 If you're looking to save more, spend less, and avoid getting ripped off, Dayton's consumer warrior Clark Howard is here to help you. He's got advice anytime at his website, Clark.com. Here's this morning's Clark tip, sponsored by Abbey Credit Union. If you want more productivity out of your workers, the most important thing you can do is give them flexibility in their work schedule. The more you are rigid about saying, you must be here at this time, you must work till this time,