The Clark Howard Podcast

By Clark Howard

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Subscribers: 3277
Reviews: 9

patty R.
 Nov 4, 2021
I have been listening to Clark and his team for over 20 years. i still learn new things weekly and can't thank him enough for his great advice over the years.


 Apr 20, 2021

Benny
 Feb 16, 2021
I always learn something new and Clark's take is straightforward, friendly and helpful.


 Jan 19, 2021

CB
 Apr 24, 2019
Never miss an episode, as Clark Howard always seems to have something helpful to share.

Description

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.

Episode Date
11.29.22 Nuggets from the 2022 Fast-Food Report / A New 401(k) Portability Service
1843
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 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
Nov 29, 2022
11.28.22 WARNING: Vehicle Purchases & Lease Buyouts / Attention Holiday Shoppers
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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
Nov 28, 2022
11.18.22 Clark Answers His Critics on Clark Stinks / Supermarket Big Brands Taking It To The Limit
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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 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
Nov 18, 2022
11.17.22 Crypto: The FTX Collapse / Scams Targeting Seniors
1767
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 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
Nov 17, 2022
11.16.22 Mortgage Rate Outlook / Our Power Equation
1644
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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 16, 2022
11.15.22 FIDUCIARY OR BUST / Automation Meets The Labor Shortage
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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 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
Nov 15, 2022
11.14.22 Internet Security Beyond Passwords / A Different Kind of Auto Insurance
1832
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 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
Nov 14, 2022
11.11.22 Clark Answers His Critics on Clark Stinks / Update: City Relocation Incentives
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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 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
Nov 11, 2022
11.10.22 POLL: Money Wisdom / Tight Christmas: Thinking Through Your Holiday Spending
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 10, 2022
11.09.22 A Hard Lesson in Hotel Booking / Scam ALERTS
1985
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
Nov 09, 2022
11.08.22 Charities: Season of Giving Guidelines / Privacy For Sale
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 08, 2022
11.07.22 A Potentially Perilous Home Buying Trend / Airfare Booking Strategy
1738
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
Nov 07, 2022
11.04.22 Clark Answers His Critics on Clark Stinks / The END of Standard Return Policies
1771
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
Nov 04, 2022
11.03.22 Bonds Update / Saving LESS + Spending MORE = Bear Trap
1847
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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 03, 2022
11.02.22 New Tax Brackets / Side Gig Opportunity
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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   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
Nov 02, 2022
11.01.22 Roth IRA & 401(k) Limits for 2023 / CLARKONOMICS: The Deficit Reckoning
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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 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
Nov 01, 2022
10.31.22 Netflix & Streaming Update / Investing: Upside of the Downside
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 31, 2022
10.28.22 Clark Answers His Critics on Clark Stinks
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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   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
Oct 28, 2022
10.27.22 Car Buying Forecast And An Alternative / Back to Basics - HSA vs. FSA
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 27, 2022
10.26.22 Loyalty Programs Give & Take / At Last! Affordable Hearing Aids
1703
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 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
Oct 26, 2022
10.25.22 When Giant Supermarkets Merge / Winter Heating Costs
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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   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
Oct 25, 2022
10.24.22 U.S. Treasuries- Update / Meet Yale Professor/Behavioral Economist- JAMES CHOI
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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   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
Oct 24, 2022
10.21.22 Clark Answers His Critics on Clark Stinks / CLARKONOMICS: The 60/40 Rule
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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 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
Oct 21, 2022
10.20.22 Health Insurance Open Enrollment / Vehicle Market Update & Advice
2147
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 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
Oct 20, 2022
10.19.22 EMPLOYMENT: Job Scams / Pay Transparency
2006
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? 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
Oct 19, 2022
10.18.22 Your Credit Report Accuracy / The Pay In 4 Trap
1662
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 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
Oct 18, 2022
10.17.22 Your Financial Emergency Kit / Teaching Kids About Money
1584
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 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
Oct 17, 2022
10.14.22 Clark Answers His Critics on Clark Stinks / Clark Smart Holiday Air Travel Advice
1801
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 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
Oct 14, 2022
10.13.22 After The Storms: A Rethink On Rebuilding / Meat Substitutes Don’t Cut It
1826
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 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
Oct 13, 2022
10.12.22 Clark Smart Holiday Shipping / Beware the “Pig Butchering” Scam
1943
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? 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
Oct 12, 2022
10.11.22 Clarkonomics: The Housing Market / Grocery Delivery Gets More Affordable
2016
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 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
Oct 11, 2022
10.10.22 Electric Vehicle Outlook & E-Bikes / Debt and Mental Health
1876
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 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
Oct 10, 2022
10.07.22 Clark Answers His Critics on Clark Stinks / Your Auto Insurance Rates
1721
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 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
Oct 07, 2022
10.06.22 Adult Kids on The Parental Dole / Privacy Alert: Health Apps & Sites
1976
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 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
Oct 06, 2022
10.05.22 Fidelity’s new Robo-Advisor Service / The All-Inclusive Airline Fare Proposal
2040
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 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
Oct 05, 2022
10.04.22 Holidays Sales Are NOW / CLARKONOMICS - Perspective on the Economy
2051
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 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
Oct 04, 2022
10.03.22 Unlisted: Customer-No-Service & You / Winter Heating Bills
1890
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? 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
Oct 03, 2022
09.30.22 Clark Answers His Critics on Clark Stinks / Reduce The Risk of Dementia
1900
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   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
Sep 30, 2022
09.29.22 DEALS in a Time of Inflation / Inside the Mind of a Super Saver
2221
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   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
Sep 29, 2022
09.28.22 Make A Difference: Government Jobs / Getting Control of Credit Card Debt
1836
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 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
Sep 28, 2022
09.27.22 DEADLINE: Series I Savings Bonds / Ford Changing the Game for Car Buyers
1888
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 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
