The Clark Howard Podcast

Today - How the recent credit-card settlement affects merchants and your future transactions.  Also, do you need the latest greatest television? Clark explains why buying the latest TV technology is a waste of money. New Credit Card Rules: Segment 1 Ask Clark: Segment 2 Cheap TVs Are Clark Smart: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Credit Card Swipe Fees Are Going Down. Are Points Going With Them? Visa, Mastercard credit-card settlement could save businesses billions Visa, Mastercard settle long-running antitrust suit over swipe fees with merchants Is an HSA the Best Way To Save for Future Medical Expenses? Why Clark Says Everyone Should Have a Dash Cam NYTimes: Tired of Streaming? Free Blockbuster Libraries Offer an Alternative. AAA IDP International Driving Permit Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less! Rent Before Buying In New Locale: Segment 1 Ask Clark: Segment 2 Secondhand Clothing A WIN: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes The home insurance market is crumbling. These owners are paying the price The $10 Travel Essential Clark Howard Always Packs 5 Best Robo-Advisors in 2023 Who Should Use a Robo-Advisor? Secondhand clothing stores are red hot as consumers look to save money Clark.com  -  CELL PHONES Best Investment Companies for Investors in 2024 10 Best Free Checking Accounts in April 2024 Fidelity Investments Review 2023: Pros & Cons Team Clark Guarantee - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark recently talked about GM selling off driving data to auto insurers, and 2 of his predictions about this have now come true. That update plus - another invasion of privacy by the insurance industry has come to light, this time impacting homeowners. Also today, college costs continue to skyrocket. Clark explains how this has come about, and what today’s students can do about it. Insurance Spies: Segment 1 Ask Clark: Segment 2 College Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: GM faces 2nd lawsuit over driver data collection without consent - from Detroit Free Press Insurance companies are using aerial images of homes as a tool to ditch properties seen as higher risk Predatory Lending: How to Avoid, Examples and Protections Should I Keep My Old Car or Buy a New Car? The Average Vehicle Age in America Some Colleges Will Soon Charge $100,000 a Year. How Did This Happen? College will cost up to $95,000 this fall. Schools say it's OK, financial aid can numb sticker shock Biden seeks student debt relief for millions How Do Student Loans Work? 7 Things to Know How To Open a Roth IRA Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members A better way to book with points Best Rewards Credit Cards: Top Picks for 2024 Best 2% Cash Back Credit Cards: 8 Options in 2024 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Speaking of Fridays - working hard or hardly working? There’s a trend of workers cutting out early on Fridays, and it’s not necessarily a bad thing.  Clark Stinks: Segments 1 & 2 Flexible Fridays!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - TIRES The Basics of Municipal Bonds Travel Archives - Clark Howard /  Travel Archives - Clark Deals We’re Working Less on Fridays, and That’s OK - The Wall Street Journal. Guide to 529 Plans, Saving for College and Financial Aid Rollovers From a 529 Plan to Roth IRA: What to Know Balanced Fund: Definition, Investment Mix, Examples Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Dollar stores and other discounters are reconfiguring. Clark clears media confusion surrounding closures and discusses what makes some discount retail operations more successful than others. Also - If you want job stability with a pension, this job sector wants you! Dollar Store Closures: Segment 1 Ask Clark: Segment 2 Who Offers A Pension?: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Dollar stores are shutting down across America. They did this to themselves 99 Cents Only Stores to close all 371 spots in 'extremely difficult decision,' CEO says - USA TODAY Dollar Tree Raises Max Price to $7: Which Items Will Cost More? Clark Howard's 5 Money Tips for Couples How to Freeze Your Child's Credit Research shows federal workers are effective and committed, not subversive — The Conversation [The Washington Post] The government has a workforce crisis. One of its best-kept secrets can fix it. Portfolio Lender: Meaning, Overview, Pros and Cons Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark updates EV deals with Tesla now in the mix. Also, what to know about digital wallet options including Paze, a new entry from the big banks. Tesla Deals: Segment 1 Ask Clark: Segment 2 Digital Wallets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s wrong with Tesla? [The Washington Post] Ready or not, self-driving semi-trucks are coming to America’s highways Should You Take Your Pension in a Lump Sum or Monthly Payments? Pension Benefit Guaranty Corporation: Home Page Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit The Family Digital Wallet Is A $26 Billion Deposit Opportunity For Banks NYTimes: The Youths Have Spoken: Wallets Are Lame. Go Digital. Millions of small businesses have a new reporting requirement. Here's what to know. Bogleheads Investing Advice and Info Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Often at checkouts, we’re asked to donate to a cause by rounding up our payment or contributing one dollar. How do you decide when to give? Also, as a result of giant hospital systems buying up practices, you may be charged a significant “facility fee” at doctors appointments. Be ready by asking the right question in advance. Plus, out-of-network charges are being manipulated by private equity, costing patients more. Checkout Charity: Segment 1 Ask Clark: Segment 2 Medical Facility Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? That spare change you donate at checkout is adding up to millions for charities A Simple Trick To Paying Off Your Credit Card Faster How To Open a Roth IRA This Small U.S. City Was Just Named the Best Place to Retire With No Savings. The Best Places to Retire in the World Hospitals Are Adding Billions in ‘Facility’ Fees for Routine Care - The WSJ NYTimes: In Battle Over Health Care Costs, Private Equity Plays Both Sides NYTimes: Health Insurers’ Lucrative, Little-Known Alliance: 5 Takeaways NYTimes: Insurers Reap Hidden Fees by Slashing Payments. You May Get the Bill. What Is a Backdoor Roth IRA? CarEdge | Buy, Sell, and Protect New & Used Cars - CarEdge Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark discusses filing an extension and what to do if you don’t have the money to pay income taxes. Also, many of us are dealing with sky-high valuations of our property, and Clark has a personal story to tell. Filing A Tax Extension: Segment 1 Ask Clark: Segment 2 Property Tax Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Tax return extensions: Why you should (or shouldn't) do it and how to request one When Are Taxes Due? Important Tax Dates in 2024 The IRS has 940,000 unclaimed tax refunds from 2020 that are about to expire. Is one of them yours? Advice | IRS has $1 billion in 2020 tax refunds. Time is running out to collect. AT&T Reset 7.6 Million Customers’ Passcodes After Data Breach - The WSJ NYTimes: AT&T Resets Millions of Passcodes After Customer Records Are Leaked Everything to Know About the Alleged AT&T Data Leak: What You Can Do to Protect Yourself How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State What Brokerage Do You Recommend for First-Time Investors or Kids? The ‘Echo Housing Boom’ is here 3 Places You Should Never Invest Your Money What Is a Fiduciary Financial Advisor and Do I Need One? How To Open a Roth IRA Best Investment Companies for Investors in 2024 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And today Clark revels in listener reprobation for his rank, malodorous missteps on a slew of topics - for the entire podcast. Ah the smell of it!   Mentioned on the show: Best Rewards Credit Cards: Top Picks for 2024 Reps demand answers to U.S. Postal Service delays across state, country Want To Guard Your Privacy Online? Search the Web With DuckDuckGo Best Travel Credit Cards: Top Rewards Picks for 2024 American Express Credit Cards Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Target Drive Up Review: How Target Grocery Pickup Works How Do Student Loans Work? 7 Things to Know Follow Clark Howard's #1 Rule To Travel Cheap 5 Things To Know Before You Buy Costco Clothes When Is the Best Time To Collect Social Security? Will Social Security Run Out? My Social Security: The Free Account Everyone Needs To Set Up Before Retirement Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Today Clark shares an important warning for anyone who has a relative or friend in a nursing home, assisted living, hospital or any other medical facility. Also - Self-checkout seemed like a great idea, until stores realized how much theft was occurring. Expect to see some changes in this area.  Medical Facilities Payment Scheme: Segment 1 Ask Clark: Segment 2 Retail Self-Checkout: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why a financial regulator is going after health care debt 3 Things to Know Before You Lease a Car TrueCar | New & Used Cars for Sale | Car Pricing & Reviews Electrek | EV and Tesla News, Green Energy, Ebikes, and more Carfax Electric Car Lease Deals Which Are The Cheapest Electric Cars To Lease? How to Shop for Lower Car Insurance Best Auto Insurance Companies and Some of the Worst Best And Worst Homeowners Insurance Companies Submit a complaint | Consumer Financial Protection Bureau New York Post: Target to limit self-checkout to 10 items as stores trend away from the technology amid concerns of theft New York Post: Dollar General drops self-checkout at hundreds of stores to reduce theft 5 Reasons Sam's Club Is Better Than Costco Getting a Ton of New Credit Card Offers? Here’s What You Need To Do Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The membership business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into the resale scam game. Retail Memberships: Segment 1 Ask Clark: Segment 2 Cartels Target Timeshares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Barrons: Delivery Is Retail’s New Game. How the Players Stack Up. Target Is Rebranding Its Credit Card Program: What You Should Know Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? How To Manage Your Monthly Subscriptions To Save Money Parent PLUS loans can be a debt trap. Here's a loophole Income-Contingent Repayment (ICR) Annual Updates to the Income-Contingent Repayment (ICR) Plan Formula for 2023-2024 Income-Driven Repayment Plans What Are the Tax Consequences of Debt Settlement? NYTimes: A Mexican Drug Cartel’s New Target? Seniors and Their Timeshares Clark.com - Timeshares How To Sell, Cancel or Get Rid of Your Timeshare 5 Steps To Getting a Good Deal on a Hotel Room How To Plan a Trip: Clark's Best Travel Tips To Save Money  Clark.com resources Episode transcripts Community.Clark.com 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

During the pandemic, many people decided to buy or adopt a dog. Due to changing circumstances, many former “pandemic puppies”  are now in need of homes, presenting an opportunity for would-be pet owners. Also today, scams have morphed over the decades and exploded with technology. It pays to be savvy to the latest permutations of tech imposter scams. Pandemic Puppies Fill Shelters: Segment 1 Ask Clark: Segment 2 Tech Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Survey: 91% of dog owners have experienced financial stress over the cost of pet ownership - USA Today       Clark.com - Is Pet Insurance Worth It? 10 Things Homeowners Insurance Doesn't Always Cover Discover Free Checking Account - No Fee Cashback Debit The Safer Way To Use Your Debit Card New tech support scammers want your life savings Never move your money to “protect it.” That’s a scam What’s a verification code and why would someone ask me for it? Will your bank or investment fund stop a transfer to a scammer? Probably not Did you get a call or text about a suspicious purchase on Amazon? It’s a scam 16 of the Best High-Yield Online Savings Accounts What Is a SEP IRA and Who Is Eligible? Best Investment Companies for Investors in 2024 Southwest - Transferable Flight Credits Clark.com resources Episode transcripts Community.Clark.com 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

Much in the news lately - houses overtaken by squatters, or stolen through title theft. Clark discusses which homes are most vulnerable and what to be aware of as a homeowner. Also today, why credit card rewards are not always worth it. Clark discusses how reward cards work, and what it takes to reap the benefits.  Anti-Squatter Statutes: Segment 1 Ask Clark: Segment 2 Credit Card Rewards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Protect Your Home From Deed Theft    New York Post: NYC couple are sued by squatters who allegedly took over their $930K investment home and won’t leave: ‘It’s absolutely absurd’ Home Title Lock: Is It the Same As Home Title Insurance? How To Protect Your Home From Being Stolen by Squatters Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Why You Should Never Mail a Check The deceptive math of credit card rewards: Spending for points doesn't always make sense - USA TODAY Clark.com - Credit Cards Should You Ever Book a Nonrefundable Hotel Room? BBB-File a Complaint 7 Rules for Buying a Cheap Car With Cash Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a handful of automakers are selling their customers down the river and it’s an inexcusable invasion of privacy that impacts insurance premiums.  Clark Stinks: Segments 1 & 2 Automakers Selling Driving Data: Segment 3 Ask Clark: Segment 4 Mentioned on the show: PenFed Power Cash Rewards Visa Signature® Card Review: Up to 2% Unlimited Cash Back When Should You File a Claim on Your Homeowners Insurance? What Is a SIMPLE IRA and How Does It Work? What Is a SEP IRA and Who Is Eligible? Best Investment Companies for Investors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Should You Allow Your Auto Insurance To Monitor Your Driving? New York Post: Your car is secretly spying on you and driving your insurance rates through the roof: report NYTimes: Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies What Is a C.L.U.E Report and Its Impact on Your Insurance How to Dispute Your C.L.U.E. Report How To Open a Roth IRA How to Buy a New Car in 5 Steps Study: The 10 Best New Cars for the Money Rollovers From a 529 Plan to Roth IRA: What to Know Clark.com resources Episode transcripts Community.Clark.com 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

With more employers saying they no longer require a college degree for employment, Clark discusses the importance of a college education for your career long-term. And for the 2/3rds of adults without a degree, Clark shares valuable occupational tools. Also, relief is in sight, as price cutting from 2 major retailers may influence the market overall.  College Degrees And Employment: Segment 1 Ask Clark: Segment 2 Retailers Announce Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More employers now say they’re willing to hire workers without a college degree. But is that playing out?  New Tool Matches Your Skills With High-Paying Local Occupations Occupational Mobility Explorer 6 things you need to know before donating your used vehicle TheStreet: Costco shares a new pricing policy members will love New York Post: Ikea makes bold promise to continue price cuts in US — here’s why Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The percent of income we save, our savings rate - is the key indicator of financial health. So how are we doing right now? Also - How much exercise do you really need to make a difference in your health, and ultimately your wallet? Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. has become the world’s premier oil producer. As we plan our summer road trips, Clark explains how this status along with global factors affect gas prices. Also, how developing technology in vertical farming can cleanly help feed the planet. Summer Gas Prices: Segment 1 Ask Clark: Segment 2 Vertical Farming Solutions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: U.S. government tells Americans: ‘We’re producing more crude oil than any country, ever’       America's Oil Boom / AAA Gas Prices Surging gas prices just hit a significant milestone Ask Clark: Is the 4% Retirement Rule Still Accurate? What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend? All-In-One Mortgage: Definition, How It Works, Pros & Cons This ‘GigaFarm’ in the desert could produce 3 million kilograms of food What Is an HSA Account and How Does It Work? Fidelity - Health Savings Account | HSA Investment Options Clark.com resources Episode transcripts Community.Clark.com 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

Clark discusses the risks you face with security cameras in your home. Also in this episode, Clark has talked about how to hire a financial planner, but what about becoming one yourself? There’s now a greater demand for financial planning services with jobs in this field expected to grow in the next decade. Security Cameras & Your Privacy: Segment 1 Ask Clark: Segment 2 Financial Planning Careers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: That security camera & smart doorbell you’re using may have some major security flaws [The Washington Post] Knockoff doorbell cameras from Amazon, Walmart aren’t safe Why We've Stopped Recommending Wyze Home Security Devices at CNET Should I End My Authorized User Status With My Parents’ Credit Card Now That I’ve Established Credit? How Many Credit Cards Should I Have? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Financial planning careers are open for business What Should I Do With My 401(k) at My Old Company? What Is a 403(b) and How Does It Work? What Are Index Funds? How ‘Buffer’ ETFs Can Cushion a Major Market Selloff Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Recent data proves the point: You CAN achieve financial independence, habitually building reserves by living on less than what you make and investing wisely. Clark Stinks: Segments 1 & 2 Financial Independence: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your money could fall into the wrong hands if you don’t update this crucial information Wills & Funerals Archives - Clark Howard Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies Target launches new paid membership program in a bid to drive sales at a time of cautious spending Homeowners Insurance Archives - Clark Howard Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity Clark.com SAVINGS TABLE   /   How To Open a Roth IRA Home Equity Loans & Lines of Credit: 7 Common Questions Answered 6 Tips for Hiring a Contractor Target Date Funds: Clark's Favorite Retirement Investment How To Find and Choose a Financial Advisor Lost, Delayed, or Damaged Baggage How To Pack a Carry-On the Right Way Travel Archives - Clark Howard   /   Travel Archives - Clark Deals Clark.com resources Episode transcripts Community.Clark.com 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

You may have heard about Wendy’s experimenting with “surge” pricing. This was a miscommunication about dynamic demand pricing. Clark explains. Also today, Clark discusses when you should NOT trust AI and what to know about Google search results.  Dynamic Demand Pricing: Segment 1 Ask Clark: Segment 2 AI’s Troubled Infancy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Surge Pricing Is Coming to More Menus Near You - The Wall Street Journal. Wendy's 'dynamic pricing' drew backlash, but experts say the concept is here to stay Wendy’s Makes It Clear After Backlash: No Surge Pricing - The Wall Street Journal. Safer Ways To Send Money How Many Bank Accounts Should You Have? - Clark Howard How To Avoid ATM Fees Best Credit Cards With No Foreign Transaction Fees in 2024 5 Money Tips To Know Before You Travel Abroad [The Washington Post] TurboTax and H&R Block now use AI for tax advice. It’s awful. AI is not ready for primetime   A Fake Bill Ackman Is Scamming Investors Out of Millions on Facebook - The WSJ Five Biggest Frauds To Watch Out for in 2024 The Free Tool You Should Be Using Before You Fill a Prescription at CVS or Walgreens GoodRx Review: 10 Things To Know Before You Use GoodRx Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Clark Deals - Today's Best Deals of the Day Clark.com resources Episode transcripts Community.Clark.com 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

Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark’s Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com 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

In medicine today, there’s ongoing conflict between insurers and providers and we’re caught in the middle. This necessitates a clear directive for you before you go to any doctor appointment. Also -  In free enterprise capitalism, what is core and key for enduring success?  Clark shares a case in point. Assignment: Reverify Medical Network: Segment 1 Ask Clark: Segment 2 A Requirement For Success: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] How your in-network health coverage can vanish before you know it  ‘They’re Freaking Out’: Letters Warn Patients They Risk Losing Their Doctor - The WSJ What Is an HSA Account and How Does It Work? Ask Clark: What Is a Backdoor Roth IRA?   /   What Are Index Funds? NYPost: Dollar General store briefly shuts down after entire staff quits over 7-day work weeks, ‘lack of appreciation’ NYTimes.com: Walmart Wants to Teach Store Managers Compassion Warning: Read This Before You Sell I Bonds Vanguard - Bonds: Diversify Your Portfolio and Earn More Credit Score Guide What Type of Medical Alert Device Should I Buy for My Husband? Clark.com resources Episode transcripts Community.Clark.com 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

U.S. real estate commissions have been roughly triple those elsewhere in the developed world. Clark explains how recent settlements in the industry will actually play out over time in terms of commissions. Also in this episode, Clark shares new cruise booking insights based on a recent experience. Real Estate Commissions: Segment 1 Ask Clark: Segment 2 Summer Cruise Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Closing Costs for Buying a Home Have Risen Along With Rates The 6% commission on buying or selling a home is gone after Realtors association agrees to seismic settlement Realtors settlement expected to lower housing prices Five Ways Buying and Selling a House Could Change NYTimes: Powerful Realtor Group Agrees to Slash Commissions to Settle Lawsuits NAR agrees to settle commission lawsuits that rocked the real estate world 'Everything is rising at a scary rate': Why car and home insurance costs are surging Clark.com SAVINGS TABLE Clark.com - CRUISES Should You Ever Book a Nonrefundable Hotel Room? Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Will TSA's New Self-Screening Service Save You Time At The Airport? TSA unveils first self-screening security lane at Las Vegas airport TSA unveils a prototype self-service airport checkpoint security screening system Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com 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

This Special Edition features Wes Moss, host of the Retire Sooner Podcast. Wes is a fiduciary fee only planner, who shares his investing expertise on a range of topics, including listener questions submitted at Clark.com. Warren Buffet & An Overvalued Market: Segment 1 Ask Clark: Segment 2 Stocks & Funds: Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Wes Moss - Retire Sooner Read Warren Buffett's 2024 annual letter to shareholders Warren Buffett's annual investor letter is out. Here are the biggest takeaways. 3 pieces of investment advice from Warren Buffett's annual letter to Berkshire Hathaway shareholders Clark.com - INVEST & RETIRE Clark.com resources Episode transcripts Community.Clark.com 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

After the economic turmoil of the past 15 years, many workers struggle financially which affects their well-being and productivity. Clark discusses how employers are addressing this. Also, a huge financial drain on so many, long-term care, is becoming increasingly tougher to insure.  Small Business Retirement Plans: Segment 1 Ask Clark: Segment 2 Long-Term Care Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Workplace Financial Coaching Has Become Ever More Important Retirement Plans Startup Costs Tax Credit Small Business Retirement Plan Options Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Should You Ever Take a Loan From Your 401(k)? How Mileage Brokers Ruin Miles & Points For Everyone NYTimes: Difficult Choices for Some Long-Term Care Policyholders ‘Financial Ruin Is Baked Into the System’: Readers on the Costs of Long-Term Care   What Is Long-Term Care Insurance Cost & Coverage What Are the Pros and Cons of the Costco Car Buying Program? The Best Car-Buying Services in 2024 Clark.com resources Episode transcripts Community.Clark.com 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

In researching auto insurance, Clark has discovered some stats about the wide cost differences between various companies that will motivate you to shop auto insurance at renewal time if you're in bill shock. Also, have you noticed car washes popping up all over where you live? Learn what the deal is so you don’t get hosed.  Shopping Auto Insurance Pays: Segment 1 Ask Clark: Segment 2 Car Wash Subscriptions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A major auto insurer returns to California — with a 30% price hike How to Shop for Lower Car Insurance Car Insurance Archives - Clark Howard 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster What Should I Do if I Need a Car Right Now? Why Are There Suddenly So Many Car Washes? Are Car Wash Memberships Worth It? How To Create a Will Online  Best Online Will Maker: 5 Free or Cheap Options Who Should Consider Setting Up a Trust? Rollovers From a 529 Plan to Roth IRA: What to Know Clark.com resources Episode transcripts Community.Clark.com 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

Vehicle inventory is way up for some brands, and this creates an advantage for potential car buyers. Clark shares where the deals are. Also - There’s a shift going on with the U.S. energy supply and the way it’s provided. Clark has advice on the best play for your wallet based on the changes going on. New Car Deals: Segment 1 Ask Clark: Segment 2 Renewable Energy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies Car Prices Are Finally Coming Down. It Looks Like a Buyer’s Market. How to Buy a New Car in 5 Steps Warning: Why You Should Never Buy Visa Gift Cards What Is an ABLE Account? WSJ: U.S. Renewable Power Growth Is Setting New Records on the Back of Federal Support  Best Term Life Insurance Companies, Plans & Coverage NYTimes: She Ordered an Ashtray and Got a Can of Tuna Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses an important factor for many that is purposely ignored by credit card review sites - interest rates on cards. How do you find the best deal?  Clark Stinks: Segments 1 & 2 Best Credit Card Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Choose the Right Dog Rescue Group 4 Things To Know Before You Sign Up for YouTube TV The Platinum Card® from American Express Review 2023: Is It Worth It? How To Find and Choose a Financial Advisor Should I Buy Additional Insurance From a Rental Car Company? My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? NYTimes.com: Looking for a Lower Credit Card Interest Rate? Good Luck. CFPB - Credit card data: Small issuers offer lower rates Why Are More People Using Small Banks And Credit Unions? Navy Federal Visa cashRewards Card Review: Cash Back Credit Card Credit Union vs. Bank: What's the Difference? Home Equity Loans & Lines of Credit: 7 Common Questions Answered 6 Things To Know Before Contacting the National Foundation for Credit Counseling How one couple paid off $40K of debt in 24 months Clark Howard's 2024 Credit Card Debt Elimination Strategy Clark.com resources Episode transcripts Community.Clark.com 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

Regarding your heart health, Clark shares news of a non-invasive test you can do routinely that can be very telling. Also in today’s show, Clark gives you the lay of the land for potential home buyers and sellers this spring, including buyer incentives on new builds.  Taking Heart Health In Stride: Segment 1 Ask Clark: Segment 2 The Spring Home Buying Season: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gait speed is one of your vital signs, so make sure yours is OK Frontier Discount Den  /  Kids Fly Free Waiting for the Spring Selling Season to Buy or Sell a Home? That May Be Delayed Stamps.com - Postage On Demand How Can I Find Out Why My Credit Score Just Dropped? 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com 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

What are you paying for home internet? One provider that was low cost has now raised its prices. Clark tells you how to shop around for the best price based on your particular internet needs. Also- there’s a segment of the population long ignored when it comes to financial literacy. Clark discusses this gap and how to fix it.  SAVE MORE On Home Internet: Segment 1 Ask Clark: Segment 2 Financial Literacy For Senior Women: Segment 3 Ask Clark: Segment 4 Mentioned on the show: T-Mobile quietly raises Home Internet monthly price to $60 for new customers Internet Archives - Clark Howard UPGRADE - Cash Rewards Elite Card There’s a financial literacy gender gap − and older women are eager for education that meets their needs — The Conversation Investing & Retirement Archives - Clark Howard What Is a Roth 401(k) and How Does It Work? How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? 3 Simple Ways To Delete Your Google Data Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 13 Steps To Keeping Your Email Safe and Secure 16 of the Best High-Yield Online Savings Accounts What Are Index Funds? / Clark.com SAVINGS TABLE How Much Should You Have Saved for Retirement by Now? Best Investment Companies for Investors in 2024 Clark.com resources Episode transcripts Community.Clark.com 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

There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also in this episode, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport.  Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 United Airlines is also raising its checked bag fee. See by how much. - USA TODAY Get Ready for $40 Luggage Fees - The Wall Street Journal. NYTimes.com: How to Pack for a Two-Week Trip With One Small Suitcase How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com 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

Junk fees are being imposed all over the place in all manner of ways these days. A new California law is going to end that practice in the state, with nationwide implications. Meantime, your Clark smart approach to purchases can help protect your wallet. Also - First TurboTax, now H&R Block is in trouble for pressuring customers to overpay. There’s a better way! Anti Junk Fee Law: Segment 1 Ask Clark: Segment 2 Tax Filing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What does a service fee ban mean for diners? Expect higher menu prices — a lot higher Inflation is cooling, but small businesses are still suffering NYTimes: It’s a Great Deal, Before the ‘Drip Pricing’ ENERGY STAR® | Department of Energy FTC says H&R Block pressures people into overpaying for tax prep New York Post: H&R Block used deceptive ads, pressured users into overpaying, deleted tax data: FTC FTC finds TurboTax “free” is not free for most 8 Free Federal and State Tax Filing Services for 2024 Free File: Do your taxes for free | Internal Revenue Service Direct File | Internal Revenue Service When Should You Get an Accountant To Do Your Taxes? Why co-signing a loan can be bad on almost every financial level New York launches probe into nationwide AT&T network outage 16 Items To Pack in Your Financial Emergency Kit Amateur Radio Service / Amateur radio National Credit Union Administration (NCUA) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode: New data on US worker productivity and why this is good news for our economic growth and well-being.  Clark Stinks: Segments 1 & 2 American Productivity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Free Advice: Clark's Consumer Action Center - Clark Howard Fidelity - Automated investing: How to save and invest more Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit How is the U.S. Postal Service governed and funded? How to sell your house by owner Google Fit NYTimes.com: Can America Turn a Productivity Boomlet Into a Boom? What Is Term Life Insurance? The Power of Compound Interest: Calculations and Examples Always Ask Your Pharmacist the Price of Your Prescription Without Insurance 7 Things To Know About Costco Pharmacy Save On Prescription Drugs - Clark.com Clark.com resources Episode transcripts Community.Clark.com 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

Banks are heavily exposed to the troubled commercial property market. Clark discusses what this means for small businesses and individuals.  Also, facial recognition and biometric digital ID is becoming more prevalent, transforming your airport experiences. This brings both convenience and privacy concerns.  Clarkonomics: Segment 1 Ask Clark: Segment 2 Travel Biometrics: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Bad property debt exceeds reserves at largest US banks IntraFi - CEDARS Why Big Banks Are a Bad Place for Your Cash Best Investment Companies for Investors in 2023 How To Open a Roth IRA When Do You Need a Travel Agent? Booking a Cruise? Here Are 5 Ways To Do It for Less Facial Recognition: Coming Soon to an Airport Near You TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? MouseSavers.com: Disney discounts, deals & coupons guide Clark.com resources Episode transcripts Community.Clark.com 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

A wonderful culture shift has taken place. Younger generations are becoming rich, and not through hitting the lottery or buying hot stocks. There are simple ways to make this happen, and we have a new tool at Clark.com to help you see how much you can save over time. Also today, bargains keep getting better! Target is getting more competitive with a storewide discount brand. Youth Saving & Investing: Segment 1 Ask Clark: Segment 2 Target’s New Discount Brand: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com SAVINGS TABLE Want to retire with a million bucks in the bank? Here's one tip on how to do it. - USA TODAY WSJ.com: These Teenagers Know More About Investing Than You Do Wealth Inequality by Age in the Post-Pandemic Era How Much Should You Have Saved for Retirement by Now? How a summer job could turn you into a millionaire Investing & Retirement Archives - Clark Howard Understanding Velocity Banking, and How It Helps You Rapidly Pay Down Debt What Is Homeowners Insurance? Target creates its cheapest in-store brand as consumers are squeezed Target's new low-cost brand dealworthy gives bargain hunters a new department to shop at with prices lower than $1. The Best Car-Buying Services in 2024 / How to Buy a Used Car in 7 Steps 5 Reasons Sam’s Club Is Better Than Costco Clark.com resources Episode transcripts Community.Clark.com 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

More than 40% of homeowners carrying a mortgage right now are over age 65. Clark discusses the implications of this obligation in terms of interest rates, loan term lengths and home prices. Also, how much can you trust a website’s chatbot? Air Canada recently got into trouble over its AI bot. What you need to know about AI in the information space, including a NEVER rule about searches.  Having A Mortgage At Age 65+: Segment 1 Ask Clark: Segment 2 AI Chatbot & Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYT Keeping a Mortgage After 65: A ‘No Brainer’ or a Big Risk? Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need Term Life vs. Whole Life Insurance: Understanding the Difference What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Best Investment Companies for Investors in 2023 Best Auto Insurance Companies and Some of the Worst Why You Need To Re-Shop Your Car Insurance Right Now Homeowners Insurance Archives - Clark Howard New York Post: Air Canada ordered to refund passenger after ‘misleading’ conversation with site’s AI chatbot 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? Clark.com resources Episode transcripts Community.Clark.com 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

