The Clark Howard Podcast: Recent Episodes
Clark Howard
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.
Clark has an important warning about what to look out for when doing travel research online. Also in this episode, Clark discusses why this is the sweetest era to be an entrepreneur and how gig, contract & freelance work is reshaping the economy
FAKE Travel Guides: Segment 1
Ask Clark: Segment 2
The Gig Work Effect: Segment 3
Ask Clark: Segment 4
Mentioned on the show
SOUTHWEST - Fall sale to high-tail it outta town.
NYTimes.com: A New Frontier for Travel Scammers: A.I.-Generated Guidebooks
Use this free tool to spot fake Amazon and Yelp reviews
Going™ | Formerly Scott's Cheap Flights / KAYAK Explore
Priceline - Find Cheap Hotel Rooms & Discount Hotels
Top Travel Deals - Clark Howard / Clark Deals - TRAVEL
How To Find Cheap Flights in 3 Easy Steps
The rise of gig workers is changing the face of the US economy
How To Save Money on Gas: 23 Ways
7 Money Mistakes You Might Be Making at the Gas Station
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
Verizon Home Internet: Things To Know Before You Sign Up
Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
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As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust.
Is An HSA Right For You? Segment 1
Ask Clark: Segment 2
Beware Private Placement Investing: Segment 3
Ask Clark: Segment 4
Mentioned on the show
WSJ - The Healthcare Plan Most People Should Buy—and Why They Don’t
WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts
What Is an HSA Account and How Does It Work?
Raisin Review: Can You Trust This Online Savings Marketplace?
Price Drop on Used Electric Cars: Is Now the Time To Buy?
Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal.
Should You Buy an Extended Warranty on Your Car?
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It’s time to think about holiday travel plans and Clark has some guidance on the best time and way to book flights. Also today, surprise medical bills persist and massive, inaccurate hospital bills remain the main culprit. Clark offers strategies for both the insured and uninsured facing hospital costs.
Holiday Air Travel: Segment 1
Ask Clark: Segment 2
Hospital Bills: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Google Says This Is the Best Time to Book Cheap Holiday Flights
Follow Clark Howard's #1 Rule To Travel Cheap
How To Plan a Trip: Clark's Best Travel Tips To Save Money
How To Find Cheap Flights in 3 Easy Steps
Cheapest Way to Rent a Car: Expert Tips
Inaccurate Medical Billing Creates Problems for Older Adults
Medical Facilities Far From Hospitals Are Charging Hospital Rates As ‘Satellites.’ What Gives?
How To Find a Trustworthy Mechanic
Trustpilot Review: Is Trustpilot Legit?
How to find the best auto repair shops
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Happy Labor Day Weekend! Please enjoy this Best Of episode. Clark returns Tuesday September 5 The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much, if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.
The No Surprises Act & Your Rights: Segment 1
Ask Clark: Segment 2
Your Rainy Day Fund: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite
Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022
Understand your rights against surprise medical bills - CMS
Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors?
Bankrate's Annual Emergency Fund Report | Bankrate
Emergency Fund: Everything You Need to Know
Fidelity Investments Review 2022: Pros & Cons
Money market funds - Fidelity Investments
The Monte Carlo Simulation: Understanding the Basics
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Even as summer winds down, people are still looking for great airfare deals. There’s a new resource from Going that may help. Plus, the story of one Mom’s mission to find her daughter’s lost luggage speaks to a travel NEVER NEVER rule Clark has long held. Also today - Auto insurance rates are going way up due to various market pressures. Clark discusses why dash cams are essential, and what you can expect to pay for one.
Air Travel: Savings & Strategy: Segment 1
Ask Clark: Segment 2
Dash Cams: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Price Drop: Domestic Fares Are Getting Cheaper
The Best and Worst US Airports for Cheap Domestic Flights
The Best and Worst US Airports for Cheap International Flights
Airlines slash domestic flight prices as demand dwindles, overseas travel surges
Follow Clark Howard's #1 Rule To Travel Cheap
How To Plan a Trip: Clark's Best Travel Tips To Save Money
Should I Buy an AirTag for My Checked Airport Luggage?
Travel Archives - Clark Howard / Travel - Clark Deals
Dash cam sales rising fast due to safety-conscious drivers
3 Reasons to Buy a Dashboard Camera for Your Car—and 4 Reasons Not To - WSJ
Clark - everyone should have a dash cam - Clark Howard Community
Should You Buy an Extended Warranty on Your Car?
Should You Respond to Class-Action Lawsuits?
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Football season is upon us and sports betting is growing in popularity. Clark describes how the nature of sports gambling has changed and pitfalls to be aware of. Also in this episode, there’s currently a horrible scam that is exploiting grief to rip off those who have just lost a loved one. Clark describes how this works so you and your loved ones stay in the know.
Sports Betting: Segment 1
Ask Clark: Segment 2
Funeral Home Scam: Segment 3
Ask Clark: Segment 4
Mentioned on the show
The Dark side of sports betting
DraftKings and Other Sports Gambling Apps Are Hitting the Jackpot With ‘Parlay’ Bets. As They Win, You Lose.
How To Get a Gym Membership for Practically Free
Supplement and Vitamin Certification | NSF / USP Verification Services
‘Despicable’ funeral home scam preys on grieving family members
Snopes - 'Shark Tank' Keto Gummies Weight Loss Reviews Are a Scam
Is Pet Insurance Worth It? What You Need To Know Before You Buy
4 Things To Know Before You Buy a Digital TV Antenna
Minimum Internet Speed Requirements for Streaming TV Services
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Rampant scams are now a global scourge, many now employing a tactic known as “pig butchering”. Clark shares a real life example and what you need to know. Also in this episode -Shocking new data reveals that most Americans are not on track for retirement. Our aspirations for early retirement don’t match up to how much is being saved for the future. Know how you can get on track for a more secure retirement.
“Pig Butchering” Scams Increasing: Segment 1
Ask Clark: Segment 2
Retirement Shortfalls: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Out almost $80,000? Don't get scammed
NYPost : Newly divorced mom scammed of entire $100,000 401k savings in Tinder ‘pig butchering’ scheme
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
Home Equity Loans & Lines of Credit: 7 Common Questions Answered
Start saving now, and you could have this much for retirement
Retirement savings shortfall in America
Clark.com - Saving For Retirement / How To Open a Roth IRA
Target Date Funds: Clark's Favorite Retirement Investment
Best Investment Companies for Investors in 2023
Pension Benefit Information Notifies TIAA of MOVEit Data Breach Affecting Over 2.6 Million
How To Freeze Your Credit With Experian, Equifax and TransUnion
Capital One Venture Rewards Credit Card: Travel Credit Card Review
Best Travel Credit Cards: Top Rewards Picks for 2023
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, a back to basics primer on Clark’s favorite method of investing: dollar-cost averaging, the popular, yet controversial set-it-and-forget-it way to invest.
Clark Stinks: Segments 1 & 2
Dollar-Cost Averaging: Segment 3
Ask Clark: Segment 4
Mentioned on the show
How To Pack a Carry-On the Right Way
LA Times - Most-downloaded app in App Store sells products linked to forced labor in China, analysis shows
Cheapest Way to Rent a Car: Expert Tips
Dollar-Cost Averaging: How Does DCA Work, And Should You Do It?
Clark.com - Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
Consumer Reports - Best Dishwashers of 2023
Should You Buy a Car With a Salvage Title?
How to Buy a Used Car in 7 Steps
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Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.
Retirees Return To College: Segment 1
Ask Clark: Segment 2
Rent-To-Own Home Contracts: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Why Retirees Are Going Back to College
Flexcar: Your flexible alternative to car ownership
T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts
Authorized User vs. Joint Account Holder
Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit
Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard.
How Do I Remove Myself as an Authorized User on a Credit Card?
Rich Dad - The Power of the Corporation
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Have you experienced “the bum’s rush” feeling at a restaurant giving you a time limit on your table? This is a trend Clark has experienced and it seems to sacrifice hospitality for time management. Necessary? Also today - Amazon is trying to fix its problems with grocery sales, streamlining the process.
Restaurant Time Limits: Segment 1
Ask Clark: Segment 2
Amazon’s Grocery Overhaul: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Are time limits at restaurants a reasonable new trend or inhospitable experience? | USA TODAY
How To Open a Roth IRA
Target Date Funds: Clark's Favorite Retirement Investment
14 of the Best High-Yield Online Savings Accounts in August 2023
What Is an eSIM? 5 Things To Know
The Best International Phone Plans
Free Audiobooks: 11 Places Online and Apps / Amazon First Reads
Amazon Unveils Biggest Grocery Overhaul Since Buying Whole Foods
Can a Patient Advocate Help With Your Medical Bills?
How To Get a Free Credit Report / How To Monitor Your Credit
4 Ways To Get Your Free Credit Score
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Make sure you have all of your financial accounts organized. Today people change jobs frequently, often leading to a confusing menagerie of retirement accounts. Streamlining investments helps you manage a sustainable retirement, and helps prevent losing track of savings. Also today, travel warnings about booking tours and cruises. Those industries have had a lot of instability. Clark offers some tricks of the trade for smart booking including the best way to pay, and a NEVER NEVER rule about trip insurance
Organizing Retirement Accounts: Segment 1
Ask Clark: Segment 2
Travel Warnings: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Three Strategies to Organize Your Retirement Accounts
401(k) Rollover: What You Need To Know & Options
What Are Index Funds? / What Is an ETF?
Dollar Cost Averaging Makes You a Fortune Over Time
6 Things to Know Before You Sign Up for Tracfone Wireless
Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need
NYTimes: Help! I Signed Up for a $4,800 Bird-Watching Trip but the Company Shut Down.
Gainesville couple out thousands of dollars after Vantage Travel suddenly goes out of business
Vantage lays off employees weeks after announcing it was up for sale
How To Choose a Tour Company
Travel Insurance? What You Need To Know Before You Buy
Cancel for Any Reason Trip Insurance: Should You Buy It?
Evaluate Life Insurance - Consumer Federation of America
Paying for Long-Term Care: How It's Changing
How Do You Prepare for the Likelihood of Long-Term Care Costs?
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Clark points to a job sector seldom considered, where you can potentially make good money in a wage war - plus benefits. Also, for buyers, sellers and renters alike, Clark delivers a housing market update, including where things are headed.
A Rewarding Job Sector: Segment 1
Ask Clark: Segment 2
Housing Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show
US Job Openings Fall to Lowest Level Since 2021, Layoffs Ease
Mounting job vacancies push state and local governments into a wage war for workers
10 Ways To Save on Prescription Drugs
The last, best hope for homebuyers / Axios: Homebuilding is soaring
[The Washington Post] The housing market recession is already ending
Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons
What Is 5G and Is It Worth It To Upgrade?
How and Why To Refinance Your Mortgage: A Step-By-Step Guide
6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, 20% of credit card users have heavy revolving debt, accounting for ¾ of the money banks make from cards. Few such users know their debt amount or interest rate, an oversight banks have exploited. If you’re carrying credit card debt, Clark has an assignment that could help you achieve being debt FREE.
Clark Stinks: Segments 1 & 2
Credit Card Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show
What is Dual Enrollment and How Much Does it Cost?
Best Credit Cards for Shopping Rewards: Top Picks for 2023
Best Credit Cards for Groceries in 2023
2 Ways To Guarantee Yourself a Lifetime Stream of Income
Heavy credit-card users are key in the Fed’s inflation battle
How to Freeze Your Credit — Literally!
Clark.com - Credit Card Debt
Best Balance Transfer Credit Cards: Top Picks for 2023
How To Do a Balance Transfer the Right Way
Best 0% Intro APR Credit Cards: Top Picks for 2023
Citi Simplicity® Card Review 2022: A Worthy Balance Transfer Card
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The dominance of plastic and electronic forms of payment has made it more difficult to teach kids money basics. Not using real cash makes money seem like an infinite resource. Spending cards with parental controls has been the marketplace answer with fees attached. Clark discusses a new free offering from Chase. Also, renting goods is trending stronger these days, as all types of subscriptions are getting more expensive. Taken all together, these things can eat up your wallet over time. Clark breaks down the two subscription types with advice on how to reconcile your budget with the choices you have.
Youth Spending Cards: Segment 1
Ask Clark: Segment 2
Renting & Subscriptions Of Goods & Services: Segment 3
Ask Clark: Segment 4
Mentioned on the show
How Today’s Teens Get More Financial Firepower Than Past Generations
This No-Fee Debit Card Lets Parents Supervise Spending - WSJ
Venmo / CashApp for Grandkids - Clark Howard Community
Best Credit Cards for Students: Top Picks for 2023
Why Clark Howard Is So Excited About His Wedding Band
The shift from owning to renting goods is ushering in a new era of consumerism — The Conversation
7 Types of Subscriptions You May Want To Cancel Today
How To Manage Your Monthly Subscriptions To Save Money
Best Credit Cards for Extended Warranty: Top Picks for 2023
Team Clark Guarantee - Clark Howard
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Credit cards are a massive expense for businesses. The U.S. has the highest merchant fees in the world, so many merchants pass on the expense to customers. Clark tells you how Visa is fighting back, and what this all means for both merchants and consumers. Also today, Clark - aka The Man From Roth - shares the considerable merits of the ROTH versions of 401(k)s and IRAs. Roths are the superior choice yet - underutilized.
Credit Card Surcharge Decisions : Segment 1
Ask Clark: Segment 2
Roth Power: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Bodegas Put on Notice as Visa Fights Back on Card Surcharges
Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card
How to Get a Mortgage in 8 Steps
Congress Ended a Tax Break. How That May Help Higher Earners. WSJ
Roth vs. Traditional 401(k): What's the Difference?
What Is a Roth 401(k) and How Does It Work?
14 of the Best High-Yield Online Savings Accounts in August 2023
Gym membership cancellation: Here's how easy it can be to get out
How To Get a Gym Membership for Practically Free
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NFL football! Clark discusses the new Verizon deal on NFL Sunday Ticket and what you’ve got to know before kick off! Also - good news for fellow travelers - the deal has changed on domestic airfare.
Verizon’s NFL Sunday Ticket: Segment 1
Ask Clark: Segment 2
Domestic Airfares: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Clark.com - Verizon Offers Customers Free NFL Sunday Ticket With a Catch
4 Things To Know Before You Buy a Digital TV Antenna
YouTube TV Releases NFL Sunday Ticket Pricing
Google announces the end of multiple Nest products. What you need to know
Credit Card Car Rental Insurance: What You Need To Know
American Travelers Are Shunning the U.S. for Europe - WSJ
Ultra-Low-Cost Carriers Cutting Back on Midweek Flights
Traveling to Europe just got more complicated
Welcome to the official ETIAS website
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Clark lends perspective on the vehicle market before, during, and now post Covid. What potential car buyers need to know about the manufacturer-to-dealer pipeline now, for both new and used vehicles - including EVs. Is now the time to buy? Clark’s crystal ball reveals a clear answer. Also, something wealthy folks do to help stretch every dollar.
Vehicle Market Update: Segment 1
Ask Clark: Segment 2
Diggin Deep Discounters: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Dealers have cars and prices are stabilizing, but people still can't buy a car. Here's why - from USA TODAY
Barrons.com: Tesla, Ford, and the EV Inventory Debate on Wall Street
Jalopnik: Dealers Now Have Nearly Two Million New Cars Sitting On Their Lots
NYTimes.com: Electric Vehicle Prices Fall as Automakers Raise Production
Ford Cuts Price of F-150 Lightning Electric Truck by Up to $10,000 - The Wall Street Journal.
17 Free Tips To Make Your iPhone Easier To Use
7 Easy Ways To Free Up Storage Space on Your iPhone
5 Ways To Free Up Storage Space on Your Android Phone
One-Percenters Keep Shopping at the Dollar Store
How To Open a Roth IRA
When Do You Need a Travel Agent?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, higher home prices and interest rates make saving for a down payment a big challenge that can take a decade to accomplish. So families are stepping in to help young adults buy their first home. Clark talks about the most effective way to do this, and has some definite thoughts on co-signing.
Clark Stinks: Segments 1 & 2
Family Assisted Home Buying: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Best Cash Back Credit Cards With No Annual Fee
Credit Karma vs. Credit Sesame: Is One Better Than the Other?
College Scorecard | U.S. Department of EducationCollege Scorecard
Axios: It takes nearly a decade to save for a down payment
Four Ways Parents Can Help Kids Be First-Time Home Buyers
Applicable Federal Rate (AFR): What It Is and How To Use It
AFR Rates | IRS Applicable Federal Rates
Evaluate Life Insurance - Consumer Federation of America
Can a Patient Advocate Help With Your Medical Bills?
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There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity.
Clarkcore Money Principles: Segment 1
Ask Clark: Segment 2
Streaming Update-FREE TV: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Financial Advisers Share the Best Financial Advice They’ve Ever Received
Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation
How To Save and Invest the Clark Howard Way
How To Save Money: Spend Less & Build Your Savings
How To Open a Roth IRA / How To Build Credit
Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit
6 Best Apps To Save Money on Groceries
There’s a New Way to Watch TV. It’s Already More Popular Than HBO.
Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com
CLARK.com - Streaming TV
4 Things To Know Before You Buy a Digital TV Antenna
Google Fi Wireless Review: Things To Know Before You Sign Up
Best 529 College Savings Plans By State
Understanding 529 rollovers to a Roth IRA - Fidelity Investments
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If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.
The FULL Cost of Home Ownership: Segment 1
Ask Clark: Segment 2
A KEY Internet Search Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Five Key Financial Aspects to Managing Your Home
Cheapest Way to Rent a Car: Expert Tips
When Should You Pay Off Your Mortgage Instead of Investing?
[The Washington Post] Scammers are using Google results to target desperate travelers
When Do You Need a Travel Agent?
Income-Driven Repayment
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Real estate agent commissions are increasingly controversial with two massive class-action lawsuits underway. Would you sell your home yourself or use an agent? We have the results of our poll on that question. Also today, Clark talks about different areas that have been really expensive, but are now becoming more affordable. Knowing the 'zig-zag' principle can help you save more.
Clark.com Poll: Real Estate Agents: Segment 1
Ask Clark: Segment 2
Price Drops: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Meet the overlooked monopoly that’s overcharging homebuyers $72 billion a year
An epic fight over how real-estate agents get paid could transform the housing market forever
Clark.com Daily Newsletter Poll: 275 responses
How to sell your house by owner
How To Find a Trustworthy Mechanic
Amusement park attendance and prices down
Hot tub sales cool as well-off Americans stop splashing out
Should I Get Insurance on My Water and Sewer Lines?
Automatic Bill Pay: How It Works and How To Do It Safely
Recalls.gov
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Overall, our expectations of when we want to retire aren’t matching up with our savings. Many of us lament we’re not really on track for retirement. Clark revisits the basics to help get you there, and has a challenge for you, regardless of your age. Also, there are great deals on certain electronics now. Clark shares key buying tips.
Your Retirement Track: Segment 1
Ask Clark: Segment 2
Save On Electronics: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Investing & Retirement Archives - Clark Howard
High Income Households Not Worried Enough About Retirement
$1.27 million is the magic number for retirement, Americans say. The average person has just 7% of that saved.
Women Have Significantly Less Saved in 401(k)s Than Men — What to Do About It
Barrons.com: Oregon’s State-Run Retirement Plan Hits $200 Million in Savings
How To Open a Roth IRA / Fidelity - Saving & investing for a child
Best And Worst Homeowners Insurance Companies: July 2023
10 Ways To Save Money on Car Insurance / How to Shop for Car Insurance
Clark Deals - Electronics
Want to Save Money on a New TV? Consider Buying a 2022 Model
13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale
Delta Digital ID | Delta Air Lines
What Is Disability Insurance and How Does It Work?
What Is a Roth 401(k) and How Does It Work?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.
Clark Stinks: Segments 1 & 2
Private Placement Investment WARNING: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Amazon Scam Warning: Beware of Deliveries You Didn't Order
How To Build Credit
How a Toilet Plunger Improved CPR
NIH.gov - Mechanical vs manual chest compression
What Is the Better Business Bureau and Should You Use It?
Costco vs. Sam's Club: What Is the Difference?
Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme
Quality Condo living in the city vs Suburbs
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People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it.
Facing Debt: Segment 1
Ask Clark: Segment 2
Rising Water Bills: Segment 3
Ask Clark: Segment 4
Mentioned on the show
The Hill: Americans are hiding their credit card debt
Clark.com - Credit Card Debt
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Best Cash Back Credit Cards With No Annual Fee / CREDIT CARDS
NYTimes: Water Bills Are Rising. Here’s What to Do About It.
Should You Buy Cell Phone Insurance?
Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone
Will Mark Cuban's Prescription Company Really Save You Money?
10 Ways To Save on Prescription Drugs
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Vanguard. There have been lots of complaints about this golden child lately. Clark shares the pioneering background of what is now the second largest investment house in the world, and how the company appears to be going through a midlife crisis. Also today, Clark has an update on the cost of apartment rental and the add-on fees to be aware of.
An Issue With Beloved Vanguard: Segment 1
Ask Clark: Segment 2
Apartment Rental Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Vanguard Faces Competition and Criticism — Where Does It Go From Here?
How To Open a Roth IRA
Red Pocket Mobile: 6 Things To Know Before You Sign Up
Shocked by those extra monthly apartment fees? 3 big rental sites plan to reveal them
Laptops -Clark Deals / GoogleShopping
Laptops & Notebook Computers-Costco Wholesale
How To Buy Term Life Insurance in 7 Easy Steps
What Is a Fiduciary Financial Advisor and Do I Need One?
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The U.S. is beginning to catch up when it comes to money transfer. Clark explains the deal with FedNow. Also, you may be overlooking a simple and inexpensive way to save big bucks on cooling your home this summer.
What Is FedNow: Segment 1
Ask Clark: Segment 2
SAVE on Air Conditioning: Segment 3
Ask Clark: Segment 4
Mentioned on the show
What Is FedNow?
Banks’ Newest Fed Headache: Nonstop Instant Payments
A Retirement Tax Break That Ends the Fear of Outliving Your 401(k)
What Is the Largest Homeowners Insurance Deductible That Clark Recommends?
Do I Need To Re-Visit My Homeowners Insurance Coverage After Years of High Inflation?
Car Insurance Archives - Clark Howard
2 Ways To Guarantee Yourself a Lifetime Stream of Income
Immediate Annuities - Income Annuity Quote Calculator
Want to Use Less Air Conditioning? Just Turn on a Fan
How To Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma Review: Free Credit Score and More at Your Fingertips
What Credit Score Do You Need To Buy a Car?
Are You Following Clark's Maximum Auto Loan Length Rule?
Clark.com resources
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The extreme shortage of skilled workers is affecting everything from car and home repairs to medicine. Clark discusses 2 aspects of the structural labor shortage in the U.S. Also today, Clark has Costco news to share, and addresses several questions and complaints from your emails.
The Skilled Labor Shortage: Segment 1
Ask Clark: Segment 2
Costco Membership News: Segment 3
Ask Clark: Segment 4
Mentioned on the show
WSJ - Why Is It So Hard to Get a Plumber to Even Call You Back?
Nurses Have Had Enough, Threatening Big Gaps in US Health Care
Why It’s Impossible to Get Your Car Repaired This Summer
3 Things Clark Says You Should Do With CDs in 2023
Roth IRA Withdrawal Rules - Investopedia
Going™ | Formerly Scott's Cheap Flights
Best Travel Credit Cards: Top Rewards Picks for 2023
'WANT TO CORRECT' Costco CFO Richard Galanti breaks silence on new self-checkout policy after outrage over membership ‘stealing’ crackdown
NYTimes: Costco Is Cracking Down on Membership Sharing
Barrons.com: Now Costco Is Cracking Down on Membership Sharing
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, overwhelmingly the people who should have a will do not. The recent saga surrounding the will of Aretha Franklin is a valuable lesson for us all.
Clark Stinks: Segments 1 & 2
Making A Will: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
Credit Card Car Rental Insurance: What You Need To Know
YouTube TV Releases NFL Sunday Ticket Pricing
LOS ANGELES TIMES: Aretha Franklin jury selects a valid will: It's the one found in the late singer's couch
Wills & Funerals Archives - Clark Howard
Turo: 5 Things To Know About the Cheap Car Rental Service
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A trend you may have noticed - stores and restaurants are opening later and/or closing earlier. Post Covid we’re seeing new patterns. Also, from the Supreme Court decision to the latest in loan forgiveness, Clark has an update on student loan debt.
Sooner Than Later Service: Segment 1
Ask Clark: Segment 2
Student Loan Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show
America Is Becoming a Nation of Early Birds
Resy - Book Your Reservation
Your Guide to DIY Home Security Systems
6 Things To Know Before Contacting the National Foundation for Credit Counseling
How To Find and Choose a Financial Advisor
Biden Administration to Wipe Out $39 Billion in Student Loans - The Wall Street Journal.
You could still be eligible for student loan forgiveness under this plan
1 in 3 federal student loan borrowers spent money they thought was going to be forgiven—here's where relief stands
NYTimes.com: Ways You Can Still Cancel Your Federal Student Loan Debt
Best Investment Companies for Investors in 2023
Are Money Market Funds a Safe Place To Stash My Savings?
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Have you seen the ads for a device that Elon Musk supposedly invented to cut electric bills? Clark tells you if that’s for real, and discusses some exciting upcoming options for power to your home. Also, believe it or not it’s time to shop back to school items. Clark points to some exceptional deal categories and shares shopping strategies.
Energy Savings & Backup Power: Segment 1
Ask Clark: Segment 2
Back To School Shopping: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Fact Check: Elon Musk Did NOT Invent Energy-Saving Device That Will Cut Power Bills By 90% | Lead Stories
GM Energy’s Ultium Home products provide backup power to your home in outage - USA TODAY
The best back-to-school sales & deals available now!
Paramount+ Plans
Paramount+ Review 2023: Is This Streaming Service Worth It?
What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money?
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Savers! The window is closing on long term CDs. Clark fills you in on what you can do now to maximize money put aside for saving, vs for investing. Put your money to work the right way. Also, money saving takeaways from Clark’s summer vacation including car rental and currency practices.
5 Year CD Rates Now: Segment 1
Ask Clark: Segment 2
Lessons Abroad- Clark’s Summer Vacation: Segment 3
Ask Clark: Segment 4
Mentioned on the show
What Is a CD and Should You Open One? / Bankrate CDs
What Is a CD Ladder and When Is It a Good Idea?
Follow Clark Howard’s #1 Rule To Travel Cheap
Credit Card Car Rental Insurance: What You Need To Know
5 Money Tips To Know Before You Travel Abroad
What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money?
How to use Google Maps overseas with no data usage
The Best International Phone Plans
United Club & Lounge Access / Military Airport Lounges
Non-Owner Car Insurance: Who Needs It?
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Clark has important information on receiving a free or very affordable college education, including state based aid, reimbursement programs, Income Share Agreements, second level state universities and pricing resources. Also, how would you like to make extra money renting out your car? More competition is entering this field, and it could be good for your wallet.
Affordable College: Segment 1
Ask Clark: Segment 2
Renting Out Your Car: Segment 3
Ask Clark: Segment 4
Mentioned on the show
[The Washington Post] To fight teacher shortages, states send people to college for free
NYTimes.com: The College Data You Probably Can’t Find, but Definitely Need
College Tables
Where to Find the Cheapest In-State Tuition For College
For College Financing, Consider an Income Share Agreement
Costco Hearing Aids: 5 Things To Know Before You Buy
The Best Places To Buy Hearing Aids
Should You Buy Out Your Leased Car?
Uber wants to rent out your car: Company set to launch Uber Carshare in Boston, Toronto
Turo: 5 Things To Know About the Cheap Car Rental Service
Best Travel Credit Cards: Top Rewards Picks for 2023
High-Yield Savings Account Calculator
14 of the Best High-Yield Online Savings Accounts in June 2023
3 Things Clark Says You Should Do With CDs in 2023
Best Investment Companies for Investors in 2023
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how to save someone’s life using a simple household item.
Clark Stinks: Segments 1 & 2
CPR: Taking The Plunge: Segment 3
Ask Clark: Segment 4
Mentioned on the show
American Express Send & Split with Venmo & PayPal
Ask the Doctor: Are eggs risky for heart health?
Eggs: Are they good or bad for my cholesterol?
Intake of up to 3 Eggs per Day Is Associated with Changes in HDL Function and Increased Plasma Antioxidants in Healthy, Young Adult
'Grandparent' Scams Get More Sophisticated
How a Toilet Plunger Improved CPR
How To Open a Roth IRA
What Brokerage Do You Recommend for First-Time Investors or Kids?
Fidelity Freedom® Index Funds
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Good news consumers! A new law changes the rules for 3rd party sellers on online marketplaces such as Amazon & Walmart. Clark covers what you need to know about these sellers, and the problem with online purchasing via your phone. Also today, long-term care insurance is cost prohibitive for most. Still, advance planning is a smart idea. Know what elder care options exist today and potentially in the future.
Online Seller Disclosure: Segment 1
Ask Clark: Segment 2
Long-Term Care: Segment 3
Ask Clark: Segment 4
Mentioned on the show
The INFORM Consumers Act and online marketplaces: What to know
BBB-File a Complaint
Costco vs. Sam’s Club: What Is the Difference?
Buying Gas From a Station on This List Is Better for Your Car
What if you can’t afford long-term care?
NYTimes.com: States Try Easing the Burden of Long-Term Care’s High Cost
What Is Long-Term Care Insurance Cost & Coverage
How Do You Prepare for the Likelihood of Long-Term Care Costs?
Senior Care Archives - Clark Howard
Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
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Homeowners insurance is getting more difficult to get or keep, even in states beyond FL & CA. Clark explains industry challenges and what homeowners can do about this growing problem. Also - What you don’t know can hurt you. Recent CFPB data show complaints against the credit bureaus roughly doubled in one year, highlighting the importance of being vigilant about your credit report accuracy.
Homeowners Insurance Reset: Segment 1
Ask Clark: Segment 2
Credit Bureau Complaints: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Axios: Uninsurable America: Climate change hits the insurance industry
Multifamily industry grapples with surging insurance costs in wake of climate risks
Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems — The Conversation
Force-Placed Insurance Definition
When Should You File a Claim on Your Homeowners Insurance?
Homeowners Insurance Archives - Clark Howard
How To Find and Choose a Financial Advisor
Welcome to Bluebird
A Simple Way To Help Your Kid Build Credit
Should You Make Your Child an Authorized User on Your Credit Card?
What Is a Secured Credit Card and How Does It Work?
How To Get a Free Credit Report
How To Dispute an Error on Your Credit Report and Win
Changes to Credit Reports
Credit Karma Review: Free Credit Score and More at Your Fingertips
How To Freeze Your Credit With Experian, Equifax and TransUnion
Best 529 College Savings Plans By State
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With the second wave of summer travel upon us, Clark has an update on mid to late summer travel prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow.
Summer Travel Update: Segment 1
Ask Clark: Segment 2
Recession Explainer: Segment 3
Ask Clark: Segment 4
Mentioned on the show
[The Washington Post] People are spending less on hotels, flights and restaurants
NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning.
4 Things You Should Always Pack in Your Carry-On
How SVB’s failure 3 months ago has changed banking (and how it hasn’t)
Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022
What Is a CD Ladder and When Is It a Good Idea?
Clark.com - Invest & Retire
FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023)
Clark.com resources
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As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit. Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make.
Building Student Credit: Segment 1
Ask Clark: Segment 2
Remote Work Dilemma: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Best Credit Cards for Students: Top Picks for 2023
A Simple Way To Help Your Kid Build Credit
Should You Make Your Child an Authorized User on Your Credit Card?
Deciding what to do when your employer changes the rules on remote work
What Is an Annuity, and Why Does Clark Think They Stink?
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Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.
Clark Stinks: Segments 1 & 2
Credit Report Inquiries: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Follow Clark Howard's #1 Rule To Travel Cheap
Southwest Offers Companion Pass through Credit Card for Limited Time
VENMO - Fees
CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC
Credit Karma Review: Free Credit Score and More at Your Fingertips
Credit Karma vs. Credit Sesame: Is One Better Than the Other?
The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
How To Get a Free Credit Report
Best Investment Companies
What the Great Netflix Password Crackdown Means for You
Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know
Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far
Clark.com - Streaming TV / Clark.com: Sling Freestream
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Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel.
Fraud Prevention: Segment 1
Ask Clark: Segment 2
What’s In A Hotel Name? Nothing: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto.
WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams
NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know.
ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers
Worried about crypto exchange losses? Don’t pay money for “help” recovering money
5 Steps To Getting a Good Deal on a Hotel Room
Scott's Cheap Flights | Save Up to 90% on Flights
[The Washington Post] Expensive flights are here to stay, but there’s good news
Top Travel Deals - Clark Howard
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Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.
Gambling Vs Investing: Segment 1
Ask Clark: Segment 2
Fake Shopping Sites: Segment 3
Ask Clark: Segment 4
Mentioned on the show
WSJ - The Retreat of the Amateur Investors
5 Sneaky Ways To Improve Your Credit Score
NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In
Clark.com- How To Spot a Fake Online Store in 6 Easy Steps
Virtual Credit Cards: An Online Security Measure Worth Taking?
Fidelity Investments Review 2022: Pros & Cons
Metro by T-Mobile: 6 Things To Know Before You Sign Up
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
Verizon Home Internet: Things To Know Before You Sign Up
Clark Howard's 4 Travel Rules You Should Follow Right Now
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Happy 4th of July! Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.
Know Thy Neighbor: Segment 1
Ask Clark: Segment 2
Credit Card Debt Control: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Sue Thy Neighbor: Homeowner Spats Over Fences,Trees & Additions Get Nastier -WSJ
Clark.com - Timeshares
The #1 Bill You Should Make Sure You Get by Mail
No more paper statements only electronic - Clark Howard Community
US consumers increased their borrowing by $28 billion in November
Your Passport Could Be Useless -- Even if It's Not Expired
22 Ways To Save Money on Groceries
How to Budget With a Cash Envelope System
Why You Should Keep Old Credit Card Accounts Open
Should You Get a Store Credit Card?
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We’re in a unique travel season this year, so we asked for travel stories unique to you - good and bad - and you delivered! Clark shared a story about putting layers of clothing on in order to avoid baggage fees. Apparently, he’s not the only one: Hate Baggage Fees? Wear a Fishing Vest on the Plane - The Wall Street Journal. Team Clark thanks our fellow Clarksters for sharing their misadventures and lessons learned navigating the wide world of Travel for this special episode. Happy 4th of July Week! Clark.com resources
Top Travel Deals
ClarkDeals- Travel
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains the rise of the zombie mortgage, with origins dating back to the lending practices of 2001 - 2007 leading to the housing bust & great recession. Learn why years later, people are now getting foreclosure notices on old home equity loans & second mortgages, and the best course of action for those facing this.
Clark Stinks: Segments 1 & 2
Zombie Mortgages: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Warning: Never Get Roadside Assistance From Your Insurance Provider
401(k) Match: What Is It, How It Works
Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases
Apple Trade In
Zombie Mortgages Could Force Some Homeowners Into Foreclosure
Southwest Airlines Wanna Get Away Plus
UShip Review: 5 Things To Know Before You Use the Shipping Service
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Good news if you’re interested in life on the road - specifically RV life. If you’re in the market, Clark explains why it’s a good time to buy, and offers direction on what type of RV to choose. Also today, travel agents almost went extinct, but the industry is growing again. Get Clark’s advice on when you need a travel agent, and the best way to choose one.
The RV Market: Segment 1
Ask Clark: Segment 2
When & How To Hire A Travel Agent: Segment 3
Ask Clark: Segment 4
Mentioned on the show
RV Market Slows as Inflation, Rising Rates Cool Demand - The Wall Street Journal.
Clark Howard's 5 Money Tips for Couples
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Amazon discontinues Amazon Halo effective July 31 (aboutamazon.com)
15 of the Best Free Workout And Fitness Apps
Is Apple Card Worth It? 5 Things To Know in 2023
When Do You Need a Travel Agent?
TripIt - Highest-rated trip planner and flight tracker
Your Passport Could Be Useless -- Even if It's Not Expired
Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
How To Save Money With Google Flights
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Summed up in a sentence - what’s your money strategy? Clark shares money philosophies courtesy of Humble Dollar. Also in this episode, Things are rapidly changing in the solar energy industry. Clark has an update on how to approach roof solar and the microgrid community solar advantage.
Money Philosophies: Segment 1
Ask Clark: Segment 2
Solar Power Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show
How would you summarize your financial philosophy in one sentence?
Hiring a Contractor Checklist and Tips - 6 Tips for Hiring a Contractor
Community Solar Saves Money With Solar Energy – Without Changing Your Roof
Search projects by zip code: CommunitySolar-EnergySage
The Solar Power Landscape Is Changing. Here's What That Means for You
Should You Manage Your Own Investment Portfolio?
What Is a Fiduciary Financial Advisor and Do I Need One?
Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
How to Deal With Medical Debt
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Hotels have gotten pricier while experiences have deteriorated. Looking for bargains, people are getting ripped off at UFO third party booking sites. Clark shares a new site he’s been testing that works differently than all the others, and promises to save you big bucks. Also - There’s a new twist in retail - part entertainment, part auction. Clark gives you the pros & cons of online “live shopping”.
HotelSlash: A Different Way To Book: Segment 1
Ask Clark: Segment 2
Live Stream Shopping: Pros & Cons: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Looking for the Cheapest Room Rate? HotelSlash Wants to Help.
AutoSlash Review: How To Save on a Rental Car
5 Things to Know About the Costco Car Rental Program
5 Money Tips To Know Before You Travel Abroad
Best Credit Cards With No Foreign Transaction Fees in 2023
Wise Official Website - Wise.com / About Money Transfer GB | Revolut
NYTimes: The Companies Trying to Make Live Shopping a Thing in the U.S.
Stitch Fix: Clothing
What's the Best Savings Account for a Teenager?
Fidelity Youth Account - Any Good? - Clark Howard Community
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For the last 3 generations the average size of the American home has gone up and up. Not so much anymore. Clark discusses why people are turning back the clock and downsizing their homes. Also today - do you ever try to haggle with merchants for a better price? It’s a worldwide practice Americans are generally uncomfortable with, but can actually be a very effective way to get a deal! Clark shares the right approach to the skilled art of bargaining.
The Value of A Smaller Home: Segment 1
Ask Clark: Segment 2
The Art Of Haggling: Segment 3
Ask Clark: Segment 4
Mentioned on the show
High Utility Bills Driving 1 in 5 Americans to Downsize Their Homes
How To Buy Term Life Insurance in 7 Easy Steps
Credit Karma Review: Free Credit Score and More at Your Fingertips
Cancel for Any Reason Trip Insurance: Should You Buy It?
How to Haggle for Almost Anything
Credit Lock vs. Credit Freeze: What's the Difference?
How To Freeze Your Credit With Experian, Equifax and TransUnion
Studios | Norwegian Cruise Line
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s much discussion about how AI is revolutionizing the nature of work and change is happening rapidly. Clark lends historical perspective and discusses what is key for your job prospects going forward.
Clark Stinks: Segments 1 & 2
AI And Career Flexibility : Segment 3
Ask Clark: Segment 4
Mentioned on the show
22 Ways To Save Money on Groceries
A Quick Guide on How to Insure Jewelry
How Often Should I Appraise a Wedding Ring for Insurance, and Who Should Appraise It?
Living Will and Durable Power of Attorney: Frequently Asked Questions
ChatGPT, AI jobs are soaring while companies use the same technology to cut costs
How (and why) you should create a backup plan for your career
Why Did My Credit Score Drop?
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Clark shares findings from a new study about today’s working households and their outlook for retirement. Why are 28% of high income earners struggling in retirement? How you can resolve to build your reserve. Also today, Clark is all about FREE and doesn’t much mind the tradeoffs – and more people are receptive to saving money now. Enter TextNow.com - a FREE cell phone service that may work for you.
Retirement Outlook: Segment 1
Ask Clark: Segment 2
FREE Cell Phone Service : Segment 3
Ask Clark: Segment 4
Mentioned on the show
Almost Half of Today’s Working Households Are at Risk of a Lower Standard of Living in Retirement
National Retirement Risk Index - Center for Retirement Research at Boston College
Bluebird - Loaded with Benefits. Light on Fees.
Credit Karma Review: Free Credit Score and More at Your Fingertips
Credit Score Guide
Target Date Funds: Clark's Favorite Retirement Investment
Clark.com - TextNow: How To Get Free Texting and Calling
10 Ways To Save on Prescription Drugs
Protect Your Identity Archives - Clark Howard
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Now more than in the past 15 years, it pays to seek out the best interest rates on savings so you make the most on your money. Announcing our new guide at Clark.com with a listing of best savings accounts updated weekly and a brand new savings calculator. Also in this episode, travel is up, so travel scams are back with a vengeance - all varieties. Clark tells you what to look out for. WHO you book with is key.
GUIDE: Savings Accounts: Segment 1
Ask Clark: Segment 2
Travel Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Clark.com - Best High-Yield Online Savings Accounts
What Is a Thrift Savings Plan?
13 Steps To Keeping Your Email Safe and Secure
Privacy Archives - Clark Howard
Proton - Privacy by default / Brave Private Web Browser / DuckDuckGo -Privacy simplified.
What Does A Travel Scam Look Like And How Can You Avoid It?
Road Scholar: Educational Travel & Learning Adventures
A Retired Travel Agent's Secrets for Getting the Best Travel Deals
Clark.com - CELL PHONES
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Clark fills you in on current direct student loan rates just announced. As the payment holiday comes to an end, know what is required to get and stay current on these loans. Also, recent developments in the electric car space will open up more EV choices.
Student Loan Updates: Segment 1
Ask Clark: Segment 2
EV Announcements: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Student loan payments will be due starting in October, Department of Education clarifies
Here's how to prepare to start paying back your student loans when the pandemic payment freeze ends
Public Service Loan Forgiveness (PSLF)
Credit Karma Review: Free Credit Score and More at Your Fingertips
7 Places to Get the Best Deals on Lab-Created Diamonds / Rare Carat
Ford strikes deal with Tesla to gain access to rival charging stations starting 2024
GM wants to adopt Tesla’s charging network as ‘the standard’
Wills & Funerals Archives - Clark Howard
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In light of the recent Labor Department report, Clark has key job advice to keep in mind moving forward. Also in this episode, there’s a federal statute concerning how the $7500 tax credit works for buying an electric vehicle and a surprising way to take full advantage of that credit. Clark also discusses the industry now and what potential buyers need to know.
The Job Market Is Booming: Segment 1
Ask Clark: Segment 2
Buying A Vehicle: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Axios: The end of the self-employment boom
From teachers to waiters: The industries that haven’t bounced back from the pandemic
[The Washington Post] Labor Market Is Not Buying Into Talk of a Recession
How to Teach Young Kids About Money
The easiest way to get a $7,500 tax credit for an electric vehicle? Consider leasing.
Are You Following Clark's Maximum Auto Loan Length Rule?
The Average Vehicle Age in America
When Will Car Prices Drop?
Cars Archives - Clark Howard
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this summer calls for extra travel precautions. Make sure you know what experts know about how to avoid bed bugs at your lodging destination!
Clark Stinks: Segments 1 & 2
Travel Inspection - Bed Bugs: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Best 529 College Savings Plans By State
HUD Good Neighbor Next Door Program
How Much Life Insurance Do I Need?
Should You Sell or Stay Put in the Stock Market?
Potentially record summer travel + low housekeeping staff = bed bug nightmares - from USA TODAY
How To Pack a Carry-On the Right Way
How To Find Cheap Flights in 3 Easy Steps
Capital One Venture Rewards Credit Card: Travel Credit Card Review
Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023
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Inflation busters! With inflation easing in some categories, Clark shares some items that are more affordable now. Also, with the housing shortage and high mortgage rates, house hunters are looking for creative ways to become homeowners, including ARMs and the 1% down payment. Get Clark’s take on both options.
Inflation Busters: Segment 1
Ask Clark: Segment 2
2 Mortgage Options Explained: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Eggs Are Going on Sale Just Months After Prices Hit Records
It's not just the Costco $1.50 hot dog combo—4 products that have beaten inflation
Homebuyers might be able purchase a home with less savings — thanks to the two largest US mortgage lenders now allowing down payments of just 1%
Adjustable-Rate Mortgage: What Happens When Interest Rates Go Up
How To Freeze Your Credit With Experian, Equifax and TransUnion
How to Freeze Your Child's Credit
Should You Buy a Car With a Salvage Title?
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Clark highlights recent and upcoming changes to retirement accounts involving tax law changes with potential benefits you should know about. Also, new issues with Zelle and Apple Savings accounts, and a warning for Venmo, Cash App & PayPal users.
Retirement Account Changes: Segment 1
Ask Clark: Segment 2
Hazard With Payment Apps: Segment 3
Ask Clark: Segment 4
Mentioned on the show
WSJ: Retirement-Savings Changes You Should Know About for 2023-24
Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024
Best Budgeting Apps in 2023: Our Top 6
Mint Review: 5 Things To Know About the Free Budgeting Tool
What Is a 403(b) and How Does It Work?
How To Open a Roth IRA
JPMorgan Chase Working to Reverse Double Payments on Zelle - The Wall Street Journal.
[The Washington Post] Don’t store money in Venmo, Cash App or PayPal, regulator says
Apple Customers Say It’s Hard to Get Money Out of Goldman Sachs Savings Accounts - WSJ
7 Things To Know Before You Use Zelle
14 of the Best High-Yield Online Savings Accounts in June 2023
5 Things To Know About Series I Savings Bonds
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Submit your travel story! 404 981-2017 Clark breaks down the national debt - what the real problem is and how to fix it. The sooner the better. Also today, Amazon just settled a lawsuit over spying through Alexa and Ring devices. “Smile, You’re on Candid Camera” - depending on where your security cams are operating. Clark has suggestions.
Fixing Deficit Spending: Segment 1
Ask Clark: Segment 2
Privacy In The Digital Era: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Submit your travel story! 404 981-2017
The Debt-Limit Deal Suggests Debt Will Keep Growing, Fast
How To Buy Term Life Insurance in 7 Easy Steps
Fidelity Investments Review 2023: Pros & Cons
Schwab Starter Kit™
Amazon must pay over $30 million over claims it invaded privacy with Ring and Alexa
Ring’s privacy failures led to spying and harassment through home security cameras
FTC says: Amazon didn’t protect Alexa users’ or children’s privacy
What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring?
Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members
DOT - File a Consumer Complaint
4 Things You Should Always Pack in Your Carry-On
Wills & Funerals Archives - Clark Howard
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One company has now been sued for making BILLIONS of robocalls to Americans. Follow Clark’s simple rule to avoid this menace, plus Clark’s NEVER NEVER rule regarding texts & emails, and reduce your chances of getting scammed. Also today, Airbnb’s new transparency reveals a stunner: FEES and how much they add to the stated nightly rate. Know what to expect when booking.
Scam Avoidance Rules: Segment 1
Ask Clark: Segment 2
Airbnb Fee Reveal: Segment 3
Ask Clark: Segment 4
Mentioned on the show
[The Washington Post] Telecom company sued by nearly every state over billions of robocalls
How To Stop Spam Calls for Good
Clark Howard's #1 Rule To Avoid Email Scams
Why You Should Never Click on Random Text Messages
3 Places You Should Never Invest Your Money
How To Find and Choose a Financial Advisor
Best Investment Companies for Investors in 2023
Airbnb Revamps Site to Ease Tensions Between Guests, Hosts
Study: Cities With The Worst Airbnb Fees In 2023
5 Steps To Getting a Good Deal on a Hotel Room
Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, one of Clark’s long recommended vendors for prescription eyeglasses has dropped in Consumer Reports ratings. Clark discusses the ongoing eyeglasses market cartel and where to get the best value.
Clark Stinks: Segments 1 & 2
Where To Buy Eyeglasses: Segment 3
Ask Clark: Segment 4
Mentioned on the show
AAA Membership: Is It Worth It?
Do Not Give Your Social Security Number at These Places
I Lost $400K of My Retirement Savings in a Roth 401(k) — If You’re Not Careful, You Could, Too
Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart
Costco Tire Center Appointments
Eyeglass Store Ratings - Consumer Reports®
Zenni Optical Review: 6 Things To Know Before Your First Order
How To Open a Roth IRA
Clark Howard and the Prostate Cancer Foundation
- 3T MRI of the prostate with & without contrast with 3d post processing
Be Your Own Health Advocate
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Generally, close to half of Americans can’t cover the inevitable $400 or more unexpected expense. The mentality of tapping a 401(k) has taken hold. Running up credit card debt - not great either. Clark has a prevention suggestion to get you started on being prepared. Also, big grocery inflation has led to big changes in buying behavior. Clark talks about where people are getting the most for their grocery money.
1% Saving Habit: Segment 1
Ask Clark: Segment 2
Save More On Groceries: Segment 3
Ask Clark: Segment 4
Mentioned on the show
NYTimes: It’s ‘More Expensive to Live,’ and Workers Are Cracking 401(k)s for Help
Most Americans lack the cash to cover a surprise $400 expense
Emergency Fund: Everything You Need to Know
Can You Use a Credit Card on Venmo?
Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card
5 Money Tips To Know Before You Travel Abroad
Wise: the international account | Money without borders
International Money Transfer from the United States - Revolut
We Had a Recent Hail Storm. Should I Use My Insurance To Fix My Roof or Pay Out of Pocket?
Report: Club stores absorbing grocery market share from supermarkets
22 Ways To Save Money on Groceries
Fidelity Investments Review 2023: Pros & Cons
Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
Best Credit Cards for Gas Rewards: Top Picks for 2023
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Investment pools that don’t offer normal disclosures are blowing up on people. Dark money funds, SPACs, real estate crowdfunding groups, private placements on “the ground floor of opportunity” - they may sound wonderful. But they’re a costly lesson in high risk vs traditional investing. Clark spells out the difference to protect your investments. Also, It appears the streaming party is over. All at once, Netflix and other services are changing the rules & raising prices. Clark has a money saving assignment for you.
High Risk Investments: Segment 1
Ask Clark: Segment 2
SAVE on Streaming: Segment 3
Ask Clark: Segment 4
Mentioned on the show
Company Insiders Made Billions Before SPAC Bust - The Wall Street Journal.
A Housing Bust Comes for Thousands of Small-Time Investors
Get-rich-quick schemes, pyramids and ponzis: five signs you're being scammed — The Conversation
Synthetic Identity Theft Definition - Investopedia
Credit Karma Review: Free Credit Score and More at Your Fingertips
How To Freeze Your Credit With Experian, Equifax and TransUnion
Platinum Card® from American Express Review 2023: Is It Worth It?
Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023
Employee Stock Purchase Plan (ESPP): What It Is
The cheapskate’s guide to digital entertainment
Clark.com - Netflix Unveils Plans To Charge U.S. Customers for Account Sharing
Clark.com - Why T-Mobile Customers May Hit a Snag With New Netflix Policy
Best Free Streaming Services in 2023: Movies and TV for Cord Cutters
Clark.com - Live TV Streaming Channel Tool
YouTube TV Releases NFL Sunday Ticket Pricing
7 of the Best High-Yield Online Savings Accounts in May 2023
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recently exposed by industry whistler blowers, Clark discusses the cynical practice by some health insurers to deny claims without review. How to get clarity if denied a claim, and how to fight it, if need be.
Clark Stinks: Segments 1 & 2
Denied Health Insurance Claims: Segment 3
Ask Clark: Segment 4
Mentioned on the show
How To Open a Roth IRA
3 Places You Should Never Invest Your Money
Are You Following Clark's Maximum Auto Loan Length Rule?
Health Insurance Claim Denied? See What Insurers Said Behind the Scenes
How to Deal With Medical Debt
Cheapest Way to Rent a Car: Expert Tips
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One of life’s biggest purchases is a car. The industry has been on a rollercoaster but the ride is finally smoothing out for buyers. Clark provides a market update on how prices are moving for both new and used vehicles. Also today - a huge pharmacy hack has exposed the key personal information of 6 million patients to criminals. The number one thing you can do to protect your identity.
Vehicle Market Update: Segment 1
Ask Clark: Segment 2
Freeze Your Credit Stat: Segment 3
Ask Clark: Segment 4
Mentioned on the show
NYTimes: Why Is Inflation So Stubborn? Cars Are Part of the Answer.
Why the car you want to buy might be impossible to find
[The Washington Post] New cars, once part of the American dream, now out of reach for many
US consumers keep vehicles for a record 12.5 years on average -S&P
Insurance Archives - Clark Howard
What Is an ABLE Account?
TechCrunch: US pharmacy giant says hackers accessed personal data of almost 6 million patients
How To Freeze Your Credit With Experian, Equifax and TransUnion
Best Online Banks: Free Checking and High-Interest Savings Accounts
BBB-File a Complaint
Best 2% Cash Back Credit Cards: 8 Options in 2023
Best Cash Back Credit Cards With No Annual Fee
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the short term rental market keeps going through changes channeled through Airbnb & VRBO themselves, and by local governments, directly affecting rental property decisions and renter experiences. Clark shares recent examples of both, including what Airbnb is doing to regain trust in the marketplace. Clark Stinks: Segments 1 & 2Airbnb Changes: Segment 3Ask Clark: Segment 4Mentioned on the show:Where To Buy the Best Cheap PrinterWSJ-You Don’t Know What You Don’t Know About Your Financial AdviserClark.com - Why you should never ‘top off’ your gas tankNYTimes.com: Airbnb Will Now Warn Travelers About Hidden Cleaning Fees 6 Things To Know Before Contacting the National Foundation for Credit CounselingThe Best Unlimited Hotspot PlansTSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You?The Best Credit Cards That Pay for TSA PreCheck and Global EntryClark.com resourcesEpisode transcriptsClark.com daily money newsletterConsumer Action Center Free Helpline: 636-492-5275Learn more about your ad choices: megaphone.fm/adchoicesLearn more about your ad choices. Visit megaphone.fm/adchoices
The Costco Citi Visa card is eliminating one of its best benefits starting January 1st. Get Clark’s card benefit workaround. Also, if you’ve ever kicked yourself for not canceling a free trial subscription or an automatic renewal, you are not alone. Learn how to manage subscriptions and avoid the built-in hassles of free trials.
Costco Citi Visa Benefit Cut: Segment 1
Ask Clark: Segment 2
Clark Savvy Subscription Management: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Citi Removes Important Benefit From Costco Credit Card
Travel Insurance? What You Need To Know Before You Buy
Best Travel Credit Cards: Top Rewards Picks for 2022
Best Credit Cards for Extended Warranty: Top Picks for 2022
Economy Skycouch - Air New Zealand
5 Things To Do Before You Sign Up for a Free Trial
10 hidden fees that could be costing you thousands
Clark.com - HOME INTERNET
4 Things To Know Before You Buy a Digital TV Antenna
Live TV Streaming Channel Tool
Best Online Banks: Free Checking and High-Interest Savings Accounts
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How much can you save at Costco vs traditional supermarkets? You may be surprised! Clark also has an important warning issued by the USPS concerning how you mail cards and packages. Clark shares tips for more secure mailing & bill pay - and tells you the one thing you should NEVER carry with you because if it’s stolen, YOU could end up in jail.
Clark’s TV Grocery Study: Segment 1
Ask Clark: Segment 2
Holiday Postal Alert: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CNET-Costco Shoppers: Here's How Much You Actually Save Compared to a Grocery Store
4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
The Best International Phone Plans
Actual Cash Value vs. Replacement Cost Value Coverage
Lifehacker: Avoid Using Blue Mailboxes During the Holidays, USPS Warns
Do Not Give Your Social Security Number at These Places
Welcome to Clark’s Christmas Kids 2022
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Survey says: The slowest fast food lines belong to the most popular fast food place. And a serious innovation for workers at one of these restaurants is a big success. Also - Job mobility in the modern era has created the problem of stranded 401(k)s getting cashed out. If you’ve got one or more old 401(k) accounts, a new financial portability service can help consolidate your retirement funds.
Fast-Food Report: Segment 1
Ask Clark: Segment 2
401(K) Transfers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How Much Should You Have Saved for Retirement by Now?
7 Best Ways to Save for Retirement in Your 50s
401(k) Companies Make It Easier for Retirement Savings to Follow You to Your Next Job
What Is a SEP IRA and Who Is Eligible?
Should I Get Pet Insurance? / Should You Buy Pet Insurance? - Consumer Reports
13 ways to save money on pet costs
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New warnings if you have a leased car or are trying to buy a vehicle. Dealers are getting desperate, and some are using dirty tactics you need to know about. Also, it’s go time for holiday shopping and Clark has several excellent tips for how to save while shopping online this holiday season, plus shipping and store pick-up advice.
Vehicle Purchases & Lease Buyouts: Segment 1
Ask Clark: Segment 2
Clark Smart Online Shopping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Car dealers accused of price-gouging customers who exercise option to buy leased vehicles
Tight car inventory can lead to phantom stock, ghost vehicles
Employee Stock Ownership Plan (ESOP): What It Is, How It Works, Advantages
How To Get the Best Price Possible Shopping Online
Why Retailers Are Charging Return Fees and How to Avoid Them
How To Prevent, Report and Repair Identity Theft
Liability vs. Full Coverage: Which Auto Insurance Do You Need?
Welcome to Clark’s Christmas Kids 2022
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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New warnings if you have a leased car or are trying to buy a vehicle. Dealers are getting desperate, and some are using dirty tactics you need to know about. Also, it’s go time for holiday shopping and Clark has several excellent tips for how to save while shopping online this holiday season, plus shipping and store pick-up advice.
Vehicle Purchases & Lease Buyouts: Segment 1
Ask Clark: Segment 2
Clark Smart Online Shopping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Car dealers accused of price-gouging customers who exercise option to buy leased vehicles
Tight car inventory can lead to phantom stock, ghost vehicles
Employee Stock Ownership Plan (ESOP): What It Is, How It Works, Advantages
How To Get the Best Price Possible Shopping Online
Why Retailers Are Charging Return Fees and How to Avoid Them
How To Prevent, Report and Repair Identity Theft
Liability vs. Full Coverage: Which Auto Insurance Do You Need?
Welcome to Clark’s Christmas Kids 2022
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
New warnings if you have a leased car or are trying to buy a vehicle. Dealers are getting desperate, and some are using dirty tactics you need to know about. Also, it’s go time for holiday shopping and Clark has several excellent tips for how to save while shopping online this holiday season, plus shipping and store pick-up advice.
Vehicle Purchases & Lease Buyouts: Segment 1
Ask Clark: Segment 2
Clark Smart Online Shopping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Car dealers accused of price-gouging customers who exercise option to buy leased vehicles
Tight car inventory can lead to phantom stock, ghost vehicles
Employee Stock Ownership Plan (ESOP): What It Is, How It Works, Advantages
How To Get the Best Price Possible Shopping Online
Why Retailers Are Charging Return Fees and How to Avoid Them
How To Prevent, Report and Repair Identity Theft
Liability vs. Full Coverage: Which Auto Insurance Do You Need?
Welcome to Clark’s Christmas Kids 2022
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark shares another reason to change your grocery shopping habits if you haven’t yet. Learn just how you’re being played if you are extremely brand name loyal.
Clark Stinks: Segments 1 & 2
Big Brand Price Hikes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Save Money on Car Insurance
Should I Buy an Extended Warranty on Tires?
TireBuyer: 5 Things To Know Before Getting New Tires
What Is an HSA Account and How Does It Work?
Vanguard Integrates Health and Wealth With HSA Offering
HealthEquity - INDUSTRY'S #1 HSA ADMINISTRATOR
Hyundais, Kias are easy targets amid boom in vehicle thefts
Hearing Aids Will Soon Be Sold Over The Counter
The best deals at Amazon right now - Clark Deals
What Is a SIMPLE IRA and How Does It Work?
What Is a Solo 401(k) and How Does It Work?
Self employed 401K vs SEP - Investing - Clark Howard Community
How To Manage Your Monthly Subscriptions To Save Money
SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know
TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You?
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
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FTX Crypto has gone bust, and there are lots of questions about where millions in client money has gone. Clark explains what has happened with FTX and other crypto exchanges and what’s next. Learn Clark’s NEVER NEVER rule for crypto. Another rip off - Scams against people age 60 and over are up 40% in the last 2 years. And that’s only what’s reported. The scams add up to $Billions stolen, and criminals work overtime during the holidays. What to look out for to protect yourself and loved ones.
The FTX Collapse: Segment 1
Ask Clark: Segment 2
Scam Warnings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
FTX Customers Wonder If They’ll Ever See Their Money Again - The Wall Street Journal.
Tom Brady. Stephen Curry. Shaq. See the Celebrities With Ties to FTX. - The Wall Street Journal.
The FTX collapse is a harsh lesson in hype advertising
Binance pledges to create crypto industry recovery fund, calls for regulation
Fidelity Investments Review 2022: Pros & Cons
401(k) Match: What Is It, How It Works
Scam Report: FTC Says Older Adults Targeted
How To Watch NFL RedZone Without Cable in 2022
Welcome to Clark’s Christmas Kids 2022
Clark.com resources
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Clark.com daily money newsletter
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Get Clark’s take on where mortgage rates are heading, plus great news about how lenders will determine your creditworthiness for a mortgage in the future. Also - The way future energy is discussed needs to be broader, based in the marketplace. A major natural gas company is integrating solar into the mix. How cool is that? Clark knows!
Mortgage Rate Outlook: Segment 1
Ask Clark: Segment 2
The Future of Energy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Mortgages Sold to Fannie, Freddie Should Use More Than FICO Scores, Regulator Says - The Wall Street Journal.
Cheaper Netflix Is Here: 5 Things To Know
Why Are My Credit Scores Different?
Williams to add solar to natural gas facilities in nine states
Best 529 College Savings Plans By State
What Is Long-Term Care Insurance Cost & Coverage
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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The importance of choosing a financial adviser wisely can not be emphasized enough, and Clark has even more proof. Learn what to avoid, and when & how to hire a real financial planner. Also, the ongoing labor shortage is leading to adaptive innovations by American companies. Clark discusses manufacturing and automation as businesses adjust to labor force conditions - and what these changes will look like for consumers.
Financial Advisers: Segment 1
Ask Clark: Segment 2
Labor Shortage Adaptations: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Choice of Financial Adviser Can Dramatically Affect Retirement Savings
What Is a Fiduciary Financial Advisor and Do I Need One?
Will the Real Financial Planners Please Stand Up?
Clark.com - STREAMING TV
Meet the Army of Robots Coming to Fill In for Scarce Workers - The Wall Street Journal.
How to Deal With Medical Debt
Turo: 5 Things To Know About the Cheap Car Rental Service
Clark.com resources
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Keeping track of passwords and frequently having to change them is a part time job. But passwords may soon be a thing of the past. Now the industry believes they’ve come up with a more secure answer. Also, the auto insurance industry is all in to telematics tracking. For those with privacy concerns and lower than average miles driven, there’s a growing startup offering a viable alternative.
Beyond Passwords: Segment 1
Ask Clark: Segment 2
Per Mile Auto Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Death to passwords: Beta passkey support comes to Chrome and Android
How to handle money when you're traveling overseas
Best Credit Cards With No Foreign Transaction Fees in 2022
Is Now a Good Time To Put Money in a CD?
Why This Is the Best Time To Buy Series I Savings Bonds
Atlanta startup Mile Auto raises more money to grow despite potential recession, CEO says
Should I Let an Insurance Company Track My Driving Habits in Exchange for Lower Insurance Costs?
4 Things To Know Before You Buy Glasses From Costco Optical
Is Costco Worth It? 8 Items That Could Pay for Your Membership
Best Home Printers of 2022 - Consumer Reports
Where To Buy the Best Cheap Printer
Clark.com resources
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, over the past couple of years, population shifts have led some cities to offer pay incentives for people to move there. Clark has an update on these locales, incentives, and how these programs are working out.
Clark Stinks: Segments 1 & 2
Getting Paid To Move: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
FSA and HSA: Can You Have Both at the Same Time?
Why I Think Medicare Advantage Plans Stink - Clark Howard
Big Changes Coming to Credit Reports This Summer
When Should You Get an Accountant To Do Your Taxes?
New IRS Online Security Process: Is It Safe?
Automatic Bill Pay: How It Works and How To Do It Safely
How To Save Money on Utilities
These 20 cities will pay you to move there. Here's how it's working
Best Investment Companies for Investors in 2022
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Clark shares poll results on the question, “What would you tell your younger self if you could?” We received some great and very wise responses. And later - how people are handling this inflationary holiday includes cutting back & keeping it simple, and/or taking advantage of how the overhang of excessive inventory has created deals in many categories. Gift to Self: NOT overspending.
Audience Poll Results Yield Money Wisdom: Segment 1
Ask Clark: Segment 2
A Very Inflationary Christmas: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Poll Results - What do you wish your younger self knew?
Buy Nothing
Clark's take: Why everyone should have a dash cam
10 Ways To Save on Prescription Drugs
4 ways U.S. shoppers plan to defeat inflation this holiday season - and you can too
Amazon Sees Slowing Sales for the Holiday Season. Here’s What That Means for Shoppers
Clark Deals - TVs
The #1 Thing You Need To Do Before You Buy a Used Chromebook
BBB-File a Complaint
A Simple Trick To Paying Off Your Credit Card Faster
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Clark shares poll results on the question, “What would you tell your younger self if you could?” We received some great and very wise responses. And later - how people are handling this inflationary holiday includes cutting back & keeping it simple, and/or taking advantage of how the overhang of excessive inventory has created deals in many categories. Gift to Self: NOT overspending.
Audience Poll Results Yield Money Wisdom: Segment 1
Ask Clark: Segment 2
A Very Inflationary Christmas: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Poll Results - What do you wish your younger self knew?
Buy Nothing
Clark's take: Why everyone should have a dash cam
10 Ways To Save on Prescription Drugs
4 ways U.S. shoppers plan to defeat inflation this holiday season - and you can too
Amazon Sees Slowing Sales for the Holiday Season. Here’s What That Means for Shoppers
Clark Deals - TVs
The #1 Thing You Need To Do Before You Buy a Used Chromebook
BBB-File a Complaint
A Simple Trick To Paying Off Your Credit Card Faster
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Clark shares a wild story about a hotel booking gone terribly wrong, and how to protect yourself when booking with third party sites. Plus, Clark’s longtime creed: Save more, spend less, and avoid getting ripped off. Today - spotlight on a myriad of ripoffs proliferating right now and how to avoid them.
Hotel Booking Wisdom: Segment 1
Ask Clark: Segment 2
Scam Alerts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Steps To Getting a Good Deal on a Hotel Room
Marriott Bonvoy Boundless® Credit Card Review 2022: What You Should Know
Scammers are posing as your TV and internet company
The Washington Post] That customer service number? It could be a scam.
Why You Should Never Click on Random Text Messages
How To Prevent, Report and Repair Identity Theft
New IRS Online Security Process: Is It Safe?
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Clark shares a wild story about a hotel booking gone terribly wrong, and how to protect yourself when booking with third party sites. Plus, Clark’s longtime creed: Save more, spend less, and avoid getting ripped off. Today - spotlight on a myriad of ripoffs proliferating right now and how to avoid them.
Hotel Booking Wisdom: Segment 1
Ask Clark: Segment 2
Scam Alerts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Steps To Getting a Good Deal on a Hotel Room
Marriott Bonvoy Boundless® Credit Card Review 2022: What You Should Know
Scammers are posing as your TV and internet company
The Washington Post] That customer service number? It could be a scam.
Why You Should Never Click on Random Text Messages
How To Prevent, Report and Repair Identity Theft
New IRS Online Security Process: Is It Safe?
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
It’s that time of year - charity solicitations. But there are fake charities vying for our hard earned dollars and targeting our senior loved ones. Clark has some important guidelines for legitimate charitable giving. Also. we live in an era of surveillance. Our life online can be tracked and sold for profit, but WE don’t get paid. Yet, that option isn’t new and has resurfaced. Worth it? Clark explores privacy and consumer choice.
Legit Charitable Giving: Segment 1
Ask Clark: Segment 2
Online Tracking & Privacy Choice: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NYTimes: 76 Fake Charities Shared a Mailbox. The I.R.S. Kept Approving More.
How To Choose the Best Charities for Your Donations
Is There a Safe Way To Invest in Real Estate?
WSJ.com: Startups Offer to Pay Consumers for Permission to Track Them Online
What Is a C.L.U.E Report and Its Impact on Your Insurance
Why I Think Medicare Advantage Plans Stink - Clark Howard
Health Insurance Guide - Pitfalls of Medicare Advantage Plans - Investopedia
What Is a Secured Credit Card and How Does It Work?
Petal Card Review: A Good Option for First Credit Card?
Best Secured Credit Cards: Top Picks for Building or Repairing Credit
Finance Guide for Formerly Incarcerated People - MoneyGeek
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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It’s that time of year - charity solicitations. But there are fake charities vying for our hard earned dollars and targeting our senior loved ones. Clark has some important guidelines for legitimate charitable giving. Also. we live in an era of surveillance. Our life online can be tracked and sold for profit, but WE don’t get paid. Yet, that option isn’t new and has resurfaced. Worth it? Clark explores privacy and consumer choice.
Legit Charitable Giving: Segment 1
Ask Clark: Segment 2
Online Tracking & Privacy Choice: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NYTimes: 76 Fake Charities Shared a Mailbox. The I.R.S. Kept Approving More.
How To Choose the Best Charities for Your Donations
Is There a Safe Way To Invest in Real Estate?
WSJ.com: Startups Offer to Pay Consumers for Permission to Track Them Online
What Is a C.L.U.E Report and Its Impact on Your Insurance
Why I Think Medicare Advantage Plans Stink - Clark Howard
Health Insurance Guide - Pitfalls of Medicare Advantage Plans - Investopedia
What Is a Secured Credit Card and How Does It Work?
Petal Card Review: A Good Option for First Credit Card?
Best Secured Credit Cards: Top Picks for Building or Repairing Credit
Finance Guide for Formerly Incarcerated People - MoneyGeek
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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A new home buying trend is emerging that allows more people to become homeowners - BUT there are major considerations before entering into something very difficult to exit. Also, air travel patterns have changed, one of several factors driving up fares. Clark has 2 booking tips that can help you save in this current travel environment.
Home Buying Housemates: Segment 1
Ask Clark: Segment 2
Airfare Strategy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The new American dream is buying a house with friends: 'It's a co-parenting model, it's a co-economy model, and it's a really great friendship and support model'
NYT - Grand-mates: Generations Sharing a Special Bond (and Sometimes the Rent)
Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
United Airlines says hybrid working could help keep travel demand surging, despite US airfares rising by 43% over the last year
Follow Clark Howard's #1 Rule To Travel Cheap
Top Travel Deals - Clark Howard
Priority Pass | Airport Lounge Access
6 Things To Know About the Capital One Venture X Rewards Credit Card
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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A new home buying trend is emerging that allows more people to become homeowners - BUT there are major considerations before entering into something very difficult to exit. Also, air travel patterns have changed, one of several factors driving up fares. Clark has 2 booking tips that can help you save in this current travel environment.
Home Buying Housemates: Segment 1
Ask Clark: Segment 2
Airfare Strategy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The new American dream is buying a house with friends: 'It's a co-parenting model, it's a co-economy model, and it's a really great friendship and support model'
NYT - Grand-mates: Generations Sharing a Special Bond (and Sometimes the Rent)
Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
United Airlines says hybrid working could help keep travel demand surging, despite US airfares rising by 43% over the last year
Follow Clark Howard's #1 Rule To Travel Cheap
Top Travel Deals - Clark Howard
Priority Pass | Airport Lounge Access
6 Things To Know About the Capital One Venture X Rewards Credit Card
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Return policies are different this holiday season. Rapid changes are underway and vary from retailer to retailer, online vs in-store. What to know before any purchase.
Clark Stinks: Segments 1 & 2
Beware New Return Policies: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a 403(b) and How Does It Work?
8 of the Best High-Yield Online Savings Accounts in 2022
How To Find a Trustworthy Mechanic
The era of free returns may be coming to an end. Here's why retailers have started charging return fees — and how you can avoid them.
Just keep your returns: Stores weigh paying you not to bring back unwanted items
Which Documents Should You Keep and for How Long?
How Long Do You Need To Keep Tax Documents?
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Return policies are different this holiday season. Rapid changes are underway and vary from retailer to retailer, online vs in-store. What to know before any purchase.
Clark Stinks: Segments 1 & 2
Beware New Return Policies: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a 403(b) and How Does It Work?
8 of the Best High-Yield Online Savings Accounts in 2022
How To Find a Trustworthy Mechanic
The era of free returns may be coming to an end. Here's why retailers have started charging return fees — and how you can avoid them.
Just keep your returns: Stores weigh paying you not to bring back unwanted items
Which Documents Should You Keep and for How Long?
How Long Do You Need To Keep Tax Documents?
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
I Bonds aka Inflation Bonds have reset. Recently there was a land rush on I Bonds, offering a rate over 9%. The interest earnings rate is reset every 6 months based on an inflation measurement index. Clark explains the new structure and rate, and why I Bonds remain the best place to park savings. Also - In the pandemic wake, discretionary revenge spending has resulted in shocking numbers for both how much saving is down and credit card debt is up. Clark has an at home test that acts as a truth serum to guide spending.
I Bonds Update: Segment 1
Ask Clark: Segment 2
Revenge Spending Trap: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
Pros and Cons of Unlimited PTO and Companies That Offer it
HEALTHCARE.gov
Homeowners Insurance Archives - Clark Howard
More debt, higher fees: Credit card borrowers face mounting burdens
Have you joined Clark's 'Ditch Your Debt' Facebook group yet?
What Is Deferred Compensation? - Investopedia
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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I Bonds aka Inflation Bonds have reset. Recently there was a land rush on I Bonds, offering a rate over 9%. The interest earnings rate is reset every 6 months based on an inflation measurement index. Clark explains the new structure and rate, and why I Bonds remain the best place to park savings. Also - In the pandemic wake, discretionary revenge spending has resulted in shocking numbers for both how much saving is down and credit card debt is up. Clark has an at home test that acts as a truth serum to guide spending.
I Bonds Update: Segment 1
Ask Clark: Segment 2
Revenge Spending Trap: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
Pros and Cons of Unlimited PTO and Companies That Offer it
HEALTHCARE.gov
Homeowners Insurance Archives - Clark Howard
More debt, higher fees: Credit card borrowers face mounting burdens
Have you joined Clark's 'Ditch Your Debt' Facebook group yet?
What Is Deferred Compensation? - Investopedia
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Due to inflation, there are big changes in the tax brackets. Clark discusses how this affects investing and buying some types of life insurance. Also, add new seasonal job openings to the ongoing labor shortages and know there’s great side gig opportunity out there to close any gaps in your monthly budget. But, beware the “freeway ramp scam” and its online permutations offering big money for hourly work. Make sure your side hustle is real.
New Tax Rates & Brackets: Segment 1
Ask Clark: Segment 2
Second Jobs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Here Are the New IRS Tax Brackets for 2023
WSJ: Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 7%
What Is an Annuity, and Why Does Clark Think They Stink?
What Is a Fiduciary Financial Advisor and Do I Need One?
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
Straight Talk Wireless Introduces Prepaid Home Internet
Verizon Home Internet: Things To Know Before You Sign Up
Should I Keep My Old Car or Buy a New Car?
Should You Invest in a Rental Home? Here's Clark's 1% Rule
Is Amazon Prime Worth It for You? Take This Quiz To Find Out!
ABetterRoutePlanner.com
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The 401(k) contribution limit has been increased for 2023, but this headline buries the lead: New rules for Roth IRA income and contribution limits. And - Clark-onomics: The U.S. deficit. Clark explains how we got here since the budget surpluses of the 90’s and what we can learn from recent events in the UK.
New Roth IRA & 401(k) Limits: Segment 1
Ask Clark: Segment 2
Clarkonomics: The Deficit: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
IRS Announces Record 401(k) Contribution Limit Increase for 2023
How To Open a Roth IRA
Best 529 College Savings Plans By State
Economy, Borrowing Costs to Add Upward Pressure on Federal Deficit
4 Ways To Stop Junk Mail
How Many Credit Cards Should I Have?
7 of the Best High-Yield Online Savings Accounts in 2022
Banks Are Offering 4.5% CDs—Just Not to Regular Customers
Frequently Asked Questions • Max. your best interest.
Clark Deals 2022 Sweepstakes
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
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Clark discusses changes from Netflix, the overall morphing of streaming services across providers and how to protect your wallet with the changes underway. Also, time for year end tax considerations. Those with non-retirement investment accounts should know about tax loss harvesting to save on taxes. When you sell a winner, you pay capital gains tax. You can also harvest losses. Clark explains.
Netflix & Streaming Update: Segment 1
Ask Clark: Segment 2
Tax Loss Harvesting: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Netflix to Charge $6.99 a Month for New Ad-Supported Tier - The Wall Street Journal.
[The Washington Post] Netflix is poised to crack down on account sharing. What happens now?
You Hated Your Cable Package. Your Streaming Services Are Bringing It Back. - The WSJ
Clark.com - Streaming TV
The Michigan State Numismatic Society
6 of the Best Budgeting Apps in 2022
Best Way to Exit Your Timeshare: Never Buy One in the First Place
How Tax-Loss Harvesting Works for Average Investors
Year-End Financial Checklist: Prepare Now, and You’ll Have Time to Adjust
10 Year-End Strategies To Cut Your Tax Bill
The worst insurance in the world
Why You Don't Need Mortgage Life Insurance - Investopedia
Why you have to check your bank statements daily
The Best Places To Buy Tires
Do you think Tire Tread Life Warranties are a come on & just marketing?
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! For the first time ever - for the entire podcast - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Clark Stinks: Segments 1 - 4 Mentioned on the show:
Citi® Double Cash Card – 18 month BT offer Review: Earn Up to 2% Cash Back on All Purchases
Consider US Treasury Bills, Notes and Bonds
Study: Walk 3,800 to 9,800 steps daily to reduce dementia risk
Zelle fraud is rising. And banks aren't coming to the rescue
xeriscaping | National Geographic Society
The easy way to pay off your credit card debt in a quarter of the time
6 Steps To Eliminate Credit Card Debt in 3 Years or Less
How to Reduce Your Taxes and AGI by Giving to Charity
NALA – The leading paralegal association
National Federation of Paralegal Associations: Home
Insurance | Tesla
How To Open a Roth IRA
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Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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The car market is gradually healing but we’re not there yet. Clark gives a timeline on availability, affordability, and a potential alternative to buying now if you need wheels right away. And - Back To Basics - Open Enrollment decisions are upon us. Clark clears confusion surrounding Health Savings Accounts or HSAs which can offer long term financial security - and the difference between an HSA and an FSA.
Vehicle Purchase Alternative: Segment 1
Ask Clark: Segment 2
HSA vs. FSA: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
SIXT+ Your Car Subscription
Barrons.com: Car Inventories Are Growing. Don’t Expect Any Discount—Yet.
Should You Buy an Extended Warranty on Your Car?
HSA Contribution Limits and Other Requirements for 2022 and 2023
Clark.com: What Is an HSA Account and How Does It Work?
What Is a Flexible Spending Account?
Wills & Funerals Archives - Clark Howard
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Current customer outrage at Dunkin’ for devaluing rewards offers a lesson about these programs in general, including travel points from hotels and airlines. Clark discusses how this game is played and what participating consumers should understand about so called loyalty programs. Also, Clark has been talking about affordable hearing aids being just around the corner for 5 years. FINALLY they’re here - hearing aids at world prices vs cartel prices! Learn how the market now works and what’s available
Loyalty Rewards Devalued: Segment 1
Ask Clark: Segment 2
Now In Range-Affordable Hearing Aids: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
You’re Going to Have to Work Harder for Your Airline Status - The Wall Street Journal.
Best Travel Credit Cards: Top Rewards Picks for 2022
Chase Sapphire Reserve® Review: Is It Worth the Hefty Annual Fee?
Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card: Which Travel Card Is Best For You?
Will Hawaii No Longer Accept Out-of-State Driver’s Licenses? | Snopes.com
Automatic Bill Pay: How It Works and How To Do It Safely
The Washington Post: How to buy a hearing aid online or in a store
Clark.com Hearing Aids
Aspiration Spend & Save: Do Good While Maximizing Your Savings Interest Rate
What Is Disability Insurance and How Does It Work?
Clark.com resources
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Hear Clark’s unique perspective on the proposed Kroger-Albertsons merger, as he takes a wider view of the marketplace and your money saving strategies and options. Also, because of Russia's invasion of Ukraine, the cost of heating will go up about 25% this winter depending on temperature severity. Clark offers specific advice, particularly if you live in the Mid-Atlantic or New England.
Supermarket Strategy: Segment 1
Ask Clark: Segment 2
Winter Heating: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Kroger to Buy Albertsons in $24.6 Billion Deal That Would Create New Grocery Giant
Should You Invest in a Rental Home? Here's Clark's 1% Rule
Best 529 College Savings Plans By State
How To Open a Roth IRA
WSJ.com: Higher Heating Bills Poised to Hit U.S. Households This Winter
7 Easy Ways To Lower Your Heating Bill
10 Ways To Keep Warm Without Spending Any Money
3 Things To Consider Before You Get Solar Panels
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First an update on the recommendation to buy short term treasuries, including an easy button idea for doing so. And, Clark welcomes special guest, Professor James Choi from Yale University - the behavioral economist behind some striking research around when you should start saving money. He and Clark share ideas on conventional financial advice vs what people actually do - and the gray areas in between.
U.S. Treasuries- Update: Segment 1
Ask Clark: Segment 2
Professor Choi- Behavioral Economist: Segments 3 & 4
Mentioned on the show:
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
If you’re with a discount broker, you can buy their own US Treasury Money Market Fund
Google Voice for Business
How To Dispute an Error on Your Credit Report and Win
Free Flood Check® & How To Avoid Flooded Cars
Watch Out for Flood-Damaged Cars from Hurricane Ian
What Is an HSA Account and How Does It Work?
An economist studied popular finance tips. Some might be leading you astray
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - CLARKONOMICS: The 60/40 Rule. The general rule of having 60% of an investment portfolio in stocks and 40% in bonds has proven ineffective twice in history - during the 1920’s - and 100 years later - now. Clark explains why and offers best practices for investors.
Clark Stinks: Segments 1 & 2
CLARKONOMICS: The 60/40 Rule: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
20 Ways To Save on Amazon
Is Costco Worth It? 8 Items That Could Pay for Your Membership
The Markets Face a Rare Double Decline
8 Facts You Must Know About Bear Markets
22 Ways To Save Money on Groceries
8 Things To Know Before Your First Trip to Aldi
National Credit Union Administration
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Open enrollment for health insurance is upon us. Clark clarifies options available, including Health Savings Accounts - to help you make important health coverage decisions. Also, battered by disruption, the car market continues to struggle. Clark discusses where the industry is right now and moving forward, including when you should buy (not now) and what to do if you MUST buy now.
Open Enrollment: Segment 1
Ask Clark: Segment 2
Vehicle Market Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Is that health insurance, a health product, or a scam?
WSJ - Tax Secrets of Health Savings Accounts
What Is an HSA Account and How Does It Work?
Is getting life insurance through your employer good enough?
Life Insurance Archives - Clark Howard
How To Buy Term Life Insurance in 7 Easy Steps
What Is Disability Insurance and How Does It Work?
Medi-Share & other health care sharing ministries: What you need to know before signing up
Used cars have become unaffordable
Clark Howard's Simple Rule for Refinancing an Auto Loan
Are You Following Clark's Maximum Auto Loan Length Rule?
Subrogation Definition - Investopedia
Clark's take: Why everyone should have a dash cam
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Job scams work both ways. The pandemic move to online recruitment has led to some pitfalls for both job seekers and employers. What to know about fake jobs and fake applicants - and a Clark smart key rule for landing a real job. Also, do you know what your colleagues earn doing the same work as you? The movement toward pay transparency has begun.
Fake Jobs - Fake Applicants!: Segment 1
Ask Clark: Segment 2
Pay Transparency: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The rise of 'bait-and-switch' job interviews
That's not a real job opening: Some companies are posting 'ghost jobs'
How To Prevent, Report and Repair Identity Theft
How To Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma vs. Credit Sesame: Is One Better Than the Other?
Should I Get an Umbrella Insurance Policy?
Personal Umbrella - Insurance - Clark Howard Community
Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
What Is a 403(b) and How Does It Work?
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Credit reports are used by creditors, employers, insurance companies, and more - and many are inaccurate. Learn how this can hurt you and what you can do about it! Also, buy now pay later aka pay in 4 - has infested the U.S. economy on all fronts and delinquencies are on the rise. Clark explains how this works and the hazard for your wallet.
Vigilance: Your Credit Report: Segment 1
Ask Clark: Segment 2
Buy Now, Pay & Pay & Pay Later: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Investopedia: Credit Reporting Complaints Have Doubled Since 2018
How To Dispute an Error on Your Credit Report and Win
Should You Pay for Credit Monitoring?
Betterment Review: How It Works, Pros & Cons - BETTERMENT Cash Reserve
Over 60% of Americans regret an impulse buy—how social media makes it hard to resist
How To Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma vs. Credit Sesame: Is One Better Than the Other?
Elliott Advocacy / Clark’s Consumer Action Center
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Storms, fire, flood or other sudden misfortune could separate you from access to vital accounts and documents. Get Clark smart guidelines to help keep you and loved ones operational - just in case. Also, we’ve had several questions and comments from parents trying to teach their children about money. Clark shares just how important that is - and how to approach the subject effectively for kids and teens.
Preparing for the What-Ifs: Segment 1
Ask Clark: Segment 2
Financial Education: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
10 Steps To Strengthen Your Financial Emergency Preparedness Now
-A checklist of what to do – and pack – when a hurricane’s coming
How To Open a Roth IRA
A Roth IRA for a Kid? Yes, You Can Turn Babysitting Money Into a Retirement Windfall.