Sep 27, 2022
09.26.22 Illegal Nursing Home Debt Collection / Bad Investment Advice Is Everywhere
1635
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 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
Sep 26, 2022
09.23.22 Clark Answers His Critics on Clark Stinks / Airbnb: Opportunity & Hazard
1793
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 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
Sep 23, 2022
09.22.22 The Truth About Manufacturers Warranties / Your Cell Phone As Lifeline
1770
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 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
Sep 22, 2022
09.21.22 Breaking Inflation / Moving & Homeowners Insurance ALERT
1739
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   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
Sep 21, 2022
09.20.22 An IRS Break on Late-Filing Penalties / SAVE on Healthcare
1606
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)   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
Sep 20, 2022
09.19.22 New Info On Standing Desks / Inflation Fighter: The Resale Market
1676
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 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
Sep 19, 2022
09.16.22 Clark Answers His Critics on Clark Stinks / Trade School & Apprenticeship Resources
1929
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 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
Sep 16, 2022
09.15.22 DANGER ZONES: The Top Scam Takes Many Forms / The Credit Card Trap
1913
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 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
Sep 15, 2022
09.14.22 Home Renovation & Contractors / Audible Change- OTC Hearing Aids
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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 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
Sep 14, 2022
09.13.22 Customer Service Comes to Airlines! / Beware Training Repayment Agreements
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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 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
Sep 13, 2022
09.12.22 Rising Rents & The Rental Housing Outlook / Peer-To-Peer Car Rental - Pros & Cons
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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 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
Sep 12, 2022
09.09.22 Clark Answers His Critics on Clark Stinks / Stock Market Fears & Your Retirement
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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   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
Sep 09, 2022
09.08.22 For Students: A Key Extracurricular / Save On Gym Membership
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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 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
Sep 08, 2022
09.07.22 Teen Drivers & Accident Ethics / A Money Saving Mortgage Strategy
1931
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? 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
Sep 07, 2022
09.06.22 Unprecedented September Clearances / Student Loan Forgiveness
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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? 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
Sep 06, 2022
09.02.22 Clark Answers His Critics on Clark Stinks / SAVE On Holiday Shipping
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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? 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
Sep 02, 2022
09.01.22 Act Now for Holiday Travel / Job Market Trends & Work-Life Balance
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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 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
Sep 01, 2022
08.31.22 The Newest Text Message Scams / Family Loans & Taxes
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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? 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
Aug 31, 2022
08.30.22 Undisclosed: Podcast Influencers / Prime Perk: Amazon Layaway
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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 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
Aug 30, 2022
08.29.22 Streaming Changes And FREE TV / Recalculation For Home Sellers
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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   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
Aug 29, 2022
08.26.22 Clark Answers His Critics on Clark Stinks / Important & Cheap! Renters Insurance
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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   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
Aug 26, 2022
08.25.22 The Best Rates On Savings / Pros & Cons: Worker Productivity Scores
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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 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
Aug 25, 2022
08.24.22 Eating Out: Supermarket Vs. Restaurant Inflation / Airline Seat Sizes
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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 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
Aug 24, 2022
08.23.22 A $10 Life Saver + Home Protection / WRONG: An Automaker’s Mandatory Option
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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 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
Aug 23, 2022
08.22.22 Prescription Price Changes & Workarounds / 2 Great New Cell Plan Deals
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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 Wireless: Price Drop and New Premium Plan 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   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
Aug 22, 2022
08.19.22 Clark Answers His Critics on Clark Stinks / Artificial Lawns - Pros & Cons
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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 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
Aug 19, 2022
08.18.22 Inflation Defense: Store Brands / Your Retirement Age
2029
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 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
Aug 18, 2022
08.17.22 Home & Auto Insurance: The Prevention Approach / OPPORTUNITY: Restoring the Great Middle Class
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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 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
Aug 17, 2022
08.16.22 Best States to Start a Business / National Scandal: Military Ripoffs
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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? 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
Aug 16, 2022
08.15.22 Freelance Pay Equity / Moving To Save Money - A Clark Smart Relocation Rule
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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. 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
Aug 15, 2022
08.12.22 Clark Answers His Critics on Clark Stinks / DIY Wireless Home Security
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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 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
Aug 12, 2022
08.11.22 Amazon Expands Healthcare / Follow up: The Hertz False Arrest Debacle
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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 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
Aug 11, 2022
08.10.22 WANTED: Auto Mechanics / Oversupply Bargains
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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 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
Aug 10, 2022
08.09.22 Retail Site WISH: Unfulfilled / Getting it Right: EV Charging Stations
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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 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
Aug 09, 2022
08.08.22 HOTELS: Diminishing Amenities / At Last - Healthcare Cost Disclosures
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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 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
Aug 08, 2022
08.05.22 Clark Answers His Critics on Clark Stinks / SAVERS: Stash Your Cash Wisely
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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 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
Aug 05, 2022