If you’ve recently sold I Bonds and/or receive 1099s, Clark has an important tax tip for you. Also today - Clark discusses some employment cross currents in play now to keep in mind as you survey the job market, and for employers to be aware of as they seek workers. I Bond Tax Tip: Segment 1 Ask Clark: Segment 2 What Workers Want: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Sell Your I Bonds Right Now? Making Money on I Bonds Was Easy. The Tax Paperwork Isn’t. - The Wall Street Journal. How to Freeze Your Credit With Experian, Equifax and TransUnion How getting a second opinion can stop you being ripped off — The Conversation Americans want more control over when they work, not just where  Employee salary expectations are evolving — and escalating a threat for businesses How to find a job you’ll actually like Workers are spending a lot of money returning to the office — and it's raising turnover risks [The Washington Post] The best times to book cheap flights for every vacation season Clark.com resources Episode transcripts Community.Clark.com 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

Welcome to a SPECIAL EDITION of  the Clark Howard Show, where our mission is to serve and empower you to make better financial decisions in your life. Today, Clark hits on a few key basic strategies to have more money in your life: They are: - SPEND LESS: Need vs. Wants and how to tell the difference - Clark’s strategy to start saving TODAY for retirement - regardless of your age - SAVE MORE on transportation - AVOID GETTING RIPPED OFF by protecting your identity and credit Segment 1: Behavioral - Back to basics on needs vs. wants Segment 2; Start saving today for retirement Begin with 1%, or up to an employer match if possible and available  When you get a raise, pretend you didn’t and increase your contribution Segment 3: Only buy a car you can afford If you have to take a loan, 42 months maximum Compare loans Consider buying used  Segment 4: Protect your identity Don’t ever carry checks or your Social Security card Your credit is the key to your identity -Freeze your credit!  Don’t use a debit card Use virtual card numbers online Mentioned on the show: Six Essential Questions to Ask Yourself Before Making a Major Purchase Advice | Fear of missing out can keep you broke. Fight the spending temptation. Why are sales so hard to resist? It's your brain, on discounts How To Save Money: Spend Less & Build Your Savings  /  Save Money Archives How To Save and Invest the Clark Howard Way Avoid the #1 Mistake That Car Buyers Make Clark.com - Buying A Used Car /  How To Buy A Vehicle Should I Ever Buy Extras Car Dealerships Sell in Their F&I Departments? How To Prevent, Report and Repair Identity Theft Do Not Give Your Social Security Number at These Places 7 Items You Should Never Carry in Your Wallet Why You Should Never Mail a Check How to Freeze Your Credit With Experian, Equifax and TransUnion Why You Should Never Use a Debit Card To Pay for Anything The Safer Way To Use Your Debit Card Virtual Credit Cards: An Online Security Measure Worth Taking? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Clark has serious reservations about the breakdown of standards in the hotel industry, especially when it comes to booking a room. There’s important new info to be aware of when planning travel.  Clark Stinks: Segments 1 & 2 Hotel Booking Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 15 of the Best Free Workout And Fitness Apps How To Get a Gym Membership for Practically Free 6 Things to Know About the SilverSneakers Program for Seniors Food Expiration Dates: What You Need To Know Food Product Dating | Food Safety and Inspection Service Should I Pay Off Debt, Save Money or Invest? Warehouse Clubs Archives - Clark Howard Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Where You Should (and Should Not) Book Your Next Vacation How Often Does Clark Book Travel Via Capital One Travel When It’s Often More Expensive? 5 Steps To Getting a Good Deal on a Hotel Room Should You Ever Book a Nonrefundable Hotel Room? Investopedia - Retirement Planning: Strategies, Tools, Choices Retirement Planning: Strategy, Savings and Income Fidelity Investments | Retirement Guidance Education | Retirement Plan Services - Schwab Workplace Invest & Retire - Clark.com What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Freeze Your Credit With Experian, Equifax and TransUnion How To Create a Safe Password Ambulance rides can be costly — and consumers aren't protected from surprise bills Habitat for Humanity - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

A common mistake car owners make is facilitating the rise in auto theft. There are 2 things you can do to protect your wheels. Also today - After the health club failures of 20 & 21 the industry roared back and stayed strong through 23. New stats show that trend is now reversing, which will affect the offers you’ll see. Clark explains the best way to handle gym membership to protect your wallet.  Car Theft Prevention: Segment 1 Ask Clark: Segment 2 Gym Memberships: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How one city took on rising car thefts — and brought the numbers down 10 Ways To Save Money on Car Insurance How To Open a Roth IRA Credit Card Car Rental Insurance: What You Need To Know Non-Owner Car Insurance: Who Needs It? - Investopedia What Is Umbrella Insurance and Do You Need It? How To Get a Gym Membership for Practically Free Should You Buy Out Your Leased Car? Clark.com resources Episode transcripts Community.Clark.com 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

Scammers are using a new tactic to get to you and your money, and it’s up close & in person.  Also, the days of working for one company for an entire career are long gone. Clark discusses creating financial stability in an age marked by inconsistent and unstable employment. FBI Scam Warning: Segment 1 Ask Clark: Segment 2 Job Uncertainty & Your Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When cybercrime leaves the web: FBI warns that scammers could come right to your door - USA TODAY Consumer Reports Lists Ten Most Reliable Cars [The Washington Post] This fridge hack can slash your food waste The myth of men’s full-time employment — The Conversation How To Save Money: Spend Less & Build Your Savings How Much Money Do I Need in My Emergency Fund? How To Find Cheap Flights in 3 Easy Steps The Best Place To Buy a Mattress  How Can I Get Rid of My Old Mattress Cheaply? 10 Best Restaurant Apps for Fast Food Deals Clark.com resources Episode transcripts Community.Clark.com 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

Clark discusses “nonprofit” hospitals and two crucial steps to take if you get a large hospital bill. Also today, there are multitudes of properties bought for the sole purpose of renting them out, but the rules of the game keep changing. To protect your finances, follow Clark’s rule for buying investment properties. Negotiate Hospital Bills: Segment 1 Ask Clark: Segment 2 Short Term Rental Property: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Nonprofit hospitals have an obligation to help their communities, but the people who live nearby may see little benefit — The Conversation Have medical debt? Anything already paid or under $500 should no longer be on your credit report When Do You Tell a Car Dealership You're Paying Cash? Palm Springs capped Airbnb rentals. Now some home prices are in free-fall Use of cameras and recording devices - Airbnb Help Center How To Open a Roth IRA How Many Credit Cards Should I Have? Clark.com resources Episode transcripts Community.Clark.com 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

A common text scam just attempted to infiltrate Clark’s own company. Hear how that turned out! Also today,  a warning if you receive packages from online retailers, and the one thing you need to do immediately when you do receive an item.  Text Scam Targets Companies: Segment 1 Ask Clark: Segment 2 Retail Return Fraud: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do Your Boss a Favor and Don't Fall for a Gift Card Scam - ITRC Think you know what the top scam of 2023 was? Take a guess What Brokerage Do You Recommend for First-Time Investors or Kids? What's the Best Savings Account for a Teenager? Hot Water Recirculation Systems Streaming TV - Clark.com NYTimes: She Ordered an Ashtray and Got a Can of Tuna Types of Health Insurance Plans Should You Ever Decline a Credit Limit Increase? How To Increase the Credit Limit on Your Credit Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, do you or someone you know have a safe deposit box? Clark has a very important warning if the answer is yes.  Clark Stinks: Segments 1 & 2 Unsafe Deposit Boxes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Should You Sell Your I Bonds Right Now? When Is the Best Time To Collect Social Security? Which Home Security Systems Rank Better Than Ring? Clark Howard's Simple Steps To Get Better Customer Service The US Sun: A judge dismissed my lawsuit against Chase when $100,000 & a $10k necklace vanished – years later I saw it on TV Is a Safe Deposit Box Really Safe? How Should I Handle Car Insurance for My Teenage Driver? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com 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

CDs - Are they still a good deal? Given where inflation and interest rates are heading, Clark explains that we’ve arrived at a tipping point for savers, and how to best put your money to work. Also, a report has come out about the best supermarkets in the country. What makes them great? It’s a factor you may not think about.  The SAVE MORE CD Strategy: Segment 1 Ask Clark: Segment 2 Best Supermarkets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best CD Rates for February 2024 Why you should open a CD this February - CBS News What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in February 2024 Municipal Bond: Definition, Types, Risks, and Tax Benefits How Many Bank Accounts Should You Have? - Clark Howard Credit Cards Could Swipe Department Stores’ Profits - The WSJ. Should You Get a Store Credit Card? Supermarkets - The American Customer Satisfaction Index CNBC - Costco has replaced Trader Joe’s as America’s favorite supermarket American Customer Satisfaction Index 6 Best Apps To Save Money on Groceries 22 Ways To Save Money on Groceries 10 Ways You're Wasting Money on Groceries How To Use Camelcamelcamel Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans Clark.com resources Episode transcripts Community.Clark.com 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

As the big phone companies plan big price increases, smaller competitors are taking a bigger share of the marketplace. Clark shares easy ways to keep costs down.  Also, you’ve heard of getting a second opinion when it comes to medical procedures, but did you know that getting a second opinion in all sorts of consumer areas can save you big bucks? SAVE on Cell Phone Service: Segment 1 Ask Clark: Segment 2 Get A Second Opinion: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Comcast, Charter add subs; survey finds consumers very open to MVNOs T-Mobile Eyes Price Hikes As AT&T, Verizon Set to Raise Rates in March Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need What Is Owner's Title Insurance and Do You Need It? Home Title Lock: Is It the Same As Home Title Insurance? Counterfeit Stamps How getting a second opinion can stop you being ripped off — The Conversation Brushing Scam – United States Postal Inspection Service “Brushing” Scam Indicates a Serious Problem for Victims How Can I Make Freezing a Young Person's Credit Less Risky? Should You Make Your Child an Authorized User on Your Credit Card? Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com 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

Venmo is publicly sharing your info. Clark has a special privacy check up for Venmo users. Later - collectively entrepreneurs set a new record last year. Get Clark’s take on entrepreneurship and its value for the economy.  Venmo Privacy Check: Segment 1 Ask Clark: Segment 2 On Entrepreneurship: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Venmo privacy settings to change now How To Make Your Venmo Transactions Private 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 5 Tips To Protect Your Digital Privacy Protect Your Identity Archives - Clark Howard Should You Allow Your Auto Insurance To Monitor Your Driving? Mile Auto | Pay-Per-Mile Car Insurance Entrepreneurs Opened More Businesses in 2023, Setting a New All-Time High on Yelp Sell My Car – Autotrader What Is an ETF?  -  What Are Index Funds? Clark.com resources Episode transcripts Community.Clark.com 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

A new hotel fee is showing up for something a lot of people aren’t even using. How to book a room without getting ripped off. Also, knowledge is power when it comes to navigating funeral costs. The FTC has a new warning out about shady practices in the funeral industry that take advantage of grieving families.  Hotel Rates + Junk Fees: Segment 1 Ask Clark: Segment 2 Funeral Home Rip-offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hotel parking fees take a turn for the worse How to spot hidden resort fees when you're booking travel Why Structured Notes Might Not Be Right for You What Is Full Coverage Car Insurance? NYTimes: F.T.C. Warns Dozens of Funeral Homes to Provide Accurate Costs to Callers How the Funeral Industry Got the FTC to Hide Bad Actors Alert: Funeral Home Scam Targets Grieving Families Funeral Consumers Alliance: Home - Clark.com - Funeral Planning How to have that end-of-life financial discussion with your elderly loved ones Funeral Consumers Alliance - Wills & Funerals Archives - Clark Howard You Can Save Big Money on Caskets at Costco, Walmart and Amazon Low-Cost Cremation Services: 5 Things to Know  Funeralocity - Lantern - Cake - Parting - Empathy 4 Things To Consider Before You Buy a New Cell Phone Buying a Cell Phone at Costco Wholesale: 4 Things To Know Should You Buy Cell Phone Insurance? Cell Phones & Smartphones Archives - Clark Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - many employers are offering a new benefit which may eliminate the need to choose between paying down student loans and saving for retirement.  Clark Stinks: Segments 1 & 2 The New Student Loan/401(k) Benefit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Find Cheap Flights in 3 Easy Steps Going™ | Formerly Scott's Cheap Flights Airfarewatchdog: Cheap Flights & Airline Tickets Estate and Gift Tax FAQs | Internal Revenue Service 15 of the Best Free Workout And Fitness Apps What Is an ETF? A Simple Trick To Paying Off Your Credit Card Faster NYTimes: A New Perk for Some Student Loan Borrowers: A 401(k) Match More companies embracing benefits aimed at student loan debt SAVE Repayment Plan Offers Lower Monthly Loan Payments Best Budgeting Apps in 2024: Our Top 5 What Is a Flexible Spending Account? How to Teach Young Kids About Money Fidelity Investments Review 2023: Pros & Cons  Clark.com resources Episode transcripts Community.Clark.com 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

Cruise travel is way up and with it, problems with associated trip insurance. Learn what could go wrong, and Clark smart rules for cruise travel. Also today, a follow up on Visa Vanilla gift cards and the “draining” scam that left so many people with useless plastic. Cruise Trip Coverage Warning: Segment 1 Ask Clark: Segment 2 Vanilla Gift Card Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Help! I Missed a Cruise and the Cruise Line’s Own Travel Insurance Won’t Pay. Where You Should Never Buy Travel Insurance for a Cruise Clark.com - CRUISES / Clark.com - TRIP INSURANCE How To Plan a Trip: Clark's Best Travel Tips To Save Money 401(k) Match: What Is It, How It Works 401k Calculator With Match - Clark Howard New York Post: Visa is sued over ‘Vanilla’ gift card scam known as ‘draining’ What Is an ETF? Should We Worry About the National Debt and Budget Deficits?   Clark.com resources Episode transcripts Community.Clark.com 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

Happy Valentine’s Day! Where did we traditionally receive Valentine’s Day cards? The mail! There’s a big problem with our mail delivery service, and something is going to have to give. Also today, Amazon is in a fight for its life with competitors and the resultant clothing price war presents opportunity for you.   USPS Mail Delays: Segment 1 Ask Clark: Segment 2 Clothing Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mail freeze: Latest frigid weather is adding to the postal service's delivery woes - USA TODAY   NYTimes.com: Mail 3 Days a Week? Idea Meets Resistance in Britain. How to sell your house by owner What you should know before selling your home without an agent Selling your home yourself? Here’s how an ‘Agents Protected’ sign can help you Heard on the Street: Amazon Can’t Afford a Race to the Bottom - The Wall Street Journal. Clark Deals - Clothing Why You Need To Check Your PayPal Account for Automatic Payments 5 Steps To Getting a Good Deal on a Hotel Room PlugShare - EV Charging Station Map - Find a place to charge   Clark.com resources Episode transcripts Community.Clark.com 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

With Valentine’s Day coming up tomorrow, it’s a good opportunity to give couples advice on how to avoid one of the most common things we fight over - money differences. Also today - Assumable mortgages allow qualifiers to potentially buy a house with one of the great rates that existed over the past few years. There’s a new site to help you find those homes for sale.  Couples & Money: Segment 1 Ask Clark: Segment 2 Assumable Mortgage Resource: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Financial Questions to Discuss Before Moving In With Your Partner New Love for Older Adults: Don’t Make the Same Financial Mistakes 42% of Adults Have Committed Financial Infidelity. Have You? 10 Steps for Having Better Money Conversations With Your Spouse What is an LLC? Limited Liability Company Structure and Benefits Defined What Is Umbrella Insurance and Do You Need It? Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Assumable Mortgage: What It Is, How It Works, Types, Pros and Cons A back door to a 3% mortgage rate? This startup has a plan to unlock housing market affordability  What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? Cruises - Clark.com / Costco Travel: 5 Things To Know Before You Book Clark.com resources Episode transcripts Community.Clark.com 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

Communities are popping up around the country that make it feel like you are living at the beach, without the high cost of insurance and upkeep. Sound too good to be true? It’s not. Also, excellent news to share concerning teens and finance.  Lagoon Communities: Segment 1 Ask Clark: Segment 2 Teen Work Ethic: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Their Home Has Water Views and a Sandy Beach—and It’s Nowhere Near the Ocean 401(k) Rollover: What You Need To Know & Options Target Date Funds: Clark's Favorite Retirement Investment Travel Insurance: What You Need To Know Before You Buy Clark Calls Out Favorite Credit Card for 'Classless' New Policy [The Washington Post] Gen Z is bringing back the part-time job More States Now Require Financial Literacy Classes in High Schools Best Investment Companies for Investors Can a Patient Advocate Help With Your Medical Bills? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - So many of us are addicted to our smartphones and there are new devices and methods to help us break the habit and be more present. The discipline to ditch your phone for periods of time may improve your quality of life. Clark Stinks: Segments 1 & 2 Phone-free Quality Time: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 12 Things You Never Knew You Could Get From Your Local Library Streaming TV - Clark.com Best Free Password Managers: 7 Top Picks / 5 Tips To Protect Your Digital Privacy 3 Big Retirement Account Changes You Haven't Heard About Financial Independence, Retire Early: What You Need To Know About the ‘FIRE’ Movement Is Temu Legit? 4 Things To Know My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? How to Get Free Virus, Spyware and Malware Protection Phone-free and loving it: Why Yondr usage is spiking at schools, concerts, and soon, maybe, your living room Why Toilet Paper Has Gotten So Expensive 529 rollover to Roth IRA: A guide to conversion - CNN Free (or Cheap) College for Retirees in All 50 States How to Buy a New Car in 5 Steps Clark.com resources Episode transcripts Community.Clark.com 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

U.S. consumers pay more for prescription drugs than anywhere else on the planet, especially for vital brand medications that are not yet sold as generics. Clark explains this price disparity, reports on Florida’s move to import from Canada, and shares how you can save on meds today. Also - How Walmart is giving its workers a stake in the game and why that is good for business.  Save More On Meds: Segment 1 Ask Clark: Segment 2 Employee Ownership: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Florida Is First State Allowed to Import Drugs From Canada in Bid to Reduce Costs 10 Ways To Save on Prescription Drugs - Clark.com Exchanging Dollars for Foreign Currency Home Equity Loans & Lines of Credit: 7 Common Questions Answered Simple Interest Loans: Do They Exist? Rule of 78: Definition, How Lenders Use It, and Calculation NYTimes: Walmart Offers Store Managers Company Stock to Make Them Feel Like ‘Owners’ The #1 Difference Between 'Super Savers' and Average Savers 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com resources Episode transcripts Community.Clark.com 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

Because of the pandemic, many employees are entering a corporate office environment for the first time, and companies are having to do special training to help them adjust. Clark has some advice for these new workers. Also today - After a period of punishing inflation, consumers are finally in the driver’s seat on prices. How? Clark explains our collective power in the marketplace.  Workplace Etiquette: Segment 1 Ask Clark: Segment 2 Consumers Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: We don't know how to behave in the office anymore, bosses say. The solution? Charm school  Why Sharing Your Layoff Publicly Feels So Good - The Wall Street Journal. Credit Card Car Rental Insurance: What You Need To Know Hertz is selling 20,000 electric vehicles to buy gasoline cars instead A Different Kind of Price War: Grocers vs. Big Food Makers Mortgage Recasting: What It Is And How It Works Accessible Travel Website Launches Major Expansion The future of U.S. train travel is here—and it’s not on Amtrak Where You Should (and Should Not) Book Your Next Vacation Clark.com resources Episode transcripts Community.Clark.com 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

Some reports estimate overall food waste at near 40%! That’s MONEY tossed away! There’s a simple way to help you SAVE MORE food & thus - stretch your grocery dollars. Also, Clark discusses options for those with I Bonds purchased at inflation’s peak, now with diminishing returns, and why I Bonds are still a good deal now.   Reduce Food Waste: Segment 1 Ask Clark: Segment 2 I Bond Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] This fridge hack can slash your food waste Is a Costco Membership Worth It? (Pros and Cons From 10 Readers) Your Guide to DIY Home Security Systems T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up How to Buy a Used Car in 7 Steps Should You Sell Your I Bonds Right Now? 6 Things To Know About Series I Savings Bonds Vehicle History Report Scam: If You're Selling, Listen Up 7 Things To Know Before You Use Zelle 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Clark.com resources Episode transcripts Community.Clark.com 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

Bad news makes news, creating general pessimism and a negative outlook on the world at large. But there’s so much good in the world that goes unheralded. Clark shares some reasons to be optimistic. Also today, colleges are competing to fill enrollments. Clark shares strategies to help you stretch every college dollar, including asking for a 4 year incentive package.  Dare To Be Optimistic: Segment 1 Ask Clark: Segment 2 College Cost Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Reasons to be optimistic in 2024 — despite everything SmileDirectClub is shutting down. Where does that leave its customers? [The Washington Post] Colleges are finally turning the corner on enrollment Education Archives - Clark Howard How To Sell A Car - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today  - Staying fit doesn’t have to involve costly memberships. Clark shares his affinity for fitness trackers, and how inexpensive they can be.  Clark Stinks: Segments 1 & 2 Fitness Trackers : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam's Club: What Is the Difference? How Donor-Advised Funds Are Changing Philanthropy WSJ - Your Smartphone Can Have Two Lines. Here’s Why You’d Want That. The Best International Phone Plans CR - Best Fitness Trackers of 2024 4 Truly Free Fitness Apps To Keep You In Shape All Winter 15 of the Best Free Workout And Fitness Apps (clark.com) At 93, he’s as fit as a 40-year-old. His body offers lessons on aging. ‘How is this even legal?’ Planet Fitness user asks after being forced to go in person simply to shut down account  How To Increase the Credit Limit on Your Credit Card Delta Update: Airline Announces Key Changes to SkyMiles Overhaul Going Just Announced a Big Change to Its Free Membership Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The stock market has hit record highs lately, which means investors can become misdirected by  “recency bias”.  What could go wrong?  Clark explains some market realities to keep in mind and the value of diversification. Also today, with tax season upon us make sure you know about tax filing options that are free. Investment Strategy: Segment 1 Ask Clark: Segment 2 Free Tax Filing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save and Invest the Clark Howard Way Wall Street hits record high following a 2-year round trip scarred by inflation - from USA TODAY NYTimes: After a Rip-Roaring 2023, the Markets Are Taking a Breather 10 Things You Must Know About Bull Markets Best Travel Credit Cards: Top Rewards Picks for 2024 What Brokerage Do You Recommend for First-Time Investors or Kids? Amazon - uni-ball 61255 Signo Gel 207  Black Ink Micro Fine Dozen Why You Should Never Mail a Check 8 Free Federal and State Tax Filing Services for 2024 IRS Free File: Free State and Federal Tax Filing Options for 2024 IRS set to launch its free tax filing pilot program. Here’s how it will work The Washington Post: How to file your taxes free, no matter your income or age The IRS doesn't send tax refunds by email or text TurboTax Can No Longer Advertise Products as Free, F.T.C. Says FTC finds TurboTax “free” is not free for most How To Find and Choose a Financial Advisor Advice-Only Network   /   Flat Fee Advisors How To Plan a Trip: Clark's Best Travel Tips To Save Money National Unclaimed Property Day How To Find and Claim Missing Money in Your Name Clark.com resources Episode transcripts Community.Clark.com 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

Credit card debt is up 50% in the last 3 years with default rates on the rise, as higher interest rates exacerbate the problem. What would Clark do? Also today, many people have been waiting for the market to normalize before buying a vehicle. Clark shares good news and smart approaches to the purchase of both new and used cars.  Credit Card Debt Strategy: Segment 1 Ask Clark: Segment 2 Car Buying Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Lugging Credit Card Debt Into 2024? Now’s the Time to Make a Plan. Credit card delinquencies surpass pre-pandemic levels Why debt settlement companies are the wrong way to deal with high credit card debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling CREDIT CARD DEBT - Clark.com What Fee Level Does Clark Consider Acceptable For a Company 401(k)? How To Open a Roth IRA What Is a Thrift Savings Plan? 2024 will be the best year to buy a new car since 2019, economist says USA TODAY: Buying a car? FTC reveals crackdown on illegal scams to save you money The new CARS Rule: What you need to know The Best Car-Buying Services in 2024 How to Buy a New Car in 5 Steps / How to Buy a Used Car in 7 Steps What Are the Pros and Cons of the Costco Car Buying Program? Avoid the #1 Mistake That Car Buyers Make Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com 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

Clark offers a primer on the 3 basic types of funds - Mutual, Index, and the fastest growing area of investing: ETFs.  Also, there is a new rule for health insurers when you need medical preauthorization approval for treatment or a procedure.  And it’s about time.  Back To Basics: ETFs: Segment 1 Ask Clark: Segment 2 New Rules On Medical Preauthorization: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Invest in ETFs for Beginners  What Is an ETF?  Clark.com INVESTOPEDIA - Mutual Funds  /  Index Funds  /  ETFs Medicare Medical Savings Account (MSA) Plans Health Insurers Must Streamline Prior Authorization Decisions, New Rule Says - The WSJ Businesses Are Making Me Pay the Credit Card Processing Fee. Should I Pay Another Way? Clark.com resources Episode transcripts Community.Clark.com 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

If you’re doing the work of saving,  how much interest are you earning? Some banks pay next to zero. Clark has an assignment for you. Also, Clark celebrates a “trendlet”  he hopes will become a full fledged trend - actual customer service.  Max Return On Savings: Segment 1 Ask Clark: Segment 2 Customer Service Lives: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: They Thought Their Money Was in High-Interest Accounts—They Got Paid Peanuts 16 of the Best High-Yield Online Savings Accounts in January 2024 How To Open a Roth IRA- How To Buy a House in 9 Steps Brick-and-mortar retail is back, but without the gimmicks IKEA U.S. announces plans to open 4 new-format stores in 2024 & shares FY23 progress What Is Term Life Insurance?  /  How To Buy Term Life Insurance in 7 Easy Steps Clark.com - Latest Life Insurance Why You Need To Use Your Travel Points Right Now 8 Free Federal and State Tax Filing Services for 2024 When Should You Get an Accountant To Do Your Taxes? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Costco vs Sam’s and how Sam’s Club is using tech to make the customer experience easier.  Clark Stinks: Segments 1 & 2 Sam’s Club Scan & Go: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Match: What Is It, How It Works Here’s why electric cars don’t go as far in the cold EVs work fine in the cold in Norway. Here’s how they do it The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing How Do I Find Out the Exact Discount for Bundling Home and Auto Insurance? The Best International Phone Plans Is My Phone Unlocked? Here’s How To Know – iPhone and Android BringFido: Pet Friendly Hotels & Dog Travel Directory 7 Things To Know About Costco Pharmacy Clark Says These Streaming Changes Are Top Money-Saving Moves in 2024 Costco crackdown of membership sharing reaches next level The US Sun: ‘Catch up,’ Costco shopper tells store after rival Sam’s Club makes customers’ lives easier with receipt check change.   Sam’s Club Scan And Go / NYTimes: At Sam’s Club, a Human Will No Longer Check Your Receipt at the Door Clark Deals - TVs Clark.com resources Episode transcripts Community.Clark.com 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

While other crime is down post-pandemic, vehicle vandalism & theft rises. Clark discusses the great value of vehicle sentry cameras for prevention and recording of vehicle accidents and crimes. Also today - Alarmist headlines of layoffs and AI killing jobs don’t give you the full picture. Clark lends perspective on the nature of employment historically involving change, and the job growth happening now.  Vehicle Sentry Devices: Segment 1 Ask Clark: Segment 2 Where The Jobs Are: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This go-to tech gadget is like the Ring camera - but for your cargo bed - USA TODAY An Easy Way To Protect Your Truck From Theft Is AppleCare+ worth buying for your new Apple device? Clark Deals - Tablets Best Budgeting Apps in 2024: Our Top 5 Axios: Job market surprise: Construction employment is booming Remote Workers Are Losing Out on Promotions - The Wall Street Journal. HELOC Calculator - Clark Howard Can I Use a Target Date Retirement Fund for Intermediate Savings? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com 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

Today, a Red Alert if you have a checkbook in your possession. Check theft is soaring at a time when people are writing fewer checks. Clark explains the weak links in the system, and the safest way to pay your bills. Also, the rising costs of homeowners insurance hits especially hard in areas prone to flooding, fires, and other environmental concerns. Know the additional steps to take concerning insurance BEFORE you buy a home.  Check Fraud Prevention: Segment 1 Ask Clark: Segment 2 Homeowners Insurance - Assessing Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: We Can’t Stop Writing Paper Checks. Thieves Love That. NYTimes: Stolen Checks Are for Sale Online. We Called Some of the Victims. The New York Times: What to Know About Writing Checks While Preventing Fraud How To Roll Over a 529 Plan to a Roth IRA The Artist's Way Where to Buy a Vacation Home Safe From Climate Risks Want to know if your future home might flood? These states are requiring disclosure. Climate Check - How Will Climate Change Affect Your Property? Donor-Advised Fund Definition, Sponsors, Pros & Cons, Example Why Big Banks Are a Bad Place for Your Cash How To Sell, Cancel or Get Rid of Your Timeshare Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