A Simple Trick To Paying Off Your Credit Card Faster
Bumper - Investing for Teens
Fidelity Bloom℠ - Financial App
Bloom - Stock Investing App for Teens
Investopedia Education / Money 101 | 5 simple money rules to last a lifetime
5 money skills all parents should teach their teenager
Credit Karma Review: Free Credit Score and More at Your Fingertips
How To Build Credit
Best Secured Credit Cards: Top Picks for Building or Repairing Credit
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, holiday travel season approaches and if you haven’t flown in a while, Clark has some news you could use.
Clark Stinks: Segments 1 & 2
Holiday Air Travel: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
15 of the Best Free Workout Apps
Medicaid and Nursing Homes: A Quick Guide to the Rules
Want to block third-party trackers on your Android device? Try DuckDuckGo's new feature
[The Washington Post] Are airlines getting more strict about carry-ons?
[The Washington Post] It’s not your imagination: Planes are dirtier
Should You Ever Buy Travel Medical Insurance?
InsureMyTrip
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We’re seeing the horrific devastation of recent hurricanes, knowing they won’t be the last. But there are new ways of building that can help keep power on when catastrophic weather hits. Where this is being done, and what’s needed for the future. Also, Americans are going for the real thing, as artificial meat sales go down. Why the novelty of meat substitutes has worn off.
A Rethink On Rebuilding: Segment 1
Ask Clark: Segment 2
Beyond Meat Substitutes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
This 100% solar community endured Hurricane Ian with no loss of power and minimal damage
5 Things to Know Before You Buy Flood Insurance
Should I Buy a Used Car, New Car or Lease Right Now?
5 Steps To Getting a Good Deal on a Hotel Room
Rocket Money Review: 4 Things To Know Before Signing Up
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While holiday sales abound, including from online retailers, shipping is getting more expensive. Fedex is having serious issues that may affect holiday deliveries - and all carriers are dealing with disruptions. Get Clark’s best advice for holiday shipping. Also, Clark explains the “pig butchering” scam technique via messaging apps. When you respond, you open the door to a slow con. This is happening to people from all walks of life. Learn how it plays.
Holiday Shipping Advice: Segment 1
Ask Clark: Segment 2
The Pig Butchering Scam: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
Car Rental Insurance: Everything You Need To Know
Credit Card Car Rental Insurance: What You Need To Know
Best Cash Back Credit Cards: Top Picks for 2022
USAJobs.gov
What’s a Pig Butchering Scam? Here’s How to Avoid Falling Victim to One.
The #1 Thing You Need To Do Before You Buy a Used Chromebook
What Is a Bear Market?
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A special session of Clarkonomics on home buying. The home market has been through periods of distortion this entire century. Clark gives historical perspective explaining how we got here, the current climate for home buyers and sellers, and where the housing market is headed. Also, there are some new ways to save on grocery delivery without breaking the bank. As the pandemic subsides, retailers continue to adapt. Clark conveys some innovative new delivery offerings from Kroger and Sams Club.
Clarkonomics: The Housing Market: Segment 1
Ask Clark: Segment 2
New Delivery Options: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Think mortgage rates are high now? Homebuyers in the 1980s were paying 19%
12 things your homeowners insurance probably doesn't cover
Dangers of putting monthly bills on automatic debit
Should I Get an Umbrella Insurance Policy?
New Report: The #1 Appliance Brand for Customer Satisfaction
Which Home Security Systems Rank Better Than Ring?
The Best Time and Place To Buy a Mattress
Costco and mattressess - Clark Howard Community
Best Mattress Buying Guide - Consumer Reports
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EV’s are in great demand right now, but today buying an electric vehicle doesn’t make financial sense. Clark discusses the industry outlook and your alternatives, until the time is right to buy an EV. Also, DEBT - the price you pay is more than financial. The stress of debt takes a toll on health. Clark talks about the different types of debt and approaches to getting it under control.
Electric Vehicle Outlook: Segment 1
Ask Clark: Segment 2
Debt and Mental Health: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Can You Actually Ditch Your Car for an E-Bike? Maybe - The Wall Street Journal.
5 Ways to Create a Cheap Home Gym
What Is a Fiduciary Financial Advisor and Do I Need One?
Best Investment Companies for Investors in 2022
Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?
Betterment Review: How It Works, Pros & Cons
Wealthfront Review: How It Works, Pros & Cons
How To Open a Roth IRA
Clark.com Ditch Your Debt Facebook group
6 Things To Know Before Contacting the National Foundation for Credit Counseling
What Is Long-Term Care Insurance Cost & Coverage
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses several factors behind rapidly rising auto insurance premiums and how you can make a difference in what you pay.
Clark Stinks: Segments 1 & 2
Rising Auto Insurance Rates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Best Places To Buy Eyeglasses
How To Improve Your Credit Score by 100 Points in 30 Days
How To Get a Free Credit Report
Top Dental Schools That Provide Cheap or Free Dental Work
THE WSJ: Four Ways to Save Money on Car Insurance as Rates Rise
How to Shop for Car Insurance
Clark.com - AUTO INSURANCE
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Once upon a time, people were considered adults and on their own by age 18. Today, that’s not the norm. Parents often keep “emerging adults” on their cell phone & streaming plans, health & auto insurance and subscriptions - due in part to family plan tie-ins. Thoughts on when and how to cut the cord. Also, what you should know about health apps and medical searches, and your most personal privacy.
The Parental Dole: Segment 1
Ask Clark: Segment 2
Health Apps & Sites And Your Privacy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
7 ways to make your kids money-savvy for the future
[The Washington Post] Health apps share your concerns with advertisers. HIPAA can’t stop it.
DuckDuckGo — Privacy, simplified.
Brave Browser: Secure, Fast & Private Web Browser
How Many Bank Accounts Should You Have? - Clark Howard
The Best Places To Buy Tires
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Fidelity has refined their Robo-Advisor service. The new Fidelity-GO is really different. Clark explains the offerings, fees and your opportunity here. Also, Frontier Airlines recently had a zero dollar sale - but there’s a reason you didn’t see it on Clark Deals. This is a problem the Federal government is addressing with a new proposal to require full price disclosure. The game today involves bait & switch. Consumers deserve better - and there may be a comment period….
The New Fidelity GO: Segment 1
Ask Clark: Segment 2
Airfare Price Disclosure: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fidelity Will Merge Its Robo-Advisor Offerings
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
White House: New rule will show 'true cost' of plane tickets
Follow Clark Howard's #1 Rule To Travel Cheap
Best Travel Credit Cards: Top Rewards Picks for 2022
Why You Need To Use Your Travel Points Right Now
Best Cash Back Credit Cards: Top Picks for 2022
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The ships have come in and retailers have too much merchandise - over supply. Meanwhile due to inflation, demand has lessened = SALES. Clark points to holiday shopping deals, as this year, October is the new November. Bonus - Walmart’s new return policy. Also - Clarkonomics returns. Clark sets the table on how The U.S. and world economies got to where we are now and explains the moves that are coming to get inflation under control.
October Holiday Sales: Segment 1
Ask Clark: Segment 2
Clarkonomics - Economic Overview: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Introducing Amazon’s Prime Early Access Sale—A New Holiday Shopping Event for Members to Save Big October 11 and October 12
Score Discounts on Apple AirPods Pro, iPads, and the Apple Watch 8 at Amazon Before the Prime Early Access Sale
Best Online Banks: Free Checking and High-Interest Savings Accounts
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
Best Cell Phone Plans in 2022: The Cheapest Plan for Every Need
Visible Review: 5 Things To Know Before You Sign Up
NYTimes.com: Bad News From the Fed? We’ve Been Here Before.
What Is a C.L.U.E Report and Its Impact on Your Insurance
Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus?
Clark Deals 2022 Sweepstakes
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You may have noticed how difficult it is to find a company phone number. Turns out, that is by design. For business, Clark discusses real ways to build customer loyalty. And if you’re with a company that only rewards new customers, ignoring your loyalty, play their game to protect your wallet. Also, Clark discusses the financial pressures on the cost of energy this winter in the U.S., as part of the world wide energy market, focusing on what we CAN control. Learn what you can expect to pay and what you can do to mitigate it.
Customer-No-Service: Segment 1
Ask Clark: Segment 2
Winter Heating Bills: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
GetHuman: Call Companies and Fix Customer Service Issues Faster
4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)
Electric Bills Soar Across the Country as Winter Looms - The Wall Street Journal.
7 Easy Ways To Lower Your Heating Bill
How To Save Money on Utilities
Credit Union vs. Bank: What's the Difference?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we all know walking is great for physical health, but it may also help ward off something we all fear - dementia. What is known about how much walking is great for your cognitive health.
Clark Stinks: Segments 1 & 2
Walking for Mental Health: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is Disability Insurance and How Does It Work?
Emergency Fund Complete Guide: How Much & Where
4 Things To Know Before You Buy Glasses From Costco Optical
The Best Places To Buy Eyeglasses
Subscribe & Save | Save on Everyday Essentials - Amazon.com
Apply for Public Service Loan Forgiveness (PSLF)
New Report: States With the Highest and Lowest Used Car Price Increases
What You Need To Do With Your Gift Cards Right Now
How To Spot and Avoid Gift Card Scams
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In spite of inflation, there are deals to be had. Amazon is in major overstock mode right now - offering a separate site for discounts, and a section for deals on open box returns - Clark explains. Also, there are those among us who, despite not making a lot of money, are able to save significant amounts. Clark shares how the goal of Financial Independence is achieved.
Amazon Cuts Deals: Segment 1
Ask Clark: Segment 2
Secrets of Super Savers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Amazon Warehouse: Where Amazon Prime Returns Become Your Next Online Bargains
Simplified Employee Pension (SEP) Definition - Investopedia
What Is a SEP IRA and Who Is Eligible?
What Is Direct Primary Care? A Patient's Guide to DPC - GoodRx
How To Plan a Trip: Clark's Best Travel Tips To Save Money
Travel Insurance? What You Need To Know Before You Buy
A Simple Way To Help Your Kid Build Credit
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
Verizon Home Internet: Things To Know Before You Sign Up
How To Find the Best Deal on Cheap Internet Service in 4 Steps
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Labor shortages are everywhere, but one sector particularly hurting affects us all - the government. Governments all over the country are short of workers, especially at state and local levels in varied capacities. Some of these jobs may come with the rare pension. You may be part of the solution. Clark paid his way through undergraduate school working for HUD - a good steady job. Also, credit card interest rates are the highest in decades. Long term credit card debt puts you in indentured servitude to the banks. Clark has a back to basics way to get it under control.
Your Government Needs YOU: Segment 1
Ask Clark: Segment 2
Credit Card Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Does Anyone Want a Government Job? Anyone? USA Federal Jobs
Food prices are still soaring — here's what's getting more expensive
Hearing Aids Will Soon Be Sold Over The Counter
Costco Hearing Aids: 5 Things To Know Before You Buy
The Best Smart Water-Leak Detector - The New York Times
Have you joined Clark's 'Ditch Your Debt' Facebook group yet?
NYTimes: Wegmans Discontinues Self-Checkout App, Citing Losses
5 Ways to Save Money on Gas at Kroger
Clark Howard's Important Advice on Funeral Planning
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The clock is ticking on the best inflation investment. Series I Savings Bonds are about to go through a reset in November. Clark explains rates and holding terms. Act now to make inflation work for you. Also, when the free market speaks, industries must respond to survive. Automaker Ford has new rules for anticompetitive dealerships - great news for car buyers.
Series I Savings Bonds: Segment 1
Ask Clark: Segment 2
Ford’s new dealership rules: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Barrons.com: Buy I Bonds Now at 9.6%. A New Rate Comes in November.
5 Things To Know About Series I Savings Bonds
Best Renters Insurance Companies and Ones To Avoid
Should You Buy an Extended Warranty on Your Car?
5 Things to Know About Renting an RV on Outdoorsy
RV Rentals - Direct from Local Owners | #1 RV Rental Site
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A completely illegal practice is going on by nursing homes and their collectors. Under federal law - The Nursing Home Reform Act - it’s illegal to go after family members for nursing home debt. What to do if you’re contacted for this type of collection. Meanwhile, bad investment advice is being peddled to young would-be investors on TikTok and other social media channels. There are 225 professional designations people are using to pitch commission based financial advice! That’s why you must know the basics, know the pay-for-play dubious pitch when you hear it, and know how to find a legitimate, fiduciary financial advisor.
Illegal Nursing Home Collections: Segment 1
Ask Clark: Segment 2
Ethics In Investing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Regulators try to stop unlawful nursing home debt collection
The 1987 Nursing Home Reform Act - AARP
4 Things To Know About Hulu's Live TV Streaming Service
Clark.com - Streaming TV
Rule of 78 Definition - Investopedia
Simple Interest Definition: Who Benefits, With Formula and Example
Why Investing And Insurance Shouldn't Mix (Despite What TikTok Says)
Will the Real Financial Planners Please Stand Up?
What Is a Fiduciary Financial Advisor and Do I Need One?
Best Investment Companies for Investors in 2022
Trust Pilot - Worthy
Here Are 100+ Brands That Are Made in the USA
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Airbnb is a great concept - subject to problematic execution. Learn what potential problems await both guests and hosts and how to prepare.
Clark Stinks: Segments 1 & 2
Airbnb: Opportunity & Hazard: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Invest With a Bank
What Is a Fiduciary Financial Advisor and Do I Need One?
3 Places You Should Never Invest Your Money
Best Investment Companies for Investors in 2022
8 Things To Know Before Your First Trip to Aldi
Resort Pass
Best Free Password Managers: 7 Top Picks
Netflix on Us: We Offer this Streaming Deal with Your Plan
Charity Navigator - How To Choose the Best Charities for Your Donations
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Consumers are often told they must use authorized service dealers to maintain a warranty. Not so. What you need to know about parts and repairs. Also, T-Mobile and Apple are utilizing advances in satellite technology to expand communication world-wide, initially facilitating emergency alerts. Clark explains this new safety net, and where this tech is headed.
The Truth About Warranties: Segment 1
Ask Clark: Segment 2
Cell Phone + Satellite Technology: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Will You Void a Car Warranty by Not Having Your Car Serviced at the Dealership?
How to Freeze Your Child's Credit
WSJ.com: Apple’s iPhone Satellite Service Kicks Off Smartphone Space Race
Apple & T-Mobile offer stranded people satellite connections
If You Are Buying an iPhone 14, Some Ways to Save on Your Wireless Bill - WSJ
From iPhone 14 to Apple Watch 8: Everything Apple Revealed at 'Far Out'
How to decide if medical tourism is a viable option for you
Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?
Fidelity Investments Review 2022: Pros & Cons
What To Do With a Lump Sum, Inheritance or Windfall
Best Cell Phone Plans in 2022: The Cheapest Plan for Every Need
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The average American is spending around $15 more a day - all things being equal vs. a year ago. Clark updates the economic lay of the land including housing, gasoline, service businesses and jobs - in global context as we endure inflation rotation. Also, if you’re considering moving, there are new considerations that are absolutely vital now. Homeowners insurance has become a complete wildcard. Clark has MUST DO advice before you buy in an area new to you.
Inflation Update: Segment 1
Ask Clark: Segment 2
DON’T MOVE Without Knowing This: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
4 Ways To Get Your Free Credit Score
Report: The Most Reliable Car Brands
NYTimes.com: As Wildfires Grow, Millions of Homes Are Being Built in Harm’s Way
These maps show how climate change affects your city in real time—and what will happen in the future
Insurance Archives - Clark Howard
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Many failed to file taxes in 2019 and/or 2020. Well the IRS will forgive those penalties, IF you can hit a fast approaching deadline. Already paid the penalty? More good news. Clark explains. Also, big players like Amazon and CVS are getting into the healthcare industry. But Walmart Health Centers offer unique services and savings to more people.
IRS Cuts Late Filers A Break: Segment 1
Ask Clark: Segment 2
SAVE on Healthcare: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
There’s an Important IRS Deadline Coming This Month
NYTimes: I.R.S. to Refund Late-Filing Penalties for 2019 and 2020 Returns
5 Things To Know About Series I Savings Bonds
Uninsured Motorist Coverage (UM) Definition - Investopedia
NYTimes.com: CVS Makes $8 Billion Bet on the Return of the House Call
Axios: CVS beats out Amazon for Signify Health
Walmart Health Center price list
How To Open a Roth IRA
The Best Places To Buy Eyeglasses
Mint Mobile Review: 5 Things To Know Before You Sign Up
Vanguard, Fidelity, Schwab - Investing - Clark Howard Community
FREE ADVICE: Clark’s Consumer Action Center (CAC)
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There’s a right way to use standing desks, and to deal with a traditional sitting desk job - to improve your health. Clark explains. Also - Inflation and supply shortages have made buying used much more popular. Clark shares the secondhand market’s best categories, and a new offering from Walmart - to help you save more.
Sit-Stand Desks: Segment 1
Ask Clark: Segment 2
Explore the Resale Market: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Your Biggest Questions About Standing Desks, Answered
Walmart Restored helps customers find affordable refurbished items
What Is Disability Insurance and How Does It Work?
Best 529 College Savings Plans By State
The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
401(k) Match: What Is It, How It Works
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Clark shares some valuable resources for those considering trade school and apprenticeship programs towards a new solid career path.
Clark Stinks: Segments 1 & 2
Trade School & Apprenticeship Resources: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Cancel for Any Reason - Travel Insurance Benefit - InsureMyTrip
4 Things To Know Before You Buy Renters Insurance
How Do I Check Tire Air Inflation Pressure?
Men Make 48% More Than Women in the Gig Economy, Study Finds - Bloomberg
Registered Apprenticeship Program - LeanHowToBecome.org
Google Workspace Pricing
How to Buy Individual Dental Insurance
Price Hike: Sam's Club Is Raising Membership Fees Soon
Welcome to the Clark.com Community
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We’re here to help you avoid rip-offs and scams. Pretext, aka imposter & impersonation scams comprise the top rip-offs and they come in many forms. Be in the know so you don’t get taken. Also, credit card interest rates haven’t been this high since the 1990s - while the banks are pushing offers to get you hooked. Solicitations are as sky high as interest rates. They want to own you!
Impersonation Scams: Segment 1
Ask Clark: Segment 2
The Credit Card Trap: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Find out what scams are happening in your area
Real Money, Fake Musicians: Inside a Million-Dollar Instagram Verification Scheme
5 Best Ways To Send Money Online
The Best Places To Sell Your Cell Phone
MaxBack: 5 Things To Know Before Selling Your Phone
Backflip: 5 Things To Know Before Selling Your Phone
BuyBackWorld: 5 Things To Know Before Selling Your Phone
ecoATM: 5 Things To Know Before You Sell Your Phone
Swappa: 5 Things To Know Before Selling Your Phone
Gazelle: 5 Things To Know Before Selling Your Phone
Amazon’s Subscribe & Save program might actually cost you more money
How To Manage Your Monthly Subscriptions To Save Money
How To Open a Roth IRA
Fidelity Investments Review 2022: Pros & Cons
Best Investment Companies for Investors in 2022
How to stay smart about Android app permissions
How To Save $1,000 in 15 Weeks
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Transformational shifts are underway in how we buy and own homes.. There’s a home improvement boom in progress around the country, but timing is everything. Get Clark smart about when to renovate and how to choose a contractor. And - Now hear this! The average price of hearing aids in the U.S. is around $2700, compared to $200 in the rest of the world. The long awaited end of this pricing cartel will bring both opportunity and some pitfalls over the next few weeks.
Home Renovation: Segment 1
Ask Clark: Segment 2
The Arrival of OTC Hearing Aids: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
6 Tips for Hiring a Contractor
Leaving an apartment? Here's how to avoid those move-out charges
Hearing Aids Will Soon Be Sold Over The Counter
Follow these 5 steps to prevent a hotel bed bug attack
Major Tax-Reporting Change for Users of Venmo, PayPal and Others
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The airline industry has been a mess, stretched thin by labor shortages as the travel industry rebounds. Thanks to DOT and public pressure, for the first time in 40 years passengers have a clear guide to their rights when flights are canceled or delayed. Clark walks you through the new DOT - Airline Customer Service Dashboard and what YOU need to do when grounded. Also, a worker warning: Why you need to be cautious when an employer offers you any kind of internal training.
DOT Airline Dashboard: Segment 1
Ask Clark: Segment 2
Training Repayment Agreements: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What America’s 10 Largest Airlines Offer if Your Flight Is Canceled or Delayed
Google Flights
File a Consumer Complaint - Department of Transportation
Air Travel Complaints | US Department of Transportation
Online travel itinerary and trip planner - TripIt
Lemonade Insurance Review: How It Works, Coverage Options
Best Renters Insurance Companies and Ones To Avoid
Clark's National Travel Deals
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Rents have increased dramatically in a short period of time, the biggest rise since the aftermath of WWII. Clark explains how we got here today and the idea of rent control, plus, some good news on the rental front. Also - Is renting out your car on a peer-to-peer platform to make extra money a good idea? Clark breaks down the pros and cons.
The Rental Housing Outlook: Segment 1
Ask Clark: Segment 2
Peer-To-Peer Car Rental: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
AAA Membership: Is It Worth It?
Costco Travel: 5 Things To Know Before You Book
How To Use 'Vacations To Go' To Find Bargain Cruises
Travel Insurance? What You Need To Know Before You Buy
CNET - How to Make Extra Money by Renting Out Your Car Online
Peer-to-peer car sharing: A potentially risky side gig
Turo: 5 Things To Know About the Cheap Car Rental Service
AutoSlash Review: How To Save on a Rental Car
Cheapest Way to Rent a Car: Expert Tips
No Surprises Act - CMS
Your health insurance says, ‘Claim denied.’ How to fight back
Should You Buy Cell Phone Insurance?
Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone
Clark.com - CELL PHONES
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Recent stock market volatility has many worried about their retirement. In the short term, markets go through downturns - as they should. Clark addresses these concerns based on the long term play and your proximity to retirement.
Clark Stinks: Segments 1 & 2
Market Fears-Retirement: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The $10 Travel Essential Clark Howard Always Packs
Fidelity Investments Review 2022: Pros & Cons
How To Save and Invest the Clark Howard Way
5 Biggest Financial Risks in Retirement
Investing & Retirement Archives - Clark Howard
How to book travel on Priceline
Clark's Secret to Finding the Best Priceline and Hotwire Hotel Deals
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School is in session and many teens worry about having enough extracurriculars on their activities resume. But there's another very important route for students that should be top of mind. Also, learn why people are rediscovering gyms now and some guidelines for selecting the right gym for you.
For Students: A Key Extracurricular: Segment 1
Ask Clark: Segment 2
Selecting A GYM: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
USHIP - Shippers, meet Carriers, Carriers, Meet Shippers
How To Dispute an Error on Your Credit Report and Win
Submit a complaint | Consumer Financial Protection Bureau
CNET - How to Get a Gym Membership for Practically Free
5 Ways to Create a Cheap Home Gym
Debt Archives - Clark Howard
6 Steps To Eliminate Credit Card Debt in 3 Years or Less
Why You Might Be Paying Your Credit Card Bills All Wrong
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Clark shares a personal story concerning something every parent worries about - their teenager having a car accident. Also - with mortgage rates rising, there‘s an old tried & true strategy many Americans are unaware of - that could save big bucks on interest: the assumable, non-escalating mortgage.
Teen Drivers & Accident Ethics: Segment 1
Ask Clark: Segment 2
Mortgage Strategy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Want a Lower Mortgage Rate? Take Someone Else’s Loan
Clark's take: Why everyone should have a dash cam
Is a Home Warranty Worth the Money?
How can you find the best mortgage rates?
22 Places That Offer Discounts to U.S. Veterans
Save More on Green Home Improvements Under the Inflation Reduction Act
The cash incentives in the climate bill are only good if people actually use them
Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
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Retailers have been fighting from behind since March 2020. Suddenly supply chains are moving and stores have goods aplenty. In a time of inflation - we have never seen before deals in many categories this September. Clark calls out the buys for early holiday shopping. Also, Federal student loan forgiveness - what eligible student and parent borrowers need to know about how the program will work - and how the scams play.
Christmas in September: Segment 1
Ask Clark: Segment 2
Student Loan Forgiveness: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New Vanguard Account Fees Will Increase Costs for Some of Its Most Loyal Customers
Fidelity Investments Review 2022: Pros & Cons
Warning: Never Get Roadside Assistance From Your Insurance Provider
Password manager LastPass reports breach, says no credentials stolen
Explainer: How Biden's student loan forgiveness will impact U.S. consumers
Student Loan Forgiveness Plan Won’t Make Inflation Worse—Even If It Adds $400 Billion To Deficit, Goldman Says
Did you hear about the student loan announcements? Scammers did, too
How To Watch Football Without Cable: Stream NFL and College Football (2022)
Term Life vs. Whole Life Insurance: Understanding the Difference
EvaluateLifeInsurance.org
Term Life vs. Whole Life Insurance: Understanding the Difference
What Is an Annuity, and Why Does Clark Think They Stink?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this year Clark recommends extra early holiday travel planning AND early shopping and shipping. Know when to expect shipping hikes and the bargain months for online shopping & delivery.
Clark Stinks: Segments 1 & 2
Holiday Shipping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
USPS says it's hiking prices for holiday shipping - CBS News
What Is a Reverse Mortgage and How Does It Work?
TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You?
Pirate Ship: Free USPS and UPS shipping software
AAA Membership: Is It Worth It?
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After a chaotic summer, the outlook for fall travel looks better on every front. September is your cue to start planning holiday travel this year. Get Clark smart advice on how & when to book, avoiding the 4 most expensive travel days, and whether you need travel insurance. Also, Labor Day signals a good time to update job market trends. Clark discusses “unlimited vacation” & taking time off, as well as great part-time opportunities for retirees - and an employee tactic that is NOT recommended.
Holiday Travel: Segment 1
Ask Clark: Segment 2
Job Trends: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Need To Book Holiday Travel Now
What Is Travel Insurance? 7 Things You Need To Know
How Many Credit Cards Should I Have?
Clark Howard: Books - Clark Howard
YouTube: Clark Howard: Save More, Spend Less
How to Start Saving and Investing with Clark's Best Advice
ClarkDeals - Laptops
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Text message scams keep coming and keep morphing. Know what the latest barrage looks like - deploying new ways to hook you into getting ripped off. Also, high mortgage rates can be avoided when conditions are right for a family member to make the loan. Learn how to lend to loved ones without the tax consequences.
New Text Message Scams: Segment 1
Ask Clark: Segment 2
Family Loans & Taxes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Click on Random Text Messages
Don’t click on that random text. It’s a scam
Managed Payout Funds vs. Annuities: How Do They Compare?
Best Rewards Credit Cards: Top Picks for 2022
The One Place You Can Still Get a 3% Home Loan: Your Family
Frequently Asked Questions on Gift Taxes
Applicable Federal Rates - Internal Revenue Service
Should You Buy Out Your Leased Car?
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People are being hoodwinked by paid influencers on social media. Clark shares how this often works with podcasting, unbeknownst to you, the listener. Also, Amazon Prime has a new option for payment that gets Clark’s seal of approval - part of a trend of added perks for retail memberships.
Undisclosed: Podcast Influencers: Segment 1
Ask Clark: Segment 2
Amazon Prime Layaway: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The best time and place to buy appliances
A Simple Way To Help Your Kid Build Credit
Amazon Layaway: A New Perk of Amazon Prime
Amazon -Get Same-Day Delivery from your favorite retail stores
Walmart deal with Paramount gives members streaming perks
How to Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma Review: Free Credit Score and More at Your Fingertips
Do Not Give Your Social Security Number at These Places
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Saving money on streaming TV is an area of expertise at Clark.com. Clark has industry news explaining the current streaming landscape AND a new FREE Channel tool! You may be shocked to find out what free TV is available where you live. Also - Thinking of selling your home? The housing market has definitely slowed past the peak of the market. So it’s back to the normal playbook - the Clark smart way.
Streaming And Free TV: Segment 1
Ask Clark: Segment 2
Home Seller Adaptation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Housing markets are cooling so fast that they've caught some of the biggest buyers off guard
These 2 Things Can Maximize Your Chances of Selling Your House
Home Sellers Cut Prices as Housing Market Cools - The Wall Street Journal.
How Many TV Channels Can You Actually Get for Free?
Disney+ is getting more expensive... unless you want ads
The Free TV Project
Clark.com Live TV Streaming Channel Tool
Netflix on Us: We Offer this Streaming Deal with Your Plan
Mint Mobile Review: 5 Things To Know Before You Sign Up
Mint Mobile Introduces Modern Family Plans
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, overlooked and extremely important, including for college students, is renter’s insurance. Clark tells you how to get it for a DEAL. Plus, important advice on condo insurance.
Clark Stinks: Segments 1 & 2
Renters Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Career Tests Our Top 10 | Monster.com
Swagbucks Review: How Much Money Can You Make?
Heat Pump Systems | Department of Energy
Lemonade Insurance Review: How It Works, Coverage Options
Best Credit Cards for Students: Top Picks for 2022
ABLE accounts: A tax-free way for parents of disabled kids to save for the future
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The big banks persist in paying no real interest on savings. Meanwhile Clark just got 3.3% on a CD from his credit union. Several money market & online savings accounts are paying over 2%. Don’t let inertia be your enemy. Move that money. Also - what destroyed Sprint is a big lesson for companies tracking and ranking their employees. Workers should know - across industries and with the rise of remote work, comes increased use by companies of the “productivity score”.
Savings Rates: Segment 1
Ask Clark: Segment 2
Worker Productivity Scores: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Schwab Purchased Money Funds
5 Things To Know About Series I Savings Bonds
7 of the Best High-Yield Online Savings Accounts in 2022
Equifax Sent Lenders Inaccurate Credit Scores on Millions of Consumers - Wall Street Journal.
Who owns your credit score? Not you
Credit Karma Review: Free Credit Score and More at Your Fingertips
Fidelity Investments Review 2022: Pros & Cons
How to Start Investing and Saving for Retirement
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Market forces have increased supermarket costs by 13% over the past year, while restaurant price increases have gone up roughly half that. Clark shares how it can actually be more cost effective to eat out at times. Also, there’s been public backlash against airlines shrinking seat size and now there’s an FAA comment period as to whether they should regulate how much space passengers get. Clark weighs in, factoring in designer safety & comfort innovations.
Food Inflation-Supermarkets vs. Restaurants: Segment 1
Ask Clark: Segment 2
Airline Seat Size & Innovation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
WSJ.com: Southwest and Other Airlines Try Something New: Giving Passengers What They Want
When Do You Need a Travel Agent?
Here's How Easy DIY Pest Control Can Be
Pest control Archives - Clark Howard
7 of the Best Free and Cheap Resume Builders
Longevity Insurance: What Is It and Do You Need It?
How To Minimize the Damage of Unpaid Bills to Your Credit Score
12 Things You Never Knew You Could Get From Your Local Library
How To Save Money: 35 Ways To Reduce Expenses
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Reported this year - tragic loss of life due to hotel carbon monoxide poisoning. Clark has a new safety device every traveler should consider. Plus a way to avoid a massive home insurance claim. And - Find out the “mandatory option” that has sent the automotive press into outrage at GM.
2 Important Alert Devices: Segment 1
Ask Clark: Segment 2
GM Outrage: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Wirecutter: Water Leaks Destroy Homes. These Smart Gadgets Can Save Yours.
How To Pack a Carry-On the Right Way
More Airlines Are Losing Luggage. AirTags and Tile Trackers Can Help.
The Best Places To Buy Eyeglasses
4 Things To Know Before You Buy Glasses From Costco Optical
Should You Buy Out Your Leased Car?
3 Things To Consider Before You Get Solar Panels
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New meds are the most expensive ever. 8 of 13 new drugs cost over $200K per year! Clark explains how the big pharma game is played, generic vs “defensive” combo drugs & shares his workarounds for saving. Also - what we pay for cell service can make a big difference in our finances and today there are many ways to reduce cost without compromising service. Clark has great news for your wallet from 2 different cell phone brands - Verizon’s Visible and Boost Mobile.
Rx Savings Strategy: Segment 1
Ask Clark: Segment 2
2 Cell Plan Deals: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
7 Things To Know About Costco Pharmacy - Prescription Drugs
Mark Cuban pharmacy Cost Plus Drugs - CNBC - Cost Plus Drugs
Best Free Password Managers: 7 Top Picks
How to Pass on Your Passwords When You Die - The Wall Street Journal.
Visible Review: 5 Things To Know Before You Sign Up
Visible Unlimited Phone Plans | No Annual Contract
Boost Mobile Introduces New $25 Monthly Unlimited Plan
-BOOST - Unlimited Data $25/mo.
Best Cell Phone Plans in 2022: Deals for Every Budget
Get the Best Value Apple Watch Plan from Visible - $5/mo
T-Mobile Connected tablets, smartwatches, hotspots, and device data plans
5 Things To Know Before You Buy a Refurbished Phone
What Is a SEP IRA and Who Is Eligible?
Fidelity Investments Review 2022: Pros & Cons
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Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Many are choosing artificial turf for their lawns. The practice is booming worldwide due in part to extreme drought conditions. Clark gives you the pros & cons.
Clark Stinks: Segments 1 & 2
Artificial Lawns: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com - Invest & Retire
Why You Should Never Use a Debit Card To Pay for Anything
How to handle money when you're traveling overseas
Best Vacuum Sealers From Consumer Reports' Tests
Everybody Into the Hotel Pool! That’ll Be $200. - The Wall Street Journal.
“DAMAGE WAIVER FEE” AT HYATT HOTEL INVITES DAMAGE…
How to Buy a Used Car in 7 Steps
How to Deal With Medical Debt
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Inflation has made us smarter about shopping. People are changing their buying habits. Learn how much you can save buying store brands. Also, find out the average retirement age for the typical American worker - and why this terrifies Clark.
Inflation Defense: Segment 1
Ask Clark: Segment 2
Your Retirement Age: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fidelity Youth Account
How To Open a Roth IRA
The #1 Bill You Should Make Sure You Get by Mail
The Average Retirement Age in America
A Retiree Answers 11 Common Retirement Questions
5 Best Ways To Send Money Online
Wise, Formerly TransferWise: Online Money Transfers
Clark Rage: Deactivate Zelle Today
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As claims become more expensive, home and auto insurance premiums are rising. Learn how forward thinking insurers are looking to reduce the number of claims in partnership with consumers - an approach more common with business insurers. Clark shares steps you can take now to lower your costs. Also - For more than 2 generations the middle class in America has been evaporating. But there are signs of recovery. Clark describes various skilled trade categories offering great opportunity now, as labor shortages have driven up pay levels. Hear Clark’s approach to securing a rewarding career.
Insurance Costs: Segment 1
Ask Clark: Segment 2
Rebuilding The Middle Class: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Rethinking insurance: how prevention is better than a claim
How Many Credit Cards Should I Have?
How To Open a Roth IRA
Who’s Wearing $420 Men’s Socks? Baffled, We Seek Answers
Factory jobs are making a surprising comeback — and they could help revitalize America's shrinking middle class
How Much Should You Have Saved for Retirement by Now?
5 Discount Airlines You Need To Know About Right Now
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The formation of new businesses is way up. Clark is a lifelong entrepreneur. America has the resources and our greatest wealth is within us. There are actually many conditions now favorable to entrepreneurship. Learn the best & worst states in the U.S. to start a business. AND - Military personnel in a war zone face danger everywhere they turn. Outside their stateside posts, they face financial landmines from rip off lenders, crooked car dealers, investment groups, and merchants (furniture, jewelry) through exploitive financing. They get ripped off like nobody else anywhere. Clark is enlisting your help to get the word out to protect our service members from financial predators.
Entrepreneurs: Segment 1
Ask Clark: Segment 2
WARNING: Military Ripoffs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
This list of ‘top states for business in the U.S’ may surprise you
What Is an HSA Account and How Does It Work?
LIVELY HSA - Health Savings Account | HSA Benefits - Fidelity Investments
Military and Veterans Guide: Free resources for getting your finances in order
Home | The Thrift Savings Plan (TSP)
What's up with travel clubs promising free travel?
Timeshares, Vacation Clubs, and Related Scams
Equitable to Pay $50M for Misleading Teachers on Annuity Fees
What Is a 403(b) and How Does It Work?
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Bloomberg reports women working as skilled freelancers / independent contractors make half as much as men doing the same job. “The meek do not inherit a larger paycheck.” How to self advocate for fair pay. Also - America on the move: We’ve become so much more transient since COVID. Ever dreamed of moving to another town, city, or country to save money? There are numerous communities offering financial incentives to move there. Beyond that, many are moving to Europe. Before you relocate, get Clark’s one key piece of advice.
Gig Economy Pay: Segment 1
Ask Clark: Segment 2
Relocation Rule: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Buy Term Life Insurance in 7 Easy Steps
How To Open a Roth IRA
What Is a SEP IRA and Who Is Eligible?
Becoming a Landlord: How To Find a Good Tenant
How To Find a Good Moving Company - MOVING.org - UShip.com
BBB-File a Complaint
Most Medical Debt Is Being Wiped Off Credit Reports - The Wall Street Journal.
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - An uptick in crime has more people thinking about home burglar alarms. Wireless home security has made DIY installation a viable option and Clark shares a new Consumer Reports briefing to help you make the right home security decision.
Clark Stinks: Segments 1 & 2
Home Security: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Official Tablo OTA DVR Site | Over The Air (OTA) DVR | Tablo
Amazon Fire TV Recast DVR
Norse Atlantic Airways
Virtual Credit Cards: An Online Security Measure Worth Taking?
Wyze / Best DIY Home Security Systems of 2022
Here’s the most important thing you can do to avoid becoming a tax fraud victim
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Clark discusses the rationale behind Amazon’s forays into healthcare, now culminating in the acquisition of One Medical, a big national chain of healthcare clinics. The idea is to bring a multi-platform approach to better care, better follow up. Also - Recall the Hertz false arrest nightmare suffered by hundreds now seeking compensation. Clark has a follow up.
Amazon Healthcare: Segment 1
Ask Clark: Segment 2
Hertz Follow Up: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The #1 Thing You Need To Do Before You Buy a Used Chromebook
How To Bring an Old Laptop Back to Life for Free
Price-Matching Policies at Walmart, Target and Other Top Stores
Why You Need To Check Your Cell Phone Bill Every Month
4 Things To Know Before You Buy a Digital TV Antenna
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The quality of the average vehicle sold in the U.S. in recent years is the lowest since 1986! Clark explains what has led to this problem and why therein lies opportunity. Also - ships coming in have created massive surpluses among retailers. The plus for you: deals of a lifetime. Learn which categories are steals right now and how long this could go on. Inflationary pressures in many sectors of the economy are starting to ease.
WANTED: Mechanics: Segment 1
Ask Clark: Segment 2
Oversupply Bargains: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Cars Archives - Clark Howard
Clark Deals
How To Improve Your Credit Score by 100 Points in 30 Days
5 Sneaky Ways To Improve Your Credit Score
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Clark revisits retail website Wish to usher it into his “graveyard.” Prices are so cheap! What went wrong? Also, EV - electric vehicle adoption is set to climb over the next few years. But where to recharge is an obstacle for car buyers. Learn how forward-thinking gas station/convenience store operators are getting with the program to serve a growing EV market.
Website WISH: Unfulfilled: Segment 1
Ask Clark: Segment 2
Progress - EV Charging Stations: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card
What Is a Roth 401(k) and How Does It Work?
ClarkDeals - Costco
The Best Car-Buying Services in 2022
Visible Review: 5 Things To Know Before You Sign Up
Clark.com - Cell Phones
What Is an ETF?
Clark.com resources
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The hotel industry is suffering mightily from staff shortages, changing how they operate. You could get a discount forgoing housekeeping services, or be charged for it. Clark explains the owner / operator problem and what you should expect from brand name hotels moving forward. Also, the insidious cloak of mystery is about to be lifted from medical costs. 20% of our nation’s economy is eaten up by healthcare costs - by far the highest in the world. You’re on the hook for deductibles and copays. But information is power. Learn where we are now with non-emergency healthcare price disclosures.
Hotel Staffing Shortages: Segment 1
Ask Clark: Segment 2
Healthcare Cost Disclosures: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
7 Places to Get the Best Deals on Lab-Created Diamonds
How much health insurers pay for almost everything is about to go public
When does a 0% purchase plan make sense for you?
How to Stock Up in Case of an Emergency
31 Items To Pack in Your Financial Emergency Kit
How Much Cash Should You Keep at Home in Case of Emergency?
How to Find the Best Deal on Cheap Internet Service
Report: The #1 Internet Provider in America
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Word to savers - beware chasing that rate! Trying to make more on savings is leading people to make dangerous choices from financial apps and pseudo banks making unfounded promises of no risk strategies for high returns & FDIC security. What you need to know to safely stash your cash.
Clark Stinks: Segments 1 & 2
Stash Your Cash Wisely: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Online Banking Archives - Clark Howard
T-Mobile Money: 5 Things To Know
Buy Nothing Project
Life Insurance Archives - Clark Howard
Consumer Cellular Review: 5 Things To Know Before You Sign Up
Mullen: Shaping the Road Ahead in Electric Automobiles
Google Fi Review: Things To Know Before You Sign Up
The Best International Phone Plans
What Is a 403(b) and How Does It Work?
Fidelity Investments Review 2022: Pros & Cons
Best 529 College Savings Plans By State
How To Open a Roth IRA
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Labor shortages in larger airports have rendered security lines so unpredictable that people are missing flights. Clark explains how TSA PreCheck, Global Entry & Clear work, and how to get these services for free or discounted. Also - Clark discusses fake positive reviews and the recent Amazon crackdown. A new twist: Negative reviews used to extort merchants. Understand how much the review system is gamed for retailers, restaurants & hotels, and how to best use reviews.
TSA PreCheck, Global Entry & Clear: Segment 1
Ask Clark: Segment 2
Online Review Extortion: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Best Credit Cards That Pay for TSA PreCheck and Global Entry
Capital One Venture Rewards Credit Card: Travel Credit Card Review
Best Travel Credit Cards: Top Rewards Picks for 2022
The Best Credit Cards With No Foreign Transaction Fees
How To Bring an Old Laptop Back to Life for Free
What the Carriers Are Doing About SIM Card Fraud & How to Stop It
Upside Review: 6 Things To Know Before You Sign Up
Fetch Rewards: 5 Things You Need To Know To Get Free Gift Cards
3 Things To Consider Before You Get Solar Panels
6 Things To Know Before Contacting the National Foundation for Credit Counseling
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Do you know when you’re being played by sneaky product placement? Products are placed within the content of streamed TV shows and movies, and social media influencers are paid to recommend products. Know this is bought and paid for advertising - an indirect form of commercials. Also - A special warning about moving your retirement money when changing jobs. If you plan on rolling over a 401(k) into an IRA, knowing what Clark has to say about it can save you tens of thousands of dollars over time.
Ad Awareness: Segment 1
Ask Clark: Segment 2
Retirement Rollover Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a Reverse Mortgage and How Does It Work?
Clark's take on reverse mortgages
How Can a Safe Driving App Save You Money? - USAA
Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?
Best Investment Companies for Investors in 2022
CNBC: IRA rollovers often come with higher investment fees, Pew finds: Here’s how much money that costs retirement savers.
Clark.com 401(k) Rollover: How To Roll Over a 401(k)
How to Freeze Your Credit With Experian, Equifax and TransUnion
Why Clark Howard Thinks Medicare Advantage Plans Stink
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With so much economic uncertainty, should you ask for a raise to offset inflation? Dilemma: Employers are getting nervous about potential recession. So the decision to ask for a raise, to stay put or find a higher paying job is an individual assessment. Clark offers guidance to help you think this through. Also - As the Fed raises interest rates, there’s a direct effect 1 billing cycle later on your credit card rates. People have been charging more, leading to balances they can’t pay. A Clark assignment & some recommendations can help with credit card debt.
Employment Dilemma: Segment 1
Ask Clark: Segment 2
Credit Card Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The #1 Thing Clark Howard Hates About Solar Panels
Clark.com - Credit Card Debt
Budgeting & Saving Archives - Clark Howard
How to Budget With a Cash Envelope System
REAL ID | Homeland Security
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As the housing market cools, price cuts are happening around the country. A widespread buyers strike has set in. Many fear a housing market collapse as experienced 15 years ago. Clark explains why that won’t happen, and has recommendations for potential home buyers and renters. Also, a special warning about using self-checkout lanes.
HOUSING Update: Segment 1
Ask Clark: Segment 2
Special Warning: Self Check-out: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Mortgage Recast Definition - Investopedia
8 Things To Know Before Your First Trip to Aldi
The Points Guy - Maximize your travel.
These New Apps Can Help Maximize Credit Card Rewards
Best Travel Credit Cards: Top Rewards Picks for 2022
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - The average vehicle loan now is over $700 a month. 1 in 8 loans exceed $1K! Meanwhile the repo rate is rising. Why lenders are more aggressive with repossessions now and the negative domino effect. Clark’s recommendation for avoiding financial car loan disaster.
Clark Stinks: Segments 1 & 2
Of Car Loans & Repos: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a Roth 401(k) and How Does It Work?
Apple Credit Card Review: Earn Cash Back on Tech Purchases
Mint Mobile Review: 5 Things To Know Before You Sign Up
Family Phone Plans for 2+ Lines - Mint Modern Family Plan
Warning: Never Get Roadside Assistance From Your Insurance Provider
5 Things To Know About Series I Savings Bonds
Uni - One Toll Pass. 19 States.
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It’s unclear what will happen with gas prices moving forward, but prices have eased and the U.S. is leading the world in the production of energy. Clark explains the current energy market, why we see big price differences at the pumps, and saving strategies. Also - The odds are at least 50/50 we’ll have some degree of recession, as central banks worldwide work to slow economies to ease global inflation. Because capitalists hate uncertainty, some large companies have announced reduced hiring - but that’s a far cry from layoffs. Clark conveys 4 job sectors resilient against recession.
Gas Prices: Segment 1
Ask Clark: Segment 2
Recession-proof Job Sectors: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
These Credit Cards Offer Car Rental Insurance Benefits
RentalCars.com
The 4 most 'recession-proof' industries to work in, according to economists
How To Open a Roth IRA
How to Start Investing and Saving for Retirement
Fidelity Investments Review 2022: Pros & Cons
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Clark explains how Vanguard small investors got clobbered by big tax bills during a target retirement fund conversion, without even withdrawing money. Learn where to put your investments to avoid such tax hits. Also - Air travel is a flat out mess right now. Infrequent travelers are especially rattled. International travel is especially challenging. It’s taking extra days to reach destinations. As a constant traveler, Clark has several strategies to help protect your sanity during domestic & international flights and cruises.
Tax Smart Investing: Segment 1
Ask Clark: Segment 2
Strategies to Avoid Air Travel Nightmares: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Open a Roth IRA
How to Start Investing and Saving for Retirement
SpaceX and Dish’s Super-Shady War for the World
Travel Archives - Clark Howard
Eager to take advantage of the cheap euro? Check out which countries have COVID travel requirements first
Europe is on sale. Why the dollar-euro exchange rate is a win for Americans
The Best Credit Cards With No Foreign Transaction Fees
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It’s back to the gym for many after a long absence, but home fitness equipment is a super deal right now. Clark points to the savings. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free.
Home Fitness Equipment: Segment 1
Ask Clark: Segment 2
Missing Money: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Deals - Gym Equipment
Get Great Deals on Concerts, Pandora Music & More | T-Mobile
How To Find and Claim Missing Money in Your Name
What Is a Fiduciary Financial Advisor and Do I Need One?
Frequently Asked Questions on Gift Taxes
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The economy has upended the best laid retirement plans of many Americans. So what do you do right now if you are in this situation? Clark discusses a reasonable compromise to help maintain financial security. Also - Every grocery dollar is basically buying 10% less these days - UNLESS you shop differently. Clark shares his base strategies, plus - looks at a cash back app that can help you save.
Delaying Retirement: Segment 1
Ask Clark: Segment 2
SAVE on Groceries: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a 403(b) and How Does It Work?
What Are Index Funds?
5 Things To Know About Series I Savings Bonds
Major Tax-Reporting Change for Users of Venmo, PayPal and Others
8 Things To Know Before Your First Trip to Aldi
Ibotta Review: 4 Things To Know Before Earning Cash Back
SuperCook - Zero Waste Recipe Generator
Ask Clark: Should I Convert a Traditional IRA to a Roth IRA?
Clark.com resources
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. AND - For those seeking hedge alternatives to the standard investment portfolio, Clark discusses REITs, Crypto, and specifically GOLD as a safe zone. Learn Clark’s recommendations for owning gold - how much - and if gold is even a real investment.
Clark Stinks: Segments 1 & 2
Owning Gold: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases
Best Cash Back Credit Cards: Top Picks for 2022
What Is Disability Insurance and How Does It Work?
Chrome OS Flex
Is There a Safe Way To Invest in Real Estate?
What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash
7 Gold ETFs With Low Costs
Clark Howard’s Advice on Buying Gold
Best 529 College Savings Plans By State
Clark.com resources
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Clark discusses the impact of vehicle shortages & elevated costs including illegal repossessions & how to protect yourself from this, plus new ride sharing offerings. Also - Good Intentions don’t lead to results. Autopilot does. Clark makes the case for automatic saving & investing, especially for those without a 401(k).
Vehicle Cost Pressures - Market Effects: Segment 1
Ask Clark: Segment 2
Automatic For The SAVINGS: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CarMax Review: 5 Things To Know Before You Buy or Sell
Carvana Review: 5 Things To Know Before You Buy or Sell
Vroom Review: 5 Things To Know Before You Buy or Sell
Luggage Hero - Luggage Storage Near You
Checking monthly statements key defense against credit card hacks
How To Open a Roth IRA
What Are Index Funds?
What Is a Thrift Savings Plan?
Clark.com resources
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New data illustrates how people are now stretched financially, trading down retail purchases while overall, credit card debt is up. Clark shares some back to basics measures for more mindful spending. Also, current dislocations have opened up a fast growing area of abuse in the trade and technical school funding arena. What to look for - and look out for - when considering training alternatives to college.
Inflation Shoppers: Segment 1
Ask Clark: Segment 2
Training Contract Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should I Buy a Used Car, New Car or Lease Right Now?
Mint Review: 5 Things To Know About the Free Budgeting Tool
How to handle money when you're traveling overseas
The Best Credit Cards With No Foreign Transaction Fees
Don’t Get Dinged at the Gas Pump by New Visa and Mastercard Policies
Clark.com resources
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With Buy Now Pay Later, aka Pay in 4, refunds are a problem, and now Apple Pay offers it. Clark’s warning about this payment method and how to protect yourself. Also - Over 100 million Americans are burdened with medical debt. Learn how this happened, how the hospital monopoly game is played - and what your options are to avoid being crushed by medical debt.
Pay In 4 - New Warnings: Segment 1
Ask Clark: Segment 2
Avoid Medical Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Can You Use a Credit Card on Venmo?
7 Things To Know About the Venmo Credit Card
Best 529 College Savings Plans By State
What's the Best Setting for Your Thermostat During the Summer?
7 Easy Ways To Lower Your Heating Bill
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Labor shortages. reliability problems and high costs are plaguing travel this summer. But the cruise industry is seeing lower demand. Clark explains how you can get screaming deals on cruises and on certain air travel destinations. Also, over 20 million tax returns remain unprocessed. A beleaguered IRS and frustrated taxpayers - Clark recounts how we got in this awful mess and makes the case for a simplified tax code.
Travel Deals: Segment 1
Ask Clark: Segment 2
IRS Delays: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New Report: The 8 Best Cruise Lines for the Money
How To Use 'Vacations To Go' To Find Bargain Cruises
6 Steps To Getting the Best Car Rental Deal
AutoSlash Review: How to Save on a Rental Car
Follow Clark Howard's #1 Rule To Travel Cheap
Tello Mobile Review: 5 Things To Know Before You Sign Up
Tello: Build Your Own Plan
Takata recall grows by 3 million more faulty airbag inflators
How To Save and Invest the Clark Howard Way
Clark.com resources
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Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And - Many are trying to decide between renting or buying a home. It’s a true squeezeplay right now but new data sheds light on what might be the best decision. Plus, Clark provides the housing market outlook.
Clark Stinks: Segments 1 & 2
HOUSING Outlook: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com CELL PHONES
SoFi Credit Card Review: Earn 2% Cash Back
Platinum Card® from American Express Review 2022: Is It Worth It?
6 Steps To Getting the Best Car Rental Deal
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Add auto insurance increases to higher vehicle & gas prices. Collision rates and the cost of repairs are up too, factors creating a perfect storm of costs for auto insurers, in turn passed along to drivers. Hear 2 ways to lower your auto insurance premiums. Also this episode: Employers thought they’d order everyone back to office work last September. That flew out on the Delta variant. There are pros & cons to Work From Home but for most remote workers, the advantages win out. Management had best be flexible. The landscape has changed - permanently.
Shop Auto Insurance: Segment 1
Ask Clark: Segment 2
WFH: A Generational Shift: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Car Insurance Archives - Clark Howard
Credit Karma Review: Free Credit Score and More at Your Fingertips
5 Sneaky Ways To Improve Your Credit Score
Investing & Retirement Archives - Clark Howard
Clark.com resources
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Clark shares how he got started and the life lessons that motivated and inspired him to do what he loves doing today - empowering others to live their best lives. Also - you may be throwing money away with your current cell phone provider. Verizon & AT&T have been raising rates while the cost of providing service is going down. Clark gives you the lay of the land, pointing to MINT Mobile & other affordable options, and new offerings ahead. Assignment: Check your plan and choose to SAVE.
Clark BIO: Segment 1
Ask Clark: Segment 2
Cheaper Cell Phone Plans: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
About Clark Howard
Mint Mobile Introduces Modern Family Plans
Best Cell Phone Plans - Mint Mobile Review - Visible Review
Vanguard Review 2022: Pros & Cons
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
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There are ethical debt collectors, but also dirty players in the industry. Clark explains the crooked practice of refreshing the debt, and what your rights and responsibilities are. Also, no utility bills sound good? ‘Passive’ homes are ultra energy efficient, and there are initiatives that go a step beyond. People are building passive, self-powered homes with solar & batteries off the grid. We have options today, including home power from EVs. Decentralizing how we get power is great for the nation as well.
DEBT: Statute of Limitations: Segment 1
Ask Clark: Segment 2
ENERGY: Off The Grid: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Statutes of Limitations on Debt Collection by State
What Is a Good Credit Score?
Should I Pay Off My Mortgage Before I Retire?
About Clark Howard
How To Build Credit
The Kredit Syndicate (Tradelines, Credit Repair & Education) - NOT Recommended
ChexSystems - How To Prevent, Report and Repair Identity Theft
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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.
Home Building Innovation: Segment 1
Ask Clark: Segment 2
Life Insurance & Private-Equity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Frequently Asked Questions on Gift Taxes
Google Fi Review: Things To Know Before You Sign Up
The Best International Phone Plans
Explore Google Earth.
Google Maps’ new ‘Immersive View’ combines Street View with satellites
Life Insurance Archives - Clark Howard
Policyholder Information - NOLHGA.com
Indexed Universal Life Insurance (IUL) - Investopedia - NOT recommended
What Is an Annuity, and Why Does Clark Think They Stink?
What to Do if You Find an Old Stock Certificate
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark talked about the changing landscape for workers yesterday. Today, for employers - the topic is creating loyalty in a workforce. Retaining motivated employees is a big problem for companies. Clark discusses how giving employees a stake in the game makes profitable sense, and ways businesses can accomplish that.
Clark Stinks: Segments 1 & 2
Enlightened Employers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Mint Mobile Introduces Modern Family Plans
Employee-Owned Publix Offers a Lesson for Other Supermarket Chains
What Are Good Resources for Starting or Growing a Small Business? - SCORE.org
ARRIVED - empowering the world to build wealth through modern real estate investing.
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Clark talks with Charis of Clark Deals about how Amazon Prime Days 22 should measure up, the kinds of deals you can expect and competitive deals from other retailers. Also this episode, after 10 years of pathetic earnings on savings, the good side of rising rates is catching up. Clark compares big bank to online bank savings rates right now, lets you know the best saving strategies & the safest places to put your savings to work.
DEALS: Amazon Prime Days: Segment 1
Ask Clark: Segment 2
Max SAVINGS Rates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Deals - Today's Best Deals of the Day
7 Things To Know About Amazon Prime Day
Amazon Prime Day Dates Are Official, 48 Hours of 'Lowest Prices Ever' Start July 12
Generark HomePower One review - SFGATE
Best High-Yield Online Savings Accounts in 2022
5 Things To Know About Series I Savings Bonds
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
Best Cash Back Credit Cards: Top Picks for 2022
TSP Woes Continue Two Weeks After Tech Transition
Thrift Savings Plan
NFL Ticket Information
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Needed changes in education are overdue and on the way. Clark characterizes post high school ed and how economic forces unleashed by Covid are changing the equation for the better. The rise of the education consumer means relevance and connection to career will be key. Also, Clark lists the many factors contributing to the inflation testing us all - and puts it in historical perspective. This cycle has caused economic dislocations creating discounts. Learn where the deals are, and - in the price surging sectors, ways people are cutting back to offset inflation, including gas & grocery strategies.
Higher Education Transformation: Segment 1
Ask Clark: Segment 2
INFLATION: Perspective & Adjustments: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Uni - One Toll Pass. 19 States.
CELL PHONES - Clark.com
7 Things That Are Actually a Great Deal Right Now
10 Best Restaurant Apps for Fast Food Deals
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Shipping has gotten really expensive. There are now aggregators, many free to join offering special rates for shipping under their codes. Clark talks about saving on shipping for individuals and for small businesses. Also, high gas prices have upped the profile of electric vehicles. Clark gives guidance on when to buy, EV types, the dealer - manufacturer relationship, and the sweet spots for affordability in the EV market now and in the future.
SAVE on Shipping: Segment 1
Ask Clark: Segment 2
Affordable EVs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
UPS Digital Access Program Rates | Pirate Ship
401(k) Match: What Is It, How It Works
Life Insurance Archives - Clark Howard
Best Term Life Insurance Companies, Plans & Coverage
Turn off the debit function of your debit card
What's the Best Setting for Your Thermostat During the Summer?
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Overall, crypto has lost about 70% of its value. Many crypto lending organizations have gone insolvent. Digital money is a sound concept. It can eventually help eliminate the bank gouge of moving money. But as an investment? Learn why that’s gambling and Clark’s rule for moving forward. Also, the housing market has been brutal for home buyers on many levels. But the narrative is changing. Clark’s analysis includes signs the market is normalizing - and advice for buyers on today’s higher interest rates, and home values moving forward.
Crypto Crash: Segment 1
Ask Clark: Segment 2
Housing Market Changes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Open a Roth IRA
Mortgages Archives - Clark Howard
What is caller ID spoofing and how do I protect myself from it?
How To Find and Choose a Financial Advisor
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, high school, trade school and college grads have unprecedented job opportunity right now - even amid current concerns of looming recession.
Clark Stinks: Segments 1 & 2
Grad Jobs Aplenty: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Use a Debit Card To Pay for Anything
How to Freeze Your Credit With Experian, Equifax and TransUnion
Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus?
7 Ways To Maximize Credit Card Rewards in 2022
ClarkDeals
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Puppy fraud was a constant during the pandemic and continues unabated. Google is going after these scamsters, but their efforts are a drop in the bucket. This scam has worked since the days of classified print ads. Now it’s moved worldwide using fake pictures, akin to vacation rental & car scams. What you can’t see, verify. Scammers also exploit job seekers online. Those 25 to 34 - digital natives - are most likely to trust a job listing. How the scam plays, and what to know to avoid job listing scam identity theft.
Perpetual Sight Unseen Scams: Segment 1
Ask Clark: Segment 2
Job Listing Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Buy a Used Car in 7 Steps
How To Spot, Avoid, and Report Fake Check Scams
Turo: 5 Things To Know About the Cheap Car Rental Service
How to Freeze Your Credit With Experian, Equifax and TransUnion
What Is Owner's Title Insurance? 3 Things To Know
Should I Pay a Company To Lock Down My House Title or Is It a Scam?
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The inflation of 40 years ago was significantly worse than now. Clark describes the unusual distortions in today’s market, resulting in heavy discounts in some categories. Also, there’s one sector of real estate that’s discounted now - office space IF you know which type. For business owners in need of office space, hear how to take advantage of this unique opportunity.
Discount Categories: Segment 1
Ask Clark: Segment 2
Office Space Opportunity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
The Washington Post: Demand for inflation-linked savings bonds crashes TreasuryDirect website
The Mail Preference Service - Consumer Assistance
[The Washington Post] A NHTSA official spent years trying to cut road deaths. They jumped last year.
EyeBuyDirect: Glasses
The Best Places To Buy Eyeglasses
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It’s officially summer today. Get Clark smart strategies for saving money on car rentals, and learn how those under age 25 can avoid huge fees. Also, homeowners face more challenges finding quality, affordable insurance as natural disasters and the cost to rebuild impact rates all over the country. Homeowners need to face and manage risk today. Clark offers guidelines including new mapping revealing wildfire risk, and the new Federal Flood Insurance program phasing in.
SAVE on Car Rentals: Segment 1
Ask Clark: Segment 2
Risk Assessment & Homeowners Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
6 Steps To Getting the Best Car Rental Deal
5 Things to Know About the Costco Car Rental Program
The Points Guy: Hertz waives young-driver fees for new graduates — here’s how to enroll
Car Rental: Deals and Discounts | USAA
The Major Differences Between Economy, Premium Economy, and Economy Plus — and What's Right for You
How to handle money when you're traveling overseas
The Best Credit Cards With No Foreign Transaction Fees
These maps show how wildfires are changing in the U.S.—and the risk at your address
10 million US buildings face a 'major' to 'extreme' risk of wildfire. See how your home stacks up and why ownership will get more expensive.
Flood Insurance | FEMA.gov
Legit Online Surveys for Money: What I Earned
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The Economist reports that many are making a fresh start by becoming entrepreneurs. Clark describes how the climate is favorable for starting a business in so many ways. Also, there are those that have worked out a way to live on cruise ships as a retirement strategy to save on living expenses. Clark explains how this works.
Starting Your Own Business: Segment 1
Ask Clark: Segment 2
Cruise Ship Retirement: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
2022’s Best Large Cities to Start a Business
What Is a Solo 401(k) and How Does It Work?
What Is an Annuity, and Why Does Clark Think They Stink?
Google Fi Review: Things To Know Before You Sign Up
The Best International Phone Plans
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
AAA Plus Membership Benefits, Cost, & Towing Miles
How To Open a Roth IRA
What Are Index Funds?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark talks about big data and our privacy. Just as errors on your credit report can harm you, the LexisNexis system has major data on consumers that can be erroneous. If you value your privacy and the accuracy of your data, Clark has an assignment for you.
Clark Stinks: Segments 1 & 2
Your Big Data Dossier: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com - Cell Phones
Why Clark Howard Thinks Medicare Advantage Plans Stink
4 Steps To Stop Google From Showing Your Personal Information
What Is a C.L.U.E Report and Its Impact on Your Insurance
Access Your LexisNexis ® Consumer Disclosure Report
Free Online Privacy Protection - Discover
Best Online Will Maker: 5 Free or Cheap Options
Wills & Funerals Archives - Clark Howard
ClarkDeals - Nolo Promo Codes
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Clark has talked about delivery drones, driverless cars, and robots for years. Well, it’s happening for real now. Clark updates Walmart’s drone delivery efforts, Google’s Waymo cars, & GM’s Cruise operation - all part of our future. Also, the difference between Roth and traditional IRAs - a new tax issue around inheriting a traditional IRA, and what to do before you bequeath one.
Drones & Automation: Segment 1
Ask Clark: Segment 2
Traditional IRA Inheritance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Amazon, Alphabet and Others Are Quietly Rolling Out Drone Delivery Across America
Best Investment Companies for Investors in 2022
What Is a Thrift Savings Plan?
How To Open a Roth IRA
What Is a Roth 401(k) and How Does It Work?
What Is Disability Insurance and How Does It Work?
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Clark explains what is happening with gas prices at home and abroad, and suggests ways to adapt, including modification of summer travel to offset costs. Meanwhile, airfares are generally 50% higher than last year and around 25% higher than pre-pandemic, but they’re starting to soften. The state of the industry and a sweet spot in the market that can help you save, including deep discount airlines.
Gas Prices: Segment 1
Ask Clark: Segment 2
Airfare Sticker Shock: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The new Chevrolet Bolt will be the cheapest electric vehicle in the US
Best Credit Cards for Gas Rewards: Top Picks for 2022
Gas Mileage Tips - Driving More Efficiently - Fuel Economy
Travel to Japan during Covid-19: What you need to know before you go
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Yesterday we officially entered a bear market. This is not a total surprise. Clark explains how stock values are measured, how we got here economically with inflation, how this resolves and the best approach for investors. Also, new rates for borrowing for college have been published for this fall. Clark talks about the impact of student loan debt, parental guilt, & the myth of going to the “it” school. Hear Clark’s rule for student loan borrowing, and a better way to pursue an education for long term financial security.
Bear Market Perspective: Segment 1
Ask Clark: Segment 2
Student Loan News : Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
5 Things To Know About Series I Savings Bonds
Scammers are offering student loan (un)forgiveness
A college helping students avoid loan debt
9 Ways To Pay for College Without Student Loans
SoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest
Use These Tips To Pay Off Your Mortgage Early
Which Documents Should You Keep and for How Long?
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A disturbing trend - buying certain things online - sight unseen. Don’t believe what you see on the internet. It’s becoming common for people to put in offers on homes they’ve only seen online. Big mistake with houses, cars with no right to a refund, and other items. Also Clark talks new savings on TVs - with buying advice, plus free content via antennas & streaming.
Buying Online Sight Unseen: Segment 1
Ask Clark: Segment 2
SAVE on TVs & Video Content: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Free Streaming Services in 2022: Movies and TV for Cord Cutters
Ask Clark: Are those mailers advertising cheap lakefront & mountain property a scam?
SpeedTest.net
Bonds, haven for elderly and cautious, are getting torched
Denied health insurance coverage? Appeal it.
If I Use My Credit Card Through PayPal, Can I Still Earn Bonus Points?
Double dip to maximize your credit card rewards
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses the impact of world trade on our finances here. The cost of doing business for our national security - we are entering a new era of world trade alliances and strategic imports. Initially the movement of goods will be less efficient - necessary due to the geopolitical risks we face. There will be more supply chain creation here and abroad as we adapt.
Clark Stinks: Segments 1 & 2
World Trade & Strategic Imports: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
12 ways to save at Target
Target vs. Walmart price comparison: Which store is cheaper?
The Best Credit Cards With No Foreign Transaction Fees
Report: 5 Things Most Americans Don’t Understand About Social Security
23 Ways To Save Money on Gas
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Dietary supplements, vitamins and herbal remedies are unregulated. Clark clarifies which labels to trust. Learn about labels that lie vs NSF & USP supplements. Also, Clark explains how the vehicle market is progressing, including good news on the used car front.
The Safety of Supplements: Segment 1
Ask Clark: Segment 2
Car Market Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Supplement and Vitamin Certification | NSF
USP Verification Services
How to Buy a Used Car in 7 Steps
Why Are My Credit Scores Different?
Health Insurance Guide
Free COBRA Health Insurance: 3 Things To Know
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Employers have outsourced companies to handle pay advances, many of which charge junk fees. Dave is a payroll advance company that asks for voluntary tips, equivalent to paying interest. These advances can lead to a deficit spending habit. Clark offers a better way. Also, the fight to limit robocalls is showing signs of working, so scammers are moving to messaging to get at your money. What to look out for.
Perils of Payroll Advances: Segment 1
Ask Clark: Segment 2
Robocalls & Messaging Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Find and Claim Missing Money in Your Name
23 Ways To Save Money on Gas
A Simple Way To Help Your Kid Build Credit
How Does Afterpay Work?
Why 'Buy Now, Pay Later' Worries Clark Howard
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It could be a rocky summer for power blackouts and we’ve got some vulnerabilities with our energy grid around the county.. What could go wrong and ways to be prepared, including battery powered generators. Also, free stuff! How to get books, music, TV & movies LEGALLY online for nothing! See our guides listed below.
Power Outages & Generators: Segment 1
Ask Clark: Segment 2
FREE Entertainment Content: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The 12 Best Free Movie Websites for Online Streaming
11 of the Best Places To Watch TV Shows Online Free
15 of the Best Places To Find Free E-Books
11 of the Best Places To Find Free Audiobooks
15 Places To Listen to Free Music Online
Kanopy Review: How Your Library Card Provides Free Streaming
Great cancellation spreads beyond Netflix
JustWatch Review: 5 Things To Know About the Streaming App
Best Homeowners Insurance Companies and Ones To Avoid
How To Find and Choose a Financial Advisor
Ask Clark: What Is a Backdoor Roth IRA?
5 Things To Know About Series I Savings Bonds
Is There a Safe Way To Invest in Real Estate?
Clark.com resources
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Plus, there are deals to be had right now on several items we use in our lives, including mattresses. Inflation nation, Clark’s calling out the deal categories!
Clark Stinks: Segments 1 & 2
Current Deal Categories: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
2022 Top Public Colleges & Universities | US News Rankings
Vocational Training Programs by State
The Top 25 Two-Year Trade Schools: Colleges That Can Solve The Skills Gap
Florida College System
Children - Overview - Delta
Clark Deals - Mattresses
Do Not Give Your Social Security Number at These Places
Should You Buy Out Your Leased Car?
How to Save Money on Car Insurance
How to Shop for Car Insurance
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A perpetual debate: Can money buy happiness? Clark discusses survey findings on the matter and the role of money in personal freedom and happiness. Also, with concerts and events back in full swing, many aiming to get out aren’t happy with ticket prices, but understanding how the industry operates can help you save. Hear how bucket system pricing in the concert industry is based on dynamic demand - and what that means to ticket buyers.
Money & Happiness: Segment 1
Ask Clark: Segment 2
Concert Ticket Pricing : Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Thrift Savings Plan: Home
Can Credit Repair Companies Really Raise Your Score?
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Have you joined Clark's 'Ditch Your Debt' Facebook group yet?
How To Open a Roth IRA
Best Investment Companies for Investors in 2022
Checking monthly statements key defense against credit card hacks
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Memorial Day and the summer travel season is upon us. Airfares have gone way up due to pent up demand and pilot shortages forcing airlines to cut back schedules during peak season - perfect storm for your wallet. Learn essential strategies for saving more on air travel based on when and where flexibility. Another summer expense: cooling your home. With energy prices also up, Clark talks about thermostat settings, and the value of smart thermostats.
Summer Airfare Savings: Segment 1
Ask Clark: Segment 2
Home Cooling: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Best Way To Get a Flight Deal to Europe Right Now
Where You Should (and Should Not) Book Your Next Vacation
How To Find Cheap Flights in 3 Easy Steps
Hopper - Book Flights & Hotels on Mobile
Norway’s Norse Atlantic To Launch From 4 U.S. Airports, Fares From $129
CLEAR Identity Verification: 6 Things to Know Before You Sign Up / Clearme.com
What's the Best Setting for Your Thermostat During the Summer?
What Is a 403(b) and How Does It Work?
How To Open a Roth IRA
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Learn Clark’s position on crypto and why it’s not yet ready for prime time. Most people who’ve put money into crypto have lost money, either through fraud or lost value. Ultimately digital money will become part of our lives. This is the pioneering phase of crooks, con artists, speculators and believers. Also, Clark was diagnosed with prostate cancer 14 years ago. Why this can be a complicated diagnosis, new research into genetic markers, Clark’s update and how to approach a diagnosis as an advocate for yourself.
Crypto Currents: Segment 1
Ask Clark: Segment 2
Prostate Cancer Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to avoid ‘rug pulls,’ the latest cryptocurrency scam
Clark Howard and the Prostate Cancer Foundation
Deposit Insurance - FDIC
Mint Review: 5 Things To Know About the Free Budgeting Tool
Welcome to the Clark.com Community
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Clark discusses how travel insurance and cancellations generally work, and a void in the market that AMEX is filling. Then, the discussion turns to weddings, a recent low cost nuptial ceremony that went viral and cash wedding gifts.
AMEX Travel Benefit: Segment 1
Ask Clark: Segment 2
Budget Weddings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Points Guy: American Express adds new ‘cancel for any reason’ coverage option on flights
The Points Guy: Why are airfare and hotel rooms so expensive right now?
U.S. summer travelers can expect long lines, higher prices as COVID restrictions ease
1 Reason You May Not Need ‘Cancel for Any Reason’ Travel Insurance
The Best Credit Cards With No Foreign Transaction Fees
How to handle money when you’re traveling overseas
How to Plan a Trip: Clark’s Best Travel Tips to Save Money
Clark Howard's Guide to Saving Money on Your Wedding
Make Money Origami to Personalize Cash Gifts - YouTube
Clark Howard: Books - Clark Howard
Life Insurance Archives - Clark Howard
Wedding & Event Flowers - Costco Wholesale
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, jobs are abundant right now for all but the summer employment outlook has never been better for teens. There are jobs aplenty for decent pay. Plus, an important professional courtesy tip from Clark.
Clark Stinks: Segments 1 & 2
Summer Jobs for Teens: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
AAA IDP International Driving Permit
Public Service Loan Forgiveness (PSLF) - Federal Student Aid
CURRENT - Put your savings to work with 4.00% APY¹
6 Best Ways To Send Money Online
Warning: Never Get Roadside Assistance From Your Insurance Provider
What Is a Roth 401(k) and How Does It Work?
Should I Get an Umbrella Insurance Policy?
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While investment costs have never been lower, some investors pay really high costs to non-fiduciaries. Clark explains a sneaky trick involving insurance agents posing as financial advisors, and the vital, costly difference between “fee-based” advisors and fee ONLY fiduciaries. Plus - Now is the time to break with cellular inertia and shop great new options that can serve you well and save you large dollars.
Fake Wealth Advisors: Segment 1
Ask Clark: Segment 2
Cell Phone Plan Deals: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Online Brokerage Firms Struggle to Build Loyalty among Pandemic-Era Investors, J.D.Power Finds
What Is a Fiduciary Financial Advisor and Do I Need One?
What Is a 403(b) and How Does It Work?
How to Buy Term Life Insurance in 7 Easy Steps
The Best Term Life Insurance Companies
AT&T Price Hikes Coming Soon
AT&T Raises Prices on Wireless Plans to Address Higher Costs
5 Things To Know Before You Sign Up for AT&T Prepaid
Best Cell Phone Plans in 2022: Deals For Every Budget
Clark.com CELL PHONES / Clark Deals - Cell Plans
Clark.com Consumer Cellular Review: 5 Things To Know Before You Sign Up
Kroger Wireless Airtime Plans / MINT Modern Family Plan
Mint Mobile Introduces Modern Family Plans
Verizon Price Hikes Coming In June
The Verge: You can now test drive T-Mobile's 5G home internet service
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
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Learn how to save for the future when you freelance, work side hustles or own your own business and don’t have access to a company retirement plan. AND - Neglecting one simple auto maintenance step can cost you big time. Heed Clark before your road trip this summer.
Self-Employed Retirement Planning: Segment 1
Ask Clark: Segment 2
Get Roadworthy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a SEP IRA and Who Is Eligible?
What Is an HSA Account and How Does It Work?
What Is a Solo 401(k) and How Does It Work?
Medical Debt A Major Source Of Consumer Complaints, New Report Shows
Can a Patient Advocate Help With Your Medical Bills?
Clark.com Best Places to Buy Tires
Should You Buy Out Your Leased Car?
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Party rentals have become a huge problem for Airbnb, so they’re launching an anti-party crackdown. What to expect when booking - and major considerations for potential hosts. Also, there has been a lot of talk lately about student loans and the cost of college. Clark covers which degree programs have the best payback. When you can match your interests with an in-demand high-earning degree - career WIN.
Airbnb Guidelines: Segment 1
Ask Clark: Segment 2
Profitable College Degrees: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
A Simple Way To Help Your Kid Build Credit
Should You Redeem Credit Card Points for Travel Rewards or Cash Back?
How To Cancel Private Mortgage Insurance Years Ahead of Schedule
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If you feel you can serve a need in the marketplace, this is a golden era for entrepreneurs. Clark discusses the many considerations involved in starting your own business. Also, the number of people injured or killed in road accidents has gone way up. A.I. technology can prevent or reduce the severity of accidents, which involves driver tracking & control - now mandated in parts of Europe. Auto Insurance tracking is a different matter. Clark’s take on the implications of fast moving tech which - in solving one problem - may create another.
Entrepreneurs: Segment 1
Ask Clark: Segment 2
Vehicle A.I. Safety Tracking: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Save Money on Merchant Processing Fees
Creative Destruction Definition - Investopedia
How and When To Cancel a Credit Card
5 Sneaky Ways To Improve Your Credit Score
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And - Clark has a scam warning & rip off alert about travel booking, and a heads up about an emerging airline practice you need to be aware of.
Clark Stinks: Segments 1 & 2
Travel Warnings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Apple Credit Card Review: Earn Cash Back on Tech Purchases
Why Clark Howard Shifted to a Digital Wallet and You Should Too
10 Ways To Save on Prescription Drugs
Dollar Cost Averaging Makes You a Fortune Over Time
Latest Wills & Funerals
How To Find and Choose a Financial Advisor
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College isn’t the only path to success. Clark summarizes the skills education landscape including Google IT training programs. But for many, college is the path to career fulfillment. Why many are dropping out today, and ways to go the distance at lower cost and get that degree. Clark also talks about internet privacy and U.S. tech giants’ initiatives vs. Europe’s Right to Be Forgotten. Now there’s a way to opt-out of having your personal information searchable on Google.
College Dropout Rate: Segment 1
Ask Clark: Segment 2
Google Privacy Tool: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
4 Steps To Stop Google From Showing Your Personal Information
The Top 5 Benefits of Community College
9 Ways To Pay for College Without Student Loans
Where Do I Look for Affordable and Legitimate Online Schools?
7 Things to Know About Amica Insurance
Best and Worst Home Insurance Companies
Submit a complaint | Consumer Financial Protection Bureau
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The cost of solar is down 80% from a decade ago - a way to defray energy cost, along with ultra efficient HVAC systems coming soon. Ways to reduce energy consumption now include LED light bulbs, adequate insulation and smart thermostats. Also - lab created diamonds are taking off and for a very beautiful reason.
Energy Consumption: Segment 1
Ask Clark: Segment 2
Lab Created Diamonds: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Save Money on Utilities
How To Extend the Lives of These 5 Major Appliances
Driveway: 5 Things To Know Before You Buy or Sell a Car Online
7 Places to Get the Best Deals on Lab-Created Diamonds
How to Buy Term Life Insurance in 7 Easy Steps
Best Investment Companies for Investors in 2022
What Is a Spousal IRA and What Are the Rules?
Best Balance Transfer Credit Cards: Top Picks for 2022
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Two special warnings this episode - The first deals with confusion around Medicare Advantage plans, a choice many regret. Heed this warning if you or a loved one is approaching age 65. Plus, an alarming trend in mortgages and a Clark smart hard & fast rule to follow.
Medicare Disadvantage Plans: Segment 1
Ask Clark: Segment 2
Adjustable Rate Mortgages: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
AT&T Raises Prices on Wireless Plans to Address Higher Costs
AT&T raises prices of some mobile plans by $6 per month
Best Cell Phone Plans in 2022: Deals For Every Budget
Clark.com - CELL PHONES
How to Freeze Your Credit With Experian, Equifax and TransUnion
Should I Get Pet Insurance?
Should I Get a Second Mortgage?
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The big runup in gas is getting people more focused on where they buy. The market is becoming dominated by independent retailers, not the traditional oil companies. The forward thinking growth of Wawa includes charging stations. And where and how you shop for groceries makes a big difference too. Clark shares what’s getting more pricey and what’s not, and strategies for all to save on groceries, including sharing initiatives.
Wawa Expansion: Segment 1
Ask Clark: Segment 2
SAVE on Groceries: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
These 10 Groceries Items Are Getting More Expensive
22 Ways To Save Money on Groceries
Report: The Best and Cheapest Grocery Stores
Credit card companies adjust merchant fees. Consumers may pay the price
Turn off the debit function of your debit card
What Is a Fiduciary Financial Advisor and Do I Need One?
Bluebird named best banking alternative
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Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, you may be offered alternative investments from your brokerage house - private equity investments. They aren’t just for the ultra rich anymore. Why you should proceed with caution.
Clark Stinks: Segments 1 & 2
Alternative Investments: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a 403(b) and How Does It Work?
Sleep Like The Dead : Independent and Unbiased Sleep Advice
Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
Investor Tips: Promissory Note Fraud - SEC.gov
Amazon Prime Rewards Visa Review: 5% Back for Prime Members
Clark.com - Home Internet
Starry Internet | The Internet Service Provider You'll Love
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In addition to Series I Savings Bonds - Clark explains a Treasury Direct program as another risk free way to earn more on your idle cash. And - What every parent of young children should know: A new study out reveals the best baby formulas for both quality and price,
Better Savings Rates - Zero Risk: Segment 1
Ask Clark: Segment 2
BEST Baby Formulas: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
TreasuryDirect - Home / SavingsBonds.gov
How To Prevent, Report and Repair Identity Theft
How to Freeze Your Credit With Experian, Equifax and TransUnion
Turo: 5 Things To Know About the Cheap Car Rental Service
These Credit Cards Offer Car Rental Insurance Benefits
Mortgages Archives - Clark Howard
Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
Best Cash Back Credit Cards: Top Picks for 2022
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Fidelity. one of the largest and most innovative administrators of 401(k)s, is now offering Bitcoin in 401(k)s as an option for employers to add. Clark explains why this is risky, speculative and not ready for prime time. Also, tipping pressure in all new places has spread all over the country. Is this just maddening or are we finally giving employees their due?
Bitcoin in 401(k)s: Segment 1
Ask Clark: Segment 2
Tipping Point: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should You Sell or Stay Put in the Stock Market?
How to Switch Banks in 4 Simple Steps
Investor Tips: Promissory Note Fraud - SEC.gov
Account Takeover Protection by T-Mobile
How To Find and Choose a Financial Advisor
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Clark clears confusion surrounding new loan forgiveness, We’re approaching $2 trillion in outstanding student loan debt. Clark talks about how general policy should be surrounding student loans moving forward. Also, Zelle is a monster bank creation causing widespread financial hardship, getting the pushback it deserves. Clark describes how Zelle came about, the increasing problems now, and has a special directive for you no matter where you bank.
Student Loan Forgiveness: Segment 1
Ask Clark: Segment 2
A Zelle Assignment: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NATIONAL TEACHER APPRECIATION DAY
Best 529 College Savings Plans By State
Target RedCard Credit Card Review: Earn 5% Back on Purchases
The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments
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From hotels to Airbnb, the tactic of unbundling to hide junk fees has worked. People go for a low headline price, only to be charged more. Clark helps you navigate booking so you see the true price. Also, besides reducing costs for heating and cooling, there’s another area for energy savings. Free and easy ways to help cut your energy bill.
Vacation Rental Surprise Fees: Segment 1
Ask Clark: Segment 2
Extra Home Energy Savings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
See the true cost of your stay with Marriott's 'all in' pricing button
The Best Smart Plugs and Power Strips for 2022 | PCMag
5 Things To Do Before You Sign Up for a Free Trial
6 Things to Know About International Driver’s License (a.k.a. International Driving Permit)
How To Save Money: 35 Ways To Reduce Expenses
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Clark Stinks day - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Credit bureau dirty tricks of the trade include conning consumers into paying for unnecessary subscriptions or info required by law to be free. Learn how that game is played, and what to know about credit freeze and credit reports.
Clark Stinks: Segments 1 & 2
Credit Bureau Cons: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
2 ways to guarantee yourself a lifetime stream of income
Longevity Insurance Is a Smart Buy at Retirement
Should I Buy A Guaranteed Life Annuity With My 401(k) Money To Avoid Market Downturns?
7 Things To Know About Costco Pharmacy
4 Things To Know Before You Buy a Digital TV Antenna
How To Watch Local Channels Without Cable
Clark.com How To Get a Free Credit Report
Clark.com How to Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma Review: Free Credit Score and More at Your Fingertips
How To Prevent, Report and Repair Identity Theft
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A small company owned by an individual now sells 1 in 6 ready to drink ice teas in the U.S. This entrepreneur is bucking the system, maintaining a price point even as costs rise - holding to a business model that sets the brand apart. And - American charge volume on existing cards has gone up 25% over the last year, a reverse from pandemic pay offs - at a time of rising interest rates. Are you running balances you can’t pay off? Time to face the charges… Clark can help.
Brand WIN-Charging Less: Segment 1
Ask Clark: Segment 2
Credit Card Spend Spiral: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Dollar Tree Is Raising Some Prices Above $1
Battleface Travel Insurance
Why you need to turn paper statements back on
How Many Credit Cards Is Too Many?
How To Prevent, Report and Repair Identity Theft
T-Mobile Money: 5 Things To Know
Wills & Funerals Archives - Clark Howard
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Home prices remain inflated and mortgage rates are the highest in 11 years, making for an extremely difficult spring buying & selling season. Prices vary by metro area and there are places where - even today - it can make sense to buy. And from the labor force - This generation of workers speaks out and tone-deaf corporate bureaucracies would do well to listen. One of the fastest growing retailers in the US is getting hammered on social media for how they treat their workers - A warning for all business owners.
Housing Dilemma: Segment 1
Ask Clark: Segment 2
Word to Business Owners: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Does Making Your Mortgage Payments Early Have Any Benefit?
Use These Tips To Pay Off Your Mortgage Early
Homeowner Groups Seek to Stop Investors From Buying Houses to Rent
Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
Your rights when dealing with debt collectors
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People are buying homes sight-unseen. Clark conveys how this practice worked out 15 years ago, and now the stakes are much higher. Learn Clark’s new strategic advice on home buying in today’s hot housing market. Also, Costco Wholesale is a hit with the stock market, their employees and customers. What’s their secret? Hear why Wall St. used to hate their business model, but loves it now!
