Clark Howard Show Notes January 3 2011 – Personal Finance Resolutions for 2011; Bank of America will refund $3 billion to Fannie Mae and Freddie Mac; Economic Outlook; Mortgage Market Outlook; Wall Street Opens with a Bang; Construction and Manufacturing Tick Up; Pay Down Your Debt says David Bach; Small Business Taxes Made Easy by Eva Rosenberg. For more information, visit Ilyce’s blog.

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