08.04.22 Free TSA PreCheck, Global Entry & Clear / Online Reviews: 2 Pitfalls to Avoid
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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   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
Aug 04, 2022
08.03.22 Ad Awareness / 401(k) into IRA Rollover - WARNING
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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   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
Aug 03, 2022
08.02.22 Employment Dilemma: Asking For A Raise / Credit Card Debt Makes a Comeback
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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   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
Aug 02, 2022
08.01.22 HOUSING: Outlook and Recommendations / Self-Checkout Warning
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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   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
Aug 01, 2022
07.29.22 Clark Answers His Critics on Clark Stinks / Crazy High Car Loan Payments
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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.   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
Jul 29, 2022
07.28.22 GAS PRICES: An Update and Ways to Save / Recession-proof Job Sectors
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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 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
Jul 28, 2022
07.27.22 VANGUARD: Lesson From The Tax Bill Debacle / Air Travel Strategies
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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 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
Jul 27, 2022
07.26.22 DEAL: Home Fitness Equipment / Find Missing Money For Free
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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 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
Jul 26, 2022
07.25.22 Delaying Retirement / SAVE on Groceries: Strategies Including A Cash Back App
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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 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
Jul 25, 2022
07.22.22 Clark Answers His Critics on Clark Stinks / The Clark Smart Way to Own Gold
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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 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
Jul 22, 2022
07.21.22 Under Pressure: Effects of High Vehicle Costs / Automatic For The SAVINGS
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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 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
Jul 21, 2022
07.20.22 Inflation & Changing Buying Habits / Training Programs Pose A New Student Debt Hazard
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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 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
Jul 20, 2022
07.19.22 Buy Now Pay Later: New Warnings / Medical Debt
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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 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
Jul 19, 2022
07.18.22 There ARE Travel Deals This Summer / Fix The Tax Code
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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 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
Jul 18, 2022
07.15.22 Clark Answers His Critics on Clark Stinks / HOUSING Outlook: The Rent Or Buy Decision
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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 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
Jul 15, 2022
07.14.22 Auto Insurance Increases / WFH: A Generational Shift
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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 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
Jul 14, 2022
07.13.22 The Clark Origin Story / SAVE on Your Cell Phone Plan
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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? 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
Jul 13, 2022
07.12.22 Debt Collection: Statute of Limitations / POWER: Off The Grid
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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 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
Jul 12, 2022
07.11.22 Innovations in Home Building / Life Insurance & Private-Equity
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 11, 2022
07.01.22 Clark Answers His Critics on Clark Stinks / Employee Owners Stay Loyal
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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. 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
Jul 01, 2022
06.30.22 DEALS: Amazon Prime Days / Rates UP: Make The Most On SAVINGS
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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 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
Jun 30, 2022
06.29.22 Higher Education Transformation / Making Adjustments for Inflation
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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 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
Jun 29, 2022
06.28.22 Save Big on Shipping / Affordable EVs: Guidance for Car Buyers
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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? 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
Jun 28, 2022
06.27.22 Crypto Crash In The Pioneer Phase / The Housing Market Is Changing
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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: What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash 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 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
Jun 27, 2022
06.24.22 Clark Answers His Critics on Clark Stinks / Great Opportunity Awaits All Grads - All Levels
1550
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 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
Jun 24, 2022
06.23.22 FRAUD ALERTS: Perpetual Sight Unseen Scams / Job Listing Scams
1985
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?   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
Jun 23, 2022
06.22.22 Attention Shoppers: Discount Categories Abound / Office Space Opportunity
1993
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 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
Jun 22, 2022
06.21.22 Clark Smart Car Rental / Homeowners Insurance & Natural Disasters
1846
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   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
Jun 21, 2022
06.20.22 A New Era For Entrepreneurs / Cruise Ship Retirement
1805
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? 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
Jun 20, 2022
06.17.22 Clark Answers His Critics on Clark Stinks / Your Big Data Dossier
1793
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 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
Jun 17, 2022
06.16.22 Drones & Automation Advances / New Traditional IRA Inheritance Tax Rules
1924
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?   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
Jun 16, 2022
06.15.22 TRAVEL: Gas Prices & Airfare Sticker Shock
2164
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   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
Jun 15, 2022
06.14.22 Bear Market Perspective & Strategy / Student Loan News & Your Education
1837
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?   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
Jun 14, 2022
06.13.22 Warning: Buying Online Sight Unseen / SAVE on TVs & Video Content
1787
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 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
Jun 13, 2022
06.03.22 Clark Answers His Critics on Clark Stinks / A New Era of World Trade
2089
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 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
Jun 03, 2022
06.02.22 Your Safety and Dietary Supplements / Car Market Update
1830
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 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
Jun 02, 2022
06.01.22 Payroll Advances: Perils & Alternatives / Update: Robocalls & Messaging Scams
1733
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 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
Jun 01, 2022
05.31.22 Our Power Grid & Portable Generators / FREE Online Books, TV & Movies
1888
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 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