Buying A Home Sight Unseen: Segment 1
Ask Clark: Segment 2
The Costco Success Story: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should I Buy a House in This Crazy Real Estate Market?
The easy way to pay off your credit card debt in a quarter of the time
The TSP Mutual Fund Window Will Be Expensive
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The average Baby Boomer faces retirement with no pension and inadequate savings. Plus many got pushed out of work during the pandemic. Clark has two recommendations. Also, roughly half the nation’s states now require personal finance classes, teaching kids the basics - and the dangers of student loan debt. But financial education can start any time and is ongoing as you build your future. Clark helps you get started.
Boomer Retirement: Segment 1
Ask Clark: Segment 2
Financial Education: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
When Is the Best Time To Collect Social Security?
How to Start Investing and Saving for Retirement
Ethanol Fuel Basics - Alternative Fuels Data Center
Best Rewards Credit Cards: Top Picks for 2022
Best Travel Credit Cards: Top Rewards Picks for 2022
Why You Should Never Invest With a Bank
Best Cash Back Credit Cards: Top Picks for 2022
Select Sam’s Club Customers Can Save BIG on Gas Purchases in April
Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases
What Is a 403(b) and How Does It Work?
403bwise :: The K-12 403(b) is broken. Together we can fix it.
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Then Clark discusses a wise approach to market volatility, where to park savings for the best rate moving forward and Series I Savings Bonds.
Clark Stinks: Segments 1 & 2
Current Saving & Investing Strategy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds - SavingsBonds.gov
What Is an HSA Account and How Does It Work?
Food Expiration Dates: What You Need To Know
Do Not Give Your Social Security Number at These Places
Emergency Fund Complete Guide: How Much & Where
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Monday’s launch of the F-150 Lightning marks an inflection point in the evolving vehicle market. Clark gives an overview of the market now, and where we’re headed. Also, new cell phone offerings can save you big bucks! There’s a new low price leader for family plans well worth checking out. Google Fi Price Drops: Unlimited for As Low as $20 per Line
F-150 Lightning Launch-Auto Overview: Segment 1
Ask Clark: Segment 2
New $ Saving Cell Phone Plans: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
A Cheaper Netflix Subscription May Be on the Horizon
Clark.com Streaming TV Guide
The 5 Best Health Insurance for College Students in 2022
GOOGLE FI - Choose the right plan for you
Clark.com Review: Google Fi Review: Things To Know Before You Sign Up
Clark.com Cell Phone Guide Updated Every Month!
The Best Ways To Protect Yourself Against Airline Cancellations
File a Consumer Complaint | US Department of Transportation
What Is a Financial Advisor and Do I Need One?
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Clark weighs in on an old debate: Which is the better investment - rental property or stocks? Learn the pros and cons of each. Also, a WFH question is brewing: Should employers pay work from home expenses? Should you expect your employer to foot the bill for any of your costs?
Real Estate vs. Stocks: Segment 1
Ask Clark: Segment 2
WFH Expenses: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Pet owners, stores facing canned food shortage
Baby-Formula Shortage Prompts Rationing at Target, Kroger, Walgreens and CVS
What Are Index Funds?
A strong password isn’t enough | Here’s the best way to protect your online accounts
Best Mattress Buying Guide 2022 - Consumer Reports
Novaform 14" Comfort Grande Plus Gel Memory Foam Mattress Medium
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An upside to the labor shortage: taking your pay rate higher. Walmart’s truck driving program is just one example. But there’s something you should know about company training programs touted as “free” in various industries. Also, the CashApp data breach is huge. What information the criminals have is disturbing but there’s a Clark smart way to protect yourself.
Company Training Programs: Segment 1
Ask Clark: Segment 2
Cash App Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem.
Alaska Airlines - Flight Pass
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We tend to cycle through electronic devices too fast. Do you have old phones & other devices sitting in a drawer? Clark has advice for selling them, a subscription warning - and a general rule on how long to keep electronics. Also - High inflation doesn’t necessarily make you a sitting duck. We’re getting squeezed from all sides. Clark offers 5 steps to better budgeting & this rule to live by: It’s what you DON’T spend that counts over time.
Gadget Management: Segment 1
Ask Clark: Segment 2
Your Inflation Budget: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com The Best Places To Sell Your Cell Phone
When Will Gas Prices Go Down?
BBB-File a Complaint
3 Free or Cheap Medical Alert Systems for Seniors
Latest Investing & Retirement
Free Budget Worksheet: The CLARK Method to Create a Monthly Budget
How to Budget With a Cash Envelope System
Google Sheets: The Free Budgeting Tool You Probably Haven't Tried
6 of the Best Budgeting Apps in 2022
Budgeting Basics: What You Need to Know to Get Started
5 Ways To Start Living Below Your Means
Ask Clark: What Is a Backdoor Roth IRA?
How to Set Up a Backdoor Roth IRA - Investopedia
When Will Car Prices Go Down?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, debt collectors may soon be sliding into your texts, emails & direct messages on social media. Clark lets you know what your rights are.
Clark Stinks: Segments 1 & 2
Debt Collection & Your Rights: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
FIDELITY Security Overview
Use these security keys to lock down your computer and protect your personal info
SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know
The Points Guy - Maximize your travel.
Your rights when dealing with debt collectors
The Statutes of Limitations on Debt Collection by State
What to Do When You're Being Harassed About an Old "Zombie Debt"
How To Send a 'Drop Dead' Letter to a Collection Agency
Term Life vs. Whole Life Insurance: Understanding the Difference
Fidelity Investments Review 2021: Pros & Cons
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Clark lends perspective on today’s surging housing prices and mortgage rates and offers clear guidelines for making a homebuying decision in this difficult market. And for home buyers considering an ARM - a Clark warning. Also, as war in Ukraine affects the global energy market, the U.S remains the world’s largest energy producer. The expected economic impact at home, our energy future, and what we can control right now to save more.
Housing Decisions: Segment 1
Ask Clark: Segment 2
Energy Outlook & Strategy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should I Buy a House in This Crazy Real Estate Market?
How To Save for a House
The #1 thing you can do right now to save on energy bills
How To Save Money on Utilities
Clark Howard's 5-Step Guide To Lowering Your Monthly Bills
How To Save Money: 35 Ways To Reduce Expenses
How to Book the Best and Safest Airbnb
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RoboBurger is here! The restaurant industry must adapt to labor shortage conditions. Clark discusses how part of the solution is robotics offering machine made food and convenience. Also, props to Walmart on developing scam busting software, ultimately recovering $4 million in gift card fraud targeting the elderly. That’s a fraction of the losses caused by this long running scam and its mutations. Heed Clark’s special warning for you and your loved ones.
Order Up: The RoboBurger: Segment 1
Ask Clark: Segment 2
Elder Fraud: Gift Card Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Travel Credit Cards: Top Rewards Picks for 2022
Best Rewards Credit Cards: Top Picks for 2022
Clark.com - CREDIT CARDS
The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
5 Sneaky Ways To Improve Your Credit Score
Business & Entrepreneurs Archives - Clark Howard - SCORE: Homepage
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Mark Cuban has taken on the pharmaceutical industry. Clark discusses what he hopes to accomplish with the Mark Cuban Cost Plus Drug Company and how it can help consumers save more. Will Mark Cuban’s New Prescription Company Really Save You Money? Clark.com resources
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As people return to travel, the airlines are caught with staff shortages in all positions, canceling thousands of flights in the past few weeks. Clark has several strategies to help get you where you’re going. Plus - got coins laying around? You can help yourself and businesses at the same time. Coin Shortage: What To Do With Your Old Coins
Flight Plan Strategies: Segment 1
Ask Clark: Segment 2
Wanted: Your Spare Change: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Follow These Tips if an Airline Reschedules Your Flight
5 Things To Do if You Need To Book a Trip This Summer
Auto Europe: Europe Car Rentals $6/day! Best Rate Guarantee
Looking for Coinstar Alternatives? Check Your Local Credit Union
How Much Should You Have Saved for Retirement by Now?
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 20% of Americans now live in multi-generational households. A real opportunity that deals with the extreme housing shortage: Accessory dwellings or ADUs. Clark explains the multiple benefits this kind of dwelling can provide.
Clark Stinks: Segments 1 & 2
Housing: ADUs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Accessory dwellings get another look in tight housing market
5 Steps To Getting a Good Deal on a Hotel Room
International Travel Tips: 26 Things to Know Before Going Overseas
Is an extended warranty ever worth it?
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Financial advisors - even if you think you have a good one, you may be spending way more money than you need to. Clark makes it clear how the industry plays the game and how to protect yourself when you put your money to work. Also, we throw away a staggering 40% of the food we buy in the U.S. With grocery prices high - understanding product dates and what you should & should not pay attention to can = $avings.
Fee Only Fiduciaries: Segment 1
Ask Clark: Segment 2
Food Exp. Dates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Investment Companies for Investors in 2022
Fidelity Personalized Planning & Advice Review
Vanguard Personal Advisor Services Review
Schwab Intelligent Portfolios Premium Review
Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
What Is a 403(b) and How Does It Work?
403bwise :: The K-12 403(b) is broken. Together we can fix it.
Food Expiration Guide - Clark Howard
Live TV Streaming Channel Tool
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Clark discusses how to choose a printer for work or home, considering your usage and the high price of ink! Consumer Reports has updated the best deals on printers. Also, high gas prices have driven up the popularity of scooters and e-bikes. What to know about using these alternatives.
Best Printer For You: Segment 1
Ask Clark: Segment 2
E-Bikes & Scooters: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Can YouMail Really Put an End to Robocalls?
What Is an HSA Account and How Does It Work?
Should You Buy an Extended Warranty on Your Car?
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The pandemic reassessment of work continues to evolve, with many older workers returning to phased retirement jobs. Clark discusses the flexibility now required of both employers and workers, and the outlook for entrepreneurs. Also, the 10 states with lowest overall tax burden on middle income earners, including income, sales, & property taxes.
The New Nature of Work: Segment 1
Ask Clark: Segment 2
Tax-Friendly States: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Build Credit
The 10 Most Tax-Friendly States for Middle-Class Families
How To Open a Roth IRA
Top Travel Deals - Clark Howard
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Clark explains why you shouldn’t freak out if you get rejections from the colleges of your choice. And what to know about middle skills education and career paths. Plus, Summertime travel blues: Clark talks ways to get a deal despite rising prices & how to navigate a time when travel prices have gone crazy. Learn Clark’s prime travel rule and “the August rule”.
College Decisions: Segment 1
Ask Clark: Segment 2
Beat High Travel Costs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
9 Ways To Pay for College Without Student Loans
Best Credit Card Welcome Bonuses for 2022
Breeze Airways, Avelo Airlines Announce New Routes
JetBlue has cut or paused 27 routes for the summer amid labor shortages and high fuel prices – see the full list
Clark.com Coming Soon: Southwest Will Have a New Way To Get Cheap Airfares
Want to see Yosemite in peak season? Reservations open Wednesday
World Airline Star Rating by Skytrax
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses how to make the most of the Fed raising rates, covering credit card debt, HELOCs & mortgages, student loan rates - and the most important thing to do in a time of rising interest rates.
Clark Stinks: Segments 1 & 2
Rising Interest Rates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
Home equity loans & lines of credit: 7 common questions answered
Should I Pay a Company To Lock Down My House Title or Is It a Scam?
3 Things to Know Before Buying Owner's Title Insurance
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Clark shares back to basics info on how to shop wisely and tell what’s truly a deal and what is not - including Clark’s Amazon rule. Also, why you should be wary of scanning QR codes - A Clark scam warning.
Know Real Deals to Beat Inflation: Segment 1
Ask Clark: Segment 2
DANGER: QR Codes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How You Can Use Unit Price to Save Money When Shopping
20 Ways To Save on Amazon
Boarding the Plane FAQ | Southwest Airlines
Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society
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Clark has a special RIP OFF ALERT concerning veterans and members of our military seeking to further their education. AND - STREAMING TV: new streaming choices can save you big money.
Colleges Ripping Off Veterans: Segment 1
Ask Clark: Segment 2
New Streaming TV Savings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why Commercials Are Coming to the Biggest Streamers
Live TV Streaming Channel Tool
Best 529 College Savings Plans By State
Avalanche vs. Snowball: Which Debt Payoff Method Is Best?
6 Steps To Eliminate Credit Card Debt in 3 Years or Less
Travel Archives - Clark Howard
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The pandemic has changed costs of living around housing and transportation. Americans are on the move again. This is a time when you can do a full reset for your life, career and your wallet. This tool helps you find a place to live based on your budget. AND - Not everything is going up in price. Clark reveals opportunities in the marketplace.
Affordable Cities For Renters: Segment 1
Ask Clark: Segment 2
Where The Deals Are: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New Report: Cheapest Cities for Renters
FurnishedFinder Warning: Payment is not through the platform & thus more subject to scams
A strong password isn’t enough | Here’s the best way to protect your online accounts
New recommendation for cash on hand: $2500 per household in small bills
ClarkDeals - Laptops / ClarkDeals - TVs
5 Things To Know About Series I Savings Bonds
Dollar Cost Averaging Makes You a Fortune Over Time
How to Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma Review: Free Credit Score and More at Your Fingertips
Is your home underinsured if disaster strikes?
Homeowners Insurance Archives - Clark Howard
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Clark shares 2 new cell phone deals and then explains how he fought a 6 month battle for his wallet, and finally won. Also, Clark clears up confusion surrounding credit reporting changes on the way… A huge roadblock to good credit is being modified.
Clark’s Consumer Fight: Segment 1
Ask Clark: Segment 2
Medical Debt & Your Credit: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New AT&T Value Plus Plan: $50 per Month for Unlimited
9to5Mac: T-Mobile introduces new $10/month prepaid plan, boosts data caps for other tiers
BBB-File a Complaint
Equifax, TransUnion and Experian will soon stop counting medical debt in credit reports — now, for the bad news
What You Can Do About Medical Debt
iPhone vs. Samsung: Which Holds Its Value Better?
How to Freeze Your Credit With Experian, Equifax and TransUnion
Automatic Bill Pay: How It Works and How to Do It Safely
Is Amazon Prime Worth It for You? Take This Quiz To Find Out!
Clark Howard: Habitat for Humanity - Clark Howard
Habitat for Humanity: History - Clark Howard
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Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the state of car rental rates with predictions and tips for getting a good deal this summer.
Clark Stinks: Segments 1 & 2
Summer Car Rentals: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Earthquake Coverage - The Really Big One
Medical Receipts: HSA-Compatible FSA Expenses | WageWorks
What Is an HSA Account and How Does It Work?
19 Ways To Save at Walmart
Do Not Give Your Social Security Number at These Places
Are You Following Clark's Maximum Auto Loan Length Rule?
6 Steps To Getting the Best Car Rental Deal
Turo: 5 Things To Know About the Cheap Car Rental Service
Why You Need To Book Your Summer Travel Now
Follow Clark Howard's #1 Rule to Travel Cheap
Clark.com resources
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Clark talks taxes including why you should check your refund whether you’ve filed yet or not, and free filing. Also - Travel Riddle: when should you use your airline and hotel reward miles and points?
TAXES: Refunds & Free Filing: Segment 1
Ask Clark: Segment 2
TRAVEL: Airline Miles & Hotel Points: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Submit a complaint | Consumer Financial Protection Bureau
ReportFraud-FTC.gov - Consumer Product Safety Commission
FCC Complaints - Federal Communications Commission
What Is a Fiduciary Financial Advisor and Do I Need One?
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
Best Travel Credit Cards: Top Rewards Picks for 2022
How to Avoid Romance Scams - Clark Howard
Health Insurance Archives - Clark Howard
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Word to employers: We’re in an experimental, reset time for employees. Flex schedules and 4-day workweeks are well worth considering to improve efficiency and retention - and they’re catching on. Also, how the overdraft fee game has been played and how bank competition means game over!
The 4 Day Workweek : Segment 1
Ask Clark: Segment 2
The Death of Overdraft Fees: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
mySocialSecurity: The Free Account Everyone Needs To Set Up Before Retirement
Best home battery 2022: Top battery backup systems
Employee Stock Purchase Plan (ESPP) - Investopedia
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Opportunity knocks this summer! Whether you’re a teacher, student, or just looking to make extra money, the marketplace has taken minimum wages up and up. And parents, if you can, offer some type of match and open a Roth to incentivize the saving habit for your working teen. Meanwhile, a Giant Monster Mega Bank has done something great - really! Bank of America has a great new security center tool to help protect customer accounts.
Summer Jobs: Segment 1
Ask Clark: Segment 2
In Praise of a Big Bank!: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
BOA helps its customers protect their accounts
Do Not Give Your Social Security Number at These Places
How to handle money when you're traveling overseas
Why Clark Howard Shifted to a Digital Wallet and You Should Too
7 Free Video Call Services To Keep You Connected
What Is the Best Way To Keep Track of My Mortgage Payments?
5 Sneaky Ways To Improve Your Credit Score
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Clark offers direction for car buyers of both new and used vehicles in the market now as shortages persist. Also, Clark explains the challenges and considerations of buying a house under current market conditions.
Buying a Vehicle: Segment 1
Ask Clark: Segment 2
Buying a House: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should I Buy a Used Car, New Car or Lease Right Now?
How to Buy a Used Car in 7 Steps
Clark’s Unusual Tip if You Need To Buy a New Car Right Now
How to Buy a New Car in 5 Steps
The Best Car-Buying Services in 2022
The Best Credit Cards With No Foreign Transaction Fees
International Travel Tips: 26 Things to Know Before Going Overseas
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, If you’ve had a traditional 401(k) and now access to a Roth 401(k), Clark answers questions on handling both.
Clark Stinks: Segments 1 & 2
Traditional to Roth 401(k): Segment 3
Ask Clark: Segment 4
Mentioned on the show:
401(k) Rollover: What You Need To Know & Options
Ask Clark: Should I Convert a Traditional IRA to a Roth IRA?
Why You Do Not Want To Get a Big Tax Refund Check
Is a Safe Deposit Box Really Safe?
The National Domestic Violence Hotline
3 Things To Consider Before You Get Solar Panels
How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees
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Historically Americans are the worst savers but many improved during lockdown. Now, many are saving less and taking on more debt. Clark offers direction for resetting your goals. Plus, Tax time and Clark has info on what documents to keep and for how long, including property and business records.
Saving-Spending Reset: Segment 1
Ask Clark: Segment 2
Tax Records: An Overview: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com - CELL PHONES
5 Things to Know Before You Sign Up for Cricket Wireless
Which Documents Should You Keep and for How Long?
Follow Clark Howard’s #1 Rule to Travel Cheap
A Retired Travel Agent's Secrets for Getting the Best Travel Deals
Should You Buy Out Your Leased Car?
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Clark discusses how the war in Ukraine is affecting us all with higher energy prices, from gasoline to home energy. Learn steps you can take right now to mitigate your costs.
Gasoline Prices: Segment 1
Ask Clark: Segment 2
Home Energy Prices: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
23 Ways To Save Money on Gas
You can still find 'cheap' gas — if you know where to look
[The Washington Post] Stop speeding, get the junk out of your trunk, and other strategies to save money at the gas pump
5 Things To Know About Series I Savings Bonds
How to Save Money on Utilities
Best Online Banks: Free Checking and High-Interest Savings Accounts
How Much Cash Should You Keep at Home in Case of Emergency?
Dollar Cost Averaging Makes You a Fortune Over Time
Should You Sell or Stay Put in the Stock Market?
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Student loan forgiveness was a promise made 15 years ago to those going into public service. That promise was broken repeatedly. Clark explains what went wrong, and what’s going right now. Student loan forgiveness is much easier through September. Meanwhile, noticing possible hearing or vision problems? There are some new, convenient and often free ways to do initial testing at home - apps that can serve as an early warning system.
Revisit Student Loan Forgiveness: Segment 1
Ask Clark: Segment 2
Hearing and Vision Apps: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
Student Loans, Forgiveness | U.S. Department of Education
Borrower Defense Loan Discharge - Student Loan Forgiveness | Federal Student Aid
Best 529 College Savings Plans By State
How to Book the Best and Safest Airbnb
Eye Health Screening Apps May Signal Need for Eye Exam
The Best Places To Buy Hearing Aids
KardiaMobile EKG Monitor - Instant EKG on Your Phone
Why You Need To Re-Shop Your Car Insurance This Year
Best and Worst Home Insurance Companies
What Is a Reverse Mortgage and Is It Right for Me?
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Clark explains why you should never invest through a bank. And then there’s Wells Fargo. Their latest foray into criminal behavior involves FINRA manipulation. Plus, in a time of high inflation, understanding how retailers operate is key to stretching every dollar. In addition to shopping everyday low price retailers, learn how to make the "high-low pricing model” work for you.
Wells Fargo’s FINRA Review: Segment 1
Ask Clark: Segment 2
Offset Inflation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Buy Term Life Insurance in 7 Easy Steps
10 Best Business Checking Accounts of February 2022
The Latest from Clark Howard
Best and Worst Home Insurance Companies
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark has a health lesson for all based on a recent operation.
Clark Stinks: Segments 1 & 2
Clark’s Health Lesson: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Where To Buy the Best Cheap Printer
Evaluate Life Insurance
Why You Do Not Want To Get a Big Tax Refund Check
4 Things To Know Before You Sign Up for fuboTV
Live TV Streaming Channel Tool
Is a Costco Executive Membership Worth It?
Should I Buy a House in This Crazy Real Estate Market?
Major Tax-Reporting Change for Users of Venmo, PayPal and Others
Is There a Safe Way To Invest in Real Estate?
Report: The #1 Internet Provider in America
File a Consumer Complaint | US Department of Transportation
When Should You Get an Accountant To Do Your Taxes?
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Clark offers legitimate resources for assisting Ukraine and discusses the economic impact. Also, current new & used car pricing info and buying strategies. With the spring car buying season coming and continued high vehicle prices, enter the new Consumer Reports reliability ratings.
Ukraine: Donation Guidance and Economic Impact: Segment 1
Ask Clark: Segment 2
Update: Vehicle Pricing & Purchasing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Choose the Best Charities for Your Donations
How To Help Ukraine: Ways To Make a Donation Safely
What does Ukraine invasion mean for energy bills?
Car Prices Above MSRP Reflect Price Gouging Rather Than Inflation
NYTimes.com: As Automakers Add Technology to Cars, Software Bugs Follow
How to Sell Your Car in 5 Steps
How to Buy a New Car in 5 Steps
New Report: Top Vehicles Most Likely To Last 200,000 Miles
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Romance scams have skyrocketed with hundreds of millions lost to criminals exploiting pandemic vulnerability. And they’re stealing via untraceable fake crypto exchanges. Clark walks through how this happens so you can protect your heart - and wallet. Scam 2: Zelle, the cash payment app pushed by banks offering no consumer protections - is ripe for scammers & they’re all over it. Clark details Zelle scams and recommends one clear action to secure your account from this menace.
Romance Scams Escalate: Segment 1
Ask Clark: Segment 2
Scam Warning: ZELLE: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is Disability Insurance and Should I Buy It?
Longevity Insurance Is a Smart Buy at Retirement
The Best Time To Buy a Car
End of life body donation: Contact a university based medical center
Restricted Stock Unit (RSU) Definition - Investopedia
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The solution to the nation’s skilled worker shortage has been there all along, as more industries step up to participate in apprenticeships. New opportunities to be paid as you learn in the field and in the classroom can be found in technical college settings. Clark also explains the behind the scenes battle going on for the 20% of the U.S. economy going to healthcare. Two nontraditional players are becoming a threat to high-priced hospital based systems, providing new options of great benefit to you.
Apprenticeships: Segment 1
Ask Clark: Segment 2
Walmart & Amazon Healthcare: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Freeze Your Credit With Experian, Equifax and TransUnion
Ask Clark: What Is a Backdoor Roth IRA?
Electric Vehicle Myths | US EPA
T-Mobile Money: 5 Things To Know
Can You Really Save Money With T-Mobile Tuesdays?
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A new trick of the predatory lending trade: Banks team with fintechs to make 225% loans. Beware these online offers with hidden rates. Clark explains how this happens and what to look out for. Plus - Around 30% of people in committed relationships hide debt or money from their partners. The corrosive effects of financial infidelity and Clark smart tips to help couples navigate finances.
Predatory FinTech Loans: Segment 1
Ask Clark: Segment 2
Financial Infidelity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard's Advice on Buying Gold
2022 Hyundai Ioniq 5 Review: Hella Impressive - Roadshow
The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
Do Not Give Your Social Security Number at These Places
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, shopping internet plans and understanding the limits, fees and contracts has been very frustrating. Great news - that is about to end.
Clark Stinks: Segments 1 & 2
Internet Service: Clarity & Choice: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
8 Things To Know Before Your First Trip to Aldi
The best of Aldi's middle aisle this week! - Clark Deals
Turn off the debit function of your debit card
The Top 5 Benefits of Community College
10 Ways To Save on Prescription Drugs
The easy way to pay off your credit card debt in a quarter of the time
Credit Karma Review: Free Credit Score and More at Your Fingertips
5 Things To Know About Series I Savings Bonds
How to Start Investing and Saving for Retirement
Clark's take: Why everyone should have a dash cam
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Labor shortages are so pervasive, it will take innovation and automation to fill the gaps. Clark talks about life in a time of worker shortages, the future outlook and solutions. Plus, in the wake of the FIRE movement, Clark gets to the core of FI - financial independence, vs RE - retire early. and offers an important compromise that may serve you well.
Labor Shortage Outlook: Segment 1
Ask Clark: Segment 2
Early Retirement Compromise: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Best Uses for Your Old Cell Phone
Treasury Direct - How to track down lost savings bonds
How To Open a Roth IRA
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Severe weather can cause lengthy power outages. Clark discusses solar with backup battery power and generator use. Also, Amazon is not the bargain they used to be and is raising the cost of Prime. 2 other options for inflation weary, price conscious consumers.
Solar Backup & Home Generators: Segment 1
Ask Clark: Segment 2
Amazon Prime Vs Walmart+: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Generator buying guide: What you need to know
The Walmart+ Membership Program - 19 Ways To Save at Walmart
How Many Credit Cards Should I Have?
Target RedCard Credit Card Review: Earn 5% Back on Purchases
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Clark discusses some possible economic implications around the stock market and gas prices, as the invasion of Ukraine unfolds. Also, the AT&T 3G network shutdown has occurred with Verizon & T-Mobile to follow. Learn what services are affected and what you can do. Plus, Apple, Amazon & Google have a new standard that allows devices to communicate automatically with each other, even when from different providers. Get the good news in tech rolling out this year.
The Ukraine Invasion: Economic Effect: Segment 1
Ask Clark: Segment 2
The 3G Shutdown & A New Tech Connect Standard: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Huge Tax Bills That Came Out of Nowhere at Vanguard
Lessons From Vanguard Target-Date’s Capital Gains Surprise
What Is Synthetic ID Fraud? - Experian
How to Sign Up for Credit Karma's Free Monitoring Service
How to Freeze Your Credit With Experian, Equifax and TransUnion
9 Ways To Pay for College Without Student Loans
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Meanwhile, Covid fatigue is peaking and people are getting out more. Lots of things that didn’t happen over the last 2 years are coming back, Hear specific recommendations for booking summer travel, and wedding planning.
Clark Stinks: Segments 1 & 2
Summer Travel & Wedding Planning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Top 5 Benefits of Community College
Public Service Loan Forgiveness Program: An Overview | SoFi
Why You Do Not Want To Get a Big Tax Refund Check
The Best Places To Buy Eyeglasses
Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? - Clark Deals - BJ’s
Outdoorsy: Trusted RV rental marketplace
How to book travel on Priceline
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5 years later, the Equifax class action settlement over the massive 2017 breach - is finalized. Many are receiving claim notifications. Clark explains what this means for you. Later, great news on the cell phone front. How about free calling and texting? Clark shares industry trends involving phone contracts and a couple of great new offers.
The Equifax Data Breach Settlement: Segment 1
Ask Clark: Segment 2
Great New Cell Plan Options: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
TextNow: Get FREE unlimited talk & text with 99-cent SIM card
New ATT Plan only at Walmart $45 per mo unlimited everything
Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money
Senior Citizens Can Go to College for Free or Cheap in All 50 States
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The No Surprises Act for medical billing includes a bonus benefit most don’t know about, and it can help you save big on medical procedures. Also, great news about a new digital checking account - fee free with reward points, and more. Online Banking Archives - Clark Howard / How to Switch Banks in 4 Simple Steps.
No Surprises: A New Medical Benefit: Segment 1
Ask Clark: Segment 2
New Rewards Checking: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
Best 529 College Savings Plans By State
What Is an HSA Account and How Does It Work?
That $1,000 Bourbon You Bought May Be a Phony
IRS Free File: Free State and Federal Tax Filing Options for 2022
How To Open a Roth IRA
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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The story on gas prices - pandemic to now - explains where we are and where prices at the pump are going. There IS a bright spot on the energy front. Also, there’s been an increase in automotive fatalities in the U.S. This, along with the car shortage, is impacting auto insurers, increasing their costs. Brace for your policy renewal and use Clark’s recommended strategy.
Update: Gas Prices: Segment 1
Ask Clark: Segment 2
Sticker Shock: Auto Insurance Recommendation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Things To Know About Series I Savings Bonds
Best 529 College Savings Plans By State
What Is a Credit Union?
To sell antique items, seek out local estate sale businesses / Ebay
How To Spot, Avoid, and Report Fake Check Scams | FTC
How To Choose the Best Charities for Your Donations
Clark.com resources
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Great saving strategies to build financial independence. Step 1: Defining your goals. Also, home title fraud is a devastating crime. Learn which homes are most at risk and how to protect your property.
Saving Strategies for Financial Independence: Segment 1
Ask Clark: Segment 2
Home Title Protection: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Freeze Your Credit With Experian, Equifax and TransUnion
4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
Stripe: Online payment processing for internet businesses
Clark Howard's Important Advice on Funeral Planning
Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there have been many stories of Apple AirTags being exploited by criminals for stalking and car theft. Now comes a great story of someone using an AirTag to STOP criminals.
Clark Stinks: Segments 1 & 2
Ask Clark: Segment 2
Apple AirTags Revisited: Segment 3
Ask Clark: Segment 4
Mentioned on the show: How to Buy Term Life Insurance in 7 Easy Steps
How To Find a Good Moving Company
How To Find and Choose a Financial Advisor
EvaluateLifeInsurance.org
5 Sneaky Ways To Improve Your Credit Score
If a medical practice requires a credit card on file, use a fee-free stored value Visa or MC
Clark.com resources
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The Citi Double Cash card was simple and intensely popular. But recent changes have created confusion. You now have Thank You points - Do you still get 2% cash back? Clark explains. Also, Clark on the Frontier / Spirit discount airline merger, schedule reliability and needed consumer protections for U.S. flyers.
Citi Double Cash Visa Changes Explained: Segment 1
Ask Clark: Segment 2
The Frontier / Spirit Airlines Merger: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases
Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
How To Prevent, Report and Repair Identity Theft
How to post a hotel review online without getting any blowback
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Mark Cuban’s direct to consumer drug manufacturing company is up and running. Clark contrasts Cuban’s CostPlusDrugs and Costco pricing, to chain pharmacy pricing methods, revealing a clear way to SAVE. Also, Americans are getting seriously ripped off on auto loans. 80% of vehicle buyers purchase the wrong way - 8 million are delinquent - 46% are upside down in their loan. 2 Clark rules to live by when financing a vehicle.
Mark Cuban’s New Rx Savings: Segment 1
Ask Clark: Segment 2
AUTO LOANS: 2 Clark Rules: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Your Guide to DIY Home Security Systems
GetUpside Review: 6 Things To Know Before You Sign Up
Are You Following Clark's Maximum Auto Loan Length Rule?
How to Buy a Used Car in 7 Steps
Is LifeLock Worth the Cost?
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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As part of the evolution of evaluating credit risk, for those with no credit report Experian has a way to set up your own. Clark smart credit advice. Plus - The cruise industry is in absolute turmoil. Clark updates both the hazard, and opportunity.
Create Your Own Credit File: Sement 1
Ask Clark: Segment 2
Cruise Update: Hazard & Opportunity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Petal Card Review: A Good Option for First Credit Card?
Experian Boost Review: How 3 Bills Helped Raise My Credit Score …
How To Build Credit
Credit Karma Review: Free Credit Score and More at Your Fingertips
Top Travel Deals - Clark Howard - GoogleFlights
How To Use InsureMyTrip To Buy Travel Insurance
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
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Stocks are going through a cyclical decline and investors are nervous. Whether nearing retirement or younger, you can be positioned emotionally and financially to weather a down cycle. Also - Planning ahead for Valentine’s Day can help you save. Clark smart tips on Valentine’s gifts, and a warning about romance scams.
STOCK MARKET: Ride the Decline Fortified: Segment 1
Ask Clark: Segment 2
Valentines Day Planning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Using the Price-to-Earnings Ratio and PEG to Assess a Stock
Dollar Cost Averaging Makes You a Fortune Over Time
What Is a Roth 401(k) and How Does It Work?
Walmart Unveils New Walmart+ Membership Program
How To Opt Out of Verizon’s New Data Collection Policy
Bark: Parental Control App for iPhone, Android, & Amazon Fire
Clark.com resources
Episode transcripts
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Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - A 2022 tax year heads up for those who receive income via a pay app. What small businesses need to know about pay app income and the IRS. Major Tax-Reporting Change for Users of Venmo, PayPal and Others
Clark Stinks: Segments 1 & 2
New Tax Rule for Small Business: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Know your (new) rights under the No Surprises Act…
What the No Surprises Act means for your medical bills
AAA Membership: Is It Worth It?
UNI One Toll Pass
How To Open a Roth IRA
7 Best Ways to Save for Retirement in Your 50s
How to Reach Customer Service at Cash App, Zelle and PayPal
Clark.com resources
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Clark.com daily money newsletter
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Clark shares how & where he saves money, teaching you to crack the price label codes at warehouse clubs - Priceless! Also, What memberships & subscriptions are lurking and are you using them? Use Clark’s way to find out. $5 a month for nothing is $60 a year! Clark helps you get it back!
Clark Howard - Deal Hunter - Spills Trade Secrets: Segment 1
Ask Clark: Segment 2
Clark Smart Assignment: Restore Vanishing Money: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Costco Best Deals Sam’s Club Deals Best of Aldi’s middle aisle
Meet the Proud Shoppers of Aldi’s ‘Aisle of Shame’
These Credit Cards Offer Car Rental Insurance Benefits
BOXABL CASITA – Accesory Dwelling Unit
50 Companies with Amazing Tuition Reimbursement Programs
Best 529 College Savings Plans By State
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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Hiring a contractor is a big challenge. Angie's List - now Angi - is undertaking a new business model seeking to be a trusted resource. Clark takes a first look and discusses vetting services. Also, Clark examines the current problem of organized theft rings throughout the country, how they affect consumers, and how retailers are reorienting stores and security.
The New Angie’s List: Segment 1
Ask Clark: Segment 2
Retail & the Organized Theft Problem: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Do Not Want To Get a Big Tax Refund Check
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
Chime Review: Pros & Cons of the Bank Challenger
Best 529 College Savings Plans By State
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
The future is almost here. Today, big players are perfecting electric flying taxis. Clark discusses the market adoption and possible uses of electronic aircraft. Also, at a time of rising prices, store brands - aka private labels - have new strength in the marketplace, key for your wallet. Clark conveys the quality of various house brands and how much you can save.
Electronic Aircraft an Imminent Game Changer: Segment 1
Ask Clark: Segment 2
Beating Inflation in the Supermarket: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Here's How Easy DIY Pest Control Can Be
Autotrader: Used and New Car Sales, Review
Oura Ring - Buy used as a test drive - Clark Howard’s Oura Wedding Band
The Best Time and Place To Buy a TV
Clark.com resources
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Americans are spending more than ever on eyeglasses. Clark discusses the industry cartel at work & multiple ways you can save, and has a warning about employee vision coverage. Also, promising news about how our food is grown in the U.S. The concept of growing produce in a factory goes back a generation. But indoor vertical farming is starting to boom and the benefits are many.
Don’t Get Taken on Eyeglasses: Segment 1
Ask Clark: Segment 2
Here’s to Vertical Farming: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Roth vs. Traditional 401(k): What’s the Difference?
MaxMyInterest vs. CDARS
7 Free Federal and State Tax Filing Services for 2022
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Airport self-screening is becoming a reality. TSA screening is a tough job - crying out for modern AI tech as long employed overseas. The Dept. of Homeland Security has initiated the development of TSA PreCheck self-screening. Clark describes the benefits this will bring, and shares a Global Entry expiration warning.
Clark Stinks: Segments 1 & 2
Airport Self-Screening: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Global Entry Travelers Now Have a 24-Month Renewal Grace Period
Why You Should Be Careful About Lending Money to Family and Friends
What Is a Mutual Fund?
Fidelity Investments Review 2021: Pros & Cons
Clark.com resources
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Clark explains how virtual credit card numbers work to protect you while shopping online. Check to see if any of your cards offer the virtual number service, and make it your online card. Also, solar roof tech has progressed, offering greater efficiency and lower cost. A new development from GAF Energy brings self-powering our homes closer within reach.
Virtual Credit Card Protection: Segment 1
Ask Clark: Segment 2
Solar Shingle Innovation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Navy Federal Ups the Rewards on Its Popular Cash Back Credit Card
Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
Why Clark Howard Is So Excited About His Wedding Band
Solar | Department of Energy - State Renewable Energy Resources | US EPA
The #1 Thing Clark Howard Hates About Solar Panels
Should You Buy an Extended Warranty on Your Car?
Clark.com resources
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Netflix just went up and price increases overall for streaming services continue due to original programming production costs. Clark has a few ways to help you streamline your streaming. Also, vehicle news including the $20K Ford Maverick, help for the blinding headlights problem, and Toyota’s refurbishing program - brilliant!
Streaming Services Price Creep: Segment 1
Ask Clark: Segment 2
Vehicles: 3 Great Developments: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Ford Shuts Off Orders for New $20,000 Maverick Pickup - The Wall Street Journal.
Live TV Streaming Channel Tool
Netflix Announces Price Hike for 2022 Subscriptions
19 Ways To Save at Walmart
The Best Ways To Protect Yourself Against Airline Cancellations
Clark.com resources
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Consumer Action Center Free Helpline: 636-492-5275
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Clark describes retiree regret when resettling in vacation spots. How to avoid costly moves using Clark’s “training wheels” strategy. Plus, a look at rent or buy decision factors in today’s market. And - Many retailers & restaurants have shorter store hours & empty shelves - Clark relates what’s happening now and what’s to come. In addition, hear how corporate public relations can further botch serious corporate mistakes - case in point: Hertz.
Home Ownership vs. Renting: Segment 1
Ask Clark: Segment 2
Restaurants & Retail: Limited Hours & Merchandise: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Non-Owner Car Insurance: A Complete Guide - NerdWallet
Truebill Review: 4 Things to Know Before Signing Up
Clark's Graveyard - SunRocket Internet Phone Service – Died July 2007
IRS using identity verification: ID.ME
State unemployment claim problems: Seek help from state representative.
Clark.com resources
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Clark.com daily money newsletter
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Right now opportunities & incentives are plentiful in many sectors because of worker shortages. The military is employing retention incentives, and new recruit bonuses topping out at $50K, which may be a worthy path for some. Also, Clark reviews the pandemic effect on energy, where we are now with home energy and gas prices - and where the U.S. is headed as an energy producer.
Military Bonuses: Segment 1
Ask Clark: Segment 2
Good News on the Energy Front: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Is a Costco Executive Membership Worth It?
Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best?
Mortgage Refinance Calculator - Clark Howard
Mortgage Points Calculator - Clark Howard
Mortgages Archives - Clark Howard
Homeowners Insurance Archives - Clark Howard
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark shares news about a huge shift happening in the way cars are sold. Carmax, Carvana & Vroom have changed the game in favor of consumers, and manufacturers are duking it out with anti-competitive dealerships. A new program from GM tells the tale.
Clark Answers His Critics on Clark Stinks
Dealerships Vs. the Free Market Sale of Vehicles
Ask Clark
Mentioned on the show:
What Is a Secured Credit Card and How Does It Work?
Alliant Visa Signature Card: 2.5% Cash Back - ALLIANT
Clark Howard and the Prostate Cancer Foundation
How to Save Money on Car Insurance
9 Easy Ways To Lower Your Home Insurance Premiums
Clark.com resources
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Clark outlines several factors that lead to one conclusion: Women need to save more of their paycheck for retirement than men. Also, the banks are desperately handing out credit cards like candy now. Clark relates different scenarios based on your credit, and conveys what is core & key to keeping your credit healthy with credit card use.
Special Retirement Advice For Women: Segment 1
Ask Clark: Segment 2
Warning: Banks Pushing Credit Card Offers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Social Security: Ex-Spouse Benefits And How They Affect You
New and Used Car Reviews and Ratings - Consumer Reports
How to Buy a Used Car in 7 Steps
Clark.com resources
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Inaccuracy of credit reports is a longstanding problem. More than half of all complaints to the CFPB were about the credit bureaus, who see us as mere data points, not customers. Clark on how the system functions and how to protect your credit. Clark also describes Walmart’s new “InHome” delivery service compared to the Walmart+ option, vs Amazon initiatives. Generally Walmart is 20% cheaper on groceries so this may be viable for some consumers.
Credit Report Errors: Segment 1
Ask Clark: Segment 2
Walmart Vs. Amazon - Grocery Delivery: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Monitor Your Credit
Virtual Credit Cards: An Online Security Measure Worth Taking?
Should You Buy an Extended Warranty on Your Car?
uShip
Buying a diamond online: Have an unconditional right to return
7 Places to Get the Best Deals on Lab-Created Diamonds
Hampton woman loses $200 after buying already-activated gift card
Submit a complaint | Consumer Financial Protection Bureau
Clark.com resources
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Pandemic cruise scenarios call for a backup plan. Clark explains what can happen with cruises and with lodging cancellation policies. In this era of travel uncertainty, learn the KEY to travel planning. Also, as shipping delays persist, many customers are out their deposit money indefinitely for no show furniture & appliances. Retailer bankruptcy adds more difficulty. Clark suggests an alternative.
Travel Warnings: Segment 1
Ask Clark: Segment 2
Furniture orders & deposits in limbo: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Use InsureMyTrip To Buy Travel Insurance
The #1 Type of Travel Insurance You Probably Need Right Now
There’s a new tax rule for US small business owners. What to make of it?
What Is a Credit Union?
How To Find a Good Moving Company
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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It’s Friday! Clark Stinks day -Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this tax year will be a bit different for 2021 filings, with a special warning from the IRS. Clark shares a smart tax refund strategy, plus the outlook on inflation.
Clark Stinks: Segments 1 & 2
Tax Season Strategy & Inflation: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Barrons.com: IRS Warns Backlogs Could Cause Delayed Tax Refunds
Treasury warns of ‘enormous challenges’ this tax filing season that could delay refunds
U.S. natgas output to rise, demand to ease in 2022 -EIA
When Are Taxes Due? Important Tax Dates in 2022
7 Free Federal and State Tax Filing Services for 2022
When Should You Get an Accountant To Do Your Taxes?
Money Challenge: How To Save $2,022 in 2022
Hearing Aids
A closer look at why heat pumps are dominating EV HVAC systems
These Credit Cards Offer Car Rental Insurance Benefits
Clark.com resources
Episode transcripts
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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Verizon trades in customer data - apps, browsing etc. to sell for profit. Clark breaks down the opt-out, and suggests a cheaper way to be on Verizon’s network. // Now is the worst time to buy a car since 1946. Clark shares his best advice and the vehicle market outlook. Ask Clark topics include: How to avoid becoming the victim of credit card fraud / Why Some Stores Don’t Take Credit Cards / Ask Clark: Should I get a prepaid maintenance plan on a new car? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
More companies are offering the Roth 401(k). What you need to know about this retirement savings option. // Crooks are using Apple AirTags to track people and cars. There IS a solid way to protect yourself… Ask Clark topics include: Required Minimum Distributions: How To Calculate, Rules / How To Open a Roth IRA / AAA Membership: Is It Worth It? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
We remain in short supply of housing units, both apartments and single family homes, while housing costs continue to rise. Clark discusses how we got here and the affordable solutions out there, in need of wider adoption. // Clark explains having life insurance from work vs buying your own policy, plus direction on shopping and purchasing life insurance to protect your family. Ask Clark topics include: Is your institution 529 eligible? / What Is a Good Credit Score? / Travel Archives - Clark Howard \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The “No Surprises Act” consumer protection law is now in effect. Clark explains new consumer rights surrounding out of network medical charges, with guidance for the insured and uninsured. // The U.S. labor shortage: Clark has new stats that shed light on what’s really going on with the American workforce. Ask Clark topics include: Free File: Do your Federal Taxes for Free / Why You Should Never Go to Your Bank for Investment Advice / Best Investment Companies \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly half of us have no money for an unexpected emergency. Clark presents a road map for setting a new path for saving money, including variable weekly saving goals. Clark’s money saving challenge to you, should you choose to accept it! Clark Stinks and Ask Clark topics include: Best 529 College Savings Plans / What Is an Annuity? / Should You Buy Out Your Leased Car? / Estate and Gift Tax | IRS / How To Open a Roth IRA / Fidelity Investments Review \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
How crypto savings accounts work and why they’re risky business. Learn the Clark smart perspective on the current crypto environment. // Clark updates long-standing advice on how to avoid getting ripped off on cremation and burials. In the funeral industry, national chains have absorbed the independents, challenging prior memorial society group negotiating power. But new tools allow you to shop the marketplace for end of life services at the time of need. Ask Clark topics include: As Used-Car Prices Surge, Consider Fixing the Car You Already Own / How To Open a Roth IRA / The Best Time and Place to Buy a Mattress / 8 Things to Know About Walmart Care Clinic and Walmart Health \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark describes what Long-Term Care policies cover, how they work, when and what to buy and the hybrid policy difference. // As a Prostate Cancer Foundation board member, Clark shares insights into cancer research in general and the upcoming era of “precision medicine” - plus advocacy and research guidance for those with terminal loved ones. Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 / Best Cash Back Credit Cards: Top Picks for 2021 / Inside the Timeshare Sales Pitch \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Mary Beth Franklin is a Certified Financial Planner, financial journalist, podcaster, and author of the book “Maximizing Social Security Retirement Benefits” - joining Clark to discuss when best to claim benefits, the solvency of the program and what younger workers can expect from Social Security in the future. Investmentnews.com-MaryBethFranklin / Maximizing Social Security Retirement Benefits - eBook \ Learn more about your ad choices. Visit megaphone.fm/adchoices
A third of road deaths are associated with drunk driving. There’s new technology that may stop drunk driving in its tracks. // Are you nervous to open your credit card statements this month? If so, you’re not alone. Clarks tells how the pandemic has reshaped saving and spending, and suggests a debt resolution for 2022. Ask Clark topics include: Gift Taxes / These Credit Cards Offer Car Rental Insurance Benefits / Why you should beware of sharing a bank account with an elderly parent / Health Insurance Guide - Health Insurance Archives \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark gives the cell phone forecast AND a great deal from Boost Mobile. Also, what to know about January clearance sales. Clark Stinks and Ask Clark topics include: How To Choose the Best Charities for Your Donations - Clark Howard / Warning: Watch Out for This Retailer Pricing Trick - Clark Howard \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Teenagers are a hot market for fintechs like Square, now opening Cash App to teens. Clark shares ideas for teaching teens about money & payment apps. // Most of us aren’t great at advocating for ourselves and negotiating pay - a vital skill. It’s important to know what your job is worth and your power as an employee. Tips to help you master the art of negotiation. Ask Clark topics include: New FAFSA Removes Roadblocks for Grandparent 529 Plans / Estate Planning: Living Trusts vs. Simple Wills - Investopedia / How To Open a Roth IRA / How much life insurance do you need? - Life Insurance / Refinance Your Mortgage \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
New research confirms debt is dangerous for your health. People of various income levels can end up overextended. Clark shares the areas of most difficulty & ways to reduce costs so your wallet and wellbeing can improve. // There are several things you can do to cut the cost of relocating. Get Clark smart tips on all aspects of moving - from packing to renting a truck - to help you save no matter where you’re going. Ask Clark topics include: Should I Pay a Company To Lock Down My House Title or Is It a Scam? / 9 Reasons Why Everyone Should Use A VPN. Yes, Even Non-Techies / Is My Phone Unlocked? Here’s How To Know – iPhone and Android - Cell Phone Unlocking | FCC \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
In the battle of the investing behemoths - Clark’s “favorite children” Vanguard, Fidelity and Schwab, Clark has some pressing advice for Vanguard (who we still love!) / Many companies have used the pandemic to take away consumer rights. Corporate America has disconnected most employees and consumers from the court system. 60 million workers are now under “kangaroo court” arbitration, rigged in favor of the companies. The system is broken. Voluntary neutral arbitration is another matter. Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 - 5 Things to Know About Schwab Bank / 6 Best Background Check Services Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
If your New Year’s Resolution is to cut spending, be aware Buy Nothing Groups have been proliferating, a platform for goods people are giving away. Also there’s FreeCycle. For non-consumables, avoid paying full retail. // Do your loved ones know where your assets, accounts, and important documents are? Resolve to make sure all vital records and information is accessible to trusted loved ones just in case. Clark gets you started... Ask Clark topics include: How to avoid the Google Voice verification code scam / National Elder Law Foundation / Roth IRA Conversion Rules - Investopedia / What Is an HSA Account / Welcome to Clark’s Christmas Kids 2021 Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Special Guest, Lori, Director of the Consumer Action Center, joins Clark to discuss listeners’ top concerns. Clark Stinks and Consumer Action Center topics include: Roth IRA vs. Traditional IRA / How To Sell, Cancel or Get Rid of Your Timeshare / How to Buy a Used Car / How To Find a Trustworthy Mechanic / Customer Service Advocacy: Elliott.org / How To Open a Roth IRA / Best Target Date Funds: 3 Top Picks / Find a Financial Advisor / Is Apple Pay a Safe Alternative to Zelle? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Canal St. NYC is one thing. But be aware fake designer merchandise is being sold online - found on eBay, Amazon and vetted resale sites. // Big price hikes in homeowners insurance are happening around the country. How loyalty is penalized, and 3 guidelines for shopping insurance. Ask Clark topics include: How To Use InsureMyTrip To Buy Travel Insurance-Clark.com - Costco Travel Insurance / Should You Buy an Extended Warranty on Your Car? / How To Dispute an Error on Your Credit Report and Win / Welcome to Clark’s Christmas Kids 2021 \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Pretexting gift card scams are rampant and wildly successful for criminals. Clark describes how these scams work, and what to know to avoid getting ripped off! // Popular now, flaunting quitting a job and trashing an ex-employer. Be aware there are likely consequences down the line. You build a reputation and relationships over time. Also not classy: ghosting a job interview. Ask Clark topics include: Mortgages Archives - Clark Howard / Submit a complaint | Consumer Financial Protection Bureau / Fidelity Investments Review 2021 / Worldwide Coverage / What Is an Annuity, and Why Does Clark Think They Stink? / Find a FIDUCIARY - Clark.com \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The work-from-home boss / employee gap continues to widen. If you’ve got a work issue phone or laptop - odds are your employer is spying on you. Learn Clark smart recommendations for workers. // Traditional banking is invested in mistreating customers. The fintechs are changing that. We may be seeing the end of overdraft fees - a con which elicits your permission to rip you off. Capital One recently announced they’re eliminating this fee. New Report: Best Banks for Customer Satisfaction - Clark Howard Ask Clark topics include: Experts say the 4% rule, a popular retirement income strategy, is outdated / How to Get Free Virus, Spyware and Malware Protection / Freeze Your Credit / Welcome to Clark’s Christmas Kids 2021 \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark gives an overview of inflation including energy, food & housing, the role of the Federal Reserve and where we’re headed. // T-Mobile, once known as the uncarrier, is under new management, now lapsing into un-service. Clark discusses the cell phone industry and your best options .CELL PHONES - Clark.com - Boost Mobile: Get 12 Months of Service for $100 Ask Clark topics include: Why Did My Car Insurance Go Up? / Non-Owner Car Insurance: Who Needs It? - Investopedia / Does It Make Sense To Buy Prescriptions From Canada by Mail?
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Debt collectors now have the right to contact you on social media. Sometimes it’s a ‘phantom debt’ meaning NOT YOURS. What about YOUR rights? Clark explains how to properly shut down harassment and pay a debt to collections. Clark Stinks and Ask Clark topics include: Credit Unions / Clark Deals - Laundry Detergent / Welcome to Clark’s Christmas Kids 2021 / Fidelity Personalized Planning & Advice Review / Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity \
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Clark’s obsessed with fitness, and explains how the Oura Ring differs from other trackers, and the difference it’s made for him. // Used vehicle values are still inflated now. A vehicle coming up on the end of its lease will be worth substantially more than the residual value you have to pay. 2 ways to take advantage of this unique opportunity in the marketplace. Ask Clark topics include: Vacatia.com - Scam alert: Stay away from timeshare exit companies - How To Sell, Cancel or Get Rid of Your Timeshare / FDIC.gov \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Federal student loan payments are about to resume. It’s KEY to keep current. Hardship options are available. // Influencer advertorials have created a clear opening for scams targeting those under 30. What these schemes look like and how to protect yourself. Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / How to Refinance Your Student Loans / What Is a Reverse Mortgage and Is It Right for Me? / 5 Things To Know About Series I Savings Bonds / What Is a Spousal Roth IRA? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card offers abound right now, going after 3 target markets. Learn if you’re in their sights and how the game is played, to better protect your finances. / Do you wait until after you’ve left a restaurant, hotel or resort to leave a review - or post while there? What happened to one hapless reviewer provides a cautionary tale for all… Ask Clark topics include: CREDIT CARDS - Clark.com / BBB-File a Complaint \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
How margin investing is actually gambling - borrowing against stocks in order to buy more stocks - a huge profit center for brokerages. Clark explains how this plays, and where the danger lies. // Clark Howard - Deal Hunter, has click & collect and delivery experiences that speak to big retail competition with Amazon - and wins for consumers. Ask Clark topics include: Target Date Funds: Clark’s Favorite Retirement Investment / CELL PHONES - Clark.com / Red Pocket Deal: Get a Year of Unlimited Service Starting at $14/Month / Can YouMail Really Put an End to Robocalls? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark’s thoughts on the new COVID variant, the economy and travel. Clark Stinks and Ask Clark topics include: 7 Things to Know Before You Buy Travel Insurance / Storage Unit Insurance: What Is It and What Does It Cover? \
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The typical electric bill will be 5% higher this winter. For those using natural gas, bills are expected to be up 25 - 35% depending on location - propane even more. Clark has several suggestions to help you save. / Every time there’s a runup in home prices, people tend to take out equity. That practice is up 33% over last year. Why Clark believes this is a bad idea, and when cashing out equity is appropriate. Ask Clark topics include: How to Sell Your Car in 5 Steps / Homeowners Insurance / 9 travel safety tips to protect you & your wallet / Clark Howard: My 7 Rules for Using Credit Cards \
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Survey Says: The number 1 type identity theft is credit card fraud. Clark smart strategies to protect your wallet when holiday shopping online. // The concert business has been in turmoil since the pandemic began. Events were postponed overwhelmingly to avoid the paying of refunds. Meet a ticket seller with better options. \ Ask Clark topics include: How to sell your house by owner - Clark Howard / The power of compound interest: Earlier you save the better / Wills & Funerals \
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Clark gets into the nitty gritty of doing laundry & the best detergent buys. Consumer Reports ratings are in - how to get more for less. // We pay more for medical care in the U.S. than the rest of the world with less to show for it. Hospital systems buy up competitors and practices to reduce competition. There’s a counter move going on. How CVS, Walmart and others are making a difference in the delivery of healthcare in ways that can save you money. Ask Clark topics include: 7 Best Free Cloud Storage Options in 2021 / What You Need To Do With Your Gift Cards Right Now \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses NFTs with Team Clark’s Christopher Smith who has done really well with them. Can you get rich quick? // Tax rates on regular savings interest and on investment earnings have been adjusted for next year. Clark explains how it pays to know the difference and save accordingly. Ask Clark topics include: 3 Rules for Buying Gold - Clark’s #1 Rule on Investing in Things Like Gold, Marijuana and Bitcoin / Investing in real estate can be a lot simpler than you think / How To Prevent, Report and Repair Identity Theft / How to counter lowball offers from auto insurers after your vehicle is totaled \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The big box retailers are better stocked for Christmas than anticipated. Inventory and sales are up. Clark lets you know what’s a deal and what’s not right now. The market never stops changing - how to be flexible in a time of rising prices. Clark Stinks and Ask Clark topics include: Costco membership deal: Save up to $30 with a new Costco membership / Best Cell Phone Plans and Deals in 2021 / Mean Reversion Definition - Investopedia / IRS Announces 401(k) Contribution Limit Increase for 2022 \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
A USA Today investigation found 121 recalled or banned toy products, some of which have had fatal consequences, sold on Facebook Marketplace with no oversight. This is not unique to Facebook. The U.S. gov is suing Amazon for selling dangerous products. What to know and look out for from these and other marketplace sellers. // Americans are a generous people, and the season of giving brings out the scammers to exploit this virtue. The many ways they rope you in and what to know before you give. Ask Clark topics include: What Is an HSA Account? / What Is a SEP IRA and Who Is Eligible? / Best 529 College Savings Plans / How to Find a Geriatric Care Manager \
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Holiday package thieves are a real problem and delivered goods will be priced higher than picked up merchandise. Clark discusses the advantages of “click & collect” and Amazon lockers / In modern media, the traditional wall that separates advertising from content has broken down in every format & platform. A con artist posing as a Texas financial radio host stole millions from listeners. It’s vital to know what’s going on behind the curtain. Paid media is everywhere. Clark discusses what to watch out for when consuming radio, TV, newspapers & periodicals, websites, social media et al. Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One? / Mean Reversion Definition - Investopedia / How To Sell, Cancel or Get Rid of Your Timeshare / Should I Pay Off Debt, Save Money or Invest? / Should I Pay Off My Mortgage Before I Retire? \
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“Skimpflation” is a form of hidden tax via customer no-service, with companies cutting corners in almost all sectors. Surviving businesses are dealing with increased demand and labor shortages - another dislocation to work through in the economy. // While spending billions on non-stop ads, the traditional market-driven insurance industry is being turned on its head. New companies like Lemonade and Root begin with trust and simplicity. It’s working. Ask Clark topics include: GetUpside Review: 6 Things To Know Before You Sign Up / Best 529 College Savings Plans By State \
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It’s the time of year to make elections for your retirement accounts. News on next year’s new income and contribution limits for retirement accounts and tax implications moving forward. / Zillow is out of the home buying business, but other iBuyer companies are still thriving. Industry update and when & where using an iBuyer makes sense for home sellers. Ask Clark topics include: Amount of Roth IRA Contributions That You Can Make For 2021 / Ask Clark: What Is a Backdoor Roth IRA? / SIPC - Securities Investor Protection Corporation / A strong password isn’t enough | Here’s the best way to protect your online accounts \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The final phase of pandemic relief allows for lower premiums, more subsidies and smaller deductibles on health insurance for qualifying individuals and families for 2022. Revisit Healthcare.gov to enroll by Dec. 15. Clark explains Medicare Advantage plans & the upcoming surprise medical billing law. We’ll need to know our rights and how to use them. Clark Stinks and Ask Clark topics include: Apple Pay and Apple Cash Review - NerdWallet / Health Insurance Guide / How To Send a ‘Drop Dead’ Letter to a Collection Agency / My Dad Is Retiring But Plans To Continue Working Part-Time. How Can We Help Him Access His Benefits? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Supply chain issues, shipping delays, and higher prices - NOT a few of Clark’s favorite things. Sale cycles are underway already and December will be expensive. Clark Smart holiday shopping guidance. Clark Deals Black Friday / A Fidelity study shows women investors on average earn superior returns to men. Why the difference? Ask Clark topics include: How to Buy a House in 9 Steps / Mortgages Archives - Clark Howard / 31 Items To Pack in Your Financial Emergency Kit \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Car repair rip offs are a long term, terrible problem, increasing during today’s car shortages. How to prevent car repair nightmares and what to do if you are stuck in one. / The nation’s banks have not been kind to small business, and now this market is going through the early stages of disruption. Better options for business banking from fintechs. Ask Clark topics include: 5 Things To Do Before You Sign Up for a Free Trial / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / How to Buy Term Life Insurance in 7 Easy Steps \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Series I Savings Bonds are paying 7.12% interest for the next 6 months. Clark explains how long these bonds must be held and how they work. Recommended. / Are those “free” phone offers really worth it? Clark explains what it’s really costing you. Best Cell Phone Plans and Deals in 2021 Ask Clark topics include: Wills & Funerals Archives / How To Open a Roth IRA / File a Complaint | Better Business Bureau / 6 Things To Know Before You Sign Up for Visible / iPhone 13 Deal: Get $200 + HomePod Mini With Visible / Clark Deals - Phones - Clark Deals - Phone Plans \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Would you like some crypto with that Whopper? Crypto mania has reached an all time high. Clark on the Burger King - Robinhood crypto tie-in. Electronic currency is a valid concept for moving money more efficiently around the world. So what’s the problem? You deserve a Clarksplanation. / Carvana’s under review in several states over title & registration paperwork issues - what car buyers need to know. Also - the 10 cars most likely to get speeding tickets have one common thread…. Ask Clark topics include: Co-signing a loan / What Is a Good Credit Score? / What Is Swapalease and How Does It Work? - LeaseTrader.com / Kardia.com - AliveCor: EKG Anywhere, Anytime \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some airlines have had periods of complete chaos of late. What’s behind the meltdowns, a notable exception, and a warning about online travel reviews. We’re entering a very popular travel season- Clark smart booking advice. Clark Stinks and Ask Clark topics include: Best Rewards Credit Cards: Top Picks for 2021 / These Credit Cards Offer Car Rental Insurance Benefits / Follow Clark Howard's #1 Rule to Travel Cheap //
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The K Economy: A significant portion of the population thrives, while many others struggle mightily. Meanwhile nearly 70% worry about their kids falling behind as education has also suffered during the pandemic. So what’s the good news? Clark points to opportunity. // A LendingTree study of debt collection complaints reveals that most involve fraudulent or mistaken debt. There’s also nonexistent or fake credit card debt. It’s crucial to know and exercise your rights with debt collectors. Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service - Should I Become a Turo Host With the Increased Demand Right Now? / Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards / What Is Disability Insurance and Should I Buy It? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Robocalls may have started declining due to number verification to thwart spoofing. So crooks are moving on to text scams. These are coming at you fast and furious. What to look for so you don’t download a virus. // Are you feeling burned out at your job? More than half of workers don’t take all their PTO. What!? Clark’s annual plea for your good health, happiness AND better productivity at work. Ask Clark topics include: What Is an HSA Account / Index Funds / Is Apple Pay a Safe Alternative to Zelle? / How to Plan a Trip: Clark’s Best Travel Tips to Save Money \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Americans are living longer. At the same time, we want to retire earlier. Clark wisdom for those ages 20 to 45 about what it takes to be FI (Financially Independent) in the back third of life. // An outrageous grocery charge you have to hear to believe - and how to protect your wallet from this kind of banking trainwreck. Ask Clark topics include: How Does Airbnb Work for Hosts? / How to Buy a Used Car / Clark.com - CELL PHONES / 31 Items To Pack in Your Financial Emergency Kit \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The work from home genie is out of the bottle. Employees have left the building. And yet, nearly half of execs want them back in the office 5 days a week. Check the quit rate, boss. People have the power now. Clark smart executive direction. / Housing: Our number 1 expense. Clark covers the latest developments and how they affect your wallet now and in the future. Ask Clark topics include: VENMO Identity Verification / Is It Better To Buy a New or Used Car in the Current Market? / New and Used Car Reviews and Ratings - Consumer Reports / Clark’s Best Travel Tips to Save Money / What Is an Annuity? / Choose a Financial Advisor / The Best Credit Cards With No Foreign Transaction Fees \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The Holiday shopping season has morphed to spread out the sales calendar for greater efficiency. The pandemic has accelerated that process. Now pre-Halloween, sales are underway. Clark points to a few so you can SAVE MORE. The biggest deals will come before December. Clark Stinks and Ask Clark topics include: Costco Auto Program: New & Used Car Buying Service / ALLIANT Your everyday cashback credit card / Travel Insurance / Best Travel Credit Cards: Top Rewards Picks for 2021 / What Is an HSA Account and How Does It Work? / Is 65 the Best Age To Retire? / Will I Still Get the 5.9% Increase if I Wait To Collect Social Security? Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
There are 2 major factors that inform why people choose to move from one state to another. California and Texas are a case in point. // Clark shares an idea that may shift the way you think about retirement savings - at any age. Ask Clark topics include: What Is a 403(b) and How Does It Work? / How to Buy a Used Car in 7 Steps / Best and Worst Auto Insurance Companies / Best and Worst Home Insurance Companies / Ask Clark: What Is a Backdoor Roth IRA? / What Is an HSA Account and How Does It Work? \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The investing price wars continue, giving you more choice in the marketplace. You’ll end up with 50% more money for retirement being with a low cost provider. A full commission stock broker is pitching something that may sound like a good idea. Clark’s not buying it, and neither should you. // Disney uses dynamic demand pricing which can help regulate crowd size. Now they have a new planning app called Genie. What it does, and what it costs. Ask Clark topics include: Fiduciary Financial Advisors / Find a Financial Advisor / Best Financial Advisors in 2021 / Roth IRA for Kids - Fidelity / SIM Card Swapping / Business Insurance / How to Buy Term Life Insurance / These Credit Cards Offer Car Rental Insurance Benefits \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
$40 vs $330 for the same Rx?! GREAT news on a couple of subscription programs that can save you big bucks. // Why Wall Street loves Best Buy’s new membership program for tech support and the value of membership. Ask Clark topics include: 10 Ways To Save on Prescription Drugs / Canadian International Pharmacy Association / How to Buy a Used Car in 7 Steps / Cell Phones & Smartphones for sale | eBay / OnePlus Nord - OnePlus (United States) - OnePlus Nord Series / Tempted by timeshares? Heed Clark's advice \
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Restaurants and the service industries overall are enduring severe labor shortages for all to see. This is creating high anxiety. Patience is a virtue. / 16 years into telematics, only 2% of drivers allow themselves to be tracked. Do you want your every move tracked while driving? How one major insurer is pushing for it, plus, a tale of Tesla’s driver-assist testing. Ask Clark topics include: Why You Should Never Use a Debit Card To Pay for Anything - Clark / Submit a complaint | Consumer Financial Protection Bureau / 6 Best Ways To Send Money Online / Term Life vs. Whole Life Insurance / The Best Term Life Insurance Companies / MyChart | Powered by Epic / How To Prevent, Report and Repair Identity Theft \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Why Clark loves our largest domestic airline - Southwest, what’s going on with the recent meltdowns, and Clark smart advice for travelers. Clark Stinks and Ask Clark topics include: Social Security / CREDIT CARDS - Clark.com / 5 Steps To Getting a Good Deal on a Hotel Room / Wawa Launches “Tap, Pay & Save 15 Cents Per Gallon” with the Wawa App through Oct. 31 \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The disappearance of cash brings new ways to tip - and challenges teaching kids about money. // The average bottled water drinker spends $1400 a year on bottled water - which may not be as safe as tap water! And bottled water IS overwhelmingly tap water! Clark explains - and suggests a WAY cheaper middle ground solution. Ask Clark topics include: What Is a Backdoor Roth IRA? / MTurk Review: How to Make Money Online With Amazon Mechanical Turk - Survey Junkie Review: 3 Things to Know Before You Sign Up / Trust Definition - Investopedia / Best Investment Companies for Investors in 2021 - Clark Howard \
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How many times do you pick up your smartphone each day? Surprising statistics about how much we’re engrossed in these devices, and something else to think about. // Both Androids & iPhones are being invaded by various types of malicious apps. 10 million got hit with fake charges on their cell phone bills. Learn the number 1 way to know a rogue app is lurking & how to protect yourself from this growing type of spyware. Ask Clark topics include: What Is a 403(b) / Umbrella Insurance / 401(k) Rollover / How To Find and Choose a Financial Advisor / How to Protect Your Phone Against a SIM Swap Attack | WIRED / CDARS® has been renamed IntraFi Network Deposits. / Clark Deals 2021 Sweepstakes
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If you’re willing to pivot for credit card perks in the marketplace, it’s a win. Learn about new Amex and Navy Federal offerings. / $500 a year for a credit score subscription!? No. DO NOT allow anyone to rip you off for credit monitoring, reports or scores. Clark reveals secrets about the business, including how you can get all that info for FREE.
Ask Clark topics include: 6 Tips for Hiring a Contractor - Cnet - Working with contractors: How to hire a qualified pro / MDsave.com Shopping online for healthcare has arrived. / Clark Deals 2021 Sweepstakes / Best Cell Phone Plans and Deals in 2021 / Save up to $20 with a new Costco membership \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Learn how insurers are using AI, drones and robots to assess auto and property claims. This brings up concerns you need to know about. // Uber & Lyft costs are up by 1/3rd on average. Surge pricing makes these rideshare costs unpredictable. You’re not a sitting duck. Clark mentions several alternatives. Ask Clark topics include: 2021 Toyota RAV4 Prime Road Test - Consumer Reports / The 3 Truths of Wealth Creation - It's OK to splurge on things important to you, even when saving for retirement - Clark’s addendum: CORE & KEY: Live on less than what you make. Investment savings need to stay on target for retirement. / The Clark.com editorial process. \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Holiday shopping - in October? Several factors make that a good idea this year, including current deals. Clark Stinks and Ask Clark topics include: The Free Account Everyone Needs To Set Up Before Retirement / Read This Before You Sign Up for Health Insurance at Work / How to decide if medical tourism is a viable option for you / The 14 Cheapest and Best Grocery Stores / Report: The #1 Supermarket for Customer Satisfaction - Automatic Bill Pay: How It Works and How to Do It Safely \
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The promise of public service student loan forgiveness made 14 years ago has been grossly mismanaged, cheating compliant service workers. That injustice is being overturned with new federal regulations going into effect. Stand By! Clark’s guide is forthcoming involving an October deadline. // More Americans are living at or near a coast. Learn how the Federal Flood Insurance Program has worked, and how it will change moving forward. New rates are being implemented and you should know how they will affect you, depending on risks. Ask Clark topics include: Why Airlines Can’t Stop Rewriting the Rules for Fliers / BANKS & Banking - Clark.com / What changes at Credit Karma Tax now that we are a Cash App product? / Where Is My Passport? / This Decision Could Increase Your Social Security Benefit by 8% Each Year / Clark Deals 2021 Sweepstakes \
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Elder fraud comes in many forms. The numbers are astounding. AARP reports 5 million elderly Americans have money stolen each year. Average amount: $120,000. They can’t recover from that kind of loss. How we all can do a better job of communicating with and protecting aging family & friends. // Flying electric taxis for regional transportation are being adopted in São Paulo, Brazil. These helio-plane hybrids are an affordable, quiet, efficient solution. Air taxis! How soon will we see such progress? - A Clark Prediction.
Ask Clark topics include: Extended Car Warranties / Term Life Insurance / National Foundation for Credit Counseling / The 3 Best Ways to Consolidate Credit Card Debt – And 2 Ways to Avoid It \
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Both oil and natural gas are in short supply, with prices going up. How to save on gasoline and home energy. // Social Security has an embedded base of support, so it will continue in some form, based on your highest 35 year earnings. Clark shares why and how you should monitor this future source of income starting at age 30 - a simple but very important task. Ask Clark topics include: Energy Sage: SRECs: understanding solar renewable energy credits / Best Generator Buying Guide - Consumer Reports / Financial Advisors / When Is the Best Time to Take Social Security? - Maximize My Social Security \
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We’re used to everything always being available. Clark explains we’re back to historical patterns, supply chain disruption and distribution tendencies for the duration. No need to panic buy, just flex. // It’s open enrollment time for many company health insurance plans. What you should know about HSA high-deductible health plans, how to decide which plan is best for you AND - disability insurance. Ask Clark topics include: Diamonds - buy used - 7 Places to Get the Best Deals on Lab-Created Diamonds / Consumer Reports - Guide to Cars With Advanced Safety Systems / Password Protect Your Phone - How To Create a Safe Password / T-Mobile Home Internet Service - Verizon 5G Home Internet - Cheap Internet Service \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Pandemic burnout has prompted many to re-evaluate their life and careers. Close to half of new business owners now are women. The economics of this development and the opportunities it presents. Clark Stinks and Ask Clark topics include: Hearing Aids / What Is a 403(b) and How Does It Work? / File complaints with your State Consumer Affairs Department (if your state has an active one) / How to Spot and Avoid Scams on Facebook and Instagram / IRS - Coronavirus-related relief for retirement plans and IRAs questions and answers \
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1 in 4 houses are being bought cash only. Sellers want certainty. Clark shares a new way some companies are helping home buyers win the bidding wars. // Microsoft is eliminating passwords. Amazon is experimenting with biometrics for concert entry. Biometrics are here to stay and passwords will be a thing of the past. Ask Clark topics include: These Airlines Are Extending Credits Into 2022 / Cemetery Plot Buying and Selling / Charles Schwab Bank Debit Card \
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529 Plans are getting better overall. But there are 2 types: direct sold, and rip offs.. Due to massive fees, you can end up with less than you put in. Know the only kind to buy: Best 529 College Savings Plans By State // 70% of the jobs of 20 years from now do not exist today. The market never stops transforming. Clark shares which careers make sense for the future. If you’re in an industry in decline, consider how to use your skills another way. Ask Clark topics include: Apple Pay / Zelle fraud emergency kit and FAQ - BobSullivan.net / 5 Things To Know Before You Buy a Refurbished Phone / SIPC - Securities Investor Protection Corporation / IRS IRA Contribution Limits / Thrift Savings Plan (TSP) \
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Due to extreme weather patterns, homeowners insurance is becoming a more difficult purchase. Underwriting can vary greatly from one insurer to another. New considerations for home buyers & why shopping home insurance is more important now than ever. Plus, 3D printed homes are weatherproof, cheaper & quicker to build. // Sick of getting junk robocalls about your extended warranty expiring? You are not alone! What you need to know about this ongoing, widespread scheme. Ask Clark topics include: When Should You File a Claim on Your Homeowners Insurance? / Federal Agencies Release Interim Final Rule to Implement the No Surprises Act / Should You Buy an Extended Warranty on Your Car? / 403(b)s / Google Flights - Hopper - Skyscanner \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
An important warning for those in the market for a used vehicle, and how buyers must protect themselves. Also, there will be new e-vehicles in the marketplace, sold direct. What that means for buyers. // Recent wide swings in the stock market have sparked fears among investors. Various factors have created a “wall of worry”. The problem with getting out of the market, and the right questions to ask yourself to be in the game - prepared. Ask Clark topics include: How does HomeAdvisor work for contractors? / What is an UGMA or UTMA account? - Best 529 College Savings Plans By State / Trust & Estate Planning / What Is a Financial Advisor and Do I Need One? - How To Find and Choose a Financial Advisor / SPLITWISE: Less stress when sharing expenses / BBB-File a Complaint \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / You may be tempted to accept an exclusive invitation to a financial seminar that includes something fancy like a free steak dinner. Clark tells you why you need to cook at home that night instead. Clark Stinks and Ask Clark topics include: What Is Your Flood Risk on a Scale of 1–10? / Clark’s App Warning for iPhone and Android Users / Should I Convert a Traditional IRA to a Roth IRA? / 7 Things to Know Before You Buy Travel Insurance / Elon Musk says Starlink internet will exit beta status next month / T-Mobile Expanding 5G Network To Offer New Home Internet Service \
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Good news for small business owners about the SBA loan program, including applying for PPP loan forgiveness. // 401(k)s have 2 different kinds of fees, one of which most participants are unaware of - the cost for the investments plus administration fees, which can be high. Who pays? Ask Clark topics include: Best Investment Companies for Investors in 2021 / Why Vacation Clubs are worse than timeshares / Should You Manage Your Own Investment Portfolio? - The Bogleheads' Guide to Investing / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Credit Karma Review: Free Credit Score and More at Your Fingertips - How To Monitor Your Credit \
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We know cars are overpriced and hard to get right now - allowing time to research your next buy for when the market improves. Clark looks into the initial quality of new cars - and the types of both cars and appliances that are generally most reliable. // The yen to invest is taking hold with advice coming from everywhere. Why this is both great and terrible. Many are basing investment decisions on social media influencers’ advice. Pause with Clark to reflect on this…. Ask Clark topics include: How Much Is My Used Car Worth Right Now? / TRAVEL CLArchives / Best Buy Tech Support / Kids and Teen Savings Account | USAA \
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Health trackers are approaching the mainstream for general health monitoring. Clark talks about his devices and what’s on the horizon. // Almost half of Americans have used buy now, pay later services. What could possibly go wrong? Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Loyalty fraud is on the rise — here’s what happens when your points are stolen / Is a Cash-Out Refinance Right for You? / Home equity loans & lines of credit / A factory-built home as a means to affordable housing / The 4 Insurance Policies You Actually Need / Term Life vs. Whole Life Insurance - EvaluateLifeInsurance.org \
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Crypto is taking all shapes and forms now, including being used for risky borrowing and lending. This is in the pioneering phase. // The cell phone is potentially replacing the wallet. Pros & cons. Ask Clark topics include: What you can’t pay for with a 529 plan / How and Why to Refinance Your Mortgage / The 403(b) / Fidelity Investments Review 2021 / Life Insurance / Sam’s Club Mastercard Review: Earn 5% Back on Gas Purchases - Best Rewards Credit Cards: Top Picks for 2021 / Authorized User vs. Joint Account Holder \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / For those who’ve worked various jobs over decades, there may be lost retirement accounts or a small pension you’ve lost track of. There are 25 million unclaimed 401(k)s out there containing $1.35 Trillion. Also - what to do when you change jobs. Clark.com - How To Find Missing or Lost Retirement Accounts Clark Stinks and Ask Clark topics include: Automatic Bill Pay: How It Works and How to Do It Safely / Wait times at Disneyland and Universal Studios are way down. Here’s why / Best 529 College Savings Plans By State / 5 Things to Know Before You Use Zelle / Suing in Small Claims Court \
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Should you stock up on essential supplies? Clark has a different angle on deciding what to buy. // Were you expecting a refund on your auto insurance during the pandemic that never came or was less than expected? If you’re the 1 in 3 people driving less, you’re subsidizing other drivers. Clark has a suggestion to help you save on auto insurance. Ask Clark topics include: Consumer Reports Generator Ratings / Should We Buy a Truck With eBay Gift Cards? Or Is This a Scam? / CarRentals.com / Mint Mobile Review - Visible / Equitable Distribution Definition - Investopedia / Long-Term Care Insurance / What can I do if I believe my credit file has been mixed with someone else's? \
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TVs have gone up in price, as much as double since last November. The market effect of Amazon’s entry and Clark’s best advice for TV buyers. // SpaceX’s Starlink internet service is on hold. Clark’s excitement over the supposed imminent availability of high speed rural internet was well-placed, but premature. What we have here is a failure to serve customers. Ask Clark topics include: Rules for Using Credit Cards / 6 of the Best High-Yield Online Savings Accounts in 2021 / How to Keep Student Loan Forbearance From Hurting Your Credit / Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? / Dollar Cost Averaging Makes You a Fortune Over Time / How To Open a Roth IRA / Warning: 3 Big Problems With Visa Gift Cards / File a Complaint with the Consumer Financial Protection Bureau \
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When looking at job opportunities, there are many considerations beyond pay alone. // Do you know if your company or boss is using spyware to monitor you? Be aware of new ways your company may be tracking you as you work from home. Ask Clark topics include: 9 Ways To Pay for College Without Student Loans - The Top 5 Benefits of Community College / Is Investing in Dividend Stocks a Good Strategy? / File a Complaint with the Consumer Financial Protection Bureau / Carvana Vehicle Value - Also get vehicle value from dealer / How to Buy a New Car in 5 Steps \
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Clark discusses the Apple & Google “toll gates” and the potential advantage of signing up for subscriptions from service websites vs from in-phone apps. Also, expect heavy subsidies on the new Apple iPhones depending on your carrier. // A rethink of college relevance and new information and insights around college & skills training decision making. Also, employer subsidized education opportunities, income share agreements, and working while in school. Ask Clark topics include: Experian New Debt Collection Rule Allows Contact on Social Media / Roth IRA / Best Online Banks - Bankrate: The best online banks of 2021 / Debt Collectors May Soon Contact You By Text and Social Media. Here’s What You Should Know - Your rights when dealing with debt collectors / Deadline Extended: Check Your Credit Report Every Week for Free / Could-Based Phone Systems \
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Clark's 9/11 Remembrance / Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark explains why Locast is no more, and alternative ideas for watching local channels, whether you were a Locast customer or not. Clark Stinks and Ask Clark topics include: 6 Steps to Eliminate Credit Card Debt in 3 Years or Less / Ford Will Build Your Next Car to Your Custom Order / 4 Things To Know Before You Buy a Digital TV Antenna / 4 Things To Know Before You Sign Up for Sling TV / Amazon agrees to pay shoppers up to $1,000 for defective goods after facing high-profile liability cases \
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New privacy ideas based on burner tech may lessen your privacy concerns. Clark offers several ways to do business via email and phone, without them getting into your business. // Shopping online used to be a great way to save money. Supply shortages have led to a reverse movement among retailers. Seeing is believing when it comes to deals now. Clark explains the trend to help you spend - less! Ask Clark topics include: Where to Buy the Best Cheap Printer / Umbrella Insurance / How to Freeze Your Credit / Credit Karma Review / Term Life vs. Whole Life Insurance / Index Funds / 7 Best Ways to Save for Retirement in Your 50s \
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Clark talks about decision making around education and skilled-trade training, costs, and the debate over the value of college. // Many industries are experiencing worker shortages and we’re feeling the effects. We’re millions of workers short in the U.S. with an aging population. Clark’s controversial solution. Ask Clark topics include: Easy Disney World Planning / The current state of state-sponsored retirement programs / Health Insurance / Tracfone Wireless / How and When to Cancel a Credit Card / 5 Things to Know Before You Use Zelle / 5 Ways To Improve Your Credit Score //
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What you need to know about new savings incentives you may see within your employee benefits during open enrollment. // Clark smart steps to keep your loved ones safe and to protect you in case of an emergency. Ask Clark topics include: Rent is about to go up again—here’s why / 6 Best Ways To Send Money Online / Topic No. 607 Adoption Credit and Adoption Assistance / 6 of the Best High-Yield Online Savings Accounts in 2021 - Yotta - Start Saving. Start Winning / Should You Buy an Extended Warranty on Your Car? / How To Open a Roth IRA / Target Date Funds vs. Index Funds: Which Are Better for You? \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Around 1 in 5 U.S. workers are in covenants not to compete, outlawed in California. A Clark warning for job hunters. Clark Stinks and Ask Clark topics include: Deep discounters like Dollar Tree get hit, as they juggle supply chain costs and price-sensitive customers / What Is a 403(b) and How Does It Work? / Retirees fearing financial disaster wait for pension rescue - Pension Benefit Guaranty Corporation / Investment Guide: Advanced investors / Residential Solar: Compare the same size systems between 5 companies in your area with a payback cycle of 9 years or less. / How to Sell Your Stuff on Facebook Marketplace
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Wells Fargo has engaged in fraud against customers. Now new sanctions are coming because they have not complied with settlements. Why you should ditch your big bank. // Looking to earn more on savings, people are susceptible to con artists pitching “safe investments”. A Clark warning about promises of higher interest rates. How to spot a Ponzi scheme. Ask Clark topics include: Should I Be Concerned About T-Mobile’s Data Breach? / If you have traditional health insurance, avoid student health insurance - Health Insurance Guide / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Insuring a home-based business / Automatic Bill Pay: How It Works and How to Do It Safely \
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There’s great support on price transparency on hospital charges on all fronts EXCEPT from hospitals and insurance companies. The reason is Clarkrageous. And Clark’s got the punishment to make them comply. // It’s crazy we don’t have a nationwide toll system. But there’s some progress there. Ask Clark topics include: 14+ Senior Discounts People Age 50 and Older Should Know About! / Best 529 College Savings Plans By State / How To Open a Roth IRA / Clark Howard: Here’s My Experience Selling a Home With an iBuyer / Don’t fall for this car wrapping scam \
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The nursing shortage is severe and demand is pushing up pay rates. If you have a love of science and medicine, there’s opportunity to make a difference. // While some areas see dollar store proliferation as a problem, these retailers are currently booming with a diverse customer base (including Clark) trying to offset inflation and stretch every dollar. Ask Clark topics include: Can a Patient Advocate Help With Your Medical Bills? / WSJ - Paying With a Credit Card? That’s Going to Cost You. / How to Build Credit / How a 19 year old got a credit score of 820 / Best 529 College Savings Plans By State \
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There are private services that allow your rent payments to be tracked for credit, and now Fannie Mae has a new lending guideline that allows renters to qualify for a mortgage based on their rent payment history. Clark explains how this will work to assist in achieving home ownership, in keeping with how credit scoring is changing overall. / Worried about having enough to retire one day? Over time if you regularly contribute to a good retirement plan, well, watch what happens! Why money you’re saving for your long-term future must be invested - and how to invest properly. Ask Clark topics include: The biggest mistake you can make with your 401(k) / Read this before you sign up for a ‘risk-free’ trial / 401(k) Contribution Limits for 2021 / How to Sell a Vehicle - eBay Motors - How to Sell Your Car in 5 Steps / Tips for Buying and Selling Safely on Marketplace - Facebook \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Once again, the pandemic has thrown travel plans into the unknown. But there’s good news if you feel comfortable taking off this year. Clark Stinks and Ask Clark topics include: 6 Things To Know Before You Sign Up for Visible / File Complaint with BBB / Is LifeLock Worth the Cost? / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / Keep solid proof forever when you’ve paid off student loans. / Credit Lock vs. Credit Freeze: What’s the Difference? / Acorns Review / How to Start Saving Money in 5 Easy Steps \
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Hackers have successfully invaded T-Mobile's data base and have info on 40 million users. 3 quick measures T-Mobile customers can take - and 1 task for AT&T and Verizon customers - to help prevent SIM hijacking and the subsequent looting of your accounts. // 1 in 3 U.S. investors admits they have traded while under the influence - dangerous for your wallet. Don’t drink & trade. For Clark, investing is not a sport. He explains his philosophy. Ask Clark topics include: How To Prevent, Report and Repair Identity Theft / How and Why to Refinance Your Mortgage: A Step-By-Step Guide Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
The way we get goods and what’s available, has come full circle. We’ve become conditioned to the wide availability of goods. Yeah we’re going to have to get over that. One result is a win win if it catches on: Ford is trying to change how we buy new vehicles in the U.S. Clark explains. . // Do you have proper coverage? If you’ve got assets, don’t ignore what Clark calls the “success tax” - one of the most overlooked forms of insurance. Ask Clark topics include: How To Improve Your Credit Score by 100 Points in 30 Days / Fidelity Investments Review 2021: Pros & Cons / Lemonade Insurance Review: How It Works, Coverage Options / Automatic Bill Pay: How It Works and How to Do It Safely \
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A simple tip from the NSA can help keep fraudsters out of your cell phone. // Unfortunately, many don’t leave important financial information when they pass away. How to find out if a loved one had life insurance you didn't know about. Ask Clark topics include: Credit Lock vs. Credit Freeze: What’s the Difference? / What Is a SEP IRA and Who Is Eligible? / AUTO Insurance \
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Employers are offering more to get and retain workers. Shop your skills for better pay and benefits. The labor shortage is actually an advantage to the overall economy. Clark describes how business innovation increases efficiency, productivity & profitability which in turn, creates more wealth for citizens. // Clark gets questions all the time from people changing employers and moving their 401(k) accounts. Rip Off Alert and a Clark Smart NEVER NEVER Rule. Ask Clark topics include: Save on Prescription Drugs - 10 Things To Know Before You Use GoodRx / Troubleshooters warning about Cash App debit card scam / How to Find and Claim Missing Money in Your Name / Life Insurance - How to Buy Term Life Insurance in 7 Easy Steps / How To Open a Roth IRA \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark has a new teen driver, and there are some important things to know that will keep us all safer. Clark Stinks and Ask Clark topics include: How to spot and avoid fake product reviews on Amazon / Debit Cards / Rebtel.com: Cheap International Calls and Unlimited Calling / ABLE accounts: A tax-free way for parents of disabled kids to save for the future - Special Needs Trust / Why co-signing a loan can be bad on almost every financial level / How to Build Credit / How and Why to Refinance Your Mortgage: A Step-By-Step Guide \
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Clark addresses the investigation into the Tesla autopilot system and his experiences with autonomous driving. // Clark shares his favorite places to save money on prescription eyeglasses & contacts. 3 discount sellers get the highest satisfaction ratings. Ask Clark topics include: Should You Buy an Extended Warranty on Your Car? / Wells Fargo Active Cash Card Review / How To Find and Choose a Financial Advisor / How to Freeze Your Credit / Best 529 College Savings Plans By State \
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Based on your particular needs for calling, network & data, choose the best cell plan & provider using Clark’s new cell phone guide, which makes it clear to see the best plan for you, at the best price. // New competition is changing the banking industry, which at its core, is about extracting fees from you. Now you have choice: Credit Unions, online banks & fintechs do things differently. Ask Clark topics include: 5 Things to Know Before You Use Zelle / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Mile Auto | Pay-Per-Mile Car Insurance / How to Buy a Used Car in 7 Steps / How to Buy a New Car in 5 Steps \
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Organized crime has had a hand in moving scams for decades and now it’s gotten more severe. Clark describes how the scam happens, so you can steer clear. // The pandemic has upended the office imperative, allowing more people to live and work anywhere in the country or abroad. But working remotely is not without downsides. Some Clark smart employment direction. Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / Biden Administration Extends Student Loan Pause Until January 31, 2022 / How to Save Money on Car Insurance / How to handle money when you’re traveling overseas / Stock Options - Not recommended / How To Spot, Avoid, and Report Fake Check Scams | FTC \
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In stores and online, the ‘Buy Now, Pay Later’ option is proliferating. What’s the catch? / If you are an Amazon user, there are disturbing things going on with certain sellers you need to know about involving negative review backlash and dangerous merchandise. Ask Clark topics include: Rules and Qualifications for Claiming a Tax Dependent / Donor-Advised Funds: The Benefits and Drawbacks / Why You Should Never Use a Debit Card To Pay for Anything / Chase Sapphire Preferred Review: Travel Card / Best 529 College Savings Plans By State / Frequently Asked Questions on Gift Taxes \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / There’s evidence the frenzy in the home selling market is cooling off. Have we hit the point of price resistance? What home buyers and sellers should know. Clark Stinks and Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle / Is a Safe Deposit Box Really Safe? / Smartphone deals: The best bargains on unlocked smartphones under $200 / 9 Ways To Pay for College Without Student Loans / Airbnb Resolution Center / How to Switch Banks in 4 Simple Steps / How to Find a Free ATM Near You: Allpoint, MoneyPass, CO-OP Financial Services and More \
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Businesses have a lot to figure out right now -- vaccines, lack of workers, and wages. Employer vaccine mandates are expanding among medium to large companies. Clark explains the visceral fear of economic slowdown, in an environment of great job opportunity. // An inventive idea to solve housing shortages in cities. Ask Clark topics include: Amazon Scam Warning: Beware of Deliveries You Didn’t Order / How to spot and avoid fake product reviews on Amazon / The Best Time and Place to Buy a Mattress - Best Mattresses of 2021 / Humble Dollar -Losing It All - 5 Ways To Protect Your Retirement Accounts From Being Hacked \
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If you’re an entrepreneur or have a side gig, what you need to know to save for your future. // College students are headed back to campus. A special warning about campus health insurance, and what your options are. Ask Clark topics include: eBay Motors - Car and Truck Inspections / File Complaint with the Better Business Bureau / Roth vs. Traditional 401(k) / Petal Card Review - What Is a Credit Union? / The Best Places to Sell Your Cell Phone \
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The package delivery industry is beset with problems that affect small business the worst. Who is filling the niche? // Word is out about some scams that are dominant now. Warnings for individual car sellers & sellers of anything, and what can happen if you lend out your phone. Ask Clark topics include: Is a Cash-Out Refinance Right for You? / Virtual Credit Cards: An Online Security Measure Worth Taking? / What Is an HSA Account and How Does It Work? / The #1 Way To Protect Yourself From Skimmers if You Use a Debit Card at the Gas Station \
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Different lenders assess you differently. Larger lenders use their own proprietary evaluations - and evaluate your patterns & their risk levels to make decisions about your credit. 80% of car buyers obtain a loan the wrong way. How to obtain the best credit terms. // QR codes have proliferated during the pandemic and are here to stay, but there are some privacy red flags going up around them. Plus, Apple privacy & Amazon privacy invasion. Ask Clark topics include: Where Do We Get a Homeowners Warranty on Appliances? / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / How to Save Money on Utilities \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Tips for saving money when doing laundry. Clark Stinks and Ask Clark topics include: Locast / 80+ great deals and discounts for military members and veterans - Military and Veterans Guide / 7 Things You Need to Know Before You Fly Southwest Airlines / Long-Term Care Insurance / Costco Travel / 401(k) Guide / Fidelity Investments Review 2021 \
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Clark preps you for the current state of travel, including passport delays, how to book to protect your wallet, hotel cleaning policies and rental cars. / Clark is alarmed by a new statistic about people borrowing money to play the stock market on what is called “Margin”. How this practice works and the risk involved. Ask Clark topics include: What Is a Credit Union? / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / 5 Things To Know Before You Sign Up for Verizon Prepaid / What Is a 403(b) and How Does It Work? \
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Clark explains how 529 plans work to help families save for college, how to set one up, and which ones make Clark’s Dean’s List of most cost-efficient plans in his newly updated 529 Guide. But - Quiz: what comes in your financial life BEFORE you set up a 529 plan? / Employers are starting to offer incredible incentives and benefits to employees, and Walmart just announced a big one. Employer subsidized college isn’t new - let’s hope it’s returning broadly. Ask Clark topics include: Gift Tax Definition - Investopedia / Term Life vs. Whole Life Insurance: Understanding the Difference / What Is an HSA Account and How Does It Work? \
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Due to the ongoing pandemic, interest rates have fallen back down and with them, mortgage refinance rates. How refinances and mortgages differ, and how to go about taking advantage of these historic low rates. / The number of thefts of catalytic converters has risen 10 fold in the past year. It’ll cost ya big. How you can help prevent this theft problem. Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service / How to Find the Best Deal on Cheap Internet Service / Streaming TV / How to develop an independent value for your vehicle after an accident / Clark Deals - Cell Phones & Smartphones - Get a FREE iPhone 12 mini with trade-in when you switch to Metro by T-Mobile \
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Clark explains the ongoing “right to repair” debate and what’s hopefully changing to your advantage. / 403(beware): Clark Rage Alert! Clark lets loose on how he REALLY feels about TIAA’s abuses and lame response. Ask Clark topics include: CO-OP Financial Services SHARED BRANCH / Turo: 5 Things To Know About the Cheap Car Rental Service / Best Online Will Maker: 5 Free or Cheap Options - Wills & Funerals / Experian Boost Review: How 3 Bills Helped Raise My Credit Score 14 Points / Are You Following Clark’s Maximum Auto Loan Length Rule? / How Retirees Can Combat Inflation \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The era of $6K hearing aids is coming to a close. Clark describes ongoing industry cartel price-fixing, and why a WIN for consumers is sounding. Clark Stinks and Ask Clark topics include: Best 529 College Savings Plans By State / Fidelity Rewards Credit Card Review: Invest with 2% Cash Back / Liquid Biopsy: Using DNA in Blood to Detect, Track, and Treat Cancer / How to Find a Free ATM Near You / Term Life Insurance / Your C.L.U.E. Report / Lease buyout: 5 tips on buying your leased car / ABLE accounts: A tax-free way for parents of disabled kids to save for the future - 529 ABLE Accounts - IRC Section 529A - Saving for College \
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Great internet access has become essential, and there are so many Americans without it. Clark talks about satellite-based internet service and when and where it will be available. / Often those who work for small companies don’t have access to retirement plans. Many states have an offering that can turn the intention to save, into action. Ask Clark topics include: How to File a Complaint with the Dept. of Labor / Gas & water line insurance - Maintenance fund generally recommended instead / How to Build Credit / How to Lower Your Credit Card Interest Rate / Car rental company membership programs may offer perks and discounts / File a Complaint with the Better Business Bureau \
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Could we be witnessing the end of email? America’s youth prefer other platforms for communication. Is email becoming irrelevant? / One thing parents are often trying to balance is how much to give their children and how much kids should cover on their own. Clark discusses what a new study on parental giving to adult children reveals. Hint: Train Wreck City. Hear the findings. Ask Clark topics include: 7 Things to Know Before You Buy Travel Insurance / Shared Appreciation Mortgage (SAM) - Investopedia / Clark Howard’s Guide to Saving Money on Your Wedding / Credit Karma Review: Free Credit Score and More at Your Fingertips / Dollar Cost Averaging Makes You a Fortune Over Time / How To Find a Good Moving Company \
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Clark explores the Financial Independence, Retire Early (FIRE) movement, now several years on, and the lifelong advantages of living on less than what you make. / With car prices skyrocketing, many are looking for alternative methods of transportation. Great news if you are one of them. Clark describes how new battery tech for golf carts, scooters and e-bikes is providing cheaper transportation for some metro dwellers. Ask Clark topics include: INSURANCE / Is a safe deposit box really safe? / How To Monitor Your Credit / Does Selecting ‘Credit’ When Using a Debit Card Increase Purchase Protection? \
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Clark loves football! Get the latest on the NFL’s tough new Covid policy. Plus, the concert industry reopens with a fabulous concert ticket deal from Live Nation with an advantage for T-Mobile customers - starting tomorrow. / Cash App, Zelle and Venmo are free, convenient pay apps but come with risks. Venmo ends a bizarre practice and offers new security. Ask Clark topics include: How To Watch Football Without Cable: Stream NFL and College Football / The tricky timing of 529 savings account withdrawals / CFPB- File a Complaint / Use these security keys to lock down your computer and protect your personal info / What Are Index Funds? / Fidelity Investments Review 2021: Pros & Cons \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rising food costs, why grocery stores are actually happy about that, and how you can save at the supermarket.
