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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