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The US construction industry has held on to archaic ways of building, failing to adapt better technology routinely used elsewhere in the world - until now. Clark discusses how prefabrication component building is better, faster & cheaper. Now is the time to reimagine how we build to improve durability and price points. Also, for the past decade, traditional life & annuity insurers have been selling off their policies to Wall St. The risk profiles are then held by private-equity. This creates new levels of uncertainty for consumers. If you get notification of this from your insurer, should you be worried? Clark has some new recommendations. \n\nHome Building Innovation: Segment 1\n\nAsk Clark: Segment 2\n\nLife Insurance & Private-Equity: Segment 3\n\nAsk Clark: Segment 4\n\n\xa0\nMentioned on the show:\n\nFrequently Asked Questions on Gift Taxes\n\nGoogle Fi Review: Things To Know Before You Sign Up\n\nThe Best International Phone Plans\n\nExplore Google Earth.\n\nGoogle Maps\u2019 new \u2018Immersive View\u2019 combines Street View with satellites\n\nLife Insurance Archives - Clark Howard\n\nPolicyholder Information - NOLHGA.com\n\n\nIndexed Universal Life Insurance (IUL) - Investopedia - NOT recommended\n\nWhat Is an Annuity, and Why Does Clark Think They Stink?\n\nWhat to Do if You Find an Old Stock Certificate\n\n\nClark.com resources\n\nEpisode transcripts\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