Clark Stinks and Ask Clark topics include: Health care sharing ministries surge in popularity, Magnify Money analysis shows / Target Date Funds: Clark’s Favorite Retirement Investment / Lightbox Jewelry / Latest Scams and Rip-Offs \
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Both Apple and Google are being sued over how they run their app stores. Clark explains the toll and the workaround. / Free college sounds great, especially with the outrageous price of higher education and the student loan burden so many carry. But is it a good idea? Clark points out where this has been successful, and why it can be good for citizen, state and country when it’s skills based, for the marketplace. Ask Clark topics include: How Much to Tip During the Coronavirus Pandemic / Can a Patient Advocate Help With Your Medical Bills? / How to Find and Claim Missing Money in Your Name / Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards / 401(k) Guide: What Is a 401(k) Plan and How Does It Work? \
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New reports indicate borrowing is roaring back after the pandemic slowdown. Lengthy car loans and credit card debt can be dangerous. Credit card offers are everywhere now. How to take advantage of that, without being taken advantage of by creating more debt. / If those CD rates you’re seeing advertised seem too good to be true… you are correct! Two current pitches, what’s the catch, and how to avoid game over for your wallet. Ask Clark topics include: What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster / How To Watch Football Without Cable: Stream NFL and College Football / Best and Worst Home Insurance Companies - Best and Worst Auto Insurance Companies / How To Save and Invest the Clark Howard Way \
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If you’ve been given the choice, what are the pros & cons of working from home vs. returning to the office you should consider? Plus, what research reveals about the 4 day work week. / Would you buy a house you’ve never been to? Clark’s take on this practice and what home buyers should know about buying houses online. Ask Clark topics include: YouTube TV vs. Hulu Live: Which Streaming Service Is Better? - Live TV Streaming Channel Tool / 6 Steps to Eliminate Credit Card Debt in 3 Years or Less / Should You Buy Out Your Leased Car? \
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Congress has never passed consumer protections against hacks of investment accounts. 3 Clark smart rules for protecting your retirement accounts. / TRAVEL NEWS: Passports, canceled flights, rental cars, high fees & more. Ask Clark topics include: 5 Sneaky Ways to Improve Your Credit Score / These Credit Cards Earn 2% Cash Back on Purchases / How To Sell, Cancel or Get Rid of Your Timeshare / How I Saved Nearly 50% on a Rental Car - Car Rental Shortage: Here’s What You Need To Know / 7 Things to Know Before You Buy Travel Insurance / Booking a Cruise? Here Are 3 Tips on How to Do It for Less / How to Plan a Trip: Clark’s Best Travel Tips to Save Money \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Why are people opting out of the monthly child tax credit? Clark answers this and other questions about the now active Child Tax Credit. Clark Stinks and Ask Clark topics include: How to Teach Young Kids About Money / We Still Haven’t Received Our Federal Tax Refund. What Should We Do? / 4 Things To Know About Series I Savings Bonds / Wells Fargo Is Closing All Personal Lines of Credit / Biden Moves To Restrict Noncompete Agreements, Saying They're Bad For Workers \
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There’s a new way renters can save for a down payment on a home. Clark shares the pros & cons, and how to make this method work best for you. / A law eliminating oversight of predatory lenders has been overturned. Clark explains the ruling, the state-level significance, and the danger of payday loans. Ask Clark topics include: What Is a 403(b) and How Does It Work? / What Is a Virtual Card Number and How Does It Work? - Sign up for a free trial offer with a stored-value card to avoid unwanted subscriptions. / Shrinkflation: Warning: Watch Out for This Retailer Pricing Trick / How to Choose the Best Charities for Your Donations - For small charities, search the name of the organization + “IRS filings” / How to Reach a Real Person at AT&T, Xfinity, Cox and More - How to Find the Best Deal on Cheap Internet Service - Cnet - Elon Musk says Starlink will be available worldwide in August / Should You Take Your Pension in a Lump Sum or Monthly Payments? / Gap insurance: What is it and do you need it? \
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Big banks are no longer the mortgage lenders of choice. Today banks account for only around 30% of mortgages issued because they’re usually a ripoff. Clark tells you the best places to look for a mortgage or refinance. // There’s been a lot of debate about our digital histories coming back to bite us years or decades later. One woman’s story is a lesson for all. Caution your kids about this in ongoing conversations. Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Best and Worst Home Insurance Companies / Best and Worst Auto Insurance Companies / Bureau of Consumer Financial Protection vs. Progrexion Marketing, Inc - How to Freeze Your Credit With Experian, Equifax and TransUnion / GoodSam Roadside Assistance - AAA Membership - Consumer Reports: Buying a Roadside Assistance Plan / Food Delivery Is More Expensive Than It Used to Be - NYTimes: A Pandemic Lifeline for Restaurants, Delivery Is ‘Here to Stay’ \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Used car prices have gone through the roof! Clark’s personal car selling story and an important warning for shopping used cars. / 3/4s of us take some form of herbal remedy and/or supplements. The FDA reports weight loss, muscle building, and sexual aid products pose the greatest risk. What certifications to look for when buying supplements. Ask Clark topics include: 5 Ways to Recognize Fraud and Scams | FEMA.gov / How to sell your house by owner \
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Still waiting on your IRS refund? You’re not alone! The IRS Taxpayer Advocate has announced 35 million tax returns have not been processed. They’re severely short-staffed and refunds are delayed. Clark’s tax filing strategy to save you some trouble. / Promising news on the price of prescription medicine: A new program for prescription insulin has the potential to shake up the entire prescription marketplace! Clark discusses industry factors that affect the cost of meds, and reform initiatives. Ask Clark topics include: What Is an HSA Account and How Does It Work? / 529 Plans / Why You Should Never Use a Debit Card To Pay for Anything / What Is a Roth 401(k) and How Does It Work? - How To Open a Roth IRA / Roth IRA vs. Traditional IRA: What’s the Difference? / Homeowners Insurance \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some people swear by Robinhood. Others swear at it. How free trading has evolved, and news on the controversial app, as they begin direct selling their stock. Get the Clark smart approach to investing. Clark Stinks and Ask Clark topics include: 6 reasons to think twice about co-signing a loan / Young Investors Society / PenFed Power Cash Rewards Review: Up to 2% Unlimited Cash Back - Best Rewards Credit Cards: Top Picks for 2021 / 7 Things You Need to Know Before You Fly Southwest Airlines - Delta, Southwest top J.D. Power airline ranking for 2021 / Peacock Review: NBC’s TV Streaming Service Has Something for Everyone - YouTube TV vs. Hulu Live: Which Streaming Service Is Better? / Fidelity Investments Review 2021: Pros & Cons - How To Open a Roth IRA / SBA's PPP loan forgiveness deadline is fast approaching. Don't be left on the hook \
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Clark just returned from the first cruise to sail out of a US Port since the pandemic began. His full Royal Caribbean Celebrity Edge cruising report, including ports of call & vaccine policy. / Oil prices are the highest since 2015 and normal patterns don’t apply this year. Clark explains what factors are behind the price of gas and how long the pricing pain is likely to last. Ask Clark topics include: How to Make the Best Use of Your Delta SkyMiles / Electric Scooter Reviews | E-Scooter Tests - Consumer Reports / T-Mobile Expanding 5G Network - Offers New Home Internet Service \
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Near & dear to Clark’s heart: Volunteering. Clark’s service to others has been a lifelong endeavor, including Habitat for Humanity, Christmas Kids for foster children - and founding the Consumer Action Center in 1993 - still going strong offering free advice and accepting volunteers. / Did your business take out a PPP loan? The topic of forgiveness is a great source of frustration. Clark has the latest, plus advice on what to do if your PPP loan forgiveness is denied by the SBA or by your lender. Ask Clark topics include: 5 Steps to Getting a Good Deal on a Hotel Room - HotelTonight: Last Minute Hotel Deals at Great Hotels / Column: He hasn’t smoked in decades. But Hertz is hitting him with a $400 smoking fee - File Complaint with BBB / 5 Things to Know Before You Use Zelle \
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Clark smart recommendations for credit card first-timers and how to build credit. / The fight between the natural and lab-grown diamond industries is heating up. After years of escalating prices, the diamond industry is facing a real threat, and they’re fighting back. Lab-created diamonds are identical chemically to dug diamonds for a fraction of the price. And the industry is terrified … Ask Clark topics include: 6 Things To Know Before You Sign Up for Visible / What Are Index Funds? / Best Investment Companies for Investors in 2021 / Fidelity Investments Review 2021: Pros & Cons / What Is a 403(b) and How Does It Work? / What Is an HSA Account and How Does It Work? \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Is your car spying on you for your insurance company? Good news for consumers around that controversial topic. Telematics has been a privacy issue and has become more invasive and sophisticated over time. Meanwhile, you can save big if you drive less than 10,000 miles per year. A new small competitor - available in 4 states and growing - charges by the mile without spying. Clark explains. Clark Stinks and Ask Clark topics include: How Retirees Can Combat Inflation / Apple Credit Card Review: Earn Cash Back on Tech Purchases / Submit a complaint | Consumer Financial Protection Bureau / Small Business Help from SCORE / How to Freeze Your Credit With Experian, Equifax and TransUnion \
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Many headlights now, especially aftermarket brands, are blinding to oncoming drivers. This can make night driving perilous. Clark has a safety tip and welcomes yours. We need enforced standards for headlight intensity as a safety issue. / Think you’re shopping at your favorite store online? Think again - Many major retail sites of all types are now offering their platform to third party merchants. You can select the host merchant only. Overwhelmingly the items on Amazon are from other sellers. This is true of Walmart, Target, and other retailers increasingly. Be clear WHO you’re buying from and their rules. Ask Clark topics include: How To Start An Investment Club (And Other Alternatives) / American Association of Individual Investors / 22 Ways to Save Money on Gas / VA IRRRLstreamline refinance option - Navy Federal Mortgage Refinancing / How To Find and Choose a Financial Advisor / Vanguard Personal Advisor Services Review / Why Clark Howard Wants You to Set Up a ‘Financial Chromebook’ - For a Chromebook that’s no longer supported, set up a new Gmail address and cease financials on that device. \ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark believes it’s essential that teenagers work starting at 15. Every dollar they DON’T spend, they can put into a Roth IRA (with a parental match if possible). Teaching deferred gratification gets youths in the habit of saving money to build for the future. / The summer is prime wedding season, and with so much pent-up demand, weddings are back - in a different form. Why Clark loves this trend. Ask Clark topics include: Discover it Secured Review: Earn 2% Cash Back While Building Credit / Ask Clark: How should I handle cell phone calls when I travel overseas? / How to handle money when you’re traveling overseas / Schwab - 5 Ways to Save Money When Traveling Abroad / Mint Mobile Review: T-Mobile’s Network for Only $15/Month \
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We’re seeing worker shortages all over the country. The reasons may not be what you think. The problem pre-dates the pandemic. There’s a demographic angle. How businesses will need to adapt. / Have you ever had to cancel or delay a trip because you were ill? The airlines need to find a better way to treat people to protect us all. Taxpayer-funded corporate welfare saved the nation’s airlines. Each airline has a responsibility to the nation. If safety is the highest priority, why must they penalize illness? Ask Clark topics include: File a Consumer Complaint | US Department of Transportation / Uber and Lyft Surges: What to Know - The New York Times] - NEVER pay Uber or Lyft with Venmo - The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / BBB File a Complaint / Submit a complaint | Consumer Financial Protection Bureau \
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Subscriptions went way up in the pandemic year - many may no longer be relevant. Free Trials are a plague on people’s wallets. Anytime they need a form of payment, it’s not a FREE trial. People forget to cancel and keep paying. Many free trials obligate you for a term. A Clark Assignment around free trial offers & subscriptions. / Fraud Alerts are routine and many fraudsters have invaded this space. How these fake alerts work and your defense. There’s an easy workaround to protect yourself. Ask Clark topics include: Franchise ownership: Is it right for you? / Arctic Air Review: Can This ‘As Seen on TV’ Product Lower Your AC Bill? / Report: The Best Smartphones for Customer Satisfaction / CareCredit - Be certain you can pay it ALL off on time / How to Sell Your Car in 5 Steps \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rental car scams are booming. An urgent warning about searching for deals online and the kind of payment requested. Clark Stinks and Ask Clark topics include: Report: The Best Smartphones for Customer Satisfaction / Best Free Password Managers: 7 Top Picks / 7 Places to Get the Best Deals on Lab-Created Diamonds / Megabus | Low cost bus tickets from $1 / When Should I Refinance With a No Closing Cost Mortgage? - Mortgage Refinance Calculator / Why co-signing a loan can be bad on almost every financial level / Does a Credit Increase Request Create a Hard Pull on Your Credit Score? \
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Clark discusses what’s needed to improve healthcare in the U.S. Expanded primary care access including NP and PA providers, and new subscription services are key. // Amazon loyalists get convenience but should consider that fake reviews, return problems, labor issues, and higher prices are all factors with Amazon and its mostly third-party merchants. Also, If you have Amazon devices in your home, under new terms of service, they utilize your internet connection unless you change your settings. Ask Clark topics include: Clark Howard: My 7 Rules for Using Credit Cards / What is a Promissory Note \
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The law is finally being enforced against fraudulent for-profit student loan mills. Swindled students in debt can now receive loan forgiveness. Clark explains the role of colleges in excessive lending that impoverishes many parents, grandparents and graduates. // So many concert/sports tickets are bought through third-party brokers or ticket outlets. During Covid cancellations, many got little to no refunds. Beware buying this way. Buying legit can have huge markups. Clark tells you the only safe way to buy an event ticket. Ask Clark topics include: ConsumerFinance.gov - Submit a complaint / Target RedCard Credit Card Review: Earn 5% Back on Purchases / Wills & Funerals / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / How to Build Credit / What Is a 403(b) and How Does It Work? / Fidelity Investments Review 2021: Pros & Cons \
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“Shrinkflation” is real - Clark offers 2 ways to counteract less product in packaging, and tells you what “New and Improved!” really means. Also Clark’s outlook on inflation. / Clark smart TRAVEL - Do you have frequent flyer miles in your account?. Airline miles and hotel points belong to the issuers and they can devalue them at any time. Some mileage programs are 3rd party - much better. Plus, new rules from the EU -The vaccine is going to be key to international travel. Ask Clark topics include: How To Open a Roth IRA / Get An Identity Protection PIN | Internal Revenue Service / CREDIT CARDS / Deferred maintenance - Have an inspection to prioritize repairs. / Home equity loans & lines of credit / The worst insurance in the world / How to Buy Term Life Insurance / Emergency Fund Complete Guide: How Much & Where \
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Vehicles keep getting better. Last year the average age of vehicles rose to 12.1 years. What you spend on housing and automobiles has the biggest impact on your long-term financial health. How long should you keep your vehicles to retire 5 years sooner? Safety concerns? Hear and use Clark’s New & 10 Rule, plus his 4 & 4 Rule for used cars. / Hackers are everywhere The weakest link: employee social media accounts. Don’t be the reason your company gets hacked. Your power is privacy - How to protect yourself and others from hacks. Ask Clark topics include: 6 things you need to know before donating your used vehicle / The Center for Auto Safety - Subaru - National Highway Traffic Safety Administration / How to Lower Your Credit Card Interest Rate / How Retirement Communities Work / HVAC leasing NOT recommended. \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Christa & Clark have a harrowing car rental experience with some great advice for all - Something you should do before you show up at the rental counter can save your day. Clark Stinks & Ask Clark topics include: Here Is Clark Howard’s Bottom Line on Bitcoin / Protect Yourself and Your Family from Radon / How to Budget With a Cash Envelope System / How To Talk to Your Partner About Money Before Marriage / Apple iPhones Can Soon Hold Your ID. Privacy Experts Are On Edge / How to avoid paying $51 for a 60-cent toll / Why co-signing a loan can be bad on almost every financial level \
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It’s time for some major sales! Amazon Prime days are coming up, and other retailers are already putting out screaming deals to compete. A Clark smart deals roundup. / Verizon & AT&T offer deals to stop switchers. Are the new phone giveaway deals a real bargain? AT&T and Verizon compete with free phones - with a catch... - Report: The Best Smartphones for Customer Satisfaction. Ask Clark topics include: Living Will Forms (“Directive”) - search Living Will + your state or ask for forms at a medical facility. / When Should I Refinance With a No Closing Cost Mortgage? / Apple Credit Card Review: Earn Cash Back on Tech Purchases / Best Rewards Credit Cards: Top Picks for 2021 / 7 Things to Know About the New Venmo Credit Card \
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An update on Clark’s review of T-Mobile’s home internet service. / Clark loves solar power but has a warning about the industry. What to know when installing solar for your home. Ask Clark topics include: 1031 Exchange Rules: What You Need to Know - Clark avoids this as capital gains tax rates are favorable now / Best Free Password Managers: 7 Top Picks - Consumer Reports Password Manager Ratings / What Is an Annuity, and Why Does Clark Think They Stink? / How To Find and Choose a Financial Advisor / Owner’s Title Insurance / How to Deal With Medical Debt / Best Investment Companies for Investors in 2021 / Udemy Voice-Over Courses \
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We bear the cost of credit card fraud directly. A quarter of Americans were victims of credit card fraud last year. One simple way to protect your wallet. / Are you concerned robots will take over all of our jobs? Throughout modern human history, there have been predictions of job loss due to technology. Clark smart historical perspective on automation, robots, jobs lost - and gained. Ask Clark topics include: How to Switch Banks in 4 Simple Steps / 5 common contractor scams and how to avoid them / How to roll over a 529 plan, and why it may be a good idea / INSURANCE - Amica - Six-Month Auto Policy FAQs \
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Clark breaks down the true value of remodeling and the best reason to do a home upgrade. / Trading, bartering, getting stuff for free - Several ways to find goods, from clothing to furniture, for little or no money while helping to eliminate waste. Ask Clark topics include: Google Fi Review: The Best Cell Phone Provider for International Travel? / Mint Mobile Review: T-Mobile’s Network for Only $15/Month / 3 Things to Know Before Buying Owner’s Title Insurance / Home Title Lock: Is It The Same As Home Title Insurance? - Have your county notify you if there is any activity on your title. / Marriage, money and happiness: A timeline. \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Weddings are coming back in big numbers. Couples can eliminate the financial pitfalls that can poison a relationship by first thinking through what’s important to each and having an ongoing dialogue to get financial cards on the table. Hear Clark smart strategies about how to proceed from there. Clark Stinks & Ask Clark topics include: The Best Veterans and Military Charities / United Service Organizations - USO / Which restaurant tipping method is better? / Your C.L.U.E. Report / Xoom.com | Send Money Abroad Fast | Xoom, a PayPal Service / 6 Best Ways To Send Money Online / When and Where to Buy a Wireless Security System / Your Guide to DIY Home Security Systems \
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Clark recently moved and has fresh wisdom on downsizing / How do you seize the opportunities available in today’s job market? We need to be lifelong learners. The more we learn, the more we earn. Employers can’t match skilled workers to available jobs. The ladder is training. Middle skill jobs require skills based training. Clark discusses 3 approaches including workforce development programs - the win-win we need in the U.S. Ask Clark topics include: Fidelity Investments Review 2021: Pros & Cons / Pet Insurance - Pet Insurance: Should You Buy It? / Best Treadmill Reviews – Consumer Reports / 5 Ways to Create a Cheap Home Gym \
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Both Walmart and Amazon are getting into healthcare to save money for their companies, and potentially for all consumers (including those insured), using both telehealth and clinics. Clark explains the offerings. These outsiders will expand outside of their own employee groups to become a threat to the medical industry, and a benefit to consumers. // In addition to having a physical DL, some states are rolling encrypted digital versions to carry in your phone. Mobile driver’s licenses are not subject to manipulation to create fake IDs. When it comes time to renew, check online to see if this convenience is available. Ask Clark topics include: Social Security Basics: | Kiplinger / For Sale By Owner (FSBO) Definition – hire a real estate lawyer to do the paperwork. / 7 Things to Know Before You Buy Travel Insurance / 9 ways to pay for college without student loans / Debit vs. credit | Pros, cons and protections for your money \
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Clark speaks with admired colleague, finance expert JONATHAN CLEMENTS - founder and editor of HumbleDollar, author of personal finance books and former personal finance columnist for The Wall Street Journal, among other accomplishments. They discuss the core attributes of financial success, working part time in retirement, prioritizing debt, marriage & money, saving late in life, paying for college, divorce - financial strategies for life's stages and rebounding from life's setbacks.
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You may be a candidate for strategies that can lower your credit card interest rate and eliminate your annual fee. / Life Insurance is an area where you can easily get ripped off. Clark guides you through the process. You’ll learn the different types, what to avoid, where to look and how much to buy. Fear not. It’s easier than it once was. Ask Clark topics include: Radon Gas / Policygenius Review: What to Know Before Getting Quotes / Haven Life Insurance Agency Review: How It Works
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / If you are an owner or involved with the finances of a business, you know the banking industry has traditionally killed you with fees. Clark lists several alternatives including something new from Square and a warning about specialty online lenders. Clark Stinks & Ask Clark topics include: How To Find Your Chromebook's End-of-Life Date - Lifehacker / 4 Things to Know Before You Sign Up for Locast / Overdraft Protection / Clark Howard’s Bottom Line on Bitcoin / Best savings accounts for June 2021 / Car Rentals / Non-Owner Car Insurance: Who Needs It? / How to Monitor Your Credit \
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Banish streaming price confusion - Our new interactive tool allows you to enter your favorite channels to uncover the best options for you. Load & delete channels and find your best price per month. ~Live TV Streaming Channel Tool - Clark Howard~ / Travelers, an important warning about timeshares. Clark explains why there’s no intrinsic value. The industry expects a great year due to pent up travel demand, making people extra vulnerable to the timeshare pitch. A NEVER NEVER Clark rule on timeshares you can take to heart - and to the bank. Ask Clark topics include: Credit Cards Archives / Best Balance Transfer Credit Cards / Best 0% Intro APR Credit Cards / How To Bypass the Banks for a Loan / How To Open a Roth IRA / This Mistake at the ATM Could Be Costing You $240 a Year / Is a Home Warranty Worth the Money? / Where Do We Get a Homeowners Warranty on Appliances? / Don't let your gym give your wallet a workout / Dangers of putting monthly bills on automatic debit / Your Guide to DIY Home Security Systems / Wyze Home Monitoring \
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Airbnb is in need of hosts. The original idea was to save money. But now, 1 out of 4 stays are a month or longer due to remote work capability, driving the average cost of an Airbnb stay up 35%. How to flex with this environment and save on lodgings this summer. / Vacation & work/life balance is seriously vital to health. A new WHO report details how excessive work is literally killing people. Many are working themselves to death. Use your vacation! You’re better at what you do when you get enough rest, mentally & physically. Ask Clark topics include: Google Flights / Customers Fight Airlines For Refunds From Pandemic Cancellations : NPR / Clark Howard: Here’s My Experience Selling a Home With an iBuyer / What Is an HSA Account and How Does It Work? \
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Vaccines have changed the recovery equation much sooner than thought and employers are moving up reopening offices. Many bosses don’t trust employees working remotely and miss control. Many workers love the flexibility of working from home and have choices to make. Pros, cons, exceptions and company culture considerations in the hybrid work debate. / Clark reviews the Citizen app. Will he continue past his free trial? Recently, someone was falsely accused due to the app. Citizen responded well to the now resolved incident. Ask Clark topics include: How to Teach Young Kids About Money / 5 Ways To Get Your Free Credit Score / Should You Buy an Extended Warranty on Your Car? / Fidelity Investments Review 2021: Pros & Cons / The FIRE Movement \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Fintechs are bringing about enormous change. Forget banking fees, minimum balance requirements, check cashers & payday lenders. Legit services are available for all. App based and online banks, the best credit unions - are great alternatives. The DNA of traditional banking is hostile to those who don’t have big balances. Welp, you don’t need them either. Chime Review: Pros & Cons of the Bank Challenger - Clark Howard Clark Stinks & Ask Clark topics include: Rule of 752: How Small Expenses Can Destroy Your Budget / 7 Major Expenses in Retirement (and How to Reduce Them!) / Google Photos / Is It Wise To Sign My Credit Card on the Back? / How To Find and Choose a Financial Advisor / Roth IRA / Roth vs. Traditional 401(k) - What Is a Roth 401(k) and How Does It Work? - Clark Howard \
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National 529 Day - Millions have 529 plans to save for college with tax free growth for qualified spending. Be aware 529 Plans vary. Many states roll in a state tax deduction for contributions up to a certain limit. Clark tells you which plans to eliminate and about the recent regulatory change involving grandparent owned plans. / Would you leave a $20 bill languishing in a drawer or toss it out? Gift cards are real $$ disguised as ….. gift cards. Time to use ‘em or lose ‘em. There’s $800M in gift cards never redeemed for a single major retailer. What? Retailers love this “breakage” which is pure profit for them. A Clark smart assignment. Ask Clark topics include: Asking for a credit increase - How To Improve Your Credit Score by 100 Points in 30 Days / TURO - How to Make Extra Money / Travel Planning / EvaluateLifeInsurance.org \
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Deadline to Savings: June 8 - The video streaming world is in huge transition. Mergers signal industry consolidation. Philo - still the cheapest - is going up but Clark tells you how to avoid the price increase. See if Philo would work for you. // Why does Clark call cryptocurrency fake? Clark describes cryptocurrency in theory vs practice, the government restrictions and the fundamental value of electronic money. What to expect if you play in crypto today. Ask Clark topics include: The New Washington State Long-Term Care Act - Coldstream Wealth Management - WA Cares Fund / Long-Term Care Insurance / These Credit Cards Offer Car Rental Insurance Benefits / Mortgage Refinance Calculator / SIM Card Fraud & How to Stop It / Submit a complaint | Consumer Financial Protection Bureau / CarMax Review \
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Shopping auto insurance: Ideally, you need to compare to find the best deal. Clark breaks down auto insurance shopping services, highlights The Zebra, helps you navigate the lead generation aspect and understand independent vs captive insurance agents. You can do this! // There are many pitfalls with online ads and purchasing - tactics used by companies to bait you into buying services and goods you don’t want or need. Know when you’re being manipulated online. Ask Clark topics include: 7 ways small business owners can reduce their tax bill / Will a Hybrid Car Save You Money? There's An Easy Way to Find Out \
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The “side gig” economy is the real deal, and some people are making 6 figures being their own boss. It’s a great time for those with specialized skills to make money freelancing. - SideHusl - Find the Best Money Making Option for You // Americans have paid off a great deal of credit card debt. Credit card banks are getting desperate and making generous offers. Even if you have no credit score, you may be in a better position than you think. Ask Clark topics include: Use Google Navigation to avoid tolls or a multi-state toll reader / Life Insurance - EvaluateLifeInsurance.org / Fidelity Investments Review 2021: Pros & Cons / Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly 1 in 4 Americans have 0 in their rainy day account. How to get this done after the whiplash of 2020? Clark gives you the little steps that build life habits, including starting a savings account and Roth IRA to gradually build your savings. Clark Stinks & Ask Clark topics include: Locast / How To Watch Local Channels Without Cable / How to Make a Disposable Razor Last 12 Months / 5 Reasons Why Home Insurers Will Fire You as a Customer / What's the Deal With Dogecoin? / Your Guide to DIY Home Security Systems - Ring Security System Review - Clark Cam: Ring Security System Installation - YouTube / Fidelity’s Pitch to America’s Teens: No-Fee Brokerage Accounts - WSJ - For kids under 13 set up & monitor a credit union savings account with debit card / update this crucial beneficiary information \
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In the pandemic, many have been forced to work from home. Now that offices are starting to re-open, do you want to go back in person? Survey: Would you rather work from home or get a $30K raise? Employees say no contest... / Survey: 71% expect significant increases in the value of homes, placing real estate investing over stocks. Why this optimism may be misplaced: Reversion to mean. Investment real estate right now doesn’t work. If you're not buying real estate for the right reason, you may very well get burned. Ask Clark topics include: How to Buy a House in 9 Steps / 5 Sneaky Ways to Improve Your Credit Score / Insurance Policies Homeowners Need To Get and the Ones To Skip \
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Venmo, Tik Tok and Security: Payment App Rules - Don’t use them to pay strangers and beware hackers. Plus, PayPal has attached a social feature to Venmo. Unless you override it, people can see your payments - Why this is risky and what you can do about it. And, should you log in with social apps? / 37 Million of us are traveling over the Memorial Day weekend. Driving tips to ease the way. Ask Clark topics include: How to Sell Your Car in 5 Steps - Clark Howard / Costco Travel / Travel Archives - Clark Howard \
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The average price of a used car is up 17%; new cars are up 10% over the last year. If you’re in a car lease that’s ending, Clark has a strategy your wallet will love. / Lab created diamonds are chemically identical to diamonds dug from the earth. The price is the bigger difference. Plus, there are environmental and humanitarian advantages. But there’s something you should do before you give this gift…. Ask Clark topics include: Credit Cards / Fraudulent Unemployment Claims / Google Flights / Scott's Cheap Flights | / What's the Deal With Dogecoin? \
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Clark wisdom on life-long learning, the transient nature of work, pursuing your passion and being true to yourself, staying relevant in a fulfilling vocation, your approach to money and finding satisfaction and joy in life. / There’s an important deadline you need to know about. There are just days left to take advantage of an incredible free photo storage offer. Ask Clark topics include: Replacing lost key fobs affordably / Emergency Fund Complete Guide: How Much & Where / 7 Emergency Expenses and How Much to Budget for Them / How to Switch Banks in 4 Simple Steps \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / An update on net neutrality. The cable monopoly is being broken piece by piece. Internet service choice is coming. Clark explains how this is comparable to cable’s monopoly over pay TV being crushed in the marketplace. Clark has a video streaming challenge for you and helps you SAVE money by comparing streaming services all in one place! Best Streaming Services: Every Option Explained - Best Live TV Streaming Services Clark Stinks & Ask Clark topics include: Cell Phones Archives / 5 Easy DIY Auto Repairs You Can Do Today / Authorized User vs. Joint Account Holder \
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Scott Keyes, founder and chief flight expert of Scott’s Cheap Flights joins Clark to talk about myriad aspects of travel now and moving forward. Essential listening for travelers as 2 experts convene.
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The prevalence of cyberattacks and the nature of the east coast oil pipeline attack - A Clark smart warning and actions you can take. / You must file taxes, or at least file an extension - whether you can pay or not. 90% can prepare and file taxes for free, yet only 7% do. Clark shows the way. Also, $1.3B unclaimed 2017 tax refunds could disappear next week. Get your money. Ask Clark topics include: GasBuddy / Do Not Get a Big Tax Refund Check / Know the Rules for Roth 401(k) Rollovers / Group Homes an Alternative for Seniors Who Can't Age in Place \
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There’s an ongoing series of Facebook messenger scams. Facebook identities are taken over by crooks who use familiarity to commit affinity fraud. What you should out for. / Clark backs out of a long gas line in California & pays the price. What should you know about summer driving? Clark explains ‘backwardation’ in terms of where gas prices are, why, and where they’re headed. Ask Clark topics include: Homeowners Insurance / Hearing Aids / Apple Credit Card Review / Best Cash Back Credit Cards \
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Money talk ain’t pillow talk but it works to save a marriage…. There’s pent up demand to throw weddings, but be prepared to take the leap by talking money before the nuptials. Clark describes one of the greatest flashpoints in the first 3 years of marriage, and the nature & importance of ongoing money & goal conversations. / If you too like to squeeze out every last bit of toothpaste & other products, you’re on the right track. Housing and cars are our biggest expenditures. We can also attend to spending at the margins, part of the saving mentality. Clark also speaks to another part of the ‘spend less that you make” credo, to create more freedom and serenity in your life. Ask Clark topics include: When does a 0% purchase plan make sense / How to Freeze Your Child's Credit / Credit Union National Association | CUNA / Clark’s Bottom Line on Bitcoin / When Should You File a Claim on Your Homeowners Insurance? \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The job picture could not be more different than 1 year ago. Now employers are desperately looking for workers across many categories. For the class of 20 - this could be reset time. The key to getting good work is personal contact, not just sending out resumes. Network with people. Digital methods are a process of elimination. People hire people. Clark Stinks & Ask Clark topics include: Costco vs. Sam's Club vs. BJ's Wholesale / Sam's Club membership deal- Clark Deals / Streaming TV / A Guide to Nondeductible IRA Contributions / Ooma / Credit Score Guide / Aldi - Clark Howard / 401(a) vs. 401(k): What's the Difference? / uShip | Shipping Made Easy / Clark's 'Ditch Your Debt' Facebook group \
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Hear Clark’s 30 year standard method for dealing with lifestyle debt, and how using plastic triggers a kind of euphoria while keeping you from ‘feeling the spend’. / Better Banking - Chime has eliminated the junk fees and pain points of traditional banks. Low credit score? The Chime Credit Builder secured Visa card gives you control in a unique way. Also consider the Petal card for this purpose, or a credit union fresh start card. Ask Clark topics include: American Kennel Club / Blue Cross Blue Shield Settlement / How Much to Tip During the Coronavirus Pandemic / Which Documents Should You Keep and for How Long \
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MVNO Mint Mobile has a plan for individual high data users for $30 a month. Clark offers details on this deal and others. / We’re living longer and may need to rethink our retirement age. Clark describes a phase in strategy that can really change the economics of your retirement years. Ask Clark topics include: The Best Place to Order Checks Online / 15-year mortgage / These Chromebooks less than $200 / laptop deals / Hybrid Financial Advisors / Full-Service Financial Advisor vs. Hybrid Robo-Advisor \
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Want to sell your timeshare? An former inside scammer reveals how they find you and get inside your wallet - No sale. / Survey says: Most Americans want government-backed job training over handouts. Lifelong training is essential to a dynamic economy wrought by ever changing technology. Ask Clark topics include: Home | Costco Travel / Digital Receipts | Paperless Receipts | CVS / Debit vs. credit | Pros, cons and $ protections / What Is a Flexible Spending Account? / 529 Plans: The Best Places to Invest Your Education Savings - Clark Howard \
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PROMISES BROKEN: One privilege of military service is student loan forgiveness. But the U.S. Dept of Education rejected 94%, just like public service loan forgiveness was largely rejected. This must be fixed. Congress talks a good game about valuing the military. The country must fulfill its promises to those who serve. / CRACKING THE CASE: How pandemic unemployment compensation has been looted, even from people who had their credit frozen, costing taxpayers $billions. Ask Clark topics include: How to know if you qualify for student loan forgiveness / Booking a Trip For This Summer or Fall? Your Flights Will Change / How To Prevent, Report and Repair Identity Theft / 5 Sneaky Ways to Improve Your Credit Score \
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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Labor shortages and last minute code changes are forcing manual processing of 2020 taxes. Refunds are delayed. Clark’s got a suggestion for those who routinely get refunds. Clark Stinks & Ask Clark topics include: Best Laser Printers for Your Home Office - Consumer Reports / How to Get a Mortgage in 8 Steps / 6 Things to Know About Refinancing Your Mortgage / Which Documents Should You Keep and for How Long? / Robinhood Review: Pros, Cons & Who Should Use It \
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The housing shortage has pushed home prices to an all time peak. Clark speaks to fears of a real estate market crash and explains how the market is likely to play out. PLUS, a key rule for home buyers today. / Uber and Lyft are good economic indicators of the employment market and there’s a labor shortage in many different categories to explore. Some employers are desperate to hire. This will be a great summer for teen employment. Ask Clark topics include: How to Find a Good Moving Company / uShip | Shipping Made Easy / Certified Professional - The Travel Institute / Payment Apps / 401(a) Plan Definition \
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There’s a streaming standoff between Roku and YouTube. What was once a cable issue is now spilling over into the streaming world. Streaming TV Archives - Clark Howard / Auto industry game changer is set to ground 'the grind'. HUGE news in the new car buying industry is not being widely reported - something Clark believes will absolutely change the way you buy a new car in the future. Ask Clark topics include: How to Find the Best Deal on Cheap Internet Service / Google Fi Review / T-Mobile Expanding 5G Network To Offer New Home Internet Service / Verizon 5G Home Internet Expands Service to More Cities / Cell Phones Archives - Clark Howard / How to Buy a Used Car \
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Clark clarifies the zone between full service and self service investing and describes the 3 hybrid discounters to help you choose what’s best for YOU! And - the KEY to buying financial advice. / Why now the labor shortage in restaurant industry and how tech will fill the gap. Be prepared to be greeted by a robot. New technologies being rolled out mean less interaction with servers. Ask Clark topics include: Life Insurance - Clark.com / 529 Plans / How To Prevent, Report and Repair Identity Theft / Freeze Your Credit - Clark Howard
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Word to high frequency traders - Clark’s journey with Robinhood and its imitators has been arduous of late. The timeline and tax takeaway is news for investors… How to avoid the tax backlash. / Cable companies, previously one of your wallet’s arch enemies, are now becoming heroes in the cell phone industry. How cable companies can save you money on your cell phone bill. Ask Clark topics include: Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity / How to Stop Robocalls for Good / Best Landline Alternative | Ooma / Zillow's Zestimate Accury | Zillow / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments - Clark Howard \
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Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. / What happens if you lose your Covid vaccination card? It happened to Clark! Ideas to protect your card. Clark Stinks & Ask Clark topics include: Paying Contractors: Don’t pay big cash up front, make a progress payment agreement / Lazer printers can be a smart choice / The Best Places To Buy Eyeglasses / E-ZPass Group / Vanguard Mutual Fund Profile / How To Open a Roth IRA - Clark Howard \
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The full fare airlines have pivoted to leisure routes and Southwest has launched a fare sale cycle. Clark travel advice includes flight cancellation, the rental car problem and hotel prices. / The same blood test cost one cancer patient 800% more at a hospital than it did at a doctor’s office. Large hospital systems are hostile to price competition. Clark updates the battle for price transparency & explains how to handle a medical test or procedure referral. Ask Clark topics include: Using GoodRx / Submit a complaint | Consumer Financial Protection Bureau / Check warehouse clubs to buy generators / Getting the Best Car Rental Deal - AutoSlash Review / HSA Accounts / Spot hidden resort fees when booking travel \
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Clark talks gas prices and other increases he didn’t see coming. What’s happening and what you can do about it to protect your wallet. / Peloton has seen huge growth during the pandemic. Now they're refusing to recall their treadmills despite a call from the CPSC to do so. Clark discusses corporate behavior and treadmill safety. Ask Clark topics include: Get started with Medicare / Umbrella Insurance Policy / Ibotta Review / Costco extended warranty / Series I Savings Bonds - TreasuryDirect - Individual - Series I Savings Bonds \
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Dwellings are the largest expense we have and a key determinant of financial health. Clark describes obstacles to and different types of ADUs - accessory dwelling units - a win-win for landlords and renters. / The trucking industry is short of drivers and pay is going up. Many companies provide training. Also, the Federal Reserve reports small businesses have been far more resilient than anticipated and there is less dislocation than feared. Learn how the table is set for a really strong small business recovery. Ask Clark topics include: Paying cash to a contractor / Lumber costs / Guide to DIY Home Security Systems / Costco members: Ring wireless 10-piece security kit for $180 - Clark Deals / How to Freeze Your Credit / How to Buy a Used Car / Petal Card Review: A Good Option for First Credit Card? \ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices
3 class action lawsuits found game developers and content providers violating the law, tracking and building profiles on children. We need punitive legislation and parental oversight. There are programs to help parents monitor and limit their children online. / Two years ago, as a board member of the Prostate Cancer Foundation, Clark first heard of liquid biopsies, blood tests with DNA screening for cancers and potentially the Holy Grail of diagnostics. Clark updates the progress of this testing, where it is now in the marketplace and its cost history. The biggest problem remains the avoidance of medical care. Regular check ups make a big difference. Ask Clark topics include: Is silver a good investment for you? / Termite Bonds - recommended / All SCOTTeVEST Travel Jackets / How To Find and Choose a Financial Advisor / Schwab automated investing with unlimited guidance | Charles Schwab \
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Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. There are significant changes for individuals and families that buy their own compliant health insurance policies. A special enrollment period extends through August on Healthcare.gov. If you have a tight income and don’t have health insurance, Clark explains why you should apply now and double check for subsidies.
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Home buyers are squeezed right now, having to pay more. Clark discusses the supply problem and the logic behind his new rule on your ownership cycle. / Extended service contracts, insurance coverage and warranties on electronics & appliances is a key profit push for retailers. Clark explains what type of insurance you actually should have. Plus, why Clark is neutral on vehicle warranties and what he recommends. Ask Clark topics include: Going solar / Home remodeling / Replace a lost Social Security card / Identity theft / Car Insurance //
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Clark reviews the new Best Buy membership program as they compete with the bigs - Amazon Prime, Walmart+ & Costco. Retailers are challenged to connect in new ways. CVS and Walgreens are also offering memberships. / Clark & Christa are testing out T-Mobile’s home internet. Hear their verdict on this flat rate alternative to traditional home internet. Simultaneously, more zip codes in the U.S. are able to get Starlink internet from SpaceX, offering high speed unlimited data, soon to blanket the nation. Ask Clark topics include: How to Open a Roth IRA / Index Annuities / Target Retirement Funds / How to Freeze Your Credit / Google Flights //
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We’re always being tracked online but there are browsers and extensions to help protect privacy. Clark has tested a couple and reports on ease of use. / How most of us buy a car is a giant rip off. Clark explains how the game is played and how to obtain - or refi your loan the right way. Ask Clark topics include: Deferred Compensation Definition / How to Open a Roth IRA / Investing Guide / FDIC: Deposit Insurance FAQs / Best Online Banks / Travel Insurance / Should You Buy Out Your Leased Car? / Charles Schwab Bank Debit Card
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We’re seeing more focus on how to reach and teach young people about money. There’s collateral damage due to lack of financial education. Some high school programs exist. TikTok is now offering financial teachings of the basics of personal finance. Starting at age 6, the more parents can talk to kids and teach by example about saving and making money decisions, the better. // Tax policy in the U.S. is a ridiculous mess, and changing all the time. How we do taxes should be non-partisan. But taxes are used to settle scores to the great harm of individuals and economic growth. If Clark ruled the land, how he would make taxes more equitable and understandable. Ask Clark topics include: Guide to DIY Home Security Systems - Wyze Cam smart security camera for $20 - Clark Deals / Taxes Archives - Clark Howard / Experian Boost Review / Free Advice: Clark’s Consumer Action Center - Clark Howard //
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Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. A new federal law allows employers to pay toward employee student loan debt or for a portion their education, through 2025 - tax free for the recipient, deductible for the employer. Clark explains this voluntary benefit - a win-win. Clark Stinks & Ask Clark topics include: Consumer Reports- printers / Two-factor authentication with Cash App / Insurance subrogation /
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Historically, 529 plans owned by grandparents negatively impacted the student’s financial aid profile. That changes this fall. Clark explains the new FAFSA rule, and the WRONG way to set up a 529 account. / The Facebook data breach involves more than half a billion people around the world. What info criminals have and what you need to do to protect your identity and your wallet. Freeze Your Credit. Security is not part of the principle architecture of how the internet works, leaving each website to protect its info. Advice for website owners who collect personal information.
Ask Clark topics include: Student loans: start with federal borrowing / 7 Best Ways to Save for Retirement in Your 50s / Best Credit Cards for Extended Warranty / Online education / Authorized user /
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Economic fallout from Coronavirus: Clark explains why, as we enter economic recovery, a homeless problem appears. Also, auto loan delinquencies are up. Clark's NEVER rule for car buying. / Jobs are roaring back in the U.S. - Why this decade could be a golden age for workers. Ask Clark topics include: Clark's Maximum Auto Loan Length Rule / How To Spot Financial Abuse of an Elderly Relative or Friend - Clark Howard / How to Buy a New Car / How to Buy a Used Car / How to Open a Roth IRA / Credit Freeze //
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New reviews of affordable printers indicate great improvement. The HP business model means high prices for ink. Epson and Brother have that option, plus, more costly printers requiring very low cost ink which saves big$ over time. / Car rental prices have spiked in many areas. Clark has some workaround strategies to use until costs normalize. Ask Clark topics include: Charitable Gift Annuity / 7 Things To Know Before You Buy Gas at Costco Wholesale / How to Stop Robocalls for Good - Combating Spoofed Robocalls with Caller ID Authentication | FCC / Is a Home Warranty Worth the Money? /
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A new debt collection rule may kick in this November allowing collectors to contact consumers via email, text and direct messages on social media, with no frequency limits. Regardless, it’s essential to know your rights with debt collectors. Clark offers some key rules to help protect your credit. / As we transition from traditional pay TV to streaming, we can end up paying more if we’re not careful. Are you topping $100 a month? Do you watch every service you’re signed up for? A Clark assignment. Ask Clark topics include: How to Deal With Medical Debt / Identity Theft Guide - Clark Howard / The Best Car-Buying Services in 2021 / Disability Insurance / Companies That Buy Houses for Cash //
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Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / Glorified Vending Machines: Unstaffed robotic cooking centers, sometimes seen in airports, are coming to neighborhoods - open 24/7 with reduced labor costs. Meanwhile, convenience store operators realize they can’t live by gasoline sales anymore, with gas sales declining as people migrate to electric vehicles. Chains are experimenting with affordable fresh food offerings. Clark Stinks & Ask Clark topics include: PODS for interstate moves / How Many Credit Cards Should You Have? / How to Find and Choose a Financial Advisor / Vehicle Buying Guides /
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Clark attempts to explain NFTs (with an assist from SNL) & blockchain and gives his take on this novel craze. Also, fully vaccinated, Clark’s back in stores and finds himself spending ...more OR less? Ask Clark topics include: ETF Guide / HSA - Health Savings Account / Amazon MTurk Review / Save on dental care /
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One effect of the pandemic has been forced early retirement for many. Only 38% of the workforce is 55 and older. Why employers are working against their own self interest and that of the U.S. economy when they discriminate against older workers. Short term thinking makes for short lived companies. Companies that stand the test of time treat workers well. / A first for Clark - renting storage. What you can learn from his process. Ask Clark topics include: Refinancing a car loan / Appliance purchases / Unemployment insurance fraud / The Airline & Hotel Pandemic Vouchers that May Prove Worthless-WSJ - Be flexible /
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The beauty of automatic enrollment into retirement plans for employees, and why Clark loves target retirement funds. / How Clark got scammed! - Almost. Yet another reason to check your statements. Ask Clark topics include: 529 Plans / Submit a complaint | Consumer Financial Protection Bureau / Toddler Saved By Anti-Choking Device / Home insurance unjust denial - File complaint with your state insurance department. / Car rental prices escalate -Turo - Getaround. /
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Hospital systems have conspired to prevent prodcedure & surgery price comparison. Clark explains how they skirt the law, and why hospitals remain the biggest problem with the cost of healthcare. / Fraud hacks into Venmo, CashApp and Zelle have become a massive problem, with no customer service. Clark explains a way to keep your primary account from being drained by crooks. Ask Clark topics include: Custodial Roth IRA / Authorized credit card user - Petal Card / Best and Worst Home Insurance Companies / Amex Send & Split with Venmo & PayPal: Send Money and Split Purchases / Car Rental Ireland / Betterment / Military & Veterans Guide /
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Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / It would be pennywise to retire the penny. Clark counts the ways. Clark Stinks & Ask Clark Topics include: T-Mobile needs a reset / Tire Rack / Your Guide to DIY Home Security Systems / National Guard and Reserve Benefits / How to Find a Good Moving Company /
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JOBS: Microsoft Survey Says - Over 40% of workers want to quit their jobs. This creates job rotation moving forward, and new opportunity. Also, the pros & cons of remote working as the hybrid return to work evolves. / Student loan mills feeding for-profit schools left a trail of disaster for borrowers cheated out of an education. Now these borrowers can reapply for student loan forgiveness. Check out affordable training opportunities including Google Certificates. Ask Clark topics include: How to open a Roth IRA / Monthly recurring charges - file a BBB complaint / AARP College Grants - Scholarships for Senior Citizens / How to Get a Power of Attorney From a Jail Inmate / IRS-Get An Identity Protection PIN /
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Clark discusses proceeding with caution after vaccination, herd immunity and economic recovery. Step by step the economy will gain strength as people get out and about more. Expect stronger economic activity as we move through 21. / Today, Royal Caribbean is taking reservations for a June cruise out of the Bahamas with no U.S. stops. It's a start for cruise travelers. But beware "phantom booking" with cruise lines - a Clark warning. Bookings are up overall in the U.S. as people prepare for summer travel. Look at travel in and near the U.S. as quarantine requirements continue. Ask Clark topics include: HSA Accounts / Index Funds / Credit Freeze / Travel Safety / Home equity loans and HELOCs / Credit Cards / Home Owner's Title Insurance /
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With the rise of hybrids and electric vehicles, the gas tax for road maintenance has got to change. Some states are already going about mileage taxation. Clark explains what's around the bend. / An industry disrupted brings sticker shock to new furniture showrooms. Clark has a better way to feather your nest... Ask Clark topics include: Save on car insurance / Pay per mile car insurance rates / DOT.gov Consumer Complaint / 3-D Printed Homes / How to buy a used car
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Clark discusses the supply & demand factors affecting the price of gas and what to expect at the pump. / A purchase and donation warning from the head of Team Clark’s Consumer Action Center - Another good reason to check your bank & credit card statements monthly. / The banking sector seems culturally incapable of becoming a customer focused industry. Meet the outsiders making a difference. Ask Clark topics include: Social Security problem: file a complaint through your Office of Constituent Services. / Remote worker non-resident tax issues - Hire a CPA or Enrolled Agent. / How to open a Roth IRA - Target Retirement Funds / Roth vs. traditional 401(k)
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Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / Deadline Extended: Check Your Credit Report Every Week for Free - Clark Howard Clark Stinks & Ask Clark topics include: Cell phone insurance, Airbnb Superhost, Kids & Money -Clark's daddy match, Taxes on individual stocks.
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Clark explains who qualifies for the new 6 month COBRA healthcare subsidy and how it works. Also, with so much focus on privacy violations, how Google has become proactive when it comes to tracking you for targeted ads. And you may want to shut down permissions for cell phone carriers engaging in extreme spying. Clark argues for opting in, versus having to opt out. How To Opt Out of T-Mobile’s New Ad-Targeting Policy - Clark Howard Ask Clark topics include: Domain registration 5 & 10 year deals, Free trip to the Bahamas- a rip off since the 1980's, Spotting warehouse club clearance items, WhatsApp privacy changes, Index funds.
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The pandemic 1 year in - Clark discusses the impact of vaccines on recovery and the emerging Covid passport. / Buying vehicles is in transition as electric vehicles gain range and become more affordable. Direct online versus dealer purchases are in play. Why it's riskly buying a new gas engine vehicle now. Ask clark questions include: Vaccination and Covid test form privacy concerns - Credit Freeze, Travel Insurance, Bitcoin IRA or Savings not recommnended, Zillow zestimates.
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Clark reveals what's led to bulk purchase of fake reviews on Amazon & how to read between the star ratings. / Almost 30% of new vehicles for sale now cost over $50K! That’s why most people buy used. 2 areas of the used sector have your best bet on price. Ask Clark topics include: Target Date Funds, Peacock Streaming Service Review, Robinhood-SEC Investor Complaint Form, Clark Howard's Special Rule for Refinancing Your Mortgage,
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More than half of all consumer complaints filed with the CFPB concern credit report errors, likely related to the bureaus' waiver from CARES Act compliance. Don't wait until this affects your financial life - A Clark smart vigilance assignment - and it's easy. / Pretext phone calls, emails & texts keep coming, ever more sophisticated. Clark's strategy helps keep you 1 step ahead of criminals. Ask Clark topics include: The merchant lied -Clark didn't buy the warranty: Clark's endorsement policy, If you can't pay your credit card bill, The Best Credit Cards for Small Business Owners, Why Entrepreneurs Should Avoid Business Credit Cards, MLMs.
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Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / 2021 policy renewals are using 2019 mileage to set premiums. Clark explains how to handle this and how to save on car insurance overall. Clark Stinks topics include: Long Term Care Insurance, 6 Things To Know Before You Sign Up for Visible, If you use multiple pharmacies, make sure they each have a list of your meds, JOB CORPS, Spousal Roth IRA, Citi Costco Card benefits still include car rental coverage. Ask Clark topics include: Getting out of debt, Home Warranties, HVAC Freon. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices
63% of 2020 homebuyers made an offer on a house - sight unseen. Why a virtual tour is not enough. Half of all cell phone users have never lost or broken a phone, so do you need a service plan? 3 Clark smart ways to protect your phone Question topics include: Additional fees on a used vehicle purchase / Beginner investing / Home refi decision making
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Innovative building methods, including 3D printing, are more efficient, cut construction costs and produce highly energy efficient housing. / Sick of spam calls? Clark has some strategies to help eliminate them. Ask Clark topics include: Life Insurance and How to Buy a Used Car in 7 Steps - Clark Howard.
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Debt looms over intact or improved finances during recovery. Hold any gains and beware the buy now, pay later option on small purchases. 3/4 of users dropped their credit scores. / Picking up the Pieces: Rare opportunity exists to open businesses with less cost and less risk, especially in the restaurant industry. Ask Clark topics include: Car rental insurance, Internet based business phone systems - Ooma & 8x8, Trip Adviser for vacation planning, Do Not Give Your Social Security Number at These Places, Wyze Cam smart security camera for $20 - Clark Deals - Your Guide to DIY Home Security Systems - Clark Howard.
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If you're convenience and price oriented, Walmart+ shines and is worth checking out. / iBuyers have brought convenience to home selling. Now Zillow brings more certainty to the process. Clark offers a smart approach to selling your home today. Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide, How to Get a Mortgage in 8 Steps, Hiring a Fee-Only Financial Planner, What is a Fiduciary Financial Advisor?, ProtonMail is free, encrypted email, WhatsApp's new terms are an invasion of privacy. Alternatives include Signal.
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Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks. / There are major disruptions in the housing and rental markets now. Several factors figure into the current housing crunch. Clark explains what to consider when making the decision to rent or to buy this and next year. Ask Clark topics include: Borrowing from your 401k, Marijuana stocks, Pet Insurance.
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Just under half of people surveyed believe it's best to leave a balance on a credit card - and other money myths that don't serve you well. / Extended warranties on vehicles - when, where and IF you should ever buy one. Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One?, 529 Plans.
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Urbanization and climate changes are increasing flood risks. Premium adjustments are coming from the National Flood Insurance Program as the Feds realign risk levels. It's vital for homeowners and potential buyers to know the risk level of any property. FloodFactor.com - FloodSmart.gov. // Mobile young adults are renting furniture these days - convenient but is this cost effective? Clark tells you how to get the most from your furniture dollars. Ask Clark topics include: W-4 withholding confusion, Community Property, Buying individual stock picks vs. index funds,
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Paramount+ launches this week. Check out the lineup and see if the promotion for early subscribers is right for you. Also, why you may see DirecTV prices go higher. / Unemployment Insurance has expanded eligibility by executive order. Depending on state, delays continue. Clark has application advice to facilitate the process. Ask Clark topics include: Home Internet, Best Online Banks, How much cash should you keep at home.
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PPP - This time is different. For the next 9 days, businesses with less than 20 employees can apply exclusively. Non-banks, meaning credit unions and fintechs, play fair. This money IS available with loan forgiveness if eligible. / Clark advises on when & how to book air travel for later this year into early 22 - before prices go "sky high" with increased demand. And, should you should consider cruises? Ask Clark topics include: Resource for entrepreneurs - SCORE.org, T-Mobile Money is awesome, The Southwest Companion Pass.
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Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks. / Transformation in the supermarket industry is creating major savings opportunity for you. Clark points to your lower cost options. Ask Clark topics include: Should I Stop Paying My Student Loans Right Now? - Clark Howard / ABLE accounts: A tax-free way for parents of disabled kids to save for the future-Clark Howard
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Facebook owned WhatsApp is changing terms of service allowing them to invade privacy. Clark's warning and alternatives. Also, the Kroger data breach is part of an overall massive breach affecting many companies. Resist breach fatigue and freeze your credit if you haven't yet. Ask Clark topics include: Bill reduction services, Robocalls, Credit cards ditching car rental coverage.
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The Power of the Pivot: Job demand is up in some areas. Clark offers guidance on finding active job categories and transferring your skill set outside the box. Some who have pivoted have increased their incomes. Also, when your employer offers no retirement plan or match, Clark gets you started on handling your own future financial security. -How to Open a Roth IRA - Clark Howard. / Ask Clark topics include: Trekz earbuds, employer 401K security freeze, The dangers of Zelle.
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Clark recommends long-term investing and welcomes Marcus Invest from Goldman Sachs for small investors, akin to Wealthfront & Betterment. Also, PPE cost money and the charges are being passed on to you. Be aware when paying extra. Ask Clark topics include: Timeshares and Credit Cards.
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How Ford's new Blue Advantage car buying program stacks up to CarMax & Carvana and why now isn't the time to buy a new vehicle. / Verizon's discounter Visible has an improved plan that could save you major money. 6 Things to Know Before You Sign Up for Visible - Clark Howard Question topics include: Canadian savings accounts, 10 Ways to Save on Prescription Drugs - Clark Howard, the Bumped app has changed, Why You Should Never Sign Up for Overdraft Protection - Clark Howard.
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Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks. A poll finds many teens and young adults believe a high school education is enough to earn a decent living. Generally, more education is needed for stable employment, via state technical schools and/or colleges. Clark lists the best paying jobs out of college and explains you don't have to go into massive student loan debt to earn a college degree. Question topics include: Amazon reviews / Finding a reputable home appraiser / Credit card application denial - Credit reports
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Rule changes for renters and home buyers have occurred. Renters facing eviction have rights, but must verify economic hardship and follow procedure. Clark explains what forebearance now exists for FHA, Fannie Mae or Freddie Mac mortgage holders and payment strategies. Crimes stats are up. Extra measures you can take to help prevent car theft and break-ins Ask Clark topics include the virtual mailbox in the absence of a physical home address, how to protect the Schwab debit card Links mentioned: CDC form to avoid eviction for apartment renters / Hello Landlord – by SixFifty / Federal Register Notice: Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 | CDC.
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If you must do high-frequency stock trades, Clark gives you the tax-smart way to proceed and explains the beauty of index funds. / Surprising news and Clark smart direction on the job front. Clark answers your questions: Youth banking accounts / How to spot a car wrap scam / WYZE home security
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The Mark Cuban Cost Plus Drug Company offers more affordable versions of expensive generic drugs / Vaccine fraudsters are after your money and personal information. Clark explains the red flags to look out for. Clark answers your questions: Sports programming on streaming channels - check T-Mobile Tuesdays for free MLB. / Kill A Watt electricity usage monitors / Able Accounts / HSA Accounts
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Clark explains how state and local revenues are faring so far in the pandemic. Ponzi schemes are alive and well. Know how the game is played, so you don't get played. The Ponzi Scheme Blog. Clark fields questions on 3 to 5G security system monitoring / How tax credits on electric vehicles work.
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Christa shares the Clark Stinks posted on the web and shares with Clark. Submit yours at Clark.com/ClarkStinks.
The CFPB has launched a probe into Venmo's debt collection practices. Clark tells you what you need to know about using these payment apps so you don't lose money.
Question topics include: cable company problems and where to get a nice mattress for a reasonable price.
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The Consumer Action Center is being inundated with calls from listeners getting a 1099G form indicating that they are being taxed on unemployment benefits even though they never signed up for unemployment! Clark tells you how to handle it if you get one of these forms in your mailbox.
President Biden just extended the moratorium on foreclosures. Clark discusses what you should do if you need as a homeowner or a tenant.
Question topics: buying plane tickets now, tax on stock market earnings, contributing to a target-date retirement fund.
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How much it would cost if you bought all Samsung or Apple have to offer? Life insurance gains relevance for those under 40. Clark discusses the best kind of life insurance and how to buy it Question topics: Pretext scam calls claiming to be from Amazon / Paying off a mortgage early / A lawyer as executor / First credit cards / Credit versus debit cards for online purchases. Mentioned Links: How to Buy Term Life Insurance in 7 Easy Steps
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Google yourself to see what is out there about you. Revenge posting can be harmful to job seekers and to relationships. Clark discusses ways to minimize the damage. How self-install security systems have evolved - Wyze introduces the cheapest security system and monitoring. Clark question topics include: When to rent before buying a home and when to accept a collections resolution offer
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To stretch your dollar further, it's important to shop in the right places. Bargain retailers: Online versus in-store when you're trying to Save More. 1 in 5 people have lost money to a phone scam in the past 12 months. Clark talks about how to protect yourself and your loved ones. Clark question topics include: Free state tax filing, printers and ink cartridges, ditching an annual fee credit card, & internet while traveling.
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Christa shares the Clark Stinks posted on the web and shares with Clark. Submit yours at Clark.com/ClarkStinks. Many Presidents' Day deals are being touted. How to know what's a real deal and what's not in the month of February. Clark explains how to save on prescription medication
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Clark's latest take on the GameStop and other market mania and what it means about the future of the stock market. Clark fields questions about Chase's new credit card policy, social RobinHood and security numbers, buying a new car, buying a car on eBay, charitable donations. Links mentioned in this episode: Clark.com article on Stock Trading and Investment Apps: https://clark.com/personal-finance-credit/investing-retirement/best-investment-apps/ Clark.com Credit Freeze Guide: https://clark.com/credit/credit-freeze-and-thaw-guide/
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In recent years we've been buying 4k tv's even though there isn't much content delivered in 4k! But the tv manufacturers are now starting to sell us on 8k televisions. Don't buy the hype. Now you can get 4k programming over the air with an antenna for free!
The pandemic has made the wealth inequality in our country worse than ever. If you've fared well during the pandemic, think about how you can care for others who haven't.
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Being vaccinated will be a green light for both employment and travel moving forward. Employers seek to reduce liability risk. Vaccination comes with digital verification and will be required for travel.
With more and more streaming products hitting the market, how do you decide which ones to sign up for? Sometimes prepaying will get you a better deal. That's the case with the new Paramount+ prelaunch discount
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Producer Joel is moving on to pursue his own podcast called How To Money full time. He and Clark discuss Joel's venture and the current real estate market for potential landlords.
The pandemic has reduced how much we drive and Clark recommends rethinking auto insurance to include companies that charge by the mile (Metromile) and/or track driver distance and performance. The trade-off of privacy for more accurate pricing can reduce costs for you and improve industry pricing practices overall.
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Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.
New stats reveal how Americans are spending stimulus funds. For many, the money is vital to survival. For others, it's been used to pay down debt and increase savings, which in turn will contribute to economic recovery gradually, starting mid-year.
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A new report from Uhaul shows which states Americans are moving to and which states people are leaving. The top 3 states don't have a state income tax! But it turns out that one of the largest reasons that people are moving is to find cheaper housing. And if you are moving, Clark tells you what to watch out for when hiring a moving company.
Godiva announced that it will be closing all of its US and Canadian locations. Don't worry, you can still buy your Godiva chocolates elsewhere. But there's a lesson in this for consumers - use your gift cards ASAP. Retailers and restaurants are feeling the pain right now, so make sure to locate and use any gift cards in your possession soon so that you aren't left with worthless plastic. Learn more about your ad choices. Visit megaphone.fm/adchoices
Despite store closings, Gamestop stock has climbed rapidly as young investors bid up the value. Clark believes this is a bubble that could burst and hurt you if you're investing in a speculative way.
The Biden administration is set to reopen the healthcare exchange so that those uninsured by job loss have viable healthcare options. Clark explains purchasing a compliant policy at Healthcare.gov versus buying a non-compliant policy that offers inferior coverage.
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Mortgage rates are likely to rise in the coming months. Clark thinks that we'll see rates rise modestly in 2021. So if you're looking to refinance, do it sooner rather than later!
Americans are getting back on board with medical tourism even though we're still in the middle of the Covid pandemic. If you are willing to travel, you can save big money by getting medical or dental work in another country.
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Carmax has a generous new return policy. You have 30 days now to drive that used car before you are stuck with it for good. Carmax and Carvana are reaping the rewards of being more consumer-friendly.
Food delivery apps can cost you an additional 40%. Clark says that you should opt to order directly from your favorite restaurants and choose to pick your food up instead of using the major apps. This saves you money and keeps more of that cash in the restaurant's hands as well.
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Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.
Clark talks about the new rules about how to avoid losing unused money that you've set aside in your FSA.
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IRS free file is the place to go for most people who have an AGI of less than $72k. And you can file your 2020 tax return today if you want - although the IRS won't start processing returns until mid-February.
Clark just got his first round of vaccine. Some employers are paying employees to get vaccinated. What started with Dollar General has now expanded to other employers who are offering different amounts of money if their employees will get in line to get theirs.
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Clark is not a fan of annuities. But they are going to be available in many 401k's this year. Clark tells you what you should do when you see them as an option in your workplace retirement account.
Streaming prices have skyrocketed in recent years! Clark talks about recent changes in the streaming space and how you can find stuff to watch without breaking the bank.
Ask Clark topics include budgeting advice for a college sophomore, are the payment apps like Cash App secure, work from home tax breaks, and amending a tax return.
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Bigger retailers like Amazon and Walmart are letting customers keep less expensive items they are returning a whole lot more these days. That's because the cost of shipping has become prohibitive.
The Australian trend of buying something and paying for it in installments is now happening regularly on US websites. Most of these companies don't even charge you interest. Clark says that these installment loans are a reasonable option if it doesn't cause you to buy more than you should.
Ask Clark topics include alternatives to overdraft protection, home title lock, renting a home out on Airbnb, and moving into a camper to pay off debt!
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Clark discusses how most people can file their taxes without paying a dime. He also talks about how eligible Americans can get the earned income tax credit.
Simple bank was an excellent online bank. But it's going away. So Clark talks about which online banks are worth considering if you're looking to move your money.
Ask Clark topics include issues with a home solar system, which rewards credit card is best, how to cut down on your home energy use, and whether it makes sense to add your child to your credit card as an authorized user or not.
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Some borrowers aren't getting their student loans forgiven by the federal government because of confusing requirements. That is not ok. Clark talks about what the government should do to improve the process for borrowers and help them get their loans forgiven in a straightforward way.
Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.
Ask Clark topics include will all student loans be forgiven, why Clark recommends waiting to tap 529 plans until later in your college career and is it wise to invest money that you are saving to purchase a home.
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The newest jobs report was not looking very good as unemployment levels rose in December. Clark talks about how to navigate employment in the current economy. Also, the folks at Clark.com have updated the work from home guide which can help you find solid employers offering remote employment.
Clark is not a fan of Bitcoin. And the recent volatility in the cryptocurrency arena hasn't changed his mind. Listen to this before you put any of your money into cryptocurrencies.
Ask Clark topics include getting life insurance as a single parent, companies forcing you to choose auto bill pay, saving up for a new car, and what to consider when building a new home.
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Robocalls are the worst! And it feels like we're getting bombarded with them more frequently now. Clark talks about how to curb those annoying calls to bring more zen back into your day.
Many appliances still remain in short supply because of factory shutdowns due to Covid. That means that if you are in search of an appliance it'll be harder to find a deal on the one you want. But Clark has some tips to help you out!
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There will be some major changes to the FAFSA for the upcoming school year and parents are going to be thankful for them. Clark talks about the elimination of the expected family contribution and what that means when you are applying for financial aid for your child.
Parents are taking on way too much debt for their kid's higher education! PLUS loans are sabotaging their retirement. Clark discusses what you should do instead of taking out those toxic loans.
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Clark believes that if you take some important steps to cut subscriptions & shop around for cheaper alternatives that you can save at least $1,000 this year. For more info on which bills you need to look into and how to save the big bucks, be sure to check out this episode.
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New minimum wage laws are going into effect across the country. Clark talks about where the increases are happening and what affect they will have in addition to how his views have changed on the topic over the years.
Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.
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New car prices have shot through the roof in recent years! Clark talks about how to trim your transportation budget so that you can find more financial margin in your life.
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There's a new spot on the IRS website where you can check the status of your stimulus payment if you haven't received it yet. Clark also talks about how the $300 federal supplement for unemployment insurance will work and how long you'll be receiving it.
Also, car theft is on the rise! Clark tells you how to protect yourself and your vehicle.
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Housing is typically the biggest line item in a person's budget. Finding ways to cut costs there will have an enormous impact! Clark gives you his best ideas.
Clark also takes your questions about housing on this episode. You can submit a question for the show at Clark.com/ask.
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A lot of people are setting New Year's resolutions for themselves. And many of you want to handle your money better in 2021. But that's only possible if you tackle those goals the right way. Clark talks about how to actually get better with your money this year instead of just hoping that you will.
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Haven't spent all your FSA dollars? Clark talks about what over the counter items you can purchase in order to use that money up.
The purpose of saving for your future is to give you more control and freedom over your future. Research suggests that people who prepare and have a plan are the ones that end up in the best position in retirement.
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Consumer Reports has just released its list of the best used cars under $5k. Clark talks about which cars you should be leaning towards when looking for an inexpensive use vehicle.
There should be a great availability of over the counter hearing aids. But sadly, options are currently limited. Clark talks about how to get the most bang for your buck when purchasing hearing aids in the future.
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There are some newer and fancier dollar stores that Clark wants to make sure you know about.
Exercise doesn't have to take an hour or longer every day. A new study finds that just 11 minutes of exercise daily can have a huge impact in your life!
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Recycling isn't working out very well right now. There have been some proposals floated that could make recycling more viable though.
HP will no longer honor its "free ink for life" plan. Subscribers are already being vocal with their criticism.
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There's a new list of the most reliable used cars. Clark talks about which makes and models make the most sense for your wallet.
Gift cards are often a bad purchase. Just give cash instead! But gift cards are even worse buy right now and Clark tells you why.
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Parents tend to not know when their kids are using tobacco and e-cigarettes. That's not good!
Is the government tracking your location? There's evidence that they may be and that is understandably worrisome to many Americans.
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Clark discusses the benefits of each. Curbside pickup is actually the perfect in-between!
Many companies are slashing salaries if you move opt to move elsewhere. Clark tells you what to watch out for.
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Clark is not a fan of the new Comcast data caps. He discusses the price you might find yourself paying to the internet giant if you use too much data in your home.
Many automakers now offer built-in technology to monitor how your child is driving.
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Some items are made specifically for factory outlet stores. And often those items are of inferior quality. Clark gives you the scoop on how to tell whether the item was made specifically for the factory outlet store or not.
Tough times impact us in massive ways. And we've seen a generation of savers formed because of the difficulties that Covid has caused.
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Renting an apartment has changed because of Covid. Clark talks about how to rent an apartment - and score a good deal - in the world of virtual visiting a future place to live.
The newest ACSI reveals which banks are doing a great job meeting customer needs and which ones aren't.
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Clark talks about the transition to clean energy in the United States. It's been difficult on the oil industry and likely will become even more difficult in the coming years as sustainable energy like wind and solar are getting cheaper and cheaper.
Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.
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Clark talks about which delivery services pay gig workers the best and how gig workers can maximize their income by downloading the Gridwise app.
Consumers are leaving high-cost mutual funds in favor of funds with lower fees. If you haven't checked to see what the fee structure is like in your investment portfolio, now is the time to check!
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Disney+ is looking to add more content while simultaneously raising prices. If you're a Disney+ subscriber you'll be paying $1 more every month starting in March 2021.
Don't ever buy a timeshare. Rent one instead! Koala is a website where you can rent someone else's timeshare.
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Clark talks about some of the best sales happening 10 days ahead of Christmas. He also talks about issues with shipping and getting what you order before Christmas.
Homeland security issued a warning to federal agencies about using certain software that has been hacked. Clark talks about the importance of having cash on hand in case of a hack that affects the US financial system.
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If you need healthcare in 2021, the deadline to sign up at Healthcare.gov is Tuesday. Clark discusses how to assess the plans on the government's website and find the right plan for you and your family.
Vaccine scams are proliferating as the FDA has approved the use of Pfizer's vaccine. Here's what you need to watch out for.
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Store credit cards can be poison for your wallet. Clark tells you the downsides to carrying one and why it isn't a good idea to sign up for most store credit cards.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Half of Americans are saving for retirement in a savings account instead of workplace or personal retirement plan. That's not good!
GM is making a huge pivot to produce a massive number of electric vehicles in the future. And the massive car company just opened factory ZERO just outside of Detroit to help accelerate these plans.
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The IRS has a major backlog of unprocessed tax returns. Many people who filed paper returns are still awaiting a refund.
If you are planning to book travel soon, you might want to purchase travel insurance. Clark tells you how to shop and what to look for in a policy.
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There's a shipping logjam and it doesn't bode well for getting the Christmas presents you've ordered at your doorstep on time.
Colleges across the country are having to cut costs in a big way - including letting longtime professors go.
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Scammers are targeting Amazon Prime members specifically in a new scam that scare you into handing over sensitive personal information.
There's a little more clarity for people who have federal student loans. Payments will now be delayed through January 2021.
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Consumer Reports has detailed some of the problems with the Tesla Model S.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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A recent article in Wired detailed a solar installation in California. Clark gives his thoughts on whether installing solar at your house makes sense and what a typical payback period can look like.
Divvy is a company that has had some issues since it started doing rent to own a few years ago. But Clark thinks that it can make sense for you as an avenue to home ownership if you do your due diligence
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Clark's wife is going to fly on a Delta plane because of the dedication to keeping its customers safe. If you are willing to get on a plane, you might want to prioritize flying on an airline that is keeping health safety top of mind.