May 31, 2022
05.27.22 Clark Answers His Critics on Clark Stinks / Where The Deals Are!
2073
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 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
May 27, 2022
05.26.22 Money & The Happiness Quotient / Concert Ticket Pricing
1785
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 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
May 26, 2022
05.25.22 Summer Air Travel Saving Strategies / Cooling You Home This Summer
1985
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 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
May 25, 2022
05.24.22 Turbulent Crypto Currents / Prostate Cancer Update and Self-Advocacy
2219
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 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
May 24, 2022
05.23.22 A New AMEX Travel Benefit / Save More on Weddings
1878
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   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
May 23, 2022
05.20.22 Clark Answers His Critics on Clark Stinks / Summer Jobs Galore for Teens
1916
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?   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
May 20, 2022
05.19.22 Bogus Financial Advisors Cost You / Cell Phone Plan Deals
2021
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 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
May 19, 2022
05.18.22 Self-Employed Retirement Planning / Road Trip Auto Maintenance Tips
2072
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? 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
May 18, 2022
05.17.22 Airbnb: New Rules & Guidelines for Potential Hosts / Profitable College Degrees
1721
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 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
May 17, 2022
05.16.22 Entrepreneurs: Being Your Own Boss / Control: Vehicle A.I. Tracking Drivers
2070
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 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
May 16, 2022
05.13.22 Clark Answers His Critics on Clark Stinks / Travel Warnings
2084
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 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
May 13, 2022
05.12.22 Education: Going The Distance / Google’s New Privacy Tool
2004
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 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
May 12, 2022
05.11.22 SAVE MORE: Reduce Energy Consumption / Diamonds Are Cheaper Forever
1998
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   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
May 11, 2022
05.10.22 Medicare Disadvantage Plans / An ARM & a Leg: Adjustable Rate Mortgages
2125
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 Price Hikes Coming Soon 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? 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
May 10, 2022
05.09.22 The Wawa Wow Factor / Inflation Supermarket Strategy
1948
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 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
May 09, 2022
05.06.22 Clark Answers His Critics on Clark Stinks / Alternative Private Equity Investments
2030
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 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
May 06, 2022
05.05.22 Better Savings Rates - Zero Risk / BEST Baby Formulas
1748
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 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
May 05, 2022
05.04.22 Bitcoin in 401(k)s / Tipping Point: Navigating Ubiquitous Tip Requests
1828
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   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
May 04, 2022
05.03.22 Student Loan Forgiveness / Zelle is Dangerous - A Clark Directive
1826
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 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
May 03, 2022
05.02.22 Vacation Rental Surprise Fees / Extra Home Energy Savings
1883
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 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
May 02, 2022
04.29.22 Clark Answers His Critics on Clark Stinks / Credit Bureau Cons
1975
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 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
Apr 29, 2022
04.28.22 Entrepreneur Thrives Offering More For Less / Warning: Credit Card Spending UP!
1589
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 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
Apr 28, 2022
04.27.22 Housing Dilemma: To Buy or To Rent / A Social Media Lesson for Business Owners
2134
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 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
Apr 27, 2022
04.26.22 Buying A Home Sight Unseen / Costco's Secret To Success
1831
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   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
Apr 26, 2022
04.25.22 Boomer Retirement / Financial Education
1966
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. 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
Apr 25, 2022
04.22.22 Clark Answers His Critics on Clark Stinks / Current Saving & Investing Strategy
2079
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   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
Apr 22, 2022
04.21.22 F-150 Lightning Strikes the Car Market / New Money Saving Cell Phone Plans
1988
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?   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
Apr 21, 2022
04.20.22 Investing: Real Estate vs. Stocks / Work From Home Expenses
1859
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 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
Apr 20, 2022
04.19.22 Company Training Programs / A Cash App Data Breach Warning
2084
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   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
Apr 19, 2022
04.18.22 Gadget Management: Selling Electronics / Back To Basics: Your Inflation Budget
1653
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? 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
Apr 18, 2022
04.15.22 Clark Answers His Critics on Clark Stinks / New Debt Collection Tactics & Your Rights
2124
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 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
Apr 15, 2022
04.14.22 Housing Market Decisions / Energy Outlook & Strategy
2350
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   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
Apr 14, 2022
04.13.22 Order Up: Behold The RoboBurger / Millions Lost in Heinous Gift Card Scams
1884
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 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
Apr 13, 2022
04.12.22 Special Guest: MARK CUBAN on his new CostPlus Drug Company
2168
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 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
Apr 12, 2022
04.11.22 Navigating Airline Chaos / Wanted: Your Spare Change
1797
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? 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
Apr 11, 2022
04.08.22 Clark Answers His Critics on Clark Stinks / Housing Solutions: ADUs
1971
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? 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
Apr 08, 2022
04.07.22 Hiring a Fiduciary Financial Advisor / Reducing Food Waste
1800
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 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
Apr 07, 2022
04.06.22 Best Printers of the Year / E-Bikes & Scooters - Gas Alternatives for Getting Around
1626
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? 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
Apr 06, 2022
04.05.22 The New Nature of Work & Opportunity / Top 10 Tax-Friendly States
1715
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 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
Apr 05, 2022
04.04.22 College Decisions & Direction / High Travel Cost Strategies
1884
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   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
Apr 04, 2022
04.01.22 Clark Answers His Critics on Clark Stinks / Rising Interest Rates
1962
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 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
Apr 01, 2022
03.31.22 Shop Till You Drop INFLATION Costs / DANGER: QR Codes
2123
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 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