QR Codes have become fertile ground for criminals to load viruses and steal from you. Know how to avoid this now prevalent hazard. Also today, the big cell phone companies have made it incredibly expensive to use your phone when traveling outside the U.S. Hear Clark’s latest advice on how to handle this. QR Code Warning: Segment 1 Ask Clark: Segment 2 International Calling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: That QR Code You’re About to Scan Could Be Risky, F.T.C. Warns How QR codes work and what makes them dangerous – a computer scientist explains — The Conversation Scammers hide harmful links in QR codes to steal your information Is Temu Legit? 4 Things To Know Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit Dividend Reinvestment Plans (DRIPs) - Stocks - Investopedia How to Make a Disposable Razor Last 12 Months NYT - Come Home With Memories, Not a Shocking Phone Bill The Best International Phone Plans Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Cancel for Any Reason Trip Insurance: Should You Buy It? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares insights on how to Spend Less from a recent price study comparing behemoth retailers. Later - home and auto insurance is becoming more expensive and increasingly hard to purchase. How to be proactive vs reactive.  Retail Giant Price Comparison: Segment 1 Ask Clark: Segment 2 Home & Auto Insurance Increases: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon vs Walmart: Who Has the Cheapest Grocery Prices? The One and Only Exception to Clark Howard's 'No Gift Card' Rule Financial Fasting Can Trim the Fat From Your Spending The WSJ - Buying Home and Auto Insurance Is Becoming Impossible  Best Auto Insurance Companies and Some of the Worst: December 2023 Why You Need To Re-Shop Your Car Insurance Right Now How to Shop for Lower Car Insurance How To Open a Roth IRA Acorns Review: How It Works, Pros & Cons 6 Things To Know Before You Sign Up for Tracfone Wireless Visible Deal: Unlimited Service for $20 Monthly for Two Years Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - do you use apps to get points & free items at restaurants? Are there app tricks going on to get us to spend more money? A current lawsuit calls this into question - but the real issue is larger. What to know about app stored payment systems.  Clark Stinks: Segments 1 & 2 Restaurant & Retail In-App Payments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Simple Steps To Get Better Customer Service When Is the Best Day and Time To Call Customer Service? Clark's take: Why everyone should have a dash cam Clark Deals - Dashcams What Is Umbrella Insurance and Do You Need It? How to clean a washing machine and how often to do it Travel Archives - Clark Howard / Travel Archives - Clark Deals Ask Clark: What Is a Backdoor Roth IRA? A new complaint claims Starbucks’ app traps customers in a cycle of spending 10 Best Restaurant Apps for Fast Food Deals 16 of the Best High-Yield Online Savings Accounts in January 2024 What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com 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

Generation X in particular has faced unique challenges preparing for retirement. Clark talks about the factors involved and what this age group can do as they near their 60’s and beyond. Also today, in some states, housing prices have gone up 50% in the last 5 years. One solution Clark loves - composite, factory-built manufactured home building, is gaining traction in some places, but uptake will require cultural shifts. Gen X Retirement: Segment 1 Ask Clark: Segment 2 Manufactured Homes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gen Xers Ask: ‘Can I Afford to Retire?’ PEW Research - Older Workers Are Growing in Number and Earning Higher Wages ‘Flextirement’ is the future of work   Parents Are Spending Retirement Savings to Help Boomerang Children: FCC Affordable Connectivity Program Clark.com CAR RENTAL The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing Everything You Need To Know About Polybutylene Pipes How to Get a Mortgage in 8 Steps Clark.com resources Episode transcripts Community.Clark.com 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

Clark discusses his recent heart procedure, shares the good news of his progress and thanks all for the heartfelt well wishes he received. Also in this episode, if you’re looking to upgrade the size of your TV, there are some incredible deals out there right now. Clark points the way. Health Update: Segment 1 Ask Clark: Segment 2 Big TV Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - STREAMING TV Live TV Streaming Channel Tool Everything seems more expensive, so why is a big new TV cheaper than ever? Clark Deals - The best deals on TVs available now 10 Ways To Save Money on Car Insurance Car Insurance Archives - Clark Howard Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Clark Howard Podcast Clark.com resources Episode transcripts Community.Clark.com 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

Today, a dose of Clarkonomics. Clark shares his views on the state of the economy, including energy production and the stock market looking ahead. Also, you may have noticed fewer options when it comes to goods you buy, like toilet paper and paper towels. Clark explains how the pandemic forced new adaptive efficiencies in manufacturing, and why this is good for consumers Clarkonomics: Segment 1 Ask Clark: Segment 2 Retail: Less Choice - Lower Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: US wage growth, once an inflation risk, may be the prop a soft landing needs A lot of things are getting cheaper. Here's why you probably haven't noticed. The Federal Reserve will cut interest rates 6 times in 2024 as the economy shows clear signs of cooling down, ING says Opec+ now controls barely half of oil market, says IEA Surging U.S. Oil Production Brings Down Prices and Raises Climate Fears Should You Buy an Extended Warranty on Your Car? WSJ - Covid Slashed Consumer Choices. This Is Why They Aren’t Coming Back. This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario About Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

Wishing you a peaceful and uplifting MLK Day. Please enjoy this Best Of episode. Clark returns tomorrow with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The auto insurance industry is in a world of hurt and aggressively raising rates. Clark explains the factors involved and what you can do to help keep your costs down. Also today, life expectancy is a roll of the dice but generally, people are living longer. There’s a little known and very smart way to avoid outliving your money - longevity insurance.  Auto Insurance Bill Shock: Segment 1 Ask Clark: Segment 2 Longevity Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Best Travel Credit Cards: Top Rewards Picks for 2023 Marketwatch - Can you answer this crucial retirement-planning question? Most people can’t. Want to live to 100? "Blue Zones" expert shares longevity lessons in new Netflix series Clark.com: Longevity Insurance: What Is It and Do You Need It? How To Open a Roth IRA Clark.com - Best High-Yield Online Savings Accounts Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today -  Abandoned Places should NOT include your old 401(k). And big employers don’t want them. So new rules place this money at risk. Clark explains what’s happening now, and how to safely move your money. Don’t let it slip away!  Clark Stinks: Segments 1 & 2 Forgotten 401(k)s At Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an ABLE Account? Why Did My Car Insurance Go Up? Best Free Password Managers: 7 Top Picks How To Make Your Online Accounts Accessible When You Die Best 529 College Savings Plans By State Upside App Review: 6 Things To Know Before You Sign Up Your Old 401(k): Out of Sight, Out of Mind and Out of Money 401(k) Rollover: What You Need To Know & Options 3 Places You Should Never Invest Your Money Best Travel Credit Cards: Top Rewards Picks for 2024 Capital One Venture X Rewards Credit Card: 6 Things To Know Why Clark Thinks These Are the Best 2 Travel Rewards Cards The Platinum Card® from American Express Review Where To Buy the Best Cheap Printer Martin Luther King, Jr., National Day of Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The IRS has been in the news for waiving penalties from prior tax years AND people are getting surprise tax bills. That has brought about a slew of companies advertising tax debt relief. Know what applies to you, and why you shouldn’t take the bait for “debt relief”. Also in the news, the lawsuit against Vanguard over its target date funds is moving through the courts. Know what role TDFs play in your portfolio and where they should NEVER be placed.  Tax Penalty Changes: Segment 1 Ask Clark: Segment 2 Vanguard’s Target Date Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] IRS is waiving $1B in penalties. Beware of tax debt relief companies. IRS Zaps Nearly $1 Billion in Penalties for Taxpayers - The Wall Street Journal. Surprise Bill Coming to Those Who Underpay Taxes  When Should You Get an Accountant To Do Your Taxes? How to Freeze Your Child's Credit Should You Make Your Child an Authorized User on Your Credit Card? Is Pet Insurance Worth It? What You Need To Know Before You Buy How To Create a Will Online Living Will and Durable Power of Attorney: Frequently Asked Questions Clark Howard's 5-Point Annual Checklist You Should Follow Lawsuit Over Vanguard’s Target-Date Funds Can Proceed, Judge Rules Target Date Funds: Clark's Favorite Retirement Investment Frequently Asked Questions on Gift Taxes What Is a Roth 401(k) and How Does It Work? Best Budgeting Apps in 2024: Our Top 5 Clark.com resources Episode transcripts Community.Clark.com 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

Clark explains the real purpose of owning gold, and, should you decide to - the best way to include it as an asset. Also - One way to save money in the new year? Cancel subscriptions! Clark revisits subscription creep, and how streaming and other services can add up to big bucks. Many people forget to cancel free trials, and worse, many companies make it difficult to cancel.  GOLD! Yes Or No: Segment 1 Ask Clark: Segment 2 Subscription Creep & Streaming Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco sold more than $100 million in gold bars last quarter Clark Howard's Advice on Buying Gold Debt Archives - Clark Howard Best And Worst Homeowners Insurance Companies: December 2023 This metro woman built a tiny home and dumped her mortgage The high cost of subscription binges: How businesses get rich off you forgetting to cancel - USA TODAY  Americans Are Canceling More of Their Streaming Services The streaming wars reached a stalemate in 2023, but here are 6 trends that will define 2024  Axios: Hello TV bundles, our old friend New York Post: NY AG Letitia James sues SiriusXM: Service made it intentionally ‘hard to cancel subscriptions’ Clark.com - STREAMING TV Visible Deal: Unlimited Service for $20 Monthly for Two Years When Should You Get an Accountant To Do Your Taxes? Scams & Rip-Offs Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The big pharmacies are folding under the pressure of competitive pricing. How to insure you pay less for prescriptions. Also today, Clark updates the state of the economy and interest rates, with guidance on how savers can lock in higher rates for longer. He also has an important warning about how to spot fake CDs.  Rx Pricing Changes: Segment 1 Ask Clark: Segment 2 CD Rates & Saving Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes - CVS Says It Will Change the Way Its Pharmacies Are Paid WSJ.com: CVS Plans to Overhaul How Much Drugs Cost Axios: CVS' drug price transparency push  /  Axios: CVS blows up PBM model CVS is shaking up drug pricing. You can thank Mark Cuban Walgreens Launches Digital Tool To Help Save On Prescription Costs 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? What Is a 403(b) and How Does It Work? Target Date Funds: Clark's Favorite Retirement Investment How To Find and Claim Missing Money in Your Name Now May Be the Time to Lock In High Interest Rates on Your Savings What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in January 2024 FDIC.gov / 3 Places You Should Never Invest Your Money IntraFi Network Deposits: ICS and CDARS Services from IntraFi He Stole Hundreds of iPhones and Looted People’s Life Savings. He Told Us How. Apple's New iOS 17 Security Feature Blocks Opportunistic iPhone Thieves Apple unveils new security feature to safeguard against thieves Clark.com resources Episode transcripts Community.Clark.com 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

If you have holiday gifts you plan on taking or sending back, you need to know how return policies have changed, and act quickly. Clark explains. Also today, companies should emulate a recent move by a major airline to help employees with their finances.  Restrictive Return Policies: Segment 1 Ask Clark: Segment 2 Delta’s Emergency Savings Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: Retailers Enlist AI in Fight Against Returns Return Policies Have Gotten More Annoying This Holiday Season - The WSJ Holiday Returns: Guidelines and Return Dates for Major Retailers How To Get a Gym Membership for Practically Free Retirement Accounts Are the New Emergency Funds Delta offers employees $1,000 for emergency savings, 33,000 sign up The Best Place To Buy a Mattress Amica - Get a RV & Trailer Quote Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s a real danger of scams when job searching online. Clark let’s job hunters know what to look out for and the rules of the road to employment.  Clark Stinks: Segments 1 & 2 Job Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is the Highest Credit Score? What Is a Thrift Savings Plan? WSJ - Auto Dealers Find Savings by Buying Cars Off the Street Turo: 5 Things To Know About the Cheap Car Rental Service Capital One Walmart Rewards® Card: Get 5% Back on Online Purchases Best Credit Cards for Shopping Rewards (Clark.com) Is the Target RedCard Credit Card Worth? Searching for a job to work remotely? Avoid scams and identity theft Legitimate Work From Home Jobs – How to Find Them (Clark.com) Should I Prepay for My Funeral? Clark Howard's Important Advice on Funeral Planning Wills & Funerals Archives - Clark Howard SIPC - Securities Investor Protection Corporation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The resolution to spend less can yield multiple benefits and there are various approaches. Clark explores a method called financial fasting. Also today, the U.S. is slowly adopting a method to simplify taxes, used by most other developed countries. See if this free online direct tax filing service called Direct File could work for you. Financial Fasting: Segment 1 Ask Clark: Segment 2 IRS: Direct File: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Financial Fasting Can Trim the Fat From Your Spending What Is Umbrella Insurance and Do You Need It? How To Find Cheap Flights in 3 Easy Steps 13 States Sign On to IRS Direct File Pilot Program IRS plans to launch free tax filing pilot program in 13 states next year Will an IRS Tax Prep Service Replace H&R Block or TurboTax? 4 Things You Should Always Pack in Your Carry-On Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares good news about his favorite type of retirement account. Also in today’s show, advice for used car buyers includes new tax incentives that just went into effect.  New Roth IRA Limits: Segment 1 Ask Clark: Segment 2 The Used EV Tax Credit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Looking to save in a Roth IRA next year? Here's what you need to know. - from USA TODAY How To Open a Roth IRA IRS provides tax inflation adjustments for tax year 2024 Best 529 College Savings Plans By State 529 rollover to Roth IRA: A guide to conversion Visible Review: 5 Things To Know Before You Sign Up Visible vs. Verizon Wireless: Plans, Pricing, Data and More Edmunds: Best used electric vehicles under $25,000 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Community.Clark.com 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

We’re back and ready to talk about how you can save more, spend less, and avoid rip-offs in 2024! Up first - your cell phone bill! Cell phone rates are going up at twice the rate of inflation because we’ve gone from 4 national providers to 3. Clark has ways to help you SAVE. Also, know what to expect this year if you’ve been worried about paying tax bills on money received through Venmo, PayPal, Cash App, or other payment services. Save On Cell Phone Service: Segment 1 Ask Clark: Segment 2 Payment App Tax Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mobile phone bills up 5% over last year: doxo Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need CELL PHONES - Clark.com / STREAMING TV - Clark.com How To Watch the Top Video Streaming Services for Under $100 per Year Best Budgeting Apps in 2024: Our Top 5 IRS delays reporting rules for users of Venmo, Cash App and other payment apps How To Save Money With Google Flights Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, 20% of credit card users have heavy revolving debt, accounting for ¾ of the money banks make from cards. Few such users know their debt amount or interest rate, an oversight banks have exploited. If you’re carrying credit card debt, Clark has an assignment that could help you achieve being debt FREE.  Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show What is Dual Enrollment and How Much Does it Cost? Best Credit Cards for Shopping Rewards: Top Picks for 2023 Best Credit Cards for Groceries in 2023 2 Ways To Guarantee Yourself a Lifetime Stream of Income Heavy credit-card users are key in the Fed’s inflation battle How to Freeze Your Credit — Literally! Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Best 0% Intro APR Credit Cards: Top Picks for 2023 Citi Simplicity® Card Review 2022: A Worthy Balance Transfer Card Clark.com resources Episode transcripts Community.Clark.com 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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America’s Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I’ve had this black cloud looming over me’: How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com 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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com 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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.  Retirees Return To College: Segment 1 Ask Clark: Segment 2 Rent-To-Own Home Contracts: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why Retirees Are Going Back to College Flexcar: Your flexible alternative to car ownership T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts Authorized User vs. Joint Account Holder Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. How Do I Remove Myself as an Authorized User on a Credit Card? Rich Dad - The Power of the Corporation Clark.com resources Episode transcripts Community.Clark.com 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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Credit cards are a massive expense for businesses. The U.S. has the highest merchant fees in the world, so many merchants pass on the expense to customers. Clark tells you how Visa is fighting back, and what this all means for both merchants and consumers. Also today, Clark - aka The Man From Roth - shares the considerable merits of the ROTH versions of 401(k)s and IRAs. Roths are the superior choice, yet - underutilized.  Credit Card Surcharge Decisions : Segment 1 Ask Clark: Segment 2 Roth Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show Bodegas Put on Notice as Visa Fights Back on Card Surcharges Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card How to Get a Mortgage in 8 Steps Congress Ended a Tax Break. How That May Help Higher Earners. WSJ Roth vs. Traditional 401(k): What's the Difference? What Is a Roth 401(k) and How Does It Work? 14 of the Best High-Yield Online Savings Accounts in August 2023 Gym membership cancellation: Here's how easy it can be to get out How To Get a Gym Membership for Practically Free Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark explains the hybrid vehicle advantage and the difference between plug-in and regular hybrids.  Clark Stinks: Segments 1 & 2 Hybrids 101: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids How To Save Money With Google Flights Children & Infant Travel | Delta Air Lines Southwest Airlines offers expanded family boarding ages on some flights 5 Money Lessons From Clark Howard's Trip to Europe Amica: 10 Things To Know Before You Get a Policy ChexSystems   /   Order Your Innovis Credit Report How to Request Your Clarity Consumer File Disclosure - Clarity Services, Inc. Security Freeze - LexisNexis Risk Solutions Consumer Disclosure How To Freeze Your Credit With Experian, Equifax and TransUnion What Is Disability Insurance and How Does It Work? America’s top-selling car will soon come only as a hybrid Can a Burglar Jam Your Wireless Security System? - Consumer Reports Your Guide to DIY Home Security Systems What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com 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

Do you financially support your adult kids? This is a tough area. Clark shares some surprising statistics and offers some guidelines for parents. Also in this episode, do you pay attention to security warnings including data breaches, scams & digital vulnerabilities? Clark discusses what it takes for us to actually take security alerts seriously and act to protect our accounts.  Funding Your Adult Kids: Segment 1 Ask Clark: Segment 2 Security Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Kevin O'Leary: How I handle family members who ask for money and the one rule I always enforce Study reveals more than half of American parents in these 36 states shell out to support their adult children  How Does Your Credit Utilization Rank vs. Average U.S. Consumers? Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Best Free Password Managers: 7 Top Picks / How To Create a Safe Password How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion What Is a 403(b) and How Does It Work? Clark does not purchase extended warranties! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New stats reveal many Americans are tapping retirement accounts for cash shortfalls. There are safety valves that allow access to these funds pre-retirement but doing so erodes future wealth. Clark discusses where to draw the line when faced with this dilemma. Also today, positive changes from Apple include a texting fix that’s long overdue. Borrowing From Retirement Accounts: Segment 1 Ask Clark: Segment 2 Apple’s Texting Fix: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retirement Accounts Are the New Emergency Funds 529 rollover to Roth IRA: A guide to conversion E-ZPass Group - Home E-PASS - Central Florida Expressway Authority NYTimes: Apple Says It Will Improve the Green vs. Blue Texting Experience Why unexpectedly high ambulance bills are still a problem in the U.S. How to Find Airline Mistake Fares and Save Big on Airfare Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com 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

Many shoppers are into “dupes” - cheaper replicas of pricier products, especially clothing, cosmetics and accessories. So are they worth a try? A recent survey assesses quality vs savings on duplicate brands. Also today, Toyota was just fined for ripping customers off with car loans. But they’re not the only ones playing games in their finance offices. How to bypass this rip-off entirely.  Cheaper Duplicates Of Pricey Brands: Segment 1 Ask Clark: Segment 2 Car Loan Rip-offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 'Dupes' clothing, perfume craze lures holiday shoppers as major brands fret The Cheapest Places To Buy Contact Lenses The Best Places To Buy Eyeglasses Where To Get Cheap Eye Exams Toyota financing arm fined $60 million by consumer watchdog for car loan scam How to Buy a New Car in 5 Steps How to Buy a Used Car in 7 Steps  /  Best Used Car Websites in 2023 Fidelity Investments Review 2023: Pros & Cons Capital Gains Tax Rates for 2023 vs. 2024 Roth vs. Traditional 401(k): What's the Difference? Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com 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

Planning ahead means understanding available care for our aging selves and senior loved ones. Recent reports expose excessive fees imposed at assisted living facilities. Clark explains what to look out for and how to get legit help making placement decisions. Also today - something that is actually getting cheaper for you - audio books.  Assisted Living Fees: Segment 1 Ask Clark: Segment 2 Audiobook Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids NYTimes.com: Extra Fees Drive Assisted-Living Profits Desperate Families Search for Affordable Home Care How to Find a Geriatric Care Manager Aging Life Care Association How To Manage Your Monthly Subscriptions To Save Money 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Best 529 College Savings Plans By State 529 rollover to Roth IRA: A guide to conversion Audiobooks Just Got Cheaper—if You Know Where to Look-WSJ Free Audiobooks: 11 Places Online and Apps (Clark.com) Goodbye match, hello retirement benefit account? What IBM 401(k) change means Cancel for Any Reason Trip Insurance: Should You Buy It? Travel Insurance: What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, great news on a common device that can prevent cognitive decline by 46% - and it’s getting cheaper to buy every day! Clark Stinks: Segments 1 & 2 Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids 5 Things To Know About Series I Savings Bonds How To Dispute a Charge on Your Credit Card OTC hearing aids reduce cognitive decline by 48% Hearing Aids - Clark.com Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com 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

Tax season is around the corner. Clark wants to make sure you know about a government grant for retirement savers who meet the income guidelines. Also today - an important step you need to take if you’re thinking about buying into a homeowner or condo association.  Saver’s Tax Credit: Segment 1 Ask Clark: Segment 2 Assessing An HOA: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Saver's Credit: Who Qualifies for This Retirement Tax Break? Walmart+ Membership Program: 4 Things To Know What Is a Thrift Savings Plan? High-profile fights are taking aim at HOAs, but even greater challenges may lie ahead What Is Long-Term Care Insurance Cost & Coverage Should I Buy an Extended Warranty on Tires? TIRES - Clark.com Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares data affirming that affordability for first time home buyers is an ongoing challenge. So where’s the housing market headed next? What to know about home prices and interest rates moving forward. Also, Clark openly disdains the higher cost of food delivery. Now, many fine dine-in restaurants are offering a cost saving option.  HOLD! First Time Home Buying: Segment 1 Ask Clark: Segment 2 The Expansion Of Drive-Through Restaurants: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: What You Need to Earn to Own a Home in 50 American Cities Who Should Consider Setting Up a Trust? How To Find and Choose a Financial Advisor 7 Places to Get the Best Deals on Lab-Created Diamonds NYTimes: Hungry (but Not for Human Contact), Americans Head for the Drive-Through Clark.com resources Episode transcripts Community.Clark.com 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

What happens if a cruise line changes your itinerary or a tour company cancels? You may be out of luck. Hear Clark’s NEVER RULE on travel insurance. Also today, a price trend is your friend. Mattress oversupply means deals. But there’s a requirement you should adhere to when buying. Travel Insurance: Segment 1 Ask Clark: Segment 2 Mattresses Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Stuck with a $20,000 bill? Oceania guests struggle for refunds amid major cruise changes - USA TODAY Travel Insurance: What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? The Best Day and Time to Book a Cheap Flight I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? Global Entry: 5 Things To Know Before You Sign Up The WSJ: Sleep Number's 'Drastic Miss' Resulted in Drastic Marketing Measures The Best Place To Buy a Mattress / How Can I Get Rid of My Old Mattress Cheaply? How To Find and Claim Missing Money in Your Name Clark.com - Best High-Yield Online Savings Accounts Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The bad news on healthcare costs goes deep. Many are forgoing care, regardless of insurance status due to higher deductibles and copays. Clark explains the problem, the consequences, and what you can do to protect your health - and your wallet. Also today, great news for parents of college bound kids. There’s a new rule involving how parental assets affect a child’s eligibility for financial aid. Shop Healthcare: Segment 1 Ask Clark: Segment 2 Retirement & College Financial Aid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids High Healthcare Costs Can Cause Even the Insured To Skip Care 10 Ways to Save Money on Health Care Family Loans: How to Borrow From and Lend to Family What Is an ETF?   /   ETF vs. Mutual Fund: Which Investment Is Better? Saving More in a 401(k) Can Now Boost Your College Financial Aid - WSJ Best 529 College Savings Plans By State Easy way to cut the cost of your college degree in half Defending Your Fully Digital Wallet Against Fraud Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - do you ask for a credit score on the first date? People are approaching dating in more practical ways regarding financial stability. Clark discusses red flags and the importance of open communication around money from the get go.  Clark Stinks: Segments 1 & 2 Money And Dating: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Treasury Department aims to make it easier to get $7,500 EV tax credit in 2024 Automatic Bill Pay: How It Works and How To Do It Safely Should I Buy an AirTag for My Checked Airport Luggage? Are you leaving money on the table: How 1 in 4 couples is missing out on 401 (k) savings [The Washington Post] Forget the Cheesecake Factory. Here are real first-date red flags. Why women are turning the first date into a job interview Should You Make Your Child an Authorized User on Your Credit Card? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Capital One Venture Rewards Credit Card: Travel Credit Card Review Clark.com resources Episode transcripts Community.Clark.com 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

Inflation silver lining: New IRS tax brackets for 2024. By historical standards, tax rates are low - at 12% on average. Understand how this informs financial planning, from Roth IRA conversion to home buying. In an era of historically low tax rates, don’t fall for irrelevant “tax smart” pitches. Also today, a very scary reason why you should always receive paper statements or keep digital records for all financial accounts.   New Tax Brackets: Segment 1 Ask Clark: Segment 2 Financial Account Statements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Today in History - December 7 | Library of Congress Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 5.4% Should I Convert a Traditional IRA to a Roth IRA? How To Use Priceline To Save on Travel BBB-File a Complaint Return a Gift - Amazon Customer Service Clark’s Christmas Kids Why Banks Are Suddenly Closing Down Customer Accounts My Wells Fargo bank account was closed with no warning – I lost all my life savings but they said it didn’t exist The #1 Bill You Should Get by Mail What's the Best Place To Sell a Car in 2023? What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com 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

Bin stores, aka discount, surplus or salvage outlets - go by many names, but collectively serve an oversupplied retail market these days. Such stores specialize in selling returns and other troubled goods, offering a shortcut to lower prices. Also today, home insurance is a broken market in coastal areas, but one coastal state is adapting so well, premiums have decreased.  Bin Store Savings: Segment 1 Ask Clark: Segment 2 New Coastal Building Standards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s a bin store, and why should you check one out? Should I Tip on a Cruise?  Booking a Cruise? Here Are 5 Ways To Do It for Less Clark does not purchase extended warranties! Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It? The Coastal State Where Home Insurance Is Relatively Affordable - WSJ Some houses are being built to stand up to hurricanes and sharply cut emissions, too NYTimes.com: A Climate Change Success Story? Look at Hoboken. Home Insurers To Be Scrutinized In Climate-Risk Study The Best Places To Sell Your Cell Phone Clark.com resources Episode transcripts Community.Clark.com 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

Now is the time to Save More. Clark makes economic predictions based on global indicators, with advice for timing saving and spending to get the most from your money. Also in this episode, a long promised technology is finally being tested - Amazon drone deliveries.  2024 Deflation: Segment 1 Ask Clark: Segment 2 Delivery Drones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Right Now Is a Bad Time to Spend Money China Is Making Too Much Stuff—and Other Countries Are Worried Has Your Emergency Savings Stash Grown? It Might Be Time For A Reality Check How To Create a Safe Password Telly's free TV could shake up the entertainment business Treasury: Series I bond rate is 5.27% through April 2024 NYTimes.com: Look, Up in the Sky! It’s a Can of Soup! How To Spot and Avoid Gift Card Scams The National Foundation for Credit Counseling Home - Elliott Report Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com 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

Zelle has been a conduit for pretext scams costing consumers billions. 13 months ago, Zelle promised that by January of this year, they’d have consumer protections in place. Never happened - until now. Also today, as the value of travel points continues downward, Clark helps you determine if credit cards tied into airline & hotel providers are worth the high annual fees - and the cards that may serve you better. Zelle Reforms!: Segment 1 Ask Clark: Segment 2 Travel Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Payments app Zelle begins refunds for imposter scams after Washington pressure 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Popular Budgeting App Mint Is Shutting Down - Clark.com Best Budgeting Apps - Clark.com Turns out, the Equifax data breach was even worse than we thought How To Freeze Your Credit With Experian, Equifax and TransUnion Home Equity Loans & Lines of Credit: 7 Common Questions Answered One Mile at a Time: Southwest Points Will Be Worth Less In 2024 A new Southwest card bonus can get you halfway to Companion Pass status, which lets you fly a friend for free Southwest Credit Cards Offer Limited-Time Welcome Offer Boost -Clark.com Best Cash Back Credit Cards With No Annual Fee Best Travel Credit Cards: Top Rewards Picks for 2023 9 Ways To Save Money on Your Road Trip Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Who wants to be a millionaire? New data shows that 12% of American families are now millionaires. How they got there.  Clark Stinks: Segments 1 & 2 Becoming A Millionaire: Segment 3 Ask Clark: Segment 4 Mentioned on the show: DuckDuckGo — Privacy, simplified. WSJ.com: Never Mind the 1%. Mini-Millionaires Are Where Wealth Is Growing Fastest. Clark.com - Millionaires What Is an ABLE Account? How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com 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

Today, two very practical ways to prepare for your near and long-term future - doing a home inventory and saving for long-term care. Clark gets you prepared in case you ever need to make a home insurance claim, and then discusses the problems with the broken long term care industry. Learn what financial advisors recommend now, to plan for what 80% of older adults may someday need.  Home Inventory: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Digital Home Management and Why Is It Important? How To Store Your Important Financial Documents Online How Your Phone’s Camera Can Save You a Headache With Your Insurer Best Renters Insurance Companies and Ones To Avoid Actual Cash Value vs. Replacement Cost Value Coverage How Much Homeowners Insurance Do I Need? Best And Worst Homeowners Insurance Companies: October 2023 Are Money Market Funds a Safe Place To Stash My Savings? 3 Things Clark Says You Should Do With CDs Right Now Barrons.com: Most Seniors Will Need Long-Term Care. Here’s How to Save for It What Is Long-Term Care Insurance Cost & Coverage What Is an HSA Account and How Does It Work? Clark Howard’s #1 Rule Before You File an Auto Insurance Claim The American Community Survey: Is It Legitimate and Do You Have To Answer? Clark.com resources Episode transcripts Community.Clark.com 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

Clark has new evidence to back up something he’s long been in favor of - automatic enrollment in retirement savings plans. How some states are making saving for retirement automatic for the people. And how you can make it happen for yourself. Also, have you ever dreamed of retiring abroad to save money? Clark offers three main areas of consideration before making a decision. Automatic SAVING: Segment 1 Ask Clark: Segment 2 Retiring Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More states are offering auto-enrollment retirement plans, and they seem to be working Why automatic savings works: How to do it & the best ways to save How To Open a Roth IRA Are You Following Clark's Maximum Auto Loan Length Rule? Is the Privacy App Permission Slip Worth It? A Review Is a Costco Executive Membership Worth It? The Pros and Cons of Retiring Abroad Where Would Clark Howard Live if Not in the United States? Combating Spoofed Robocalls with Caller ID Authentication How To Stop Spam Calls for Good Top Travel Deals - Clark Howard / How To Find Cheap Flights in 3 Easy Steps Upside App Review: 6 Things To Know Before You Sign Up Clark.com resources Episode transcripts Community.Clark.com 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

