Editor's note: Lawyer and car-buying expert Adam Goldfein fills in for Clark Howard Monday the 19th - Wednesday the 21st of this week. Below is a summary of some of what he discussed. Visit AdamGoldfein.com for more information.

Throughout the holidays, we will be featuring Best of Clark repeats. Clark returns on January 3, 2011 with all new ways to help you save more and spend less!