As claims become more expensive, home and auto insurance premiums are rising. Learn how forward thinking insurers are looking to reduce the number of claims in partnership with consumers – an approach more common with business insurers. Clark shares steps you can take now to lower your costs. Also – For more than 2 generations the middle class in America has been evaporating. But there are signs of recovery. Clark describes various skilled trade categories offering great opportunity now, as labor shortages have driven up pay levels. Hear Clark's approach to securing a rewarding career.