One decision that will save you big money over time is to buy a used car instead of new. And there is good news along that front. Clark updates what’s happening with prices on both new and used cars. Also, airline boarding can be a big headache - inefficient and time consuming. Clark has the solution.  Used Car Prices: Segment 1 Ask Clark: Segment 2 Fixing Airline Boarding: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Report: 10 Used Cars With the Biggest Price Drops 10 Best SUVs You Can Buy Right Now Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? 14 Places To Listen to Free Music Online Airline boarding: how to end the game of thrones fight for baggage space Health Insurance Guide California could make it easier to scrub your personal data from the web. Businesses are pushing back Clark.com resources Episode transcripts Community.Clark.com 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

A recent court ruling could eventually change the landscape for realtors, bringing U.S. commissions in line with global standards. Also today, it’s beyond Clarkrageous that big banks still pay zip on savings. Clark tells you how to get the most from your savings via CDs. Realtor Court Ruling: Segment 1 Ask Clark: Segment 2 Best CD Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPDATE 4-US jury finds realtors liable for inflating commissions, awards $1.78 bln damages Real estate heavyweights ordered to pay $1.7B, but big questions remain in high-stakes lawsuit Jury Verdict Could Reduce Real Estate Commissions, Slash Agent Head Count How To Roll Over A 529 Plan To A Roth IRA How To Make Your Online Accounts Accessible When You Die What Is an HSA Account and How Does It Work? Best Investment Companies for Investors in 2023 Big Banks Are Making Huge Profits Off Today’s Savings Rates—Are You? Vanguard CD rates - from USA Today 3 Things Clark Says You Should Do With CDs Right Now 14 of the Best High-Yield Online Savings Accounts in November 2023 Renew my Passport Online What Is Umbrella Insurance and Do You Need It? Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.  Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs  Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Day! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA /  How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.   The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee /  CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. Rampant scams are now a global scourge, many now employing a tactic known as “pig butchering”. Clark shares a real life example and what you need to know. Also in this episode -Shocking new data reveals that most Americans are not on track for retirement. Our aspirations for early retirement don’t match up to how much is being saved for the future. Know how you can get on track for a more secure retirement.  “Pig Butchering” Scams Increasing: Segment 1 Ask Clark: Segment 2 Retirement Shortfalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show Out almost $80,000? Don't get scammed NYPost : Newly divorced mom scammed of entire $100,000 401k savings in Tinder ‘pig butchering’ scheme Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Home Equity Loans & Lines of Credit: 7 Common Questions Answered Start saving now, and you could have this much for retirement Retirement savings shortfall in America Clark.com - Saving For Retirement /  How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Best Investment Companies for Investors in 2023 Pension Benefit Information Notifies TIAA of MOVEit Data Breach Affecting Over 2.6 Million How To Freeze Your Credit With Experian, Equifax and TransUnion Capital One Venture Rewards Credit Card: Travel Credit Card Review Best Travel Credit Cards: Top Rewards Picks for 2023 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - First time home buyers face many challenges now, but as homebuilders also feel the crunch, there’s a shift in the housing market that may benefit you.  Clark Stinks: Segments 1 & 2 Homebuilder Incentives: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Good Credit Score? How to Find a Geriatric Care Manager / Senior Planning Is it safe to buy travel from a warehouse club like Costco? Clark's tips on saving for college Why 'Buy Now, Pay Later' Worries Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Global Entry: 5 Things To Know Before You Sign Up Homebuilders turn to incentives to draw in priced-out buyer pool Mortgages Archives - Clark Howard Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons So, you've frozen your credit: What to do next? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

How should couples handle money? Clark has some tried & true recommendations. Also, criminals are doing address changes on people with the postal service to steal their mail, with disastrous consequences. What you need to know about new USPS security standards.  Couples & Money: Segment 1 Ask Clark: Segment 2 USPS Change Of Address ID Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Joint Bank Accounts the Secret to a Happy Marriage? - The WSJ Common Cents: Bank Account Structure and Couples’ Relationship Dynamics Clark Howard's 5 Money Tips for Couples The Average Credit Score in America 4 Ways To Get Your Free Credit Score What Is a Good Credit Score? 5 Money Tips To Know Before You Travel Abroad USA TODAY: USPS address change policy requiring customers to verify identity Best Credit Cards for Students: Top Picks for 2023 Citi to Cardholders: Go Paperless or Else Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares recent research on the benefits of top tier gasoline. Also in this episode, do you get an annual raise? Some companies are going to forego those next year for some employees. What to do if you are affected.  Top Tier Gas: Segment 1 Ask Clark: Segment 2 Wage Increase Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Yahoo News: Who has better gas between Costco and Sam’s Club? Buying Gas From a Station on This List Is Better for Your Car 6 Things To Know Before You Buy Gas at Costco Wholesale How to find the best auto repair shops Most companies plan to give raises next year — just not to everyone. The strategy could backfire. What Is a Thrift Savings Plan? Clark.com - Streaming TV Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s getting cold out in many parts of the country. Clark has some good news on the home heating front. Also today - many insurance companies are purposely giving lowball offers for collision repairs. Clark has his own experience with this kind of dirty dealing. Know how to protect your wallet in the aftermath of an accident. Winter Heating Costs: Segment 1 Ask Clark: Segment 2 Auto Insurance Claim Rip-Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Here’s a Bill That Might Be Lower Than Last Year’s - The WSJ 10 Ways To Lower Your Heating Bill How To Save Money on Utilities The #1 Bill You Should Get by Mail New lending rule aims to boost first-time homebuying with potential rental income Insurance companies have discovered devious new ways to rip you off Popular Budgeting App Mint Is Shutting Down Best Budgeting Apps in 2023: Our Top 6 Your voice matters: T-Mobile backtracks on price migrations during Q3 earnings Techdirt: T-Mobile Backs Off Price Hike They Pretended Wasn't A Price Hike Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The last three years have been the worst for doing traditional portfolio mixes of stocks & bonds. This brings forth “recency bias”. Clark discusses the state of the economy and how bonds fit into your portfolio. Also, self-driving cars have sparked a lot of debate. Are they ready for prime time?  Bonds Are A Deal: Segment 1 Ask Clark: Segment 2 Self-Driving Cars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds It’s Time to Stop Crying About Bonds and Buy Them Instead Bond markets are being hit hard — and it's likely to impact you Why is the US economy so resilient? Should You Ever Decline a Credit Limit Increase? How To Increase the Credit Limit on Your Credit Card GM halting driverless car service nationwide after California ban Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about some of the perils of self-checkout and the new fully automated stores.  Clark Stinks: Segments 1 & 2 Fully Automated Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy a Used Car in 7 Steps 10 Ways To Save Money on Car Insurance 401(k) Match: What Is It, How It Works Axios: Chamblee market says no checkout, no cashier, no problem How To Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit How To Dispute a Charge on Your Credit Card Submit a complaint | Consumer Financial Protection Bureau Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Phone scams are proliferating, especially those using AI technology. Some current text scams are exploiting increased deliveries around the holidays. Clark explains what to look out for, and how to avoid getting taken. Also, the big pharmacy chains are closing locations all over the place right now. Get Clark’s perspective, plus a review of how to save more on prescription drugs. New Phone Scam Alerts: Segment 1 Ask Clark: Segment 2 Pharmacy Closings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Scams: 5 You Need to Beware Of Now Scammers exploit Bitcoin ATMs. Will new California laws help crack down on fraud? Scam Alert: Texts about delivery issues that ask you to click on a link are fake, USPS warns   How To Establish Your Own Side Hustle  /  SideHUSL.com CVS, Walgreens and Rite Aid are closing thousands of stores. Here’s why [The Washington Post] Drugstore closures are leaving millions without easy access to a pharmacy   10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? What's the Gift Tax Exclusion for 2023? How To Dispute an Error on Your Credit Report and Win Information about Organ, Eye, and Tissue Donation Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark tells you how Airbnb‘s legal battles and new restrictions affect both customers and landlords. Also in this episode, there are extreme changes going on in the jewelry business that can save you a fortune!  Short-term Rental Restrictions: Segment 1 Ask Clark: Segment 2 Lab Created Diamonds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TN Supreme Court delivers partial win for Airbnb in legal disputes with HOAs - USA TODAY 4 Ways To Stop Junk Mail [The Washington Post] Will you take this (lab-grown) ring? Prada hopes so. How 2023 became the year of the lab-grown diamond Clark.com - Cell Phones Should I Keep My Old Car or Buy a New Car? How To Plan a Trip: Clark's Best Travel Tips To Save Money Costco Travel: 5 Things To Know Before You Book How to Make a Disposable Razor Last 12 Months Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Are you unintentionally giving yourself a pay cut? 25% of American couples are. How couples can make sure they are balancing retirement savings. Also, good news around teen driving safety, and good advice for adult drivers.  Retirement Savings For Couples: Segment 1 Ask Clark: Segment 2 Teen Driver Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are you leaving money on the table: How 1 in 4 couples is missing out on 401 (k) savings -USA TODAY What Is a Spousal IRA and What Are the Rules? Should I Buy an AirTag for My Checked Airport Luggage? 4 Things You Should Always Pack in Your Carry-On Turo: 5 Things To Know About the Cheap Car Rental Service Report: Young driver fatality rates have fallen sharply in the US, helped by education, technology 5 Major Bills You Can Lower This Month Costco Car Buying Program: 4 Things To Know Before You Sign Up The Best Car-Buying Services in 2023 Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Feasting season is upon us. New data on food prices brings good news for smart shoppers. Clark has some great advice on saving more at the grocery store. Also - restaurant food can be more expensive when ordering on apps or with food delivery. How to get more for your restaurant dollars.  Grocery Savings: Segment 1 Ask Clark: Segment 2 Food Delivery Upcharges: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Food Is on Sale Again. You Might Still Have Sticker Shock. - The Wall Street Journal. Walmart, Aldi lowering Thanksgiving dinner prices for holiday season - USA TODAY  4 Insurance Policies You Actually Need (and 6 You Don't) Chick-fil-A reportedly agrees to $4.4 million settlement over delivery price upcharges -USA TODAY Do I Need Travel Insurance for Flights? And Should I Buy Separate Insurance for Each Part of My Trip? Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It? Elliott Report: Home Wills & Funerals Archives - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, approaching Veteran’s Day, Clark has valuable info for those who serve or have served in our military about scams aimed at veterans, and deals available to veterans.  Clark Stinks: Segments 1 & 2 Deals For Veterans + Scam Alerts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash 10 Ways To Save Money on Car Insurance 5 Credit Card Mistakes To Avoid How to Buy a Used Car in 7 Steps CarMax Review: 5 Things To Know Before You Buy or Sell Veterans Should Look Out for These Scams Clark.com Military guide Clark.com 25+ places that offer discounts for veterans Best Cash Back Credit Cards With No Annual Fee The Business Model of Reinsurance Companies Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark tells you why it may save you money to rethink how you use your dishwasher and washing machine. Also in this episode, we’re getting hit with tip requests from all new places. What are the rules now? Clark shares his ideas about this and some general guidelines.  Saving Water & Energy: Segment 1 Ask Clark: Segment 2 Tipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] Experts say don’t pre-rinse your dishes. We put that advice to the test.    Best Cash Back Credit Cards With No Annual Fee Best Travel Credit Cards: Top Rewards Picks for 2023 Best Airline Credit Cards for 2023: Are They Right For You? A Modern Day Guide to Tipping Holiday Tipping: Who To Tip and How Much How to Freeze Your Child's Credit Submit a complaint | Consumer Financial Protection Bureau What is a Passport Card? - Travel.gov Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Season of Giving means donation requests coming from all sides. Clark helps you tell the legit charities from the crooks. Also, you may have noticed that affordable furniture often is not made to last these days. Some items are basically disposable. Get Clark’s take on how to find quality furniture for low prices. Wise Charitable Giving: Segment 1 Ask Clark: Segment 2 On Furniture: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to make sure your donations count when weather disasters strike Clark.com How To Choose the Best Charities for Your Donations Clark.com - Car Rentals Best Investment Companies for Investors in 2023 [The Washington Post] Why furniture got so bad How To Freeze Your Credit With Experian, Equifax and TransUnion Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s an industry wide problem in the travel industry. Clark explains the danger you face when searching for travel deals online. Also today, Clark discusses how hospital systems drive up costs and how to save money on medical procedures. Bogus Travel Sites: Segment 1 Ask Clark: Segment 2 Save On Medical Procedures: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hotel deals harder to find as third-party travel sites mirror each others' rates Is Amazon Prime Worth It? 12 Common Amazon Scams To Avoid Clark Deals - Today's Best Deals of the Day Are Your Hospital Outpatient Department Costs Too High? A Doctor's Office May Help How To Open a Roth IRA How Many Credit Cards Should I Have? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com 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

Clark explains what can happen when you use the same password on multiple websites. Also today - Reportedly timeshares are making a comeback among younger travelers. Clark drivers the truth about timeshares Password Safety: Segment 1 Ask Clark: Segment 2 Timeshares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] Worried about the 23andMe hack? Here’s what you can do. Car Insurance Archives - Clark Howard Homeowners Insurance Archives - Clark Howard Target Date Funds: Clark's Favorite Retirement Investment How To Sell, Cancel or Get Rid of Your Timeshare Timeshares - Clark.com TRICARE Young Adult Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - New reporting indicates that some credit unions are not behaving in the way that represents their members. Clark explains what you need to know about the superior choice for banking: credit unions.  Clark Stinks: Segments 1 & 2 Credit Unions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check Top Travel Deals - Clark Howard Clark's National Travel Deals - Clark Howard How much does real estate agent experience matter? Here’s what the data says. Credit Unions Are Making Money Off People Living Paycheck to Paycheck Credit Union vs. Bank: What's the Difference? Virtual Credit Cards: An Online Security Measure Worth Taking? Elliott Report Clark.com resources Episode transcripts Community.Clark.com 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

Fake sales are standard practice but especially abundant during the holiday season. Learn how promotional merchandise works to trick consumers into thinking they’re getting deals & how to tell a real bargain from a fake one. Also today - It’s a brutal housing market for would-be first time buyers. Renting & waiting is a viable alternative. Those needing to go ahead and buy now have more choice from new construction, and several avenues to explore to make a home purchase more affordable, including ARMs & ADUs. Retail Mind Games: Segment 1 Ask Clark: Segment 2 Home Buying Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retailers are using a simple mind trick on you to make their discounts seem bigger than they are  Disney World and Disneyland raise prices for passes and tickets Google Play - Property Assistant by Flyreel The Real Reason Why Your Insurer May Not Renew Your Policy Axios:Charted: Homebuyers' call to ARMs Tiny Homes Are the Hot New Homeowners’ Accessory - WSJ How To Buy a House in 9 Steps / Is It Safe To Buy a Home Out of Foreclosure? Best 529 College Savings Plans By State Simple Interest vs. Compound Interest: The Main Differences How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com 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

Finding a financial advisor who won’t rip you off is tricky business. Clark shares some new ways to find your true fiduciary. Also, get the update on Walmart’s innovative in-store healthcare facilities. Financial Advisors: Segment 1 Ask Clark: Segment 2 Walmart Health Centers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Financial Advisor and Do I Need One? Advice-Only Network  /  Flat Fee Advisors Should I Purchase Mortgage Life Insurance? What Is Mortgage Protection Insurance and Do You Need It? How To Buy Term Life Insurance in 7 Easy Steps Walmart expands online healthcare benefits for US employees Senior Care: Planning for the Future What Brokerage Do You Recommend for First-Time Investors or Kids? How To Open a Roth IRA When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com 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

Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played.  What Super Savers Know: Segment 1 Ask Clark: Segment 2 Seeing Dark Patterns Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here are the top sacrifices made by 'super savers' The Millionaire Next Door How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? How to Buy a Used Car in 7 Steps Why You Might Want To Dump Your Delta Credit Card Now Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation 7 Things To Know About the Venmo Credit Card Clark.com resources Episode transcripts Community.Clark.com 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

Great news on junk fees, especially when buying concert tickets and booking travel online. New rules will simplify comparison shopping online. Also, AI has shown its potential to be very helpful in many ways. Unfortunately, it’s being used for more sinister purposes that you need to know about.   Junk Fee Transparency: Segment 1 Ask Clark: Segment 2 Beware AI Fakes: Segment 3 Ask Clark: Segment 4 Mentioned on the show What you see is what you’ll pay: New law bans ‘junk’ fees on hotel bills, concert tickets, etc. ‘Spending Money to Get Nothing’: The Latest on Resort Fees Opt Out of T-Mobile’s Upcoming Plan Migration Using These Steps T-Mobile’s Forced Plan Migration: How To Opt Out Auto Europe® Car Rentals - Official Site Tom Hanks Warns of Dental Ad Using A.I. Version of Him [The Washington Post] AI voice clones mimic politicians and celebrities, reshaping reality What Is Umbrella Insurance and Do You Need It? What Are Index Funds? Ask Clark: What Is a Backdoor Roth IRA? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about why Buy Now Pay Later, aka Pay in 4 services, have become a disaster for so many, especially Gen Zers.  Clark Stinks: Segments 1 & 2 Pay In 4 Is A Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Airline Credit Cards for 2023: Are They Right For You? Select Delta Customers Will Receive a Valuable New Credit Card Perk Cruises for Singles and Solo Travelers Investors criticize federal retirement savings program over new system AnnualCreditReport.com / 4 Ways To Get Your Free Credit Score Safely Order High Security Checks Online - Costco Checks Sam's Club Checks - High Security Checks Costco vs. Sam's Club: What Is the Difference? 10 Best New Products at Costco in October NYTimes: Gen Z Is Poised to Spend More on Debt Than Others. It Could Derail Retirement.   Buy Now Pay Later users: young and well-off but nearing a financial cliff, poll shows New York Fed: Many Buy Now, Pay Later users are financially fragile Vanguard Personal Advisor Review Elliott Report Member's Mark Luggage at Sam's Club Clark.com resources Episode transcripts Community.Clark.com 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

Today Clark goes Back To Basic on auto insurance. Due to gigantic premium increases, more people are going without or buying minimums, which can be risky. Learn what coverage you’ve GOT to have, and how to make decisions regarding collision, comprehensive, and deductibles. Once you figure your coverage, you’re ready to shop insurers. Also, end of life discussions are not easy to initiate, but talks about your own or an aging loved one’s end-of-life care and burial arrangements - making wishes known - deeply benefit all concerned. Determine Your Auto Coverage: Segment 1 Ask Clark: Segment 2 End-Of-Life Talks: Segment 3 Ask Clark: Segment 4 Mentioned on the show 10 Ways To Save Money on Car Insurance Collision vs Comprehensive Car Insurance: Which Do You Need? Liability vs. Full Coverage: Which Auto Insurance Do You Need? Bluebird AMEX Prepaid Debit Account Agreement International Travel Tips: 26 Things to Know Before Going Overseas Why You Should Keep Old Credit Card Accounts Open Stop putting off the end-of-life talk with your aging loved ones. Here's what to say What to Discuss With Your Aging Parents as They Get Older Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard When Do You Need a Travel Agent? The Only Way You Should Pay for a Cruise Travel Insurance? What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com 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

Do you use autopay for credit card bills? If so, Clark has a warning for you. Also, life is about change and that’s surely evident with jobs & career opportunity. Clark looks at the fastest growing jobs today, including college requirements and average pay.  Credit Card Autopay Warning: Segment 1 Ask Clark: Segment 2 Job Growth Fields: Segment 3 Ask Clark: Segment 4 Mentioned on the show Autopay Is Making Us Worse at Managing Credit-Card Bills - The Wall Street Journal. Automatic Bill Pay: How It Works and How To Do It Safely Clark Howard's Advice Before You Buy a Franchise Watch out for Avis/Budget Fuel charges [Crazy customer support call experience] Here are the best high-paying and fast-growing jobs for the next decade Healthcare.gov What Is an HSA Account and How Does It Work? How To Switch Banks in 4 Simple Steps Clark.com resources Episode transcripts Community.Clark.com 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

Have you given up on guarding your data & privacy online? Help has arrived. Clark reviews a new app from Consumer Reports that works to delete or minimize your digital footprint, managing online privacy for you. Also in this episode, first hand observations on Uber vs. Lyft.  Privacy App- Permission Slip: Segment 1 Ask Clark: Segment 2 Uber Vs. Lyft: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Overwhelmed trying to protect your privacy? A new app does it for you.  The Atlantic’s Guide to Privacy California Consumer Privacy Act (CCPA) / State Right to be Forgotten Policy Judge Delays CA Data Privacy Law to 2024, says Consumer Watchdog Callable Certificate of Deposit (CD): What it Means, How it Works Best CD Rates for October 2023 - Up to 5.67% - Bankrate Clark.com - Best High-Yield Online Savings Accounts Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases China price pressure offers hope of Christmas cheer for western shoppers 9 New Cell Phone Deals in October How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s become easy for burglary rings to break into hotel rooms, but there’s also an easy way to protect yourself. Also today, updates on Amazon regarding federal allegations, the Amazon internet service launch, and what consumers need to know about both.  Hotel Room Break-Ins: Segment 1 Ask Clark: Segment 2 Amazon Updates: Segment 3 Ask Clark: Segment 4 Mentioned on the show Caution: Criminals in California Use Insider Device to Break Into Hotel Rooms - Here's How to Protect Yourself Vacatia - Rent A Timeshare Inside Project Nile: Amazon's secret AI-powered plan to change the way you shop online. The first two Amazon Kuiper satellites are set to launch on October 6 Clark.com - Amazon Report: The #1 Internet Provider in America Going™ | Formerly Scott's Cheap Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, many a tale of woe proves the point: It’s important to have beneficiaries up to date and to understand which takes precedence - a beneficiary designation or a will and trust. Clark Stinks: Segments 1 & 2 Update Your Beneficiaries: Segment 3 Ask Clark: Segment 4 Mentioned on the show AutoSlash Review: How To Save on a Rental Car How To Make Your Online Accounts Accessible When You Die What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? Safe Browser Alternatives That Promise Not To Track You Wills & Funerals Archives - Clark Howard Wills versus Trust - Clark Howard Community Who Should Consider Setting Up a Trust? Best Online Will Maker: 5 Free or Cheap Options We Just Got Married. How Do We Blend Our Finances? What Is Long-Term Care Insurance Cost & Coverage Senior Care Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

Scams persist, ubiquitous & unabated. So must our warnings!  Be hip to the latest ways crooks are trying to separate you from your money. Also in this episode - prenuptial agreements are more common these days. Why Clark has a hard time talking about them, and some of  the circumstances that warrant this legal arrangement.  Be SCAM Aware: Segment 1 Ask Clark: Segment 2 Prenups: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYT - You’ve Got (Scam) Mail Actors Impersonating Federal Agents Called Seniors. About 12% Handed Over Sensitive Info. How to avoid the No. 1 text message scam putting your money at risk 22 Ways To Save Money on Groceries Flexcar: Your flexible alternative to car ownership Axios: America embraces prenups: 50% of adults open to signing BBB - Amica Mutual Insurance Company Best Auto Insurance Companies and Some of the Worst: September 2023 Someone got so fed up with GE fridge DRM – yes, fridge DRM – they made a whole website on how to bypass it Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares new work-from-home statistics and how that is shifting businesses. Also in this episode: When it comes to your investments, knowing what the fees are in the funds you choose is crucial. The fee difference can translate into huge money you could miss out on in retirement. So investors, Clark has an assignment for you!  Working From Home: Segment 1 Ask Clark: Segment 2 Index Fund Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios Chart: Who works from home Even a Booming Economy Can’t Save Atlanta’s Office Market Workplace loneliness is the modern pandemic damaging lives and hurting businesses — The Conversation What Is Umbrella Insurance and Do You Need It? What Are Index Funds? / What Is an ETF? You Might Be Paying Too Much for That Index Fund - The Wall Street Journal. Why You Should Never Invest With a Bank 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2023 How To Open a Roth IRA Best Cash Back Credit Cards With No Annual Fee Best Small Business Credit Cards: Top Picks for 2023 Should You Get a Business Credit Card? | When is it Worth it? What Should You Do About Phone Data on an International Trip? The Best Places To Buy Unlocked Phones The Best International Phone Plans International Travel Tips: 26 Things to Know Before Going Overseas Clark.com resources Episode transcripts Community.Clark.com 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

When buying or selling a home, your choice of a real estate agent is much more important than you may think.  Also today, Clark has good news on the new car purchase front - but it’s a double message. Get the lay of the land on current cost considerations if you’re in the market for a new vehicle.  Choosing A Real Estate Agent: Segment 1 Ask Clark: Segment 2 Buying A New Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show How much does real estate agent experience matter? Here's what the data says. The Clark-Approved Way To Invest in Real Estate The Only Reason You Should Make an Improvement to Your Home Annual New Car Ownership Costs Boil Over $12K The Rising Costs of Owning a Car How much does it cost to raise a child? College may no longer be the biggest expense. Clark.com - How to Buy a New Car in 5 Steps Clark.com - How to Buy a Used Car in 7 Steps Costco Auto Program: Deep Discounts on Volvos and Audis Deep Discounts on New Mercedes Benz Cars Should I Keep My Old Car or Buy a New Car? Fidelity Personalized Planning & Advice Review Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com 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

Today Clark puts interest rates in perspective, discussing where they’re headed and the impact of the national debt on rates.  Also today: The home reliability market for power. Utility scale batteries are providing more reliable, lower cost backup power. And batteries are paying a role for home interruptions as well. What to know about battery alternatives to diesel & whole house generators Interest Rate Assessment: Segment 1 Ask Clark: Segment 2 Home Battery Generators: Segment 3 Ask Clark: Segment 4 Mentioned on the show Once Unthinkable Bond Yields Now the New Normal for Markets 9 Best Free Checking Accounts in October 2023 What Are Repositioning Cruises and Why Take One? Giant Batteries Helped the U.S. Power Grid Eke Through Summer Should I Rent My Roof To a Solar Panel Company for Income? Community Solar worth it? - Clark Howard Community Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, as a prolific energy producer, US prices tend to be lower than elsewhere in the world. Yet, here comes that high power bill. The good news is, there are several improvements you can make to reduce the amount of energy needed for heating & cooling.  Clark Stinks: Segments 1 & 2 Lower Heating Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show Should You Buy an Extended Warranty on Your Car? Why We’re Pulling Our Recommendation of Wyze Security Cameras Clark Howard's 4 Travel Rules You Should Follow Right Now Should I Buy an AirTag for My Checked Airport Luggage? Big Change Announced for Fidelity® Rewards Visa Signature® Credit Card Is Medical Tourism Right for You? [The Washington Post] How to use window coverings to boost your home’s energy efficiency  10 Ways To Lower Your Heating Bill   /   How To Save Money on Utilities Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Best 529 College Savings Plans By State Where Should I Look for a Great Deal on a Cruise in 2023? When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s now easier than ever to monitor your credit reports for free, but there are a few pitfalls to be aware of. Also in this episode - Living in an HOA community is a choice about 1/4th of homeowners have made. Homeowners associations can be great, but can also pose problems. Believe it or not, you can lose your home to one if you’re not careful.  Free Credit Reports: Segment 1 Ask Clark: Segment 2 Homeowners Associations: Segment 3 Ask Clark: Segment 4 Mentioned on the show Credit Bureaus Announce Big Changes for Credit Reports How To Monitor Your Credit / Dispute an Error on Your Credit Report and Win 4 Ways To Get Your Free Credit Score Credit Karma Review: Free Credit Score and More at Your Fingertips The Jello Exercise - YouTube Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society How Do I Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? When the Homeowners Association Comes for Your Home Why You Need To Re-Shop Your Car Insurance Right Now What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s a frustrating game - appealing a denied medical claim. They’re counting on you to give up. Don’t. Clark shares the best approach and strategies. Also, housing market conditions remain hostile for first time home buyers. Some sources say now is the time to buy. Clark offers a different opinion, and direction moving forward.  Health Insurance Claim Appeal: Segment 1 Ask Clark: Segment 2 First Time Home Buyers: Segment 3 Ask Clark: Segment 4 Mentioned on the show I Set Out to Create a Simple Map for How to Appeal Your Insurance Denial. Instead, I Found a Mind-Boggling Labyrinth. What Should You Do if Your Insurance Claim Is Denied? Health Insurance Guide / Health Insurance Archives - Clark Howard 10 Ways To Save on Prescription Drugs 40% More Savings on Nearly 200 Medications at Walgreens with GoodRX A 3% Mortgage Rate in a 7% World? This Startup Says It Can Do That Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com 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

Out of the massive and ongoing losses of the pandemic, many people reassessed their lives and livelihoods. This reset has led to a wave of new businesses. Clark discusses how this is outstanding for the American economy, the hope and hazard of entrepreneurship - and the upstart scammers that startups must look out for. Also today, are you obsessed with your fitness devices? This can become a problem for some… including Clark.  Small Business: Pride & Peril: Segment 1 Ask Clark: Segment 2 Fitness Devices: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Pandemic Small-Business Boom Is Fueling the US Economy Vetting a business or coaching opportunity before you buy in How To Find and Choose a Financial Advisor Your Fitbit and Apple Watch may wind up hurting you Yes, your smart TV is spying on you – Here's how to stop it Save $30 with a new Costco membership Homeowners Insurance Archives - Clark Howard California changes homeowner's insurance to repair the market Clark.com resources Episode transcripts Community.Clark.com 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

October holiday shopping is Clark Smart this year. Clark surveys the retail landscape with money saving strategies involving bargain product categories. Early birds SAVE MORE!  Also today - how we pay for things continues to change. As the use of cash & checks fades into history, modern forms of payment are evolving into biometrics. Electronic methods often mean we lose track of our spending. Not cool.  Holiday Shopping: Segment 1 Ask Clark: Segment 2 E-Spend Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Factbox: U.S. retailers unveil hiring plans ahead of holiday shopping season Christmas is on hold: Stores’ holiday hiring plans are the lowest since 2008 Amazon’s New Challenge: Bargain Retailers That Are Playing a Different Game Christmas shopping starts earlier every year – here's why, and how to shop smart — The Conversation Planning To Spend Less on Gifts This Holiday Season? Join The Club Clark Deals - Today's Best Deals of the Day Amazon.com faces an array of US consumer, state antitrust lawsuits Why You Might Want To Dump Your Delta Credit Card Now Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Why Clark Howard Added This Credit Card to His Wallet in 2022 Paper checks are dead. Cash is dying. Who still uses them? Airline consolidators  / The Complete Guide to Business Class Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Something else stinks - Medicare advantage plans! Clark explains the Medicare advantage plan trap in existence in most states.  Clark Stinks: Segments 1 & 2 Medicare Dis-Advantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Fi Wireless Review: Things To Know Before You Sign Up Longevity Insurance: What Is It and Do You Need It? 2 Ways To Guarantee Yourself a Lifetime Stream of Income What Is an Annuity, and Why Does Clark Think They Stink? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Why Clark Howard Added This Credit Card to His Wallet in 2022 Many Medicare Advantage Members Find Challenges With Plans, Survey Finds Why I Think Medicare Advantage Plans Stink - Clark Howard Here Are Your Home Warranty Horror Stories What Does a Home Warranty Cover, and Is It Worth The Money? Clark Howard's Guide to Saving Money on Your Wedding Free Audiobooks: 11 Places Online and Apps Clark.com resources Episode transcripts Community.Clark.com 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