Mar 31, 2022
03.30.22 Colleges Ripping Off Veterans / New Streaming TV Savings.
1724
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   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
Mar 30, 2022
03.29.22 Affordable Cities For Renters / Where The Deals Are.
1983
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 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
Mar 29, 2022
03.28.22 Clark’s Consumer Fight for His $ / Changes: Medical Debt & Your Credit
2220
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 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
Mar 28, 2022
03.25.22 Clark Answers His Critics on Clark Stinks / Summer Car Rentals
1996
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 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
Mar 25, 2022
03.24.22 TAXES: Refunds & Free Filing / TRAVEL: Airline Miles & Hotel Points
2278
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 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
Mar 24, 2022
03.23.22 Here’s To The Four Day Workweek / The Death of Overdraft Fees
1939
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 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
Mar 23, 2022
03.22.22 Summer Jobs / In Praise of a Big Bank!
1973
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 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
Mar 22, 2022
03.21.22 Current Strategies for the 2 Biggest Purchases: Auto & Home
2198
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 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
Mar 21, 2022
03.18.22 Clark Answers His Critics on Clark Stinks / Going From a Traditional to Roth 401(k)
2117
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   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
Mar 18, 2022
03.17.22 Saving-Spending Reset / Tax Records: An Overview
2088
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? 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
Mar 17, 2022
03.16.22 Special Edition: Gasoline & Home Energy Prices
2658
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?   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
Mar 16, 2022
03.15.22 Student Loan Forgiveness Corrected / Hearing and Vision Apps
2093
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? 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
Mar 15, 2022
03.14.22 Wells Fargo’s FINRA Review / 2 Ways to Offset Inflation
2083
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   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
Mar 14, 2022
03.04.22 Clark Answers His Critics on Clark Stinks / Clark’s Health Lesson
2317
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? 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
Mar 04, 2022
03.03.22 Ukraine: Donation Guidance and Economic Impact / Update: Vehicle Pricing & Purchasing
2063
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 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
Mar 03, 2022
03.02.22 Fraud Alerts: Romance Scams Hit Fever Pitch / ZELLE No
1958
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   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
Mar 02, 2022
03.01.22 Paid to Learn: Apprenticeship Programs / Walmart & Amazon Healthcare
1964
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? 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
Mar 01, 2022
02.28.22 Predatory FinTech Loans Target Small Business / Financial Infidelity
2239
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 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
Feb 28, 2022
02.25.22 Clark Answers His Critics on Clark Stinks / Internet Service: Clarity & Choice
1958
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 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
Feb 25, 2022
02.24.22 Labor Shortage Outlook / Early Retirement Compromise
1937
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 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
Feb 24, 2022
02.23.22 Power Outage: Solar Backup & Home Generators / Amazon Prime Increase Vs Walmart+
2250
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 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
Feb 23, 2022
02.22.22 The Ukraine Invasion: Economic Effect / 2 Tech Topics: 3G Shutdown & A New Tech Connect Standard
2449
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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 22, 2022
02.18.22 Clark Answers His Critics on Clark Stinks / Summer Travel & Wedding Planning
2558
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 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
Feb 18, 2022
02.17.22 The Equifax Data Breach Settlement / 2 Great New Cell Plan Options
2101
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 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
Feb 17, 2022
02.16.22 No Surprises: A New Medical Benefit / New Rewards Checking
1956
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 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
Feb 16, 2022
02.15.22 Update: Gas Prices / Sticker Shock: Auto Insurance Recommendation
1584
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 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
Feb 15, 2022
02.14.22 Saving Strategies for Financial Independence / Home Title Protection
1842
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 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
Feb 14, 2022
02.11.22 Clark Answers His Critics on Clark Stinks / Apple AirTags Revisited
1902
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 Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoicesz Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 11, 2022
02.10.22 Citi Double Cash Visa Changes Explained / The Frontier / Spirit Airlines Merger
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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
Feb 10, 2022
02.09.22 Mark Cuban’s New Rx Savings / AUTO LOANS: 2 Clark Rules.
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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 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
Feb 09, 2022
02.08.22 Create Your Own Credit File / Cruise Update: Hazard & Opportunity.
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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 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
Feb 08, 2022
02.07.22 STOCK MARKET: Ride the Decline Fortified / Valentines Day Planning.
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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 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
Feb 07, 2022
02.04.22 Clark Answers His Critics on Clark Stinks / New Tax Rule for Small Business.
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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 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
Feb 04, 2022
02.03.22 Clark Howard - Deal Hunter - Spills Trade Secrets / Clark Smart Assignment: Restore Vanishing Money
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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 Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 03, 2022
02.02.22 The New Angie’s List / Retail & the Organized Theft Ring Problem
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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
Feb 02, 2022
02.01.22 Flying Cars! An Imminent Game Changer / Beating Inflation in the Supermarket.
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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 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
Feb 01, 2022
01.31.22 Don’t Get Taken on Eyeglasses / Here’s to Vertical Farming.
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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 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
Jan 31, 2022
01.28.22 Clark Answers His Critics on Clark Stinks / Airport Self-Screening.
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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 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