State and local governments are having financial troubles. Clark talks about the difficulties that have arisen due to the pandemic and how these municipalities will be looking to cut costs.
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Clark talks about how to make your generosity go even further by giving to charities that are doing the most good.
Vaccine progress has been good news on so many levels. And it's causing Americans to loosens the purse strings and spend more freely.
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Clark talks about the best deals that are happening today. In particular, the clothing sector is seeing some steep sales!
There are more Holiday scams that you need to be aware of this year.
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Hulu is charging more for its live TV streaming service. The price hikes have been coming fast and furious. Clark discusses how you should think about your TV streaming options.
Emails and ads abound right now touting different "Trumpcare" plans. But this is a marketing ploy that you should avoid because many of these offers aren't selling you real insurance.
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Chocolate and workout equipment are being consumed in a major way right now. And Peloton's stock has soared over the past six months.
Looking for ways to cut your spending right now? Clark talks about the most painless ways to trim your budget in order to increase your savings.
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Clark tells the story of his credit card number being stolen and how quickly things got resolved.
Americans have been saving so much money recently. This is great news. And there's a lot of pent up spending demand that we're likely to see in 2021.
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Many major retailers are ramping up their Covid policies for shoppers as coronavirus cases spike across much of the country.
High-tech digital license plates are the future. They've been in Arizona and California since 2019. But they will be coming to more states soon.
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Advertisers want the ability to target audiences better during streaming. But that comes with a privacy tradeoff.
Companies are finding creative ways to keep their employees engaged and to prevent burnout during the pandemic.
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General Motors is set to offer insurance to customers that will provide lower rates based on safer driving.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Apple will be reducing fees for smaller companies on its app store. But courts are still likely to weigh in on Apple's practice of taking a cut of sales from developers.
Black Friday has been more of a lengthy season than a long weekend this year. But the best deals are just around the corner. Clark discusses how to make sure you score the discounts this time of year.
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Clark gives the details on Amazon's new online pharmacy. Some of the pricing is still pretty opaque but the launch is already having a massive impact on the industry.
The Boeing Max will fly again. The FAA has cleared its return to the skies. Clark talks about how safe it will be to fly on the Boeing Max now.
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People are receiving unexpected bills just for getting a Covid test. Clark tells you how to battle that bill.
Google Photos has announced that they are limiting free photo storage for its users. Clark gives the details along with some thoughts on how to store your photos for cheap or free.
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Preliminary data from the Moderna trials show that it is more than 94% effective.
Picking the right health plan during open enrollment is crucial. Picking the wrong one could cost you hundreds or even thousands of dollars in the upcoming year.
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Major grocery stores are starting to limit quantities on certain items in order to keep specific items in stock.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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The major credit card companies like American Express and Chase are offering rich sign-up bonuses as they try to attract more customers right now.
Covid has impacted where people want to live. More Americans are moving to the suburbs - and this is causing rents to go up.
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California is a notoriously high tax state. But that might be starting to change.
Some new scams are floating around that specifically target people who have fallen on hard times - and many of these scams are stimulus check related.
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Clark talks about celebrating our veterans and also points to ClarkDeals.com for deals that will be available tomorrow.
Clark's Christmas Kids is going to need YOUR help this year because of Covid. Go to ClarksChristmasKids.com to find out how you can help foster children in need this Holiday season.
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Promising vaccine news has caused the stock market to soar upwards. Clark talks about what an effective vaccine will mean for our country and for the economy.
How can you get deals on a hotel during the Holidays? Clark gives you the info you need to know.
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It looks like 2021 will be a year of meaningful economic recovery for the USA.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Rates for savers and borrowers are going down while the stock market is reacting with optimism to the election results that we have in hand.
Clark talks about the important ballot measures that passed in states across America.
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As people are spending more time in their homes, they are starting to spend more to fix them up. That means that the appliance repair industry is seeing a boon in business.
Credit card companies like Capital One and American Express are spending lots of money to score new customers - even as they cut the spending limits of other current customers.
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Cruise ships are now allowed to sail again, but with strict rules to protect health.
The Labor Department has issues new rules to prevent ESG investing. Clark talks about what this rule means and whether you should be investing in ESG funds or not.
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Debt collectors will now be allowed to contact you via social media. Clark tells you how to protect yourself in this new era of debt collector access.
The HSA is still one of the greatest retirement tools around. But most people don't use it as a way to save and invest for the long-term. Clark discusses how you can use an HSA effectively if you have access to one.
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People are spending meaningful amounts of money to renovate their homes now. Clark talks about how to proceed and what to look for when you're vetting contractors.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Clark discusses the tax bracket changes for 2020 and how that impacts the way you handle your money.
We're in a tough position in our country. Tens of millions of Americans face eviction because of Covid's impact. Clark talks about important ways to proceed with your landlord if you're having a tough time paying rent.
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The stock market is having a tough day. Clark talks about how investors are seeing the increase in Covid cases - and how you should approach your investments right now.
T-Mobile has a new streaming offering. It's not bad but there are better options out there. Clark also talks about the incredibly cheap Boost Mobile cell phone plans.
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In the absence of political action, people with federal student loans will have to start paying on those loans again in January. Clark tells you what to do if you can't afford those loans though.
Clark talks about where Americans are allowed to travel right now and what testing is required in order to visit those destinations. He also discusses what's going on with middle seats on the major airlines.
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What will happen to oil and gas as renewables continue to get cheaper and more robust? Clark gives his thoughts.
Americans working from home are running into data caps that limit their ability to get their work done. Or do anything on the internet!
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Here's a link to the SBA form in order to get forgiveness for your PPP loan. Learn more about your ad choices. Visit megaphone.fm/adchoices
As we get closer to the end of the year, make sure that you don't leave any vacation days on the table!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Open enrollment starts in early November. Clark tells you what you need to know before open enrollment begins.
If you are buying a new cell phone and want top dollar for your old one, make sure you listen to this!
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Scam emails are flooding inboxes as we draw nearer to the election. The FBI has issued a warning and Clark tells you what to watch out for.
Amazon Prime day was a raging success for the company. Clark also talks about the incredible amount of fake reviews on websites of companies like Amazon, Walmart, and Target.
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The major tech companies are in hot water in Washington D.C. right now. Clark talks about what's happening and why the lawsuit against Google is making waves.
Covid has obviously had a major impact on the American economy. Clark discusses where things currently stand.
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Some jobs are actually in high demand right now. Clark discusses where the opportunities are.
The Boeing Max will start making flights again in December.
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Walmart has just announced its Black Friday plans. Clark talks about where the best deals will be and how Black Friday will shake out this year.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Small businesses are more optimistic. Some of this is thanks to the reality on the ground of increased foot traffic and higher sales. This is good new for the economic recovery.
Rents are going up in the suburbs and rents are going down in cities.
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Delta Airlines just announced that they lost over $5 billion in Q3. The travel recovery could take a while and Clark discusses how the difficulty in the travel space affects you and your wallet.
Is your brokerage account at risk? Clark talks about what you can do to keep your investing dollars safe.
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How should the upcoming election change your investments? Clark discusses that and the low rates that savers are currently enduring.
Clark discusses the tax breaks you might qualify for if you've been working from home for most of 2020.
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Investing app Robinhood has acknowledged that some of its customers may have been targeted by hackers.
The SBA is making the forgiveness process for smaller PPP loans easier.
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Clark has discussed grocery delivery and curbside pickups, but Consumer Reports has a new review of meal delivery kits that's worth sharing. While they can get expensive, it might be a better choice than takeout.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Southwest asks employees to accept pay cuts to avoid furloughs. The airlines and the travel industry as a whole are having a really hard time anticipating demand as consumers wait until the last minute to book airfare.
Different apps now allow Americans access to their paychecks ahead of time. But these apps are a bad idea and can cause you to live not just paycheck to paycheck, but day to day.
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Clark discusses the importance of getting a flu shot - especially given the fact that the pandemic is still wreaking havoc in our country.
What is the timeline in order to get the best deals while you are doing your holiday shopping? Clark breaks down which dates will see the lowest prices on a range of items that might be on your list.
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Verizon has a new offering that will help rural folks get decent internet speeds in their home. Clark also mentions a fantastic new unlimited cell phone plan from Metro by T-Mobile.
The economic recovery is hitting a stall. Clark talks about that and how Trump's Covid diagnosis will affect the economy as a whole.
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Roughly 80% of Americans have less purchasing power now than they did a decade ago. This is not good news! Clark discusses the significance of what this new Census bureau report means.
The X1 credit card looks at your income to decide whether or not you qualify, not your credit score. This is helpful for a lot of people seeking credit.
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Small business owners that took out PPP loans have been worried about how forgiveness for those loans will work. The Treasury department finally announced that they will begin processing those forgiveness applications starting either this week or next.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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A new report finds that teachers are paid less than non-teacher, college-educated workers. That's a problem.
Fake debt collectors are on the rise. Clark tells you what to watch out for.
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The airlines are set to lay off tens of thousands of employees as government bailout funds run dry and the travel industry remains disrupted. Disney has also announced that it is laying off 28,00 of its employees.
Clark talks about the healthcare options that Americans have if they do lose their job. It's incredibly important to go to Healthcare.gov to see your options. The subsidies available to you could make a healthcare plan incredibly cheap or even free for you and your family.
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Supermarkets are stocking up before Fall hits in case there's a surge in Covid cases.
Apartment vacancies are up. So there's more room for you to negotiate concessions with your landlord. But to get the best deal, you have to be willing to walk.
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Americans are actually less divided than our elected officials seem to be. They tend to agree on fiscal policy like the minimum wage and affordable child care.
Amazon has announced that Prime Day will be on October 13 & 14. The Christmas deals appear poised to come in October and November this year. Amazon has also launched a camera with a drone to monitor your home.
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Tesla is leading the charge towards cheaper batteries. And that is going to have a major impact on consumer energy bills going forward.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Fewer Americans are listing their homes for sale. And as interest rates continue to remain low, that is driving up home prices.
Artificial intelligence is changing how we react after getting into a car accident. These tech developments will also majorly help adjusters do their work in a more efficient manner.
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A new rule gives employers more leeway when it comes to how they classify employees. Clark discusses the pros and cons of this move as well as how employers should treat non salaried employees.
If you are willing to travel right now, Southwest has an offer that's pretty hard to refuse.
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Clark discusses how to handle overwhelming hospital bills. It's absolutely crucial not to pay that bill with a credit card.
There are some positive signs about how small businesses have survived are faring. There is likely still some need for further stimulus to keep businesses afloat.
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There is a federal moratorium on evicting tenants who can't pay right now. Clark discusses free software that is available to help you fight back if your landlord is wrongfully trying to evict you.
Walmart is raising pay for 165,000 workers. They are creating new leadership roles for many employees and a new structure for how they pay employees as well.
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A lot of Americans opt to take social security when they are first eligible. But this can cost you a whole lot of money in the long run. Clark discusses why it is so important to delay taking social security if that is possible in your life.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.
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Telemedicine is taking off right now. And it's actually better for your health, too.
There are all sorts of positive signs in the job market. Clark talks about Hobby Lobby raising its minimum wage to $17 an hour, new job training programs, and more.
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Stats show that Americans who have been able to work from home during the pandemic would love to be able to continue doing so when things get back to normal. But a large number of employers are ready to bring their employees back into the office.
Football is Clark's favorite sport. And he is so glad that it's back!
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Many Americans who can are saving more of their income. This bodes well as the economy continues to recover as the spenders will be able to meaningfully support that recovery.
USPS delays are having a real impact on the delivery of important medications. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about what has led to the wildfires in California and what policies need to be implemented to avoid such devastation in the future.
Link for a listener - Marketwatch's Best Places to Retire tool.
Verizon just bought Tracfone. This will intensify the price cutting in the industry. That's great news for consumers! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how the economy has changed since Covid-19 became a reality in our lives. And his wife Lane joins him to pose your questions - all of which are related to how you should navigate the financial waters given the current state of things. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retailers are likely to start offering bargains earlier than normal this year. You could find some great bargains in October instead of having to wait until November!
There is a used car shortage in our country which is pushing up the value of older vehicles. If you have an older car sitting around that you don't need, consider selling it. Learn more about your ad choices. Visit megaphone.fm/adchoices
If you need unlimited data, Mint Mobile just launched one of the best plans that is pretty inexpensive - only $30 a month when you pay up front. Check it out on their website.
FedEx is going on a hiring spree ahead of the holidays. If you are looking for work, check out the job postings from FedEx. Learn more about your ad choices. Visit megaphone.fm/adchoices
The stock market has started to experience some volatility - particularly in the tech sector. Clark talks about how that should impact how you invest your money.
If you cannot afford to pay your rent right now, you can avoid eviction by filling out this CDC form. Learn more about your ad choices. Visit megaphone.fm/adchoices
NHTSA has released a new free app that makes it easy for consumers to check for any outstanding recalls on their vehicle.
Dollar store chains are starting to get more in-store traffic as a large segment of hurting consumers turn there for lower prices. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart Plus just launched with a $98 annual fee in an attempt to take market share from Amazon. The perks will include fast shipping on a lot of items - many of which you can get the same day you place the order!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apple will be releasing 5G iPhones in the Fall. Don't buy an iPhone until those are released!
Clark talks about the states that are having the most financial difficulty right now and how that will affect you. Taxes could go up and services could get cut. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Federal reserve has signaled that it won't do much to reign in inflation right now. Clark discusses what that means for your money in the near future. Savers, in particular, are getting their clocks cleaned.
Some companies are putting employees under a gag order if they have symptoms of Covid. Clark is not in favor of companies adopting these sorts of policies. They are unsafe! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how the executive orders are rolling out. And will there be another stimulus package? It's likely. But it's hard to know when Congress will come to an agreement.
Delta, Alaska, and American Airlines join United in dropping airline change fees & a flying car was tested successfully in Japan! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark was diagnosed with prostate cancer over a decade ago. But he's in great health still. Staying healthy is important for so many reasons, and your eating habits are a major contributor to your overall health. Check out Clark.com for more info on Clark's work with the Prostate Cancer Foundation.
United Airlines is permanently getting rid of ticket-change fees. This is great news. Those fees are unnecessary. They also cause consumers a lot of frustration and cost them a lot of money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Insurance companies are raking in the profit right now as crime is down and people are driving less. That makes this an excellent time for you to shop with multliple companies in order to score a better rate. You could save a LOT of money every year!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
The new refi fee that Clark talked about last week is being postponed until December. And borrowers who are refinancing smaller loans won't see it at all!
With an influx of Covid scams, freezing your credit is more important than ever. If you haven't frozen your credit, do it soon. It's incredibly quick and free! Learn more about your ad choices. Visit megaphone.fm/adchoices
FloodFactor.com is a great website that can help you assess your home's flood risk. And if you are at a higher risk, you can get flood insurance pretty inexpensively!
There's a new way to get money to pay your tuition at for-profit schools. And no surprise, it's a rip-off too. Learn more about your ad choices. Visit megaphone.fm/adchoices
IRS will stop sending tax notices for now until it clears through a backlog of mailed in returns.
Charles Schwab has a new tool to help with retirement planning. In about 15 minutes you can generate a helpful retirement plan based on your own goals and the probability of funding those goals based on your age and current asset allocation. You can check out the new free tool called Schwab Plan here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Zoom experienced a big crash this morning on the east coast of the US. Clark discusses and talks about the importance of having backup video conferencing options.
The K-shaped economy is increasing the level of income inequality in the country. Clark discusses how to change your income prospects as the Covid economy continues to create real hardship. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retailers like Target are crushing it right now - in large part because they have done an incredible job with click & collect. Clark loves buying stuff and picking them up at nearby national retailers.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
A court has just ruled that Amazon can be held responsible for faulty and unsafe good being sold on its website. Often many of the questionable items are sold by third party sellers but Clark calls on Amazon to clean things up on their site.
The next stimulus bill is taking a while to put together. Clark talks about how the implementation of the recent executive orders is going and what we can expect from a stimulus bill at some point in the future. Learn more about your ad choices. Visit megaphone.fm/adchoices
The stock market has fully rebounded since its collapse in the Spring. Apple just hit a $2 trillion valuation while the S&P 500 hit a new milestone as well.
Leases are traditionally one year long. But landlords are becoming more flexible due to the pandemic. So if you would prefer a shorter lease or even to rent month to month, you should ask for that now! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage refinancing just got more expensive thanks to this new fee from Fannie Mae and Freddie Mac.
Apple and Google are acting more and more like a shared monopoly. Case in point, Fortnite has been pulled from both Google and Apple's store for attempting to bypass the fees they impose on sellers. Learn more about your ad choices. Visit megaphone.fm/adchoices
There are some big issues with the postal service right now and it has led to a political firestorm in Washington. But Clark wants to discuss the reforms that are actually needed as the USPS has seen declines in the mail they deliver.
It looks like federal student loans will continue to see payment and interest deferral for the rest of the year due to the President's executive order. There's also a new proposal to change the way income based repayment works which would create some much needed simplification. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark encourages people to look over their spending for the past month or two. Are you still spending on gym memberships or other recurring subscriptions that you aren't really using right now? Cancel them out of your life!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
With rates dropping quickly for savers, iBonds could be a great place to put some money you want liquid in order to get a better return.
Some items are still hard to find at the grocery store. Clark talks about what is going on and the price inflation we're starting to see on lots of grocery items. Learn more about your ad choices. Visit megaphone.fm/adchoices
The President's executive order extends federal unemployment benefits. But what will that look like on the ground in the states? Clark discusses.
Boost Mobile has a new $10 a month plan! Clark talks about that and some of the other best deals right now on cell service. You could save hundreds of dollars a year. Learn more about your ad choices. Visit megaphone.fm/adchoices
People are getting bill collection notifications via text or email that are scams. Especially in these emotional times, be vigilant for scam artists trying to get your personal or financial information.
Life insurance companies want access to medical records in order to speed up life insurance purchases. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the difficulty many are having as federal unemployment benefits run dry in the absence of another stimulus bill. It could lead to an increase in evictions if the federal government doesn't pass another bill soon.
The school year is getting off to a rocky start in many places. As some kids are doing remote learning, others have gone back in person. And the difference in safety precautions varies greatly by school district. Learn more about your ad choices. Visit megaphone.fm/adchoices
Gold prices have been soaring. And the gold bugs are touting gold to the masses as the best investment strategy. Clark talks about how you should think about gold in your investment portfolio.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card limits are being cut for many customers by the banks. This is going to drastically hurt the credit scores of many - and in the midst of a pandemic.
AT&T is having an incredibly tough time. The company is losing massive amounts of subscribers which is crushing revenue. Learn more about your ad choices. Visit megaphone.fm/adchoices
With more Americans staying put and hunkering down, the storage unit industry is hurting in a big way.
A new survey from Bankrate shows that almost 50% of Americans have had a reduction in income because of Covid. Pay cuts and furloughs have made things much harder on a lot of folks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Roth 401k's make more sense than traditional 401k's for a lot of people. Clark discusses why that is the case.
Wendy's has launched a rewards program. Starbucks just made changes to its rewards program. Clark talks about which ones he uses and how he's able to use these rewards programs and apps in order to score discounts and free food. Learn more about your ad choices. Visit megaphone.fm/adchoices
Are you eligible for food stamps? Many more Americans might qualify right now.
A new email service will charge you $100 a year for an email address but they offer you privacy in return. Clark has other free options that he shares also. Learn more about your ad choices. Visit megaphone.fm/adchoices
CVS in Oklahoma was fined for prescription errors and poor staffing. Pharmacists need to be treated better!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Lantern and Cake are newer websites that do a great job helping people plan for the future and do some estate planning.
If you will let your insurance company monitor your driving you can score some major discounts and save a lot of money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon has created a new shopping cart that allows you to skip the checkout line. Walmart is working on something similar that will create efficiency and limit human contact.
Acorns has created Acorns Early to help you start invest for your child's future. If you have a child born in 2020 the account is free until they turn 18! Learn more about your ad choices. Visit megaphone.fm/adchoices
In some states, almost 1/4 of citizens are without health coverage due to the pandemic and having lost their job. Clark talks about where to look for healthcare coverage. You should specifically look to the healthcare exchange at Healthcare.gov. You may be eligible for a heavily subsidized policy if your income has been drastically reduced.
Clark discusses the state of the housing market and how things are shaping up in regards to inventory and pricing. Learn more about your ad choices. Visit megaphone.fm/adchoices
Pharmaceutical chain Walgreens will be adding doctors offices to stores around the country. The Walgreens model will be unique as you'll be able to see a primary care doctor there.
People are paying down credit card debt in a big way since the pandemic began. This is great news. Learn more about your ad choices. Visit megaphone.fm/adchoices
Garmin services went down after a ransomware attack. This affects user data for Garmin users but the implications of this breach go even further. Clark discusses.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stimulus bill talks are heating up in Washington. As Covid cases are increasing in many states, legislators are starting to talk about what it should look like to provide further financial relief to affected Americans.
Buzzfeed News is reporting that the personal information of Instacart shoppers is being sold online. This includes names, addresses, credit card data, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices
Black Friday is going to be very different this year. Walmart has announced that they won't be open on Thanksgiving and that will likely cause a lot of other retailers to follow suit.
Some universities are offering tuition discounts this year. Others aren't. Clark gives alternatives to consider if the school you or your child attends isn't offering a Covid discount. Learn more about your ad choices. Visit megaphone.fm/adchoices
As states and municipalities begin to do away with eviction moratoriums, it's important to know how to protect yourself. Clark discusses how you can work with your landlord to potentially get out of a lease.
Flights are getting more crowded as more people get back onto airplanes. Clark discusses the specific airline passenger limits and what you need to know before you fly. Learn more about your ad choices. Visit megaphone.fm/adchoices
Different stimulus proposals are making the rounds. Clark discusses what he believes will be a part of the next relief package.
Major retailers are now requiring that you wear a mask in order to shop in person. And as the biggest retailers in the country have developed policies, many smaller businesses are following suit. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates have fallen. And you can now get a 30-year mortgage under 3%! Clark is a big fan of 15-year mortgages though because of the even lower rates those carry.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hackers broke into the Twitter accounts of prominent politicians and business leaders to send a message about a Bitcoin scam that claimed to double people's money.
It's easier than ever for small businesses to file for Chapter 11 bankruptcy. Clark tells you what you need to know if your business is in big financial trouble right now. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart is going to require customers to wear masks starting July 20.
Clark discusses new data on the economic recovery. He talks about which sectors are doing well and which ones aren't - and how that's affecting jobs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about what is currently happening in the economy as Covid cases rise in many states.
Booking travel is still fraught with issues right now. Clark discusses how to think about safety when traveling and booking travel in the midst of the pandemic. Learn more about your ad choices. Visit megaphone.fm/adchoices
The deadline to file your taxes is on Wednesday. And Clark discusses the importance of filing a return no matter what your situation is.
Auto manufacturer Ford promises to take back any Ford car that you buy if you lose your job - as long as you finance your vehicle with Ford as well. Learn more about your ad choices. Visit megaphone.fm/adchoices
Because of Covid, cars are being driven a lot less. And some animals are finding a new home. So Clark discusses how to take care of your car and keep it in good shape even if you don't have anywhere you need to drive.
Conference calls can be a frustrating new part of your daily life. Clark talks about how you can make them easier and less annoying. Learn more about your ad choices. Visit megaphone.fm/adchoices
People are buying a lot of puppies and other pets because of the pandemic. Clark makes a pitch for getting a rescue puppy.
Investing continues to get cheaper for the average American. Learn more about your ad choices. Visit megaphone.fm/adchoices
It seems like every sector of the economy is impacted by Covid in one way or another. Banking is no different. Clark talks about how your relationship with your bank will change because of the virus.
Takeout is becoming incredibly important to the survival of local restaurants. Learn more about your ad choices. Visit megaphone.fm/adchoices
Curbside pickup is becoming more normal these days. And even major companies like Aldi and Sam's Club have both started doing curbside pickup.
A large percentage of Americans feel like their retirement has been destroyed because of Covid's effects on the economy and the stock market. Learn more about your ad choices. Visit megaphone.fm/adchoices
The ACSI just came out and lists the cell phone companies that have the best customer service.
Covid-19 has caused some cities to look at how they design for alternative forms of transportation - and many are prioritizing bike commuting right now. Learn more about your ad choices. Visit megaphone.fm/adchoices
Community college is a big time money saver. And it might make even more sense for lots of kids in the Fall.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Millions of loan payments aren't being made right now. But it's actually not as bad as some people thought it might be.
Many near-retirees are having a hard time thinking about how they should handle their investments right now. Clark gives his thoughts. Learn more about your ad choices. Visit megaphone.fm/adchoices
The travel insurance industry has had massive problems during the pandemic. Clark tells you how to buy travel insurance moving forward.
People are moving across the country in much greater numbers right now for more opportunities or a better life. Remote work is definitely contributing to this as well. Learn more about your ad choices. Visit megaphone.fm/adchoices
There are ways to keep your food fresh for longer. And it's more important as grocery prices continue to rise.
Re-balancing your portfolio can be important from time to time. And right after stocks have moved a good bit might mean it's wise to check your holding. But remember, it's important to keep your time horizon in mind before you make any changes too. Learn more about your ad choices. Visit megaphone.fm/adchoices
New 401k rules allow for individual investors to invest in private equity. Clark is not a fan of this.
Clark gives suggestions on how to ask for a raise...and actually get one. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most people thought that car buying would take place online in the future - in large part as a response to the pandemic. But Americans are already returning to car dealerships!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart is offering its workers increased access to education benefits that go beyond just getting a college degree.
Vanguard's digital advisor service is making robo-advising even cheaper and more accessible for people. Learn more about your ad choices. Visit megaphone.fm/adchoices
Overdraft fees are the worst. Mostly because they can be avoided!
Pay cuts have become more common during the pandemic. Many employers are choosing pay reductions instead of letting employees go completely. Learn more about your ad choices. Visit megaphone.fm/adchoices
Unused gift cards need to be used as soon as possible. As more retailers file for bankruptcy those gift cards become worthless.
Debt collectors are taking more aggressive tactics to claw back money from people that owe. Clark tells you what to watch out for. Learn more about your ad choices. Visit megaphone.fm/adchoices
As we do more shopping online, scammers are more likely to take over individual credit card accounts. So freeze your credit and check your statements and watch out for phishing scams.
Renter background checks help landlords decide who they will rent to. But they aren't always accurate. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about what to do for your dad in the middle of a pandemic.
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the current state of the economy including what is happening with unemployment. Also, high earners in society have been spending a whole lot less which isn't helping the recovery.
Getting PPP forgiveness will be easier for small businesses with smaller PPP loans. Learn more about your ad choices. Visit megaphone.fm/adchoices
Target is raising the minimum wage. Pay has gotten much better for retail workers in recent years and that trend is continuing.
T-Mobile experienced a massive network outage yesterday. Clark talks about what went down and how you should look to communicate in case your internet or cell network goes down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retail sales rose a record 18% in May. That's the biggest monthly increase since 1992. Clark discusses what this means for the economy.
The SBA EIDL program has been hard to follow with rules that have changed frequently. But the SBA just re-opened EIDL loans for small businesses who have been hit hard by the pandemic. You can call 1-800-659-2955 or email disastercustomerservice@sba.gov for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hertz is selling off cars. But should you buy one? Clark tells you what to watch out for and what is important when buying a used car.
Certain activities are riskier right now. Clark talks about how to weigh the pros and cons of partaking in some activities as Covid-19 is still a real issue. Learn more about your ad choices. Visit megaphone.fm/adchoices
With many payments being deferred right now some creditors are making inaccurate reports to the credit bureaus. So watch your credit score closely!
Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
The stock market took a big dip today. There are a few reasons for this and Clark explains.
Amazon and Goldman Sachs have joined together to offer small business lines of credit. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clarkdeals.com has been busy because deals currently abound. Clark talks about the best deals he's currently seeing.
Small investors are buying incredibly risky stocks right now. There's a strong chance that will come back to bite them. Learn more about your ad choices. Visit megaphone.fm/adchoices
Used car prices had fallen a good bit recently because of the pandemic. But the time for used car deals is over as demand has skyrocketed.
Some people have accidentally thrown away their stimulus money. That's because it came in the form of a debit card in an unmarked envelope. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some economists are saying that we aren't in a recession any longer. That's hard to understand when unemployment is still off the charts. Clark discusses the current situation of our economy.
Ticketmaster has a new refund policy. Clark explains the details. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the great dilemma of whether or not schools should open in the Fall.
Rates for taking on student loans in the Fall have plummeted. And CD's might be better than a savings account right now. Learn more about your ad choices. Visit megaphone.fm/adchoices
The CARES Act allows employers to make a decision on whether or not you can change the healthcare plan you are currently enrolled in.
There are more scams floating around right now. Clark tells you what scams are popular right now and how to avoid getting taken. Learn more about your ad choices. Visit megaphone.fm/adchoices
Store brands and generics are doing incredibly well right now. But they have always been a good money saving idea.
A lot of people are having a tough time right now. But almost 9 out of 10 people have been able to pay rent on time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon has solid tablets at really great prices. And they have just released a new version.
PayPal's older credit card offering just wasn't that great. But the new one is definitely worth considering! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses how you should go about job hunting in today's environment.
People are starting to drive again in larger numbers. Gas prices are lower than they were before the lockdown began so that's a silver lining. Learn more about your ad choices. Visit megaphone.fm/adchoices
Delivery services cost small businesses money. So many are opting to ditch the delivery services and Clark discusses how you can continue to support them.
Using app like Venmo and Cash app are great for paying people that you know. But scammers are using these apps to swindle people out of their money. Clark tells you what to watch out for. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark goes over a survey that shows what the average monthly expenses are for Americans.
Some of the big food products, especially snack foods, are coming back in vogue these days. Learn more about your ad choices. Visit megaphone.fm/adchoices
When you are traveling this Summer, if you are staying in a hotel, it's important to stay safe. Clark tells you how to do that.
An awkward and opaque letter will be coming to investors in the coming weeks. Clark bring some clarity to what this fiduciary disclosure means. Learn more about your ad choices. Visit megaphone.fm/adchoices
Cobra benefits are going to be offered to you if you lose your job in many cases. But those benefits can be EXPENSIVE. Clark discusses what the decision to get Cobra should entail.
Should you go back to school in the Fall? That's a very real question. You might not be getting what you are paying for if Zoom calls are the likely classroom. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart just launched Walmart Express which promises 2-hour delivery.
Many people assumed that home prices would fall as a result of the pandemic and increased unemployment. But home prices have actually gone up. Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some restaurants have come under fire for charging Covid-related surcharges. But the revenue is down and expenses are up for most local restaurants.
Clark Stinks makes a return to the show this week! If you have a Clark Stinks to share go to Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
At-home exams for life insurance are starting to become the norm instead of being the exception to the rule. Buy life insurance on the internet in order to avoid the hassle.
A lot of hiring isn't going to take place on the giant career websites. Look to horizontal job platforms for sector-specific job opportunities during the recovery. Learn more about your ad choices. Visit megaphone.fm/adchoices
The phone lines could be tied up at your bank or lender as MANY people are seeking relief. Clark tells you what to do.
Second home communities will likely have a tough time for a while. Prices will likely go down for homes in these locations. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart has been one of the biggest quarantine winners as earnings have gone up substantially.
Cyber insurance is becoming an even bigger necessity as more people are working from home. But it's also getting more expensive. Learn more about your ad choices. Visit megaphone.fm/adchoices
New mortgage forbearance rules are great for people who are having a hard time paying their mortgage right now.
The stock market is doing well today thanks to progress on a potential vaccine for Covid. This shows how much we all want good news right now. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retail sales were even worse in April than economists expected.
Clark Stinks is back! You can contribute to this segment by sharing the ways you think Clark Stinks at Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some really helpful guidance on the PPP loans just came out. In particular, the SBA is providing safe harbor for PPP loans under $2 million.
Your credit should not be negatively affected if you can't pay your bill right now. If you've seen your credit score take a hit, stand up for your rights. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how consumer purchasing has changed...and groceries have quickly gotten more expensive.
Misinformation about the virus is rampant - in particular on social media sites.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Airlines and airports are instituting safety requirements if you plan to travel in the near future.
Student loan forbearance has been great for people with student loans. But some people are having their credit negatively affected. Not good. Learn more about your ad choices. Visit megaphone.fm/adchoices
Unemployment has climbed and is worse than the headline number shows. Clark also discusses how manufacturing is opening back up.
Some Americans are being turned away from buying life insurance. Overall, life insurance is harder to get than it was just last month.
The ClarkRave today mentioned Rhonda Roland Shearer's GoFundMe to cut red tape for heroes. You can find that here.
Clark also mentions how to return an economic income payment on this episode. Check out FAQ #41 on IRS.gov in order to find out more. Learn more about your ad choices. Visit megaphone.fm/adchoices
Planning ahead for how to handle the end of mortgage forbearance is smart. Clark tells you how to talk to your mortgage provider if you need more time too.
Clark Stinks makes a return to the show this week! If you have a Clark Stinks to share go to Clark.com/ClarkStinks.
Consumer spending has been different since the pandemic hit. In particular, home workout equipment and bicycles are incredibly popular. Learn more about your ad choices. Visit megaphone.fm/adchoices
Millions of people are covered by a multi-state agreement that will allow individuals with private student loans to put a pause on payments for 90 days.
Google and Apple are helping in a big way with their contact tracing app. Clark discusses what they've done and the potential privacy issues you could encounter.
Many businesses are now requiring that customers wear masks in order to shop there. This has created a really strong backlash in some cases. Learn more about your ad choices. Visit megaphone.fm/adchoices
Costco and some grocery stores are limiting meat purchases as we're experiencing a meat shortage in the country.
Humana is waiving copays for members right now.
Travel reward credit cards are having a hard time getting customers to renew. So they are having to offer additional benefits to keep customers around.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Spending habits have changed during the coronavirus outbreak. But it appears that everyone has cut spending no matter what your state's approach has been to locking things down.
Age discrimination could become an even bigger issue post-Covid.
Americans are saving a much bigger chunk of their money right now. This is good!
How can you keep your car in good running order if you aren't driving it!? Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Employers fear liability from as they bring employees back into the office.
Virtual volunteering might be a great use of your time right now.
Warren Buffet has sold all shares in the major airlines. Their stocks are getting hit hard. Clark talks about the long-term projections for air travel.
Micro businesses are helping keep people afloat in difficult financial times. Starting a super-small side hustle might make sense for you.
Should you take cash out of your home or out of your retirement account? Neither is best. But if those are your choices be sure to listen to what Clark has to say.
Clark mentioned this link to Ticketmaster's blog with their refund terms. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about what his life looks like right now and how his family is handling being cooped up together. There have been some positive benefits!
People are avoiding doctors or going to the hospital right now. That is not safe!
Truck drivers have done a great job keeping the supply chain going but it hasn't been without a lot of hardships and obstacles.
Taking money from your 403b is a particularly terrible idea. You could face massive surrender charges in addition to the taxes you'll have to pay.
If you enjoyed this episode of the Clark Howard Show please hit the subscribe button. And also consider leaving a review on Apple Podcasts - it helps others see the value that this show is providing. Learn more about your ad choices. Visit megaphone.fm/adchoices
Should you still go on Summer vacation? That's the question on a lot of people's minds. Clark talks about how you should think about your upcoming Summer travel.
Costco is making all customers wear face masks if they want to shop in the store. This is making some customers upset. But we're going to have to get used to more and more safety rules being implemented by private businesses.
Some people are trying to time the market right now and are getting burned - in particular by sectors they don't understand very well before they start investing cash.
People are starting to hop back on airplanes. Clark discusses what he thinks a resurgence of air travel should look like.
If you enjoyed this episode of the Clark Howard Show please hit the subscribe button. And also consider leaving a review on Apple Podcasts - it helps others see the value that this show is providing. Learn more about your ad choices. Visit megaphone.fm/adchoices
Florida is doing a terrible job getting unemployment payments to citizens who have applied. California is having a tough time funds to independent contractors, gig workers, and the self employed who are eligible.
Consumer spending has fallen off a cliff. Clark talks about some of the numbers that are coming in and where the American economy stands right now.
Walmart and Paypal are two of the best places to cash your physical stimulus check in order to avoid exorbitant fees.
CVS & Walgreens are ramping up free Covid testing outside stores. Learn more about your ad choices. Visit megaphone.fm/adchoices
Beef and pork prices are likely to rise soon because of the shortage due to Covid. Also, paper goods are making a reappearance on store shelves...finally.
Verizon, AT&T, and Comcast aren't terminating anyone who can't pay through the month of June. They won't charge late fees either.
If you have to take on more debt right now in order to put food on the table, make sure you do it wisely. Clark gives recommendations for where to go to avoid predatory loans that will make your financial situation even worse.
Covid is rapidly changing our economy. The virus is accelerating the decline of businesses that were already having a tough time.
Learn more about your ad choices. Visit megaphone.fm/adchoices
People are getting ripped off buying physical gold right now. Buy a precious metals ETF instead!
The car market has changed rapidly. Clark tells you when the ideal car buying window is.
Has Covid-19 killed the FIRE movement? Lots of headlines suggest that it has, but Clark disagrees.
If you lose or leave your job, what should you do with that old 401k? Learn more about your ad choices. Visit megaphone.fm/adchoices
Some of the states are handling unemployment claims incredibly poorly. Clark talks about how Florida and Texas are having major issues disbursing those funds to people who have lost their jobs.
Google is verifying ad buyers to prevent Covid scams.
Credit card issuers are cutting limits on consumer credit cards. This could make getting through this pandemic even more difficult for many people.
Banks are being stingy when it comes to forbearance terms. Learn more about your ad choices. Visit megaphone.fm/adchoices
The SBA has issued a press release clarifying that bigger companies should not be filing to receive PPP funds. This is good news for small businesses who desperately need the money.
Scam artists have figured out how to steal stimulus checks. Clark tells you how they are doing it and what can be done about it.
It's important to be prepared with your financial information now. Make sure your loved ones know how to access necessary financial documents in the case of emergency.
The housing market is going through an interesting time. Clark discusses that and the increased requests for mortgage forbearance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Congress is on the verge of passing a bill to provide more funding for small businesses. Clark also talks about how many bigger companies took a large chunk of the first round of PPP loans.
The big three U.S. Credit reporting agencies help Americans with more frequent access to credit histories for one year. Great news for consumers!
Americans are poisoning themselves as they attempt to fight the virus through increased cleaning efforts.
Google searches have changed in a big way since a year ago. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oil prices are cratering. Clark talks about why this is happening and what it means for consumers.
Some states are making the decision to re-open parts of the economy. But how quickly things will actually recover will be up to individuals and how safe they feel.
Dealerships aren't taking leased cars back. They are flat out refusing.
How busy is the grocery store? Google has a way to help you find out when the store has fewer people. Learn more about your ad choices. Visit megaphone.fm/adchoices
PPP money ran out towards the end of last week. But a deal is close to secure more funding for loans to help small businesses.
Ticketmaster will be giving refunds for rescheduled or cancelled shows...finally.
College graduates will be entering the toughest job environment since The Great Depression. Clark has some thoughts.
Why pro-rated unemployment is something worth considering. Learn more about your ad choices. Visit megaphone.fm/adchoices
People have not altered their approach to 401k investing. This is good news! Also, here's the link for non-filers to submit stimulus payment info.
Clark talks about how we are going through this together - you are not alone right now.
The headline writers are predicting doom and gloom. But this is unrealistic and it's creating anxiety for no reason.
Apple is releasing a new cheaper SE phone. Learn more about your ad choices. Visit megaphone.fm/adchoices
PPP and EIDL are complete failures. Clark talks about why these programs went so horribly wrong.
Germany is attempting a soft reopening of its economy. Clark thinks they are approaching it well.
A lot more of us are working from home now. But will you get a tax break for it? Clark discusses - and this article is worth reading on the subject.
Robots are improving. And some cleaning robots could save lives and prevent humans from having slowly clean. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the specifics of the airline bailout.
Telemedicine is becoming more and more important. Make sure to not forego necessary medical visits right now...just have them remotely!
Customer no service is a regular problem in the age of Covid-19. Government agencies and many companies are responding in a much less timely manner.
We're all streaming more TV these days. Clark tells you where you can go to stream for FREE! Learn more about your ad choices. Visit megaphone.fm/adchoices
Google & Apple are working together on a contact tracing app. This could help as we seek to remain safe as businesses reopen around the country. We will still need to up our abilities to test people for the virus.
Grocery store workers find themselves at higher risk right now just by going to work. Clark talks about how these workers are being treated. As they put their health at risk, we should be particularly appreciative of their work.
Car buying is undergoing a massive shift as buyers want to avoid face to face negotiations at local dealerships.
Lending standards are starting to tighten. We saw this in the aftermath of the Great Recession and we'll see tighter standards implemented by many lending institutions in the coming months.
Also, you can apply for a PPP loan with Paypal now via this link. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stimulus checks are starting to hit bank accounts. But how should you handle the money you receive? Clark gives his thoughts.
Car insurance companies are sending rebates to customers. Clark gives the specifics on which companies are doling out these refunds.
Ticketmaster and StubHub are not treating their customers well right now.
How should you be investing right now? The market is volatile. Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
When will people be able to go back to work? Clark talks about a potential timeline and what it will look like as the economy attempts to rebound.
The PPP and EIDL loan programs are failing small businesses. And the goalposts keep moving on lending amounts. Also, the big banks need to do a better job at getting this money into the hands of local small business owners.
How can you stay safe at the grocery store? Clark discusses what it should look like the next time you go shopping.
It's pretty hard to watch scams proliferate right now. But that is exactly what's happening. Learn more about your ad choices. Visit megaphone.fm/adchoices
Unemployment numbers are up big today. Clark talks about when the increased unemployment checks will arrive. Also, fintechs are starting to lend to small businesses as part of the PPP program. Online lender Kabbage is taking applications and has a great guide to the PPP for business owners.
The Federal Reserve unveiled a program to offer support to mid-size businesses just this morning.
Exercising during quarantine is so important. It's good for your mental and physical health.
Working from home is standard for many people now. Clark tells you how to do it well - and where to buy new equipment that might help you work better from home for the long-term. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark tells you how to handle a scenario in which you can't pay rent. The key is communication.
The SBA lending progress is still tied up. Clark talks about what is happening on the ground and the changes he would like to see implemented.
The housing market is experiencing a bit of turmoil right now. Many buyers are putting off their search right now. But Clark doesn't think that the housing market will experience a prolonged downturn.
Some private student loan lenders are extending forbearance to borrowers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark interviews Ashley Bell from the SBA in order to find out more on the Paycheck Protection Program and Economic Injury Disaster Loans.
The DOL has issued guidelines to states on unemployment relief. States will now have to write new code on their sites in order to handle the requests
There are great free resources out there for people suffering mental health consequences due to Covid-19.
Clark discusses how to reach out for mortgage relief. If you have a loan with Fannie Mae or Freddie Mac and have lost your job or faced reduced income because of Covid-19 you qualify for loan forbearance. Learn more about your ad choices. Visit megaphone.fm/adchoices
The PPP is off to a really slow start. Clark discusses.
We've got more information on stimulus checks. Clark discusses what we know now.
Some companies are doing great work right now helping their customers. Clark highlights a few.
Creating a will is a great idea right now. Clark tells you how to proceed. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the important updates on how PPP is being implemented and what the latest is with unemployment insurance claims.
Sheltering in places works to keep us safer...and it's better for the future of our economy.
Zoom has gotten some flack for their lack of proper privacy protections for users. Clark mentions some alternatives you should consider.
Robo advisors are seeing people sign up in droves. They do a good job helping people allocate their investments properly. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clarifications have been made about who will receive stimulus money from the government and when that money will come.
State unemployment agencies are still trying to figure out how they process all of the new unemployment claims.
Some people are touting Covid-19 remedies that don't work. Watch out for this.
Stores are stepping up deliveries. Clark talks about how Walgreens is expanding its delivery services right now. Learn more about your ad choices. Visit megaphone.fm/adchoices
The details of the PPP and EIDL programs are a little murky. Clark brings as much clarity as possible to a situation that is rapidly moving trying to help small businesses stay afloat during these difficult times. This article from the Wall Street Journal gives some important details on Paycheck Protection. You can also learn more on the SBA website about PPP here. And if you qualify for an EIDL, this is where you can apply for that relief loan.
What happens if you can't pay rent? Clark tells you how to talk to your landlord and what rights you have right now. This USA Today article offers some important details on your rights as a renter right now.
The three major health insurers are waiving individual health costs incurred due to Covid-19. Some welcome news in these troubled times.
AirBnb is helping hosts cover their costs right now. It's a very different stance from the one VRBO is taking. Learn more about your ad choices. Visit megaphone.fm/adchoices
SBA.gov is the place to apply for economic injury disaster loans. And $10k in funds can be received in the form of a grant if spent on paid leave, maintaining payroll, increased business costs due to Coronavirus disruption, and mortgage or lease obligations that can't currently be met.
Amazon, Whole Foods, and Instacart employees are not happy about current working conditions. Some are walking out on the job. Amazon employees are saying that they aren't being given proper safety aids like masks, gloves, and antiseptics.
Clark talks about how you handle your money until the Stimulus bill funds get into our hands.
Scams are on the rise as Coronavirus worries abound. Learn more about your ad choices. Visit megaphone.fm/adchoices
Funds will soon be flowing to the states for Americans filing for unemployment. Clark discusses more of the details we now know.
The stock market continues to be volatile. Clark tells you what this means for your investments.
Gas prices are down although Americans are driving far less these days. And the Real ID law implementation has been delayed for a year.
Thanks to the stimulus bill, you can take money out of your 401k without penalty. But should you? Probably not. Learn more about your ad choices. Visit megaphone.fm/adchoices
Small businesses and non-profits are seeing real financial relief in the recent stimulus bill. Clark talks about some of the details.
Some of the travel refunds being offered by the airlines aren't that great. Clark tells you how to approach the conversation to get the refund you deserve.
The supply chain is still in working order. It's consumer pre-buying that has led to barren grocery store shelves. But that is a temporary problem that will soon be remedied. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stimulus checks are coming. Clark details the Senate bill and what these stimulus payments will look like and who will receive them.
The stimulus bill also includes provisions for everyone who has a federal student loan. Clark details the benefit for those people too.
You don't have to file your taxes until July 15 now. But what about the contribution deadline for an IRA? The IRS has clarified some of the specifics about filing taxes this year and Clark discusses.
It's so important to take care of those closest to you right now. Clark has thoughts on how to do that and how to do it well. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the stimulus bill deal that finally came together on Wednesday morning. It has not yet become law but some of the details of what this bill looks like have become clear.
If you need relief from credit card bills right now Clark has advice for having that conversation with your credit card company.
Healthcare exchanges might reopen in the face of the Coronavirus pandemic.
Job losses are mounting. But some employers have stepped up their hiring right now. Clark gives you the information. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the Senate relief bill that is still being negotiated. It looks like American families will be receiving direct payments from the government. But how long until we get them in our bank accounts? That is still up in the air.
Automakers are stepping up their efforts to help by making respirators instead of cars.
Clark talks about how to approach your student loans right now. There's help for people with federal student loans but you might have to press to get any help from a private lender.
Volunteer efforts will likely start mobilizing in April to help victims of Coronavirus. Clark discusses what he thinks those efforts will entail. Learn more about your ad choices. Visit megaphone.fm/adchoices
In a tsunami of economic turmoil, Clark talks about the companies that are hiring and where to turn if you are in need of work.
The Fed announced this morning that they will be supporting the markets with massive amounts of quantitative easing.
Work from home scams are popping up in a big way right now. What to watch out for.
Working from home with kids is hard - especially since you are likely having to help them with their schoolwork too. Clark talks about finding a family rhythm during this time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how Taiwan is handling Covid 19. There's a lot of uncertainty right now and economic difficulties are increasing in light of the stricter quarantine situations.
Clark talks about how the mortgage market has changed in recent days. Rates have actually swung UP a good bit - but they won't stay up for long. Learn more about your ad choices. Visit megaphone.fm/adchoices
The market is still experiencing a lot of volatility. Clark discusses how you should approach your retirement account in light of the current turmoil.
Clark discusses what the Coronavirus relief bill means for the American public. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses how the grocery stores are doing and the unique way human beings come together in crisis.
Some travel companies are doing a good job of responding to their customers. Others, not so much. Clark talks about how to approach the travel bookings you already have. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark continues to talk about the fallout from the Coronavirus pandemic. There won't be a way of avoiding a recession, and many American jobs and small businesses are at risk right now.
The government is working on ways to prop up the economy during the pandemic. But they seem to be more focused on big business than individual Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
The stock market had a rough day. But the impacts of the Coronavirus extend far beyond that. Clark discusses stock market reaction, small business difficulties, and how to handle your personal finances in these uncertain times.
Clark also discusses the Fed injecting cash into the economy, mortgage refinancing, and the current travel situation as well. Learn more about your ad choices. Visit megaphone.fm/adchoices
Savings bonds are great place to put money these days. They could be a better option for you instead of a savings account or CD.
Ikea is recalling more dressers. Clark tells you what to watch out for and how to keep your kids safe. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates have sunk to historic lows. But there's a LOT you need to know before you pull the trigger on a refinance.
Fifth Third Bank is being sued by the CFPB stating that the bank opened up fraudulent accounts in customers names without their knowledge. Sounds like Fifth Third took a page out of the Wells Fargo playbook!
We officially hit bear market territory yesterday. Clark tells you what to do with your investments and how to think about Learn more about your ad choices. Visit megaphone.fm/adchoices
As the WHO has called coronavirus a pandemic, there are many ways this impacts individual Americans. Clark says that our politicians are failing us and should be putting a higher priority on public health. He also talks about how we should approach our personal finances in light of the current scary health conditions.
Travel companies are having a difficult time and the travel cancellation policies are being changed as coronavirus facts come in. Clark tells you what you need to know. Learn more about your ad choices. Visit megaphone.fm/adchoices
It's hard to know how your financial advisor is being paid. And it recently became even more difficult to figure it out. The CFP board is no longer noting how planners are paid on the site LetsMakeAPlan.org. Since the CFP board isn't going to help consumers out, you'll need to help yourself and ask your advisor specific questions before you enter into a relationship. And make sure that any planner you choose to work with is a fee-only planner who has a fiduciary responsibility to his or her clients.
‘Limit 5 per member’ – seen at Costco regarding sanitation wipes as people were trying to buy entire palette quantities. In times of uncertainty, people tend to hoard. There’s been a run on hand sanitizers and toilet paper as well. Think through what you actually need. We need to make sure there’s enough for all. Hoarders create false shortages. Manufacturers catch up and supplies are restored so don’t take on more than you need. Think before you buy too much.
Cable monopolies are fighting new regulation to restrict their spying on consumer internet activity for sale. Receiving free Google services in return for data sales is one thing. But most of us are prisoners of a monopoly internet provider. We’re paying huge money for access while they’re spying on all we do and selling it off. Google at least now allows you to see and delete their collected info on you and set up auto deletion. Maine passed a law requiring privacy and the state is being sued by the cable monopolies, alleging Maine is discriminating against them. Firefox to the rescue with a new, free encrypted service to cut off almost all spying from the cable monopolies. Defeat their lobbying power in a now corrupted Congress by using the Firefox encrypted browser and surf in relative privacy. Those who said the only way to preserve privacy is to carry no tech and separate from the grid have turned out to be right. Learn more about your ad choices. Visit megaphone.fm/adchoices
The market is now past a 52 week low and global markets are in panic mode. Global markets are related to an undeclared war between Putin and the U.S. The U.S. has become the world’s most important energy market - natural gas and oil combined. Putin is exploiting the outbreak to undermine the U.S. economy in an attempt to destroy the U.S. hydraulic fracking industry by flooding the world market with oil Russian can produce at a cheaper price per barrel. Putin has engineered a collapse in the price of oil by making it clear he’ll flood the market beyond demand to starve the U.S. oil industry for revenue. This has led markets to expect recession. Oil prices collapsed by unprecedented amounts today. Unless this corrects in the next several days, we’ll see a 30 to 50 cent per gallon drop in gas prices over the next few weeks. But Putin’s long game is to destabilize the U.S. using the backdrop of depressed demand for fuel due to the outbreak, as a way to drive a dagger through the U.S. economy.
The SEC has released several warnings about phony emails circulating claiming treatments and cures for coronavirus. These ‘pumps and dumps’ are occurring heavily in social media and elsewhere, claiming biomedical breakthroughs. In reality, crooks buy stock in a failed enterprise and try to bid up the price by lying to people. As soon as they run the price up, they sell their shares and investors are left with nothing. Be wary of ‘incredible opportunities’ to score money. State and federal authorities are also warning against fake charities soliciting to provide relief to coronavirus victims. Only give to organizations you know are real to avoid the scams.
AT&T TV is being heavily marketed at $49.99 – but after clicking to sign up, the junk fees kick in. There are massive penalties to cancel a 2 year contract. No other streaming service asks that. Sleazy, underhanded, deceptive and wrong. Driven by fear and desperation, they impose a 2 year contract and only tell you the price for the first year, but you can’t get out of the second year at double price + junk fees – without paying a massive termination fee. Ridiculous. DirecTV and AT&T internet customers will get the pitch. Know it’s garbage and there are much better alternatives. Hopefully AT&T will come to its senses and compete with integrity. Rebuttal welcome. This is a lousy way to treat brand loyal customers and others. Their other streaming service, AT&T TV NOW gives you the ability to cancel with no penalty. Confusing much? See our streaming guide Learn more about your ad choices. Visit megaphone.fm/adchoices
Pitches to get into private real estate ventures are prevalent now. Investors own percentages of several properties from dozens to thousands. With little disclosure required in private placements vs. publically traded ventures, the big pitch promises boosted returns. When you put your money in, you're relying on their promises and you can not get your money out of these illiquid investments. Often there are huge commission fees involved. If you don't care to own and manage individual properties, buy public investments from low cost Vanguard, Schwab or Fidelity. They all offer REITs you can buy in and out of at will, no commissions.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Life insurance agents are only there to pitch policies with some kind of add-on - the equivalent of a savings or investment account, or something they claim can be used for retirement, will ultimately pay for itself, etc. They have to push ultra-complicated policies to gain more commissions. A straight up policy isn't worth their time. Complicated policies have very high commissions and high costs for consumers. Think whole life, variable life, universal variable life, index universal life etc. When the name gets long, it gets bad for your wallet. For those of use who earn less than $400k, level term life insurance makes sense - derisively referred to by agents as 'just death insurance'. The purpose of life insurance is to provide for the living after you're gone - replacement of income for family. And nothing does that more efficiently or cheaper than level term insurance. In general, buy 10 times what you earn per year. Level term offers coverage for 10 to 30 years that pays only if you die during the term. If you outlive it, it pays out nothing. But premiums are hyper cheap and won't impact your living standard. See our buying guide to insure and protect your family.
For investors, fears of market losses are common. The market bottomed in 2009, essentially tripled by 2016 and has risen since. Many believe we're on borrowed time. Investing goes through cycles, and some investors are compelled to move their money into safe, stable choices, like CDs. But even if the market fell off a cliff next week and stayed that way for a few years, for anyone in their 40s or younger, this would have no long term effect. It might actually make you more money to just stay the course and leave your money well diversified. The easiest answer for most of us is the target retirement fund closest to the year of your retirement. Remember when the market tanks, every contribution buys more shares for the same money. When the market eventually recovers, it boomerangs to give you more money than you would have had in a steady market. Declines are your friend the younger you are. Closer to retirement your portfolio should be more conservative, but you don't stop putting money into the market. Just dial back risk at 60, as you may live another 30 years. Being older doesn't mean you bag investing. You simply reduce risk, done automatically by target retirement funds, while maintaining opportunity for meaningful gain over time. Learn more about your ad choices. Visit megaphone.fm/adchoices
We’re moving into the home renovation season. The National Association of Realtors and National Association of the Remodeling Industry | NARI conduct value studies and have found that a homeowner will get back 50 cents on the dollar for a kitchen remodel. So a 10k kitchen redo will increase the value of your home $5900 at best. The return on adding a master bedroom suite also yields around half. What does pay? Hardwood flooring, HVAC updates and insulating come close to recovering costs. Clark’s simple rule: The reason you renovate or add on to a home is enjoyment. Don’t con yourself into thinking you’re investing for a positive return in cash.
People are stretching their dollars by taking advantage of how much things depreciate from new to used, particularly in the area of high end women’s clothing. Nordstrom is now actively selling used clothes, joining Macy’s and others. Independents include ThredUp, and TheRealReal. Used furniture is another high depreciation category – not so much for upholstered furniture. If relocating, check Freecycle and Craigslist for furniture. Learn more about your ad choices. Visit megaphone.fm/adchoices
The SECURE act has brought changes to how retirement accounts work, how they're taxed and inherited. Pre-taxed money goes into traditional IRAs. Contributions + earnings are all taxable upon withdrawal. With SECURE Act changes and tax rates only expected to rise in the future due to massive budget deficits, there's a big advantage to convert money over time from traditional to Roth IRAs. Once you pay the taxes at today's lower rates, that money becomes tax free for the rest of your life. Also, it's best for beneficiaries to inherit a Roth IRA vs. a traditional. If you have IRA money and can pay the tax, come up with a plan to steadily move the money over years. Exception: those who make more than $350k a year. Everyone else will see benefit from moving money to a Roth.
Business owners have the responsibility to treat employees well and let them know their voices are heard. Truth: Most employers aren't very good at truly appreciating the people who work for them. But valuing employees is key to success. You treat employees well, they in turn treat the customers well - everybody wins. Lip service doesn't count. Actions do. How do you let your workers know they're truly valued? Interests have to be aligned. Employees need to understand how they benefit from the success of the business. A paycheck isn't enough. Many workers now need to know that what they're doing benefits society. If you as a worker feel you're not valued and the workplace is unpleasant or the culture is corrosive, search the strong job market and find a place that really does value you. Learn more about your ad choices. Visit megaphone.fm/adchoices
The pharmacy business is shifting and market share is moving to a smaller number of players. CVS and Walgreens are taking a huge volume of prescriptions. Many with employer insurance use mail order pharmacies. Others are free agents using supermarkets, warehouse clubs or independent pharmacies. If you don't have pharmacy benefits, check your options. Take Walmart's $4 Rx list with you to doctor appointments for direct prescribing there and save. Know that the cheapest overall place is Costco pharmacy, and Good Rx provides transparency and potential discounts. Some pharmaceutical manufacturers provide help with costly prescriptions. Some PBM - pharmacy benefit managers via employment - will not approve some costly meds. If you have an Rx benefit that turns you down for coverage, many drug companies offer enormous help with a coupon to obtain that med free for a year or at a monthly discount. The more questions you ask and the more you look around, the more you'll save.
See our continually updated cell phone plan guide to pay as little as you can for reliable service. Now there's a plan offering unlimited talk and text for free, via ads- from TextNow, with a $10 SIM card. Unlimited data with Wi-Fi, otherwise talk & text only when roaming. TING allows use over multiple networks including Verizon and Sprint, and offers purchase of minutes and text blocks for under $10 a month. You can also buy data, but it's not a deal if you need a lot. Learn more about your ad choices. Visit megaphone.fm/adchoices
Recently Clark discussed how AT&T issues refunds on stored value cards. These cards are intentionally tricky to spend down – disallowing partial payments by design to keep some of your money through ‘breakage’. Several tax preparation services are now trying to sell customers on accepting their refunds on stored value cards or even Amazon gift cards. These cards have ridiculous junk fees – monthly fees, per transaction fees etc. Putting a tax refund on any kind of spending card is a bad idea. The best use of a tax refund is to pay down debt or contribute to a Roth. Don’t fall for these pitches. They’re all about you spending, paying fees, and giving them the ‘breakage’ money left on the card that you end up forfeiting. It’s your money!
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Being stuck in an apartment lease when you need to move quickly is a long time problem. Very few leases have any kind of out. Now, a company called Landing, designed around the lifestyles of young adults, rents through membership agreements. You rent an apartment within their system, and are allowed to move to any other property in the Landing system on 3 days’ notice – no penalty. This allows the nomad in you to wander. You pay $200 a year for this advantage. If you choose to move outside Landing, you need to give 30 days’ notice – still no penalty. Landing operates in several states now with plans to be in most major cities by year’s end. Wouldn’t this work well for retirees as well as a way to travel and experience new places? Landing provides ultimate flexibility. Units come furnished so moving is easy.
MGM resorts has been hit by a massive data breach affecting roughly 11 million people. Criminals got email, phone numbers and physical addresses – ‘phone book information’. Marriot suffered a large breach a year and a half ago. Potentially half a billion people around the world are exposed through hotel chain hacks. Consider having a specialized email address. Don’t compromise your main personal email at the heart of your life and data. Have a separate email address for commercial activity.
The core to saving on meds is to be proactive. Before a provider writes a script, you can check costs and offer an alternative. Have a pricelist from your pharmacy, check your prescription drug plan. You can use a discount program like GoodRx and spend less by not going through insurance. See our guide comparing 5 major prescription drug programs: SingleCare, GoodRx, Blink Health, RxSaver and WellRx. Among the 15 common meds tested, RxSaver was consistently the cheapest, but that doesn’t mean it will always be. GoodRx came in next. We discovered that using 2 of these is likely to get you the best price. Clark checks his insurance coverage and then otherwise. It’s surprising how often meds are cheaper outside insurance using a discount program. There’s great advantage to checking up front before a med is prescribed. Medical professionals don’t know costs. It’s up to us to manage what we pay.
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The investment industry is going through consolidation that will lead to fewer players. Weakened mutual fund companies, stock brokerages and investment houses are merging. A small number of huge players will emerge. All this has come about because of the enormous strength of the big 3 discounters. Vanguard, Fidelity and Schwab have essentially demolished the competition. Traditionally, investors paid massive fees to bank investment arms or full commission stock brokers. Some still do but the movement is to lower costs. Full commission outfit Morgan Stanley is buying discounter ETrade, ostensibly to sell ETrade customers on their products. It’s important to know what you’re buying with any organization you invest with. Understand what you’re getting and what you’re paying.
The FTC warns the phony check scam is roaring back, now successfully targeting young adults – those in their 20s and 30s who have never been check writers. They’re less likely to suspect a check is bogus, especially if it clears. In addition to elder loved ones, make sure the young adults in your life know that if they get a UFO check with instructions to deposit, keep part of the money and do something else with the rest, they’re about to get scammed big time. The check that cleared will usually bounce in 4 to 6 weeks, and they’re liable for all that money.
Right now there are various disasters associated with trading in a car. Simple rule: DON’T trade in a car that is not paid off. Around 30 – 40% of people are dumping cars they’re upside down in. Danger zone. There are dishonest car dealers that know they can’t get a loan to cover an upside down trade, so they’ll encourage the customer to buy a new car with a fresh loan, and just default on the vehicle they wanted to trade in, and turn it in to the lender. In the auto industry, this is called ‘kicking the trade’. These dealers are NOT telling people that allowing a repossession will ruin their credit for 7 years. The lender sells the vehicle at auction, and in most states you’re liable for the difference between what it sold for and your balance plus expenses. You no longer have the vehicle, your credit is ruined and you’re responsible for all the money the lender lost. This eats up your future. If you hate your car and owe on it, tough it out, keep driving it and pay off that loan. Get out of the cycle of owing more on vehicles than what they’re worth. Long loans leave you upside down, and paying way too much interest. Learn more about your ad choices. Visit megaphone.fm/adchoices
The coronavirus is spreading but know fatality rates are very low. It is creating enormous impact on economies around the world. The U.S. travel industry is hard hit. Airline and cruise line stocks are down and Expedia is laying off 3,000 people. Expect more lay off announcements as part of a response to economic slowdown. It’s unlikely we’ll follow much of the rest of the world into a recession cycle this year, because it’s an election year. But the tremendous job engine we’ve seen in the last 9 years will slow, pause or reverse. This is our signal to do what we can to prepare by getting our finances in order. Rethink impulse purchases. Build up a reserve of cash. Consider how you’d handle fewer work hours or a lay off. We may go into a growth recession, wherein technically the economy is still growing but the job market is weak. This is a yellow caution light moment in the economy. Interest rates are an economic tell more than stocks, and expectations are for lower interest rates moving forward. Look at what you’re spending and what you owe. Think through what you can do to get your finances in order to prepare.
Wells Fargo committed criminal acts against its own customers for a full generation, with cheating scandals that go back to 1998 according to Federal prosecutors. In the court filing they only admitted to unlawfully misusing customers’ sensitive, personal information. They paid a $3B fine and avoided criminal conviction, prosecution deferred. If Wells Fargo doesn’t engage in anymore such activity over the next 36 months they will not face criminal prosecution. WF engaged in massive ID theft, cheated their auto loan and mortgage customers and cheated their checking and investing customers over a generation and no one is going to prison. If you rob a bank, you get 20 years. But if a bank robs you, the executive leaves with $millions in their private jets for the country club – no jail.
Around 5 regional supermarket chains have filed for bankruptcy over the last month. Many will disappear. Americans have changed our profile on how we buy foods, now more price focused. Supermarkets at all price points are pushing private labels more than ever. Most feared is Aldi – which is around 93% private label. An industry survey reveals Aldi is the cheapest place to shop, with a 40% price advantage over traditional mainstream supermarkets. Competitors are cutting hours to lower their costs. New England based Market Basket follows, WinCo is 3. Lidl is 4 in pricing followed by Trader Joe’s, a corporate sibling to Aldi. Amazon is also trying to complete. They’ve just opened their first of what they hope to be a chain of cashier free stores. They reportedly intend to sell this technology platform to other retailers to eliminate check-out lines, a convenience for shoppers and cost saver for retailers. Learn more about your ad choices. Visit megaphone.fm/adchoices
The IRS has announced they’re going to send out revenue agents to homes and business of people who owe or who have failed to file. Crooks see this as a huge opportunity to impersonate agents and fake demands for money. The IRS is targeting business owners and those who make over $100K a year. But the crooks will go after anyone. The IRS claims their agents will be highly trained and will not require the purchase of any type of prepaid card – which is a scam tipoff. The IRS is short staffed. If someone shows up at your door, the odds are it’s a scamster. A real agent would at most ask for a check made out to the U.S. Treasury. Legit visit or scam, do not be intimidated. Knocking on people’s doors is wrong, mean and stupid. Meanwhile, Tax ID thieves are circumventing the IRS fraud indicators by going for more refunds with lower amounts, going now for hundreds vs. thousands per refund. If you can’t file, you may be a victim of tax ID fraud, and will need to go through a separate, manual IRS procedure to process your return.
Real ID started 15 years ago with the final deadline repeatedly delayed. After the deadline, you cannot fly without Real ID. Compliant licenses display some form of star logo. Only around 30% of Americans have a compliant license. The Dept. of Homeland Security has a new procedure allowing application online. Individual states will have to design systems to allow this. Flying will require Real ID DL, or a passport, military ID – some form of verified ID. In person DL renewal requires special documentation now. Know what you’ll need before you go or apply online.
In the wake of spreading illness and loss of life, coronavirus is having a devastating effect of economic activity in concentrated areas of Asia, moving into Europe and Iran. There is potential for continuing spread of this virus. Economic effects are increasingly global. Markets that have been highly valued in the U.S. could see a breather from these inflated values. If coronavirus becomes a risk to health and life in the U.S and Canada, markets will be affected. Keep funding your retirement funds. With dollar cost averaging, a stock market decline in 2020 means you’re buying more shares and should make more money over time as those shares recover. If you’ve got money in savings including online banks, those rates are likely headed lower. For money you won’t need soon, lock your money in a one year CD to preserve a better interest rate with an online bank or credit union, never a traditional bank. Mortgage rates are also in decline, making now a good time to refinance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Harvard University researchers began a health study in 1980. Time Magazines reports subject lifestyle factors were tracked for 40 years. Healthy lifestyle factors include no smoking, no excessive alcohol, regular exercise, healthy weight and a low-fat, plant-based diet. Findings indicate those who practiced 4 out of these 5 healthy lifestyle choices enjoyed more disease-free years - After age 50, 10 more years for women, 8 more for men. Women's lifespans increased by 14 years, men's by 12. So both quality and quantity of life are enhanced with healthy lifestyles. Diabetes, heart disease and cancer were the areas of risk examined. CA HMO Kaiser Permanente has been testing Samsung heart monitoring watches. Among the 4,000 distributed so far, KP finds that after a year of monitoring, the readmission rate for program members is much improved over non users. Those without monitors were 5 to 8 times more likely to have a recurrence of heart trouble. This monitoring program is set to expand.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
California has passed a law requiring gig employers to classify most workers as employees vs. independents. A Gallup survey reveals this may be a mistake. Over 90% of tax filers have W2 income. One in 4 workers has a side gig in addition, in order to earn more money. Half work extra simply because they want to. More tax filers than ever are working side hustles in addition to regular income. There are cases where large companies lay people off to hire independent workers to avoid paying benefits. But for the most part, we're doing side jobs for the money and by choice, so it's likely best to keep government regulation out of side job classification. Perhaps in trying to do the right thing, California did the wrong thing in this case. Workers are driving the trend in supplemental self-employment. According to the NYT story: "Some politicians and places, like California have sought to curb self-employment, on the theory that employers have created the gig economy in an effort to evade their tax and regulatory obligations. The reality is more complicated."
It's gotten difficult for dealers to sell vehicles and they're desperate. So fraud on loan applications has become a big problem that could land you - the buyer - in jail. Dealership finance departments are more tempted to put down false incomes, that the buyer unwittingly signs. The WSJ reports nearly 1 in 4 auto loan apps have inflated income numbers to facilitate approval. Remember, you're on the hook if later you can't pay and they say you lied about your income. If you're working a deal, read the paperwork and don't sign your name to a lie on income, because you could end up as a defendant.
Long time listeners know Clark despises extended warranties. These are peddled mostly on electronics and appliances, but can extend to products like running shoes! Clark has new math on TV warranties, heavily pushed by retailers. UPA and Northwestern University research found that people assume things will break often, so at least 1 in 5 consumers will buy into the "protect your investment" warranty pitch, paying 1/4th the cost of the item extra on average. Over a 6 year period, these researchers tracked 45,000 TV purchases. The fail rate was roughly 5 out of 100. So people are spending 25% more for a 5% fail rate. NOPE. Electronics are far more reliable than we realize. The failure rate on appliances is higher, while the warranty purchase rate is lower. We're not as excited about appliances. Either way, forgo warranties. You're better off paying for repair or replacement than for warranties. These purchases are not investments. They're consumption. Learn more about your ad choices. Visit megaphone.fm/adchoices
Bankrate did a survey on outcomes from lending to family or friends, cosigning for them or giving them your credit card. 4 out of 10 lenders to family and friends report they didn't get paid back. Someone comes to the bank of family or friend because they can't get the money elsewhere, so that borrower is ultra-high risk. There are times we'll give out of obligation or love. Clark's 2 part rule for lending to family or friends: One time only IF you can afford it. And, look at it as a gift, not a loan.
Clark's been tilting at windmills lately consulting with the hospital industry about billing problems. The industry filed suit against the government ruling to disclose prices up front. Kaiser Health News (KHN) reports on a case of hospital billing that illustrates the problem. The big problem in American healthcare is rapidly escalating hospital prices, and the industry fights so hard against price disclosure in advance. This must be fixed to get costs under control. We need to force hospitals to do the right thing.
The American Cancer Society reports there's a decline in cancer death rates over one generation and over the past couple of years for specific cancers. In one generation, deaths from lung cancer, which is the deadliest form, declined precipitously. The main reason is a decline in smoking, down to 13%, clearly cause and effect. In addition, there's been great improvement in survivability of lung cancer due to early detection. Smokers are encouraged to be checked out as lung cancer is symptomless in initial stages. Colon cancer deaths are way down due to colonoscopy early detection. The fatality rate is 50% higher in men because men are less likely to see doctors. The survival rates are much higher for women due to early detection. Survival rates are much improved with both breast and prostate cancer. USA Today reports melanoma survival rates are much improved. This good news all starts with each of us getting appropriate checkups and screenings. If you can't remember the last time you saw a medical professional, maybe that's something you need to change. Learn more about your ad choices. Visit megaphone.fm/adchoices
Reverse mortgages have been a caller topic for Clark for 2 decades. When people are house rich and cash poor, reverse mortgage -wherein the mortgage company sends you a check every month while you still live in the home, appears to be a solution. Routinely Clark goes through a checklist to determine the severity of the financial situation, and warns of the high fees involved. USA Today investigated the industry, finding many bad players looking to steal people’s homes via foreclosures. This opened a floodgate of people confirming this was their experience. The reverse mortgage market has been dirty forever. Ads with trusted spokespersons lure people into this. There are situations where a reverse mortgage does make sense. But any legit lender has you go through independent third party financial counseling for evaluation to see if reverse mortgage really is appropriate. Have a knowledgeable family member or lawyer review any documents before signing up for a reverse mortgage because of thievery is so prevalent. Shame upon them. They know this is wrong and do not care.
Special Warning: Ads in print and online for CDs with high interest rates are appearing. But they’re not really CDs and the rates of 4.5 to 5.5% aren’t that high historically. These are NOT CDs, NOT FDIC insured. Your money is at risk. This is a version of a promissory note and many people over the years have been burned by this. Some of these offerings are from crooks, others from fly by night outfits. In either case you can end up losing ALL the money.
Clark went into the travel agency business at age 25, sold out his chain of agencies at 31 and essentially retired. Circumstances brought him into broadcasting. The industry has changed greatly since he sold his agency in 1987. Travel is much more popular today, and we can book ourselves. But most of us travel infrequently and become bogged down in details when trying to plan travel. See our updated guide to make planning easier, the Clark Howard way. Barring work travel, Clark’s key rule is that everything is driven by finding a deal. By so doing, he has been to every continent except Antarctica. For those with wanderlust – there are so many deals! Follow the bargains, have to guts to go to new places and see the world. Follow deals so great you’ve got to buy them. That’s the Clark Howard way! Learn more about your ad choices. Visit megaphone.fm/adchoices
Carl Richards, "Sketch Guy" columnist for the NYTimes, breaks down financial advice to simple sketches and is able to address motivation and how we work against ourselves. Clark is unapologetically dull and believes creating financial security should be dull as well, achieved slow and steady like a turtle. Many are always looking for the big score, the hot tip. So Clark's favorite Sketch Guy message: "The path to long term change is slow, simple and boring". Your investing should be boring so that you can have an exciting life. If your goal is to become a millionaire, if you start in your early 20s, it can be done by retirement. That goal is a heavier lift the longer you wait to start. But you start when you start investing what you can. The earlier you start and the more money you add over time, the more financial security you create for your life. Start early in a Roth or your retirement plan at work.
Many bought smart TVs on sale over the holidays. Many of these TVs are vulnerable to hackers getting into your home system. Dig out the owners manual and implement a secure password - replacing the default password. You may have brought a potential trojan horse into your home. Secondly, cover up the camera. You do NOT want a hacker able to spy on you.
What to do after a car accident to ensure your safety and best consider insurance options. Check out Clark's online guide here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Optometrists are independent. Even as they’re renting space in a Costco, Sam’s Club, Walmart or Target – the remain independent. This results in different prices within a retail chain. But as a general rule, the cost of getting a full eye exam and prescription averages around $70. If you go to an optometrist in a traditional office or an ophthalmologist, the price goes up. With a prescription plan through work, a once a year eye exam may be covered with just a copay for most practices.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.
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Teachers, non-profit workers and some hospital workers are shuttled into inferior 403b retirement plans. 401ks have gotten more affordable with steadily lower costs for employees, lead by Vanguard and Fidelity. Teachers on the other hand get cheated repeatedly. 403b plans are often sold by insurance company sales reps, selling ultra high cost plans often wrapped in annuities. A WSJ investigation has uncovered just how dirty this system is, rife with horrendous kickbacks paid for by the 403b workers without disclosure. Worse still, an analysis reveals the same contributions over time in a typical 401k adding up to $250K in retirement savings, would only yield $155K in a comparable 403b, ravaged by expenses. A private sector 401K with $500K is equivalent to a 403b of $310K - all contributions being equal, typical expenses on both. A 401k One million vs $620K in a 403b having made the same contributions - all because of rip off fees in 403bs. While members of the House and Senate indulge in partisan fits, they could be stopping the rip off of teachers by insurance companies.
Allegedly, $722 million has been stolen in a cryptocurrency Ponzi known as BitClub Network, which for 6 years solicited funds from would-be investors to go into cryptocurrency mining pools. There were big money incentives to recruit others into the network. 5 men are charged with running a scheme "built off the backs of idiots" - to use their words, NBC reports. Recall the cryptocurrency mania of recent years. That money evaporated as it became hot with con artists. Be careful jumping on bandwagons.
New federal data shows the change in the nature of work is so extreme, you ignore it at your peril. College is not a normal path in every family. The latest data shows nearly half of all factory workers have a college degree. As recently as a generation ago, factory and manufacturing jobs did not require higher education, but the nature of manufacturing has changed. The manufacturing industry has roared back in the U.S. But employment in this sector is minimal as advanced robotics and computer tech is increasingly engaged. The human jobs in factories now require highly skilled workers with advanced tech educations. Well-paying jobs require thoughtful, strategic levels of education - not necessarily college. The idea that education ends isn't compatible with the pace of technological change. We need to be prepared for the nature of work to steadily morph. To sit still is to fall behind. Stay in an education and training cycle through your working lifetime to maintain career mobility. State technical colleges should design curriculum in concert with what employers are looking for, anticipating where jobs are and where they're going, and offering affordable training for those jobs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Wall Street analysts predicted the demise of Costco Wholesale not that long ago, believing it had no chance against Amazon. But Costco and Sam’s Club are doing well. In fact Costco is booming. People willingly pay membership fees. The Krazy Coupon Lady reports that consistently across items, Costco and Sam’s Club are 10 to 15% cheaper than Amazon. Many use both warehouse clubs and Amazon. Though Costco offers savings, they also offer temptation to buy more. Clark’s answer: Not cart. Hands only shopping limits the purchase and preserves the savings.
Outstanding credit card debt has gone up roughly 50% in the last 8 years in the U.S. A Wallethub survey reports more than a third of card users have maxed out their credit cards. Another third are afraid of doing so. This is NOT good for your long term financial health. The average card carries an interest rate of 16 – 18%. Buying on credit when you can pay the bill in full monthly is great. But maxing out your credit card costs you big in interest and demolishes your credit score. Seriously think this through before you pull out a credit card and charge it.
Clark reported on his experience going from a professional home burglar alarm to a self-install system. Clark chose Ring and took 3 hours to install it. Monitoring works out to $8 a month when paid annually. Feedback centered on privacy issues with Ring, owned by Amazon. Back to the drawing board. Independent alternatives are getting good reviews. Google’s Nest and Simplisafe charge around $300 a year for monitoring. Kangaroo - Kangaroo Home Security | Simple and affordable alarms and sensors rotates specials and like Ring, costs around $100 a year for monitoring. Kangaroo’s equipment is comparable, but independent from giant ecosystems. TechHive reviews Minut Smart Home Alarm - a very different system using heat technology. Instead of arming the doors and windows, it senses intruders to trigger the alarm. Minut monitoring is $8 a month, sold around the world – quick and easy to install. Technology is a big disrupter in this industry. Traditional systems have high equipment and monitoring costs and often come with contracts you should never sign. Learn more about your ad choices. Visit megaphone.fm/adchoices
The merger between wireless giants T-Mobile and Sprint has cleared a major hurdle as a federal judge ruled in favor of the deal. Clark explains his take for consumers, including information about the impact on home internet service.
Today, we pause to salute companies that value their employees. One great way to do so is profit sharing. Especially in a service businesses, workers are core and key to progress. Delta has paid huge bonuses, having profited from the grounding of the Boeing Max, while Southwest suffered losses from the Max grounding, but still made a profit and gave their employees bonuses equal to about 6 weeks pay. Only 1/3 of companies share their profits. Business doesn't exist without employees. Rewarding workers with a share of what they made happen is KEY to motivating them. The companies that do best take care of their employees first. No matter what industry you’re in, its ultimately about serving the customer. Rewarded employees are more committed.
The word ‘password’ has been used as a password. It’s important for security to do better. Firefox and Google Chrome users have access to password managers. More sophisticated password managers generated unique passwords as needed. We creatures of habit tend to use the same passwords, which basic pw managers simply echo. More advanced programs offer more protection, including Dashlane and LastPass. Many more have entered the market. A WIRED review rates 1Password as the best overall manager, which auto generates unique passwords for $36 per year per person, $60 for a family. Bitwarden gets great reviews for free. These tools help place a barrier between you and a hacker. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some have lost a tremendous amount of their savings betting on Tesla. Know that betting on any one enterprise is risky – Apple, Amazon – stocks that become stories. Amazon went through a cycle that wiped some stock holders out. When you invest in an individual company, you’re creating risk. You could come out ahead, or lose a great deal or both. First build a base and create a strong core in funds wherein your money is well spread out. The U.S. represents 3% of the world’s population and 22% of the world’s economic activity and declining. Make sure your diversification includes international funds. Schwab teaches to build core investments first. Only then should you chance individual stocks with money you’re not depending on. Protect the future you’re building. Live on less than what you make, and protect the rest of that money going forward.
Clark was given a fake debit card from AT&T for dropping DirecTV. He was issued a partial refund on a debit card - receiving a check is not an option. Clark’s card kept being declined. He then registered the card and was texted the balance. The declines came because the balance was less than attempted purchases. It won’t allow another form of payment! Clark tried to get it to 0, and now it’s expired with .72 cents left on the table. So the company keeps that money – what’s known as breakage. This is why many companies use debits - knowing it won’t all be spent and they’ll get that much back. Clarkrageous that companies think this way, instead of doing right by their customers.
A type of data breach has become a life and death threat for many businesses. Many ransomware attacks don’t hit the news unless the company must publicly disclose they’ve been hacked. School boards and local governments must disclose. But we usually don’t hear about it from companies, who often have to pay to get their operations back. This crime is escalating, hitting companies of all sizes and can destroy a business. Have automatic backup of your data daily on a hard drive or cloud service. This can help restore your business activities. Have cyber insurance added to your business liability coverage. Backup data every 24 hours and have cyber insurance. The insurer will want to know what steps you’re already taking to protect your business. Take the time to make these things happen. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates have plummeted recently. This is creating even more competition in the housing market. If you are planning on staying in your home for a while you could save a lot of money in interest payments by refinancing soon.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's a major problem happening all across the country. People are trading in cars that aren't paid off. This can lead to a whole lot of issues. Never trade in a car that you haven't finished paying on.
US Bank fired an employee who spent her own money to help a customer on Christmas Eve. Clark thinks this is ridiculous!
Clark is a romantic at heart. But he also likes to save money. So he gives you his favorite tips for saving money around Valentine's Day. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most taxpayers are eligible to free file. But only 2% who qualify use the IRS free file site. Most software vendors are in the IRS Free File program, but tout their paid software instead. Go to IRS.gov - Free File: Do Your Federal Taxes for Free | Internal Revenue Service. Some of the software includes free state tax filings as well. If you don’t like the one you’ve selected, you can bail and try another. If you make over $69K a year, you’re not eligible for Free File. In that case, try Credit Karma Tax to file for free. They want that info to target you for offers. Business owners or those with complicated tax situations need a pro. Small business owners can consider hiring an enrolled agent or your CPA who does tax. Warning: there’s been a steady increase in the number of unqualified people doing tax returns. No certification is required. Anyone can claim to be a tax preparer. Many have turned out to be con artists and thieves, who lie to generate a big refund directed into their account. Make sure your preparer signs the return and look it over. If you see false information, do not sign your name to that return.
Dan of Cleveland got a notice from the post office to come pick up more mail than can be delivered. He arrives to a pile of 55,000 letters! His lender, the College Avenue Student Loan Company, sent him the same statement for his daughter’s tuition 55,000 times. Postage alone was around $11k and the information in the letter wasn’t even correct. The student loan industry is in disarray, rife with incompetence and abysmal record keeping. The industry is flat out broken. Keep your records. Run your own amortization schedule and track your loan. Make sure the balances and interest rates are correct and that payments are properly reflected on time. Watch them like a hawk.
VISA - the most powerful of the 4 credit card networks (Visa, MC, AMEX, Discover) – will roll out fee structure changes this spring and fall. They’ll begin charging higher merchant fees where credit cards are dominant, and lower fees in low use sectors in an effort to manipulate buying behavior. Merchants that accept Visa won’t have a choice, unless they’re large enough to negotiate their own processing rates, like Amazon and Walmart. Everyone else will be at the mercy of Visa. The cost for online merchants will go up. Smaller businesses may have to bump up prices to deal with this. Online purchases will potentially cost more than in-store. Tuition payment by credit card can cost 2.9% more. That’s an industry with low market share for Visa, so they’ll be dropping those rates and subsidizing them with higher fees charged elsewhere to try to get market share in student tuition payment for private schools, pre-schools and colleges. Visa/MC cartel fees are typically the second largest expense for merchants. Remember you can offer customers a deal for paying with cash and giving them part of what you save as a way to reduce expenses. Visa may be trial ballooning, waiting to see what the other card networks will do. Consumers may see different pricings for different payment methods. Learn more about your ad choices. Visit megaphone.fm/adchoices
Pharmacy mistakes filling prescriptions are becoming more common as volume increases on a small number of players who allegedly put the pharmacists under unsafe quotas. Investigative reporting by the NYT reveals that pharmacists with the major chains are under pressure to fill prescriptions and the resulting errors. Another recent report states 1.5 million people have been adversely affected by Rx mistakes. Oversight by state pharmacy boards has failed. Marketplace pressures being applied to pharmacists is creating unsafe conditions, putting the public at risk. Simple prevention tips: Pharmacists are human. Always look at the prescription before you leave the store. Packaging describes the shape, size, color and markings of the medication. The same med may look different from different manufacturers. When a med goes off patent to generic, it’s appearance can change. Look at the name on the label first as many drug names are similar. Then check the actual medication and be very careful verifying you have the right prescription. We can make sure the medicine we receive are correct as best we can tell. Check before you leave the pharmacy and have them verify before you leave. Take these steps to protect your and your family’s health.