Clark explains how the credit card reward game goes through cycles, and where we are now in terms of you applying for credit. And with interest rates high, if you do carry debt, know the best kind of card to use.  Also today - fees are creeping into everything! Get Clark’s warning about new online shopping fees you could easily miss. Credit Card Offers & Interest: Segment 1 Ask Clark: Segment 2 Junk Fees Are Morphing: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Ways Credit Union Credit Cards Can Beat Flashy Bank Offers Credit Card Offers Are Eroding The most insidious part of online shopping is about to get even worse Safe Browser Alternatives That Promise Not To Track You Brave: Secure, Fast, & Private Web Browser with Adblocker Get Firefox browser — Mozilla (US)  /  DuckDuckGo — Privacy, simplified. How To Freeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com 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

One of the best decisions you can make is to start saving for retirement early. Clark discusses the psychology behind saving. Also, pharmacy errors have become all too common and can cause great harm. Clark has an important tip to help make sure you’re getting the correct medication.   Get Psyched For Saving: Segment 1 Ask Clark: Segment 2 Pharmacy Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ.com: The Secret to Saving for Retirement: Start Before You’re 20 How Our Brains Affect Our Savings Habits -- and What Experts Say to Do About It If you start early and save this much a month you could have a decent retirement Bloomberg Industry Group: Benefits & Executive Compensation News: Retirement Savings Shortfall in US Will Cost $1.3 Trillion Cheapest Way to Rent a Car: Expert Tips Turo: 5 Things To Know About the Cheap Car Rental Service Pharmacies fight to keep errors secret How To Find and Choose a Financial Advisor What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com 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

September 26   Professor Clark: Credit Scores 101  /  Smart Borrowing For Small Business Clark provides a 101 refresher on credit scores. Even if you don’t need to borrow, there are valid reasons to pay attention to your score. Hear about the variety of score models and how to keep your overall score healthy. Also, changes in the banking sector have made it hard for small businesses & entrepreneurs to obtain working capital. Clark shares the best approaches, from local banks and credit unions, to credit cards - plus a warning about fintech instant loans.  Credit Score Reset: Segment 1 Ask Clark: Segment 2 Small Business Cash Flow Needs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Don't Need an 800 Credit Score  /  How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide  /  4 Ways To Get Your Free Credit Score Credit Score Tips: Expert Helps Take Your Score From Good to Great Is Apple Card Worth It? 5 Things To Know in 2023 Small-business owners say it’s hard to get a loan and fear more challenges ahead The Basics of Forming a Limited Liability Company (LLC) Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Petal Card Review: A Good Option for First Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The vehicle market is going through a slow, steady healing process. Inventory is up. In light of the UAW strike, Clark discusses pricing for both new & used automobiles. Also today, Clark explains how Delta, United and American airlines actively devaluing their frequent flyer programs - is actually good for travel consumers. Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Devalued Miles: Segment 3 Ask Clark: Segment 4 Mentioned on the show Buying a car? What the UAW strike means – and doesn’t mean – for auto sales Wall Street Bet Big on Used-Car Loans for Years. Now a Crisis May Be Looming. I Don’t Like My Car but I’d Be Upside Down if I Traded It In. Is There Anything I Can Do? 7 Cheapest Cities To Buy a Used Car How Do I Find a Mechanic To Inspect the Car if I Find a Used Vehicle Hundreds of Miles Away? Student Loan Payments Are Restarting: 4 Things To Know SAVE Repayment Plan Offers Lower Monthly Loan Payments 9 Ways To Pay for College Without Student Loans [The Washington Post] A golden era of airline status is ending Points Guy - Delta SkyMiles changes: Airline overhauls how you earn Medallion status in biggest change yet Why You Might Want To Dump Your Delta Credit Card Now (Clark.com) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - your privacy online. Europe's Digital Service Act is changing the online experience. Many of us are ignoring new privacy reminders. Clark explains why we’re seeing these, and why you should respond. Clark Stinks: Segments 1 & 2 Enhanced Online Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show 8 Tips for Staying Cool Without Heating Up Your Energy Bill Travel Insurance? What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Apple Recycling Programs [The Washington Post] What the E.U.’s sweeping rules for Big Tech mean for your life online Privacy Archives - Clark Howard Who Should Consider Setting Up a Trust? Reasons To Consolidate Retirement Accounts Clark.com resources Episode transcripts Community.Clark.com 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

Clark.com provides in-depth coverage of cell phone plans, including pre-paid options. While the big 3 push higher bills at a time of marginal growth, 1 in 4 customers have gone to discounters. There are so many new cell phone plans out there - consider switching to save big bucks. Something else that can save  big money is to travel to a foreign country for dental care. This potential alternative is an important, individual, research based choice. Prepaid Phone Plans: Segment 1 Ask Clark: Segment 2 Dental Tourism: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need Why You Should Consider a Prepaid Phone Plan Fierce Wireless - AT&T launches new prepaid plan at Walmart, Target Cricket Wireless: New Multi-Month Unlimited Plans From $30/Month Cricket Wireless Review: 5 Things To Know Before You Sign Up Clark Howard's Guide to Saving Money on Your Wedding How a Tiny Mexican Border City Built a Budget Dental Empire - Bloomberg Clark.com - Is Medical Tourism Right for You? Best 529 College Savings Plans By State Families can make a tax-free rollover from 529 plans to Roth IRAs in 2024 Clark.com resources Episode transcripts Community.Clark.com 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

There’s a brewing war between food delivery services and restaurants and it’s costing customers. Clark discusses the big price difference between food delivery vs pickup or dining in, and the embedded cost of using food apps. Also, due to the unreliability of flight schedules, more people are driving to destinations they can reach in 8 hours or less. As an alternative, there are more discounted bus service options today to consider. A look at regional bus radial routes may save you money on travel Food Delivery Costs: Segment 1 Ask Clark: Segment 2 Bus Travel: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Who Should Eat the Cost of Pricier Delivery Menus? Food Delivery - DoorDash UberEats etc - Clark Howard Community What Is a Spousal IRA and What Are the Rules? 5 Things to Know About the Costco Car Rental Program Credit Card Car Rental Insurance: What You Need To Know Traveling by Bus Is No Longer a Plan B for Many Americans - The Wall Street Journal. Skiplagging: How it works and why the airlines can't stand it Amazon Clinic Clark.com resources Episode transcripts Community.Clark.com 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

Thanks to the sheer magnitude of retail theft, until solutions are found, we’ll continue to see more items under lock & key in many retail stores. Mentioned on the show Dollar Tree said theft is such a problem it will start locking up items or stop selling them altogether The Best International Phone Plans Google Fi Wireless Review: Things To Know Before You Sign Up Google Fi Wireless: Free Trial and New Plan Perks How To Freeze Your Credit With Experian, Equifax and TransUnion How Do You Decide if You Should Buy a Leased Vehicle When the Lease Ends? What Are Index Funds? Best Financial Advisors in 2023 Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The auto insurance industry is in a world of hurt and aggressively raising rates. Clark explains the factors involved and what you can do to help keep your costs down. Also today, life expectancy is a roll of the dice but generally, people are living longer. There’s a little known and very smart way to avoid outliving your money - longevity insurance.  Auto Insurance Bill Shock: Segment 1 Ask Clark: Segment 2 Longevity Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Best Travel Credit Cards: Top Rewards Picks for 2023 Marketwatch - Can you answer this crucial retirement-planning question? Most people can’t. Want to live to 100? "Blue Zones" expert shares longevity lessons in new Netflix series Clark.com: Longevity Insurance: What Is It and Do You Need It? How To Open a Roth IRA Clark.com - Best High-Yield Online Savings Accounts Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the U.S. has the highest credit card processing merchant fees in the world - the system that feeds credit card rewards. Clark explains the industry battle surrounding the proposed Credit Card Competition act of 2023, which would allow free market competition for merchant processing. Learn what’s at stake and where Clark stands on getting U.S. fees aligned with the world standard. Clark Stinks: Segments 1 & 2 The Credit Card Competition Act: Segment 3 Ask Clark: Segment 4 Mentioned on the show Home Equity Loan vs. HELOC: What's the Difference? Aven HELOC Card: 5 Things To Know About the Home Equity Credit Card Credit Card Car Rental Insurance: What You Need To Know Target Date Funds: Clark's Favorite Retirement Investment Equifax - Can Creditors Go After My Retirement Accounts? 3 Strategies for Building a Core Portfolio Should I Buy an AirTag for My Checked Airport Luggage? 4 Things To Know Before You Buy a Digital TV Antenna WSJ - Visa, Mastercard Prepare to Raise Credit-Card Fees Congress.gov - S.1838 - Credit Card Competition Act of 2023 Clark.com -Are Credit Card Rewards Going Away? The Best Places To Buy Unlocked Phones 6 Things To Know Before You Buy Gas at Costco Wholesale TOP TIER™ Gasoline Brands Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares new information about the job market including what workers want most, and opportunity for over 50 workers. Also today, an uncertain economy has bred many finance stories about the cheapest places to live. But moving for financial reasons is a big decision with multiple factors to consider. How to figure out if you should move for money.  Employment Trends: Segment 1 Ask Clark: Segment 2 Financial Relocation: Segment 3 Ask Clark: Segment 4 Mentioned on the show Over 50? You’re a Hot Ticket in Today’s Labor Market What 89% of Workers Are Willing To Give Up Their Job For This Company Created a Return-to-Office Plan That Employees Actually Like What Is Deferred Compensation? - Investopedia Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 How Does Booking Travel Through a Credit Card Rewards Program Compare? Charging an EV? Get Cash Back from Your Credit Card Should You Move for Financial Reasons? What to Know What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Sell Your Car in 5 Steps What's the Best Place To Sell a Car in 2023? Clark.com resources Episode transcripts Community.Clark.com 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

Clark has an important warning about what to look out for when doing travel research online. Also in this episode, Clark discusses why this is the sweetest era to be an entrepreneur and how gig, contract & freelance work is reshaping the economy FAKE Travel Guides: Segment 1 Ask Clark: Segment 2 The Gig Work Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show SOUTHWEST - Fall sale to high-tail it outta town. NYTimes.com: A New Frontier for Travel Scammers: A.I.-Generated Guidebooks Use this free tool to spot fake Amazon and Yelp reviews Going™ | Formerly Scott's Cheap Flights / KAYAK Explore Priceline - Find Cheap Hotel Rooms & Discount Hotels Top Travel Deals - Clark Howard / Clark Deals - TRAVEL How To Find Cheap Flights in 3 Easy Steps The rise of gig workers is changing the face of the US economy How To Save Money on Gas: 23 Ways 7 Money Mistakes You Might Be Making at the Gas Station T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com 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

As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust.  Is An HSA Right For You? Segment 1 Ask Clark: Segment 2 Beware Private Placement Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Healthcare Plan Most People Should Buy—and Why They Don’t WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts What Is an HSA Account and How Does It Work? Raisin Review: Can You Trust This Online Savings Marketplace? Price Drop on Used Electric Cars: Is Now the Time To Buy? Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal. Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com 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

Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America’s Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I’ve had this black cloud looming over me’: How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark explains the Pharmacy Benefit Manger (PBM) trade off on prices for generics vs brand names & how you can save more. Plus great news for consumers on the prescription cost front, thanks to a recent move by a major insurer.  Clark Stinks: Segments 1 & 2 Rx Progress: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Should Never Prepay for a Rental Car Cheapest Way to Rent a Car: Expert Tips CDC - Cost of Rabies Prevention Travel Insurance? What You Need To Know Before You Buy How To Save Money With Google Flights A Big Health Insurer Is Ripping Up the Playbook on Drug Pricing - WSJ Will Mark Cuban's Prescription Company Really Save You Money? Why You Should Always Ask Your Pharmacist the Price of Your Prescription Without Insurance 5 of Clark Howard's Most Extreme Frugal Hacks Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s time to think about holiday travel plans and Clark has some guidance on the best time and way to book flights. Also today, surprise medical bills persist and massive, inaccurate hospital bills remain the main culprit. Clark offers strategies for both the insured and uninsured facing hospital costs.  Holiday Air Travel: Segment 1 Ask Clark: Segment 2 Hospital Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Says This Is the Best Time to Book Cheap Holiday Flights The Best Time To Book Holiday Travel in 2023 Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money How To Find Cheap Flights in 3 Easy Steps Cheapest Way to Rent a Car: Expert Tips Inaccurate Medical Billing Creates Problems for Older Adults Medical Facilities Far From Hospitals Are Charging Hospital Rates As ‘Satellites.’ What Gives? How To Find a Trustworthy Mechanic Trustpilot Review: Is Trustpilot Legit? How to find the best auto repair shops Clark.com resources Episode transcripts Community.Clark.com 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

Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com 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

Car thieves are going high-tech to get around anti-theft technology. Clark explains 2 simple ways to protect your vehicle, including inexpensive, widely available car key RFID signal blockers.  Also today, an important privacy warning for Venmo users and a key NEVER NEVER NOT EVER rule for using pay apps. Car Theft Protection: Segment 1 Ask Clark: Segment 2 Venmo Privacy Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show To steal today's computerized cars, thieves go high-tech — The Conversation Clark.com – Best High-Yield Online Savings Accounts NYTimes: This Is a Reminder That You’re Probably Oversharing on Venmo Do you use payment apps like Venmo, CashApp, or Zelle? Read this U.S. Senators Urge Regulators to Hold Zelle Accountable for Inadequate Protections to Stop Fraudulently Induced Payments How To Make Your Venmo Transactions Private T-Mobile: Credit Card Payments No Longer Include AutoPay Discounts Overdraft Protection: What Is It? Do You Really Need It? 9 Things on Deep Discount in September  /  Clark Deals Clark.com resources Episode transcripts Community.Clark.com 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

Happy Labor Day Weekend! Please enjoy this Best Of episode. Clark returns Tuesday September 5 The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much, if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.  The No Surprises Act & Your Rights: Segment 1 Ask Clark: Segment 2 Your Rainy Day Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 Understand your rights against surprise medical bills - CMS Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors? Bankrate's Annual Emergency Fund Report | Bankrate Emergency Fund: Everything You Need to Know Fidelity Investments Review 2022: Pros & Cons Money market funds - Fidelity Investments The Monte Carlo Simulation: Understanding the Basics Clark.com resources Episode transcripts Community.Clark.com 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

Reviews can help you make decisions on all kinds of purchases, from merchandise to services and travel. But how can you trust them? Clark offers some insights & guidance. Also today, unusual factors in the diamond market are affecting the price of traditional and lab diamonds.  Insights On Reading Reviews: Segment 1 Ask Clark: Segment 2 Diamond Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Customer Ratings Have Become Meaningless. ‘People Hand Out 5 Stars Like It’s Candy.’ Trustpilot Review: Is Trustpilot Legit? Coverdell Education Savings Account (ESA): How They Work Best 529 College Savings Plans By State Vanguard Personal Advisor Review Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity The #1 Thing Clark Howard Hates About Solar Panels Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Getting Engaged Just Got Cheaper as Diamond Market Adjusts The Best Time and Place To Buy an Engagement Ring How To Build Credit  / Credit Karma Review How to Report Your Rent to Credit Bureaus The Best Time and Place To Buy a TV  / ClarkDeals - TVs 4 Things to Know Before You Buy a TV From Costco Clark.com resources Episode transcripts Community.Clark.com 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

Even as summer winds down, people are still looking for great airfare deals. There’s a new resource from Going that may help. Plus, the story of one Mom’s mission to find her daughter’s lost luggage speaks to a travel NEVER NEVER rule Clark has long held. Also today - Auto insurance rates are going way up due to various market pressures. Clark discusses why dash cams are essential, and what you can expect to pay for one.  Air Travel: Savings & Strategy: Segment 1 Ask Clark: Segment 2 Dash Cams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Price Drop: Domestic Fares Are Getting Cheaper The Best and Worst US Airports for Cheap Domestic Flights The Best and Worst US Airports for Cheap International Flights Airlines slash domestic flight prices as demand dwindles, overseas travel surges Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy an AirTag for My Checked Airport Luggage? Travel Archives - Clark Howard / Travel - Clark Deals Dash cam sales rising fast due to safety-conscious drivers 3 Reasons to Buy a Dashboard Camera for Your Car—and 4 Reasons Not To - WSJ Clark - everyone should have a dash cam - Clark Howard Community Should You Buy an Extended Warranty on Your Car? Should You Respond to Class-Action Lawsuits? Clark.com resources Episode transcripts Community.Clark.com 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

Football season is upon us and sports betting is growing in popularity. Clark describes how the nature of sports gambling has changed and pitfalls to be aware of. Also in this episode, there’s currently a horrible scam that is exploiting grief to rip off those who have just lost a loved one. Clark describes how this works so you and your loved ones stay in the know.  Sports Betting: Segment 1 Ask Clark: Segment 2 Funeral Home Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Dark side of sports betting DraftKings and Other Sports Gambling Apps Are Hitting the Jackpot With ‘Parlay’ Bets. As They Win, You Lose. How To Get a Gym Membership for Practically Free Supplement and Vitamin Certification | NSF / USP Verification Services Alert: Funeral Home Scam Targets Grieving Families ‘Despicable’ funeral home scam preys on grieving family members Snopes - 'Shark Tank' Keto Gummies Weight Loss Reviews Are a Scam Is Pet Insurance Worth It? What You Need To Know Before You Buy 4 Things To Know Before You Buy a Digital TV Antenna Minimum Internet Speed Requirements for Streaming TV Services Clark.com resources Episode transcripts Community.Clark.com 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

Rampant scams are now a global scourge, many now employing a tactic known as “pig butchering”. Clark shares a real life example and what you need to know.  Also in this episode -Shocking new data reveals that most Americans are not on track for retirement. Our aspirations for early retirement  don’t match up to how much is being saved for the future. Know how you can get on track for a more secure retirement.  “Pig Butchering” Scams Increasing: Segment 1 Ask Clark: Segment 2 Retirement Shortfalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show Out almost $80,000? Don't get scammed NYPost : Newly divorced mom scammed of entire $100,000 401k savings in Tinder ‘pig butchering’ scheme Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Home Equity Loans & Lines of Credit: 7 Common Questions Answered Start saving now, and you could have this much for retirement Retirement savings shortfall in America Clark.com - Saving For Retirement   /   How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Best Investment Companies for Investors in 2023 Pension Benefit Information Notifies TIAA of MOVEit Data Breach Affecting Over 2.6 Million How To Freeze Your Credit With Experian, Equifax and TransUnion Capital One Venture Rewards Credit Card: Travel Credit Card Review Best Travel Credit Cards: Top Rewards Picks for 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, a back to basics primer on Clark’s favorite method of investing: dollar-cost averaging, the popular, yet controversial set-it-and-forget-it way to invest. Clark Stinks: Segments 1 & 2 Dollar-Cost Averaging: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Pack a Carry-On the Right Way LA Times - Most-downloaded app in App Store sells products linked to forced labor in China, analysis shows Cheapest Way to Rent a Car: Expert Tips Dollar-Cost Averaging: How Does DCA Work, And Should You Do It? Clark.com - Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Consumer Reports - Best Dishwashers of 2023 Should You Buy a Car With a Salvage Title? How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com 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

Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.  Retirees Return To College: Segment 1 Ask Clark: Segment 2 Rent-To-Own Home Contracts: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why Retirees Are Going Back to College Flexcar: Your flexible alternative to car ownership T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts Authorized User vs. Joint Account Holder Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. How Do I Remove Myself as an Authorized User on a Credit Card? Rich Dad - The Power of the Corporation Clark.com resources Episode transcripts Community.Clark.com 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

Have you experienced “the bum’s rush” feeling at a restaurant giving you a time limit on your table? This is a trend Clark has experienced and it seems to sacrifice hospitality for time management. Necessary? Also today - Amazon is trying to fix its problems with grocery sales, streamlining the process.  Restaurant Time Limits: Segment 1 Ask Clark: Segment 2 Amazon’s Grocery Overhaul: Segment 3 Ask Clark: Segment 4 Mentioned on the show Are time limits at restaurants a reasonable new trend or inhospitable experience? | USA TODAY How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment 14 of the Best High-Yield Online Savings Accounts in August 2023 What Is an eSIM? 5 Things To Know The Best International Phone Plans Free Audiobooks: 11 Places Online and Apps / Amazon First Reads Amazon Unveils Biggest Grocery Overhaul Since Buying Whole Foods Can a Patient Advocate Help With Your Medical Bills? How To Get a Free Credit Report / How To Monitor Your Credit 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com 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

Make sure you have all of your financial accounts organized. Today people change jobs frequently, often leading to a confusing menagerie of retirement accounts. Streamlining investments helps you manage a sustainable retirement, and helps prevent losing track of savings. Also today, travel warnings about booking tours and cruises. Those industries have had a lot of instability. Clark offers some tricks of the trade for smart booking including the best way to pay, and a NEVER NEVER rule about trip insurance  Organizing Retirement Accounts: Segment 1 Ask Clark: Segment 2 Travel Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Three Strategies to Organize Your Retirement Accounts 401(k) Rollover: What You Need To Know & Options What Are Index Funds? / What Is an ETF? Dollar Cost Averaging Makes You a Fortune Over Time 6 Things to Know Before You Sign Up for Tracfone Wireless Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need NYTimes: Help! I Signed Up for a $4,800 Bird-Watching Trip but the Company Shut Down. Gainesville couple out thousands of dollars after Vantage Travel suddenly goes out of business Vantage lays off employees weeks after announcing it was up for sale How To Choose a Tour Company Travel Insurance? What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? Evaluate Life Insurance - Consumer Federation of America Paying for Long-Term Care: How It's Changing How Do You Prepare for the Likelihood of Long-Term Care Costs? Clark.com resources Episode transcripts Community.Clark.com 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

Clark points to a job sector seldom considered, where you can potentially make good money in a wage war - plus benefits. Also, for buyers, sellers and renters alike, Clark delivers a housing market update, including where things are headed. A Rewarding Job Sector: Segment 1 Ask Clark: Segment 2 Housing Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show US Job Openings Fall to Lowest Level Since 2021, Layoffs Ease Mounting job vacancies push state and local governments into a wage war for workers 10 Ways To Save on Prescription Drugs The last, best hope for homebuyers  /  Axios: Homebuilding is soaring [The Washington Post] The housing market recession is already ending Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons What Is 5G and Is It Worth It To Upgrade? How and Why To Refinance Your Mortgage: A Step-By-Step Guide 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster  Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, 20% of credit card users have heavy revolving debt, accounting for ¾ of the money banks make from cards. Few such users know their debt amount or interest rate, an oversight banks have exploited. If you’re carrying credit card debt, Clark has an assignment that could help you achieve being debt FREE.  Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show What is Dual Enrollment and How Much Does it Cost? Best Credit Cards for Shopping Rewards: Top Picks for 2023 Best Credit Cards for Groceries in 2023 2 Ways To Guarantee Yourself a Lifetime Stream of Income Heavy credit-card users are key in the Fed’s inflation battle How to Freeze Your Credit — Literally! Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Best 0% Intro APR Credit Cards: Top Picks for 2023 Citi Simplicity® Card Review 2022: A Worthy Balance Transfer Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The dominance of plastic and electronic forms of payment has made it more difficult to teach kids money basics. Not using real cash makes money seem like an infinite resource. Spending cards with parental controls has been the marketplace answer with fees attached. Clark discusses a new free offering from Chase. Also, renting goods is trending stronger these days, as all types of subscriptions are getting more expensive. Taken all together, these things can eat up your wallet over time. Clark breaks down the two subscription types with advice on how to reconcile your budget with the choices you have.  Youth Spending Cards: Segment 1 Ask Clark: Segment 2 Renting & Subscriptions Of Goods & Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How Today’s Teens Get More Financial Firepower Than Past Generations This No-Fee Debit Card Lets Parents Supervise Spending - WSJ Venmo / CashApp for Grandkids - Clark Howard Community Best Credit Cards for Students: Top Picks for 2023 Why Clark Howard Is So Excited About His Wedding Band The shift from owning to renting goods is ushering in a new era of consumerism — The Conversation 7 Types of Subscriptions You May Want To Cancel Today How To Manage Your Monthly Subscriptions To Save Money Best Credit Cards for Extended Warranty: Top Picks for 2023 Team Clark Guarantee - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

Credit cards are a massive expense for businesses. The U.S. has the highest merchant fees in the world, so many merchants pass on the expense to customers. Clark tells you how Visa is fighting back, and what this all means for both merchants and consumers. Also today, Clark - aka The Man From Roth - shares the considerable merits of the ROTH versions of 401(k)s and IRAs. Roths are the superior choice yet - underutilized.  Credit Card Surcharge Decisions : Segment 1 Ask Clark: Segment 2 Roth Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show Bodegas Put on Notice as Visa Fights Back on Card Surcharges Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card How to Get a Mortgage in 8 Steps Congress Ended a Tax Break. How That May Help Higher Earners. WSJ Roth vs. Traditional 401(k): What's the Difference? What Is a Roth 401(k) and How Does It Work? 14 of the Best High-Yield Online Savings Accounts in August 2023 Gym membership cancellation: Here's how easy it can be to get out How To Get a Gym Membership for Practically Free Clark.com resources Episode transcripts Community.Clark.com 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

NFL football! Clark discusses the new Verizon deal on NFL Sunday Ticket and what you’ve got to know before kick off! Also - good news for fellow travelers - the deal has changed on domestic airfare.  Verizon’s NFL Sunday Ticket: Segment 1 Ask Clark: Segment 2 Domestic Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Verizon Offers Customers Free NFL Sunday Ticket With a Catch 4 Things To Know Before You Buy a Digital TV Antenna YouTube TV Releases NFL Sunday Ticket Pricing Google announces the end of multiple Nest products. What you need to know Credit Card Car Rental Insurance: What You Need To Know American Travelers Are Shunning the U.S. for Europe - WSJ Ultra-Low-Cost Carriers Cutting Back on Midweek Flights Traveling to Europe just got more complicated Welcome to the official ETIAS website Clark.com resources Episode transcripts Community.Clark.com 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

Clark lends perspective on the vehicle market before, during, and now post Covid. What potential car buyers need to know about the manufacturer-to-dealer pipeline now, for both new and used vehicles - including EVs. Is now the time to buy? Clark’s crystal ball reveals a clear answer. Also, something wealthy folks do to help stretch every dollar.    Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Diggin Deep Discounters: Segment 3 Ask Clark: Segment 4 Mentioned on the show Dealers have cars and prices are stabilizing, but people still can't buy a car. Here's why - from USA TODAY Barrons.com: Tesla, Ford, and the EV Inventory Debate on Wall Street Jalopnik: Dealers Now Have Nearly Two Million New Cars Sitting On Their Lots NYTimes.com: Electric Vehicle Prices Fall as Automakers Raise Production Ford Cuts Price of F-150 Lightning Electric Truck by Up to $10,000 - The Wall Street Journal. 17 Free Tips To Make Your iPhone Easier To Use 7 Easy Ways To Free Up Storage Space on Your iPhone 5 Ways To Free Up Storage Space on Your Android Phone One-Percenters Keep Shopping at the Dollar Store How To Open a Roth IRA When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, higher home prices and interest rates make saving for a down payment a big challenge that can take a decade to accomplish. So families are stepping in to help young adults buy their first home. Clark talks about the most effective way to do this, and has some definite thoughts on co-signing.  Clark Stinks: Segments 1 & 2 Family Assisted Home Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cash Back Credit Cards With No Annual Fee Credit Karma vs. Credit Sesame: Is One Better Than the Other? College Scorecard | U.S. Department of EducationCollege Scorecard Axios: It takes nearly a decade to save for a down payment Four Ways Parents Can Help Kids Be First-Time Home Buyers Applicable Federal Rate (AFR): What It Is and How To Use It AFR Rates | IRS Applicable Federal Rates Evaluate Life Insurance - Consumer Federation of America Can a Patient Advocate Help With Your Medical Bills? Clark.com resources Episode transcripts Community.Clark.com 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

There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA / How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments Clark.com resources Episode transcripts Community.Clark.com 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

If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.   The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment Clark.com resources Episode transcripts Community.Clark.com 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

Real estate agent commissions are increasingly controversial with two massive class-action lawsuits underway. Would you sell your home yourself or use an agent? We have the results of our poll on that question. Also today, Clark talks about different areas that have been really expensive, but are now becoming more affordable. Knowing the 'zig-zag' principle can help you save more. Clark.com Poll: Real Estate Agents: Segment 1 Ask Clark: Segment 2 Price Drops: Segment 3 Ask Clark: Segment 4 Mentioned on the show Meet the overlooked monopoly that’s overcharging homebuyers $72 billion a year An epic fight over how real-estate agents get paid could transform the housing market forever Clark.com Daily Newsletter Poll: 275 responses How to sell your house by owner How To Find a Trustworthy Mechanic Amusement park attendance and prices down Hot tub sales cool as well-off Americans stop splashing out Should I Get Insurance on My Water and Sewer Lines? Automatic Bill Pay: How It Works and How To Do It Safely Recalls.gov Clark.com resources Episode transcripts Community.Clark.com 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