Jan 28, 2022
01.27.22 Virtual Credit Card Protection / Solar Shingle Innovation.
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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 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
Jan 27, 2022
01.26.22 Streaming Services Price Creep / Vehicles: 3 Great Developments.
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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 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
Jan 26, 2022
01.25.22 Home Ownership vs. Renting / Restaurants & Retail: Limited Hours & Merchandise.
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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 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
Jan 25, 2022
01.24.22 Military Bonuses / Good News on the Energy Front.
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 24, 2022
01.21.22 Clark Answers His Critics on Clark Stinks / Dealerships Vs. the Free Market Sale of Vehicles.
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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 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
Jan 21, 2022
01.20.22 Special Retirement Advice For Women / Warning: Banks Pushing Credit Card Offers.
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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 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
Jan 20, 2022
01.19.22 Credit Report Errors / Walmart Vs. Amazon - Grocery Delivery Options.
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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 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
Jan 19, 2022
01.18.22 Travel Warnings: Cruises & Lodgings / Furniture Orders & Deposits in Limbo.
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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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 18, 2022
01.14.22 Clark Answers His Critics on Clark Stinks / Tax Season Strategy & Inflation.
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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 Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 14, 2022
01.13.22 Invasion of Privacy: Cell Phone Service / When You Need To Buy a Car - Now.
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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
Jan 13, 2022
01.12.22 New Advice About 401(k)s / YOUR SAFETY: Criminal Tracking of People & Cars.
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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
Jan 12, 2022
01.11.22 HOUSING: Cost, Supply & Building Innovation / Life Insurance Guidelines.
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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
Jan 11, 2022
01.10.22 The End of ER Bill Shock? / What’s Behind the American Labor Shortage.
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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
Jan 10, 2022
01.07.22 Clark Answers His Critics on Clark Stinks / Clark’s 2022 Money Challenge.
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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
Jan 07, 2022
01.06.22 Crypto Savings Accounts / The Funeral Industry Pivot - New Rules.
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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
Jan 06, 2022
01.05.22 Explainer: Long-Term Care Insurance / Advancements in Medicine.
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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
Jan 05, 2022
01.04.22 Special Edition: SOCIAL SECURITY with expert Mary Beth Franklin
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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
Jan 04, 2022
01.03.22 New Tech for Drunk Driving Prevention / The Debt Hangover & A Clark Smart Resolution.
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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
Jan 03, 2022
12.24.21 Clark Answers His Critics on Clark Stinks / Boost Mobile Deal + Big Bargains in the New Year.
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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
Dec 24, 2021
12.23.21 Teachable Moments: Teens & Money / Know Your Worth in the Marketplace.
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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
Dec 23, 2021
12.22.21 Bad Fiscal Health Leads to Bad Physical Health / Relocating? SAVE on the Cost of Moving.
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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
Dec 22, 2021
12.21.21 Gentle Advice for Vanguard / Why Clark Despises Mandatory Arbitration.
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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
Dec 21, 2021
12.20.21 SAVE MORE: Paying Little or Nothing / Vital Conversations About Vital Financial Info.
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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
Dec 20, 2021
12.17.21 Clark Answers His Critics on Clark Stinks / The Consumer Action Center's Top Questions.
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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
Dec 17, 2021
12.16.21 WARNING - Counterfeits Abound Online / Home Insurance Price Hikes & Guidance.
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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
Dec 16, 2021
12.15.21 WARNING: Pretexting Gift Card Scams / The Great Resignation: The Wrong Way to Quit.
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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
Dec 15, 2021
12.14.21 New Info on Employers Spying on Workers / Good News on the Banking Front!
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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
Dec 14, 2021
12.13.21 Now Vs 1970s Galloping Inflation / Customer-No-Service: The Cell Phone Industry.
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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? 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
Dec 13, 2021
12.10.21 Clark Answers His Critics on Clark Stinks / Debt Collectors on Social Media & Your Rights
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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 \\ 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
Dec 10, 2021
12.09.21 Health Tracking: Clark Reviews the Oura Ring / Opportunity for Those Leasing a Vehicle.
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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
Dec 09, 2021
12.08.12 Federal Student Loan Repayment / A New Breed of Social Media Affinity Fraud.
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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
Dec 08, 2021
12.07.21 New Reward Credit Cards - Know The Game / Hotel Review Goes Horribly Wrong.
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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
Dec 07, 2021
12.06.21 Investor Warning: Borrowing on Margin / Recent Clark Adventures in The Retail Competitions.
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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
Dec 06, 2021
12.03.21 Clark Answers His Critics on Clark Stinks / COVID, Travel & The Economy.
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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? \\ 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
Dec 03, 2021
12.02.21 Save on Winter Heating Bills / WARNING: Cashing Out Home Equity.
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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 \\ 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
Dec 02, 2021
12.01.21 Safer Holiday Shopping Online / A Better Option for Concert Ticket Buyers.
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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 \\ 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
Dec 01, 2021
11.30.21 Consumer Reports’ Dirty Look at Laundry Detergents / Money Saving Healthcare Innovations.
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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
Nov 30, 2021
11.29.21 The ABCs of NFTs / The New IRS Tax Rates & Tax Efficient Saving.
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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
Nov 29, 2021
11.19.21 Clark Answers His Critics on Clark Stinks / Big Retailer Christmas Deals and Don’ts.
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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
Nov 19, 2021
11.18.21 The Land of DANGEROUS Misfit Toys / Tis the Season of Giving - AND Charity Scams.
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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 \\ 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
Nov 18, 2021
11.17.21 It’s Porch Pirate Season. Secure Package Solutions / Media Warning: Beware Advertorial Content.
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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? \\ 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
Nov 17, 2021
11.16.21 “Skimpflation” is Upon Us / Industry Disruption: Root and Lemonade are Changing Auto Insurance.
