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b"The membership business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren\\u2019t bad enough, organized crime is now getting into the resale scam game. \\n\\nRetail Memberships: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nCartels Target Timeshares: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show:\\n\\nBarrons: Delivery Is Retail\\u2019s New Game. How the Players Stack Up.\\n\\nTarget Is Rebranding Its Credit Card Program: What You Should Know\\n\\nCostco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?\\n\\nHow To Manage Your Monthly Subscriptions To Save Money\\n\\nParent PLUS loans can be a debt trap. Here's a loophole\\n\\nIncome-Contingent Repayment (ICR)\\n\\nAnnual Updates to the Income-Contingent Repayment (ICR) Plan Formula for 2023-2024 \\n\\nIncome-Driven Repayment Plans\\n\\nWhat Are the Tax Consequences of Debt Settlement?\\n\\nNYTimes: A Mexican Drug Cartel\\u2019s New Target? Seniors and Their Timeshares\\n\\nClark.com - Timeshares\\n\\nHow To Sell, Cancel or Get Rid of Your Timeshare\\n\\n5 Steps To Getting a Good Deal on a Hotel Room\\n\\nHow To Plan a Trip: Clark's Best Travel Tips To Save Money\\n\\n\\ufeff\\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"