Overall, our expectations of when we want to retire aren’t matching up with our savings. Many of us lament we’re not really on track for retirement. Clark revisits the basics to help get you there, and has a challenge for you, regardless of your age. Also, there are great deals on certain electronics now. Clark shares key buying tips. Your Retirement Track: Segment 1 Ask Clark: Segment 2 Save On Electronics: Segment 3 Ask Clark: Segment 4 Mentioned on the show Investing & Retirement Archives - Clark Howard High Income Households Not Worried Enough About Retirement $1.27 million is the magic number for retirement, Americans say. The average person has just 7% of that saved. Women Have Significantly Less Saved in 401(k)s Than Men — What to Do About It    Barrons.com: Oregon’s State-Run Retirement Plan Hits $200 Million in Savings How To Open a Roth IRA / Fidelity - Saving & investing for a child Best And Worst Homeowners Insurance Companies: July 2023 10 Ways To Save Money on Car Insurance / How to Shop for Car Insurance Clark Deals - Electronics Want to Save Money on a New TV? Consider Buying a 2022 Model 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale Delta Digital ID | Delta Air Lines What Is Disability Insurance and How Does It Work? What Is a Roth 401(k) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.  Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs  Clark.com resources Episode transcripts Community.Clark.com 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

People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee  /  CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Clark.com resources Episode transcripts Community.Clark.com 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

Vanguard. There have been lots of complaints about this golden child lately. Clark shares the pioneering background of what is now the second largest investment house in the world, and how the company appears to be going through a midlife crisis. Also today, Clark has an update on the cost of apartment rental and the add-on fees to be aware of. An Issue With Beloved Vanguard: Segment 1 Ask Clark: Segment 2 Apartment Rental Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show Vanguard Faces Competition and Criticism — Where Does It Go From Here? How To Open a Roth IRA Red Pocket Mobile: 6 Things To Know Before You Sign Up Shocked by those extra monthly apartment fees? 3 big rental sites plan to reveal them Laptops -Clark Deals   /   GoogleShopping  Laptops & Notebook Computers-Costco Wholesale How To Buy Term Life Insurance in 7 Easy Steps What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. is beginning to catch up when it comes to money transfer. Clark explains the deal with FedNow.  Also, you may be overlooking a simple and inexpensive way to save big bucks on cooling your home this summer.  What Is FedNow: Segment 1 Ask Clark: Segment 2 SAVE on Air Conditioning: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is FedNow?  Banks’ Newest Fed Headache: Nonstop Instant Payments A Retirement Tax Break That Ends the Fear of Outliving Your 401(k) What Is the Largest Homeowners Insurance Deductible That Clark Recommends? Do I Need To Re-Visit My Homeowners Insurance Coverage After Years of High Inflation? Car Insurance Archives - Clark Howard 2 Ways To Guarantee Yourself a Lifetime Stream of Income Immediate Annuities - Income Annuity Quote Calculator Want to Use Less Air Conditioning? Just Turn on a Fan How To Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips What Credit Score Do You Need To Buy a Car? Are You Following Clark's Maximum Auto Loan Length Rule? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The extreme shortage of skilled workers is affecting everything from car and home repairs to medicine. Clark discusses 2 aspects of the structural labor shortage in the U.S. Also today, Clark has Costco news to share, and addresses several questions and complaints from your emails. The Skilled Labor Shortage: Segment 1 Ask Clark: Segment 2 Costco Membership News: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - Why Is It So Hard to Get a Plumber to Even Call You Back? Nurses Have Had Enough, Threatening Big Gaps in US Health Care Why It’s Impossible to Get Your Car Repaired This Summer 3 Things Clark Says You Should Do With CDs in 2023 Roth IRA Withdrawal Rules - Investopedia Going™ | Formerly Scott's Cheap Flights Best Travel Credit Cards: Top Rewards Picks for 2023 'WANT TO CORRECT' Costco CFO Richard Galanti breaks silence on new self-checkout policy after outrage over membership ‘stealing’ crackdown NYTimes: Costco Is Cracking Down on Membership Sharing Barrons.com: Now Costco Is Cracking Down on Membership Sharing Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, overwhelmingly the people who should have a will do not. The recent saga surrounding the will of Aretha Franklin is a valuable lesson for us all.  Clark Stinks: Segments 1 & 2 Making A Will: Segment 3 Ask Clark: Segment 4 Mentioned on the show Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Credit Card Car Rental Insurance: What You Need To Know YouTube TV Releases NFL Sunday Ticket Pricing LOS ANGELES TIMES: Aretha Franklin jury selects a valid will: It's the one found in the late singer's couch Why You Really Need To Create a Will Wills & Funerals Archives - Clark Howard Turo: 5 Things To Know About the Cheap Car Rental Service Clark.com resources Episode transcripts Community.Clark.com 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

A trend you may have noticed  - stores and restaurants are opening later and/or closing earlier. Post Covid we’re seeing new patterns.  Also, from the Supreme Court decision to the latest in loan forgiveness, Clark has an update on student loan debt.  Sooner Than Later Service: Segment 1 Ask Clark: Segment 2 Student Loan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show America Is Becoming a Nation of Early Birds Resy - Book Your Reservation Your Guide to DIY Home Security Systems 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Find and Choose a Financial Advisor Biden Administration to Wipe Out $39 Billion in Student Loans - The Wall Street Journal. You could still be eligible for student loan forgiveness under this plan 1 in 3 federal student loan borrowers spent money they thought was going to be forgiven—here's where relief stands NYTimes.com: Ways You Can Still Cancel Your Federal Student Loan Debt Best Investment Companies for Investors in 2023 Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com 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

Have you seen the ads for a device that Elon Musk supposedly invented to cut electric bills? Clark tells you if that’s for real, and discusses some exciting upcoming options for power to your home. Also, believe it or not it’s time to shop back to school items. Clark points to some exceptional deal categories and shares shopping strategies.  Energy Savings & Backup Power: Segment 1 Ask Clark: Segment 2 Back To School Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show Fact Check: Elon Musk Did NOT Invent Energy-Saving Device That Will Cut Power Bills By 90% | Lead Stories GM Energy’s Ultium Home products provide backup power to your home in outage -  USA TODAY The best back-to-school sales & deals available now! Paramount+ Plans Paramount+ Review 2023: Is This Streaming Service Worth It? What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? Clark.com resources Episode transcripts Community.Clark.com 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

Savers! The window is closing on long term CDs. Clark fills you in on what you can do now to maximize money put aside for saving, vs for investing. Put your money to work the right way. Also, money saving takeaways from Clark’s summer vacation including car rental and currency practices.  5 Year CD Rates Now: Segment 1 Ask Clark: Segment 2 Lessons Abroad- Clark’s Summer Vacation: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Window To Open a 5-Year CD Is Closing Soon What Is a CD and Should You Open One? / Bankrate CDs What Is a CD Ladder and When Is It a Good Idea? Follow Clark Howard’s #1 Rule To Travel Cheap Credit Card Car Rental Insurance: What You Need To Know 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? How to use Google Maps overseas with no data usage The Best International Phone Plans United Club & Lounge Access / Military Airport Lounges Non-Owner Car Insurance: Who Needs It? Clark.com resources Episode transcripts Community.Clark.com 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

Clark has important information on receiving a free or very affordable college education, including state based aid, reimbursement programs, Income Share Agreements, second level state universities and pricing resources. Also, how would you like to make extra money renting out your car? More competition is entering this field, and it could be good for your wallet. Affordable College: Segment 1 Ask Clark: Segment 2 Renting Out Your Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] To fight teacher shortages, states send people to college for free NYTimes.com: The College Data You Probably Can’t Find, but Definitely Need College Tables Where to Find the Cheapest In-State Tuition For College College Scorecard | U.S. Department of EducationCollege Scorecard For College Financing, Consider an Income Share Agreement Costco Hearing Aids: 5 Things To Know Before You Buy The Best Places To Buy Hearing Aids Should You Buy Out Your Leased Car? Uber wants to rent out your car: Company set to launch Uber Carshare in Boston, Toronto Turo: 5 Things To Know About the Cheap Car Rental Service Best Travel Credit Cards: Top Rewards Picks for 2023 High-Yield Savings Account Calculator 14 of the Best High-Yield Online Savings Accounts in June 2023 3 Things Clark Says You Should Do With CDs in 2023 Best Investment Companies for Investors in 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  how to save someone’s life using a simple household item. Clark Stinks: Segments 1 & 2 CPR: Taking The Plunge: Segment 3 Ask Clark: Segment 4 Mentioned on the show American Express Send & Split with Venmo & PayPal Ask the Doctor: Are eggs risky for heart health? Eggs: Are they good or bad for my cholesterol? Intake of up to 3 Eggs per Day Is Associated with Changes in HDL Function and Increased Plasma Antioxidants in Healthy, Young Adult 'Grandparent' Scams Get More Sophisticated How a Toilet Plunger Improved CPR How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Freedom® Index Funds Clark.com resources Episode transcripts Community.Clark.com 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

Good news consumers! A new law changes the rules for 3rd party sellers on online marketplaces such as Amazon & Walmart. Clark covers what you need to know about these sellers, and the problem with online purchasing via your phone. Also today, long-term care insurance is cost prohibitive for most. Still, advance planning is a smart idea. Know what elder care options exist today and potentially in the future.  Online Seller Disclosure: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show The INFORM Consumers Act and online marketplaces: What to know BBB-File a Complaint Costco vs. Sam’s Club: What Is the Difference? Buying Gas From a Station on This List Is Better for Your Car What if you can’t afford long-term care? NYTimes.com: States Try Easing the Burden of Long-Term Care’s High Cost What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? Senior Care Archives - Clark Howard Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com 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

Homeowners insurance is getting more difficult to get or keep, even in states beyond FL & CA. Clark explains industry challenges and what homeowners can do about this growing problem. Also - What you don’t know can hurt you. Recent CFPB data show complaints against the credit bureaus roughly doubled in one year, highlighting the importance of being vigilant about your credit report accuracy. Homeowners Insurance Reset: Segment 1 Ask Clark: Segment 2 Credit Bureau Complaints: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: Uninsurable America: Climate change hits the insurance industry Multifamily industry grapples with surging insurance costs in wake of climate risks Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems — The Conversation Force-Placed Insurance Definition When Should You File a Claim on Your Homeowners Insurance? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Welcome to Bluebird A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Changes to Credit Reports Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com 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

With the second wave of summer travel upon us, Clark has an update on mid to late summer travel  prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow.  Summer Travel Update: Segment 1 Ask Clark: Segment 2 Recession Explainer: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] People are spending less on hotels, flights and restaurants NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning. 4 Things You Should Always Pack in Your Carry-On How SVB’s failure 3 months ago has changed banking (and how it hasn’t) Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022 What Is a CD Ladder and When Is It a Good Idea? Clark.com - Invest & Retire FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023) Clark.com resources Episode transcripts Community.Clark.com 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

As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit.  Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make.  Building Student Credit: Segment 1 Ask Clark: Segment 2 Remote Work Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Credit Cards for Students: Top Picks for 2023 A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? Deciding what to do when your employer changes the rules on remote work What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com 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

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.  Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV   /   Clark.com: Sling Freestream 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

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel.  Fraud Prevention: Segment 1 Ask Clark: Segment 2 What’s In A Hotel Name? Nothing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto. WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know. ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers Worried about crypto exchange losses? Don’t pay money for “help” recovering money 5 Steps To Getting a Good Deal on a Hotel Room Scott's Cheap Flights | Save Up to 90% on Flights [The Washington Post] Expensive flights are here to stay, but there’s good news Top Travel Deals - Clark Howard 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

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.  Gambling Vs Investing: Segment 1 Ask Clark: Segment 2 Fake Shopping Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Retreat of the Amateur Investors 5 Sneaky Ways To Improve Your Credit Score NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In Clark.com- How To Spot a Fake Online Store in 6 Easy Steps Virtual Credit Cards: An Online Security Measure Worth Taking? Fidelity Investments Review 2022: Pros & Cons Metro by T-Mobile: 6 Things To Know Before You Sign Up T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Clark Howard's 4 Travel Rules You Should Follow Right Now 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

Happy 4th of July! Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.  Know Thy Neighbor: Segment 1 Ask Clark: Segment 2 Credit Card Debt Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Sue Thy Neighbor: Homeowner Spats Over Fences,Trees & Additions Get Nastier -WSJ Clark.com - Timeshares The #1 Bill You Should Make Sure You Get by Mail No more paper statements only electronic - Clark Howard Community US consumers increased their borrowing by $28 billion in November Your Passport Could Be Useless -- Even if It's Not Expired 22 Ways To Save Money on Groceries How to Budget With a Cash Envelope System Why You Should Keep Old Credit Card Accounts Open Should You Get a Store Credit Card? 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

We’re in a unique travel season this year, so we asked for travel stories unique to you - good and bad - and you delivered! Clark shared a story about putting layers of clothing on in order to avoid baggage fees. Apparently, he’s not the only one: Hate Baggage Fees? Wear a Fishing Vest on the Plane - The Wall Street Journal.  Team Clark thanks our fellow Clarksters for sharing their misadventures and lessons learned navigating the wide world of Travel for this special episode. Happy 4th of July Week! Clark.com resources Top Travel Deals ClarkDeals- Travel Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains the rise of the zombie mortgage, with origins dating back to the lending practices of 2001 - 2007 leading to the housing bust & great recession. Learn why years later, people are now getting foreclosure notices on old home equity loans & second mortgages, and the best course of action for those facing this.  Clark Stinks: Segments 1 & 2 Zombie Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Warning: Never Get Roadside Assistance From Your Insurance Provider 401(k) Match: What Is It, How It Works Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases Apple Trade In Zombie Mortgages Could Force Some Homeowners Into Foreclosure Southwest Airlines Wanna Get Away Plus UShip Review: 5 Things To Know Before You Use the Shipping Service Clark.com resources Episode transcripts Community.Clark.com 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

Good news if you’re interested in life on the road - specifically RV life. If you’re in the market, Clark explains why it’s a good time to buy, and offers direction on what type of RV to choose. Also  today, travel agents almost went extinct, but the industry is growing again. Get Clark’s advice on when you need a travel agent, and the best way to choose one.  The RV Market: Segment 1 Ask Clark: Segment 2 When & How To Hire A Travel Agent: Segment 3 Ask Clark: Segment 4 Mentioned on the show RV Market Slows as Inflation, Rising Rates Cool Demand - The Wall Street Journal. Clark Howard's 5 Money Tips for Couples 6 Things To Know Before Contacting the National Foundation for Credit Counseling Amazon discontinues Amazon Halo effective July 31 (aboutamazon.com) 15 of the Best Free Workout And Fitness Apps Is Apple Card Worth It? 5 Things To Know in 2023 When Do You Need a Travel Agent? TripIt - Highest-rated trip planner and flight tracker Your Passport Could Be Useless -- Even if It's Not Expired Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards How To Save Money With Google Flights Clark.com resources Episode transcripts Community.Clark.com 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

Summed up in a sentence - what’s your money strategy? Clark shares money philosophies courtesy of Humble Dollar. Also in this episode, Things are rapidly changing in the solar energy industry. Clark has an update on how to approach roof solar and the microgrid community solar advantage. Money Philosophies: Segment 1 Ask Clark: Segment 2 Solar Power Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show How would you summarize your financial philosophy in one sentence? Hiring a Contractor Checklist and Tips - 6 Tips for Hiring a Contractor Community Solar Saves Money With Solar Energy – Without Changing Your Roof Search projects by zip code: CommunitySolar-EnergySage The Solar Power Landscape Is Changing. Here's What That Means for You Should You Manage Your Own Investment Portfolio? What Is a Fiduciary Financial Advisor and Do I Need One? Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity How to Deal With Medical Debt Clark.com resources Episode transcripts Community.Clark.com 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

Hotels have gotten pricier while experiences have deteriorated. Looking for bargains, people are getting ripped off at UFO third party booking sites. Clark shares a new site he’s been testing that works differently than all the others, and promises to save you big bucks. Also - There’s a new twist in retail - part entertainment, part auction. Clark gives you the pros & cons of online  “live shopping”.  HotelSlash: A Different Way To Book: Segment 1 Ask Clark: Segment 2 Live Stream Shopping: Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show Looking for the Cheapest Room Rate? HotelSlash Wants to Help. AutoSlash Review: How To Save on a Rental Car 5 Things to Know About the Costco Car Rental Program 5 Money Tips To Know Before You Travel Abroad Best Credit Cards With No Foreign Transaction Fees in 2023 Wise Official Website - Wise.com   /   About Money Transfer GB | Revolut NYTimes: The Companies Trying to Make Live Shopping a Thing in the U.S. Stitch Fix: Clothing What's the Best Savings Account for a Teenager? Fidelity Youth Account - Any Good? - Clark Howard Community Clark.com resources Episode transcripts Community.Clark.com 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

For the last 3 generations the average size of the American home has gone up and up. Not so much anymore. Clark discusses why people are turning back the clock and downsizing their homes. Also today - do you ever try to haggle with merchants for a better price? It’s a worldwide practice Americans are generally uncomfortable with, but can actually be a very effective way to get a deal! Clark shares the right approach to the skilled art of bargaining. The Value of A Smaller Home: Segment 1 Ask Clark: Segment 2 The Art Of Haggling: Segment 3 Ask Clark: Segment 4 Mentioned on the show High Utility Bills Driving 1 in 5 Americans to Downsize Their Homes How To Buy Term Life Insurance in 7 Easy Steps Credit Karma Review: Free Credit Score and More at Your Fingertips Cancel for Any Reason Trip Insurance: Should You Buy It? How to Haggle for Almost Anything Credit Lock vs. Credit Freeze: What's the Difference? How To Freeze Your Credit With Experian, Equifax and TransUnion Studios | Norwegian Cruise Line Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s much discussion about how AI is revolutionizing the nature of work and change is happening rapidly. Clark lends historical perspective and discusses what is key for your job prospects going forward.  Clark Stinks: Segments 1 & 2 AI And Career Flexibility : Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries A Quick Guide on How to Insure Jewelry How Often Should I Appraise a Wedding Ring for Insurance, and Who Should Appraise It? Living Will and Durable Power of Attorney: Frequently Asked Questions ChatGPT, AI jobs are soaring while companies use the same technology to cut costs How (and why) you should create a backup plan for your career Why Did My Credit Score Drop? Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares findings from a new study about today’s working households and their outlook for retirement. Why are 28% of high income earners struggling in retirement? How you can resolve to build your reserve. Also today, Clark is all about FREE and doesn’t much mind the tradeoffs – and more people are receptive to saving money now. Enter TextNow.com - a FREE cell phone service that may work for you.  Retirement Outlook: Segment 1 Ask Clark: Segment 2 FREE Cell Phone Service : Segment 3 Ask Clark: Segment 4 Mentioned on the show Almost Half of Today’s Working Households Are at Risk of a Lower Standard of Living in Retirement National Retirement Risk Index - Center for Retirement Research at Boston College Bluebird - Loaded with Benefits. Light on Fees. Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide Target Date Funds: Clark's Favorite Retirement Investment Clark.com - TextNow: How To Get Free Texting and Calling 10 Ways To Save on Prescription Drugs Protect Your Identity Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

Now more than in the past 15 years, it pays to seek out the best interest rates on savings so you make the most on your money.  Announcing our new guide at Clark.com with a listing of best savings accounts updated weekly and a brand new savings calculator. Also in this episode, travel is up, so travel scams are back with a vengeance - all varieties. Clark tells you what to look out for. WHO you book with is key. GUIDE: Savings Accounts: Segment 1 Ask Clark: Segment 2 Travel Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Best High-Yield Online Savings Accounts What Is a Thrift Savings Plan? 13 Steps To Keeping Your Email Safe and Secure Privacy Archives - Clark Howard Proton - Privacy by default  /  Brave Private Web Browser  /  DuckDuckGo -Privacy simplified. What Does A Travel Scam Look Like And How Can You Avoid It? Road Scholar: Educational Travel & Learning Adventures A Retired Travel Agent's Secrets for Getting the Best Travel Deals Clark.com - CELL PHONES Clark.com resources Episode transcripts Community.Clark.com 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

Clark fills you in on current direct student loan rates just announced. As the payment holiday comes to an end, know what is required to get and stay current on these loans. Also, recent developments in the electric car space will open up more EV choices.  Student Loan Updates: Segment 1 Ask Clark: Segment 2 EV Announcements: Segment 3 Ask Clark: Segment 4 Mentioned on the show Student loan payments will be due starting in October, Department of Education clarifies Here's how to prepare to start paying back your student loans when the pandemic payment freeze ends Public Service Loan Forgiveness (PSLF) Credit Karma Review: Free Credit Score and More at Your Fingertips 7 Places to Get the Best Deals on Lab-Created Diamonds  /  Rare Carat Ford strikes deal with Tesla to gain access to rival charging stations starting 2024 GM wants to adopt Tesla’s charging network as ‘the standard’ Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

In light of the recent Labor Department report, Clark has key job advice to keep in mind moving forward. Also in this episode, there’s a federal statute concerning how the $7500 tax credit works for buying an electric vehicle and a surprising way to take full advantage of that credit. Clark also discusses the industry now and what potential buyers need to know.  The Job Market Is Booming: Segment 1 Ask Clark: Segment 2 Buying A Vehicle: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: The end of the self-employment boom From teachers to waiters: The industries that haven’t bounced back from the pandemic [The Washington Post] Labor Market Is Not Buying Into Talk of a Recession How to Teach Young Kids About Money The easiest way to get a $7,500 tax credit for an electric vehicle? Consider leasing. Are You Following Clark's Maximum Auto Loan Length Rule? The Average Vehicle Age in America When Will Car Prices Drop? Cars Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this summer calls for extra travel precautions. Make sure you know what experts know about how to avoid bed bugs at your lodging destination!  Clark Stinks: Segments 1 & 2 Travel Inspection - Bed Bugs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best 529 College Savings Plans By State HUD Good Neighbor Next Door Program How Much Life Insurance Do I Need? Should You Sell or Stay Put in the Stock Market? Potentially record summer travel + low housekeeping staff = bed bug nightmares - from USA TODAY How To Pack a Carry-On the Right Way How To Find Cheap Flights in 3 Easy Steps Capital One Venture Rewards Credit Card: Travel Credit Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Clark.com resources Episode transcripts Community.Clark.com 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

Inflation busters! With inflation easing in some categories, Clark shares some items that are more affordable now. Also, with the housing shortage and high mortgage rates, house hunters are looking for creative ways to become homeowners, including ARMs and the 1% down payment. Get Clark’s take on both options.  Inflation Busters: Segment 1 Ask Clark: Segment 2 2 Mortgage Options Explained: Segment 3 Ask Clark: Segment 4 Mentioned on the show Eggs Are Going on Sale Just Months After Prices Hit Records It's not just the Costco $1.50 hot dog combo—4 products that have beaten inflation Homebuyers might be able purchase a home with less savings — thanks to the two largest US mortgage lenders now allowing down payments of just 1% Why You Should Not Get a 1% Down Payment Mortgage Adjustable-Rate Mortgage: What Happens When Interest Rates Go Up Unprecedented Change to Clark Howard’s Longtime Home Buying Rule How To Freeze Your Credit With Experian, Equifax and TransUnion How to Freeze Your Child's Credit Should You Buy a Car With a Salvage Title? Clark.com resources Episode transcripts Community.Clark.com 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

Clark highlights recent and upcoming changes to retirement accounts involving tax law changes with potential benefits you should know about. Also, new issues with Zelle and Apple Savings accounts, and a warning for Venmo, Cash App & PayPal users. Retirement Account Changes: Segment 1 Ask Clark: Segment 2 Hazard With Payment Apps: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Retirement-Savings Changes You Should Know About for 2023-24 Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 Best Budgeting Apps in 2023: Our Top 6 Mint Review: 5 Things To Know About the Free Budgeting Tool What Is a 403(b) and How Does It Work? How To Open a Roth IRA JPMorgan Chase Working to Reverse Double Payments on Zelle - The Wall Street Journal. [The Washington Post] Don’t store money in Venmo, Cash App or PayPal, regulator says Apple Customers Say It’s Hard to Get Money Out of Goldman Sachs Savings Accounts - WSJ 7 Things To Know Before You Use Zelle 14 of the Best High-Yield Online Savings Accounts in June 2023 5 Things To Know About Series I Savings Bonds Clark.com resources Episode transcripts Community.Clark.com 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

Submit your travel story! 404 981-2017 Clark breaks down the national debt - what the real problem is and how to fix it. The sooner the better. Also today, Amazon just settled a lawsuit over spying through Alexa and Ring devices. “Smile, You’re on Candid Camera” - depending on where your security cams are operating. Clark has suggestions.  Fixing Deficit Spending: Segment 1 Ask Clark: Segment 2 Privacy In The Digital Era: Segment 3 Ask Clark: Segment 4 Mentioned on the show Submit your travel story! 404 981-2017 The Debt-Limit Deal Suggests Debt Will Keep Growing, Fast How To Buy Term Life Insurance in 7 Easy Steps Fidelity Investments Review 2023: Pros & Cons Schwab Starter Kit™ Amazon must pay over $30 million over claims it invaded privacy with Ring and Alexa Ring’s privacy failures led to spying and harassment through home security cameras FTC says: Amazon didn’t protect Alexa users’ or children’s privacy What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members DOT - File a Consumer Complaint 4 Things You Should Always Pack in Your Carry-On Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

One company has now been sued for making BILLIONS of robocalls to Americans. Follow Clark’s simple rule to avoid this menace, plus Clark’s NEVER NEVER rule regarding texts & emails, and reduce your chances of getting scammed. Also today, Airbnb’s new transparency reveals a stunner: FEES and how much they add to the stated nightly rate. Know what to expect when booking.  Scam Avoidance Rules: Segment 1 Ask Clark: Segment 2 Airbnb Fee Reveal: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Telecom company sued by nearly every state over billions of robocalls How To Stop Spam Calls for Good Clark Howard's #1 Rule To Avoid Email Scams Why You Should Never Click on Random Text Messages 3 Places You Should Never Invest Your Money How To Find and Choose a Financial Advisor Best Investment Companies for Investors in 2023 Airbnb Revamps Site to Ease Tensions Between Guests, Hosts Study: Cities With The Worst Airbnb Fees In 2023 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, one of Clark’s long recommended vendors for prescription eyeglasses has dropped in Consumer Reports ratings. Clark discusses the ongoing eyeglasses market cartel and where to get the best value.  Clark Stinks: Segments 1 & 2 Where To Buy Eyeglasses: Segment 3 Ask Clark: Segment 4 Mentioned on the show AAA Membership: Is It Worth It? Do Not Give Your Social Security Number at These Places I Lost $400K of My Retirement Savings in a Roth 401(k) — If You’re Not Careful, You Could, Too Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Costco Tire Center Appointments Eyeglass Store Ratings - Consumer Reports® Zenni Optical Review: 6 Things To Know Before Your First Order How To Open a Roth IRA Clark Howard and the Prostate Cancer Foundation - 3T MRI of the prostate with & without contrast with 3d post processing Be Your Own Health Advocate Clark.com resources Episode transcripts Community.Clark.com 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

Generally, close to half of Americans can’t cover the inevitable $400 or more unexpected expense. The mentality of tapping a 401(k) has taken hold. Running up credit card debt - not great either. Clark has a prevention suggestion to get you started on being prepared. Also, big grocery inflation has led to big changes in buying behavior. Clark talks about where people are getting the most for their grocery money.  1% Saving Habit: Segment 1 Ask Clark: Segment 2 Save More On Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes: It’s ‘More Expensive to Live,’ and Workers Are Cracking 401(k)s for Help Most Americans lack the cash to cover a surprise $400 expense Emergency Fund: Everything You Need to Know Can You Use a Credit Card on Venmo? Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card 5 Money Tips To Know Before You Travel Abroad Wise: the international account | Money without borders International Money Transfer from the United States - Revolut We Had a Recent Hail Storm. Should I Use My Insurance To Fix My Roof or Pay Out of Pocket? Report: Club stores absorbing grocery market share from supermarkets 22 Ways To Save Money on Groceries Fidelity Investments Review 2023: Pros & Cons Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Best Credit Cards for Gas Rewards: Top Picks for 2023 Clark.com resources Episode transcripts Community.Clark.com 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

Investment pools that don’t offer normal disclosures are blowing up on people. Dark money funds,  SPACs, real estate crowdfunding groups, private placements on “the ground floor of opportunity”  -  they may sound wonderful. But they’re a costly lesson in high risk vs traditional investing. Clark spells out the difference to protect your investments. Also, It appears the streaming party is over. All at once, Netflix and other services are changing the rules & raising prices. Clark has a money saving assignment for you.  High Risk Investments: Segment 1 Ask Clark: Segment 2 SAVE on Streaming: Segment 3 Ask Clark: Segment 4 Mentioned on the show Company Insiders Made Billions Before SPAC Bust - The Wall Street Journal. A Housing Bust Comes for Thousands of Small-Time Investors Get-rich-quick schemes, pyramids and ponzis: five signs you're being scammed — The Conversation Synthetic Identity Theft Definition - Investopedia Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Platinum Card® from American Express Review 2023: Is It Worth It? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Employee Stock Purchase Plan (ESPP): What It Is The cheapskate’s guide to digital entertainment Clark.com - Netflix Unveils Plans To Charge U.S. Customers for Account Sharing Clark.com - Why T-Mobile Customers May Hit a Snag With New Netflix Policy Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - Live TV Streaming Channel Tool YouTube TV Releases NFL Sunday Ticket Pricing 7 of the Best High-Yield Online Savings Accounts in May 2023 Clark.com resources Episode transcripts Community.Clark.com 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

Clark spoke recently about the role of family and friends when it comes to fraud protection for our elders. Today he has a first hand account of why it's so vitally important we take this to heart. Also today, The Consumer Federation of America reports that home repairs and renovations are a top area of complaints. Avoiding these headaches starts with how you hire a contractor and Clark has some guidelines for getting it right from the get go.  Vigilance For Vulnerable Seniors: Segment 1 Ask Clark: Segment 2 Hiring A Contractor: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Spot Financial Abuse of an Elderly Relative or Friend EcoATM: 5 Things To Know Before You Sell Your Phone Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? No surprises here: These are the top US consumer complaints, from cars to credit cards Clark.com- 6 Tips for Hiring a Contractor PSA Collectibles Authentication and Grading Service Beckett Authentication Services: Sports & Non-sports   Memorabilia Auctions - Heritage Auctions Sell Sports Memorabilia with Sotheby's Christie’s Sports Memorabilia A Quick Guide on How to Insure Jewelry Clark.com resources Episode transcripts Community.Clark.com 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