Clothing manufacturers and retailers are in full clearance mode on winter goods. From light to heavy weight, this is the week to start looking for great deals on winter wear.
Scandal has rocked the U.S. Dept. of Education because they have failed to honor the law on forgiving student loans for public service workers including police officers, fire fighters, teachers and others that work in nonprofit or service capacities. Certain public service professionals were promised Federal loan forgiveness after 10 years of on-time payments. The rules were drawn in a way that triggered denials due to technicalities for 99% of applicants. This caused such an uproar that the Dept. of Education has passed new rules that will allow around 3/4s of those declined to now receive their loan forgiveness. This is not widely reported so spread the word to those you know who may be affected. Those declined should apply again. Temporary Expanded Public Service Loan Forgiveness (TEPSLF) is how many will qualify for loan forgiveness. Don’t give up and great thanks for your community service. This was a promise made that should be kept. Learn more about your ad choices. Visit megaphone.fm/adchoices
Last year there was the mad rush of discount stockbrokers to cut commissions on various kinds of trades to zero. Nobody's laughing anymore at the once obscure app Robinhood. Now millions use the app to trade stocks at no commission. Finally Chuck Schwab had enough and decided to stop charging commissions as- which set off an earthquake. The stocks of various discount (now free) brokers just collapsed because the investment community thought this was financial suicide. It wasn't, because brokers earn money offering other services including checking accounts and credit cards - services superior to banks. Thus money has migrated out of stodgy, high-cost, low-service banks into credit unions, online banks and no cost brokers. Brokerage stocks recovered from the zero commission earthquake and new money coming in has shot through the roof. Know you can do a checking account with a zero cost broker. Bank shares are included in some index funds meaning you make money from them vs. the other way around, as they're in the business of looting your wallet.
Special Warning. For years we've faced fake emails pretending to come from banks so most people are aware of that approach. Now we see reports that criminals have figured out how to take it a step further. They now send a notification that an account has been compromised, including a duplicate banking landing page, now with code that transfers your input to the REAL banking site. You'll get the 2 factor authentication text, and enter that number - which they also duplicate, giving the criminals full access to your account. Anytime you get an email you think is from your bank or any financial institution, never click a link. Go separately to the official bank site. If there is an issue, you'll be on the real site and know if all is well or if there's an issue.
Screen time can be isolating. Clark's banned gadgets at the family dinner table. No point in being alone together. Turns out our constant companion cell phone induces human loneliness. Having grown up in the digital era, young adults report greater degree of loneliness. It's not the same communicating online vs face to face. The WSJ reports how young adults in the workplace report greater loneliness. When all communication is digital - young workers report feeling twice as lonely as older workers who grew up analog and are more likely to talk to co-workers face to face. In person contact can create a warmer, more fully connected work environment. Whether at work or in your social life - being around people can make you a happier, more connected person. Learn more about your ad choices. Visit megaphone.fm/adchoices
Variable pricing has made it even harder for consumers to book travel. But there are some important things to know when you are looking to book airfare, hotels, and rental cars.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nonprofit and hospital workers, teachers and other 403b workers suffer much confusion from this rip off form of retirement plan. It’s a scandal that we give teachers a plan so inferior to the 401k. The surrender charge is how 403b insurance companies handcuff people to the plans. This often massive penalty fee is imposed for exiting their rip-off plan to put money in a low cost IRA – costing about 1/40th what the 403b takes. Remember 403b = rip off! A financial planning firm found that a young worker would be better off paying a 40% surrender charge to the insurance company to invest at lower cost elsewhere. Over that working lifetime, that worker would still make more money than paying the rip-off fees imposed by the 403b. Some surrender charges are only 15%. If you’ve got 10 years or more working life, it’s generally worth it to pay the surrender charge to get out of a 403b.
Clark reported months ago on an investigative series from the Detroit Free Press about severe problems with the Ford Focus and Fiesta. 2 million people have now been affected by vehicles with defective transmissions. A class action lawsuit was filed 8 years ago on this matter. Possibly the Free Press series finally pushed forward a settlement. There’s no cap on payouts to these car owners. Ford has to pay to make people whole who owned or own a Fiesta or Focus who have filed a claim. Also revealed, Ford knew about the problems on model years 2011 – 2016 and had a procedure in place to BLAME THE CONSUMER as a strategy to avoid paying for repairs.
Even though the great recession reportedly ended in 2009, the job market remained terrible until 2012. We’ve been on a steady economic and employment upswing since. But there are times when all seems lost, and a worker must reinvent their role in the marketplace. After a job loss, Clark advises that you draw on what you know. Your best opportunity in your next chapter draws on your education and experience. The Detroit Free Press profiled car salesman Brian. This family man worked extremely long days and was abruptly let go. Knowing that people hate going to dealerships, Brian decided to become a car buying concierge. He gets paid regular commission by the dealerships he uses for clients, and charges the buyers nothing. He sells around 35 vehicles a month via word of mouth, gets more time at home with family and makes more money. He helps clients determine the right vehicle for them through a questionnaire. He delivers, helps with the paperwork and either takes in their trade-in or Ubers from their home. We often undervalue what we know and how we can serve others. Businesses have a hard time changing, which means opportunity for experienced individuals who come up with a way to serve people better. You may be your best boss ever. Learn more about your ad choices. Visit megaphone.fm/adchoices
We tend to just accept that prescription glasses are costly. There is an international cartel that’s been buying up both retailers and frame manufacturers for eyeglasses in order to corner the market and take prices through the roof. BUT, when there’s market concentration to push prices up, there’s always a rebound effect. Now there’s a fast growing marketplace of discounters offering eyeglasses at a fraction of cartel prices. Frames and lenses complete can be had for as little as $15. Consumer Reports has put together ratings for the discounters. Number 1 - Costco Optical, 2 – Warby Parker, 3 - Zenni Optical. In fact, every single discounter rated got at least a good score. Know you can get good eyeglasses for under $100 – even for bifocals, trifocals and progressive lenses. -For contacts, 1800Contacts is now offering a free online eye exam for contacts, with an eyeglass Rx. See our guide. There are enormous price differences for contacts. Beware merchants pushing high cost lenses.
Many of us use hand sanitizers thinking we’re protecting ourselves from germs. If using Purell, you may even think you’re protected from the flu. The company has even claimed the product can prevent Ebola! No more says the FDA. They’re reclassifying Purell as an unapproved drug because of these outlandish claims. The real advice from the FDA and the CDC is to simply wash your hands thoroughly with soap. Only default to hand sanitizer when there’s no alternative. Also we worry about catching colds and flu on airplanes. The Journal of the National Academy of Sciences finds you have to be within 3 feet of a sick person for them to be a potential hazard to your health. Don’t worry the whole plane is contagious.
Via permissions, Facebook tracks you OUTSIDE of Facebook, when you’re not using Facebook or any of their services. Under pressure, in an effort to stave off legislation that would restrict their tracking activities much more, Facebook now offers the tool, Off Facebook Activity, allowing you to see and curtail this tracking. At sign up we unwittingly give Facebook permission to spy on us everywhere we go online. They know all. Third party apps are reporting to Fb what you’re doing online. They know what articles you read, podcasts you listen to, music etc. They can then build an ultra-deep dossier for sale and for targeted ads. Producer Joel used the new tool to delete the info and found it very easy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google search results now present in a way making it more difficult to distinguish between results and ads. Anyone can be buying those ads which could be scams, rip offs and fake companies. Legit ads are also there but you should know what’s an ad. There’s almost no delineation anymore to tell you something is an ad. “Ad” is in tiny type and they can be mistaken for search results. You need to know to look past those. Also, we generally don’t get past the first page of search results. Take more time to refine your search. Or use DuckDuckGo as your default search engine for clean search results, no tracking.
MarketWatch reports a huge number of homeless veterans are eligible for special housing vouchers designed for vets from the Vietnam and first Gulf wars. 11,000 of the vouchers now go unused. Veterans need to know there is this great voucher program available from the VA. Make sure any vets you know are aware of the housing voucher program.
Auto insurance rates have gone up roughly 50% in 8 years. For a time, fatality rates were way up due to device distraction, subsiding now with state texting-while-driving laws. WIRED points out a new pain point. If you’re cited for texting while driving your insurance rates will go up 20 – 25%. Another rate hike factor involves the high safety tech in cars today. Vehicles now have so many safety devices that accidents are less severe, happening less often. But ironically, a simple fender bender can render a vehicle totaled by the insurance company, as so much tech is in the fender, they don’t want to repair it. Often a single airbag will deploy, and they’ll total the vehicle out. All these totals is having an impact on rates. As vehicles turn over in the fleet, cars get safer overall. In 2021 Ford will install tech allowing vehicles to communicate. The problem of sun glare will be addressed by red light dash warnings. Safety measures so much a part of the future, will bend this curve on insurance rates. Learn more about your ad choices. Visit megaphone.fm/adchoices
We face unknowns with the Coronavirus outbreak. Some practical matters to be aware of. Historically, odds favor the virus not becoming widespread in the U.S and Canada. The travel industry is in ongoing response mode. Isolation has begun with Chinese cruises generally canceled around affected areas. Airline policies vary including refunds on flights to China and other parts of Asia. The stock market - especially travel companies - are being hit hard right now in the wake of the Coronavirus too.
FedEx and UPS have issued warnings in the last 24 hours to be aware of receiving a text or email claiming you have a package scheduled for delivery. These phony messages contain viruses. If you click and answer the questions, criminals get your personal info. Set up your own personal account with FedEx and UPS to receive for clear notifications that don’t require you to click to open.
New factors will be weighed more heavily in the new FICO scoring model. Lenders are starting to get nervous as more people carry debt. Here we are with low unemployment yet more people carry debt. There are hundreds of credit scores. Even using the same scoring model, the credit bureaus will come up with different scores from different items on credit reports. These scores indicate a general direction. All this only amplifies previous advice about how to protect your credit reputation. Come up with an effective way to make sure every bill gets paid on time, every month. Also, lowering your utilization rate will be even more impactful moving forward. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark’s quote for a modern home security system came in at $2700 + $25 a month monitoring or $300 a year. Meanwhile, Clark’s been touting self-install systems for years so he decided to give it a try. Clark looked at Nest, Ring and Simply Safe on cost and features. Clark bought the Ring system for $179 on sale at Costco, complete with motion sensors, sound alarm, enough door/window coverage & keypad. He already had Ring doorbells and cameras that would fully integrate - $100 a year for professional monitoring.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the expenses many retirees don't consider when they are planning for retirement. Some call them "stealth expenses." It's important to have a plan as you get closer to your retirement date and to have your eyes open about what your incoming and outgoing funds will look like.
An auto shop owner paid off his long-time employee's mortgage to help him retire. How cool is that!?
More and more universities are offering income share agreements. This means that graduates will pay a portion of their salary for quite a few years post graduation. It's a different approach to the traditional student loan market. Learn more about your ad choices. Visit megaphone.fm/adchoices
Other than recent initiatives in California, the U.S. is lagging when it comes to internet privacy protections. This spring, strict online privacy rules for anyone under 18 will go into effect in Britain. For underage citizens, personal information will be private. If a kid is using YouTube, Google can’t track that use. No tracking, data mining or subsequent targeted advertising to kids can take place. We need such a law in the U.S. In addition to Google and Facebook, gaming companies, and other social media are using our kids as fodder to develop massive databases for targeted ads. Naturally adults should have privacy rights as well. Affected companies are under so much pressure to grow revenue, the moral ethical equation gets pushed aside. These are powerful companies that can buy off U.S. politicians to work in their favor. We should have clear privacy protections for children. The British are using a market-based approach, allowing users to set up default privacy settings for all users, or go through a process of age verification. And this has real teeth. If a company violates the law, the fine is 4% of their worldwide revenues. That’d be gigantic for Facebook or Google. At last, a strong way to deal with reckless big tech.
An American Bankers Association survey finds that attempted check fraud has gone up 60% in the last 2 years. One of the great vulnerabilities in the banking system is a traditional paper checks – an analog device that does not provide adequate security in a modern digital era – already banned in some countries. If you routinely carry a checkbook with you, stop doing so. If a single check of yours falls into the wrong hands, the danger to you is can include jail time for check fraud. Also business are a big target for check fraud. It’s safer to operate electronically.
Lots of investors are becoming interested in socially responsible investing. They don’t want their retirement money going into ‘bad’ companies. But the criteria is hard to define. Tobacco, alcohol, soft drinks, coal, oil are company areas some define as bad. Environmental, social and governance (ESG) investing principles is one criteria, but can be defined very differently among fund managers. Before you choose a socially responsible fund, understand how that is defined. It may omit companies you champion. Facebook is loved by some investors. Others love to hate it. Also, when you start slicing and dicing, you shrink the pool of companies eligible to be part of an investment. Before you jump into this, see how ‘socially responsible’ is defined by the fund choice available to you. And look at the expenses. Often investment houses will charge more in expenses for these funds. Learn more about your ad choices. Visit megaphone.fm/adchoices
In some states people are able to shop their natural gas service. Regardless of state, know that natural gas prices have collapsed. Projections are this will be a mild winter, with an oversupply of natural gas available. The price at wholesale has collapsed to now 1/8th of what it was just 15 years ago. Other than electronics, prices tend to move up over time. But energy has gone way down. If you live in a state where you can negotiate, this is a time to shop the market. With prices this low, lock in for 2 years if allowed. In states with no choice, the good news is that generally wholesale costs are passed on to consumers. Overall, energy prices have steadily gone down, making the case for deregulation. Many states are under a corrupt process wherein politicians decide who will provide electricity and what they charge. Better to emulate the free market system used in Texas, creating very low energy costs as the market provides the most efficient energy available. In the case of Texas, overwhelmingly it’s wind power. In D.C - hot air.
A new survey reveals a basic distrust of capitalism has taken hold among Americans. Public-relations firm Edelman conducted its 20th annual analysis of public trust in major institutions, surveying 34,000 people in 27 countries and Hong Kong. Here we are in the midst of a long economic expansion begun in 2012, yet the majority surveyed no longer believe in capitalism. Americans are down on the free enterprise system. No one was ever punished for the banking scandals of last decade. Income inequality also undermines faith in the system. But becoming a socialist paradise doesn’t tend to play out well over time. We need to improve how capitalism works in the U.S. We have much to fix. The reality is nothing in human history has ever worked as well as giving people the opportunity to create new ideas, products or services people want to buy, creating greater wealth for both society and those individuals.
If you’re willing to move, you can benefit from job opportunities across the nation. Economic opportunities abound in other cities and states for people of all sorts of different work backgrounds. Learn more about your ad choices. Visit megaphone.fm/adchoices
A Bankrate survey has found that of those with $100k to $200K net worth, more than half are carrying credit card debt. The psychology of this is important. There’s an old expression that describes this: Keeping up with the Joneses. When someone lives in an affluent neighborhood and drives an older car, they may feel like the odd person out, and seek to buy a new one to fit in. It feels only natural to match the environment. It’s a matter of being too influenced by those around us, and creating expectations for ourselves. This mentality takes hold in an insular culture. We are influenced by others, often in positive ways. But when it comes to possessions, trouble follows. Remember that those who have the greatest net worth are those that live a modest life, seemingly below their means. They are building long term wealth. Nobody ever got rich paying Visa or Mastercard 18% interest on debt.
The Christmas season was rough for many retailers as evidenced by store vacancies happening all over America. The U.S. has been ‘over-stored’ for years, with more retail space per person than elsewhere in the world. A correction has begun. Retailers are closing for many reasons, leading to GOB (going out of business) sales. Know that these sales are not necessarily a deal for you. The companies that specialize in running these liquidation sales are expert at manipulating buying behavior. Much of the merchandise in a given GOB comes from previous clearance sales, designed to give the perception you’re getting a great deal. Know that most of the discounts are an illusion. If you shop a GOB, let your smartphone be your friend. Use it to price check and comparison shop. Learn more about your ad choices. Visit megaphone.fm/adchoices
Vehicles are one of the largest purchases in life. To protect your finances, drive your car till the wheels fall off. Certain vehicles stand the test of time.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
A senior gets a call from someone pretending to be a relative in trouble asking for money. This scam preys on seniors desire to help loved ones, resulting in millions of dollars in losses to seniors every year. Should banks and other financial firms be doing more to protect seniors? Banks are required by law to put through a lawful transaction. Lazarus suggests bank tellers simply ask the person if they’re familiar with the grandparent scam as a brief intervention to hopefully prevent loss. In some states, tellers and bank officers are trained to spot scams and ask questions. This is a reasonable responsibility to expect from banks. Make sure your aging relatives are aware of this scam and verify with relatives. If the caller refuses to let them hang up to do so, that’s a scam red flag.
The Milwaukee Journal Sentinel has published an investigative report on how criminals are targeting retirement accounts. No federal law protects our retirement accounts from hacking but many of the providers do. Still, you can’t count of administrator protections since it’s not law. Monitor your retirement account at least in tandem with quarterly statements, and set up 2 factor authentication. Virtually every 401k provider offers this additional security step. Protect your life savings.
Due to the increase in extreme weather and natural disasters, we’ll see homeowners insurance rate increases. Normally, home and auto insurers go through cycles where they’re either into market share or profit margin. But extreme weather is a third factor upending actuarial assumptions about what losses insurers will see. Insurers also depend on financial industry ratings of their strength. Thus they must maintain certain levels of financial strength, now tested by increasing claims from catastrophic weather. The greatest vulnerability is in coastal regions. Coastal residents will see a reduction in the quality of home insurance available as in less coverage and higher deductibles. Your mortgage may have limitations on the deductible you’re allowed to carry and that may force a change in who insures you. Otherwise your mortgage company will rip you off with ‘force placed insurance’ which cost from 10 to 100 times what regular insurance cost. This is a big profit center for banks. Different insurers are facing different pressures. If you’re hit with a notice of a large rate increase, take it as a signal to shop the market. Coastal dwellers may have a hard time finding robust coverage at an affordable price. Know that behind the scenes, home insurers are facing significant financial pressures. Due to the increased violence and frequency of storms the market must calculate higher risk levels. Be aware and prepared. Learn more about your ad choices. Visit megaphone.fm/adchoices
Many younger adults have no expectation of privacy. For others, there’s a clear expectation of privacy. Know when you download an app there’s the risk they’re packaging, selling and reselling your information. Californians now have a clear right to control what info is collected about them and what is done with it. The good news Clark shared last week is that the rest of us can use the California law to our advantage as many sites provide the same privacy rights to all to be in compliance with California and Europe. We’ve received complaints from those who, when they’ve tried to use provisions of the new CA law to delete personal info or see their digital dossiers, have had to provide more personal info including their driver’s license or state issued ID. These sites and apps must verify the identity of someone requesting their file, so ID is necessary. If you want to restrict data out there on you, use provisions of the new law and be ready to prove you’re you.
The National Security Agency found a major flaw in Windows 10 – a very dominant OS. The NSA informed Microsoft who has provided a patch via the latest update. Those who receive auto updates got theirs last night. If you don’t have your computer set up for automatic updates, go to settings, update and security – check for updates, download and install right away. We spoke with 2 IT security experts who confirm this a key update you should be sure to get.
Clark Deals’ Charis joins Clark to discuss her teeth straightening quest. SmileDirectClub has been controversial as the more DIY choice. Invisalign aligns with orthodontists. Now SmileDiretClub will sell both ways – directly and through dental professionals. Charis had braces as a kid but her teeth shifted from not wearing the retainer. Charis consulted a traditional orthodontist and went to a SmileDirect location to price compare, and received basically the same 3D imaging at both places. Invisalign via an orthodontist typically cost $5k+. Charis’s SmileDirect cost: $1895. Charis’s research of other users finds that those with complex concerns can have problems in the absence of regular monitoring by an orthodontist. She had some bumps in the road as well. SmileDirect has spawned Facebook groups for success stories and for bad outcomes . Some are overjoyed, other suffer loose teeth and other problems. Smile Direct is a money saver, but with risks. Charis is seeing good results so far in her 10 month program. So much in medical is moving more to self-service blends with traditional care. If you have pre existing dental issues, doing a self-serve straightening is likely not a good choice. And all users need to strictly comply with their plan for a better chance of success. Learn more about your ad choices. Visit megaphone.fm/adchoices
In November Clark reported on the anti-college mindset and provided stats on how much more a person makes over time with any level of post-high school education and training. The numbers were starkly in favor of further education. A counterpoint has emerged from a study conducted by the Federal Reserve Bank of St. Louis. The study tracked net worth and found that college for better income wasn’t a given IF there was a large student loan burden. This further makes the case that having to borrow to go to a certain dream college is NOT worth it. Top tier college snobs snipe at others who go to ‘directional college’ (Ga Southern for example). What matters is your education and training without enormous debt upon graduation. The value of a college education remains unassailable. BUT follow Clark’s rule: Graduate with less debt than you’ll earn in your first year on the job. Make the first year’s income in your chosen field the ceiling on what you borrow.
Amazon has changed its business model. They’re more about convenience than price, and starting to get nervous about comparison shoppers realizing they’re not cheap anymore. Many use browser extension Honey to comparison shop, Clark recommended along with CamelCamelCamel. Amazon is so freaked out they’re telling people that Honey is not safe to use and should be uninstalled. That is just not true. Use Honey and CamelCamelCamel to know if a purchase really is a deal or not.
There’s been great interest in peer-to-peer lenders Prospers and Lending Club over the years. Borrowers can submit their loan request and members decide what % they want to finance. Clark wanted to check both out as an investor. 3 years ago Clark put $5K each in Prosper and Lending Club. Instead of picking the individual loans, he used their automated system based on risk level. With Both p2ps, 50% of Clark’s loans were going to very low-risk borrowers – those with great credit scores. The other half went to subprime borrowers presenting varying levels of risk. 3 years later, Clark’s annualized net return is 4.76 and 4.77% - a better return than with savings or CDs but with clear risks. People who don’t pay their notes have to be written off. Many use statistical analysis to invest in higher risk loans of their choice. Clark plays it bland. For borrowers, this is a potentially cheaper option than elsewhere because they cut out the banker in the middle.
Learn more about your ad choices. Visit megaphone.fm/adchoices
A large percent of publicly traded companies are losing money right now, even in a decade-long strong economy. But we’re moving into a feast / famine cycle of employment and what you know can help you. The general trend now is that big companies are reducing headcount by attrition. They’re not filling open positions. Meanwhile the smaller local and regional companies not involved in international trading – are generally doing well and bidding for workers. Topeka Kansas is offering incentives of up to $15 to get people to move there for work. The WSJ reports companies are offering relocation bonuses to attract new workers – a perk common 15 years ago now returning. Focus on opportunity to find real advantage in the marketplace. We creatures of habit need to look out the window. Because of rotation in the corporate environment, this is a time of big wage disparity. Your skills may be worth more to another company than you’re getting now. Take advantage of education and training, so important to finding the best opportunities. If you feel dead ended, explore further training.
Boeing's CEO was fired for undermining a culture of safety that ultimately caused two crashes and cost hundreds of lives. He’s getting severance between $62M and $82M for failing. Newly released memos further expose a chaotic culture of eroding safety standards. Internally, many knew the plane was unsafe and some laughed at being able to con the FAA in approving the Max. Failure is rewarded handsomely in the executive suites of big publicly traded corporate America. Hundreds died due to gross negligence by Boeing and the CEO is scoring millions. Why is no one being charged criminally – with manslaughter at least – in this circumstance?
Disputes between local network affiliates and operators about carry provisions and payment are ongoing. It’s a great idea to have an antenna for local channels. If you get a good signal, it may be all you need for NO monthly fee. If you stream content, having an antenna is great as well. AntennaWeb - Antenna Signal Prediction – Antenna Web has updated their site and revised their search tool for local channels and antenna recommendations based on address including topography. If you live in a high-rise facing broadcast towers, any antenna may due. Other residents may need heftier attic antennas, or easy TV boxes. Locast is a non-profit for streaming local channels. Verizon and the cable monsters have all pushed packages. Now, Verizon is dropping contracts. Great news for consumers! Learn more about your ad choices. Visit megaphone.fm/adchoices
Since the Truth in Lending Act does not apply to small business, instant loans to small businesses is a major rip off area around the country. There’s no requirement to disclose junk fees or interest rates on these loans. As a small business owner, Clark receives about 10 offers a week. Though there are ethical lenders, there are too many bad players out there taking advantage of small business cash flow needs, charging gigantic interest rates for quick money. If you’re a small business owner, do NOT bite on these loan offers until you know the fees and rates. If you can’t get a straight answer, stay away. While Congress lies about how much they care about small business, they ONLY care about their corporate contributors. Nobody’s looking out for the small business owners, with no laws governing proper disclosure of loan terms. Also, the Supreme Court ruled that states can charge sales tax to small businesses selling across state lines online. For big retailers, that’s no big deal, but for small business, compliance is a nightmare. They need a simplified tax procedure in place governing online sales below a designated threshold. Candidates should come up with real agendas for small business. Big company lobbyists feeding in cash are the only ones heard. When can we get leaders who represent the people of the U.S. in the people’s White House?
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's a heavy wave of discounts this January in addition to historical discount patterns for this time of year. Fitness equipment is a deal now. Buy used and check out Craigslist and Facebook neighborhood groups. CES is pushing the latest high tech TVs. But unsold Christmas TVs are deal right now both online and in-store. Housewares and bedding are a January deal. Toys: there’s a lot of unsold inventory right now – a good time to buy birthday gifts. Winter clothing is more heavily discounted this year. The grounding of the Boeing Max makes January sales less aggressive, but travel deals for spring and early summer are available now.
The IRS reports that only 3 out of every 100 eligible for Free File are using it. Free tax prep and filing is there for anyone who earns $70k or less annually. Many services provide free state tax filing as well. But no one knows. Don’t get sucked into paying.
Many websites and apps are afraid of California, the only state with an online privacy protection law in place. For many companies, real compliance with CA means de facto privacy protection for all 50 states. Microsoft is among this first, with many following. You’re likely seeing new privacy links from sites and apps, allowing you create privacy settings and prevent them from selling off your personal data. Most sites and apps sell off our personal info in various ways all day long. California has designed a system allowing consumers to opt-out of their data being sold. The LA Times reports on how different sites are handling this. Some come with the dire warning that IF you opt-out of the sale of your personal info, they will not be able to offer you personalized ads. OH NO! Actually that’s what you want. This should be the national standard. It’s an abject failure in Washington that this isn’t already national law. California has essentially set a standard affecting the entire country. If you’re creeped out by the microtargeting of you and selling and reselling of your personal info, pay attention to these privacy notices and set the most restrictive measures allowed to protect your privacy as much as possible. Sure seems like Congress doesn’t care about U.S. citizens, when what should be longstanding national policy has to come from one state. Learn more about your ad choices. Visit megaphone.fm/adchoices
January bring a LOT of travel deals. Clark talks about how to grab them. If you get internet from cable and there’s an increase, check out what the monopoly phone company charges. Be very wary if you still get legacy cable TV. Those rates are going way up to compensate for cord cutters. While your at it, consider going to streaming to save money. The WSJ has investigated large cable companies and analyzed data filed with the FCC, and found that the cable companies are lying about internet speeds. People aren’t getting what they’re paying for.Because of the structural deficiencies created by monopolies, we pay much higher rates than other developed countries, for less internet service. That gap is about to close. Consumers will FINALLY have real choice at much lower prices. Clark guarantees it!
For over a year Clark’s been pounding the injustices of public service employees, government workers and teachers getting ripped off in their retirement plans, usually 403bs. A WSJ investigative report reveals teacher and public employee unions are taking huge kickbacks from insurance companies for favoring their plans. The NEA teachers union takes $Millions in kickbacks from the companies providing retirement plans that cost up to 100 times in fees what a low cost Roth IRA or 401k would cost. These unions are selling out their own members. The WSJ reports while the NEA is recommending ultra-expensive 403b plans to teacher members, their own employees are in low cost Vanguard plans. Rise up at your union teachers and force them to stop cheating you on your own retirement future.
VISA has issued a warning about how exposed consumers are at gas stations, which remain inside a 5 year delay for implementing payment processing security rules. The danger is enhanced in the remaining year of non-compliance with current standard payment security measures. A more secure payment phase-in begins this year. In the meantime, criminals have a target on every gas station they can hack and skim. This ongoing problem gets bigger in 2020. If you pay at the pump, know it’s a roulette game with a high chance your card will be compromised. Big danger to debit users. Within minutes, criminals can empty a debit account. Credit cards offer more protections. If you must pay with a debit card, go inside to pay, reducing fraud risk. Another precaution, if app pay is available at the pump, choose that option for enhanced security. Otherwise use a credit card NOT a debit card. Learn more about your ad choices. Visit megaphone.fm/adchoices
Congress just passed the SECURE Act which modifies how retirement plans work. The RMD – required minimum distribution has changed the age requirement from 70.5 to 72. Also, small employers can now ban together to offer low cost 401k plans to employees. This capacity will gradually emerge over the next year, putting small employers on a more equal footing with large companies in their ability to offer retirement plans. Also, excluding part-timers from participating in 401k plans will be outlawed. Starting next year, employers will have to make 401ks available to part-timers. And employers will have more power to automatically enroll workers. Generally, Americans allow spending to rise to income levels and beyond. Mandatory enrollment will be more prevalent, with options for workers to modify contributions. Since Social Security alone is not adequate income and many will be physically unable to work their entire old age, these new rules facilitating increased retirement planning are a benefit to society.
Technically the new decade starts Jan. 1, 2021, but we’re in the 20s – a new beginning. We commonly write 2 digits each for month, day and year. But now that it’s 2020, there are warnings to write the year in all 4 digits. On any document – contracts, leases, checks etc., if you only put down /20 – anyone can easily backdate it by adding 2 numbers. Write out all 4 digits for the year. Get in the habit to prevent hazard.
This January and February will be the biggest post-holiday clearance months we’ve seen – and 2020 the biggest clearance year yet overall. That’s unusual in a strong economy, but this year broke pattern. Retailers are in shock over the unprecedented number of returns. Many of the items coming back have no value for theretailer. As a result, clearance sales are the real deal, especially on apparel. It’s a double whammy for clothing retailers as spring items are already on the shelves and online. Now comes overwhelming winter returns. Mark downs are off the charts. This was the first Christmas season that a big percentage of clothing was bought online, creating return rates stunning to everyone in retail. The FT reports that online purchases are being returned at 3 times the rate of in-store purchases. Retailers are forced to rent trailers and warehouse space to house the returns, overwhelming staff. Hence it will take longer to get the goods back out for sale, driving down values even more. So THIS year, we’ll continue to see clearance sales into February with significant markdowns. Next holiday season will have to be different because retailers can’t deal. Wide return rights have boomeranged on retailers into a tsunami of returns. All to the point that phenomenal bargains can be had for the next several weeks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Edmunds.com research covering the first 9 months of last year finds that 1 in 3 who traded in a car at a dealership were upside down on the trade-in car. They owed more than the trade-in was worth, averaging $5K. They rolled that debt into a new deal, and leave even more upside down on a different car. This is a disaster. A year ago a dealership F&I man - head of financing & insurance - angrily approached Clark, accusing him of killing business. He'd run into customers who'd gotten Clark's message not to roll negative equity into a new purchase. If you're tired of your car, have it cleaned & detailed. Learn to love it again, pay it off, own it free and clear and drive it debt free. Don't trap yourself by rolling old debt into new debt. This has lead to more repossessions. It doesn't end well.
Edward Jones is knocking on doors to sell investments. A new trend is a real danger zone for our senior citizens. A Clark staffer's 97 year-old Mom was solicited at her door by someone trying to sell investments. Commissioned sales people are hitting neighborhood streets. Morningstar writer Christine Benz reports on finding her intellectually disabled sister being solicited at their home. The elderly are targeted. This is NOT a safe way to buy investments. Make sure the seniors in your life know not to answer the door on this!
Clark first talked about Lemonade insurance over a year ago when it was an experiment in one state. Time for an update. Lemonade is a coop for homeowners and renters insurance. That's all they sell. When you file a claim, it's not an adversarial process. They use automated claims processing. About 1/3rd of claims are simple enough for automated approval in under a minute! That's different! So far we've had no complaints. Lemonade is now available in roughly half the nation's states. Find out if your state is included at Lemonade.com. Pay potentially lower premiums and not to be treated like a criminal when you make a claim. Learn more about your ad choices. Visit megaphone.fm/adchoices
The CDC reports a massive decline in the smoking, down to 13% of the adult population. The same week, a dramatic decline in lung cancer was reported recently. And more people are living 5 years+ after diagnosis. In addition, the British Journal of Sports Medicine finds that if you run, even just once a week, you reduce the risk of early death from any cause by 27%, from heart disease by 30%, from cancer by 25%. Lifestyle changes make a big difference. Running twice or more a week doesn't dramatically increase the benefit! So get your weekly run on to dramatically improve your health and lifespan.
After housing, transportation is our biggest expense. So it's important to choose the most reliable vehicle. The vehicle market is way overstocked. Carmakers are suffering sluggish sales and bloated inventory. There are deals all over. But, it's not a deal if the car isn't reliable. Consumer Reports does a deep dive for their annual automobile reliability survey. Again, LEXUS emerges as the most reliable vehicle, followed by Mazda, Toyota, Porsche, Hyundai's Genesis, Hyundai, Subaru, Dodge, KIA, Mini, Nissan & Honda. There are specific models listed within these makes. Lexus, Toyota and Mazda have 3 out of 10 each, Hyundai has the last 5. Consider reliability when buying a vehicle. Learn more about your ad choices. Visit megaphone.fm/adchoices
2 months ago Clark shared a Bankrate survey finding ATM charges have hit an all time high. Banks are looking for every possible way to take advantage of account holders, charging $4.75 on average for ATM use. You have alternatives. Discount broker Charles Schwab offers banking services, a pioneer in 0 fee ATMs worldwide + no foreign currency junk fees. Their checking is a straight up clean deal. The online banks offer a wide network of ATMs you can use fee free. Online bank apps can show ATMs near you to help you avoid fees. Online banks have no branch overhead, and pass the savings onto customers.
Post holiday is prime time for side hustles to get out of Christmas debt. January brings a steady stream of emails and social media posted opportunities to pick up part-time money. Be aware of solicitations for a job as a 'drop shipper'. Your home address is used as a delivery point. You're paid commission to resend packages to addresses provided. That's receiving stolen property to send overseas. Being paid makes you an accessory to a criminal ring moving stolen goods. You could do hard time! These crooks use stolen credit cards to buy merchandise, they send it to you to send further out. That leaves you holding the bag. Also next month, expect to see a push in MLM schemes. Legit multi-level-marketing are all about selling a product or service, NOT about recruiting. If the emphasis is on recruiting, the MLM is likely a pyramid scheme. But even when legit sales are involved, 2/3rds to 3/4ths of participants make 0 net dollars from the effort. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some workplaces now have the open vending room, equipped with digital cameras. You can register a credit card via fingerprint for ongoing charges, or pay per use. Half the options available are fresh, healthy choices. Improved vending choices is a trend around the country. The industry national association has an agreement to self regulate and make 1 out of 3 choices healthy in 2020. Much of this trend is being driven by consumers. People are choosing fruit, protein bars and other healthier snacks. Also the industry is terrified of the kind regulation or prohibitions surrounding soft drinks.
Barron's published an article about how difficult it is for Uber & Lyft drivers to make money, unless they buy a used, high fuel economy vehicle. With a 4 year old Toyota Prius at $13 - 14K averaging 50 miles a gallon, it's possible to make a decent living as a gig driver. The cost of the wheels and fuel is core to being profitable as a driver. This also pertains to sales workers given driving allowances. The Tesla Effect is also in play. Tesla has been so popular with luxury drivers, it's devastated the resale value of used European and German luxury vehicles. Today you can find a 3 year old lux car priced in the mid-teens. This is a unique situation in the market. Figure in the overall slowdown in vehicles sales as well, used vehicles are a great deal now. The oversupply of new vehicles piling up on dealers lots means you may be able to buy new for the price of a 1 or 2 year old used vehicle. Use the current distortions in the market right now to your advantage. Learn more about your ad choices. Visit megaphone.fm/adchoices
Snow skiing is a very expensive hobby. There are many bargains available for getting to the slopes and skiing. CO and UT are the 2 biggest ski zones. Because of extreme airfare competition in the Denver hub, it's ultra inexpensive to fly to CO. Plus there's been a massive expansion of limited service interstate hotels in CO. So skip the fancy lodges to save. If you stay along a freeway in close proximity to a ski mountain - that's a big savings. For UT, there are 9 ski mountains within close proximity to the Salt Lake City airport, but as a Delta hub, airfare is pricey. But once you get there, there are many affordable hotel options in the Salt Lake Valley close to mountains. Aspen, Vail or Deer Valley lift tickets run around $200 per day, but many other mountains have affordable lift ticket prices. Liftopia.com offers lift ticket bargains. Skiing doesn't have to be so costly. In both markets locals rent ski equipment at better prices than found at the mountains.
Clark has called Wells Fargo "a criminal enterprise impersonating a bank". Hopefully new leadership will end the illegal culture there, but even so, Wells Fargo is a big, traditional bank. The bigs, BOA, WF, Chase and Citi have roughly 50% of market share in the U.S. These are high cost operations under pressure to show profits to stockholders. Their business model is to see how much they can take from customers every month. As a result of how the federal government handled the banking scandals last decade, the smaller banks were hollowed out and are mostly gone, changing the equilibrium of banking. More tech sophistication from online banks allows them to offer better deals, and make a competitive impact in the marketplace. If you have money in traditional bank saving or CDs, you're cheating yourself. Because of these factors, credit unions have gone through radical transformation as well, with the smaller players merging into larger ones big enough to get their tech up to date. Younger customers are looking for great apps and online banking features - modern in every sense. The cultural difference a credit union offers remains - a co-op owned by and serving its members. The biggest credit unions offer a mix of online banking assets, branches AND a focus on service. Learn more about your ad choices. Visit megaphone.fm/adchoices
If you have a need to call customer service, be aware they have a great deal of info on their callers. They may know everything you ever purchased from them, how profitable you are, complaint history etc. Your profitability index score determines how much customer service you'll get. Ultimately the big data that companies keep and buy, means we know nothing about them but they know plenty about us. If you're not a high volume customer, you may find going in person to a store gets you better results. The higher your profitability index score, the better customer service you'll receive by phone.
Jobs in tech and engineering generally yield high pay. For others, the big question is whether their education will pay off. The federal government has compiled deep data on the payback on particular courses of study at specific schools. No one school emerges as best or worst value. The desired field of study is key. An interactive tool available in the WSJ adopted from the federal database allows you to pick a school and course of study, and see cost vs earnings payback. Parents and students can see if a degree from a certain school will be worth it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Historically, 1 in 5 Americans move each year. But the Census Bureau finds we are relocating at a much lower rate today, closer to 1 in 10 moving each year. People are staying put, primarily because dual incomes make it more difficult to move. This save people money over time. There's enormous cost in both selling and buying a home - generally 10% in and 10% out. One important exception: It's better for your net worth bottom line to move out of a deteriorating neighborhood. It's worth it to sell and move on because it can take decades for neighborhood home values to recover.
The Financial Times of London did a poll concerning American attitudes about healthcare. Premiums, copays and deductibles have gotten huge, so even with coverage, we're exposed to how unbelievably expensive healthcare is in the U.S. The FT survey found healthcare cost is considered the number one economic threat to our nation in many states. Healthcare consumes 20% of the nation's economy. We can not prosper as a nation in global competition with 1 of every 5 dollars of economic output being swiped by healthcare, It's one out of $10 -$12 elsewhere. That gap is devastating to us. We must address this. Hospitals are freaking over new cost disclosure rules. We should have the right to know costs in advance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Coming next year: the electric Ford Mustang SUV - faster than any Mustang muscle car before. Electric vehicles will get steadily cheaper with longer range. The baseline Mustang SUV will cost what any average SUV costs in the U.S. - around $36K. In the next few years, hundreds of electric vehicles will be introduced. They cost almost nothing to operate and maintain, They typical electric vehicle will get the equivalent of 120 miles per gallon. In TN, VW will be introducing a large variety of electric vehicles. The cost of owning and operating a vehicle will collapse with electric cars. Warning: Electric vehicles are much faster than what we're used to driving. Tesla has developed tech to allow parents to suppress horsepower to protect young drivers. Hopefully other car makers will do the same. A decade out it will be routine to buy electric vehicles because they'll be so much cheaper.
Most people could come up with an extra grand a year by taking the time to go through their expenses and make cuts, capturing the money we burn without intending to. This is easier today because we have so many tech and subscription services. Start thinking about the $1000 challenge. Many could save hundreds a year just by changing their cell phone plan. There's virtually no one who can't generate hundreds in savings by reviewing how they watch video content. Look a what you're subscribed to. Are you using it? Gyms, video streaming services - go over expenses. Grocery shopping is an area where you can save. Think through what you spend, how you spend, where you bank. Go through checking and credit card statements and look where your money is going. Create a checklist of what you can do to save $1k in 2020. You CAN do it! Learn more about your ad choices. Visit megaphone.fm/adchoices
People have become comfortable subscribing to most anything. But cars is a new frontier. The first efforts at car subscription services appeared in 2017, all aimed at the luxury market. $1 - $2K a month bought a rotating fleet of vehicles as desired. Current services limit changeouts. There are now subscription services competitive with typical vehicle costs. The cost of having a vehicle all in averages around $700 a month. Now car subscription services are appearing that include insurance, maintenance and all fees with no long term commitment for $500- to $700 a month. This allows you to flex vehicle needs from sedans to trucks. At this price level, these will be typical vehicles. This could be a good choice for convenience leasers. The best answer remains buying a used car and driving it until the wheels fall off.
Clark’s has talked about Mechanical Turk (MTurk), now the subject of a NYT report, claiming it’s a waste of time paying .97cents an hour. Our own investigation found you could average making around $7 an hour. True, many surveys on the site are a waste of time. But there’s a plugin we recommend to figure out which surveys are worth your time. Learn more about your ad choices. Visit megaphone.fm/adchoices
One Minnesota senior living center is renting out vacancies to nearby college students. Students in residence volunteer hours to senior citizens for discounted food and lodging. Winona State students and seniors benefit alike - Win - win! The mutual benefits of this cross generational opportunity are immeasurable. Meanwhile the predicted demand for senior housing could be exaggerated, as more seniors choose to age in place, accommodated by technology. Adult children can monitor their aging parents from across the country. Apple and Samsung watches provide the capacity for shared health alerts. New services provide a level of care through home visits at a much lower cost than residing in institutional settings.
Tech firms are going heavily into banking services. Fintechs offer new ways to handle, save and invest your money. A survey found that of the big 4 tech companies, people trust Amazon the most to handle their money. They've yet to enter that sector. But The WSJ reports Google is setting up banking operations in a joint venture with Citibank and a credit union. Google enjoys a financial trust level greater than Apple. The survey reports the least trust in Facebook, which has trashed its own reputation. Facebook has not shown respect for user privacy - a long term issue that undermines its credibility. Google is trusted 2 to 1 to handle money vs Facebook. The big news for consumers is that change comes from outside this industry. New and improved deals are coming from competitors outside traditional banking. Around 15 years ago, European ING Direct pioneered online banking options we enjoy today, offering superior rates on saving. Traditional banks are limited by legacy computer systems and mergers, leaving them with antiquated, high cost operating systems. Consumers will have more choice from innovators. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google has the most sophisticated search tool for finding travel bargains because they acquired a key industry database. That combined with Google's data capabilities yields up-to-the-second info. They've added a feature allowing you to shop flights to adjacent airports while shopping flights between selected airports. Google.com/flights is able to shop all fares for months at a time for selected and neighboring airports. You can pull up a calendar and see day by day, month by month the cheapest fares.
Let's go back a decade + and talk analog financial crime - stolen wallets. It still happens. NEVER NEVER NOT EVER carry a checkbook unless you're on your way to a house closing. If your checks are stolen and a criminal writes checks as if they're you, when those checks pass - YOU get arrested for the bad check. You end up with a record, and having to hire a defense attorney. You have to prove innocence. It's an abuse the way the law works here. 2. Purge all the cards you really don't need. Limit the damage by scaling down your wallet. NEVER carry your social security card around. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retailers now use third party data services to determine whether you get to return an item, regardless of their return policy. "Machine learning" big data companies are crunching data on us all different ways and issuing secret scores, very different from credit scores. The NYT reports on these outfits including Retail Equation, and one called Sift which analyzes 16,000 different factors on an individual to come up with a Sift score for sale. Clark has requested his data from one such company called Zeta Global. Many of these have operated in the shadows, only marketing to companies while stonewalling curious consumers. But California's new privacy law takes effect in January, giving consumers the right to access such data and have it removed. Some of the services are already complying nationwide. They're all terrified of states passing such statutes with differing requirements. We should have the right to control and delete dossiers on us. What happens when these companies get hit with data breaches and all our info is further exposed? Clark will share his requested data files, let you know what you need to access and what rights you have with your own data. Creepy that all these organizations are developing secret scores on us using their own methodologies. Where is privacy? It's not written into our Constitution because early America was so rural, connection was the goal. Privacy is a modern concept that now must be adopted as a national effort comparable to European privacy law which is working well.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
In Clark's almost 33 years on the air, an unmistakable trend has emerged. In his first 15 years, there weren't questions about saving and spending in retirement. Since then, retirement questions have increasingly arisen. Why no questions early on? In the 1980s and 90s, people retired with pensions. Today almost nobody has a pension. People know it's up to them to make retirement possible. There are those in the financial industry that thrive on confusion surrounding retirement planning, offering their services to handle it for you. Don't be a sitting duck. Overcome your confusion. Many self-serve low-cost investment companies now offer various forms of service to help you plan. Fidelity has a virtual reality tool. Vanguard and Schwab have programs as well, making it easy for you to invest, commission free at ultra-low cost. You don't need a salesperson. There are wonderful low cost choices.
The NY Post reports scams involving crooks trying to pry social security and other personal info out of you are up 23 fold in the last year. DO NOT ENGAGE anyone in conversation who claims to be from the social security administration. They're not calling. Crooks are, and they're calling people of all ages with all kinds of fish stories about why you need to cough up your personal info or pay them to protect your social security. Ignore, hang up, delete.
When you own a timeshare you want to get rid of, you face a challenge. Most timeshares have basically no value in the marketplace once purchased from the developers. Marketing costs, commissions et.al. are costs down the drain. Think about the overhead involved in selling a condo unit 50 times vs. 1 time to 1 owner. Real estate value is eviscerated by multiple selling costs. So you're selling an obligation for the next buyer to pay around a grand a year for one week at a condo. Easier to pay hotels and have no obligation. If you no longer love your timeshare, there is the rare chance the original marketer/developer will buy it back. Big hotel chains in this business don't want want the word out about how little that week is worth. They don't want their timeshares on resell sites with you offering money for someone to take it, while they're trying to sell new weeks for $25- $30K. So if they're still marketing active weeks, they may be willing to buy back from you, likely at minimal cost. ResponsibleExit.com is the developers' preferred place for you to list your timeshare. It preserves value for them and helps protect sellers as well. If you're developer is gone, check out the Timeshare Users Group, a $20 a year membership co-op site with a selling forum allowing you to post a week. The best potential buyers are other timeshare owners looking for additional time. Do a traditional closing and have no further legal obligation on that property. Learn more about your ad choices. Visit megaphone.fm/adchoices
A week out from Christmas, many have put themselves in a financial bind. Clark felt that those who used budgeting apps were the type who really didn't need them. But research shows a clear benefit to these apps for problem spenders. People who employ spending apps immediately cut back on food and beverage costs by almost 20%. Overall spending drops 15% for app users tracking spending. There is an advantage to tracking your spending. Mint and similar apps help you know where the money goes. If that doesn't work, go ALL CASH. In severe cases, living within a finite amount of cash means spending drops dramatically. You manage to get by on what you've got. It works.
Clark first wrote about this scam in 1993. Exploiting the desire for fame, the fake casting call scam appears mostly via social media these days. A hopeful shows up to great praise, urged to sign a contract and pay money to spark their career. Don't fall for it. If you've got the goods, you get paid.
Americans are buying bottled water in larger numbers as trust in public services and government has declined. A Consumer Reports investigation found two thirds of all bottled water comes from tap water. Municipal water supplies are tested multiple times daily. People assume bottled water is safer. The Flint MI water scandal damaged the people's trust in tap water all over the country. 60% of Americans think bottled is safer than tap, but there's more proof to the contrary. Consider using filter pitchers in your home. Consumer Reports found The Stream Rapids Brita and Pure Ultimate with lead reduction, both at $30, improved water taste. Essentially, 2/3rds of bottled water is similarly filtered. So think this through. Drinking bottled water typically costs $1K per year, vs. $30 for tap water you can easily filter yourself - and save - while being just as safe. Learn more about your ad choices. Visit megaphone.fm/adchoices
2020 will bring deals on breakfast. More people eat breakfast away from home. McDonalds and Starbucks account for almost half of breakfast buys, and other fast food chains want a piece of that market. Wendy's is giving breakfast another go. In the new year, there will be more competition for your breakfast dollar, expect discounts galore through 2020. Pay attention to discounts from your favorite restaurants through their apps.
AARP reports on financial exploitation of the elderly. Research put the average take at $120K over time. Bank account rip offs average just under $50K. One third of the victims are 80 and older. Often it's a family member / caregiver taking advantage of an aging relative. The holidays bring families together. Adult children need to know what's happening with their aging relatives. Scattered families facilitate this crime, so take time to understand what's going on. You don't want to regret not protecting your loved one. Please remember to be nosy and ask questions.
In massive numbers, people are cutting the cord - canning pay TV from the cable, phone or satellite companies for streaming. Streaming offerings and charges are changing all the time. In 2019, many streaming offerings have been free. But for many, getting local channels has been a roadblock to cord cutting. Locast.org now covers more than half the population of the U.S. This non-profit provides streaming for local channels. If you can't put an antenna up or get a good signal, you're able to get local channels streamed via Locast. The traditional pay TV bundle will soon be so last century as it becomes more efficient and cheaper to stream TV. Learn more about your ad choices. Visit megaphone.fm/adchoices
So many are languishing in low paying jobs, unable to get ahead. See the Clark.com story on jobs that don't require college degrees and pay at least $70k per year. The Bureau of Labor statistics provides the data. The number one job - Air traffic controller - does require 2 years of training and retirement at age 55 - $125k per year. That may be too stressful for many. Job number 2 - Logistics (transportation, storage or distribution) manager at $95K. Police department supervisor - wages vary by location - $90K on average. See the full list including required training and education.
A Bankrate survey reveals that more than 1/3 of those who have lent money to or cosigned for family or friends, have suffered financially with their credit ruined, money lost and/or the relationship damaged or destroyed. True example: Someone who cosigned for a friend's vehicle later had to pay for a repossession for a vehicle that had no benefit from, which ruined their credit for years. If you lend money to a friend or family member, think of it as a gift. Do not expect to get paid back. If they were good for it, they'd use a bank. Secondly, don't ever cosign a loan unless you can afford to deal with the consequences if the borrower chooses not to pay. And make sure you're aware in real time whether the payments are being made on time. If not, step in and pay, because you're fully legally responsible, no matter what.
At January's CES convention Clark reported on app-based toothbrushes. It seems that both children and adults generally do an inadequate job of brushing. Expect to see app-based toothbrush systems peddled over the holidays. These systems vary but generally monitor and guide brushing. Prevention is key. This could save you dental trouble. Also, dentist are migrating to precisioned designed, near perfect 3-D printed crowns, which can be completed in one visit. This technology is in use for only about 15% of dental practitioners, but as more adopt, it gets cheaper and better. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses some newer apps that help you shop at local businesses.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
LinkedIn has published a list of the top 10 emerging jobs. The trend is clear: STEM jobs are happening. 7 out of 10 are related to tech, computers and science. Don’t go STEM if you have no aptitude. But if so, the career paths are wide open.
Some for profit schools have taken advantage of students, recruiting them with false promises. The University of Phoenix has historically enjoyed a good reputation. Now the school must absorb a $50 M penalty and $141 in student loan debt from students who attended under false pretenses, having been told the school had corporate partners directly hiring graduates. The FTC found that was all made up. False advertising to this effect started in 2012. Students enrolling based on those false promises of corporate partnerships are eligible to apply for having their loans wiped out.
A Financial Review study looks at how people choose the funds in a 401k. An employer will supply a list of fund choices. People are most likely to put money into the first 4 funds they see on the list. If you’re not into investing and your plan offers a target retirement funds, that’s the easiest, wisest choice to make. Pick the year closes to your projected retirement and the fund adjusts accordingly over time. For Roth investing, also do the target retirement fund. Keep it simple. If your company 401k offering doesn’t have target retirement funds, if you’re under age 45, put the money a total stock market index fund, or a 500 stock index fund. You could also put some of your money into a total international index fund. Conservative investors should consider putting 20% in a total bond index fund. 3 funds could get your money widely allocated to lower risk in times of decline. Choose target retirement funds when available. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark NEVER ever settles a personal score in any public forum. But he will share how he’s been able to solve a problem. Last year Clark bought a deal on a new MacBook for his son’s school work from Woot. When the keyboard malfunctioned, Clark took it in for repair and was informed the computer had been refurbished. Customer service at Woot is moot – Clark’s attempts at reaching them ignored. Clark filed a complaint with the BBB. Clark received a response from Woot offering a full refund after sending back the computer. The response gave no admission of guilt – but a full refund. When you have a customer service issue, don’t give up. Keep trying different approaches to get to a result. There are many different levers you can pull. Had they ignored the BBB, Clark would have attempted the arbitration.
Fraudsters are selling snake oil cures to the desperate terminally ill. Clinics have opened up around the country promising stem cell treatment cancer cures. The Washington Post reports one such clinic claimed an 80% cure rate, when actually they cured no one. The FDA is trying to go after these clinics but they morph to survive. Stem cell treatment become bogus blood treatments. Better to find a university based research center doing advanced work on the illness at hand.
The Atlanta Constitution reports on how a rideshare passenger and driver impacted each other’s lives. After getting acquainted during the ride, the benefactor passenger paid for the driver to finish her degree at GA State University. She worked 2 jobs, raised 3 sons and had run out of funds to finish her education. Passenger Kevin was so impressed with her life story, he was inspired to help her. He made his way to the registrar’s office, paid off her tuition and paid forward for the rest of her education. Now at 43, she has completed her degree. Now she aspires to attend law school! Story 2: USA Today reports how a MD real estate firm doled out bonuses to employees at total of $10M at the company Christmas party last weekend. Employees received $50K on average. The smartest capitalists share success with those who make it happen. Many in business who have a great year don’t think beyond themselves. But nothing substitutes for making an employee feel like an owner sharing in success. Learn more about your ad choices. Visit megaphone.fm/adchoices
The lines for returns start Dec. 26. Often you’ll get a gift card to use at that retailer to shop. The week between Christmas and New Year’s has become one of the busiest shopping weeks of the year, and an expensive one as well. Lines, crowds and higher prices. Better idea: January 6th or later is when to return items, unless that retailer has a tighter window on returns. By January 6th and later, shoppers have evaporated and excess merchandise and previous returns all get marked down. No crowds, no lines, lower prices. Amazon gifts can come with return vouchers. Make sure when you open a gift delivered by Amazon, you find the gift receipt in order to do a return if need be.
Yes it’s hard to consider switching banks but Wells Fargo continues to prove it’s a criminal enterprise posing as a bank, unworthy of being trusted with you money. Follow up on a previous story – $2.5M of a widow’s inheritance was stolen by her Wells Fargo broker trading at Wells Fargo. The broker is alleged to have forged documents to generate massive fees. The only recourse: arbitration. Concurrently, the Office of the Controller of the Currency has sanctioned WF for ignoring employee grievances. They’re doing nothing to investigate employee complaints. You are at risk if you do business with this company that REFUSES to do right by people.
About 1 in 8 of us are self-employed or have some kind of side gig. Tax is not being withheld with this type of work and you could get hit hard at tax time. You’re expected to pay 15.3% to social security and make estimated tax payments 4 times a year. If you don’t, you’ve under withheld and are penalized. If you also have a regular job, do maximum withholding, averaged out over the year by the IRS, to reduce penalties for not having paid through the course of the year. If solely self-employed, pay the IRS the sooner the better to stop the interest and penalty clock. You’re expected to make estimated payments 4 times a year, state and federal. For the solo self-employed, you can do a solo or self-employed 401K with generous limits to reduce your tax bill. For high earners, a SEP has a limit around $57K per year you can set aside for retirement, fee free – all to reduce the tax you’d owe otherwise. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the current economic situation. Unemployment is low. Hooray! But pay has not gone up as much as it should have considering the current unemployment numbers.
How much should you tip during the Holidays? Clark talks about who you should consider being generous with this time of year and what amounts to a fair tip amount. Learn more about your ad choices. Visit megaphone.fm/adchoices
Next year we’ll see many great airfare bargains domestic and international. Allegiant, Frontier and Spirit, the 3 hard discount airlines are having a big impact on airfares all over the country. When they come into a marketplace with a flight even just twice a week, airfares in that market on other airlines decline. According to Hopper, there’s a 17% rate drop when a new flight comes in from a discounter. Another factor for lower airfares in 2020: Eventually the Boeing Max is going back in the air. The influx of more aircraft will have an effect. The Southwest effect: Fares drop by over 60% when that airline enters a market. As Southwest gets the Max back, there should be a bargain affect. When a new route is introduced, deals appear.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
One recent study reports a record 5.7 billion robocalls were made in Oct. alone, up 25% from the month before. That translates into 182 million robocalls per day, or over 2 thousand per second. Experts predicts by year’s end, Americans will have received about 60 billion for the year. Phone companies make money from robocalls. The FCC is putting heat of telecom to address the problem by the end of the year. The industry solution – Shaken/Stir, could take years to meaningfully remedy the problem. Shaken/Stir will reduce robocalls at best but the problem will not go away. Filters like NoMoRobo can only block numbers known to be spam, while robocallers & scammers keep switching lines to get around filters, or commit spoofing.
Most workers don’t receive pensions anymore, except for many state and local employees, many of whom are underpaid. Generous pensions are promised in return for years of service. The Economist reports state and local pension plans are underfunded. Either pension promises will be broken or taxes will have to go up. The real solution is better pay for state and local workers and 401K plans like workers in the private sector. Underfunded pension don’t work for taxpayers or government workers.
About 1/4 of Christmas shopping is being done online.That means a massive number of packages circulating. Criminals are engaging in porch piracy on a scale never seen before. Many homeowners are putting in cameras. For theft prevention, several companies are selling connected package receiving boxes, accessed by delivery workers via one-time use codes, able to alert the owner to a delivery. The boxes can be at the street or at the front door. It’s become a burden for apartment and condo staffs to handle packages. Amazon is pushing their lockers in Whole Foods locations. Walmart and Target have package pickup. FedEx and UPS stores have pick up locations. Learn more about your ad choices. Visit megaphone.fm/adchoices
It’s estimated 1 in 5 U.S. adults has a thin or no file by traditional credit reporting methods. A new regulation was issued yesterday giving the green light to new methods of measuring credit worthiness. Rent and utility payments can now be considered along with other behavioral analyses. Many young adults can benefit from this. What you spend vs what you earn is a new and very valid criteria for new scoring models. Do you live on less than what you make? Good saving habits are an indicator of a good bill payer. This hasn’t been a factor until now, to determine credit worthiness. The banking industry moves slow, so expect to see this first adopted by fintechs. Petal Card is among the first to use alternative scoring models.
Many have made a habit of unplugging everything before leaving home for a few days, to cut down on power use and for safety reasons. Vampire electronics – Dracula devices are thought to eat up home energy. USA Today’s Know Your Stuff column reports that today’s modern appliances and electronics do not eat power when not in use. The energy consumption of at rest appliances and electronics is only 10% of what it used to be. If you’re going on a trip, consider unplugging power strips. The number one thing you should do to save on energy is use LED lighting. Smart thermostats auto adjust to maximum energy efficiency. These are simple ways to save on power.
Clark discusses which toys made the list of unsafe items this year. Be careful what you buy for your kiddos! Learn more about your ad choices. Visit megaphone.fm/adchoices
There’s been a huge increase in the number of fake reviews. Consulting firm Pattern found for an item listed on Amazon, a one star higher rating leads to a 30% increase in sales. The marketplace incentives for fake reviews to boost a score are so enormous, fake reviews have infiltrated the retail landscape. According to Fakespot, in addition to Amazon this is a problem at Walmart.com. There’s no reason to believe it’s not a problem across retail sites. 35% of all reviews on Amazon are fake, often generated by paid writers from overseas. This makes it important to read reviews because you can tell when they’re bogus. Most people only look at the number of stars. Red flag: when an item only has 5 stars be suspicious and read on. Check Consumer Reports rating for the most trustworthy assessments.
Gift cards remain popular, but 40% of Americans no longer wish to receive them because of all the fraud. Criminals gain access to secret codes enabling them to empty the cards upon activation. LA Times columnist David Lazarus reports gift card fraud has gotten more sophisticated. Now hackers have compromised the entire gift card system, able to use a computer program to figure out secret codes and card numbers for most every card issued. They can now compromise cards at will, and generally the retailers don’t make good on the ripped cards. Caution! Know the risk has increased and retailers have failed to provide adequate security to protect gift card purchases.
Dealing with trash is a huge expense for municipalities. But city and county recycling efforts are not profitable today and attempts to do so are burdening tax payers. There’s been a technological breakthrough developed by an Israeli company that’s gotten worldwide attention. Startup UBQ Materials is using a new method that’s achieving zero waste. New machinery can sort, chop, grind, shred, clean and heat garbage into a thick liquid, which can be turned into pellets and reused in manufacturing. Full upcycling has been achieved here. The conversion of all waste into a potentially valuable product has enormous advantage to society, including the elimination of landfills. Key: solutions must be economically sound to be sustainable. We face strong demands on water and other resources, disease from waste and other problems. Solving these problems in such a fashion will make it green (profitable) to be green. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stores were not crowded on Black Friday this year. Clark visited Costco, Target, Walmart, Microcenter, Ollie’s & Five Below just to get a feel for retail that day. There were no real crowds. Patterns have changed. Around 23% of holiday shopping during Black Friday month will be done online, up significantly from last year. So much of shopping has shifted to click and collect. It’s convenient for shoppers to order online and pick up their merchandise. Costco stepped up promotions this year with an emphasis on Costco.com, but marketing got ahead of operations, resulting in a massive computer failure, crashing the site.
It’s gotten too easy for consumers to take out personal instant loans right on their smartphone. This is a booming business, with solicitations everywhere including on social media. The average loan is over $15K and as much as $30K. 20 million have done so thus far. These loans carry a moderately high interest rate. Many of these loans are being taken out for lifestyle. An Experian survey finds that 1 in 3 Americans acknowledge taking out a personal loan for Christmas shopping. Anytime you borrow for lifestyle, it comes back to burn you because it leaves no cushion in your life for the unexpected. Remember what really matters is time spent with loved ones. Bake or do something nice for someone in lieu of spending, because going into debt to keep up appearances is unwise, creating anxiety and financial pressure in your life.
More than 1 in 3 Americans rent. The screening process is important to this 37% of U.S. adults. Historically a landlord would run a credit check and maybe check references. But today, large scale landlords are adopting more sophisticated tools using AI and deep data to come up with a renter score. Being judged on broader criteria can be a plus for those in the gig economy, no longer limited by traditional income ratios, and for those without traditional credit. The algorithms vary, but all use an array of factors – totally different than how screening has been done in the past. One model considers the type of debt an applicant has, weighing student loan debt less than credit card debt. Different factors are in play to determine suitable tenants. Small landlords generally are not using these models. Large corporate apartment complexes may be using several. One complex may reject you or require a large deposit, while another may give the go ahead. Learn more about your ad choices. Visit megaphone.fm/adchoices
We get many calls about online banks. Last December Clark was talking about stock trading app Robinhood launching a 3% checking account. That was shut down in 2 days by regulators because it was non-compliant with insurance rules. Robinhood has just launched a savings account paying 2%+ with a debit MC - this time with FDIC insurance of 1.25M. They followed the playbook of Seedrs (?) - a private program that allows you spread money over multiple institutions. Robinhood has 5 banks that have joined them in offering FDIC insured saving/spending accounts. Credit Karma has launched their savings account to their 100M members.
If you get internet from a cable monopoly, they make you rent your modem from them. That's a ripoff of $10- $12 a month on a modem you can buy for $40- $60. Go to the company to search what modems are compatible with their internet service - and buy your own. Check speed requirements. Docsis 3.0 is an example of what you'll need. Also know if you get TV from a cable monopoly, they my quote you a package price of $59, and not to mention additional $40 junk fees. Look into streaming to save money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark promised recently to convey the key components for fixing healthcare in the U.S. He starts by asking how to align free market incentives with more efficiency and less cost. We have by far the highest % of national income going towards healthcare of any country in the world. It's shocking we spend 1/5 of our nation's wealth each year on healthcare. The next highest is 8 or 9% of a nation's output for healthcare. We must address cost first. How do we make healthcare more affordable? The industry doesn't think of patients as customers. The system is distorted with employer coverage creating corporate incentives. Big employers have a marketplace advantage, creating job lock. Employers being able to deduct employee health care from taxes should end right away. The best marketplace will happen when the customer is the buyer and chooses where to go for care. Healthcare cost will never come under control unless we get federally mandated price disclosure for any treatment in advance, to inform consumer decisions. Consumers should make the cost/benefit choice. In addition to requiring easy-to-read price lists - those prices must be guaranteed. No more surprise balance billing. The price is the price, period. ACCESS: Many American counties have no access to primary care providers. We need national law allowing Physician Assistants and NPs to set up their own practices independent of any doctor where needed. INSURANCE: More than half of all medical care comes through the government at federal, state and local levels, eliminating private marketplace incentives. The role of government should be providing reinsurance, after an insurance company cap is reached. This would get us away from insurers cynically manipulating the political process, selling fake policies full of exclusions and riddled with limits. Insurers could sells medigap like policies with clearly stated coverage and no requirement to buy. There could be no exclusions for any pre-existing conditions UNLESS the insurance was allowed to lapse for a period exceeding one year. Then they could exclude a pre-existing condition for a period of 6 months. This would create a marketplace incentive to stay covered. Selling insurance would be less risky if they capped it in the hundreds of thousands of dollars vs. the millions they now fear and refute. Having government in the reinsurance role would lower risk for the private market for routine healthcare. And allowing consumers to truly be shoppers changes the equation as well. There are many other elements to this including Rx. Know the arguments we've had in the prism of politics have looked at this as a zero sum game. Wrong. How do we make improvements to make healthcare more affordable and more predictable? That's the central question.
The Commerce Dept. has issued a new report indicating Americans now save the most % of their pay in a very long time - 8%. Last decade, Americans had a NEGATIVE net spending rate, spending $1.01 for every dollar earned. Today, people on average are living on .92 of every dollar made - greatness. But it's not evenly distributed. We're of 2 minds about money. Some shiftied their thinking after the Great Recession and have become savers. At the same time, we have record credit card debt. There are many circumstances that lead to deficit spending. But for some, it's lack of planning. Take Clark's 1% challenge. If you're not saving yet, just divert 1% to savings and step it up another 1% every 6 months. If no employer retirement plan, set up a savings account or Roth and have money automatically put in every pay period. We build new habits over time. Slow and steady wins the race. Ideally, work up to saving at least a dime of each dollar. It changes your future and lowers anxiety in your life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Move.org has published a new survey on the average cost of living in the 75 largest metros in the country. San Francisco is the most expensive city, costing over $4200 a month on average. The cheapest: El Paso at $1100 month - 1/4 the cost! Honolulu: $2600. Of the 75 metros surveyed, more than half require less than $2k a month to live comfortably. See list. Clark names each affordable metro because so many live in high cost cities where home ownership out of reach. If you're at an inflection point, be aware of affordable alternatives. Your future, your wallet - You're NOT stuck wherever you are.
More products and services have become available for purchase on a per use basis. Transportation via ride sharing or Zip car, renting vs. buying a home, music and video subscription services. Renting or paying via micro loans for various things is trending. But clothing? The WSJ reports many retailers are offering this option for inexpensive clothing items. You can finance a $30 pair of pants over 3 to 6 months, usually with interest. If there's a piece of fashion clothing you want and you can't afford to pay for it, you should wait until you can. If it's gone it's gone. Borrowing for lifestyle harms your financial future. When you RENT something like clothing, or pay with a microloan from the register - these are not good choices. Just as with a car, you don't lease because you can't afford to buy. Make good long term choices for your wallet, not just what feels good at the moment. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark loves the Impossible Burger - not a fan of Beyond or veggie burgers. Recent reports reveal the Impossible burger isn't particularly healthier. That high calorie meat taste comes from multiple plant fats. Experts initially thought these meat substitutes would only sell in white collar environments and high end restaurants. Turns out Carl's Jr. and Burger King are successfully selling meat substitute burgers and manufacturers are penetrating world markets. Just know it's not a guilt free card healthwise, but much greener on the manufacturing side. In addition to meat substitutes, expect lab grown meat on the market in the future. Lab grown diamonds are chemically the same, eliminating danger and cost. So lab meat will be real meat, but will not come directly from cows.
Is it a deal - smart - to buy the latest greatest smartphone? Cell phone carrier contracts incentivised consumers to buy new phones every 18 months to 2 years. That's not the case anymore. We're out of contracts, making for happier customers. We're all free agents but we have to pay the real price for phones. So now we keep phones 3 years on average. Keeping phones longer - buying last year's model - makes sense. Clark buys various phones frequently to test and finds them all to be fantastic. Apple learned the hard way you can only drive up the price so much, and has regained initiative introducing the Apple 11 at $699 (The 10 / 10S was over a grand). Samsung has also adjusted pricing. Your phone will perform longer than you might think. As long as you can get the updates on the OS, there's no reason to prematurely dump your phone anymore. It's cheaper to just replace the battery when needed. It's AOK now to keep a phone 4 or 5 years. Learn more about your ad choices. Visit megaphone.fm/adchoices
Even with solid education, skills and jobs, it's difficult for many in high-cost cities to live without wheezing financially all the time, often with dim prospects of home ownership. Especially in the NE, DC and the I5 corridor from Seattle to SanDiego - people work hard to just tread water. If this is your situation, think about relocating. Even taking a lower paying job in a community with a much lower cost of living can pay off, and allow for home ownership. If such a move buys you a better lifestyle and allows you to accomplish financial goals, it can be worth it. More companies are relocating or establishing branches in lower cost areas for their employees- who want an affordable life often not found on either coast.
There’s a type of health insurance originally designed for young adults between jobs. These were designed as temporary policies. They exclude pre-existing conditions and generally don’t cover major illnesses. Because of a loophole in the law, unethical insurers are selling these policies to anyone, renewable up to 3 years. Only when someone is down do they find out they have no real coverage. These policies are cheap, don’t have big deductibles and cover routine care. So people think they’re great …. until. Stories have emerged of people facing huge medical bills forcing them into bankruptcies. Relatively brief hospital stays aren’t covered and can be billed in the hundreds of thousands of dollars. There are tight limits on what these policies cover and a long list of exclusions. These policies are marketed as health insurance, but are NOT real health insurance at all. They pretend to cover you, but the low premium you pay isn’t worth it. There’s not a free lunch. The real issue is dealing with the cost of health care itself. Clark will be forthcoming with his solutions to get the cost of healthcare down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Travel agents are a thing of the past, right? Nope! While booking travel online has become incredibly easy and also allows you to compare prices more easily, travel advisers still have a helpful role to play in how you book. Specifically, if you tend to book stays at more expensive hotels or love to go on cruises, booking via a travel agent can gain you perks and discounts that you wouldn't otherwise have been able to score booking on your own.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Home internet has been way too expensive without much competition. Monopoly cable companies have cornered the market in most of the country. Clark predicts this is the last year we’ll be suffering that lack of competition. In 2020 & 2021, we’ll see the roll out of various forms of high speed home internet, changing the equation for consumers. T-Mobile has launched a wireless home internet service for a flat $50 a month, no contract – no data caps. It’s largely rural now with expansion expected. Over the next 2 years, overhyped 5g will be rolled out. For cellular customers, T-Mobile is launching 5g for about 2/3rd of the country’s population the first week of December, but certain phones are required. This will be for early adopters in the first wave. AT&T and Verizon will also roll out fast home internet, plus satellite internet will be an option. T-Mobile is out of the gate here early.
Criminals have infiltrated courtesy USB charging stations in airports, café’s, hotel rooms etc. They have installed illegal reading devices that can skim the info from your device. Ports and cables now pose a risk. They can install malware allowing them to steal your data. Go back to charging your devices in a traditional outlet, with a charging brick or portable batty. Don’t use the easy USB port, cause they’re also easy for criminals to invade in order to drain your info.
This Christmas season is the first that one of the nation’s fastest growing retailers has a presence in much of the country. Five Below – a shopping mecca for teens, offers affordable gifts. Most items are sold at $5. Five Below sources their own goods, overseeing the design and manufacturing of their private label merchandise. Hurt by tariffs, they now have ‘Ten Below’ corners within their stores, forced to break the $5 barrier. Five Below follows a business model perfected by Aldi. Aldi sources their private label goods as well, allowing consumers to save around 40% on groceries. Sourcing allows retailers to undercut the price of competitors’ goods. Five Below shoppers determine quality of goods over time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark has a Spotify family plan. $15 a month includes 5 different streams - $3 per person. Spotify faces competitive market threats from Apple Music. Pandora seems to be fading a bit. Now all face a new threat from Amazon. Amazon’s free, ad supported music service for Prime members has greatly expanded music offerings in an effort to hook users on the pay service. Joel’s already paying. This competition is a win for consumers. Maybe someday the artists and composers will win too.
Unbelted passengers at impact in an automobile accident: Centrifugal force has no mercy. As we move into the holiday season, make sure backseat passengers wear seatbelts, as well as front seaters. According to the Governor’s Highway Safety Association, many fatalities occur each year due to back seat passengers not wearing seatbelts. Uber and Lyft passengers typically ride in the back and seldom put on their seatbelts. This endangers all in the car. Buckle up for safety.
Episodically around the country, scandals of neglect and abuse emerge concerning nursing homes, assisted living and other senior facilities. When trying to find a suitable environment for a loved one needing care – it’s a shot in the dark. You’ll get a pitch designed to earn trust. But what goes on during the third shift? What’s actually happening in these places. You can hire a geriatric social worker for evaluation and placement consultation. They know which facilities do a good job. But most don’t go this route, and fly blind trying to choose a facility. Nursing Home Compare - Find and compare Nursing Homes | Nursing Home Compare. Cited nursing homes are marked with a red icon as a warning to consumers. These homes have to be in compliance for a full year before they lose that red mark of shame. This helps consumers ferret out potentially harmful places. Learn more about your ad choices. Visit megaphone.fm/adchoices
According to the FBI, wire transfer fraud is growing exponentially. Typically homeowners, small to mid-size business owners and nonprofits are targeted. When buying a home, you receive wire transfer instructions for the home closing from your real estate agent, escrow agent or closing attorney. Criminals are infiltrating email services, taking over the email of real estate agents, lawyers and escrow agents. They’re lurking. When they see a wire transfer instructions email, they wait until just before closing, go into the email and send a revised wiring instructions email. This diverts the wired money to them. You show up for the closing and they money has not been received – gone forever. The banking industry hasn’t come up with any security procedure to protect your money. This is having enormous consequences for consumers. Businesses and nonprofits have suppliers. Crooks lurk in email to discover payment patterns, duplicate payment instructions via ACH or wire, and money is sent to them on a one-way trip. Know that you cannot trust wiring or ACH instructions that come by email. Call the party and verify instructions over the phone using a verified phone number. Follow this procedure every time, because there is no way to recover money stolen this way.
The New York Daily News reported on a family in San Antonia required by their HOA to pull down their Christmas décor because they put it up too early. Really! They decorated in November because the woman of the house is 8 months pregnant and wanted to get it done while she could. The couple told the HOA to sue them, they’re NOT taking down their decorations. HOA board members should anticipate being visited by 3 ghosts this Christmas Eve.
Clark has long recommended buying OTC meds at Dollar Tree for a buck. The same items at chain drug stores go for $7 or $8. But Dollar Tree has harmed their reputation. The FDA has issued a warning to Dollar Tree for having foreign manufactured drugs on their shelves found to be adulterated. This pertains to topical medications on their health aisle – not any type of pills or medicine you take orally. Dollar Tree says they’re cooperating with the FDA. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Trump administration has issued rules that has the medical industry in furious. New rules will require consumers have access upfront to costs for medical care and procedures. What other industry is so arrogant to think they could avoid price disclosure forever? They’ve hired lobbyist to spread money around to politicians, most pretending to be non-profits – all to hide their prices. Many consumers have suffered bankruptcy. Half of negative credit items are due to medical debt, while the industry works hard to keep costs secret, which leads to financial harm to people because it’s impossible to price shop. Hospitals will be required to show pricing per insurance provider and non-insured pricing. Consumers will be able to compare prices across all hospitals to make informed decisions on upcoming procedures.
Last holiday season’s Secret Sister social media scam has roared back the BBB warns. You get a solicitation about a Secret Santa gift exchange. If you send cash or gifts to people on a provided list, you’ll be showered with money and gifts 36 fold! This is a pyramid and just a con. You’re just sending money / gifts to scammers. If you see this on social or receive a text or email, ignore and delete.
Clark talks about the best current deals and also upcoming Black Friday deals with the Chief Deal Digger Charis from ClarkDeals.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Many fly only during the holiday period near the end of the year. Airlines gouge you on checking a bag, so many bring carry on bags. Airlines quickly run out of overhead bin space during boarding so – gate check - they seize and tag some of them at the gate. If you put everything important in your carry on, once it becomes a checked bag, airlines don’t cover anything of value. You are vulnerable to having things disappear with no compensation. If you do carry on, have a personal item that will fit under the seat in front of you, that will not be seized at the runway. That way you can keep your meds, jewelry, electronics and anything you valuable to you. If your bag is seized at the jetway, you only have to worry about losing clothing. If there’s a dishonest person, don’t tempt them with anything of value.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google’s Project Nightingale is a huge initiative by the second largest hospital system in the U.S. Some are hostile to Google doing this. But this is an important initiative. With the tech available today, it’s ridiculous we don’t have solid medical databases for continuity of care. Patients themselves don’t keep track. It’s important this succeeds and expands.
A woman at an exclusive country club in the tri-state has wine spilled on her $30K purse. She sues the country club, which in turn sues the waiter. Really? A $30K purse for starters, and the rest is Clarkrageous as well.
Clark shared his iBuyer selling experience this summer. The iBuyer market uses deep data to establish an accurate selling price and make an offer, allowing the seller to choose their departure time. No showings or traditional hassle. They may front the money for repairs and updates the seller agrees to, and get the money back at closing. They’re own staff gets the work done and the home is listed. A recent analysis of Zillow and Open Door found the prices being offered are actually too good. After expenses and sell prices, they’re not making money. Zillow agrees. It’s very important to get offers from multiple companies, which include Knock, Zillow, OfferPad, Opendoor and more in different areas. They have to have the right data to make an offer. IBuyers are working the great middle of the market, eschew both the high and low end. Clark’s experience turned out great. Research suggests this is a fair deal for home sellers, offering certainty, and eliminating hassle. Learn more about your ad choices. Visit megaphone.fm/adchoices
California passed a law that is having national impact. In the U.S. we lack any digital rights to privacy, while internet behemoths collect our data, compiling deep dossiers to sell off for marketing purposes. Due to the breakdown of political function in D.C., technology is moving faster than a do-nothing Congress. So California has emulated Europe’s privacy law, The Right to be Forgotten – which works magnificently there. Ironically, California has defied all it’s tech firms and passed a Right to be Forgotten law. Microsoft has announced they will follow, leading the way in the right direction. Other companies will hopefully follow the California standard in other states.
Take caution over the next 6 weeks when you receive notifications by text, social, email or popups promising free coupons, gift cards or vouchers – assume it’s a scam with nothing good coming next. Last year there were fake Walmart gift card solicitations. When people clicked the link viruses were unleashed. The Cincinnati Enquirer reports on a new one circulating all over the country claiming Costco is giving away $75 coupons. Costco cries SCAM! These are recurring hoaxes showing up as internet popups, websites and social posts.
100 million American adults don’t have Real ID yet. Without Real ID or a passport, you won’t be able to fly. 40% of Americans, 2 out of 5 are not compliant to fly. The full fare airlines – American, United and Delta are taking reservations past the deadline. Only American so far is alerting ticket buyers of the requirement. There should be an automatic popup when booking past the late summer deadline, warning people they will NOT be able to board without Real ID with an explanatory link. If you don’t have a star, call your DMV, make an appointment to have your identity verified. Learn more about your ad choices. Visit megaphone.fm/adchoices
Waffle House has been in the news lately!One recent late night, only 1 cook showed up for his Birmingham Waffle House shift. So the customers pitched in taking & serving orders and washing dishes. The customers ran the joint for no pay. Waffle House acknowledged the incident as gracefully as possible, suggesting the customers fill out applications. What’s it take to work there? Ironically, the day before that happened, the WSJ ran a story about how working at Waffle House is great training for corporate management. Waffle House managers do every job that needs doing so employees know they’re all in it together. An experienced Waffle House manager can make $115K per year. But it’s not for the faint of heart.
AT&T wireless customers in grandfathered plans are being moved to more expensive plans without being told. You don’t have to pay this. As AT&T struggles, you don’t have to suffer in the wallet. There are plans a lot cheaper with other players in the industry. Visible, T-Mobile and more – check the alternatives. Do not be a sitting duck for AT&T's financial problems.
Money is tight this Christmas season for most of us. Before you spend out of obligation, consider alternatives. Forget deals if money is really tight and consider what people cherish most, like experiences together. Bake for a loved one. Don’t spend yourself into debt that takes months to pay off. If there are young kids in the family, buy for them, but not for the adults. This season you’ll see deals online at sites including Amazon, eBay, Craig’s List, Facebook marketplaces - where some items may be counterfeit or recalled. When a deal looks too good to be true, be suspicious. If it's new inbox electronics listed for way less than elsewhere, there’s a chance the item is stolen. Use your common sense. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark comes from an immigrant family. All 4 of his grandparents were born overseas. From the time they became citizens, serving in the military became part of the Howard family culture. Clark’s had the privilege of speaking at 3 Veterans Day events over the last 3 days. All gratitude to the brave people who have served our nation. The all-volunteer military structure today means only a small portion of the American people serve and are called upon time and time again to redeploy. We ask so much of so few to serve so many. Most members of Congress have never served and are clueless about military service. We’ve lost an understanding of each other in the U.S. because of this schism. On this Veteran’s Day, Clark expresses his belief that it would be an enormous benefit to America if we had 2 years compulsory public service. Young adults would work for nonprofits, charities or serve in the military, to work for the common good of all. This gives us the shared purpose we need to get back. People have become tribally divisive in America. We need to return to the core principle of America – an incredible republic offering religious and democratic freedoms and economic opportunity. We have a phenomenal country. Take a moment this Veterans Day to think about the freedoms we enjoy, that our veterans have served to protect. Hating those we disagree with makes us weak, narrow-minded and diminishes our world status as a beacon of hope.
We’re approaching a year since Boeing 737 Max aircraft have been grounded after the 2 tragic crashes. A disturbing cultural problem at the root of Boeing emerges. Leaked information indicates Boeing is attempting legal maneuvers to reduce their financial risk and legal liability to the grieving families of those killed in Boeing crashes due to the company’s gross negligence. Boeing may have known as early as 2015 of design safety concerns, did nothing, covered up defective devices, and now they’re trying to shirk liability. When asked if he was aware of the liability avoidance, the Boeing CEO denied knowledge. Others dispute that. Either way, the CEO needs to go. This company seems to have no focus on safety.
We are right at 500 different series being produced in the U.S. That’s up from 80 in 2014. There’s never been a time in the history of video with so much compelling content. This has created a battle for market share. Disney is launching its new streaming service tomorrow. Apple is in early stages. Netflix remains the behemoth and Comcast is launching Peacock. AT&T is launching HBO products in addition to their traditional streaming service. See our guide, continually updated. We’ll see more change in this area in the next 2 – 3 yeas than has existed since TV began, around 1953. Fast forward to 500 series available on demand, and they’re subsidizing us, while losing money for various reasons. Amazon’s losing on Prime instant video. Google’s is losing on YouTube TV trying to become dominant. Hulu is offering both on demand and live streaming – Yes it gets confusing. Be wary of signing up for programming packages with AT&T. In financial trouble, they have a tendency to raise prices without notice. Learn more about your ad choices. Visit megaphone.fm/adchoices
A new study shows that the effects of screen time on small children could be physically changing their brains. The study which was published in JAMA reports a decline in "white matter integrity" of 3-5 year olds because of time spent using screens.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
The FIRE (Financial Independence Retire Early) movement was a hot topic last year. People set early retirement goals and modified lifestyle dramatically to make it happen. Now we can add the ROWE (Results Only Work Environment) movement, giving people the freedom to work when and where they want. Many employers can’t handle this. But if you do task oriented work with measurable results, this can be liberating. For example, radiology is performed around the clock, so practices can hire radiologists across the globe in different time zones. An Australian radiologist can be on duty there for overnight needs here. The downside: Out of sight out of mind. Off location workers can be thought of differently and are unlikely to be promoted. But depending on the job and the employer, this can be a win-win.
A follow-up on the discovery 5 years ago that AT&T was not honoring its claim of unlimited data. It took 5 full years for AT&T to be held to account for pennies on the dollar. AT&T has reached a deal with the FTC to pay restitution to the customers they lied to - a measly $60M for the 3.5 million affected. If you’re still with AT&T, you’ll get a mysterious credit on your bill one month. If you’re no longer a customer, they’ll send you a check. It’s real. It’s your money. But they shouldn’t have lied in the first place.
