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b'If you have holiday gifts you plan on taking or sending back, you need to know how return policies have changed, and act quickly. Clark explains. Also today, companies should emulate a recent move by a major airline to help employees with their finances.\\xa0\\n\\nRestrictive Return Policies: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nDelta\\u2019s Emergency Savings Fund: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show:\\n\\nWSJ.com: Retailers Enlist AI in Fight Against Returns\\n\\nReturn Policies Have Gotten More Annoying This Holiday Season - The WSJ\\n\\nHoliday Returns: Guidelines and Return Dates for Major Retailers\\n\\nHow To Get a Gym Membership for Practically Free\\n\\nRetirement Accounts Are the New Emergency Funds\\n\\nDelta offers employees $1,000 for emergency savings, 33,000 sign up\\n\\nThe Best Place To Buy a Mattress\\n\\nAmica - Get a RV & Trailer Quote\\n\\n\\nClark.com resources\\n\\nEpisode transcripts\\n\\nCommunity.Clark.com\\n\\nClark.com daily money newsletter\\n\\n\\nConsumer Action Center Free Helpline: 636-492-5275\\n\\n\\nLearn more about your ad choices: megaphone.fm/adchoices\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'