For the last 20 years, the tech industry freemium business model has worked to get people using a service. That was the land grab phase. Now investors want a return. Also - How effective is the personal finance education offered in schools? Is it enough? Clark discusses basic ways to greatly improve financial literacy for a lifetime. Free Tech Tiers Ending: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show Tech companies to free users: Time to pay up Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Should I Buy Additional Insurance From a Rental Car Company? Credit Card Car Rental Insurance: What You Need To Know The case for financial literacy education How to Teach Young Kids About Money 6 Tips to Teach Teenagers About Money 4 Ways To Raise Financially Independent Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recently exposed by industry whistler blowers, Clark discusses the cynical practice by some health insurers to deny claims without review. How to get clarity if denied a claim, and how to fight it, if need be.  Clark Stinks: Segments 1 & 2 Denied Health Insurance Claims: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA 3 Places You Should Never Invest Your Money Are You Following Clark's Maximum Auto Loan Length Rule? Health Insurance Claim Denied? See What Insurers Said Behind the Scenes How to Deal With Medical Debt Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com 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

There are those among us who live to travel. Clark breaks down nomadic lifestyle scenarios from remote workers to retirees, like his brother & sister-in-law, who SAVE MORE being nomadic pros, unencumbered by house or automobile. It can be done! But it's not for everyone. Also, A free big screen TV is now available - not a scam but of course, like other free services past & present- there’s a catch. The Nomad Life: Segment 1 Ask Clark: Segment 2 Free Big Screen TV Offer: Segment 3 Ask Clark: Segment 4 Mentioned on the show I work remotely from vacation rentals. It's cheaper than rent or a mortgage — here's how I find good deals and choose where to go next. Verizon Wireless Introduces New 'myPlan' Unlimited Plans T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Discover it® Cash Back Review: Earn Rotating 5% in Top Categories Chase Freedom Flex℠ vs. Chase Freedom Unlimited®: What’s the Difference? Policygenius Review: What To Know Before Getting Quotes Telly’s wild idea: Free TVs with inescapable ads Telly I The biggest thing to happen to TV since color. Pluto TV Review 2023: Get Live Streaming TV For Free How To Plan a Trip: Clark's Best Travel Tips To Save Money How To Spot and Avoid Gift Card Scams 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The job market dynamic continues to change and Clark points to where the market is strongest. Job seekers need to know the highest growth areas offering opportunities. Also discussed today -  Americans are defaulting on debt at a rapidly increasing rate right now, pushing the delinquency rate up 50% in a year!  BUCK that trend.  Surprise Job Growth Areas: Segment 1 Ask Clark: Segment 2 Dealing In Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] The real reason America’s nonprofit sector is seeing massive growth, and more! What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? How and Why To Refinance Your Mortgage: A Step-By-Step Guide WSJ - Americans Are Falling Behind on Their Bills Consumer debt passes $17 trillion for the first time despite slide in mortgage demand   Are You Following Clark's Maximum Auto Loan Length Rule? Why 'Buy Now, Pay Later' Worries Clark Howard Warning: Here’s What Those Debt Settlement Companies Don’t Tell You 6 Things To Know Before Contacting the National Foundation for Credit Counseling Ditch Your Debt - Clark Howard Community How To Buy Term Life Insurance in 7 Easy Steps Why You May Need More Than One Checking Account Clark.com resources Episode transcripts Community.Clark.com 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

One of life’s biggest purchases is a car. The industry has been on a rollercoaster but the ride is finally smoothing out for buyers. Clark provides a market update on how prices are moving for both new and used vehicles. Also today - a huge pharmacy hack has exposed the key personal information of 6 million patients to criminals. The number one thing you can do to protect your identity.  Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Freeze Your Credit Stat: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes: Why Is Inflation So Stubborn? Cars Are Part of the Answer. Why the car you want to buy might be impossible to find [The Washington Post] New cars, once part of the American dream, now out of reach for many US consumers keep vehicles for a record 12.5 years on average -S&P Insurance Archives - Clark Howard What Is an ABLE Account? TechCrunch: US pharmacy giant says hackers accessed personal data of almost 6 million patients PharMerica Data Breach: What To Know and How To Protect Yourself How To Freeze Your Credit With Experian, Equifax and TransUnion Best Online Banks: Free Checking and High-Interest Savings Accounts BBB-File a Complaint Best 2% Cash Back Credit Cards: 8 Options in 2023 Best Cash Back Credit Cards With No Annual Fee Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Approaching Memorial Day, Clark shares perspective on regaining a sense of national purpose in America with regard for the ongoing sacrifices made by our military, and wants to ensure veterans and active personnel know about all the benefits available to them.  Clark Stinks: Segments 1 & 2 Military Benefits: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amtrak YNAB Review: 5 Things To Know About the Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Schwab Certificate of Deposit Apple News+ 1 Year Subscription Clark.com - Buying Tires How To Make Your Online Accounts Accessible When You Die Homeowners Insurance Archives - Clark Howard How To Find a Good Moving Company Military veterans can now receive free emergency mental health care Military and Veterans Guide: Free Resources for Your Finances The Best Veterans and Military Charities Army National Guard - Get Started Do Debit Cards Still Stink in 2023? The Safer Way To Use Your Debit Card 7 Places to Get the Best Deals on Lab-Created Diamonds Best Renters Insurance Companies and Ones To Avoid Living Will and Durable Power of Attorney: Frequently Asked Questions Clark.com resources Episode transcripts Community.Clark.com 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

Passwords. There’s got to be a better way. Clark discusses the password problem and security key solution, including the passkey system from Google. Also - Memorial Day weekend begins tomorrow kicking off what looks to be the busiest summer travel season ever. Clark has advice for both road and air travel, including ways to save on today’s higher airfares. Security Keys VS Passwords: Segment 1 Ask Clark: Segment 2 Summer Travel Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Hate passwords? You're in luck - Google is sidelining them Security Key Series | YubiKeys | Yubico - Security Key Series Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Clark.com: Best Rewards Credit Cards / Best Credit Cards for Investing Rewards Brace yourselves, travelers: This summer could be ‘one for the record books’ US airlines thrown a curveball as consumer habits change post-pandemic Travel Archives - Clark Howard /  Clark.com - Save on Airfare Clark.com Top Travel Deals / Clark Deals - TRAVEL Airline Customer Service Dashboard Fly Rights | US Department of Transportation Life at Sea Cruises     Clark.com resources Episode transcripts Community.Clark.com 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

As parts of the economy emerge from inflation, post pandemic conditions remain rough for retailers and that means discounts to attract buyers. Every form of discounting is going on, including on some of life’s necessities. Be on the lookout for lower prices & special offers. Also today, a cautionary tale about a senior scammed out of millions, right under the nose of his bank and credit union. What is the responsibility of financial institutions, families and loved ones to protect the life savings of our vulnerable elders? Happy Deals Are Here Again: Segment 1 Ask Clark: Segment 2 Our Mission Must Be Elder Fraud Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Retailers Ramp Up Discounts to Try to Bring In Shoppers CLARK DEALS - Deals You Can Trust 7 Things on Deep Discount in May Life Insurance Archives - Clark Howard An elderly man was scammed out of millions. Could the bank have done more to prevent fraud? - from USA TODAY Why Structured Notes Might Not Be Right for You What Is a Fiduciary Financial Advisor and Do I Need One? Best 529 College Savings Plans By State Why hitting the lottery could leave you broke Clark.com resources Episode transcripts Community.Clark.com 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

They advertise on billboards, roadside signs and in media - real estate companies that specialize in distressed properties. Should you ever consider giving them a call? Like any industry, there are both legit and crooked players in the real estate investment game as cash home buyers. A Clark Smart Warning includes a reminder to watch over our vulnerable senior loved ones. Also, half of Americans with paid vacation don’t use it all! Clark speaks to this unspeakable stat, with a directive for you.  Unethical Real Estate Investors: Segment 1 Ask Clark: Segment 2 ALL Your Vacation Time!: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Ugly Truth Behind “We Buy Ugly Houses” Five Stories of Lives Upended After Dealing With the “We Buy Ugly Houses” Company [The Washington Post] The mystery of the disappearing vacation day Less Than Half of US Workers Use All Their Vacation Days Clark.com-Timeshares / Timeshare Users Group / Vacatia Clark Howard's Guide to Saving Money on Your Wedding How To Manage Your Monthly Subscriptions To Save Money 7 Types of Subscriptions You May Want To Cancel Today Clark.com resources Episode transcripts Community.Clark.com 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

Clark has a personal health update and some solid advice for others, specifically men, about how to advocate for and guard your most valuable asset: your health. Also, the unofficial start of summer is upon us, and buried under negative headlines is great news about gas prices and energy costs in the coming months.  Protecting Men’s Health: Segment 1 Ask Clark: Segment 2 Summer Energy Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard and the Prostate Cancer Foundation NYTimes: Too Many Older Men Are Still Screened for Prostate Cancer [The Washington Post] A silent crisis in men’s health gets worse Before you believe addiction or cancer claims, read this Why melanoma is so deadly for men, and why it doesn’t have to be Home Title Lock: Is It the Same As Home Title Insurance? Clark.com: What Is Owner’s Title Insurance and Do You Need It? How and When To Cancel a Credit Card Why You Should Keep Old Credit Card Accounts Open American Drivers Are Last Hope for Global Fuelmakers Ahead of Tenuous Travel Season What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recall Clark’s enthusiasm for his portable carbon monoxide detector, great for travel. New data from the Consumer Product Safety Commission shows carbon monoxide deaths are rising in residential settings. Find out why this is happening and your quick fix against this silent killer.  Clark Stinks: Segments 1 & 2 Essential Safety: CO Detectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA The $10 Travel Essential Clark Howard Always Packs Consumer Product Safety Commission report shows upward trend in carbon monoxide fatalities Carbon monoxide detectors are cheap and save lives 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Is a robot lawn mower worth it in 2023? Clark.com resources Episode transcripts Community.Clark.com 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

Entrepreneurs make the world go round and as the job market transforms, many decide to start their own business, which may include holding a franchise. Clark has specific, must-do, key rules for those considering becoming a franchisee. Another big life decision - getting engaged. Turns out after the post pandemic wedding surge, engagements rates are down. This presents a marketplace opportunity for future newlyweds.  Key Rules For Aspiring Franchisees: Segment 1 Ask Clark: Segment 2 Otherwise Engaged - Diamond Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show Franchise ownership: Is it right for you? Franchise Fundamentals: Debunking five myths about buying a franchise The Only Reason You Should Make an Improvement to Your Home Should I Turn To Costco for a Home Renovation Project? Best Online Will Maker: 5 Free or Cheap Options Living Will and Durable Power of Attorney: Frequently Asked Questions Curb | Low-Cost, On-Demand Rides - GoCurb.com Engagement ring sales are down sharply, according to America’s biggest jeweler 7 Places to Get the Best Deals on Lab-Created Diamonds Is there a limit on how much my mortgage lender can make me pay into an escrow account for interest and taxes? About ASE - Automotive Service Excellence Retailers return fees — and how you can avoid them. Clark.com resources Episode transcripts Community.Clark.com 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

With the controversial advent of generative AI so heavily reported, Clark shares good news about AI automation being used to improve food services. Also today, TV and general repair shops vanished long ago, and thus began a slow building, global movement to fix broken items. If you need help beyond YouTube videos to fix electronics and other items, be aware of Repair Cafés. Automated Food Service: Segment 1 Ask Clark: Segment 2 Repair Cafes Promote Sustainability: Segment 3 Ask Clark: Segment 4 Mentioned on the show Carl's Jr. and Hardee's to roll out A.I. drive-thru ordering nationwide This company adopted AI. Here's what happened to its human workers Best 529 College Savings Plans By State Future Scholar: South Carolina’s 529 Savings Plan Best Credit Cards for Students: Top Picks for 2023 Wirecutter: How to Get Your Broken Stuff Fixed for Free Repair Café International Foundation’s map What Is a Credit Union?   Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares good news on the summer travel front including more fee disclosure from hotels, and big improvements from Airbnb. Also today - a special warning about a medical payment method to be avoided.  Hotel & Airbnb News: Segment 1 Ask Clark: Segment 2 Paying For Medical Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How to book travel on Priceline Find Out What Priceline or Hotwire Hotel You’re Getting Before You Book Marriott just blinked on those nasty resort fees / ResortFeeChecker. Airbnb Revamps Site to Ease Tensions Between Guests, Hosts At. Freaking. Last. Airbnb is fixing its core design problems, says CEO Brian Chesky Airbnb is going back to its apartment-sharing roots with Rooms amid tighter regulation Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Where You Should (and Should Not) Book Your Next Vacation Beware of twist on third party airline ticket booking scam Do Not Give Your Social Security Number at These Places Wise Official Website - Wise.com / About Money Transfer GB | Revolut Biden administration warns consumers to avoid medical credit cards Should You Pay for Credit Monitoring? How to Freeze Your Child's Credit As Used-Car Prices Surge, Consider Fixing the Car You Already Own Clark.com resources Episode transcripts Community.Clark.com 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

With bank failures eroding public confidence, Clark has an update on how to protect money beyond the FDIC insurance limit. Also today, inflation’s effect on proms and weddings, and ways to stretch your dollars for special events.  FDIC Insurance: Segment 1 Ask Clark: Segment 2 Special Event Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Nearly half of Americans are nervous about their money in the bank, Gallup survey finds Get Peace of Mind for Large Cash Balances with ICS & CDARS Are Money Market Funds a Safe Place To Stash My Savings? Donor-Advised Funds: The Benefits and Drawbacks How to Set up a Backdoor Roth IRA Clark.com - How To Sell A Car Prom price index shows cost of celebration is getting relatively cheaper – even at a time of high inflation Clark Howard's Guide to Saving Money on Your Wedding The Long Demise of the Stretch Limousine Turning 26: Health Insurance Guide for Those Aging Off Their Parents’ Plan How To Store Your Important Financial Documents Online How to Make a Disposable Razor Last 12 Months Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, lost luggage is always a problem, and a growing one in the cruise industry. If you insist on checking luggage, Clark has advice for packing your carry on bag including a NEVER EVER rule, so things go easier if your luggage goes MIA.  Clark Stinks: Segments 1 & 2 Carry On Rules If Checking Luggage: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks Where Should I Look for a Great Deal on a Cruise in 2023? Best Credit Cards for Students: Top Picks for 2023 Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Welcome to the FDIC’s Electronic Deposit Insurance Estimator (EDIE) Should Uninsured Deposits Get a Warning Label? The era of free returns may be coming to an end. Why retailers are charging return fees — and how to avoid them. Lost Luggage a Growing Problem for Cruise Ship Passengers Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com - Weddings Clark.com resources Episode transcripts Community.Clark.com 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

Rising interest rates - raise interest in how to optimize savings yields. Clark explains your best moves with Series I Savings Bonds and CDs in the current context of cooling inflation and where rates stand today. If you’ve got cash to stash, you’ll better understand the savings moves to make right away to make the most of your money in time. Also, many Americans are neglecting an important part of protecting their families - life insurance. Clark helps you understand and get beyond the industry’s current dysfunction - to get this vital task taken care of the right way, once and for all. Best Saving Strategies Now: Segment 1 Ask Clark: Segment 2 Get It Done-Life Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show 3 Things Clark Says You Should Do With CDs in 2023 CNET - The Clock Is Ticking to Lock In a Long-Term CD: Why Experts Say You Shouldn't Wait Morningstar: I Bonds Are Down, But Not Out The Wall Street Journal: Return on I Bonds Drops to 4.3%, but They May Now Be a Better Long-Term Investment What Is a CD Ladder and When Is It a Good Idea? Are Money Market Funds a Safe Place To Stash My Savings? Your Guide to DIY Home Security Systems Wyze Cam v3 Review: Still Easy to Recommend / Wyze Cam Clark Deals - Home Security / Amazon Best Sellers in Security Cameras Life Insurance Is Profitable Again, but Too Late for Many Insurers What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Life Insurance Archives - Clark Howard 12 Things You Never Knew You Could Get From Your Local Library Clark.com resources Episode transcripts Community.Clark.com 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

In a slowing economy, be a skeptic, especially when it comes to finding employment. The way we find jobs today is very different, but some elements of landing a job remain the same. Clark shares the importance of networking, along with warnings about “ghost jobs” and job scams. Also today, Clark presents a new take on the age old question: Can money buy happiness? Thoughts on the nature of happiness, retirement and the money quotient.  Beware Job Scams: Segment 1 Ask Clark: Segment 2 Happiness Is…: Segment 3 Ask Clark: Segment 4 Mentioned on the show Job Listings Abound, but Many Are Fake FTC Consumer Alert - You Got The Job! Do Not Give Your Social Security Number at These Places Subrogation in Insurance: What it Is and Why It's Important GAF Energy Review: Your Best Solar Roof Option [The Washington Post] Can money buy happiness? Scientists say it can. Does more money correlate with greater happiness? The Humble Dollar - What really makes people Happy The Finnish Secret to Happiness? Knowing When You Have Enough. What Is Owner's Title Insurance and Do You Need It? How Many Credit Cards Should I Have? Best Travel Credit Cards: Top Rewards Picks for 2023 Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s complicated when kids leave the nest these days. How long should young adults receive support from their parents? Almost half of parents are supporting at least 1 adult child and the average amount given monthly is surprisingly high. Follow Clark’s plan to help kids launch into independence as adults. Also today - International travelers! There’s a global gotcha when paying for anything overseas. Know this important rule about how you pay when you are abroad Parents Funding Adult Kids: Segment 1 Ask Clark: Segment 2 Purchases Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show How long should you support your adult children? Parents — and their kids — weigh in When Different Generations Think Kids Should Start Paying Their Own Bills Mint Review: 5 Things To Know About the Free Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Is Apple Card Worth It? 5 Things To Know in 2023 How To Dispute a Charge on Your Credit Card Are You Following Clark's Maximum Auto Loan Length Rule? Travelling abroad? Don't be tempted to pay your way using your home currency — The Conversation Clark.com: Best Credit Cards With No Foreign Transaction Fees in 2023 Best Travel Credit Cards: Top Rewards Picks for 2023 Revolut - International money transfers Too Good To Go: Save Food - Help The Planet Clark.com resources Episode transcripts Community.Clark.com 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

Scammers have learned how to manipulate search results, laying the groundwork for rip offs and identity fraud. Today, learn what to avoid and how to correctly obtain your credit report & score. Also, a new study exposes mislabeling of a very popular supplement - which speaks to an ongoing problem in the dietary supplement - herbal remedy market. Buying unverified products can have serious health consequences. Clark helps you choose wisely by knowing what certifications to look for. Sourcing Credit Reports & Scores: Segment 1 Ask Clark: Segment 2 Supplement Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Never Google ‘free credit report.’ Do this instead. 4 Ways To Get Your Free Credit Score / How To Get a Free Credit Report Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion What Is a Rollover for Business Startups (ROBS)? How to Buy a New Car in 5 Steps AMA - Quantity of Melatonin and CBD in Melatonin Gummies Sold in the US NYTimes: 22 Out of 25 Melatonin Products Were Mislabeled, Study Finds How To Avoid Fraud With Herbal Supplements ConsumerLab.com / NSF International / U.S. Pharmacopeia Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Warning: There is no viable secondary market for timeshares- but there ARE con job “timeshare resale services” and now criminal rings are into timeshare resale scams. Clark’s best advice for unloading a timeshare.  Clark Stinks: Segments 1 & 2 Timeshare Fraud Ring: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgages Archives - Clark Howard What Is Mortgage Protection Insurance and Do You Need It? How To Dispute a Charge on Your Credit Card Why You Don't Need an 800 Credit Score What Is a Good Credit Score? What Is a Spousal IRA and What Are the Rules? The Best Security Keys for Multi-Factor Authentication Full View - all your online financial information in one place [Franklin News] U.S Treasury sanctions cartel-run timeshare fraud network targeting Americans How To Sell, Cancel or Get Rid of Your Timeshare Scam Alert: Stay Away From Timeshare Exit Companies Which Type of Organization Is Best For Your Business? Clark.com resources Episode transcripts Community.Clark.com 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

We all want to improve our credit. Learn Clark smart ways to build or rebuild your credit including the best secured credit cards. Also, Clark recently talked about the end of free shipping. Well its partner, free returns, is now on life support. Free returns have gone through the roof and online sellers are cracking down. What to know before you buy.  Establish/Repair Your Credit: Segment 1 Ask Clark: Segment 2 The End Of Free Returns: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Credit Karma Review: Free Credit Score and More at Your Fingertips 4 Ways To Get Your Free Credit Score Why You Don't Need an 800 Credit Score What Is a Good Credit Score? The #1 Mistake That Can Hurt Your Credit Score Are You Following Clark's Maximum Auto Loan Length Rule? Amazon Just Made a Surprising Change That Breaks Its Most Important Rule. It'll Make Some Customers Angry Amazon will charge customers a fee for some UPS returns Clark.com resources Episode transcripts Community.Clark.com 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

Yet more statistics confirm how little American couples and families talk about money. This reluctance is actually harmful to your financial security and independence. It’s vital to know how to start the conversation - and keep it ongoing. Also, Influencers are so powerful in the marketplace today, and are now taking the moving industry by storm. When it comes to moving and the risks involved, don’t follow influencers. Don’t follow ads. Follow Clark’s moving rules.  MONEY Conversations:  Segment 1 Ask Clark: Segment 2 Rules For Safe MOVING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Americans are choosing lottery tickets and maybe even fortune tellers over financial planners   How Couples Can Get on the Same Page About Money How Do I Know Whether I’m Getting a Good Price on Gutter Protection Covers and Other Household Improvements? Lindsay Lohan, Soulja Boy Accused by SEC of Illegally Touting Crypto Token Help Me Move? I’ll Pay You in Instagram Likes How To Find a Good Moving Company   /   Moving.com  /  Move.org Automatic Bill Pay: How It Works and How To Do It Safely Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com 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

There’s a new twist on grocery vs restaurant inflation. Clark helps you stretch your food dollars given what’s happening now. Also today, Clark offers a savings strategy free of bank worries, that is both secure and can yield more interest on your parked cash. Plus a NEVER EVER Rule on buying CDs.  Supermarket vs Restaurant Inflation:  Segment 1 Ask Clark: Segment 2 A SAVINGS Twofer: Segment 3 Ask Clark: Segment 4 Mentioned on the show Restaurant prices are rising faster than grocery prices for the first time since inflation ran hot What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? SSA.GOV -Benefit Reduction for Early Retirement WSJ - Why Brokerage Accounts Are So Generous Now - The Wall Street Journal. What Is a CD and Should You Open One? What Is a CD Ladder and When Is It a Good Idea? Betterment Review: How It Works, Pros & Cons Wealthfront Review: How It Works, Pros & Cons Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Should I Borrow Money To Pay for a Wedding? How To Open a Roth IRA Balanced Fund: Definition, Investment Mix, Examples What Are Index Funds? Clark.com resources Episode transcripts Community.Clark.com 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

Many remain unsettled about the stock market rollercoaster we’ve been on lately. Clark illustrates basic investment principles with a simple calculation that should calm your fears and enhance your understanding of WHY you ride it out long term. And - where to NEVER EVER place your Roth IRA.  Also today - you likely have many digital accounts. Know how to ensure your loved ones have access when the need arises.   Investing For The Long Term Win:  Segment 1 Ask Clark: Segment 2 Digital Account Access: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here’s how much money you'd have if you invested $1,000 in the S&P 500 a decade ago Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? What Is an ETF?   /   How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Fidelity and State Street Push to Make 401(k)s More Like Pensions - The Wall Street Journal. 2 Ways To Guarantee Yourself a Lifetime Stream of Income 6 Things To Know Before Contacting the National Foundation for Credit Counseling Actually, Charging Your Phone in a Public USB Port Is Fine THE WSJ: Before You Die, Secure Your Digital Life Clark.com How To Make Your Online Accounts Accessible When You Die Facebook Settlement: How to Claim Part of a $725M Privacy Settlement Facebook Settlement Submission Claim Proton Mail — Get a private, secure, and encrypted email Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, most Americans think their children are going to be worse off than they are. Clark discusses what’s behind this “recency bias” and gives a counterpoint to the pervading sense that our best days are behind us. Why is Clark optimistic?  Clark Stinks: Segments 1 & 2 Reason For Optimism: America’s Future: Segment 3 Ask Clark: Segment 4 Mentioned on the show 25+ Places That Offer Discounts to U.S. Veterans Military and Veterans Guide: Free resources for getting your finances in order Betterment Cash Reserve | High-yield cash account Where To Buy the Best Cheap Printer WSJ: Most Americans Doubt Their Children Will Be Better Off, WSJ-NORC Poll Finds Millennial Money: Can therapy help make you richer? America Is Back in the Factory Business Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity Valley.com Transfer FAQs Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New federal rules on mortgage fees - known as  loan level price adjustments - have a lot of people hot under the collar. This affects people in different ways depending on credit score and down payment. Clark explains what’s going on and those most affected. Also - Summer approaches, and skin cancer rates dictate protecting your skin. You can also protect your wallet because the best sunscreens are not necessarily the most expensive. And then there’s the chemical vs mineral block sunscreen debate…. New Mortgage Lending Fees: Segment 1 Ask Clark: Segment 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgage fees are changing for homebuyers next month. Here's what you should know. NYPost - How the US is subsidizing high-risk homebuyers — at the cost of those with good credit Is There Really a New, Unfair Mortgage Tax on Those With High Credit? Mortgages Archives - Clark Howard What Are the Benefits of an Assumable Mortgage? Should You Buy Out Your Leased Car? Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart (Skin cancer is the most common cancer in the United States.) Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com 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

Clark shares new travel info including Spirit’s StatusMatch promotion and news on last minute fares. Also in this episode, the plague of customer NO service has only gotten worse. Clark offers strategies, including a NEVER NEVER rule about what NOT to say. Air Travel Info: Segment 1 Ask Clark: Segment 2 Customer No Service: Segment 3 Ask Clark: Segment 4 Mentioned on the show Spirit Airlines will now match loyalty status on other airlines New Report: Top 5 Cheapest Airlines for Last-Minute Domestic Flights Should You Use Credit Card Portals to Book Travel? Upgraded Points Data Study Reveals Most Affordable Airlines for Last-Minute Ticket Purchases on Most Popular Domestic Flights Dollar Flight Club | Cheap Flights - International & Domestic Where Should I Look for a Great Deal on a Cruise in 2023? Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? The Only Way You Should Pay for a Cruise As Customer Problems Hit a Record High, More People Seek ‘Revenge’ [The Washington Post] Vanishing phone customer support is driving us all insane Customer No Service - Clark Howard Community BBB-File a Complaint Submit a complaint | Consumer Financial Protection Bureau 7 Things To Know About Costco Pharmacy 10 Ways To Save on Prescription Drugs Mark Cuban Cost Plus Drugs New to volunteering? A How-To-Guide to find the right fit Clark.com resources Episode transcripts Community.Clark.com 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

What to know about Apple’s new savings account offer. Plus, a cautionary note about companies promoting high savings rates that only amount to promissory notes because they’re NOT insured. Learn what to look out for to protect your hard earned savings. Also today, the wait is over. Finally a new rule on medical debt kicks in that could kick up your credit score.  Apple Savings Offer: Segment 1 Ask Clark: Segment 2 Medical Debt Law Now In Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Apple Makes the iPhone a Home for Savings Accounts Clark.com: Apple Is Now Offering 4.15% APR Savings Accounts: Is There a Catch? This Start-Up Promises Rates 13 Times Higher Than a Typical Savings Account. One Problem: It Isn’t a Bank Deposit Insurance - FDIC / Are Credit Union Deposits Insured Up To $250,000? Fidelity Youth Account frequently asked questions (FAQs) CarMax Review: 5 Things To Know Before You Buy or Sell [The Washington Post] Finally, medical debt under $500 has been removed from credit reports What is a “surprise medical bill” and what should I know about the No Surprises Act? 3 Ways To Get a Free VIN Check Before Buying a Used Car How To Spot a Puppy Scam Online Clark.com resources Episode transcripts Community.Clark.com 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

One of the biggest financial decisions in life is the purchase of a home. Clark has warnings about 2 trends that can be perilous in the long run for home buyers. Also on today’s episode, the recent shuttering of David’s Bridal stores points to a bigger concern: How to handle making an advance deposit on a future purchase. Clark has an important “NEVER NEVER NEVER NOT EVER” rule, to protect your money.  2 Mortgage Warnings: Segment 1 Ask Clark: Segment 2 Advance Deposit Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show Feds expand 40-year mortgage eligibility. Experts say it could lead to more. NYT - Retired and Buying a Starter Home. It’s Forever. Banks Are Closing Customer Accounts, With Little Explanation How Many Credit Cards Should I Have? Capital One now rejecting transactions from Affirm, Afterpay and more WSJ: David’s Bridal Will Close All Stores in Chapter 11 Unless Buyer Emerges Do Not Give Your Social Security Number at These Places NYT - Shifting Norms on Tattoos in Japan Clark.com - Streaming TV  -  Live TV Streaming Channel Tool Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, throughout history, older generations have maligned youth, and Gen Z - ages 11 to 26 - has received their share of criticism. So why are they the best at saving for retirement in human history? There’s a behavioral finance reason at work here….  Clark Stinks: Segments 1 & 2 Gen Z Acing Saving: Segment 3 Ask Clark: Segment 4 Mentioned on the show Scams & Rip-Offs Archives - Clark Howard What Is a Flexible Spending Account? CR RECOMMENDED Clark Deals - Today's Best Deals of the Day Is Apple Pay a Safe Alternative to Zelle? The Safer Way To Use Your Debit Card Do Not Give Your Social Security Number at These Places Barrons.com: Gen Z Is Saving More for Retirement Than Previous Generations. Here’s Why Auto Enrollment Plan Definition How To Buy Term Life Insurance in 7 Easy Steps Car Insurance Archives - Clark Howard Becoming a Landlord: How To Find a Good Tenant Clark.com resources Episode transcripts Community.Clark.com 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

Consumer goods manufacturers are using a targeted strategy to rip off consumers with vaunted versions of self-care and home products, boasting massive profit margins on their so-called premium lines. Don’t fall for this marketing scheme. Also, after shameless industry cartel gouging forever, OTC FDA approved free market hearing aids are finally available at significantly lower prices - and some are getting great reviews. Manufacturer Mind Games: Segment 1 Ask Clark: Segment 2 Hearing Aid Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show $90 cream and $10 toothpaste: Companies target big spenders HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Should You Buy Cell Phone Insurance? The Best Places To Buy Hearing Aids  7 Best Over-the-Counter (OTC) Hearing Aids of 2023 Use these security keys to lock down your computer and protect your personal info The Strongest Protection for Your Online Accounts? This Little Key Community.Clark.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