So many are weighed down by student loan debt. Many questions are coming in about refinancing – a confusing area. First, know what kind of loans you have, how many and what rates you’re paying on each loan. Knowing the difference between federal and private loans is key. If you refi a federal student loan into a private loan, you lose all the borrower protections built into federal loans. Rules: If you find a deal to refi private loans into a new fixed rate loan, that’s probably a food idea. With federal loans, only refi if you can reduce the interest rate by 2 points or more, and have a secure, solid income. Then it may be worth it to give up the borrower protections. See the briefing at Clark.com, which includes who is best to shop for student loan refinance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Roughly 20% of American adults have no credit file at all. There’s not enough data to establish credit risk. Around 25% of American adults have low credit scores. That’s 45% total. Lenders use different strategies to figure out who among them are worth taking a chance on. Data is more sophisticated today than traditional credit reporting. The Pedal Card uses proprietary criteria to issue credit cards to those with no/low credit. Last decade credit reporting and scores proved to be an inaccurate predictor of who would default or foreclose after the great recession. Many people with high scores defaulted on multiple debts at that difficult time. Experian is using a new score called “Lift” experimentally with a dozen lenders. The WSJ reports that Lift takes rent payments into account, and also – state issued professional licenses. More organizations are looking for different, non-traditional ways to decide who is credit worthy.
The college student entrepreneur who worked importing Krispy Kreme donuts from Iowa to Minnesota was the topic of yesterday’s Clark Rage because Krispy Kreme shut him down, siting liability concerns. It appears media coverage made a difference here, and young Jason has been allowed to resume as an independent operator, gifted 500 boxes by the company to help him in his new sanctioned role. Jason can continue to work his way through college, bringing donut happiness to Minnesota.
Recent reports point out how much we’re spending on subscription services. These charges hit automatically month after month, often with auto renewal. Until you get around to stopping them, the money keeps coming out of accounts. Subscriptions come in many forms. There’s even one for toothbrushes. Every 90 days with the change of season could be a marker to change your toothbrush. Clark despises subscriptions. Most of us forget what we’ve signed up for. When’s the last time you went to your gym your paying to be a member of? Video, razors, clothing all come via subscriptions now. Sit down with your statements and figure out what you’re being billed monthly for. If you’re not using the service, can it. When you call or try to cancel online, be sure to watch your next statement to make sure you’re truly canceled. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark recommends a minimum ownership cycle of 7 years for houses and 10 years for condos. There’s enormous expense involved in both buying and selling a home – 10% in and 10% out. In addition to expenses in and out, condo values are more unstable than home values. So owning for a decade is best for your wallet. Historically, 7 years has been the typical amount of time people stay in a home. But according to Redfin, the ownership cycle now averages 13 years. People are choosing to stay longer and there are less job transfers. The untold story: The longer you stay in a home, the more profitable that home becomes because you’re not paying in and out costs. If your neighborhood is in decline, that’s a good reason to move. But as people stay longer and improve their homes, neighborhoods generally become more stable.
Minnesota college student Jason Gonzales defrayed school costs by driving 2+ hours to the closest Krispy Kreme in Iowa, buying in bulk and bringing them back to Minnesota to resell. It’s not a crime to bootleg donuts. He received no bulk discount, and sold by the dozen in the original boxes. Jason made a markup importing and selling the donuts, not available in Minnesota. After a story was published about this young entrepreneur, Jason got shut down by Krispy Kreme because he was “creating a liability” for them. What about all the charities that buy in bulk and sell by the box? Better to appreciate Jason for keeping the love for Krispy Kreme alive in a place that doesn’t have them!
For the last 7 years, Clark has had the privilege of driving a Tesla. The model 3 is one of the best selling vehicles in the U.S. now. The car is like a rolling computer. Tesla is always connected to the internet through cellular and home Wi-Fi, and sends regular software updates. You simply download updates as they come. Via these updates, Clark has seen the self-driving capabilities steadily improve to now extraordinary performance levels. This has been the envy of the automobile industry. Ford is now adopting this update capability starting in 2020. The vehicle that comes off the assembly line will evolve with updates. This is a game changer all automakers will likely adopt. Learn more about your ad choices. Visit megaphone.fm/adchoices
ID theft criminals are entering post offices with fake IDs and doing address changes. The USPS gets 37 million address changes each year. An unwitting pawn in ID theft, they say working to prevent false address changes, but determined criminals can get this done. If your mails suddenly stops coming, it’s 5 alarm fire drill time for your finances. Immediately freeze your credit with Equifax, Transunion and Experian. That prevents the crooks from applying from new credit as if they’re you. Meanwhile they get your existing account statements and can engage in account takeover fraud, and buy things as if they’re you. Watch account activity closely. Think through which bills you should be receiving and contact creditors. Go to the post office and make corrections. The faster you do this, the more you limit potential damage.
The FDA had information months ago concerning an E.coli outbreak in romaine lettuce that sickened people in a dozen states in July, August and September. The FDA kept this secret to protect farmers, because when this happened prior and the info was published, it devastated the farmers. The FDA and CDC were finally able to verify the source in October but still did not disclose until now for unknown reasons. This is NOT OK. We need to have confidence in the watchdogs for our nation’s food supply. Recently there’s been another outbreak of salmonella in 6 states involving ground beef that HAS been announced. We need confidence in our food supply and know there will be quick action when issues arise.
At an Airbnb CA property last week, 5 were killed and several injured in a shooting at a Halloween party. Airbnb has been under a cloud concerning party house rentals. Individuals will troll listings, rent a house for 1 or 2 nights, and advertise a party on social media with paid entry. Party house rackets have been a problem in many cities, with Airbnb noncommittal on the subject. But now that fatalities have occurred, Airbnb says they will ban party houses. How we don’t know. Airbnb is going through an awkward adolescence, having trouble handling its growth. Vice.com discovered crooked landlords, listing places on Airbnb that are either non-existent or owned by someone else. On arrival day the hapless renter gets notified of some terrible problem and is diverted to what’s in fact the real, far inferior rental to the bogus one advertised. This is happening in cities around the country. Airbnb does not stand behind the renters getting scammed this way. Airbnb needs to protect its platform. If people cannot trust that they’ll be treated honestly, the platform will lose validity in the marketplace. Operators need to beef up their investigative force and customer service operations to deal with problems as they happen and to weed out the crooks. 5 people are dead. Airbnb offers potentially great environments, they’ve got to make it work better. If you’re a renter, be cautious and read reviews thoroughly. Learn more about your ad choices. Visit megaphone.fm/adchoices
ClarkDeals has created a new poll that reveals some of the Holiday consumer shopping trends. Clark discusses the findings and how you should approach Holiday shopping in order to save the most money.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the best places to open an HSA. Some providers do a better job for people attempting to save money in their HSA while other providers do a better job helping people invest well inside of their HSA. Two of the best overall providers are Fidelity and Lively.
A new TX law allows sky high fees inside of teacher 403b plans. This is Clarkrageous and will have a major impact on the overall amount that teachers will have saved in retirement.
Most people taking out student loans will be paying on them for close to 20 years. Clark has recommendations for paying off your student loans more quickly and how to avoid student loan regret. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the fed rate cut and how the economy is slowing.
Online installment loans are rising to prominence. The interest rates are almost as high as payday loans. You should never sign up for an installment loan when attempting to purchase something online.
Amazon has stopped charging grocery delivery fees for Amazon Prime members. Clark discusses the details and what this means for Amazon competitors also prioritizing home grocery delivery. Learn more about your ad choices. Visit megaphone.fm/adchoices
Open enrollment is near for corporate workers and individuals on the federal exchange. Employers are facing major cost pressures providing healthcare for workers. Strategies to reduce costs include sending workers to seek out of state care, and in rare cases care outside the U.S. This is a result of the hospital system chokeholds in most metros. Employers may waive your deductible if you go out of market for specific care. Read your open enrollment kit carefully. Look closely at deductibles. You may be better off with a lower premium with higher out of pocket, depending on your situation. For individuals buying coverage, you’ll see more plans offered and insurers returning to exchanges in metro areas. This year, be aware there are fake sites. Healthcare.gov offers compliant plans with no limits and coverage for preexisting conditions.
The Washington Post reports on how some employers are using an AI algorithm that scans faces during video interviews. Expressions, eye contact and enthusiasm is all analyzed, responses dissected – to help employers eliminate candidates. Applicants are not told their score on this algorithm. College career counseling centers now need to coach new grads on how to deal with this capability, called HireVue. The reality is almost all jobs are found via informal connections. Going through company AI with face scanning is garbage. Who you know is core and key to getting an opportunity with most companies.
Real estate access to information for buyers and sellers is the best it’s ever been. Zillow, Trulia and others provide instant info on homes for sale. Pre-internet house hunting, Clark recommended the hundred home rule – See at least 20 out of 100 home selections. Today you can get a sense of real estate anywhere almost immediately, making the industry more transparent. But the transaction process is slower to change. Having an agent at a fixed commission of around 6% is now getting pushback and alternatives are emerging. Sellers can hire an a la carte agency or pay hourly fees. Many business models are coming alive. What has not changed: When doing a FSBO, protect the agent that brings you a buyer with 2-3% commission. In addition to using all the new tools, Clark remains old school in the belief that for most, having an experienced real estate agent is still the best way. Many transactions fall apart due to emotional issues. That’s when an agent can be key in getting a deal done. In this regard, real estate has changed less than many other industries, with the new advantage of abundant information and transparency – fantastic for buyers and sellers.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Affordable housing is in short supply in the U.S. these days. It hasn’t been this difficult to acquire affordable housing since 1948. Restrictive zoning – a NIMBY problem, has made it difficult to impossible for builders. But zoning changes are making affordable housing more possible. A few months ago metro Minneapolis passed such zoning changes. Now Oregon has passed a law to phase in by 2021 to allow second structures and garage apartments. Many young adults under 40 have been shut out of the housing market. New methods of construction make it more cost effective to build affordable housing. The irony is that the hotel business is at the forefront of using these methods. The U.S. should become experimental and look at technologies including 3-D printing to fill the shortage in affordable housing.
State and local law enforcement, firefighters and EMTs are honored today. Announced today and available Nov. 1st – T-Mobile’s half price Magenta plan for first responders. This works like T-Mobile’s Magenta Military Plan - $10 a month per person after the first 2, and new phones for half price. AT&T and Verizon usually respond in kind with such deals.
A Priceline survey says more than half of all U.S. workers with a paid vacation benefit don’t take it! One third do not use up half their vacation allotment. That’s loco. If there’s unspoken pressure at work, that’s an idiot employer. Your performance deteriorates and loyalty diminishes when work is an endless treadmill. Taking time and getting away to clear your head is extremely valuable. Take your time off and cherish being with family/friends and experiencing other things. You come back better at what you do. None of us are indispensable. Please take your time off. Learn more about your ad choices. Visit megaphone.fm/adchoices
More people would be willing to create a will if the process was easier. So states across the country are changing laws to allow people to create their will completely online.
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Two US Senators have introduced legislation to get rid of non-compete clauses in almost all cases. This is GREAT news because these non-compete clauses are terrible for individual earnings an the overall economy. Moviepass has gone out of business after disappointing millions of customers. But Moviepass is STILL charging money to their former customers. This is truly Clarkrageous. Drone delivery is coming. And actually, it's here. Google Wing is actually delivering some packages in a test market. Drone deliveries are one areas of tech we should continue to watch because it is going to change the way we receive packages and could end up saving companies and consumers money in the future. Learn more about your ad choices. Visit megaphone.fm/adchoices
California has passed legislation to delay school start times. This is great for kids!
Apple's parental controls for Screen Time have been easily bypassed by kids. Parents need to take more proactive approaches towards limiting technology use by their children.
Hackers are stealing personal information while you are purchasing things online. Clark tells you what you need to know and how to protect yourself. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart is launching new healthcare centers around the nation. And up-front pricing is making things more transparent. You can get urgent care, x-rays, counseling, dental, and optical services at these new and innovative health centers. Equifax has responded to a recent inquiry from the Clark Howard Show. They don't require your PIN number in order to freeze or thaw your credit. This puts you at risk. This is not ok and it needs to change. The Boeing Max is still being investigated. The software for the planes is being updated in order to attempt to get safe planes into the air. Clark is not happy that no-one has gone to jail over this and that the CEO has not, at minimum, lost his job. Learn more about your ad choices. Visit megaphone.fm/adchoices
Americans are doing record time on the roads in traffic crawling to work. As many metros have developed by sprawl, public transit is not the answer. Solutions require behavior changes, including from employers. To increase employee happiness and retention, they need to flex on how and when you work. Allow employees to work from home at least 1 day a week. Depending on the job, work from home can be done most or all of the time. Often productivity is higher at home. Flex schedules are helpful for workers too, allowing workers to shift their hours to avoid heavy traffic. In congested cities, some are turning to electric-assist bikes, as cheap as $500, for bike lane commutes under 10 miles. Full commission stock brokers are often tied to giant monster mega-banks. Wells Fargo, BOA's Merrill Lynch, Morgan Stanley and UBS are the big 4. A recent study by Cerulli Associates found that these 4 overwhelmingly put their investors into high cost mutual funds. They are not bound by the fiduciary standard. Go to an independent fee-only financial advisor or a low-cost mutual fund company instead. When you allow an authorized user on your credit card, you're creating potential hardship for yourself. The user has no responsibility for the debt they rack up. Don't make these decisions lightly. We hear the consequences when things goes wrong. Learn more about your ad choices. Visit megaphone.fm/adchoices
The BBB has issued a new scam warning. Historically, scams have most often come via phone. Now, the most common point of scam contact is on social media. The most common way people have money stolen from them is on social media. The second most common scam point of contact: websites, like Craigslist or eBay. People are more than 5 times more likely to get taken on social media than with a con artist on the phone - 4 times more likely on social vs. through the mail. Beware. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
The U.S. has lagged behind in 'conversational commerce' enjoyed elsewhere in the world, where texting meets commerce for AI customer service. We spend most of our online time now throughout smartphones. Unlike other countries, the U.S. lacks centralized portals from which to operate in multiple ways, including shops, email, social and news. Now Apple is working to set up and integrated hub to drive the brand. For example, through the Apple platform - Apple Business Chat - and Delta's app, iPhone users have ease of communication for assistance from the airline. Emulating China's WeChat, Apple platform AI will allow better customer service response. Innovation like this can have very positive, unforeseen benefits for consumers. Facebook tried this kind of commercial integration, but a loss of trust is an obstacle there. The first best thing we'll see is perhaps the end of on-hold in-limbo no-customer service. A ProPublica investigative report finds the health data of millions of Americans is completely exposed on the internet. They were able to find medical data on more than 16 million people online, including names, birthdays and where submitted, social security numbers. Security in the medical industry is pathetic. DO NOT FILL IN YOUR SOCIAL SECURITY NUMBER at ANY medical facility. A recent Wallethub study weighed 31 happiness factors to rate U.S. states. Above an income level of around $70, money ceases to be a happiness factor. Factors include work environment, emotional and physical well-being. Hawaii comes out tops overall, followed by UT, MN, CA, NJ, ID, MASS, MD, NB, CT. Unhappiest: WVA, ARK, Alaska, MISS, LA, KY, AL, OK, TN, MO. Learn more about your ad choices. Visit megaphone.fm/adchoices
Of the 4 major cell carriers, Verizon, AT&T, T-Mobile & Sprint - all the growth over the past 4 years has gone to T-Mobile, steadily taking market share. But all 4 also have captive discount brands on their networks, at a lower cost. The price points have kept moving. Total Wireless is a joint venture on Verizon's network, The 4-line family plan shares 100 gigs of data per month, starts at $100 a month, and it is available for $95 with auto-refill.. Available at Walmart and TotalWireless.com. Verizon's second discount brand, Visible is geared toward young adults, offering a single line at $40 a month - unlimited data - available only through Visible.com via their app. Metro PCS - now Metro by T-Mobile has gone up from 4 lines for $100 to $120 per month, including Amazon Prime and hotspot. Cricket Wireless - AT&T's captive brand - offers 4 lines for $100 a month with speed limitations, but adequate for most basic surfing and video. Starting in January, people with 401ks will have a much broader hardship latitude to make withdrawals under new regulations issued by the IRS. Clark HATES this. It's very difficult to ever restore retirement money taken out of a 401k. Statistically, those who take out loans end up with way less than those who never do. Just because you can, doesn't mean you should. Just say NO! Consider the money off-limits. Young adults now face more difficult money choices than prior generations. Over a full lifetime, 3/4 of kids end up more successful financially than their parents. That's a slowdown from 90% historically. There's a lot of uncertainty today and new challenges for young adults. Student loans are brutal for students and parents alike. Many in retirement are still burdened by parental loans. There are so many college choices, this can be avoided with planning and attending less expensive schools. Clark's tuition per year was $2400 in the '70s. Heavier burdens today require new decision making. Buying a home involves geographic considerations for affordability. Pensions no longer exist. Young adults are choosing no-car lifestyles in walkable communities. No car expense makes for a lot more financial breathing room. Learn more about your ad choices. Visit megaphone.fm/adchoices
There are now more people working in wind / solar energy in the U.S. than in coal mining, which has become an industry in retreat. It's now cheaper to generate power from wind or solar, depending on geography. The new energy outlook from Bloomberg reports that wind is THE cheapest way to generate power in the U.S. In 2/3 of the world, solar and wind are more economical than even natural gas. Power companies are fighting in state legislatures and with utility, regulators to prevent consumers from a cost-effective home solar option. They see the threat and want to own solar to continue to supply power. Regardless, the mix of power is changing and costs will be coming down. Traditionalists claim wind and solar are intermittent and therefore unreliable sources of power. But battery backup provides the solution there, and these batteries are also getting steadily cheaper, along with solar panels. Better and cheaper in a continuing cycle brings these technologies to bear. The benefit flows back to consumers. More states are passing laws infringing on First Amendment rights for food producers to name their food. Missouri cattlemen are threatened by plant-based meat substitutes. Other states have joined in passing label restrictions. They should not be permitted to interfere in the free market flow of information. The clarity for consumers, not confusion - should be the priority. Edmunds reveals that the average loan amount to buy a new vehicle is $32,590. AAA reports is costs $774 per month to operate a new vehicle: Depreciation, the loan, insurance, fuel & maintenance. Many would-be new buyers are opting for used for more affordability. Meanwhile, the average length of a vehicle loan is just under 70 months, almost 6 years, putting the buyer upside down for the duration. Many will tire of a vehicle before paying it off and create a negative mountain of debt by trading in before the loan is paid. The trade-in loan is rolled into the purchase, leaving the buyer even MORE upside down. STOP! 10K a year just for transportation calls for a rethink. Is your old car working fine? Do you REALLY need a new vehicle? 4-year-old vehicles are the sweet spot in the market now. AAA reports electric vehicles to cost half of what gas engines cost per mile to operate. Within 2 years the compelling price argument for buying electric will be overwhelming. Learn more about your ad choices. Visit megaphone.fm/adchoices
There’s increased interest in protecting privacy. We forget how things we say aren’t private in this electronic era. Text messages aren’t really private. But there are things you can do to protect privacy. When both parties use an encrypted third-party texting app – only the recipients get your text. WhatsApp, owned by Facebook – is a secure texting app so far, used by ¼ of the world’s population. For business and other proprietary transactions and for consumers, Signal is used for privacy protection as well. ProtonMail is great for protecting email communications. For Apple users, iOS 13 is coming with a variety of privacy improvements. Tech writers are recommending waiting a few weeks before download, as they’re still working out some bugs. Apple’s iOS 13 will provide auto burner-email addresses when you sign up with a company to prevent email spam. This allows you to hide your real email address. Con artist Andres Fernandez has been convicted for wire fraud, after stealing $31M claiming he had an opportunity to produce and promote concerts. There were no concerts. This Ponzi type scheme has been around for a century, but there’s been a great acceleration recently. Be very skeptical when you’re promised a private opportunity to score big money. Police officers, fire fighters, teachers and other state and local government workers get ripped off on their retirement savings. It’s common that 403b and 457 plans these workers are shunted into, cost 100 times the cost of a corporate 401k plan. Inexcusable that those working for the public good are taken advantage of in their retirement plans. There’s no excuse for this. Federal workers enjoy the TSP, costing about 1/50th of what state and local gov workers pay. Thank Congress for not caring about workers who earn less by serving the public. FINALLY – the SEC has launched an investigation of the insurance companies that rip people off in these plans. For affected workers, instead of putting your money into these plans, fully fund a Roth IRA with an ultra-low-cost company. Only contribute to a 403b or 457 plan proven to be low cost, only up to the match. Past that, open a low-cost Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices
The FCC doesn't want states to be able to implement their own rules surrounding net neutrality. Clark explains what this court battle means for consumers and the future of our TV and internet usage. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
New tariffs will protect Boeing and hurt Airbus. The new tariffs could also mean higher prices on food and drink. AdvoCare has been fined $150 million for running a multi-level marketing scheme. The FTC has called it a pyramid scheme which means that AdvoCare pressures sellers to bring in new distributors. The emphasis is less on selling products and more on recruiting new people. Don't sign up for an MLM. 99% of people lose money. Clark discusses how to protect yourself if your luggage winds up missing or damaged while traveling. Stick up for yourself and push for a solution! Learn more about your ad choices. Visit megaphone.fm/adchoices
We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay. Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get. The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop up every season, most around PCH - a legit, high-interest organization and popular target for scammers. The Fraud Watch Bulletin reports 2 versions big right now. One comes as a phone call pretending to be from PCH saying you've won and need to wire fee money. The other is a small fake check, requesting you wire money to receive the big check. Both bogus. PCH reminds all they never ask winners to send fees, taxes or other money to collect a prize. Pre-teens and teens pretty much spend whatever money they get. For school-age kids, money burns a hole in their pocket and vanishes. The American Institute of CPAs does an annual survey of allowance and finds the average kid in the U.S. now receives a weekly allowance of $30. That's doubled in just 3 years. Parents have lost their minds. Clark has recommended stepping up allowance yearly. The amount can match their age or grade and should be used to teach. The 3 jar system is a known method. Allowance is divided 3 ways: for spending, savings, and charity. Allowance should be in cash to teach the finiteness of money. And with an allowance comes responsibility. Parents give the money and should set ground rules about allocation - 3 jars or something similar. The savings can be for any specific goal chosen by the kid. Create a sense of purpose for money. If you just hand it out with no guidelines, they learn nothing and it disappears. Parents must teach the concept of spend and save. Giving can be time or $ for charity. Learn more about your ad choices. Visit megaphone.fm/adchoices
Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too. AT&T – get your act together. A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid. Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a football game together. As their pictures circulated, ugly reaction ensued, with some referring to Bush as the ‘enemy’. After all the mean-spirited postings came an enlightened one which expressed that seeing Ellen and George Bush together restored their faith in America. When we lose sight of the fact that we’re all Americans in this together, we make our country weak. People we disagree with are still our fellow Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
Current privacy concerns have Google in the spotlight. Google lives in fear the U.S. will finally pass privacy laws outlining restrictions and consumer rights, as exists in Europe. The Right to be Forgotten and to control online info in Europe puts them way ahead of the U.S. in the privacy realm. Google’s preemptive strike is a newly launched activity suite tool allowing users to better control their info and have their tracking data wiped automatically. Sign into Google. Type in myactivitiy.google.com. There you’ll see everything Google has on you – massive. Then you have the right to have them wipe out everything 90 days old and older. You can choose 90 days to 1.5 years to let Google retain your activity info until they delete it. The Inspector General is like the cop inside a federal agency there to expose wrongdoing and enforce the law. The VA Office of Inspector General found that 1 in 3 veterans who’ve sought emergency healthcare, are denied their medical claims by the VA, even when perfectly legitimate. Inexcusable and Unacceptable. The men and women who have served and put their lives on the line for American freedom deserve to have the promises made to them carried out. The average ATM charge in the U.S. is now $4.72. The cost to a bank is around .02cents. Beyond outrageous. Why do they do it? In the aftermath of the last decade’s banking scandals, the federal government bailed out the big banks and let small banks sit and spin. This led to a massive closure of smaller banks, and thus less competition. 4 big banks now have half of all banking market share. ATMs are disappearing around the country as people use less cash these days. Also, we now have an ever-expanding roster of online banks, offering lower costs and far better savings rates. The big banks pay essentially 0 on savings vs around 2% offered by online banks. And – credit unions have filled the void left by small local banks going away. Credit Unions provide much better deals than banks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Roughly half of us have no access to a retirement plan through work. Most small employers don’t know how to make this happen. If they go to an insurance company or bank, they face extremely high costs and employees pay the price, making the plan essentially a rip-off. So many just give up. A new federal rule just went into effect allowing small employers to team up to create group buying power for lower costs. These can happen through Chambers of Commerce and industry trade groups. We’re about a year away from this taking hold. But don’t wait. There are companies offering 401k plans for small businesses. Betterment has one at a reasonable cost. Employees – if your small-midsize employer does offer a 401k – understand the fees. If it’s a high fee plan, contribute only up to the match, open your own Roth IRA with a low-cost company and make your contributions automatic. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
NEVER NEVER NOT EVER publish your birthdate and place of birth online or on social media. Why? That's 98% of what a crook needs to steal your identity. Also, when you get the 'magic formula' investing pitch - know to RUN. No-one legit can promise great results using their strategy - red light / green light investing systems - NO. Don't ever believe it. DO NOT answer your phone if you don't know who is calling. If caller ID says your bank or a government agency is calling, don't answer. Nothing good comes from it. New hires are being no-shows on day one and don't think it's important to let the employer know. Clark's eldest daughter did new employee orientation at a bank. Every week, new hires would be no-shows without notification. Some of these jobs were executive level. There are multiple reports of this happening in the retail and restaurant industries. Job markets are not always strong. It doesn't serve you to blow off a job offer. Have the decency to send a thank you note, to communicate, to be respectful, to notify. Roughly 1 in 3 folks are renters as the market is shifting throughout the country. Apartment overbuilding has resulted in more deals for tenants. Marketwatch reports that - desperate to sell condos or rent apartments, landlords are marketing properties that can be turned into Airbnb rentals. This is different than resort-type condotels - owned hotel rooms that are rented out most of the year. A condo buyer could find themselves surrounded by short-term renters via the developer. This is the opposite of the HOA vs Airbnb conflicts. There's a lot of shakeout with short term rentals - an area of constant change around the country. Condo buyers and apartment renters be aware of the policies. Know in writing condo/apartment policies or you could find yourself surrounded by transients. Learn more about your ad choices. Visit megaphone.fm/adchoices
We borrow principally for a home, vehicle, credit cards, student loans. A long-held frustration is how scoring models punish you for eliminating debt. Paying off a loan (other than credit cards) could drop your score 50 points. Don't worry about it. If your score is healthy enough, the payoff score pinch does not matter. You DO NOT raise your credit score by leaving a balance open on a credit card. That's a myth you pay interest on. With cards, using very little of your credit and paying on time boosts your score. The Securities and Exchange Commission ( the Federal agency overseeing the investment industry) reports that in recent years, 4.3 million Americans have been ripped off in investment schemes. The average loss: $150K. Historically the cons target small business owners, entrepreneurs, and senior citizens. The promise of non-traditional investments have of late touted 8-12% returns - which may appear initially, till the scheme collapses leaving its victims broke. Many times people dump their old car because it's no longer reliable. That's a good reason. But when it comes to the dollars and cents of this, Clark and Consumer Reports differ. Consumer Reports advises that when the cost of repair exceeds the remaining value, that's when it's time to let go. Clark recommends when the cost of a repair exceeds 50% of the remaining value - that's when to dump it. Ironically, you may need to pay for the repair anyway in order to trade/sell it. Otherwise, you get clobbered on value. Most people tire of and dump a vehicle prematurely and that is expensive. The longer you keep a car, the better for your wallet. The depreciation curve is a dive through the first 4 years, into gentle decline, as your money works for you. As the vehicle fleet steadily moves to electrics, they're more reliable. Today batteries are much more efficient. The cost of ownership on electrics is much less than gas engine cars. The best deal: Buy a used electric car and drive it for a long time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Southwest is having a sweet sale right now! An all-out price war to zero is underway with small company Interactive Brokers and giant Charles Schwab. Both are ending commissions on stock trades. Buying and selling stocks and ETFs will be commission-free. This will penetrate the investing world, with discounters also going to zero. This started earlier this year with Fidelity Zero, offering free mutual funds – no account minimums required. The ability to invest at zero cost is taking hold in the marketplace. Fidelity and Schwab are both trying to deal with the Vanguard juggernaut. Co-op Vanguard, operating as a credit union for investing, has taken investing market share gains for the last 7 years. As these behemoths compete, investors win, regardless of which one you choose. Meanwhile, those still investing with banks, full commission stockbrokers or insurance companies pay massive fees. Invest for free, to keep your money working for you. There’s a common rip off for credit card users traveling overseas. Often upon card payment, the processing machine will automatically convert your charge from the local currency to U.S. dollars. This is done to rip you off on the conversion rate. When overseas, NEVER EVER EVER say yes when asked if you want to pay in U.S. dollars. Be aware many Visa / MC banks are automatically putting the purchase in dollars, and you need to override that into local currency. The difference could be as much as 10%. Watch closely while purchasing. Before you sign any charge slip, make sure it’s NOT processed in dollars. You always want the charge in local currency. Today many cards don’t charge foreign currency junk fees. AMX doesn’t do this. See Clark’s guide to save while traveling. Survey says, of people age 38 and under, over 90% would consider eloping over a traditional wedding. The reasons: to save money, avoid wedding planning and make the event more personal. Destination weddings are expensive and limit the number who can be there. Helzberg Diamonds offers a wedding service with ring purchase. No hoopla. People used to go to Vegas for a simple, quick and cheap wedding. Now, just go to the mall to Helzberg. 1700 Helzberg employees are ordained / licensed to conduct marriage ceremonies. If you’re planning a post wedding party, don’t mention the word ‘wedding’ to any vendors involved or the cost can triple. Learn more about your ad choices. Visit megaphone.fm/adchoices
Over the last week, there have been several stories published about why you should stop using a debit card. When you present your card in person, the merchant is protected. But when you shop online the liability moves from the banks to the merchant. The MRC reports that now over 8 in 10 cards have been compromised. If you carry 5 cards, crooks have the goods on 4 and may get around to using them. That exposure includes debit cards, enabling the criminal to strip the funds out of your checking account, leaving you to fight with your bank to get that money back, which is becoming increasingly more difficult. A special warning for small to midsize businesses. Recent press recounts a bust-out by a payroll company. Once this company had a healthy roster of clients, they vanished in the night stealing $35M. A crooked company could destroy your business and/or employees. Ask: How are payrolls protected? What insurance do you have? How do I know I can trust you? Ask these questions before you choose a company that may leave you, your company and workers high and dry. Renting apartments and hotels has not been a bargain in recent years. Apartment rates have been going up since 2011. Hotel rates have risen since 2012. Both sectors have been building like crazy. There's an enormous stream of apartments coming online leading to oversupply and better deals. The hotel sector has been overbuilt at a frenzied pace, even as business travel is slowing. Learn more about your ad choices. Visit megaphone.fm/adchoices
By most estimates, 40% of the food in the U.S. is tossed – from expiration, restaurants, grocers. Some supermarkets route expiring food to food banks, but only a fraction. Some bagel shops sell them at 75% the next day. Some convenience stores sell off pastries at discounts to clear them out. U.S. restaurants have always served larger portions than elsewhere in the world. Our supersize mentality results in leftovers, which often get wasted. Some restaurants give you 2 price points to include a smaller portion. There are simple things we can do to reduce waste. Supermarkets should have an automatic strategy to mark down items at expiration. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
A gaming war is underway between Apple and Google. Both are offering subscriptions. For a monthly fee you get a number of games with no in-game purchases or ads. Apple Arcade is $5 a month, Google PlayPass is $1.99 a month for the first year, and then to $5 reportedly. Check out both. There's a new tax form that makes it easier for senior citizens to file their taxes. Clark’s been talking about interest rates dropping The best rates now are around 2.4% - .5 lower than a couple of months ago. In parts of Europe, savers PAY to save – with negative interest rates. Trump recently suggested the Fed should cut rates to negative levels. But this can lead to extreme economic problems. When the economy slows the demand for borrowing slows. Savings institutions don’t want deposits and cut rates as a deterrent. If they have fewer borrowers, they don’t need the deposits and cut rates on savings. Things would have to get much worse for this to kick in here. It likely won’t come to negative interest rates. But since rates are headed lower, if you have savings you don’t need, lock in the rate in a one year CD. Traditional banks already pay nearly nothing. Don’t save there. Learn more about your ad choices. Visit megaphone.fm/adchoices
We’re nearing open enrollment. If your employer offers the option of a lower payroll deduction for a high deductible health plan or higher pay deduction for a lower deductible plan – It’s usually best to pay the higher premium, especially if you have health issues. Due to backlash, more employers will offer the option to pay more for a lower out-of-pocket. High deductible plans can be HSA eligible – a tax-advantaged account for medical expenses. Many employees don’t fund their HSA – which allow medical payments with pre-taxed dollars. Then they’re hit with bills they must pay with after-tax dollars. Fund an HSA – it amounts to a 20 to 37% discount on medical bills – depending on your tax rate. It’s important to have disability insurance. You have a 3 times greater chance of becoming disabled than dying during your core working years. Social Security disability is an arduous, lengthy process and is often denied. Take what your employer provides for free and beyond that, buy your own policy. Airline junk fees amount to $35B per year – this is true will all airline except Southwest. American, United and Delta advertise low fares, and the sell you up to fares way higher with all kinds of fees. United alone charges a huge fee for carry on now, taking that cue from the hard discounters. Before you buy, know what all the fees are and what you can handle. Clark and Deals Producer Charis talk about a recent Clarkdeals.com survey and the best deals around the web today Learn more about your ad choices. Visit megaphone.fm/adchoices
Your phone may power up, but if your service is dead, that could be SIM hacking. Crooks have penetrated operations of the big 4 cell provider to hijack service. Because of the Equifax data breach, criminals know who has money, target individuals and steal their phone service via phone to usurp 2-factor authentication text codes so they can penetrate financial accounts. The go in a setup wire instructions to send money overseas where it can’t be reclaimed. While financial companies investigate, you’re broke. Get the anti-fraud guarantees and / or written fraud policy info from your financial institutions. Verizon, T-Mobile, Sprint and AT&T have been scrambling to come up with new preventive procedures. Two carriers have gone to no porting meaning you put in place a standing order not to port your number from that carrier. This is another layer to protect your identity, and existing accounts, whereas credit freeze helps prevent fraudulent new accounts. There’s is a fake grass-roots organization called Free and Fair Market Initiative. The WSJ reports this outfit is principally backed by the Simon Property Group – the big owner of malls around the country, suffering from Amazon taking 6% of retail market share. In addition to Simon, they’re funded by Walmart and Oracle (a web service competitor). There are plenty of reasons to talk about a company legitimately without sullying their reputation falsely because you’re afraid of the competition. Shame on Simon Malls, Walmart and others, funding an effort to slam Amazon. Two years ago there was a scandal involving Vizio TVs spying on viewers – collecting and selling data to aggregators for ad servers. Piercing people’s privacy, Vizio figured out how to monetize viewing. Update: That problem has gotten worse. The average Americans spends 3.5 hours a day in front of a TV. Since Vizio faced minimal consequences, now other TV makers are up to the same thing including Samsung, TCL and LG. These makers account for most of the TVs sold in the US. Princeton came up with software to track how this is done. Data houses link up what you watch with your phone, computer and even purchase activities. Laws designed to protect us are not being enforced. DC’s emersion in senseless partisan battles creates a vacuum that allows for enormous violations of our privacy. Europe’s Right to Be Forgotten gives citizens there the right to shut down data harvesting. When our Congress begins to actually serve the people, we need to have privacy laws in place and enforced that clearly provide protections to the American people.
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This summer came reports that cell phone carriers have been tracking and selling consumer location info. Lawsuits have been filed against AT&T for this practice, selling to 2 partners without consumers’ knowledge. But AT&T is hiding behind the arbitration clause buried inside consumer contracts, even though they’ve engaged in illegal activity. Clark is diametrically opposed to mandatory arbitration. If both parties are for it, fine. But ALL – 100% of arbitration forums between a business and consumer or employee are rigged in the company’s favor. The U.S. House just last Friday approved a bill outlawing mandatory arbitration – which is fantastic. The Senate remains a question mark. We live in a society where the deck is stacked with unfair rules against consumers and employees. The bigs have too much power and use it to our detriment. Kangaroo court arbitration is a manifestation of that. Hopefully, the Senate will follow the House lead. AT&T broke the law and it’s reprehensible they hide behind arbitration. Arstechnica reports the hack of city & state government payment portals, compromising people’s credit cards in all 50 states. If you use such a government portal – do NOT use a debit or enter your checking account info. If you pay on a gov portal, use a credit card. Credit cards have protections debits do not. Yahoo mail had a massive data breach and settlement info is now coming out for those with Yahoo email between 2013-2016. Watch for your class action notice and make a claim if this affects you. This data is based on the scarcity of buyers post Labor Day, while the number of homes available isn’t much less than the peak season from March to May. In many areas, an agent listing agreement runs for 6 months. Clark sees a more important bargain window November thru mid-January. That 11 week period is potentially the ultimate bargain week for buyers. It’s true there are fewer properties listed for that time period. They may be listed for many reasons – estate sales, job transfers, divorce – people problem sales, which put the seller in a weakened position, outside normal cycles. During the holidays, the number of people looking to buy drops dramatically. But there are still wounded duck properties on the market. Clark believes the greatest opportunity to get a deal is late fall through early winter. That’s when a buyer looking for a bargain will find it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Deleting financial emails has become standard consumer behavior, due to so much spam. This has become a frustration for the financial services industry. Their legit emails aren’t getting through. So a new industry standard has been developed for a verified certificate for real financial emails. Many organizations including Google worked on this tool, which validates that a logo is authentic. It’s a digital symbol you’ll see but you must know to look for it. The validation process, in theory, is designed to prevent scamsters from coming up with their own fake mark. We’ll see over time if the verified mark is effective. Be aware of this initiative. Still true advice: Do not click a link or call a number in any email. Go outside the email to verify the email or web address or phone number of a business you’re attempting to contact. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
With new partner Capital One, Walmart is offering a store credit card or a co-branded Walmart Mastercard. With the use of their app tied in with a Capital One credit card, you get 5% off purchases in-store for a year, 2% after that. Walmart.com purchases with their card maintain the 5% discount after the first year. As the 3 titans of retail – Amazon, Walmart and Target continue to slug it out (Costco in a class by themselves) – consumers benefit. Loyalty discount cards are the game plan. In a world of bad news, know you’re surrounded mostly by good people. American Psychologist published a study about bystanders confronted with fellow humans in trouble. The common belief is that most people do nothing to help out strangers. Now there are security cameras in metros all over the world, giving an opportunity for researchers to observe human behavior. In danger situations in 3 different cities, bystanders intervened to calm, protect and stop conflicts 91% of the time. The more bystanders there are when trouble starts, the greater the change some will step in to help – safety in numbers. Often when called upon, humans wish to do the right thing. Knowing why auto insurance rates go up, helps you keep them down. Here's what you need to know: 1. In almost all states insurers can set premiums based on your credit score. 2. The Consumer Federation of American has found that your zip code is a factor. 3. Do not purchase roadside assistance from your auto insurer. They count this as a claim as an excuse to jack your rate. They even put it on your CLUE report to hose you with any other insurer. State insurance regulators should prohibit this practice of cheating customers. Don’t have this benefit unless you get it writing that roadside assistance will NOT constitute a claim. 4. Many states allow using divorce to raise rates, kicking you while your down. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Federal Reserve lowers interest rates again to reduce the severity of economic slowdown and to help prevent a recession. The Fed is acting defensively. This will lower interest rates for car buyers and on credit cards. HELOCS historically follow, but many banks put a floor in recent contracts. Re-shop to get a lower rate if need be. Saver rates decline as well. Online bank savings rates have already dropped about 1/3 of 1 point. The smart move now is to lock in money you won’t need into a 1 year CD to earn more. Oddly, when the Reserve lowers their rates, mortgage rates often rise to compensate for inflation long term. But if the economy slows, you’ll see mortgage rates go down. Two years ago with the new tax bill, Congress made a mistake that has dramatically affected military families. Gold Star families are entitled to survivors’ compensation. Congress made a clerical error, changing the tax on those benefits from 12 to 37%. This is punishing families who’ve already made the ultimate sacrifice of losing a loved one in service. The U.S. House passed a bill to fix this last spring 417 to 3 – basically unanimous. Now that correction is tied up in the Senate and Mitch McConnell will not allow this to be voted on. This needs to be fixed now. Kaiser Health News has exposed the UVA Medical Center for ruining lives by confiscating homes and garnishing wages under a hospital bill shock system exploiting state codes to sue people blind. This after billing at rates way beyond what’s reasonable and customary. UVA isn’t the only perp here. Recent stories expose medical providers in TN and GA. No one in medicine is interested in telling patients what treatment will cost. One consumer was given a quote yet was billed 52 times that amount after a procedure. What does it take to be a consumer? You choose what you buy, based in part on known costs to fit your budget. Healthcare is the only thing that doesn’t follow this. Learn more about your ad choices. Visit megaphone.fm/adchoices
Saudi Arabia represents a huge percentage of world oil production. The recent drone attack took half their production offline. But it appears they will be back to full production in a matter of weeks. In addition, fall is a slow time of year for oil consumption. After Labor Day, demand declines. Factor in recession in some countries and a slowing U.S. economy bringing down demand. Meanwhile, U.S. production has increased. A decade ago, the U.S. produced little oil, and faced shortages driving up costs to $147 a barrel, compared to $60 last trade. We may see a brief minor spike in prices at the pump. Equifax conned the states and the Feds to reduce their settlement liability to $125 per affected person and is still hitting back over the number of applicants. Now that want you to verify information again. You have 4 weeks to reverify your application. California has passed legislation making app-based workers employees vs independent contractors, starting in January. This includes Uber, Lyft, DoorDash and the like. There’s been a large movement by employers pushing the private contractor designation, to avoid paying benefits. We need a class of employment falling somewhere between a contractor and full-time employee. Uber and Lyft predict their labor cost will rise 20- 30% in California from this change. This current system of off or on is exploiting and harmful to workers. Ratio employment would help ease the income inequality problem in the U.S. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark recently returned a rental car. He had 5 pics of the car. Why? After returning, sometimes weeks later you may get a notice saying you owe for damage. They may have already charged your card for the damage. All contracts say your check-in slip is subject to later inspection and damage charges. Clark takes pics of the car upon return, so if this happens later – he’s got dated pictorial proof. Clark had noted a ding and windshield chip on the initial ticket. You’ve got to protect yourself. Also, for at least 20 years Clark has advised travelers to rent from an off airport rental site to save money. Many airport rentals come with massive junk fees. Because many people have been avoiding airport rentals, cities are fighting back by imposing nuisance fees and requiring affidavits. If you pick up a non-airport rental in a metro with an out-of-state license you must sign an affidavit stating you did not fly in the last 12-24 hours. Clark’s nomad brother rented a car this way for one day, then turned it in for a longer term rental having satisfied the time limit – to save big money. It’s work, but you have to know how the car rental game is played to avoid getting burned. Previous Clark Rage: In order to maintain an Apple controlled monopoly, Apple had been refusing to supply parts to independent repair shops. This lead to legal action and resolution. Apple is now selling parts and allowing access to manuals to independent repair shops. This will give users more choice and competitive pricing, and ease the repair backlog. Instead of industries operating closed shops, the free market should rule.
Clark has been accused of being unrealistically optimistic. He’s OK with that. The National Academy of Sciences Journal published a Boston U School of Medicine study finding tremendous benefit for inherent optimists. Men and women innate optimists have around 15% more longevity, accounting for other factors. Optimism was found to be about 25% genetic. That means 75% is in our control. Optimistic women are 50% more likely to see 85 or older. Optimistic men are 70% more likely to see 85+. The study found that positive people recover from illness, injury or surgery sooner and are generally healthier. Learn more about your ad choices. Visit megaphone.fm/adchoices
The World Health Organization has declared excessive gaming a psychological disorder. A MarketWatch survey reveals the number of people spending an hour or more a day playing video games increased 20% over the last year. Many believe they'll go pro and earn a living and become reclusive and obsessive in the endeavor, gaming constantly. For parents, it's a tug of war you want your kid to win, so game time should be strictly limited. Who knew the pro athlete mentality would translate into gaming. The winner of a Fortnight competition won $3M, reinforcing others to abandon all else for gaming. But, for athletes and gamers, almost no one makes the cut as a pro and those who do have a short career. Clark answers his critics on Clark Stinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Beware of annuity sales. Annuity sales subsided when fiduciary rules were in place - rules that have now been pushed aside, causing new sales to skyrocket. Insurance companies and banks push these because they have humongous fees and commissions. These contracts allow the insurance companies to change the terms at any time and the tax treatment is generally not favorable. When you're getting a vague investment pitch ASK if it's an annuity. If so, walk away.
File an insurance claim, and the next thing you know police are accusing you of a criminal act. It's happened. When shopping insurance, make sure the company is solid. Clark routinely recommends choosing insurance companies that get the highest ratings. Cost is secondary in this area. A Buzzfeed investigation reveals some insurers investigating big claims, will direct law enforcement against the insured. Clark had a co-worker who had just moved, suffered a fire, and was accused of torching his own house. Insurers working with police to start a criminal investigation to delay or deny a claim - this is hopefully rare but raises the stakes on how important it is to be with a company that rates high in serving customers. Don't just go with the cheapest insurance company. The Cash app has now eclipsed Venmo as the top app for sending money to family and friends - special emphasis on family and friends only. These apps operate efficiently, making it easy to send money. When shopping online, particularly with sites like Craigslist, eBay etc - if the seller requests payment by one of these apps, consider that a red flag for a con. They vanish and your money is gone. ONLY use apps to pay someone you know because once you pay, the money is gone. Zelle is being pushed by banks but does not have any meaningful consumer protections compared to Cash app and Venmo. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark's family uses the Life360 app, allowing everyone to know each other's location. Teens use such apps, including Apple's Find My Friends, Google Maps location share & Snapchat - to keep up with friends. What are these apps doing with the info? What are you permitting them to do? You can choose to wipe history clean. With any of these free services, the apps can make money with the info we're sharing. Location sharing can be very loaded and problematic in relationships and you should consider this before signing up. Also, know that teens can get around some of these location services, so you need to use it with their cooperation. The scam calls keep coming. Major cell phone carriers are starting to validate traffic with each other, but there are still many fake calls coming in. Follow this simple rule: Only answer the phone when you recognize the person calling. If caller ID says it's a business or government agency, only answer if you're expecting the call. Otherwise let it go to voicemail and you can call back if it's legit. Don't trust Caller ID. It's past broken
There are moves around the country to grow food in warehouse environments. Advantages: Climate control, water conservation, no pesticides for easier organic certification. The WSJ reports a company building a 60 acre greenhouse, offering exponentially more productive than farmland - 50x over the output of traditional agriculture over the same acreage. Other countries are further along in this pursuit. Controlled agriculture lowers risks from the elements and allows us to increase our domestic food supply. Learn more about your ad choices. Visit megaphone.fm/adchoices
We face many challenges with how to use technology for security. There's a race to develop screening tech to quickly assess facial images and determine threat levels. AI systems are being developed along these lines, including one called the Avatar (Automated Virtual Agent for Truth Assessments in Real time), a system using AI techniques to assess threat levels, funded in part by the federal government. The subject answers questions on camera during the assessment. The developers claim only 80% accuracy. A cold call lab test scam is costing people their identities and money. Kaiser Health News reports on an ongoing scam operating around the U.S. wherein senior citizens are contacted and told they're due for Medicare directed testing. Contacted by criminals receiving kickbacks, by phone, in person or on social media, the senior may even be driven to undergo genetic testing that Medicare is then grossly over-billed for. Make sure your loved ones know not to agree to any test unless ordered directly by their doctor.
Save more, Spend less- Team Clark lives this. Team member Chelsea helped her Dad, a small business owner, save over $3,000 a year by cutting 3 monthly bills one Sunday afternoon. The task took 2 hours. Chelsea knew how he could save on cable, internet and cell phone. Learn more about your ad choices. Visit megaphone.fm/adchoices
Government attempts to rein in prescription drug prices haven't worked. We have the most expensive med prices on the planet. And the way we get and pay for meds is changing. Some doctors have dispensing machines for routine meds in their offices. GoodRx is a force for negotiating lower prices and comparison shopping. The next wave may be online sellers. Amazon has bought into the industry - not a big play yet. But there will be incentives with employer plans to fill prescriptions with online providers. The key to lowering costs is being prepared at your doctor appointments to proactively ask for cheaper Rx alternatives. Have the $4 list from walmart.com. And employ GoodRx and other discounters - while in the office, before you have to go pick up a medication. MarketWatch reported on a couple reaching out for financial guidance, unable to make ends meet on $500,000 a year. They could easily live AND be saving huge, but their expenses are crazy. Beware what economists call 'the marginal propensity to consume' - As income goes up, so go people's expenses. Control impulses and wants or you could end up in a financial hole no matter how much you make. Safety deposit boxes were not safe at all. New bank terms of service have removed their liability for theft or any other circumstance. The NYT reports how banks have washed their hands of this and regulators do nothing about the disappearances. The situation is so bad, if you have items of value, have your own fire safe box in your home. Learn more about your ad choices. Visit megaphone.fm/adchoices
We’re 10 years into economic expansion and people are still struggling. Most are in debt and unprepared for any unforeseen expense or emergency costing $400 or more. Hopefully, this economic downturn won’t turn into a full-blown recession, but we’re already getting calls from people who’ve been laid off. We are in a slowing time of uncertainty, so we need to prepare as we can. Recommendations for having 3 to 6 months of pay on hand are daunting and unrealistic for most. So start smaller with Clark’s $500 challenge. Think about saving $10 a week / $40 a month until you get to $500. Many online banks have no minimum, so put $ in regularly. Micro save. Take the baby step to begin creating some space in your life. If you’re living paycheck to paycheck with no cushion in your life, make this small start. What can you do to squeeze some money into savings? Get started small and keep building. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
AAA reports deaths from red-light running collisions have hit a 10 year high. Fatalities are up 30% in the last few years. Likely distracted driving is the root cause. Clark pauses for a second when a red light turns green in case someone blows through the corresponding red light of an intersection. If you move too quickly, you could be T-boned by a red-light runner. Meanwhile, police are cracking down on device distraction, posing as construction workers and finding other ways to site hands-free violations. The consequences of distracted driving are often deadly. Many for-profit schools are student loan mills. They heavily recruit and advertise to fill their classes via student loans. But many of these schools have gone insolvent or engaged in bust-outs, leaving students with incomplete training. The principal players of the school may have made off with millions, leaving students in debt. Under the federal regulation known as ‘borrower’s defense’ - students received loan forgiveness when schools failed to deliver on their promises. But NEW regulations just proposed by the DOE will leave students fully exposed for such debt, with the near impossibility of forgiveness, even when defrauded by a loan mill school. Payday loans carry interest rates of 400-800%. They take advantage of desperation. A minor financial problem quickly becomes catastrophic as theses snowball on people unable to pay. Meanwhile, more than half of Americans now can’t afford an unexpected expense. What began as a small experiment 2 years ago, has spread. Now 1 in 7 employees work for companies that provide emergency loans or pay advances at around 4-10%, to reduce the number of employees in extreme financial distress. This is enlightened self-interest for participating employers. Employee Assistance Funds are another way companies are helping workers – usually a one-time-only benefit. And employee emergency funds are a way for workers to help out each other in times of need. Ask about these programs when needed. Learn more about your ad choices. Visit megaphone.fm/adchoices
Proposed legislation would provide US citizens access to all of our own medical records. This would require providers to send data to medical record apps – with the patient’s permission. Privacy risk concerns are valid here including data breach exposure and data abuse by insurers. The NYT reports Apple is designing their medical app to encrypt the info and confine it to your device only, not on their servers. Android needs equivalent protection. As Dorian heads up the coast, scamsters are already at it prompting a warning from Homeland Security to be aware of fake emails pretending to be from charities. You may soon see people collecting on street corners. Never respond to phone, email or text solicitations. Give directly to trustworthy organizations. See our guide. If you have first-hand knowledge of a group you trust, excellent. But don’t give to any charity organizations that you can't personally vet. LEDs were $80 when introduced. Now they’re down to as little as $1. Home Depot Sylvania LEDs – 2 dozen for $24. Dollar Tree and Costco sell them cheaply as well. LEDs use 85% less electricity. If you buy a traditional bulb for .50 cents vs. and LED for $1 – that’s a trap. So the Energy Department is proposing new regs to eliminate standards for efficient bulbs. Lighting comprises about 25% of the power bill, so switching bulbs could save you around 20%. Buy efficient bulbs. They last much longer and save you big money. Changing bulb efficiency legislation is a joke. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart and Target are offering great incentives for you to trade in your old (and likely expired) car seat. You can find out more about the Target deal here. Walmart is offering a $30 gift card if you bring in an old car seat. Find out more about eligibility here. Wells Fargo doesn't seem to learn from prior mistakes. In a case of mistaken identity, Wells Fargo had a customer who had done nothing wrong put behind bars. Now he is suing and Wells Fargo is trying to force him into arbitration. YouTube is settling with the FTC over claims that it violated the Children's Online Privacy Protection Act by collecting and exploiting the personal information of children that had used YouTube. This would be the largest civil penalty the FTC has ever assessed. Learn more about your ad choices. Visit megaphone.fm/adchoices
Members of Amazon Prime pay $119 per year for 1-2 day delivery at no minimum, Prime only merchandise, Access to Prime instant video and no-frills music service. Amazon has ways to keep you Prime(d). For Clark, it's useful as a $10 a month video subscription. Check out our quiz at Clark.com to determine is Amazon Prime is worth it for you. Non-Prime members get free shipping with the minimum order for that perk. Also, Amazon's more about convenience than low prices. You can often find lower prices elsewhere. We Americans trap ourselves by borrowing for purchases. At the top of that list is buying a car. Car notes should really be avoided if at all possible. Think about all the other things that car note money could do for you. Don't think of wheels as lifestyle, but only as transportation that you want to keep your monthly bills low and increase your ability to save and invest. Learn more about your ad choices. Visit megaphone.fm/adchoices
Watch out for a pitch that claims you can pay your mortgage on a biweekly plan. Banks often get a commission by conning you into a biweekly payment program run by a third party. If they abscond with your money or make late payments, the bank bears no responsibility. You get more impact if you divide your monthly payment by 12, and pay that 1/12th additional principal payment each month. It is far better to set up your own biweekly payment plan. Your extra payment reduces interest which shaves more time off your loan. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
JD Power reports on which vehicles best hold their value. If you will make one major change to the way you look at vehicles and drive your car until till the wheels fall off you won’t have to worry about depreciation. More hotels are implementing a bait and switch where they publish a great rate and then rip you off with poorly or undisclosed fees. Clark just ran into a $56 per night resort fee + a $26 per night parking fee – that’s in addition to the room cost. There’s a plague of this and the hotels are defiant about it. Marriott and Hilton are being sued. The price should be the price. With the current inability of political parties to work together on healthcare, it’s heartening to see solutions being tried at the state level. U.S. life spans have been in decline while healthcare costs skyrocket. The U.S spends 20% of our nation’s output on healthcare. The next largest national expenditure is 8%. N.C. is placing emphasis on regular primary care, creating financial incentives that reward providers for keeping people healthy. When we focus on simple continuity of care and prevention, we get lifespans back up and cut costs at the same time.
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Problems in the energy industry are working to consumer advantage. Natural gas is in oversupply and at wholesale, the price has been driven down. But for consumers, in states where savings are passed on to the ratepayer, there’s a direct benefit. In some states, you select a natural gas provider. Those states usually offer the option to lock in a fixed rate for a period. There will be a strong advantage in doing that before the cold weather season kicks in. This Fall is a great time to lock in a rate for your home or business. Check out this awesome deal for Disney's new streaming service. Cruise lines are changing itineraries to stay out of harm’s way during hurricane season. Travelers can be left out the money and no trip. If the weather could be a factor, for example, a fall cruise out of a FL port or a Caribbean resort booking, you can buy a trip insurance policy allowing you to cancel for any reason for a partial refund. These policies cost more, but most others don’t cover weather interruptions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Individual discount codes are hit or miss these days, because they’ve become more personalized. Online sellers are using algorithms to target individuals specifically with tailored coupon offers, often specific to that calendar day. It’s a code only for you, only for today. This started with electronics sellers and has been spreading. These codes pierce privacy so consumers need to decide if they’re worth it. Also, it’s important to hide your identity while shopping. Online sellers have become more sophisticated and give convenience shoppers potentially higher prices. Shopping anonymous may yield a lower price. Ford knowingly built 600,000 vehicles with defective transmissions. The Detroit Free Press published a long-form investigative series on this. Whistleblowers and leaked documents offer proof Ford sold Focus and Fiesta models that were potentially dangerous and routinely required costly repairs due to defective transmissions. For owners, thanks to the Detroit Free Press, Ford will offer extended warranties to 600,000 owners of these vehicles. They will repair and reimburse transmission repairs for 2014-16 Focus models and 2014-15 Fiestas. We’re numb with data breach fatigue, but Marketwatch reports how brutal and multi-layered ID theft can be, profiling one case. This couple faced $25,000 in fraudulent charges and while dealing with that, the criminals doubled down, creating a change of address with the USPS. In addition to unknown accounts being opened, this couple’s mail vanished. It took 2 months to unwind this at the postal service so they could again receive their mail. In the interim, despite their best efforts, they missed some bills and late pays damaged their credit further. 1. Freeze your credit. Freeze your kids’ credit. A credit freeze would have prevented this. 2. Have a system for keeping track of all your bills, a list on paper or reminder system via on an online calendar. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oil and in turn gas prices which were expected to be headed higher now, are in fact lower. AAA reports as we move into the Labor Day holiday period, gas prices will average .30 cents less per gallon than one year ago. Traffic will be the problem this Labor Day holiday. Also, electric vehicle purchases are a small part of the market but enough people are buying to affect the demand equation for gasoline, and that is helping to moderate prices. There will still be ups and downs based on temporary factors, but the trends for low gas prices are positive. A 3 year investigation resulted in a federal bust. Be on your guard for the techniques these scammers used – this won’t be the last criminal ring employing them. The number one scheme here: online romance scams - an active fraud method for at least 15 years. This time, the fraudsters were pretending to be U.S. military personnel. No matter how much you may have fallen for someone online, don’t believe the story until you’re face-to-face and know who you’re dealing with. Criminals exploit the military or anything else to exploit your affection as a gateway to your wallet. A WSJ investigation has found unsafe and counterfeit sales on Amazon. Their intense digging uncovered safety issues. Most Amazon sellers are third party, much like online marketplace eBay. Amazon muddies the waters by including many 3rd party items as Amazon Choice or Prime. Some kids’ toys contained led, and counterfeits were found. There’s hazard for adults as well such as counterfeit motorcycle helmets. Amazon is selling items that have been banned, including mats that are a suffocation danger to children. 4 out of 10 Amazon Choice kids’ items failed federal safety standards. Amazon sells 3 different ways: Listing for a third party, fulfilling for a third party and direct selling by Amazon themselves which they control. It’s hard to tell. Amazon has a broken system right now. Don’t allow yourself to be harmed. Follow the steps to identify the actual seller. Important: Amazon does NOT stand behind anything sold on its site that is NOT sourced by them. eBay – also a listing service, is more customer friendly to buyers. Know that Amazon is not necessarily a safe place to purchase until they clean up their act. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark's neighborhood recently got 1gig internet service. He signed up. Speed tests show that they are not getting 1 gig. The WSJ did an in-depth testing of home internet service and found that people do not need ultra-fast internet. They couldn't find a home circumstance requiring more than 100megabits per second. There are specialized needs for more robust internet. Some consume massive internet video on their phones without ultra-fast internet from their cell carrier. Clark plans to cut costs and reduce his home internet speed. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
College students and their parents are being ripped off by the very colleges they’re attending. Banks approach universities to create co-branded campus debit cards, promising kickbacks to the school for every student that signs up for their debit. The fees on these co-branded kick-back cards are 2 to 3X normal. Meanwhile, most colleges have credit unions available to faculty, staff, administrators, and students – offering great deals and typically no to low fees. There is NO requirement you use the co-branded card and that behind these cards are dirty money kickbacks paid to the college. Nike has launched a kids’ shoe subscription service. These plans are $20 to $50 a month - $240 to $600 a year for a Nike shoe subscription. Availability has been filled and now there’s a waitlist. Parents, don’t do this. Don’t give your kids the message that brands matter, setting them up for lifelong problems with money. Facebook’s rep has been heavily tarnished over privacy issues. They say they’re addressing the problem giving users new control over personal info, at least in part. They’re launching a new tool – ‘Off-Facebook Activity’ to give users the ability to see what info has been collected and sold to third parties. You’ll be able to manage that data, control how it’s used, disconnect history tracking and short circuit sharing with third parties. Facebook is rolling this out in Europe and South Korea to work the bugs out, promising availability in the U.S. in a couple of months. Learn more about your ad choices. Visit megaphone.fm/adchoices
The 737 Max remains grounded as Boeing struggles to find fixes. The FAA, having lost its credibility from lack of oversight of the Max, is now relying on the recommendations of a world panel, with no service date in sight. This affects travelers as airfares are higher because of this and Southwest, the largest operator of 737s in the world, is now discontinuing 20 unprofitable routes, moving those aircraft to Hawaiian routes. This has triggered great competitive deals from the west coast to Hawaii again, and higher fares in the markets Southwest is leaving. The MoviePass database contains 160+ million records and has been breached. TechCrunch reports the database was not password protected. The guess is 60,000 records contained credit card data. Past subscribers need to watch activity on the cards they used with MoviePass. If you used a debit, the risk is great. Consider getting a new debit card number. As the economy slows and interest rates go down, a rare saving opportunity has re-emerged; Series I Savings Bonds. When you buy bonds, you have to own them for at least a year and can hold them for up to 30 years, earning interest. With a slowing economy and interest rates headed down, Series I Savings Bonds are again a good place to stash cash. Series I Savings Bonds pay a .5% base rate + the rate of inflation, reset every 6 months, making the current rate 1.9% - not huge but as rates drop, you don’t have to worry about falling behind inflation, remaining ahead by half a point. You can purchase up to $10K in these bonds yearly, per person with a $50 minimum. Learn more about your ad choices. Visit megaphone.fm/adchoices
iBuyers are the real estate organizations that can buy homes to simplify the process. They have big money behind them to accomplish this and include Offerpad, OpenDoor, Knock and others including Zillow. In addition, traditional agencies are entering into alliances with iBuyers. MarketWatch reports Keller Williams is partnering with Offerpad in 12 cities. These organizations are experimental. Their business models keep changing. Clark sold a rental condo recently and listed with an iBuyer (Offerpad) after talking with several. The process has interesting wrinkles. Knock is working with builders and provides the bridge between selling and buying. All base their buy offer on the condition of your home. They’ll offer less to do improvements with their contractors for a quick turnaround. The iBuyer process has its limitations. It works well in the South and the West suburban communities with comparable homes from large production builders. This doesn’t work in older communities, in the NE U.S. iBuyers concentrate in the middle of the market. They may never serve certain markets. Traditional agencies will likely be expanding their services aligned with iBuyer business models. If you’re putting your home on the market, get quotes from iBuyers if available, along with traditional agents. You get fair market value info from their various algorithms. The NYT has investigated continuing egregious practices by Wells Fargo. This bank can’t get out of its own way, despite their ads indicating reform. Their latest outrage: arbitrarily closing accounts, generating overdrafts on auto payments. These fees are a huge profit center for them, and costs customers huge fees. $1500 was the damage on one account. WF then puts their customers/victims on the bad list for the banking industry, making it hard to impossible for them to even bank elsewhere. Wells Fargo was defiant in their response to the NYT. They’re not close to becoming customer focused or honest. Beware. Laura from Team Clark was an identity theft victim and has experience navigating the process. Laura went to the Equifax Claim site and was indeed eligible to file, as her id theft about 2 years ago, was a result of their data breach. Someone opened a credit card in her name, applied for multiple loans, cell service and more. Damage control took weeks of phone calls. Since, Laura has frozen her credit and monitors it with Credit Karma. Her credit has bounced back by now. She considers herself lucky they didn’t do more damage. They could have. Many expecting to receive compensation won’t receive much. Using the link at Clark.com, Laura applied for the $120, but so many have filed claims, the awards won’t be that much. But problem solved because she worked hard to advocate for herself, and fortunate more damage didn’t occur. Laura says FREEZE YOUR CREDIT NOW Learn more about your ad choices. Visit megaphone.fm/adchoices
The student loan forgiveness program has failed, denying those in the public service profession forgiveness after 10 years of service in good faith. Now, the appointee in charge of protecting student borrowers’ interests comes to that job in the federal government from a lending company so please remember it's up to you to fight for your rights. You have got to know the rules and make sure you’re doing all required under the federal student loan program. Document every payment. New lower price on Disney admission! The only requirement: Enter Noon or later. Accommodations in Central FL are at off-season prices as well. As companies move away from using SS numbers as identifiers since the Equifax breach, more and more are using our phone numbers as identifiers. More databases are tracking us based on our phone numbers. Many loyalty programs require phone numbers. It’s easy now to use an alternative number to keep your main one more private. Sign up for Google Voice to receive a distinct phone number. This can be a replacement identifier. The Burner app provides a continuing stream of different numbers. A NYT tech writer investigated what info could be gleaned about him from his phone number. It was massive – full dossier – all from databases using phone numbers. Personal safety and privacy are tied to your phone number. Learn more about your ad choices. Visit megaphone.fm/adchoices
According to the ACSI, pay TV, internet service providers, and traditional phone companies are the 3 industries that rank the worst in customer service. What happens when you call customer service? You go through a phone tree maze. Many require you to speak, so they can use AI software that patterns your voice to gauge your patience, track you through caller ID, check your profitability index score, and answer you call (or not) accordingly. Clark has found attempting customer service via phone is only effective if you’re prepared to fire a company and have your next provider in mind. Often you only get results when customer retention is engaged because they get that you’re leaving. Always being willing to walk is key to getting the customer service you’re looking for. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Housing prices have gone up way beyond income. In an effort to jumpstart home buying for those in their 20s & 30s, the Feds are offering a new FHA loan for first-time condo buyers, with a 3.5 down and lower credit standards. Know the condo market is more volatile than the single-family home market, with values going up or down more quickly, creating more short-term risk. Ideally, go into a condo purchase using Clark’s rule of thumb if possible, with the intention of living there 10 years or longer. Otherwise you should rent instead, despite this new FHA financing. On the heels of a similar disgrace in PA – stripping consumer protections from teacher retirement plans, Texas now has one of the worst law changes for teachers retirement in the country. Teachers are shunted into retirement plans vastly inferior to 401Ks or IRAs, called 403b’s. These plans have poor disclosure and massive fees. In Texas, teachers can be charged massive fees on 403bs, typically 40 times that of a company 401K. The U.S. is the only developed country where consumers continue to buy primarily brand names. Roughly 1 in 4 items tend to be store brands vs nationally advertised brands. Well-targeted national ads are effective. Americans spend massive money buying brand names. That market has been eroded some, so brand manufacturers are pushing up their prices to generate higher profits. It’s working. Store brands historically have been 30% cheaper and that gap is getting larger, even as store brands are improving in quality. Learn more about your ad choices. Visit megaphone.fm/adchoices
Bond rates are at all time record lows for 30 year federal treasury bonds, a strong signal of coming recession. If the economy slows or declines, workers are impacted with less overtime, reduced hours, pay freezes etc. Think through how you can be more careful with spending. Take the time to look through your bills, trim costs and build some breathing room. Things happen and we need to be prepared for surprise expenses – medical, home, vehicles etc. Investors, if you’re going to need your investment funds in the next 24 months, keeping it in stocks may not be the best choice. Otherwise, continue to contribute to your retirement plan as normal. According to the CDC, vaping has gone up 50% in one year among middle school students, 80% among high school students. Juul voluntarily discontinued over-the-counter sales of flavored juices attracting teens, so other companies are filling that void. Be aware of the unknown health risks. Vaping is a nicotine delivery system that can create lifetime addiction. Parents are encouraged to have continuing conversations with kids about the dangers, because remember, they think they’re invincible. Cell phone plan deals! AT&T is offering a year’s service for $300 per line, only at AT&T.com – unlimited talk & text and 8 gigs of data per month. MintMobile.com offers 6 months of service for the price of 3 at $60 for unlimited talk & text + 8 gigs = $10 a month – on T-Mobile’s network. Verizon prepaid is $35 a month with autopay for unlimited talk & text and 6 gigs of data per month. Sprint’s Unlimited Kickstart plans offers unlimited talk, text & data for $25 a month. Learn more about your ad choices. Visit megaphone.fm/adchoices
Movie Pass and Sinemia are both effectively out of business. But in the process they taught the film theater industry that if you offer a deal, many will take advantage of it. The movie industry has faced stagnation and steady decline with fewer people going to movie theaters. AMC was the first to offer a subscription through Stubs A-List – around $20 month for 3 movies a week. Regal’s program is $18 - $24 per month – offers unlimited movies! Only subscribe if you’ll really use the subscription. Zombie debt reaches into the past to cause havoc in the present and future. Rogue collectors buy very old debt for a fraction of a penny on the dollar. Old debts can’t be sued against. But crooks in the industry are contacting people and conning them with trick offers. They suggest you pay $1 or another nominal sum to settle an old debt. BUT in many states, as soon as you do that, the debt is treated as new – and you can be sued against it again. You no longer have a statute of limitations protections. Never agree to any partial payment against an old debt. Nicole from Team Clark has a relative who got a pitch in a retail parking lot. Her sister-in-law was approached in a Kroger parking lot. The person noticed dents in her car and offered to fix them for $160 – far less than a body shop would charge. He said he had the equipment in his car, was off early – let her know he was a family man. Nicole's sister-in-law noticed his car was beat up, and politely declined. This scheme has been around at least 10 years. NEVER fall for a parking lot pitch to fix a car. Just say no. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card interest rates are at an all-time high. At a time when interest cost to banks is very low for what they borrow to lend on credit cards, they’re charging the highest rates ever. Users don’t worry about rates likely because they don’t intend to carry balances. Meanwhile, if you’ve financed a vehicle at a bank or dealership, now there’s an opportunity to refi for a much lower interest rate through a credit union. With the trade related reduction in interest rates, this is a side benefit. Home refi opportunities are great again. Shop around. With good credit, you can refi a 30 into the low 3s, or move to a 15 year loan for around 2.34%. With all the publicity surrounding the Equifax settlement, people are doing searches to find out more and ending up at spoof sites. There are scam sites taking personal info. If you are interested in the settlement, go to ftc.gov/Equifax. Nearly 1 in 5 American households have cut the pay TV cord. Streaming packages generally range from $20 to $60 a month. Philo and Sling are the bargains. (Sling TV is a service of Dish – always priced favorably). Coming this fall: the new Disney bundle, including the Disney film and video library, ESPN+ and a stripped down version of Hulu for $13 a month. Consider free streaming. Ad supported streaming is the fastest growing form of video content. Roku offers massive free content. Learn more about your ad choices. Visit megaphone.fm/adchoices
Complaints against American Airlines have been filed for their refusal to accommodate passengers with nut or any food allergies. The DOT has determined American was putting people in harm's way. Now airlines are required to accommodate those with food allergies, which comprise 1.5% of the population. While other airlines have done away with nut snacks, American continues to serve them, allowing pre-boarding to wipe down seats for designated passengers. They need to take the next step and stop serving nuts. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Social security hacking is a rare but ongoing crime, wherein a criminal hijacks someone's social security benefit, convincing the authorities of an address and bank account change. Impersonating you, the criminal starts receiving your benefit. Criminals will also apply before you do - just in advance of your 62nd birthday, while you may be planning to take the benefit years later. Set up an account at MySocialSecurity.gov long before you're eligible to receive the benefit. If an address change is attempted, you get an alert letter. This account allows you to monitor your benefit. Pay attention to alerts and letters. And before you ever call social security - verify the number given to avoid ss scams. It's back-to-school time for many districts in the country and for most, the morning bell rings way too early. The early bell is a convenience for working parents, but it's not what's best for kids. Adolescent circadian rhythms have been studied. Kids this age are night owls for whom getting enough sleep is critical to development. They perform better if school starts later. Some school districts have made the adjustment. One district at a time..... Family and individual phone plans - / Clark.com Cell Phones / ClarkDeals-Phone Plans
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Way too often people will raid their 401(k) at some point. They take out a loan, do a hardship withdrawal, or spend it away when changing jobs. The Federal Reserve finds that people withdraw around 40 cents of every dollar put in their 401k - money that WON'T be there for retirement. Pew Research calculated the average amount of a major unexpected expense to be $2,000. Most don't have $2k for emergencies. The WSJ reports more employers are offering personal finance programs, with emergency fund rewards for participating. There are now hundreds of companies offering these programs in order to increase productivity and reduce turnover and stress in employees. Deal or no deal: Private real estate placements. They're hot. Do they have any place in your life? A major U.S. landlord has been accused by the Justice Dept of running a criminal Ponzi scheme. This individual owns properties across 14 states. He raised $110M under the pretense of investment, converted to personal use and sustaining the Ponzi. This is the danger with any offer of private real estate investing. If you put money in, it's a hard time getting it back out. Be aware. Be careful. A potential money-making opportunity: Renting out your car an hour, day or week at a time. Years ago Clark shared how luxury & sports car owners were listing their vehicles and Turo and Getaround. Now entrepreneurs are buying low mileage, young used cars, building fleets and making a living renting them out via car-sharing app business platforms. The app takes a quarter cut typically. Car rental companies are spending a fortune to get state legislatures to pass laws to essentially outlaw car-sharing apps. Don't invest too much into a business that could disintegrate. Learn more about your ad choices. Visit megaphone.fm/adchoices
American debt and delinquency are increasing in a time of low unemployment. The Census Bureau data finds Americans buying homes with double the square footage per occupant compared to 2 generations ago. The average home has 1000 square feet per person. The average U.S. home now is around 2500 square feet - up from 1500 not that long ago. That's more square footage to heat, cool and repair. Housing is the number one cost of living factor that affects your future financial security. When home shopping, put needs first and stick to living on less than what you make. Shopping online reveals a big push to get consumers to click to purchase now. Clothing sellers flash purchase reports of what appear to be real-time buys going on. That can be faked. Priceline uses this tactic as well - pushing you to click to buy now because some person just got some hotel deal. Car rentals sites may tell you there's an urgent shortage of available cars so book now!! Know these manipulations exist to counter the problem of abandoned carts. Online retailers are using mind-games to create urgency and/or excitement. Don't let them fool you. Learn more about your ad choices. Visit megaphone.fm/adchoices
Check out our new free online movie guide. Ad-supported streaming services heavily featuring movies are a fast-growing part of streaming. Big Five Glories features classic movies, no subscription, no sign-up, lots of free movies. Sony Crackle is a free streaming service, mostly movies from the 80's and recent bombs. Crackle is polarizing because there are ads inserted, but it's free. ClassicCinemaOnline features westerns, classic and independent films. Home HVAC units may need replacing. Rip-off Alert! R22 freon is usable this Summer but will be banned next year. There are reports emerging from around the country that HVAC salespeople are telling customers their AC units will no longer work after this season and they have to buy a new one! Go to the manufacturer's website of your HVAC unit and enter your model number to see if your unit will be obsolete next year. Most any unit manufactured before 1996 - 23 years old or older - will be impacted and will need to be replaced. You can retrofit, but as a general rule, retrofitting is not recommended. Learn more about your ad choices. Visit megaphone.fm/adchoices
Food company CEO Scott Nash spent a year eating food past its expiration date, tortillas a year past, yogurt months past and heavy cream 2.5 months past its expiration date. Truth: Most expirations dates on medicine and food don't mean ingestion will be dangerous past that date. Meds can be fine years out of date, perhaps less effective but most are not harmful. Expirations dates should be honored on certain foods, including deli meats, unpasteurized cheeses & milk. And tossing picnic foods that have been unrefrigerated too long is still the best advice. Implementing a voluntary system, 2 years ago the food industry came up with a compromise of 2 labels: Best if Used By and Use By - to reduce confusion. Nearly 90% of us toss expired foods. But that's not necessary with most food items. Scott Nash was just fine! Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
People have issues with financing, builders, selling, and buying used homes. There are many confusing moving parts. Clark discusses 9 steps to buying a home involving credit, qualifying and shopping for loans, shopping homes, negotiating etc. Local communities have design rules that have crushed affordability for first time home buyers. In dense urban areas, the value of land drives the cost of homes. So out-of-date rules on land use create many inefficiencies, including affordability. The next wave of urban planning should take into account creating efficiencies that will allow more affordable, smaller single-family housing in metro corridors. Clark's 13-year-old son was all over getting a cell phone protection plan. We're so connected to our devices that when in a cell phone store, we're susceptible to the pitch to buy their junk insurance product. Don't do it. Cell phone insurance is horrible, trashy junk. Don't do it. It's overpriced, and you have a big deductible for what's usually a refurbished replacement phone. Have wide insurance in your life disability. Use a credit card hat provides free cell phone insurance when you use it to pay your monthly cell bill. There's one thing higher and trade education students can do to boost their chances of good-paying jobs after school - work while in school. Working in college makes for higher paid grads. Northeastern University grads tend to easily get good jobs after school because working is built into the curriculum. Students alternate semesters with working full-time. The degree takes an extra year, going year-round. New grads have years of experience in their field of study. Having work experience provides maturity so valuable to employers. Clark was a full-time working night student in college and grad school. That work experience served him well, allowing him to retire (the 1st time) at age 31. Learn more about your ad choices. Visit megaphone.fm/adchoices
Back to school sales have begun in much of the country. Overwhelmingly, schools have migrated to Chromebooks as the computer of choice. Chromebooks are easier to manage and maintain and are less vulnerable to viruses. No frills Chromebooks are under $100. If your child is going to a Chromebook based school, your cost will for a really capable one will be around $150. If your child is going to a Windows school - a good Windows laptop will cost around $199. Yet another medical bill shock. In mid and large size communities hospital systems are expanding to gain market control, with generally 3 such systems dominating a metro. In addition to 'roll-ups' - the buying out of smaller independent hospitals, large hospital systems buy up individual doctor practices. If the doctors choose not to sell-out, they get no referrals. When your doctor's practice is purchased by a hospital, know that is a landmine for your wallet. Clark is not an athlete but is a self-motivated fitness nut. In order to sustain an exercise program, many find they do much better as part of organized group activities. That's a hot trend right now. Many traditional fitness centers are failing (so don't pay big money upfront for a gym membership). Experiential facilities offering group classes are the rage now. This is labor-intensive for a facility and therefore expensive for consumers. If you know you need group motivation, consider your local YMCA as an affordable alternative, where classes are offered for less. Also, all over the country, there are free exercise group activities to be found. Search a site like MeetUp.com to locate a free local meetup group. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's much confusion surrounding life insurance - Who needs it? How much? How do you go about buying it? Only ultra-high income earners might be candidates for whole life. Avoid universal life and variable universal life - those are recipes for disaster. Most people should have level term life, wherein the premiums do not change for the term of the insurance. The purpose is the replacement of income to provide for loved ones. Term life only pays in case of death and is easy to comparison shop for and buy. In the midst of seaside nuptials, a distress call occurs. A teen surfer is being dragged out to sea, as 2 others attempt a rescue. Groom Zack Edwards, a Coast Guard member, springs into action. All make it safely back to shore. Link to the video at Clark.com. Often we only get the bad news. Zack Edwards made the decision to risk his life for others. What do you want to achieve? What's important to you? The FIRE movement is getting backlash today against people who've set the goal to retire early by saving maximum money to do what they want in early retirement. Have the goal. Track your spending. Paying with cash makes for more mindful spending. For those who can't get spending under control, living on a cash basis only drastically reduces spending. Make sure to automate savings into your retirement accounts. Learn more about your ad choices. Visit megaphone.fm/adchoices
The cost of home broadband has gotten so expensive and more consumers are disconnecting home internet in favor of cell phone Wi-Fi. USA Today reports 40% are using cell phone internet exclusively now for service. They're finding that it works out fine. On cell phones, people don't have to worry about data overages. Some carriers may impose network management for those who've used a lot of data that month and find themselves in congested areas, by crawling service till the next billing cycle. But there's no overage. This is a great alternative to paying huge money to a cable monopoly for home internet service. The simple scam hitting millions of us is an easy rip-off to watch out for. Consumer warning: What you don't notice on your monthly bills can cost you. While a big bank looked the other way, criminals stole untold hundreds of millions from consumers. The bank had sold all the credit card numbers in their portfolio to crooks who put fake charges through monthly for 3 years. The bank played dumb and 93% of consumers never noticed fake charges hitting them every single month. The worst part is that the criminals are heavily targeting debit card users. If you don't notice immediately a fraudulent debit, you don't have the rights that come with credit cards. The money is gone forever even if your bank acknowledges the fraud. You're out the money. It's up to you every month to look through credit and debit charges. If something doesn't look right - dispute it. Much of the country has seen devastating flooding. Even outside federally designated flood zones there is risk. Facing that risk is vital. By FEMA's own admission, current flood maps are out of date and incomplete around the country. 3 additional factors: rising sea levels, development replacing ground cover with asphalt and increasingly severe weather patterns - are putting more properties at risk of flooding. The Midwest is suffering mightily from extreme flooding, devastating the lives and finances of many. The terms "1000, 500 and 100 year floods' refer to specific math formulas and are not to be taken literally. Be realistic. If you can see development above you, you could be a sitting duck for flooding, which regular insurance does not cover. Check prices at Floodsmart.gov. If you're in a low risk area, the premiums vs the coverage are reasonable - a few hundred a year in a low risk area for around $250,000 in coverage. Learn more about your ad choices. Visit megaphone.fm/adchoices
The app Tinder has changed the way you pay for its services because Google Play charges apps a WAY too much money; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Solar prices have plummeted. More consumers should strongly be considering purchasing whole-home solar; Almost 20% of kids carry a credit card. That is incredibly dangerous; You should strongly consider changing banks. Learn more about your ad choices. Visit megaphone.fm/adchoices
The T-Mobile merger is likely to be approved very soon. And it's not all that bad as it turns out; Don't take "anonymous" surveys that your work sends you. You aren't really anonymous; Clark tells you when to call customer service to avoid waiting forever for help. Learn more about your ad choices. Visit megaphone.fm/adchoices
Putting in fake grass could be better for the environment and for your wallet; The CFPB has created a co-branded card with H&R Block. The CFPB is siding with businesses now instead of consumers; It's really hard to find cheap contact lenses. Clark tells you where to shop. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark tells you what you need to know about the Equifax data-breach settlement; One school district threatens parents over unpaid lunch money; Consumer Reports rates the best (and worst) payment apps Learn more about your ad choices. Visit megaphone.fm/adchoices
Google's Chrome browser is tracking you more than you realize. Clark gives thoughts on searching and browsing and not being tracked; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Swedes are getting microchip implants to pay for things; Marriott has been sued over astronomically high and deceptive resort fees; Check out this prescription drug tool that could save you money Learn more about your ad choices. Visit megaphone.fm/adchoices
Fidelity is taking their fees even lower; The viral Face app has some terrible terms and conditions that you need to know about before using it; Moving is full of potential pitfalls. Clark tells you what you need to know first. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card companies are torching the secondary benefits that they offer their customers; A lot of Ford Focus' and Fiesta's have major transmission issues; Consumer debt is at an all-time high...which is scary considering how good the economy has been. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google smart speakers are ALSO spying on you. Know what you are getting into before you buy; Clark tells you what to watch out for with this new credit card scam phone call; Texas makes a college education at UT free for some low income families. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card companies are lowering the limits of their customers at random. Clark tells you how to protect yourself; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
What to do with the new (and confusing) W-4 income tax form; FDA warns about pricey blood transfusion company; The obesity rate is declining amongst American children. Learn more about your ad choices. Visit megaphone.fm/adchoices
CVS is launching new "health hubs" in multiple cities which could change the way we folks receive healthcare; Wells Fargo is under fire again for having cheated their auto loan customers by signing them up for insurance that they didn't request; Fall travel deals are looking GOOD! Learn more about your ad choices. Visit megaphone.fm/adchoices
What do you do if you own a car that is no longer being manufactured?; USB charging ports, especially in high traffic areas like airports, pose a new threat to your phone and personal information; How can you find a good side hustle? There's a new site to help you with that. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dash cams are cheap insurance. They can provide invaluable evidence in the case of an accident; Clark talks about how you get compensated by airlines in the event of delay; Personal finance education is coming to Ivy League schools like Harvard. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some folks in San Francisco are living on boats. Others are making difficult choices about where to live in certain expensive housing markets; Prisons have profited off of prisoner phone calls for too long. Some states and municipalities are starting to make it easier and cheaper for prisoners to stay in touch with their loved ones. Learn more about your ad choices. Visit megaphone.fm/adchoices
How should you go about financing a car purchase - especially in this current interest rate environment?; Navigating the world of job hunting can be difficult, especially as you get further along in your career. Clark has some advice to consider. Learn more about your ad choices. Visit megaphone.fm/adchoices
3D printing replacement car parts is becoming a more common thing - and could lower the cost of car repairs in the future; Fake kidnapping scams are becoming more common. Clark tells you what to look out for. Learn more about your ad choices. Visit megaphone.fm/adchoices
You have to know where to go to complain when you have issues with a credit bureau; Brick and mortar stores are tracking you while you are shopping. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon doesn't like people saying that its review system harbors many spam reviews. Clark tells you how to discern the review system as you shop; Backseats aren't as safe as they used to be. And your child might actually be safer in many front passenger seats. Learn more about your ad choices. Visit megaphone.fm/adchoices
Blue collar workers receiving better perks on many job sites these days; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Non-compete clauses are really bad - yet they are still pervasive; SO many Americans are running a monthly credit card balance. That's not good!; 3-d printing is having wide-ranging impacts in the field of medicine. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how you too can become a 401k millionaire - and why a Roth 401k might be your best bet on the way; Watch out for crypto scams that are proliferating; Carry on bag rules are a nuisance. Clark tells you how to save money and get around most of them. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the Consumer Reports car buying service and whether or not you should check it out; Watch out for social security imposter scams; Debit cards are a major risk for college students. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some apartment complexes are now lending money to young folks that can't afford rent; Some hospitals are billing insurance companies a LOT more than Medicare; Clark talks about new fintech tools that can help you keep up with what is actually going on with your elderly parents. Learn more about your ad choices. Visit megaphone.fm/adchoices
From Clark: "I get so many investing questions that I wanted to created a special episode where we can drill down to your specific questions about investing. That's why we created this special episode." Learn more about your ad choices. Visit megaphone.fm/adchoices
Smart speakers seem to be losing some of their appeal to Americans - and this might be because of the privacy concerns associated with them. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks with David Lazarus of the LA Times about a bogus credit card fee that Citi has been charging one customer for YEARS; Privacy policies are too long and too hard to read. That needs to end; Watch out for companies trying to sell you non-compliant health insurance plans Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses what the new Facebook backed cryptocurrency means to consumers; Because of the astronomical prices of Insulin in the states, many are turning to Canada for their Insulin needs; Will the climate initiative rollbacks have negative consequences? Unlikely. Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover is eliminating all banking fees. Woo hoo!; Watch out for this Google Calendar scam. Clark discusses how you can change your settings to make it harder to get scammed; Walmart has just launched really inexpensive grocery delivery. Learn more about your ad choices. Visit megaphone.fm/adchoices
Criminals are taking over your phone and stealing your information and money. Clark tells you what to do about this major new crime; Drug manufacturers are upset about the new up-front pricing rule; Car safety features are improving at a rapid clip. Learn more about your ad choices. Visit megaphone.fm/adchoices
Booking.com is attempting to crack down on resort fees that have run amok. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Samsung is releasing a line of great phones at a price point that is incredibly affordable; There are many reasons to beware of timeshare exit companies; Reverse mortgages are not good. Clark tells you just how bad they can be. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dollar Tree is having to raise prices in some of its stores because of tariffs; Beware when using the Zelle app because scams are proliferating which can use your Zelle login to raid your bank account; Facial recognition is growing in popularity - especially in China. But there are some massive privacy concerns happening here in the United States when it comes to using facial recognition. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon is offering a secured credit card for its customers that don't have great credit; Burger King was selling Impossible Burgers in NY even though they hadn't launched Impossible Burgers in NY yet; Gas prices are dipping and have gone below the $2 threshold in the lowest cost states. Learn more about your ad choices. Visit megaphone.fm/adchoices
The FCC has just made it easier for the major cell phone companies to curb robocalling; The private data of millions of Americans were just made public through a data breach; The SEC has just voted to allow misleading labels for brokers. Clark is not a fan. Learn more about your ad choices. Visit megaphone.fm/adchoices
What should you do about uninsured motorist coverage? Should you have more? Clark discusses; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Reverse mortgages are incredibly costly and are a poor choice for almost everyone; Teen credit card use is way up. That's not good; A basic blood test can cost $11 or $1000 depending on where you go. That's insane. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's a charter school in a poor Philadelphia neighborhood that is changing the way personal finance is taught to youngsters; Wells Fargo employs a much higher swath of shady brokers than other companies do; Exercise is actually one of the highest predictors of happiness Learn more about your ad choices. Visit megaphone.fm/adchoices
There are some new stats out on where the best jobs are; Watch out for this police donation scam. Your money doesn't actually go to help officers; Bad debts are increasing and many Americans are increasing their levels of credit card indebtedness. Learn more about your ad choices. Visit megaphone.fm/adchoices
Prices are now in constant flux. Clark discusses how to shop online in light of this new reality; Debt settlement firms promise a lot but deliver very little; Funerals are changing. Many are changing the focus to celebrations of life. Learn more about your ad choices. Visit megaphone.fm/adchoices
A Tesla is actually cheaper to own than a Camry when you consider the total cost of ownership; Cable and satellite companies are losing lots of subscribers. Streaming for the win! Learn more about your ad choices. Visit megaphone.fm/adchoices
Arizona is making it easier for people that move there to start a business in the state. Clark says that other states should follow suit; Are you actually covered by rental car insurance? Are there other ways to get insurance on a rental vehicle more inexpensively? Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Small businesses are at high risk for ransomware attacks. Clark discusses the importance of protecting your small business on the digital front; How you can move forward after getting laid off? There are different paths you can take to succeed. Learn more about your ad choices. Visit megaphone.fm/adchoices
Lots of people are putting premium gas in their tank even though their car doesn't require it. Don't waste your money!; Very few college graduates can answer just a few basic questions about personal finance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Cruise ship companies and airlines are starting to use facial recognition to speed up boarding in an attempt to provide better customer service. There are also privacy concerns; Annuities are bad. Really bad. Almost always. Learn more about your ad choices. Visit megaphone.fm/adchoices
Student loan borrowing rates have declined. Good news for college students borrowing money for next school year!; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
A school cafeteria worker was fired for giving away lunch to a child without money; Watch out for this new Airbnb scam. Clark has thoughts for you about storing your credit card info online; Where should you put your savings as interest rates might be falling in the near future? Learn more about your ad choices. Visit megaphone.fm/adchoices