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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 \\ 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
Nov 16, 2021
11.15.21 New Retirement Contribution Limits / Home iBuyers: Industry Update.
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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
Nov 15, 2021
11.12.21 Clark Answers His Critics on Clark Stinks / ACA Open Enrollment: Increased Benefits + Medicare Advantage Plans.
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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
Nov 12, 2021
11.11.21 Holiday Shopping Challenges / Men vs. Women Investors - Who Comes Out Ahead?
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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
Nov 11, 2021
11.10.21 Zen and the Art of Auto Maintenance & Repairs / New Opportunities in Small Business Banking.
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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
Nov 10, 2021
11.09.21 What Earns 7.12% Interest? / FREE Smart Phones! What's the Catch?
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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
Nov 09, 2021
11.08.21 The Burger King-Robinhood Crypto Giveaway / A Favorite Car Seller in Trouble and The TOP 10 Cars Ticketed for SPEED
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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 \\ 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
Nov 08, 2021
11.05.21 Clark Answers His Critics on Clark Stinks / Holiday Travel Update.
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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 // 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
Nov 05, 2021
11.04.21 The Not O’K-economy’ Continues - Clark Smart Direction // Dealing with Debt Collection.
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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
Nov 04, 2021
11.03.21 DANGER! Scam Texts Out of Control / Vacation vs Burnout.
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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
Nov 03, 2021
11.02.21 Why FI (Financial Independence)? - Funding Retirement / Debit Disaster.
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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
Nov 02, 2021
11.01.21 Disconnect: Employee Exodus - Executive Oblivion / Housing Update.
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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
Nov 01, 2021
10.22.21 Clark Answers His Critics on Clark Stinks / Black Friday deals are already here!
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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
Oct 22, 2021
10.21.21 The Exodus from California / Simplify Retirement Savings.
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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
Oct 21, 2021
10.20.21 For the Win: Investing Trends / Disney’s New Genie Park Planner App.
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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
Oct 20, 2021
10.19.21 SAVE on Rx: 2 Excellent Drug Discount Programs / Best Buy’s New Membership Program - Totaltech.
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$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 \\ 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
Oct 19, 2021
10.18.21 Restaurants and the Labor Shortage / Privacy vs Telematics Tracking Drivers.
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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
Oct 18, 2021
10.15.21 Clark Answers His Critics on Clark Stinks / Operational Difficulties: Southwest Airlines
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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
Oct 15, 2021
10.14.21 Challenges of Going Cashless / Bottled Water: $ Down the Drain.
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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 \\ 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
Oct 14, 2021
10.13.21 Device Addiction vs. Being In The Moment / Beware Stalkerware.
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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 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
Oct 13, 2021
10.12.21 Credit Card Rewards / Don’t Pay for FREE Credit Info.
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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
Oct 12, 2021
10.11.21 High Tech Comes to Insurance Claims / Rideshare Costs & Alternatives.
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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
Oct 11, 2021
10.08.21 Clark Answers His Critics on Clark Stinks / Early Bird Holiday Shopping a Must This Year.
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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 \\ 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
Oct 08, 2021
10.07.21 Hope for a Promise Long Denied: Public Service Loan Forgiveness / New Rules: Flood Insurance.
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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 \\ 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
Oct 07, 2021
10.06.21 Pandemic Impact: Increased Elder Fraud / Transportation Innovation Arrives.
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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 \\ 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
Oct 06, 2021
10.05.21 Escalating Gas & Energy Prices - Your Defense / Protect Your Social Security Account at Age 30.
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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 \\ 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
Oct 05, 2021
10.04.21 Empty Shelves & Product Shortages - Flex / Open Enrollment Needs Your Attention This Year.
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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 \\ 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
Oct 04, 2021
10.01.21 Clark Answers His Critics on Clark Stinks / Women Entrepreneurs Skyrocket.
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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 \\ 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
Oct 01, 2021
09.30.21 Help For Homebuyers in the Bidding Wars / Bye Passwords Hello Biometrics.
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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 \\ 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
Sep 30, 2021
09.29.21 There are 2 Types of 529 Plans. One is a Ripoff / Jobs of the Future.
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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) \\ 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
Sep 29, 2021
09.28.21 Extreme Weather & Home Insurance / 13 Billion Robocalls for Car Warranties.
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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
Sep 28, 2021
09.27.21 A Used Car Market Warning / Market Swings & Investor Fears.
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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
Sep 27, 2021
09.24.21 Clark Answers His Critics on Clark Stinks / NEVER NEVER NEVER Accept the Expensive Free Dinner Invite.
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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 \\ 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
Sep 24, 2021
09.23.21 UPDATE: SBA Loan Programs / Important Plan Documents: 401(k) Fees.
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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 \\ 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
Sep 23, 2021
09.22.21 Quality of New Cars / CORE Investing: Clark’s Hot Tip Advice.
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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 \\ 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