Europe has placed certain demands on Boeing before the Max can return to the skies; The city of Baltimore suffered a cyberattack. Clark discusses how cities and companies can protect themselves; Retail is hurting right now, partly because of the Chinese tariffs Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates are dropping. This is great if you are buying and many should consider a refinance; The FDA gives a warning on dietary supplements to watch out for; The SAT has a new adversity score. Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the high cost of long-term care insurance; Some of the most expensive brands seem to be doing well right now. Clark tells you how to avoid buying the expensive name brands; One-day shipping is coming from some of the biggest retailers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Teens are buying burner phones to stay connected after their primary phones have been taken by their parents; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark gives a positive update on the current state of his prostate cancer; New Yorkers are upset about sneaky credit surcharges landing on their final bill at NY establishments; Soda taxes are causing folks in Philadelphia to drink less sugary soft drinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
What's App was hacked and older versions of Windows have a major bug. You need to run and update ASAP if you use either; Apple is kicking apps off of its app store because they are competitive threats to proprietary apps that it has launched; Clark discusses what specific goods will cost more because of the increased tariffs on goods from China. Learn more about your ad choices. Visit megaphone.fm/adchoices
It's national Bike to work week. And electric bike sales are surging; Alexa is spying on your and your kids if you have an Echo device in your home; Travel bookings are lagging and that can often be a predictor of a possible recession. Learn more about your ad choices. Visit megaphone.fm/adchoices
The stock market did not have a great day thanks to uncertainty in the market based on trade relations. Clark gives his take; The CEO of Chobani wrote a large check to a school district in Rhode Island that was penalizing kids for not having paid for their school lunches; A Supreme Court ruling means that consumers can now sue Apple for its app store practices. Learn more about your ad choices. Visit megaphone.fm/adchoices
As automobiles become increasingly autonomous, the nature of car insurance is changing too. Tesla is at the forefront of this change; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google is making some changes to give you more control over your privacy when using the Chrome browser; Clark talks with David Lazarus of the LA Times about the potential for airlines to adopt standing seating arrangements. Learn more about your ad choices. Visit megaphone.fm/adchoices
The CFPB has proposed new debt collection rules that are really, really bad for consumers; Watch out when using Paypal and Venmo because scammers are finding more ways to get access to your money via those apps; Arizona is making it easier for folks that move there to find work without government overreach. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon is switching to one-day Prime shipping and Walmart is fighting back; Beware of the one ring phone scam; Sinemia went bust - here's how to keep watching unlimited movies Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the newest T-Mobile checking account that offers a 4% interest rate and also mentions some of the other best places to park your cash right now; Boeing is in big trouble for not revealing known airplane issues; Uber & Lyft drivers plan to strike this week. Here's what you need to know. Learn more about your ad choices. Visit megaphone.fm/adchoices
Travel insurance can be confusing. Clark talks about where to shop for travel insurance and how to know if you need it or not; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Kroger is lowering prices at its stores across the country. And they are doing better at grocery delivery too; Beware of this Medicare knee brace scam preying on the elderly; Big banks are writing fewer mortgages. And that's good for consumers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Getting a mortgage is getting easier for self-employed folks; Clark warns against using apps that will advance you cash before your paycheck comes in; Robot baristas are making their way into high-traffic areas like airports Learn more about your ad choices. Visit megaphone.fm/adchoices
Is it a good idea to let auto insurance companies track your driving?; The FDA has made a statement about Canadian drugs. Clark has some thoughts; Congestion pricing could be one of the best ideas to curb traffic at peak driving hours. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the best medical devices to consider - and which ones are priced the best; Some researchers have scraped photos without individual consent; Marie Kondo has started a revolution. How do you get rid of your stuff in a money smart way? Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark used to smoke two packs of cigarettes a day. And he gives his thoughts on how to quit; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Housing is one of the biggest line items in your budget. But if you want to build wealth, keep that in check; The FCC has levied major fines against robocallers. But they haven't collected much; Unless you live in New Hampshire, you don't actually own your own medical records. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about a cool new airfare deal website called Great Escape; Office Depot was fined $35 million by the FTC and post virus scam scan; Biometrics in the workplace is becoming a bit of a problem. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hotels aren't doing so hot. Clark tells you what this means when you travel; An online car sale scam was busted; Smaller homes are en vogue. Clark discusses this trend. Learn more about your ad choices. Visit megaphone.fm/adchoices
Which home improvements make sense in order to maximize your money?; A ponzi scheme was busted in Florida and ordered to pay over a billion dollars in fines; How can you cut the costs of your dental care? Learn more about your ad choices. Visit megaphone.fm/adchoices
You should take all of your vacation time. And some companies are actually giving bonuses for employees to actually put their phones and email away while they are on vacation; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google has artificial intelligence that is helping law enforcement officials solve crimes based on location and phone activity; Fisher-Price is recalling Rock n Play sleepers; CVS is making huge investments towards lowering healthcare costs by incentivizing wellness. Learn more about your ad choices. Visit megaphone.fm/adchoices
It turns out that some of the best interior paint (according to reviews) is actually the cheapest; Watch out for law enforcement spoofing. It's a growing menace; Timeshare are SO bad. Learn more about your ad choices. Visit megaphone.fm/adchoices
AT&T is rolling out 5G in more cities. Clark tells you what you need to know as 5G becomes more and more commonplace; Add-on services are where car dealerships make most of their profits. Learn more about your ad choices. Visit megaphone.fm/adchoices
The EU is working towards all new cars being able to obey speed limits regardless of the driver by 2022; A new website allows you to shop for mortgage rates without being inundated with phone calls from sales people. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about which airlines are currently rated the highest and how you can fix customer service issues when they come up; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Greeting cards are becoming less popular in general. And Clark talks about where to shop in order to get a deal; Counterfeit goods being sold online is becoming more and more of a problem; Trust scores attributed to individual consumers are becoming a thing. But you don't have access to that score. Learn more about your ad choices. Visit megaphone.fm/adchoices
Walmart has some fascinating robots that scrub floors and stock shelves; Don't forget to file your taxes! And the IRS has free filing options you should check out; Clark gives a round-up of cheap flights and some of the best consumer deals around today. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Rock n' play sleeper has led to the deaths of ten infants. Be careful; Private placements and exorbitant returns are a clue that an investing scheme is likely too good to be true; Watch out when shopping for healthcare sites that aren't Healthcare.gov. Learn more about your ad choices. Visit megaphone.fm/adchoices
Real ID is being implemented next year. Clark tells you what you need to know; An awful case of elder insurance fraud just happened in Maryland; Why credit card protections are so much better than debit card protections. And pre-paid cards have just been granted new important consumer protections. Learn more about your ad choices. Visit megaphone.fm/adchoices
Americans eschew certain healthcare procedures to cut costs and are often borrowing from others to pay for healthcare needs; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card balances and interest rates have ballooned in the past five years; Watch out for this new (and tricky) cell phone scam; Burger King is testing out the tasty vegetarian Impossible Burgers in St. Louis. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark says that there is a message for businesses in the aftermath of airline software failing this week; GA Tech had a data breach involving over a million former and current students; Clark gives thoughts on how to stay safe when using a ride sharing service. Learn more about your ad choices. Visit megaphone.fm/adchoices
Schwab's new Netflixesque pricing for financial advice will be a game changer for some investors; A lawsuit against one bottled water company alleges false advertising; Manhattan has a new car congestion tax coming. Clark gives his thoughts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses which companies have the best customer service across all sectors; Health insurers might be buying up data on you to know your health risks more fully; Clark talks about what parts of the country scams are most likely to occur in. Learn more about your ad choices. Visit megaphone.fm/adchoices
A new study details the benefits that employees really want from their employers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Adults with kids are having to delay quitting work because they are putting more of their money towards the kiddos than to their retirement accounts; Financial infidelity is a real problem. Don't hide accounts from your spouse; We're getting into home selling season. Clark tells you how to sell your home for max money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Venmo is taking money from user's PayPal accounts and calling debt collectors when they run a negative balance; Here's how to avoid losing big money in puppy scams; Two-factor authentication will help you protect your social media and email accounts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Recession changes are being hotly debated right now. Clark gives his thoughts; Facebook left user passwords exposed. Yet another misstep by the social media giant; Organic foods are blowing up. And the costs are going down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates have been doing down. Some mortgage providers are offering 30-year mortgages in the upper 3% range now!; Clark isn't happy about airlines treating minors badly and separating them from their families; Upping the gas tax has bipartisan support in Washington DC - a rarity these days. Learn more about your ad choices. Visit megaphone.fm/adchoices
Free tax preparation services might be offering you that free service in exchange for your data; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
The NY Mets have created a subscription service to attend baseball games. An app called InWeGo also allows for a lot of entertainment options at a low monthly subscription price; Expensive 403b plans are terrible for teachers; Apple is releasing a credit card with Goldman Sachs this Spring Learn more about your ad choices. Visit megaphone.fm/adchoices
You can watch the NCAA tournament for free. Also, video games will soon be cheaper and less tied to specific gaming systems; Manufacturing is coming back to the US thanks to robotics and changes in globalization trends. Learn more about your ad choices. Visit megaphone.fm/adchoices
What happens to your digital life after you pass away? Clark has advice to help you make it easier on your loved ones; Virtual kidnapping scams are targeting high-income earners in elite zip codes; The IRS is doing a better job cracking down on tax fraud. But it can make it more difficult for taxpayers to prove their identity in order to receive their own refund. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most Americans have trouble saving for retirement. And savings rates don't tend to increase very much as people get older; Watch out for this direct-sold 529 plan laden with high fees; Millennials are starting to buy homes! Learn more about your ad choices. Visit megaphone.fm/adchoices
Former "Money answer man" Jordan Goodman was running a ponzi scheme and massively profiting from his shady relationships; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Zebit sells electronics items to people with low credit scores. Clark made some comments earlier this week and now has the Zebit CFO on to respond to his comments; Fee-laden target retirement funds have been targeted by the SEC; A huge percentage of folks that decide to renovate a home feel that they were scammed in the process Learn more about your ad choices. Visit megaphone.fm/adchoices
The college bribery scandal is a sad thing to see happen. The college you go to can be helpful - but it isn't the end all be all; Dollar Tree is likely raising prices - in large part because of the rising costs due to tariffs; The US finally made the right call to ground Boeing Max planes Learn more about your ad choices. Visit megaphone.fm/adchoices
Zebit claims to offer people with no credit interest free purchases. But the devil is in the details; Wells Fargo's company culture remains unchanged despite its claims; Some municipalities continue to battle Airbnb. Here's what you need to know as a potential guest. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the terrible Boeing jet crashes - and what effects this might have for air travelers; Three colleges recently had data breaches. And now students are being blackmailed; Clark loves daylight savings time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the best ways to sell, donate, or recycle used goods; A privacy battle is brewing when it comes to home security cameras - especially doorbells. Should law enforcement have a right to the video on your device? Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark gives a primer on how and when to buy travel insurance; Deactivating Facebook makes you happier - and puts a lot of time back in your life Learn more about your ad choices. Visit megaphone.fm/adchoices
One couple sued State Farm over slashing benefits. Make sure you pay close attention to your coverage limits; Smart sales are in decline. Clark discusses why. Learn more about your ad choices. Visit megaphone.fm/adchoices
Petal Card is a great new credit card for people that have poor credit; Colleges are collecting data on students without their knowledge. Learn more about your ad choices. Visit megaphone.fm/adchoices
Lower monthly housing costs are a boon to your budget and a big predictor of how much money you'll be able to save and invest; Flight attendants on some airlines are working for tips now. Clark is not in favor of this policy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark tells you which cars end up staying on the road longer. It might be worth considering one of these in the future; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about the best places to land for retirees. Spend less on living expenses when you aren't working anymore!; Help your elderly friends and family avoid the grandparent scam; Which cell phone companies have the happiest customers? Clark shares that info. Learn more about your ad choices. Visit megaphone.fm/adchoices
Virtual credit card numbers are becoming more rampant. Capital One offers them to its credit card users and its helps in preventing massive amounts of fraud; Watch out for this Netflix email scam floating around; Social media makes us spend more. So stay off it or watch your impulses! Learn more about your ad choices. Visit megaphone.fm/adchoices
New cell phones are coming. Foldable screens are coming soon, but with a hefty price tag attached; 3 individuals eligible for PSLF won a fight against the Department of Education in a court of law; Zestimates are gaining accuracy but Clark tells you why they still are far from perfect. Learn more about your ad choices. Visit megaphone.fm/adchoices
Facebook has stepped in it again. Apps were giving Facebook loads of data about you including some really personal stuff; Incredibly sad and disturbing news - Vets are committing suicide in VA hospital parking decks as a protest to how poor the VA service has gotten; Lufthansa has sued a passenger for getting off the plane before finishing their reservation. Clark is in favor of using skiplagging services to save on your flights! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark was diagnosed with prostate cancer over 10 years ago. And he is working with the Prostate Cancer Foundation to raise awareness. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card fees from Visa and Mastercard are going up. Small businesses and consumers will bear the brunt; The FDA has issued a warning about supplements touting miraculous cures for Alzheimer's disease; A new Clark.com article details how you can make your home WiFi network safe. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hundreds of ETF's have just been made fee-free by some of the discount brokerage companies; Beware when you give your social security number to your medical service provider; Artificial intelligence will change how we get from place to place but it is also going to change the way we get auto insurance. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's been a big stink about Americans getting smaller tax refunds. But what's the real explanation?; Beware of social security impostor scams; Clark talks with Charis, the head of Clarkdeals.com, to discuss the best deals happening today Learn more about your ad choices. Visit megaphone.fm/adchoices
Car repossessions are becoming a bigger problem; A widow with MS has been denied her husband's pension based on one form that can't be tracked down; Amazon will no longer be erecting a second HQ in NYC. Learn more about your ad choices. Visit megaphone.fm/adchoices
Smart appliances could be invading your privacy thanks to lax standards from the manufacturers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Companies have brought back the subscription model in full force. Is that good for your pocketbook?; Auto insurance shopping can save you lots of money. But how do you go about it?; Going to college can make you a lot more money over your working lifetime. But the costs of college can also create massive risk in your life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Risky home loans are back. Avoid them at all costs; Incentives lead brokers to steer you towards pricier investment options; Clark talks with David Lazarus of the LA Times about why eyeglasses are so expensive. Learn more about your ad choices. Visit megaphone.fm/adchoices
How can you do Valentine's Day well without spending too much? Clark tells you; Negative online reviews are annoying. But what if they come from a business competitor?; More and more parents are putting a cap on what they will pay for their child's college education. This is a good thing. Learn more about your ad choices. Visit megaphone.fm/adchoices
Lemon laws are different in every state. But new ratings are out detailing which states have the best ones; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark gives you practical info for how to safeguard your electronic devices while traveling; The CFPB is back tracking on rules for payday lending standards; Paid leave is a hotly debated topic in this country. Clark talks about a few employers doing things differently and weighs in on how he thinks we should change pay leave policy in America. Learn more about your ad choices. Visit megaphone.fm/adchoices
Worries about the short-term economic future of the USA are being felt acutely by American small businesses; The department of education has erroneously converted teacher grants into loans. But there's a potential fix for affected teachers; Walmart's new sick/PTO policy is good for its workers Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses some of the current best streaming options - including a free on for local TV; One company was just sued over misleading packaging. Clark tells you what to look out for; Many suffered home and vehicle damage because of the recent polar vortex. But should you file an insurance claim? Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks to his daughter Rebecca about how they were able to cut wedding costs (and pay down their debt at the same time). Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon is testing delivery via robots; A car mechanic saved a woman thanks to his extensive knowledge of the television show The Office; The claims that a potential recession is imminent are growing. Clark tells you how to prepare your personal finances for this possibility. Learn more about your ad choices. Visit megaphone.fm/adchoices
A 14 year-old kid found a privacy flaw in Apple's Face time app; AT&T employees are being told to make it difficult for customers to cancel their TV packages; Clark talks about the pros and cons of purchasing pet insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgages are finally transitioning into the digital age; Facebook took money from underage kids for online gaming. And they did it while knowing exactly what they were up to; If you get hybrid training you will make more money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Wave Week is in full swing and the cruise deals are best to buy now through March; Verizon made a Clarkrage recently. Thankfully the massive company has rethought their stance; Less than 1% of people that participate in an MLM make money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about how the new(ish) tax law will affect small business owners; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Some businesses aren't accepting cash anymore. Others are charging you more for using credit cards. What should a smart consumer do?; Wells Fargo has been fined yet again. Clark explains; Clark talks with David Lazarus about a story he wrote where one credit card company refused to honor a death policy that they sold. Learn more about your ad choices. Visit megaphone.fm/adchoices
Student loans have prevented many young people from purchasing a home they otherwise would have; Watch out for scam artists trying to steal your funds when you wire for a home closing; New evidence about whether or not extended car warranties are worth it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Digital drivers licenses are coming. Many privacy advocates are nervous about this but this could be a great thing as well; Mastercard has just done something incredibly human. They won't let you be billed after a free trial without your express permission; Personal finance classes are slowly but surely becoming a real thing in some states! Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark tells you how to stop apps from tracking your location; This segment is fun. Take a trip down memory lane to see what consumer issues used to haunt people but no longer hold any relevance. We're looking at you, Blockbuster late fees! Learn more about your ad choices. Visit megaphone.fm/adchoices
Paying bills could now have a direct positive impact on your credit score thanks to Experian; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
New homes and office buildings are set to use ZERO energy. How cool is that!?; Metlife fined for not paying out pensions to workers; Clark talks with the Brad and Jonathan from the ChooseFI podcast about pursuing financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices
This Netflix price hike has a lot of people freaking out. Clark discusses; Verizon just massively increased the price on a service that helps school aged children. Not cool!; And one young congresswoman has proposed a 70% tax bracket. Clark talks about why that isn't a good idea even though it is popular with a majority of Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hospitals are now posting prices but it doesn't look like it will actually help consumers right now; Car theft is on the rise mostly because drivers are leaving their key fobs in their cars; Contactless credit cards are coming to your mailbox this year in droves. Learn more about your ad choices. Visit megaphone.fm/adchoices
Be careful about signing up for different websites and offerings with your social media credentials; AT&T is going to stop selling the location of its customers. Clark is not happy at all that this was going on in the first place; The government shutdown has had wide ranging effects. Learn more about your ad choices. Visit megaphone.fm/adchoices
Computer home appraisals might be coming soon. Clark and Producer Joel discuss the pros and cons of this potential change; TikTok is surging in use among kids. Clark tells you what to watch out for if your kids are using this app. Learn more about your ad choices. Visit megaphone.fm/adchoices
Job interviews are beginning via text message oftentimes now. It's a significant shift and Clark tells you what to be aware of when applying for a job now; Your bank balance can be found by criminals. Clark tells you how they are doing it; Cash refinances are on the rise even as rates are ticking upwards. Learn more about your ad choices. Visit megaphone.fm/adchoices
LIVE from CES: Clark discusses keyless door locks, smartphone developments, eliminating porch pirates, medical devices and more! Learn more about your ad choices. Visit megaphone.fm/adchoices
LIVE from CES: Clark discusses self-driving cars, delivery robots, healthcare advancements, and more! Learn more about your ad choices. Visit megaphone.fm/adchoices
Want to own investment property at some point? This podcast episode is a good place to start; Watch out for this fake healthcare scam making the rounds; Did you know that you can actually save for your child's college before they are born? Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Distracted driving is becoming more of an issue all over this country; This app could get your e-book in front of thousands of readers. Some authors have put their books on Watt and found publishing deals because of it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Watch out for sponsored posts from people with an incredibly small social media following; Have prices at Whole Foods gone down since Amazon bought the giant grocery retailer? Clark dives into the price difference now between Aldi and Whole Foods. Learn more about your ad choices. Visit megaphone.fm/adchoices
Fintech companies have brought back the installment loan. Watch out; Clark talks about what industries have the best customer service. Some will surprise you. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google Fi allows you to use iPhones now along with a whole slew of Android phones; Fewer people are getting raises. And more and more Americans are in favor of a higher minimum wage. Learn more about your ad choices. Visit megaphone.fm/adchoices
As foster care kids reach adulthood, difficulties mount; A warning to small business owners about expired URL's and how they can be commandeered; Leasing a car is getting even more costly than it has been. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark tells you what to do in the case your flight is cancelled; Credit card annual fees are often said to be bad. But sometimes they can be worth it. Clark tells you how to judge whether a card with an annual fee is worth it for you or not. Learn more about your ad choices. Visit megaphone.fm/adchoices
Carmax is taking a page out of Carvana's book and is now offering a 7 day return period on some car purchases; Walmart is paying for airfare and hotel stays for surgery in order to cut its healthcare costs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Should you friend your coworkers on social media?; How long do mistakes stay on your credit report? Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark tells his story about how he retired at 31 and why he continues to teach personal finance to millions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Why shopping for your financing is the most important step when you are considering buying a home; IRS imposter scams are making the rounds. Beware!; The middle class is shrinking according to statistics. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark interviews Sabrina from WorkingMom.com about how she made massive changes in order to be able to pay cash for college for her kids; Resort fees are popping up more and more and they are often being charged at everyday hotels that aren't resorts; Should you own or rent stuff? That question often gets asked about home ownership, but rarely about the things that you use. Learn more about your ad choices. Visit megaphone.fm/adchoices
Money problems can often lead to health issues. That's mostly because of the impact that stress has on us; One couple stole $12 million dollars from others through a faith fraud scam; Deleting old accounts is very important and can save you from potential identity theft. Learn more about your ad choices. Visit megaphone.fm/adchoices
Remote patient monitoring is getting better and could save money on medical costs; Watch out for this voice phishing scam!; Could you cut your home internet cord? Turns out there's a solution that you could be overlooking to help you do just that. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Minneapolis just changed their single family zoning laws. Clark talks about the major impact that zoning laws have on municipalities. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about which insurers you should consider doing business with; Watch out for this new fake email shipping scam; ABLE accounts have had some changes recently. And those have made the accounts for the disable much more valuable. Learn more about your ad choices. Visit megaphone.fm/adchoices
Which brands and models are the cheapest to repair? Clark fills you in; A new report about the Equifax breach sheds light on the myriad mistakes they made that exposed the data of tens of millions of Americans; What stores offer the best and worst return policies is something you need to keep in mind while doing your Christmas shopping. Learn more about your ad choices. Visit megaphone.fm/adchoices
Smartphones aren't getting much smarter these days. So Clark tells you how to avoid the hype and avenues to pay less on your cell phone hardware; Gift cards aren't the best gift. But you can make it a decent gift with a couple smart strategies; A few for-profit colleges went bust today. It's important for students to apply for student loan cancellation. Learn more about your ad choices. Visit megaphone.fm/adchoices
Obamacare open enrollment ends this Saturday. Plus Clark talks about Fidelity's new HSA offering!; It's Green Monday and there are some great deals out there; How much is your data worth? Clark tells you the info that identity thieves will pay a lot for...and how to protect yourself. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark shares a long list of free gifts that will mean a lot to kids at Christmas time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Watch out when sending money via apps. Especially, check your privacy settings on your Venmo app; Doctors are losing their license in one state and practicing in another...and another; Waymo is making some major inroads in the self-driving game. Learn more about your ad choices. Visit megaphone.fm/adchoices
We're close to the end of the year. Clark talks about where to find the best deals on cars both used and new; Marriott is not doing the right thing for their customers post breach; Clark talks with deals editor Charis about the best deals today. Learn more about your ad choices. Visit megaphone.fm/adchoices
A way to gift 529 money is here!; Falling asleep while drunk in a Tesla? Yep, it happened; Subprime auto loans are on the rise. That's not good. Learn more about your ad choices. Visit megaphone.fm/adchoices
Marriott just had a severe breach. Clark tells you what to watch out for in the coming weeks in light of this breach; Payless' new ad campaign was pretty incredible and reinforced how label-conscious our society can be at times. Don't buy the hype!; Delta just launched the first biometric airport terminal. It is already making things more efficient. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Video doorbells are all the rage right now. Millions are being sold every year in America. And one of the major benefits is that they are helping local police departments catch criminals. Learn more about your ad choices. Visit megaphone.fm/adchoices
The man that invented the 401k is speaking out 40 years later. And many of the changes he would make to the now popular retirement plan are similar to the ones Clark has been touting for years; Watch out for this Amazon e-mail scam flooding inboxes post a recent breach of some Amazon accounts; Many customer service chat folks can now see what you are typing while you are typing it. Creepy. Learn more about your ad choices. Visit megaphone.fm/adchoices
The housing market is slowing down - even in the hottest markets; Scam enterprises are plentiful operating out of New York trying to get small businesses to sign up for loans with terrible terms; Who and how should you tip this Holiday season? Clark discusses...and there are some tipping suggestions that deserve to be mocked just a little bit! Learn more about your ad choices. Visit megaphone.fm/adchoices
Should you be buying a real or an artificial Christmas tree? Clark goes through the pros and cons to the environment and to your wallet; Social security wait times are outrageous; Vanguard has cut the minimum amount for you to be able to invest in its lower fee Admiral funds. Great news! Learn more about your ad choices. Visit megaphone.fm/adchoices
Black Friday is over and Cyber Monday is here. Clark talks about shopping for deals and how travel deals are likely to be the star tomorrow; Bitcoin is crashing. It's still a speculative buy and not worth purchasing now; GM announced plant closures and layoffs today. This directly impacts how much you'll pay for a new car now and in the future. Learn more about your ad choices. Visit megaphone.fm/adchoices
Relocating can have a major impact on your salary; Feel like you are throwing away money every month on PMI? Clark gives you all the details about PMI and avenues to get rid of it so you can keep that money in your pocket. Learn more about your ad choices. Visit megaphone.fm/adchoices
How much does it really cost to raise a child? Clark gets into it; If you are a fan of seeing movies but spending a whole let less money doing so, check out these Moviepass alternatives. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some companies are using their own customers to provide customer service to patrons in need of help; Refinancing your car loan has no up front costs and can save you lots of money in interest payments. Learn more about your ad choices. Visit megaphone.fm/adchoices
Home prices have stalled out in many markets. Good news for first-time home buyers!; Watch out for these junk fees when traveling. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Americans are going to fewer fast food restaurants. Clark discusses why that is the case. Learn more about your ad choices. Visit megaphone.fm/adchoices
Vanguard dropped in the ACSI ratings due to worse customer service. Clark runs through other results from the recent customer satisfaction survey; Juul has announced that it will no longer sell flavors of liquid for its e cigarettes. That is good news for parents; Amazon has a new DVR for cord cutters that is worthy of your consideration. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon announced its HQ2 cities. And the biggest downside is the corporate welfare culture; The VA has been the subject of a few Clarkrages. Here is another important update on what is happening in VA nursing home facilities; Banks are working with DMV's across the country to better identify their customers. Learn more about your ad choices. Visit megaphone.fm/adchoices
The average used car now costs more than $20k!; USPS mail preview is giving fraudsters a leg up on us; 3D printing glasses is the future of allowing customization. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google and Facebook are ending arbitration clauses for sexual harassment claims; How to protect yourself from more advanced skimmers that aim to steal your payment information. They are widely used at gas pumps now; Home sizes are shrinking. There are lots of benefits to that shift. Also, homeless vets are benefiting as tiny homes in certain locations are offering places for them to rest their head as they seek to get back on their feet. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark talks about the importance of Veterans Day and discusses his own service Learn more about your ad choices. Visit megaphone.fm/adchoices
The limits for what you can contribute to a 401k, 457b, or an IRA are increasing in 2019; CVS receipts are SO incredibly long; Your customer service score could determine whether you get decent customer service from a retailer or not. Learn more about your ad choices. Visit megaphone.fm/adchoices
Make sure to get recalls on your car fixed in a timely manner; Your Facebook info - including actual messages you have sent through the service - could be for sale online after the Facebook breach; Wireless mesh routers can help your home WiFi in a big way. And these systems are going down in price as well. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some of the discount international airlines are in financial trouble. This could lead to increasing airfare prices when traveling overseas; Sprint has a cell phone plan that could help you eliminate the need for at-home internet. Learn more about your ad choices. Visit megaphone.fm/adchoices
Open enrollment is upon us. Clark tells you how to tackle it in order to save the most and get the best coverage for your dollar; Gift card scams are proliferating. Watch out for a strange email from your boss...; Amazon is offering free shipping for all this Holiday season. Free shipping isn't just for Prime members anymore. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Gas prices are going down just in time for the Holidays. And the US is now #1 in getting oil out of the ground. Learn more about your ad choices. Visit megaphone.fm/adchoices
Marriott employees are striking. And this is not good for Marriott customers; Clark mentions an awesome deal on a flagship Android phone that's only available for a few days for T-Mobile customers; Robots are changing the way groceries are delivered. And major grocery companies are diving headlong into this...and spending lots of money to make headway. Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover, Capital One, and other credit card issuers are cancelling cards that haven't been used in a while. Clark talks about what this means for the broader economy and how you as an individual should handle your plastic; Screen addiction in youth is looking like a major problem. Wealthier and more educated communities are striving to ban screens for youth altogether - especially in schools. Learn more about your ad choices. Visit megaphone.fm/adchoices
Many employees are given supposedly anonymous surveys to take at work. But are they really kept anonymous and how should you approach them?; Clark is upset and housing issues that marine families face. This needs to be rectified!; Hotels are trying really, really hard to get you to book directly through their websites. But is that really the best option? Learn more about your ad choices. Visit megaphone.fm/adchoices
Petal Card allows consumers to get a credit card without going through a credit check; More people are dying from poorly timed selfies; Clark talks about how to get your resume in front of the decision makers in the digital age. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; The minimum wage law seems to be working well in Seattle. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit Karma is making it easier to know ahead of time whether you'll be approved for a credit application; Beware taking supplements. Many have harmful substances in them; Car sales are slowing down which is a sign of potential economic changes but could also net you a deal on a vehicle in the near future Learn more about your ad choices. Visit megaphone.fm/adchoices
With Toys R Us having gone bankrupt, Clark discusses how to approach toy shopping for Christmas; Mobile check depositing is a gift from above. But some folks are abusing this gift and new rules about how you can deposit mobile checks are coming to a banking app near you; Prescription drug companies might have to disclose their drug prices on TV ads in the near future. Learn more about your ad choices. Visit megaphone.fm/adchoices
The prices of brand name goods are going up and up. There's even more reason to shop for generic and store-brand items in this environment; YouMail created a survey and found that scam calls are proliferating. Clark tells you what to do about that; What zip code you live in can be a huge determinate in what you pay for car insurance. This fact makes it even more important to shop around for better insurance rates often. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark talks about his recent trip to the Big Apple and how things have changed there; More than 1/4 of Americans are earning 0% in their savings accounts. That's not good!; Non-compete clauses are awful for individuals and for our economy as a whole. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Kayak has a new app that can help you quickly and easily avoid baggage fees. Learn more about your ad choices. Visit megaphone.fm/adchoices
Banks are offering great deals to lure savers right now. Clark runs through a couple of the best ones you should consider; The Facebook breach was worse than we initially thought; In Mexico Beach, only one home survived the devastating hurricane. Clark discusses why and how we should move forward when building homes along the coast. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark refers to a Clark.com article about how kids can get free stuff for getting good marks at school; The tariff discussion continues. Next up on the chopping block are mattresses being shipped from China; Opening up a Roth or other investment account is a great idea. But don't forget to allocate the money inside of those accounts well to grow your wealth! Learn more about your ad choices. Visit megaphone.fm/adchoices
Hotels continue to fight Airbnb in many states and municipalities. But they seem to be losing; T Mobile has just launched a 3-year lease payoff for some smartphone purchases. It's crazy to pay for your cell phone over 3 years!; The true cost of college is actually declining slightly. That's the first time in a long time this has been the case. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sears filed for bankruptcy and will be closing a lot of stores. Clark tells you what you need to know if you have items on layaway or have a Sears credit card; United Airlines is threatening its customers that use skip lagging to get lower fares; Clark has updated the 529 plan guide and offers you the best advice on which states' 529 plans you should consider investing in for your child's education. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; The Waze carpool app is a game changer as it makes finding fellow commuters to share a ride with incredibly easy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Obamacare premiums are going down to the surprise of many. Also, a couple of new laws could make it easier for you to save on prescription drugs; Google's security breach was not handled well. Clark tells you to start using Duck Duck Go instead of Google's search tool; The stock market has had a tough couple of days. Clark gives his thoughts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Experian had a security flaw potentially exposing your credit freeze PIN number. Clark tells you how you should respond to this awful news; Some companies that are contracted to move military families are having major issues and it is hurting the men and women that serve our country. That's not ok; Mattress Firm is closing hundreds of stores. Online mattress companies are completely changing how we buy mattresses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark shares a personal story of a listener that paid off a massive amount of debt; Watch out for this new timeshare scam that only steals your money; Cyber attacks are on the rise and Clark talks about how banks are combating it. Learn more about your ad choices. Visit megaphone.fm/adchoices
New loyalty programs are bringing bigger perks to loyal shoppers; Men are forsaking college in bigger numbers; E SIM cards will make switching cell phone carriers much easier in the near future. Learn more about your ad choices. Visit megaphone.fm/adchoices
This is a special episode of the Clark Howard Show where Clark has a conversation about technology with his son, Grant. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Millennials are all about design and minimalism. That is definitely the case when it comes to the hotels they want to stay in. Learn more about your ad choices. Visit megaphone.fm/adchoices
Solar power is taking off in Puerto Rico post hurricane destruction; Ticketmaster has been accused of knowingly selling tickets to scalpers to increase its profit; Clark discusses the new changes in the cell phone plan marketplace. Shopping could save you big money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon is upping its base pay in the near future to $15 an hour and companies are falling all over themselves to hire you for holiday work; Moviepass is auto enrolling former members. Not cool; Suze Orman made some ill conceived arguments against the financial independence movement recently on the Afford Anything podcast. Clark gives his rebuttal. Learn more about your ad choices. Visit megaphone.fm/adchoices
Facebook's data breach affects more than 50 million people. Clark has some big takeaways for users of the popular social media site; Lawsuits are flying accusing many of the airlines and cruise companies of selling travel insurance that isn't very good at an extremely inflated price; New food tracking techniques could prevent you from being sold potentially harmful food. Learn more about your ad choices. Visit megaphone.fm/adchoices
Thawing your credit might not require PIN numbers anymore. And that's not good; Spam calls to your cell phone are becoming a pervasive problem; There are new online bank offerings that you should consider that pay more and offer more benefits and convenience. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Car dealerships have had a hard time keeping younger employees and keeping up with the times Learn more about your ad choices. Visit megaphone.fm/adchoices
Robots are changing the way you get food - and contributing to cost savings as well; The budget deficit is out of control; A complete guide to the best robo advisor offerings Learn more about your ad choices. Visit megaphone.fm/adchoices
Shopping malls and homes are being built with shipping containers. Shipping containers can potentially create more affordable housing in this country; Tuition insurance is a thing now. And not a good thing; Raises are tiny inside major companies right now. Clark talks about how to change the way you ask in order to actually get a bigger raise. Learn more about your ad choices. Visit megaphone.fm/adchoices
Google has a new USB security key and there are other companies selling these as well. They could save you from hackers; Merrill Lynch is scrapping its plan to be a fiduciary. Not cool; Products for aging baby boomers are, well, booming! Some of these products could be amazingly helpful for your aging parents. Learn more about your ad choices. Visit megaphone.fm/adchoices
There's a new driving app that helps your family drive more safely; Google is working to shut down customer support number scams; The FIRE movement is all about financial independence. Clark talks to producer Joel about the specifics of the movement and how it is gaining ground. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Credit freezes are free now as of today! Learn more about your ad choices. Visit megaphone.fm/adchoices
Google and T-Mobile have made it much easier to call 911 from your cell phone; Watch out for food fraud in your local grocery store and in nearby restaurants; There's a new great place to buy used cars. Learn more about your ad choices. Visit megaphone.fm/adchoices
Will the tariffs and trade war with China impact the holiday shopping season? Clark explains; Ancestry.com updated its ethnicity criteria and some people are reeling from it; One life insurance provider has introduced an incentive for policy holders to get or stay healthy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Watch out for this social security scam. Clark bring David Lazarus of the LA Times on to discuss; Amazon has a problem with employees taking bribes to delete bad reviews for certain products; You can avoid baggage fees a few specific ways. Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
How can you best help the victims devastated by Hurricane Florence? Clark tells you; A new proposal could allow teenagers to drive big rigs across the country. That's scary!; What happens to your personal information when you take an at-home DNA test...Clark tells you how to protect your information. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Banks are now offering the equivalent to payday loans...at much lower interest rates. Learn more about your ad choices. Visit megaphone.fm/adchoices
Verizon is launching in-home 5G in less than two months; United Airlines wants families to spend more to sit together on its airplanes. Clark takes the CEO to task; Big pharma price gouging continues yet there are ways for savvy consumers to save on prescription drugs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Can you believe it? Comcast is doing amazing things to reduce healthcare costs for their employees; Missouri passed a new law that crushes "fake" meat companies; Clark talks about how to prep for a hurricane as Florence approaches the eastern seaboard of the United States. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark reflects on 9/11 on the anniversary of the terrorist attacks; There's a good chance you'll pay more for Rx drugs when you use your insurance vs paying cash; How long should your home appliances last? Clark has info and some advice to go along with it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Debit card fraud can cost you as the consumer dearly; Non-compete salaries are awful for our country and suppress employee salaries; The real cost of car ownership is far more than you think it is. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; A millennial landlord of a triplex shares her horror story. Learn more about your ad choices. Visit megaphone.fm/adchoices
The new iPhone is just about to be released. Clark tells you how long you need to wait in order to get a deal on one; Video game makers are making video games more addictive for kids. And it's becoming a major problem; Clark talks about the pros of flood insurance and how to go about shopping for it. Learn more about your ad choices. Visit megaphone.fm/adchoices
The NFL is allowing you to stream local games on your smartphone for free this season; Illinois tried to crack down on P2P car sharing services like Turo; When and how to book Thanksgiving and holiday travel in order to save the most money. Learn more about your ad choices. Visit megaphone.fm/adchoices
New Medicare cards are arriving in mailboxes, but scammers are coming out of the woodwork at the same time; Have you seen this scam? Offers for free flights from Delta and other airlines are making their way around the internet...and they look insanely real; Net neutrality is making a comeback thanks to California - but this law could impact all Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Impossible burger is proof that meatless/vegetarian options have come a long, long way; The financial adviser crowd wants you to think that investing is hard. Clark discusses how to go it alone with confidence. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Walmart partners with Handy in order to offer inexpensive installation service for certain electronic purchases. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark's brother Gary comes on the show to dish the details of how he has been living like a nomad for the past two years. LOTS of actionable travel advice in this fun conversation!; Watch out for this car warranty scam showing up in mailboxes around the country; Google has launched a new Jobs for Veterans service that could go a long way in helping former and current military men and women find jobs that fit their specific skill set. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon is using Sears to do installation of tires that they sell. This could be good for both companies; Paying someone to quit your job for you? It's a thing. And Clark tells you why it's ridiculous; Having trouble saving for retirement? Well, now employers can contribute to your 401k even if you can't because of student loan debt. Learn more about your ad choices. Visit megaphone.fm/adchoices
Doorbell cameras are almost everywhere now. And they are great for being able to answer your door without actually opening it. But those doorbell cameras have also created some problems and Clark explains; As colleges go back in session there are a couple of major scams that you need to tell your college-age children or friends to be aware of; Personal loans are hot right now. But should you be taking one out? Learn more about your ad choices. Visit megaphone.fm/adchoices
Aretha Franklin, the queen of soul, recently died and left an $80 million fortune. But she didn't have a will. Clark talks about how and why you should create a will. You can also score 50% off on of the best will making software bundles right now on Nolo.com. Verizon left fire fighters in the lurch without data due to terrible customer service and throttling tactics. Chase is going to offer free stock market trades to its customers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Working too hard can be harmful to your health and to the actual work itself. Learn more about your ad choices. Visit megaphone.fm/adchoices
Vocational training is roaring back into some school districts and calls into question the seemingly common notion that college is valuable for everyone; Facebook met with major banks asking for your banking information. Really!?; SIM card hacking is one of the worst scams around right now. Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Certified pre-owned cars aren't all they are cracked up to be. Clark tells you what to watch out for any why you should be wary of dealerships selling CPO vehicles; A hacker ring with more than 15 million credit card has been busted up; Neighborhood grocery stores are popping up and serving consumers in ways the major grocery stores just aren't. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark brings LA Times columnist David Lazarus on the show to discuss how he thwarted potential scammers and followed the scam to its logical conclusion; Elon Musk is apparently working 120 hours a week. Working that much actually has harmful effects on your creative output; Fannie Mae and Freddie Mac have introduced new 3% down mortgages. There are pros and cons to these new offerings and Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
5G is coming to certain markets by the end of the year. Home internet prices are currently on the rise...but not for long. Clark discusses how 5G technology will create more competition in the home internet space and drive prices down over the long haul.; Clark recounts a story of one man taking the time to help his fellow man having a really difficult time.; Credit scores are going up for many Americans. Clark discusses why that is happening and how you can maximize your credit score. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Very few Tesla's get stolen. And if they do, 99% are recovered. Clark discusses why that is and offers tips on how to prevent your car from being stolen. Learn more about your ad choices. Visit megaphone.fm/adchoices
Solar power is starting to make more and more sense for everyday Americans as prices drop; A neighbor called the cops on a little girl selling cookies at the end of her driveway. That's Clarkrageous!; Vanguard predicts low returns in the market over the next decade. What should we do with that news? Clark gives you his take. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most Millennials spend more money eating out than they save for retirement. That's not good!; Auto-pay could be a disaster for your bank account. Clark tells you why to avoid it and how to pay your bills properly; Aldi is massively expanding their stores and their organic food selection. And their prices are still the best around. Learn more about your ad choices. Visit megaphone.fm/adchoices
A DNA breakthrough could mean 23andMe on steroids giving you access to information previously impossible to apprehend; The Consumer Financial Protection Bureau issues a $1 penalty to a payday loan scammer. That is Clarkrageous to the max; An internship for older Americans returning to the workforce? Yes! There is training help for you if you are returning to work after an extended absence. Learn more about your ad choices. Visit megaphone.fm/adchoices
The housing market has been incredibly strong for a long time now. But it is finally starting to cool off. Watch out for "vomit fraud" when you take an Uber or Lyft. Clark tells you how to avoid getting a $150 charge that isn't warranted. The CFPB is weakening oversight of potential violations of the Military Lending Act. Clark is not happy about it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. New study shows that ride-hailing services like Uber and Lyft are adding to traffic congestion in major metropolitan cities. Learn more about your ad choices. Visit megaphone.fm/adchoices
Whole Foods is now offering grocery pickup. Clark tells you opting for grocery pickup can actually save you money. Unregistered adviser charged with lending fraud. Many Americans are now withholding enough for taxes. Don't get caught off guard at tax time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mattress Firm is struggling and bankruptcy is looming as the online mattress sellers continue to grab customers; There are some awesome airfare deals you need to know about. Clark fills you in. CVS is launching a teledoc service where you can have a video call with a doctor about your medical issue at any time of day. Learn more about your ad choices. Visit megaphone.fm/adchoices
Cheaper health care plans are coming, but, they won't have as extensive coverage. Fake charities have sprung up attempting to raise money for military veterans. That is Clarkrageous and Clark tells you how to avoid donating to these scam charities. Brand name prices are rising faster than ever, but store brands have become much better through the years. So don't buy the expensive brand name stuff! Learn more about your ad choices. Visit megaphone.fm/adchoices
Fidelity has eliminated all commissions and fees on some of their funds. This is amazing for consumers. Clarkrage: AT&T has let loose a collection agencies on its own former employees. Clark tells you how you can save $1,000 a year by cutting your monthly bills. Learn more about your ad choices. Visit megaphone.fm/adchoices
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Clark gives advice on how to shop for health coverage if you reach financial independence and retire early. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Bambino app can help you find a trusted babysitter that has been verified by your friends. Clark discusses student loan scams you need to be aware of. The fast food industry had some pretty insidious non-compete tactics but they are fortunately on their way out. Learn more about your ad choices. Visit megaphone.fm/adchoices
AT&T is raising rates on many subscribers, but, it is also offering a new $15 skinny bundle streaming service. Many employees cash out their 401k plans when they leave their employer. Doing that leads to awful consequences. Car manufacturers are making dashboards that are incredibly distracting and could lead to more accidents. Learn more about your ad choices. Visit megaphone.fm/adchoices
What's the quickest way to make more money? Clark tells you how to maximize your earnings in this economy. Did you know that it is illegal to perform your own eye exam in many states? While apps have made it much easier, governments are making it a whole lot harder. Also, which fast food restaurants get the best ratings and which ones are at the bottom of the barrel? Clark fills you in. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apple is facing a lawsuit for a monopoly on apps in the iTunes store. In state after state power is still sold to you by monopoly power companies which has led to massive rate increases. Also, the average car isn't in use the vast majority of the time. Consider renting yours out on a site like Turo to make some money of your ride when you aren't using it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Students are taking on less student loan debt overall...but parents are taking on much larger debt loads Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Would Universal Basic Income work or is it Utopian madness?; Bad stockbrokers selling "private placements"; Current work from home opportunities and avoiding scams Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Home improvements that will lowers your insurance costs; An update on Bitcoin; The importance of taking a job in your industry after graduating college Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Tariffs could bring meat prices way down...for now; Leasing puppies is now a thing and it is terrible; Annuities are actually less bad than they used to be Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Christmas in July! Hiring for Holiday jobs is actually starting now; Wells Fargo refunding millions of customers it ripped off; Zillow Offers can help you sell your home Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Beware of sending checks in the mail because of this scam Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Variable pricing is extending to movie theaters; Bank and ATM fees are outrageous...and climbing; Could airplanes be self-flying like a Tesla soon? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What the 5 billion dollar Google fine means to you; MGM suing terror victims is Clarkrageous; A must-hear heartwarming story of generosity Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Prime Day deals go way beyond just what Amazon is offering; Two new scams you need to be aware of; Apps can remind you to get your kids out of a hot car Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Should you start an Amazon DPS company?; Watch out for massive "trauma activation" fees at your hospital; Republic Wireless has new walkie talkie device for kids that is awesome! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How to protect your car from thieves with a minor hack Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon wading into selling prescription drugs; The TSA wants to search your snacks; Vanguard eliminates almost all ETF commissions Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What to consider before starting an AirBnb; Paypal sends a clarkrageous letter to a customer; Ticketmaster data breach Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: California's new privacy law could have massive impact nationwide; Government overreach into small business practices; What the American Express Supreme Court ruling means to you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The Moto G6 is the best smartphone under $250; AT&T increasing bogus "administrative fee"; Leg room is getting much harder to come by in air travel these days Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A retail price war is happening and it is good for your wallet; Big improvements to battery life are occurring now with huge effects Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The key to improving healthcare in the United States; How you can purchase a home with a smaller down payment Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Pre-fab housing could solve a lot of our affordable housing issues; The internet browser that protects your privacy Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Health insurance when traveling abroad; How much can you rely on Social Security in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Many businesses are using social media apps like Instagram to thrive; Should you buy cell phone insurance? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; The fiduciary rule is toast - here's what you need to know about the "fiduciary oath" Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazing app Acorns now offering banking services; Local governments shutting down kid lemonade stands; Battery technology progressing rapidly Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The employment longevity that employers expect; Consumers used to hold all the reviewing power...not anymore Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A pizza company is repairing potholes; Another reason robocalls are the worst; Fewer people are smoking and Clark tells you why that is so important Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What it takes to become a millionaire; Too much optimism in real estate right now; Messaging apps that provide the best privacy Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; New self-install alarm company can save you big money Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Speedy home delivery options expand; Audi CEO arrested as part of Volkswagen scandal; Car wrapping is back and can make you hundreds of dollars a month! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: People take Social Security at the wrong age to their financial detriment; Lakefront property advertisements; An unreal (but real) $10 a month cell phone plan offer Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Potential changes to the way pre-exisisting conditions are covered; Payday loan mogul receives prison sentence; Security alert for your router Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Life insurers basing rates on your credit score; It isn't just Wells Fargo - other banks have opened unauthorized accounts; Which supermarkets provide the best customer service and value Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark Stinks; Why and how to update your privacy settings with Google, Facebook, Amazon, Apple, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Pay off your mortgage or not? The new tax law changes things; Facebook customer no service; Credit card companies are dropping perks Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What the AT&T merger means to you; A fantastic timely deal on a Costco membership; Interest rates are headed up - good news for savers! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Travel apps are improving and will make booking transportation much easier; Car loan lengths are too long!; New data about renting vs buying a home Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: More companies offer tuition assistance; Worthless extended warranties being sold; Amazing $15 Sprint cell phone deal Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 7 Back to Basics Series: Credit - What affects your credit score. How to establish and maintain good credit. Using credit and credit cards wisely. Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Shipping container farms could grow our food and use far less water than traditional farms Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A financial blog you should be reading; Scam websites capitalizing on minor typos; Most Americans want to be entrepreneurs Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Do (or don't do) these 5 things and you'll likely live longer; Fake products on Amazon; Why service has gotten worse in retail stores lately Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Bonuses are becoming more common for in demand blue collar jobs; Fake electric bill scam; How to protect yourself from a crummy 403b Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Why you should rent a car for a driving vacation; There's a lot of missing money out there - how to find it Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 6 Back to Basics Series: Booking travel - How to save money on airfare, hotels, car rentals, and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's take on the Boxed bulk delivery service; ID theft of minors is on the rise; The digit app helps you get out of debt now Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Asking for a lower credit card interest rate; Negotiating your starting salary with a potential employer Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Potential issues that can come from genetic testing; Retailers banning you from making returns Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Companies trying to beat Amazon when it comes to automation; Debt collection class action lawsuit; What it is like to go cashless Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Finding a good work from home job; How to teach your kid to to give money to charity Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 5 Back to Basics Series: Cutting your monthly bills - Cutting back, shopping wisely, and creating more monthly breathing room Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Offerpad just made it far easier to sell and buy a home at the same time Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Consumer Reports says Tesla has some work to do; Real estate seminars promising riches are making a major comeback; Amazon's facial recognition software poses privacy problems Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Credit freezes will be free thanks to the new banking law; An $8k charge for shipping from Amazon?; How Europe's new privacy rules are affecting US consumers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Are Zillow's "zestimates" legitimate predictors of home value?; Watch out for fake patent companies; Debt for folks over 75 is skyrocketing - and that's scary Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The net neutrality saga takes a positive turn; Fake cryptocurrencies are popping up; Here are the sunscreens that will save you money and keep you safe from the sun Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 4 Back to Basics Series: Saving and Investing - The right way to save your money in the short-term and how to invest for retirement over the long-term Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Target cuts shipping fees and uses its stores to process orders more quickly Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Student loan rates are on the rise; Fake law firm scam; What to watch out for when hiring a moving company Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Credit card default rates are going up; Southwest is having a great sale!; Used and new cars can be a deal right now if you know what to look for Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Drone prices have plummeted - and new drones could change how we travel; Another Wells Fargo scandal - seriously; California mandates solar installs on new homes Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's visit to a new grocery store that can save your food budget; Keyless remote cars are potentially dangerous; Sports gambling is making a comeback Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 3 Back to Basics Series: The right way to buy insurance for your car, home, life and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; We need up-front pricing for medical care Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Warren Buffet's advice against owning gold; There's a new product sketchy brokers are pushing; Clark hates lines - and tells you how to avoid lines too Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Watch out when getting a loan from a car dealer; Equifax gives more details about leaked information; New app can help neighbors communicate about crime activity Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The problems with trading in a car with a loan on it; Ripoffs of elderly are sadly growing; Apple, Google, and Facebook - who collects the most data? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How Clark's daughter saved money on her wedding; An Airbnb scam to watch out for; Robocalls are proliferating - how to stop them Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 2 Back to Basics Series: Clark discusses in depth how to purchase a home from financing to shopping and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Fast food price war Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to get the best price at the pump; Sweepstakes scams; How to get paid if you get bumped from a flight Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Backup cameras on cars improve safety a lot; One-day awesome airfare sale!; What you should consider doing for the Mom in your life for Mother's Day Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What the potential T-Mobile and Sprint merger means for consumers; Fake student loan expert was completely fabricated; The Wells Fargo ripoff saga gets even worse Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Battery-powered scooters are creating a mess in some cities; T-Mobile fined for faking it when service not working properly; Why your credit score might be going up this month Learn more about your ad choices. Visit megaphone.fm/adchoices
BONUS EPISODE Part 1 Back to Basics Series: Clark discusses in depth how to go about buying cars - both used and new - without getting ripped off Back to Basics will be a multi-week series where Clark goes in depth on topics that are of major importance to your finances. Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; The best airlines and hotels to consider when traveling Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon delivering packages to your car; Scammers targeting you with fake fraud alerts; Are we in a housing bubble? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New Gmail features are great; Ripoffs abound in video games that kids are playing; Great cell phone service discounts for current and former Military members! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The dangers of company stock; Sending money with the Zelle app is a bad idea; How to save money as batteries get more expensive Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Flight delays building up as FAA mandates engine inspections; App developers illegally tracking kids; The price you pay is increasingly individualized Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark Stinks; Wells Fargo's huge fine and why you shouldn't bank there Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The dirty politics behind storing solar power via battery; Strategies for how to handle housing costs as you approach retirement age Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Most people want financial advice from their BANK - that's not good! A national sick leave policy should exist for some circumstances Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Why you need to contribute to a Roth in 2018; Are medical sharing companies like Medishare viable alternatives to health insurance? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Big banks are trying to capitalize on Wells Fargo corruption; Debit card scams are out in full force; Is car insurance by the mile a good idea? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; It is incredibly important to file your taxes on time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Airlines charging higher rates to loyal customers; Annuities are the worst; Zara's new robot helps customers with returns Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Mobile hair cutting small business profile; Credit card theft via micro charges is now a thing; Connected cars that show ads are here Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What if you paid for Facebook and kept your privacy?; Another amazing reason dash cams are awesome; The gas price trajectory Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What to do about the teacher pay and education taxes; The new awful trend of kids "juuling"; A few online savings accounts are starting to pay great interest rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; The Spring home buying season is a weird one Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Walmart and Humana could change healthcare in a big way; A new form of ID theft is making waves; Timely student loan forgiveness news Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A coal company in crisis could make for higher electricity bills; The importance of rewarding your employees well Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Stock market volatility; Vanguard customer service issues; More breaches and how you need to respond Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Student loans and the soaring cost of college; Watch out for this debt help scam; Advice for self-employed folks Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark Stinks; Technology has improved how you can receive estate help Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Accrue credit card rewards but skip the debt; Overdraft fees are outrageous; Getting a mortgage is getting easier Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Great news for people with peanut allergies; What are your actual chances of winning the lottery?; Facebook promises to make privacy changes Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon drone delivery developing sophistication; How changing the credit card you use can make a positive impact; Small business websites are really prone to hackers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Walmart is now selling used cars; Congress doesn't want you to know about future data breaches; Awesome deals today from Moviepass, Costco, and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; There's a massive shortage of homes in the US right now Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What the federal reserve's interest rate hike means to you; Getting fined for working too much?; Drone delivery getting close to reality Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Criminals exploiting a weakness in cell phone security; Zombie debt collectors; The IRS has unclaimed refund money for LOTS of Americans Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Facebook abused the personal data of its users; Home sellers spying on home buyers during walkthrough; Consumers are suing Equifax - and winning Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The fiduciary dealt a major blow; Best Buy's return policy changes are awful for their customers; What to do in the aftermath of Toys R Us closings Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; One of Clark's staffers, Laura, talks about battling to get her identity back Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Facebook's new trusted contacts feature is great; The most reliable cars to drive Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: 30 hour work weeks becoming more common; Predatory lenders targeting veterans; Auto-renewals are the worst - and some companies take this to a new level Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to withdrawal money in retirement; This potential HELOC gotcha you need to know about; New Rent-to-Own solution that isn't a ripoff Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: American spending and borrowing trends; ATM jackpotting; How hurtful lying about your finances to your significant other can be Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Why Clark is a huge fan of daylight savings time Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Free credit freezes for everyone might be just around the corner!; The CFPB is still the best place to go with consumer complaints; The best and worst used cars to buy Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How new tariffs will affect American consumers; How to make a Florida vacation a whole lot cheaper; 23andme breast cancer risk test approved Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Prescriptions may be cheaper without insurance; Buying stocks on margin; Uber's new product could save you a ton when ridesharing Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Why you need a dash cam; Fake FINRA scam; Fewer people are buying life insurance - and you need life insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How Alexa and Google Home are hurting the big name brands Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Instant credit is becoming incredibly commonplace; Watch out for this medicare scam; The net neutrality fight gets picked up by the states Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: 5G is coming this year and will shake up the world of high-speed internet; Opioid cure scams are on the rise; Amazon purchased Ring - but there are cheaper home security solutions Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: California to allow self-driving cars with no human backup; Hospitals forcing patients to sign up for loans; How much it costs to raise a child Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Employers giving savings incentives; Beware of door to door sale scams; Start-ups help you purchase a home for a portion of your equity Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How states are fighting back against the exorbitant cost of healthcare Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Stash can help kids learn how to invest; Amazon customer service scam; Is it considered stealing to share your Netflix or streaming service password? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's free credit freeze crusade; Going to prison over your debt; T-Mobile's limited time family plan deal Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The impact of inflation over the past 20 years; Sizzling deal - a great $20 home security camera; Beware of Facebook marketplace Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to handle an insurance claim denial; Scammy car dealership ads; The price to get into Disney just went way up Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; The Equifax hack is actually worse than anyone thought Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Should we have an increased gas tax in this country?; The best Presidents Day deals; Criminals are hacking your cell phone SIM card - and how to protect yourself Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Sam's Club has a new Plus membership that has incredible perks; Romance scams; Deal or no Deal - Clark's take on Moviepass Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The best new SUV's are actually under $30k; Phone spoofing scams on the rise; Rent control is bad for almost everyone Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Financial planning advice for young people; When should you give your Social Security number?; Exactly how much more it costs to shop on Amazon Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Uber getting into the electric bike game Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New medicare cards sans Social Security numbers are coming; Netflix scam comes roaring back; How to approach 529 plans under the new tax law Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New study of traffic issues in cities; Clarkrage - Nursing homes sedating residents with dementia; Apple's new overpriced speaker Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Why you should stop banking with Wells Fargo (again); Lottery winner sues to remain anonymous; Bitcoin falling off a cliff Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's smartwatch Super Bowl fail; Stock market's wild and crazy day; Clarkrageous CFPB lets up on Equifax; How to save money on Valentine's Day Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark Stinks; How you should approach this current fantastic job market Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Google Flights helps you sort through added basic economy costs; License plate scam; More flexible dental offices are coming Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Super Bowl ads cost A LOT this year; United yanks a lady with a valid ticket off of a plane; Signing a lease during cold weather months can save you big money Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A new health insurance initiative from Amazon, Berkshire, and Chase; The current flu epidemic; Investors are flocking back to the stock market Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon has a $10 and under section that's really cool; New rule doesn't allow you to follow your broker; Vaping is leading to a higher rate of smoking Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Roth 401(k)'s and IRA's look even better thanks to the new tax law Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How Montana is handling net neutrality; New bill attempts to prevent lawsuits against mutual fund companies; How to approach Toys R Us liquidation sales Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: We need a national credit freeze law NOW; The deals on cell phone plans are strong right now; How to save money on personal care items Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How the new trade deal affects you; BOA eliminates free checking accounts; Elon Musk might be working for free Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Lidl is causing massive price disruption in the markets they enter; Idaho rejects battery power storage; Signing your name after credit card purchases going away altogether Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Possible shake-up to net neutrality Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A $13k new car and how newer cars might be invading your privacy; Motel 6 sharing guest info with the government; Illegal streaming device makers being sued Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Get ready for tax season and file for free; Payday lending rule might be revoked; How to protect yourself from Meltdown and Spectre bugs; Clark's daughter, Stephi, joins him on the air! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Discount brokers have disturbing conflict of interest; Terrible trend of teenagers eating laundry pods; Credit card interest rates on the rise Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Savings accounts for kids; Credit card robocall scam busted; New military pension guidelines Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Homeowners insurance rates are getting more expensive Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Why credit unions are so important; SAT and ACT selling student info; Selling food past the expiration date Learn more about your ad choices. Visit megaphone.fm/adchoices
Special edition: Clark Howard Day 2 from CES in Las Vegas discussing advances in consumer electronics Learn more about your ad choices. Visit megaphone.fm/adchoices
Special edition: Clark Howard from CES in Las Vegas discussing advances in consumer electronics Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The cost of cable TV is going up; Christmas debt is a big issue and how to tackle it; New robot makes sushi four times faster than humans Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How credit freeze affects your car insurance rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Dow tops 25,000; the lottery just became harder to win; How to help your home in this incredibly cold weather Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How the tax bill affects you in 2018; Apple will replace your old iPhone battery for $29; January is definitely the time to buy airfare Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New year budgeting advice; What to buy in January; Lower your monthly bills Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: First-time homebuyer problems; 2018 will be great for your food budget! Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How automation will affect jobs; How to get free months of Amazon Prime Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Taking opioids once can lead to dependence; Lack of sleep similar to drunk driving Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: TSA changing laptop regulations; car reliability Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Electronic estate sales; How your social security number is used online Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Merry Christmas! States where your retirement money goes the furthest; YouTube TV is a great product Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Medical tourism can save you big money; car dealer markups; 3-d printing being used for infrastructure Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon's potential solution to package theft; How to shop for prescriptions Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Scam goes after teacher paychecks in multiple cities; Contract for deed a big issue for first-time homebuyers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Full fare airlines having a hard time competing with the discounters; The federal budget deficit and how it affects you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Becoming a max saver; Clark's cryptocurrency guide Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Now is the time to be job hunting Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: A debit card backed by gold; Scam phones calls; Natural gas is incredibly cheap Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Uninsured renters in Florida; Firing someone for a missed student loan payment; Oregon's new state retirement plan Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Large portion of Americans have negative wealth; Ponzi schemes on the rise; New Libby app gives you free books and movies Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Some employers start offering home loan help; Wells Fargo (again); Flipping homes Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark Stinks; New department of labor regulations affect servers and their tips Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Mobile phone companies bringing much faster internet speeds; Important info for year-end charitable giving Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: UPS has shipping breakdown; Amazon and Google fight affects you; Flu season getting nasty Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Netflix launching "choose your own adventure" endings; Crypotcurrency scams; Facebook messenger for kids Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Impact of CVS buying Aetna; Clark purchased gift cards - here's why; How a potential tax bill will affect you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Using a burner credit card number Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Uber was hacked and didn't tell anyone for a year; PayPal launching new robo-investing platform Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Hot deals right now!; Well Fargo continues to be Clarkrageous; The Bitcoin bubble Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Net neutrality; the misconceptions of the new tax reform proposal; LED Christmas light will save you big money Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The best Cyber Monday deals!; What to consider before purchasing gift cards; Shake-up at the Consumer Financial Protection Bureau Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Restaurant apps get you to spend more; Clarkrageous cost of hospital items; Denver cutting excess government costs Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's recent trip to Italy; store credit cards are the worst; Employers training their employees Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The curse of autopay; What to consider when purchasing a tablet Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What are the actual repair costs of owning an old car?; App that puts a parent in charge of their child's phone Learn more about your ad choices. Visit megaphone.fm/adchoices
Living wills; Jobs that are going away Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Beware of signing contracts on a tablet Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How you should choose a college major; Used car prices are soaring Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark.com staffer has identity stolen; Timely eyeglasses deal; Worst toys of this Christmas season Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: First digital pill approved; Major issues remain in the VA; New cheaper streaming service Philo Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Walmart store vs online pricing; TIAA sales tactics under scrutiny; Body cameras work their way into airline industry Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How to compare cell phones and the incredible cost of repairing the iPhone 10 Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Trip Advisor deleting forum postings; Netflix scam email; Best Black Friday deals Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The new tax proposal; BMW recall and open enrollment mistakes Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Krack WiFi vulnerability; Saving for retirement and possibly 401k changes Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Buckle your seatbelt! How businesses are finding cheaper employees by moving Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Making the most of a warehouse club membership Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Fake monitoring sites pop up in the wake of Equifax breach; How helping others helps you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Increasing your value in this economy; Samsung customer-no-service; Protect yourself from credit card skimmers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to read your credit report properly; Direct mail scam involving well-known retailers; Interesting ways to cut housing costs Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Beware animal airplane scams; Student loan forgiveness nightmare; Fair used car app - a new way to get a car Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; People are keeping their cell phones longer Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Review your homeowner's insurance policy; Do some fee-only planners make commissions? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: 4 lines of unlimited cell service for $100; beware of this FTC scam; Congress votes in favor of banks instead of consumers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Student loans and ModernStates.org; A $200k pay TV bill; Free ID theft monitoring Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Wells Fargo issues abound...still; Google goes after scam advertisers; Watch out for fake e-commerce sites Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; How to approach open enrollment Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: AirBnb building apartment buildings; Athletes that live frugally Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The underworld of online affiliate marketing; Xfinity mobile is a real deal; Could ride-sharing help you ditch your car? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The ETF price war reaches a peak; A $55 cup of coffee?; Advanced protection for you Gmail account Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Banks worried about ID theft; the danger of energy drinks; What you need to know about holiday travel Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Lane departure systems making a difference Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Major healthcare changes; WI judge helps out entrepreneurs; Equifax suffers another breach - seriously Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Buying things used; Mortgage firms profiting off fees to Veterans; Used cars and recalls Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Teaching your kids about money; Raiding your retirement accounts; Car warranties Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Early bird specials at restaurants; Potential financial danger of outpatient surgery centers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Buying a new car Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Ring has a new (and cheap) home security system; Google Family Link is out of beta and great for your family Thank you for taking the time to fill out our podcast survey! It should only take about 10 minutes. Please fill out as many questions as you feel comfortable answering. We appreciate your feedback. http://survey.panoply.fm Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Black Friday is dead; The IRS is in the ID verification business with Equifax - for real; Switch your bank to one that isn't awful Thank you for taking the time to fill out our podcast survey! It should only take about 10 minutes. Please fill out as many questions as you feel comfortable answering. We appreciate your feedback. http://survey.panoply.fm Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Equifax CEO testifies before Congress - and Clark has an opinion; Couple gets jail sentence for defrauding Amazon.com; ATM fees at all-time high Thank you for taking the time to fill out our podcast survey! It should only take about 10 minutes. Please fill out as many questions as you feel comfortable answering. We appreciate your feedback. http://survey.panoply.fm Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Important Equifax breach updates; hypocritical lawsuit against the CFPB; Ditch your mega-bank during #ditchswitchsave our campaign! Thank you for taking the time to fill out our podcast survey! It should only take about 10 minutes. Please fill out as many questions as you feel comfortable answering. We appreciate your feedback. http://survey.panoply.fm/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; New site makes shopping around for funeral simple Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New Nest security system; Multi-level-marketing issues leave consumers in debt Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Learning to code; Reverse mortgages; Ford using new factors to assess creditworthiness Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's reaction to Equifax CEO leaving; Sizzling deals; Amazon expands streaming to sports Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Solar power trade protections; Clarkrageous congressional proposal; CVS to limit opioid prescriptions Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Mega bank fined for cheating customers on investment products Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Companies helping employees recover after the hurricanes; New startup helps young people buy a home if they'll AirBnb part of it Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Healthcare costs in America; Verizon kicks some customers off their network; Amazon and Kohl's team up for in-store returns Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Toys R Us files for bankruptcy and what that means; Possible deregulation for MLM's; Mortgage relief for storm-affected homeowners Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Gas prices dropping and commute times increasing; FL home builders want inferior building standards; Equifax breach update Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Clark interviews Dr. Drew for the Save the Males campaign Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Self-driving cars reluctance wanes; Clark's take on the new iPhone - and how to save money on it Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: More info on the Equifax hack; Southwest credit card deal is amazing!; State's considering fiduciary laws Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Equifax now offering free credit freeze in wake of Equihack; Epipen maker botches recall; Mortgage rates are ripe for refi Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark answers listener questions about the Equifax breach; Advice for Irma evacuees and hurricane help Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Clark blasts Equifax over credit breach Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Verizon Up is a new initiative that wants to spy on you; Walmart is now on Google Express Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Hurricane Irma; Flood insurance scams; T-Mobile gives away free Netflix Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Drone usage in the aftermath of Hurricane Harvey; Wells Fargo scandal widens; Minnesota dealing with health insurance brilliantly Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: What are actual maintenance costs on older vehicles?; new app helps parents get ahold of their kids Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Real problems in Oklahoma's education system Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Labor Day car deals; People tapping home equity loans more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Beware of flood cars; Best Buy price gouging; Amazon Music adds student rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New reverse mortgage rules; Furniture store taking in Harvey victims; How to save money at Target Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to donate to hurricane Harvey victims; burned by crowdfunding; Amazon's changes to Whole Foods Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; hearing aids will get much cheaper because of new law Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Companies spy on work WiFi; JetBlue steps up their customer service game Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: WOW airlines making travel to Europe CHEAP; W2 phishing scam on the rise; Verizon Unlimited costs too much Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Employer healthcare costs; How parents should give money to their adult children Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to track prices on Amazon; bank overdraft fees; Quirky website for inventors Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Costco loses lawsuit with jeweler Tiffany Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Currency trading; Clark's take on Boxed.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon's new Instant Pickup; Sprint and Moviepass deals; Internet connected devices collecting data on you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Solar eclipse safety; New pay TV scam; Clark's Brandless.com review Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Hawaii has a new texting while walking law; Social security scam; Google free cloud storage Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; LIBOR in turmoil affects adjustable rate mortgages Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Errors in prescription drugs; Airbnb now offers experiences Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Disney to leave Netflix and starting own streaming service; More Wells Fargo infractions; New Mazda engine much more efficient Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark avoids injury when hit by car; Veteran has dispute with HOA over American flag mailbox; T-Mobile sizzling deal for ages 55+ Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Colleges tuition stagnant; Idaho non-compete clause; Car rental companies cheating customers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Companies with good customer service make more money Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Late credit card payments increase; Data breaches in 2017 Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Dow hits 22,000; Microsoft selling laptops with monthly payments; Proper solar eclipse eyewear Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Blu cell phones spying on you; House of Representatives favor banks over consumers; Nuclear power plant problems Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New TSA rules; Wells Fargo car insurance scandal; Amazon Jobs day Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Are you really working at work? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Non-traditional wealth advisors popping up; Employers putting a chip in your arm Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New startups treat your credit cards like debit; When a "sale" is not a sale; A new whole life insurance ripoff Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Summer grilling; fresh-start checking accounts Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Net neutrality; online bullies; Visa trying to convert retailers to cash-only Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; Clark's son and entrepreneurship + teens fixing iPhones Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to pick a moving company; 403b plan fees; Hollar.com is the online dollar store Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New website Brandless.com; Accessing ATM's with your phones Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Stealing TV; Important IRS collections update Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Low and zero down payment mortgages; Why teens should work Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark Stinks; AirBnb is changing because of mega-hosts Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Zillow instant offers; Bill pay scam; Rx discount cards Rx pricing Learn more about your ad choices. Visit megaphone.fm/adchoices
How to rent a rental car; What role does money play in happiness? Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: CFPB looks to ban some arbitration clauses; A human chain saves 9 lives at the beach; Shipping surcharges will change Christmas shopping Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Google can diagnose skin cancer; Home Depot fires employee for stopping kidnapping; Volvo vows to go all hybrid and electric Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Memphis paying government worker student loans; Texting while walking; Benefits at work Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon's new clothing ventures; Going into debt for vacation; Monk helps folks with finances Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Apps for selling your used items; Smart door locks Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The poor in America and a lack of affordable housing; How we do lunch has changed Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Baby boomers helping Seniors; BOA fraud charges; Successful secrets to working out Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Survey says round-up; Inspire Health Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Working in retirement; Citi Group money laundering; Glasses Off app recap Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The Nest artificial intelligence camera; New emergency room tactics from an insurance company Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Genetic testing and insurance; Fake organics; Senior discounts Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark interview a 15 year old max saver; DISH do-not-call fine; Summer gas costs; Clark Stinks; Google targets pop-up ads Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New stadium funding proposal; 401k rollover ripoff; Apple robot screen repairs; Americans dying broke; Food labels Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Variable traffic pricing; Free year of cell service!; Cutting the cord; JD Power reliability rankings; Tips for tipping in new economy Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's birthday!; Your info compromised online; Hiring changing rapidly; New storage unit companies; Car repossessions and awful consequences Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Amazon buys Whole Foods; Fake cancer charity; New Cuba travel rules; Eero mesh routers; Kids and cell phones Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Commuting by electric bike; Uber charging based on AI; Drones as insurance adjusters; Clark Stinks; 401k drainage Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Apple makes driving safer; payday lenders; Take control of online privacy; New robo adviser service; Walmart grocery vending machine Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Fire safety advice; exorbitant prison phone call costs; Insane Sprint deal!; Amazon cash promotion; How CLUE reports affect insurance rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Power grid threats; Deal alert!; Google's online safety course for kids; LED bulbs; Roth 401k tips Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Opioid deaths; Phony patent firm; New cashless payment apps; Intelligent brake assist; Fraud alert text notifications Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Choosing a mechanic; New home equity scheme; Lowe's exoskeletons; Clark Stinks; Better TV picture with indoor antennas Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: CA prison costs; Post office box scam; Bottled water taste test; Teen Summer jobs; Cities and suburb sprawl Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Declining interest rates; Avoiding ticket scams; Nursing home arbitration update; Used car deals Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Impressive app for cancer patients; Southwest sale; Harvard admission rescinded; Discount Amazon Prime for poor; Kids and Roths Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Recent terror event in London; Ringless voicemail; Supreme court consumer ruling; Major US energy transitions; Herbalife Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Quality Time App recap; Fixing iPhones; IBM work from home rules; Clark Stinks; Financial knowledge survey Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Delta face recognition tech; Contract for deed; Best places to retire; Long term care; New banking study Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Mall emergency rooms; Financial adviser scams; Homeowner's insurance and credit cards; Retirement confidence; Hotel compare Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: REPLAY HOURS: Fired CEO pay; Expensive pre-ripped jeans; Clark's incident with Pryex; Tax proposals and gas prices; Facial scans for life insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: REPLAY HOURS: Discounted movie tickets; Misbilled medical debt; Cell phones on planes; Stock market is hot; Self-driving cars on the rise Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Lyft and Waymo; New CA autograph law; Cheap home alarm service; Clark Stinks; New trend: cafes without WiFi Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Restaurants using tech; Non-compete clauses; Apps help you save; Car prices on decline; Amazon selling furniture online Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New services will buy your home; $400 t shirts!; Military appreciation; Google tracking your purchases; Fruit juice and kids Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: AT&T major customer service issues; Lawsuit against Hersheys over slack fill; Fiduciary law update; Visa gift card issues; Ooma offers home security Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: States combatting drug prices; Payday installment loans; Google job search; Small business lending; Facebook sextortion Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Calorie counts; Debt levels are out of control; New: Facebook requesting donations; Clark Stinks; Cell phone news Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Narrow insurance policies; Ponzi scheme tycoon; AirBnb booking advice; Student loans could result in home loss; TV companies mining data Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: AT&T's major issues; Republic Wireless & Costco deal; Don't post this on Facebook; Really old debt can haunt you; New Amazon kids tablet Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark discusses his most recent medical difficulty; Sunscreen in schools; Bitcoin bubble; Discont grocer Lidl launching; Graduate wages and car mistakes Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Cyber attack; Hospitals using liens against patients; Ring doorbell prevents break-ins; TN free college; Tesla solar roof Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Indie hotels; Auto lender fined for debt collection against military; YouTube fitness; Clark Stinks; Airline satisfaction Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark cancer update; LAX fancy airport suite; Student loans affect mortgages; Middle class shrinking; Savings accounts Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Net neutrality; Fake brain pills; Dating and your credit score; Comcast aims to protect internet devices; Rapidly changing gas prices Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Warren Buffet on healthcare; Department of education major issues; Spirit airlines debacle; Amazon Echo Show; GoodRx updates save you money Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Morgan Stanley ditches Vanguard; Scam fundraising on GoFundMe; 3D printing now saving lives; Employment picture looking rosy; Facebook makes you sad Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: How to spot secure websites; Kids and codeine FDA warning; New streaming site Pureflix; Clark Stinks; Mattress shopping Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: REPLAY HOUR Retirement accounts that stink; New phone scam; Block unwanted spam texts and calls; Changes in the movie biz; Geriatric social workers Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Puerto Rico's bankruptcy; The downside of automatic bill-pay; 5G is coming; How to ditch fake Amazon reviews; new Hulu pay TV option Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Coal usage going down; Merchandise shipping scam; Booking hotels by the minutes; Condo values; Running and longevity Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Debt crisis in America; Fake Yelp reviewer busted; Clark discusses 23andMe experience; Cybersecurity jobs; Wedding gifts to give and wedding insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Solar update; Watch out: elderly rip-offs; Robot delivery; Clark Stinks; Tricks to help you save more Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Beef prices; Phoneline hackers; New cool Roku update; Affordable tiny apartments and pod homes; Schools should start later Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Executive compensation; $425 muddy jeans from Nordstrom; Clark's Pyrex explosion update; Trump's tax proposal and gas prices; Getting life insurance to get easier and creepier Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's Pyrex explosion; Russian hacker sentenced; Uber's underhanded tactics; Stock market hits record highs; Google Waymo launches in Phoenix Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: New IRS debt collection practices; CFPB sues mortgage lender; Walmart grocery price competition; Dirt cheap car rentals; New Mastercard with fingerprint reader Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Discount movie theatre websites; Misbilled medical debt; Cell phones on planes; Clark Stinks; Groceries Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Spring cleaning; Russian spamster busted; Tesla is way overvalued; HOA warnings; Make your phone battery last longer Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Clark's staff tests a new dollar store razor; Mother's day deals now; Vets being sent to minute clinics; Overbooking flights; The immediate future of mortgage rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Less travel into US means better travel deals; tax day deals; Where your tax money goes; Net neutrality update; Clark profiles the new Chevy Bolt Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Rich people cars; Negative option billing; TV ratings and how to shop; Waze app; Bank fees hit a milestone Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Buying stocks on margin; Wells Fargo update; High paying in demand jobs; Clark Stinks; Cell phone stores vs dealer stores Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Bidding on apartments; Student loan providers work against you; Car prices differ by zip code; Mesh wireless routers; 401k leakage is major problem Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Walmart discounts in-store pickups; FTC scammer; Restaurant calorie counts; Chromebooks on the rise; New prostate cancer screening guidelines Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: United Airlines follow-up; IRS scam bust; Important tax info; Flood insurance; New smartphone privacy concerns Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: United drags man off airplane; Wells Fargo report; Updates on HHGregg gift cards and warranties; Fiduciary rule update; Free college tuition in NY Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: College in prison; Annuities; Apps that stop spam callers; Medicare and Social Security harm America's future; Planning a wedding quickly and cheaply Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Asking for fee reductions works; Harbor freight fake sales; Google maps tracking; Age discrimination when hiring; Restaurants in grocery stores Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Shipping container homes; List prices widely misused; Skipping lines at theme parks; Clark Stinks; Background check yourself free Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Healthcare and the stock market; Experian fake scores; United boots yoga pants; Robot revolution; Important new privacy bill major cause for concern Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Cable channels dying off; FDA goes after dietary supplement company; 2017 data breaches; duct cleaning; Wells Fargo cell phone ATM's Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Clark smart burials; Watch our for skimmers; Antibiotics and kids; Insurance companies not paying out; Survey says!; Lenders spying on you Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Artificial chicken + 3D printing medical; Clark deals; Malls tracking customers; Vehicle warranty scam; Federal reserve raises interest rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Online shopping decreasing?; Getting groceries at drugstores; Smartphone addiction; IPO warnings; New healthcare proposal Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Rich people cars; negative option billing; What TV brands to consider; Clark Stinks; Real estate prices further out from city Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Amazon breaks the internet; Samsung washer debacle; YouTube TV announced; Uber CEO issues; Investment commission cuts Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Warren Buffet's big bet; Don't worry about audits; Clark's $65 international plane ticket; Retailer bankruptcy concerns; International voice calling apps Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Civic now charges for credit score; Check cashing bad, bank customer service worse; Workforce changes; Clark Stinks; Interns at Google don't suck Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: Facebook PTO policy; Getting into an accidental Uber; Mugshot websites; Investing in artificial intelligence; Indoor farming could mean cheaper food Learn more about your ad choices. Visit megaphone.fm/adchoices
Topics: The Consumer Financial Protection Bureau under attack; LA flood insurance not being paid out; Car reliability; New food labels; Waze expanding ride sharing Learn more about your ad choices. Visit megaphone.fm/adchoices
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Topics: Inflation; Rx drug price increases; Drone taxis; Student loan rates go down; Millennials most dangerous drivers Learn more about your ad choices. Visit megaphone.fm/adchoices
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