Sep 22, 2021
09.21.21 Wearable health trackers / The Buy Now, Pay Later Effect - Not Good.
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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 \\ 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
Sep 21, 2021
09.20.21 Why Crypto Isn’t Ready For Prime Time / Are wallets becoming obsolete?
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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 \\ 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
Sep 20, 2021
09.17.21 Clark Answers His Critics on Clark Stinks / Find Lost or Missing Retirement Accounts.
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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 \\ 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
Sep 17, 2021
09.16.21 Stocking Up For Emergencies / COVID Rebates & Saving On Auto Insurance
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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? \\ 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
Sep 16, 2021
09.15.21 Amazon’s New TVs / SpaceX Starlink Satellite Internet Delay.
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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 \\ 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
Sep 15, 2021
09.14.21 JOBS: Understanding Total Compensation / Heads Up: Employers Spying on At-Home Workers.
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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 \\ 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
Sep 14, 2021
09.13.21 The Apple Antitrust Case and Your Money / College Decisions & New Ways to Avoid College Debt.
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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 \\ 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
Sep 13, 2021
09.10.21 Clark Answers His Critics on Clark Stinks / Farewell Locast: Local Channel Alternatives.
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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 \\ 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
Sep 10, 2021
09.09.21 Protecting Privacy With Simple Burner Tech / Supply Shortages Have Changed the Nature of DEALS
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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 \\ 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
Sep 09, 2021
09.08.21 Education: Is College Worth It? / The Worker Shortage & A Partial Solution
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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 // 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
Sep 08, 2021
09.07.21 Open Enrollment: A New Employer Benefit / Emergency Funds & End of Life Planning
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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? \\ 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
Sep 07, 2021
09.03.21 Clark Answers His Critics on Clark Stinks / A Clark Job Warning: Non-compete Agreements.
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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 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
Sep 03, 2021
09.02.21 Clark Rage - Wells Fargo and Alternative Banking / Investment Warning: Broken Promissory Notes.
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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 \\ 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
Sep 02, 2021
09.01.21 Hospitals: A Rogue Industry and a Clark Cure / Road Trip! A Great Tip for Highway Travel.
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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 \\ 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
Sep 01, 2021
08.31.21 The Nurse Shortage is Critical / The Value of a Dollar Store.
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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 \\ 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
Aug 31, 2021
08.30.21 Renting Can Help You Buy a Home / Retirement Savings Can Make You a Millionaire.
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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 \\ 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
Aug 30, 2021
08.27.21 Clark Answers His Critics on Clark Stinks / Travel Outlook This Pandemic Fall.
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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 \\ 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
Aug 27, 2021
08.26.21 The T-Mobile Breach and Quick Measures to Protect Your Phone & Money / TWI - Trading While Under the Influence: Really?
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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
Aug 26, 2021
08..25.21 LOGJAM: Ordering Delays are Here to Stay / Financial Checklist - Who Needs Umbrella Insurance?
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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 \\ 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
Aug 25, 2021
08.24.21 A Simple Way to Protect Your Phone from Hackers / The Life Insurance Industry’s Dirty Secret.
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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 \\ 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
Aug 24, 2021
08.23.21 Out of Adversity > Innovation: Productivity & New Job Opportunity / Protect Yourself on 401(k) Rollovers.
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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
Aug 23, 2021
08.20.21 Clark Answers His Critics on Clark Stinks / What You Don’t Know About Distracted Driving.
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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 \\ 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
Aug 20, 2021
08.19.21 Autopilot Systems & Autonomous Driving / Save on Prescription Eyeglasses & Contacts
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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 \\ 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
Aug 19, 2021
08.18.21 Best Cell Phone Plans and Deals in 2021 / Choose Better Banking.
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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 \\ 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
Aug 18, 2021
08.17.21 Moving? A Clark Warning / Remote Work Considerations.
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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 \\ 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
Aug 17, 2021
08.16.21 Beware ‘Buy Now, Pay Later’ / Warning: 2 Problems With Rogue Third Party Online Sellers
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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 \\ 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
Aug 16, 2021
08.13.21 Clark answers his critics on Clark Stinks / Housing Market Update.
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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 \\ 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
Aug 13, 2021
08.12.21 Employment and Covid mandates / A new opportunity to create affordable housing.
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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 \\ 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
Aug 12, 2021
08.11.21 How to Save for Retirement When Your Work for Yourself / Health Insurance for College Students
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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 \\ 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
Aug 11, 2021
08.10.21 Big delivery problems meet small delivery solutions / 2 Current Scam Warnings.
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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 \\ 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
Aug 10, 2021
08.09.21 The credit score game has changed / Privacy update: QR codes.
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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 \\ 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
Aug 09, 2021
08.06.21 Clark answers his critics on Clark Stinks / Money down the drain: SAVE on doing laundry.
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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 \\ 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
Aug 06, 2021
08.05.21 Current Travel Pitfalls / Danger: Buying Stocks on Margin.
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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? \\ 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
Aug 05, 2021
08.04.21 Clark’s updated 529 Plan Guide helps you save for college / Walmart’s excellent new employee benefit.
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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? \\ 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
Aug 04, 2021
08.03.21 It’s a Great Time to Refi! / Protect Your Catalytic Converter.
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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 \\ 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
Aug 03, 2021
08.02.21 Electronics: Your Right To Repair / Time Has Come Today for TIAA.