There’s a strange way people are violating others’ privacy on payment apps. Clark tells you the vulnerability, and what you can do about it, depending on the app. Also, the housing market remains in a kind of freeze. But new national data reveals a general trend potential home buyers can take advantage of. Payment App Violation: Segment 1 Ask Clark: Segment 2 Seasonal Home Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - Don’t Forget to Block Your Ex on Your Payment Apps Mobile Passport Control TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? Emergency Fund: Everything You Need to Know When Is The Best Time to Buy a House? NYTimes.com: Buying or Selling a Home? Welcome to the Year of Disappointment USDA Eligibility / Single Family Housing Guaranteed Loan Program Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The US spends 20% of our national income on healthcare vs. 8% in other countries.. Our system is rife with inefficiencies. Clark touches on 3 areas: Amazon One Medical, the primary care physician shortage and insurance issues you should be aware of. Also, the FBI has issued an alert about charging devices in public spaces. Know the risk and how to avoid it. Healthcare Updates: Segment 1 Ask Clark: Segment 2 FBI Alert: Public Charging Stations: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things to Know about Amazon’s Recent One Medical Acquisition The big squeeze: ACA health insurance has lots of customers, small networks [The Washington Post] Making a telehealth appointment? You might still pay a facility fee. First Aid Kit Consider paying cash (at least sometimes) How Cigna Saves Millions by Having Its Doctors Reject Claims Without Reading Them Are Swimming Pools Becoming Affordable Again? FBI warns consumers not to use public phone charging stations 5 Sneaky Ways To Improve Your Credit Score When Is the Best Time To Collect Social Security? Maximize My Social Security: Calculate Your Highest Benefits 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

Tomorrow is tax day. What if you can't pay what you owe right now? Understand the penalties: Failure to pay vs failure to file. AND - be aware of tax scams. Also in this episode, the banking industry is going through a troubled phase, making it a difficult time for customers. Banks are closing accounts with no warning, making Clark’s “Noah’s Ark Rule” more important than ever.  Tax Day-Failure To File: Segment 1 Ask Clark: Segment 2 Banks Shutting Down Accounts: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] If you owe the IRS and can’t pay, this is what you should and shouldn’t do No, the IRS isn't calling you. It isn't texting or emailing you, either [The Washington Post] Don’t get tricked by these ‘Dirty Dozen’ tax scams 5 Tax Scams You Need To Watch Out for in 2023 Why You Do Not Want To Get a Big Tax Refund Check Automatic Bill Pay: How It Works and How To Do It Safely What Is a Fiduciary Financial Advisor and Do I Need One? NYTimes: Banks Are Closing Customer Accounts, With Little Explanation Credit Union Small-Dollar Loan Volume Hit New High in 2022 Credit Union vs. Bank: What's the Difference? How Many Credit Cards Should I Have? MyMoneyBlog About the FedNow 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - A shortage of planes, a shortage of pilots, supply and demand - airfares are up around 20%. But there are ways to save including how far out from travel you book, and which days are cheaper to fly. Learn new ways to save money on flights.  Clark Stinks: Segments 1 & 2 Air Travel Saving Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Thrift Savings Plan? What Is a 403(b) and How Does It Work? What Is an HSA Account and How Does It Work? Where To Buy the Best Cheap Printer New Feature From Google Flights Will Help Ensure That You Don’t Overpay Google Wants You to Never Overpay for a Flight Again CNET - The Best Time to Buy Plane Tickets for the Cheapest Flights [The Washington Post] This cheap flights expert thinks you should be booking trips earlier   Going™ | Formerly Scott's Cheap Flights Travel Archives - Clark Howard Best Travel Credit Cards: Top Rewards Picks for 2023 Airline admits staff gets bonus when they charge for oversized luggage 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

Clark has warned against commissioned insurance products including fixed, variable and/or universal life; annuities, and annuities disguised under different names. Someone selling on commission is NOT a fiduciary, but some self-described fiduciaries are using a loophole to do just that. Clark explains what to look out for when choosing a financial planner. Also, we’re going through a clear job rotation in the U.S. New data reveals distinct geographical indicators of the top job growth metros in the country, and the effect that has on housing affordability. WARNING - Fiduciary Duplicity: Segment 1 Ask Clark: Segment 2 Top Job Growth Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Financial Advisor and Do I Need One? 2 Ways To Guarantee Yourself a Lifetime Stream of Income Introduction To Money Market Mutual Funds What are money market funds? Digitone ProSeries Call Blocker Product Information Sunbelt Cities Nashville and Austin Are Nation’s Hottest Job Markets When Does a HELOC Make Sense in Your Life? 7 Places to Get the Best Deals on Lab-Created Diamonds 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

Something new & customer friendly from Amazon is a win win. On the other hand, with online retail, know there’s really no such thing as free shipping. Also in this episode, new reporting states that without a fix from Congress, Social Security will be running short in a decade. Has this altered Clark’s advice on what age it’s best to start taking the benefit?  Amazon Return Prevention: Segment 1 Ask Clark: Segment 2 Social Security Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Habitat for Humanity: History - Clark Howard Amazon starts flagging ‘frequently returned’ products that you maybe shouldn’t buy Amazon, other retailers revamp 'free' shipping as costs soar How To Freeze Your Credit With Experian, Equifax and TransUnion 11 Tips to Keep Your Cell Phone Safe Axios: Charted: Rising home insurance Why You Should Update Your Homeowners Coverage Limits Every 3 Years Attention, Travelers: Now Is the Best Time to Switch to eSIM What Is an eSIM? 5 Things To Know Visible Review: 5 Things To Know Before You Sign Up Will Social Security Run Out? Social Security is now expected to run short of cash by 2033 Barrons.com: Why It Makes Sense to Wait for Social Security Even if Benefits Are Cut When Is the Best Time To Collect Social Security? AARP Social Security Calculator Maximize My Social Security: Calculate Your Highest Benefits 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

One of the main ways you empower yourself with money is to owe less. Americans are taking on more and more credit card debt now for lifestyle, and over 40% of card holders are just servicing the debt. Learn Clark smart ways to start digging out. Also, AI is in the news constantly. Artificial Intelligence will open up so many new ways of doing things, but there are major concerns and dire predictions. Clark lends historical perspective on how tech changes the nature of work.  Reducing Debt: Segment 1 Ask Clark: Segment 2 AI Perspective: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] 7 ways to lower your credit card debt after the Fed rate hike New York Post : I was $70K in debt — now I'm 'cash stuffing' to become a millionaire Half of US Employees Earn Extra Cash on the Side, Survey Finds How To Get Out of Debt in 7 Steps / Debt Archives - Clark Howard Backdoor Roth IRA: Advantages and Tax Implications Explained Ask Clark: What Is a Backdoor Roth IRA? SquareUp.com / Best money transfer apps 300 million jobs could be affected by latest wave of AI, says Goldman Sachs Elon Musk and Others Call for Pause on A.I., Citing ‘Profound Risks to Society’ The FTC should investigate OpenAI and block GPT over ‘deceptive’ behavior, AI policy group claims Clark Howard's #1 Rule To Avoid Email Scams How To Recognize and Report Spam Text Messages Why You Should Never Click on Random Text Messages 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

With savings rates up and I Bond rates headed down, Clark clears confusion on whether it’s time to buy or sell Series I Savings Bonds. Also, the scales are starting to “tip” when it comes to gratuities. Being confronted with the tip option touchscreen guilt machine is hitting critical mass. Hear how Clark handles this.  I Bond Update: Segment 1 Ask Clark: Segment 2 The Ubiquitous Tipping Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things To Know About Series I Savings Bonds / SavingsBonds.gov Why This Is the Best Time To Buy Series I Savings Bonds I Bonds rates in 2023 could be better now than in May Small Banks Are Losing to Big Banks. Their Customers Are About to Feel It.   HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment IRS - Charities and their Volunteers Can You Deduct Expenses of Volunteering for Charity? 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

For many sports events, fields are actually spray painted to make them look beautiful, which has led to lawn painting, especially where water is restricted and costly. How some homeowners, including Clark - are saving water by altering their lawns. Also, It’s not uncommon for people to pull their investments out of the market when it trends downward. Right now with economic uncertainty, people are rotating out of stocks in favor of savings, planning to return to the market when it’s “safe”. What are they missing? Plenty. How Clark handles investing.  Lawns & Water Savings: Segment 1 Ask Clark: Segment 2 Steady Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Do Your Neighbors Paint Their Lawns Green? Increasingly, Yes FuelEconomy.gov Welcome to Bluebird Individual Investors Pile Into Cash, Chasing Higher Returns - The Wall Street Journal. NYTimes.com: A Question About Your Money: Has Anything Truly Changed This Week?  [The Washington Post] Four money rules when financial news is making you nervous Should You Sell or Stay Put in the Stock Market? Dollar Cost Averaging Makes You a Fortune Over Time How To Save and Invest the Clark Howard Way How to Freeze Your Child's Credit A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, scammers steal billions of dollars from Americans each year. Clark shares the FTC’s annual summary of top scams, and has a simple rule for avoiding the number 1 scam on the list.  Clark Stinks: Segments 1 & 2 Top Scams & Fraud Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show 6 Tips for Hiring a Contractor Apple Screen Time Passcode NCUA - National Credit Union Administration CUNA: Credit Union National Association 5 Discount Airlines You Need To Know About Scams Cost Consumers $8.8 Billion in 2022 — The Top Five Frauds FBI says $10 billion lost to online fraud in 2022 as crypto investment scams surged Clark.com - Most Common Financial Scams and How To Avoid Them 5 Best Ways To Send Money Online Is a Costco Executive Membership Worth It? Get a new Sam's Club membership for $25 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

Millions of workers are leaving open retirement accounts with thousands of dollars sitting ignored or forgotten. If you’ve changed employers over the years, Clark’s has an assignment for you to make sure you get ALL your retirement money! Also in this episode, Amazon has announced their internet service to compete with Starlink. Who wins with the additional options we will have? The consumer! Neglected Retirement Accounts: Segment 1 Ask Clark: Segment 2 Amazon Satellite Internet: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: Set It and Actually Forget It Clark.com - How To Find Missing or Lost Retirement Accounts How To Find and Claim Missing Money in Your Name How To Open a Roth IRA State Farm® and Ting can help protect your family from electrical fires Cord Cutters News: Amazon’s New Home Internet Service Announces New Details T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Wells Fargo Active Cash® Card Review: Unlimited 2% Cash Back Credit Card Clark Deals - Today's Best Deals of the Day 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

For parents who want to keep their kids safe, an SUV is often a popular choice. If you’re considering buying an SUV, Clark has a new report from the Insurance Institute for Highway Safety you need to hear first. Also, several states are suing a retailer for overcharging at check-out - a symptom of a systemic problem. Clark has some ways to help you eagle eye your check out prices, and protect your wallet! SUV Safety: Segment 1 Ask Clark: Segment 2 Beware Retail Pricing Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show Ford's Mustang Mach-E scores highest in crash safety test among 13 midsize SUVs - from Detroit Free Press IIHS.org Back-seat safety lags in midsize SUVs Turo: 5 Things To Know About the Cheap Car Rental Service Roth vs. Traditional 401(k): What's the Difference? At Dollar General, a Staple for Many, a Record of Overcharging IRS Payment Plans Installment Agreements 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

Regardless of what happens with economic cycles, there are clear patterns in the job market that spell OPPORTUNITY - if your aptitude matches the need. Clark points the way to jobs that pay, with and without a college degree. Also, we all pay for heavy losses inflicted by shoplifting rings, and now the cost of shoplifting can feel like more punishment, as retailers use various tactics to fight back.  Prepare For Jobs That Pay: Segment 1 Ask Clark: Segment 2 Retail Vs Shoplifting Rings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Report: Top 10 Colleges Whose Graduates Earn the Most 100 colleges whose grads go on to earn the most America Is Trying to Electrify. There Aren’t Enough Electricians. What Is Non-Owner Car Insurance And Who Needs It? - Forbes Public Service Loan Forgiveness (PSLF) - Federal Student Aid 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul WSJ - Shoplifting Climbs as In-Store Shopping Returns 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

Travel planning season is here and Clark has good info spanning: airfares and when to travel to get the best prices, Airbnb & VRBO issues, hotel booking and more - so you know before you go. Also - Nobody ever got rich paying Visa or MasterCard 19% interest (or more). Clark addresses discretionary spending that undermines your immediate and distant future. Practices and cognitive biases that get us in financial trouble include impulse buying with borrowed money, and only paying credit card minimums. Why you should make FOMO & YOLO a NO Go and Pay in 4 no more.  Summer Travel Planning: Segment 1 Ask Clark: Segment 2 You Money Mentality: Segment 3 Ask Clark: Segment 4 Mentioned on the show Travel Archives - Clark Howard 5 Discount Airlines You Need To Know About 5 Steps To Getting a Good Deal on a Hotel Room InsureMyTrip Review: Why We Like It and How to Use It Why we usually can't tell when a review is fake NYTimes: Help! I Canceled My Rental Because of a Wildfire. My Contract Says No Refund. Is That Fair? Frontier Airlines admits it pays staff a $10 BONUS every time they charge customers extra for oversized luggage - even when their bags aren't too big! How To Dispute a Charge on Your Credit Card BBB-File a Complaint Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Best Travel Credit Cards: Top Rewards Picks for 2023 NYTimes.com: When It Comes to Money, Your Brain Can Be Your Own Worst Enemy Which Home Security Systems Rank Better Than Ring? / Wyze Security Cams Where Can You Get Some of the Best Deals on Homes Right Now? The New Construction Market. - The WSJ. The One Place You Can Still Get a 3% Home Loan: Your Family What's the Gift Tax Exclusion for 2023? - Kiplinger Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! A chance for Clark to learn from you. Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Lump sum spring contributions to an IRA for the prior year are not uncommon, and are right for some earners. But that’s the exception - not the rule. Know the most advantageous way to fund your IRA. Clark Stinks: Segments 1 & 2 When To Fund Your IRA: Segment 3 Ask Clark: Segment 4 Mentioned on the show NCUA - National Credit Union Administration CUNA: Credit Union National Association You Can Roll Your 529 Plan To A Roth IRA Beginning In 2024 Buying Gas From a Station on This List Is Better for Your Car 12 Things You Never Knew You Could Get From Your Local Library Matching Contributions 101: How to Maximize Your Retirement Savings Now Retirement Savings Contributions Savers Credit - IRS NYTimes.com: Why Investing at the Last Moment Can Hurt Your Returns Where To Buy the Best Cheap Printer How To Dispute a Charge on Your 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

Panic has turned to confusion in the wake of the SVB failure. Clark summarizes how we got here, how it differs from 15 years ago, and how the moral hazard in the system should be fixed. Clark breaks it down to 2 key points, and what individuals and businesses with funds greater than the quarter million FDIC limit should do going forward to secure their funds. Also, Clark tells you what’s behind the big streaming service increases and your alternatives. With market changes come new opportunities. If you’re willing to adapt and experiment you can save so much money - with more content than you can watch. Bank Failure Update: Segment 1 Ask Clark: Segment 2 SAVE on Streaming TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Midmarket Firms Re-Evaluate Regional Bank Risk Following Crisis NYTimes.com: Two Big Ideas for Preventing Another Banking Crisis Experts, banks look for ideas to stop next bank failure The forgotten rescue plan that could prevent another SVB-like collapse Fed to Consider Tougher Rules for Midsize Banks After SVB, Signature Failures - WSJ. SVB is the first social media bank run in history. Banks Trade Relief Now for Regulation Later - The Wall Street Journal. Yellen Says U.S. Ready to Protect Smaller Banks if Necessary Certificate of Deposit Account Registry Service CDARS How To Open a Roth IRA Custodial Roth IRA: How And Why To Start A Roth IRA For Kids Turbocharge your child's retirement with a Roth IRA for Kids Clark.com: YouTube TV Raises Monthly Rate for First Time Since 2020 Clark.com: 5 Cheaper Streaming Alternatives to YouTube TV Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - STREAMING TV 4 Things To Know Before You Buy a Digital TV Antenna Submit a complaint | Consumer Financial Protection Bureau Automatic Bill Pay: How It Works and How To Do It Safely 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

With full employment and increased turnover happening concurrently, burnout, layoffs and “revenge videos” from ex-employees, it’s a confusing time in the job market. Survey says  80% of those who participated in the great resignation now regret it and are heading back to work. Know the key professional strategies for both finding and leaving a job.  Also in this episode, Clark updates his answer to the ongoing question - “is it time to buy an electric vehicle”... with some news from Tesla that for some, may change the equation.  Finding And Leaving A Job-Best Practices: Segment 1 Ask Clark: Segment 2 The Tesla Model 3: Segment 3 Ask Clark: Segment 4 Mentioned on the show Your essential guide to thriving through a layoff Why so many who took part in the Great Resignation have regrets Stressed about potential layoffs? You should practice ‘career cushioning’ How Much Should Your 401(k) Account Cost You All-In? Top 10 Small Business 401(k) Plan Providers - Investopedia How To Open a Roth IRA Learn More About the AARP Fraud Watch Network State Elder Abuse Statutes | EJI - Department of Justice Edmunds: The most affordable EVs for 2023 Tesla’s price war on electric-vehicle and traditional automakers alike.  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

Though moderating, new and used vehicle prices are still high. And among those who bought at peak prices, late payments are escalating. Clark offers an overview of the car market, plus - direction for those upside down in loans and for would-be buyers.  Also, owning smart tech connected devices requiring software services - you buy them, you own them outright, right? What’s the catch? Clark explains. Vehicle Loans: Segment 1 Ask Clark: Segment 2 The Electronics Subscription Game: Segment 3 Ask Clark: Segment 4 Mentioned on the show Late Auto Payments Expose Cracks in Consumer Credit - The Wall Street Journal. Are You Following Clark's Maximum Auto Loan Length Rule? Mattress Buying - Clark Howard Community ByeByeMattress-Retailer Take Back WSJ- The Cameras Worked Fine. Their Maker Said They Had Reached Their End of Life. Should I Have Gold in My Portfolio Right Now? ETF vs. Mutual Fund: Which Investment Is Better? Should I Purchase Mortgage Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Health Insurance Guide 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

One area of focus for Team Clark is helping with your monthly expenses including TV and cell phone costs. Clark shares more reasons to save on cell service. New data names cell discounters that offer higher customer satisfaction than the big 3 carriers. Also, shopping for profit: many are having 5 figure success with thrifting resale. Do you have a special skill, experience or interest that can be turned into real value?  Cheaper, Better Cell Service: Segment 1 Ask Clark: Segment 2 Side Hustle Success: Segment 3 Ask Clark: Segment 4 Mentioned on the show JD Power says mint mobile and US Cellular better than big name companies for customer service Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need Mint Mobile Review: 6 Things To Know Before You Sign Up Consumer Cellular Review: 5 Things To Know Before You Sign Up Best Cash Back Credit Cards: Top Picks for 2023 Fidelity Investments Review 2022: Pros & Cons What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? Online Thrifting Platforms Help Create Five-Figure Side Hustles 7 of the Best High-Yield Online Savings Accounts in February 2023 The Best Telecom Services for Landlines Amazon Photos 4 Ways To Stop Junk Mail How To Freeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, iPhone users are being targeted in a way that puts their entire digital life at risk. But there’s a feature that can help protect you from thieves gaining access to your accounts. Clark Stinks: Segments 1 & 2 iPhone Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Should Never Mail a Check How To Open a Roth IRA Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? What Is Owner's Title Insurance? 3 Things To Know Best And Worst Homeowners Insurance Companies: February 2023 Why You Need To Re-Shop Your Car Insurance Right Now Best Auto Insurance Companies and Ones To Avoid PRIVACY.com / Virtual Credit Cards: An Online Security Measure Worth Taking? A Basic iPhone Feature Helps Criminals Steal Your Entire Digital Life - The Wall Street Journal. How to Protect Your iPhone Data From Thieves - The Wall Street Journal. The $10 Travel Essential Clark Howard Always Packs Credit Freezes and Unfreezes - Credit - Clark Howard Community 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

A traditional but long abandoned living arrangement is popular again. Almost 1 in 5 Americans now live in multigenerational households. There are many layers to this, including home design to accommodate wider uses to enhance value.  Also, another reason Clark hates gift cards, and a specific warning about where you buy them. Multigenerational Households: Segment 1 Ask Clark - Bank Failure Follow Up & Medical Tourism: Segment 2 Gift Card Purchase Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Record 60 MILLION Americans are now living in multigenerational households WSJ - More Parents Are Moving In With Adult Children—at Younger Ages The US housing market is short 6.5 million homes Is Your Money Safe at Your Bank Right Now? NCUA - National Credit Union Administration NYTimes.com: Kidnapping in Mexico Draws Attention to Medical Tourism Industry Is Medical Tourism Right for You? HuffPost: Why You Should Avoid Buying A Gift Card From The Display Rack At The Store IRS Identity Protection PIN? - Taxes - Clark Howard 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

The lay of the land for getaways is changing - Clark shares the keys to saving money on airfare this spring and summer and why a great time for bargain travel lies ahead. Plus, Clark’s updates on passport renewal and airline family seating. Also, as industries emerge from the ashes of the pandemic, we’re seeing increased efficiencies. Clark takes note of changes in the restaurant industry, and - for entrepreneurs - opportunity out of adversity. Travel Updates: Segment 1 Ask Clark: Segment 2 Restaurant Innovation: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Ways to Save Money on Summer Flights to Europe Expedited Passport Renewals Now Taking Over a Month - The Wall Street Journal. The Points Guy: United rolls out new family seating policy for economy tickets One Mile at a Time: Frontier Airlines' New Family Seating Policy 5 Discount Airlines You Need To Know About Top Travel Deals - Clark Howard / Clark Deals - Travel Barrons.com: Buy Toast Stock. It’s More Than Just Restaurant Payments. YouTube TV Ditches Popular Sports Network Amid Carriage Dispute MLB.TV /  Clark.com - STREAMING TV Should I Let an Insurance Company Track My Driving Habits in Exchange for Lower Insurance 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

Apple & Google don’t want you to know how to get phone app digital subscriptions cheaper because you taking one simple step costs them commissions. Clark spills - you SAVE. Also - banks are descending like locusts on homeowners fat with equity - with ads to pop that piggy bank! HELOCs are up 50% over a year. Learn the risks, the difference between home equity loans & lines of credit, and Clark’s Rule about the ONLY TIME it makes sense to tap home equity.  Avoid In App Purchase Punch: Segment 1 Ask Clark: Segment 2 Protect Your Home Equity: Segment 3 Ask Clark: Segment 4 Mentioned on the show The money-saving deals Apple and Google are hiding from you 5 Best Ways To Send Money Online Wise: the international account | Money without borders International Money Transfer from the United States - Revolut Best Credit Cards With No Foreign Transaction Fees in 2022 5 Things To Know About Series I Savings Bonds How To Open a Roth IRA 13 Steps To Keeping Your Email Safe and Secure Proton Mail — Get a private, secure, and encrypted email Discover Card: How To Remove Your Information From People Search Sites More homeowners tap equity juiced by soaring prices Home equity loans & lines of credit: 7 common questions answered Should I Get Pet Insurance? Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit How To Freeze Your Credit With Experian, Equifax and TransUnion 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

SPECIAL EDITION - The Failure of Silicon Valley Bank Clark discusses this week’s SVB failure including the strength and scope of this bank, how much of the deposits were insured & the security of funds generally, the impact on businesses and how the federal government has had to step in. Clark also answers initial questions for what will be his ongoing coverage of this event as needed moving forward.  Mentioned on the show NYTimes: Regulators Close Second Bank and Move to Ensure Deposits Deposit Insurance - FDIC Certificate of Deposit Account Registry Service - Wikipedia SIPC - Securities Investor Protection Corporation Roku Warns of Potential Losses From SVB Failure SVB Rocks California as Rich Founders Join Napa Vintners in Fear NYTimes: Silicon Valley Bank Fails After Run by Venture Capital Customers SVB Is First FDIC-Insured Institution to Fail in 2023 NYTimes.com: The Second-Biggest Bank Failure [The Washington Post] Here’s how much of your bank deposits are FDIC protected NYTimes.com: Silicon Valley Bank Collapse Sets Off Blame Game in Tech Industry Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, good news - rents are dropping all over America, but there’s a unique way to pay even less for an apartment that may suit your lifestyle.    Clark Stinks: Segments 1 & 2 Standby Apartment Rental: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - CRUISES When Do You Need a Travel Agent? Planning Retirement Using the Monte Carlo Simulation Retirement Nest Egg calculator - Vanguard Apartment Rents Fall as Crush of New Supply Hits Market - WSJ How you can get cheap rent, but it comes with a 'bump' notice. What it's like living on 'Standby' - from USA TODAY Is a biweekly mortgage plan a good idea? The Cheapest Places To Buy Contact Lenses Should I Buy Additional Insurance From a Rental Car Company? 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

So many people dread the experience of walking into a car dealership and trying to negotiate. Information is power. Clark shares how to do the work up front to properly buy a vehicle, and has a NEVER NEVER rule for buying new. Also, the FSA is an awesome benefit, but only if you USE it. A shocking stat you don’t want to be a part of: Half of workers with this benefit lose FSA money. How To Buy A Car: Segment 1 Ask Clark: Segment 2 FSA: Use It Or Lose It: Segment 3 Ask Clark: Segment 4 Mentioned on the show Automotive News - Consumers: Car buying lacks transparency Clark.com How to Buy a Vehicle Are You Following Clark's Maximum Auto Loan Length Rule? Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society Want a great credit score? Here's a trick you might want to try Workers Lose Billions Of Dollars In Flexible Spending Accounts A Simple Way To Help Your Kid Build Credit 9 Best Free Checking Accounts in February 2023 Best 529 College Savings Plans By State Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 7 Things on Deep Discount in March 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

One of the biggest expenses we face is health insurance, and many have turned to medical cost sharing programs & ministries as an alternative to traditional insurance. Clark explains the inherent risks involved with these health care co-ops. Also, a follow up on the Kia and Hyundai theft problems causing auto insurance cancellations for some owners. There are remedies from the automaker which owners of the affected models need to know about.  Health Coverage Co-op Warning: Segment 1 Ask Clark: Segment 2 Kia and Hyundai Theft Solutions: Segment 3 Ask Clark: Segment 4 Mentioned on the show A Christian Ministry Promised An Obamacare Alternative. The FBI Says Its Leaders Pocketed $4 Million And Left Members With Thousands In Unpaid Medical Bills A Christian Health Nonprofit Saddled Thousands With Debt as It Built a Family Empire Including a Pot Farm, a Bank and an Airline 10 Ways To Save on Prescription Drugs What Does a Home Warranty Cover, and Is It Worth The Money? Here Are Your Home Warranty Horror Stories When Is the Best Time To Collect Social Security? AARP’s free Social Security calculator helps you maximize your benefits Maximize My Social Security: Calculate Your Highest Benefits Kia might owe you money. Here’s how to check Hyundai releases anti-theft software upgrade for 4 million cars after insurers drop some models   CUNA.org - Find a Credit Union 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

Many Americans are feeling financial pressure, and are trying to save everywhere they can. This has led to the growth of non buying co-ops across North America. Clark discusses Buy Nothing groups and other ways to reduce spending. Also, Clark tells you why you should go into a LASIK procedure with your eyes wide open, to protect both your vision and your wallet. Know the proper steps to take before receiving LASIK surgery. Buy Nothing Groups: Segment 1 Ask Clark: Segment 2 LASIK Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Buy Nothing is everything   Buy Nothing Project  /  Freecycle: Front Door [The Washington Post] The new TikTok trend is convincing people not to buy things The Free and Cheap List - Clark Howard How To Start Saving When Money Is Tight How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA Is it a good idea to rent-to-own a home? Seeing isn’t always believing when it comes to ad prices for LASIK eye surgery 6 Tips for Hiring a Contractor Best Online Banks: Free Checking and High-Interest Savings Accounts 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

Talking about finances has always been a challenge for couples, with new challenges brought on by technology conveniences. It can be an awkward dance discussing money, but it’s vitally important to a relationship. Clark’s guidelines can help get the ongoing conversation started. Also, paper products are costing more, but this time it’s not a supply chain disruption. Hear what’s happening and what to expect, as the price of TP rises once again.  Money And Relationships: Segment 1 Ask Clark: Segment 2 TP Price Increase: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: Young, in Love and Figuring Out How to Talk About Money How To Find and Choose a Financial Advisor Clark Howard's 5 Money Tips for Couples Can Married Couples Get Joint Access To Utility, Mortgage and Investment Accounts? How Couples Can Get on the Same Page About Money 6 Things To Know Before Contacting the National Foundation for Credit Counseling How Many Credit Cards Should I Have? Best Credit Cards for Students: Top Picks for 2023 Clark discussed money market funds with higher yields than online savings accounts Why the housing market is making your toilet paper more expensive BBB-File a Complaint Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, attendance is down in movie theaters so the industry is trying to reinvent itself with wider offerings beyond popcorn and soda marked up 95%. Preview prices to determine if one-stop dinner & a movie makes for a budget friendly experience.  Clark Stinks: Segments 1 & 2 Movie Theater Reset: Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries 6 Best Apps To Save Money on Groceries Ask Clark: What Is a Backdoor Roth IRA? When Should You Get an Accountant To Do Your Taxes? Movie theaters get creative with food and drink as they struggle to fill seats Cruise Critic: Cruise Reviews, Cruise Deals and Cruises New Report: The 9 Best Cruise Lines for the Money The Only Way You Should Pay for a Cruise How To Use 'Vacations To Go' To Find Bargain Cruises Where Should I Look for a Great Deal on a Cruise in 2023? 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

Popshelf is a rapidly expanding, different kind of discount store. Clark checked it out and has a review.  Also, potential home buyers are between a rock and a hard place these days. With rising interest rates, we’re seeing more and more low down payment mortgage offers. Clark walks you through the personal assessment required to make the best decision. Popshelf Review: Segment 1 Ask Clark: Segment 2 Low Down Payment Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Dollar General’s new Popshelf stores chase inflation-weary shoppers in the suburbs All About Amazon Vine Fidelity Roth IRA for Kids NYTimes: Your 2023 Guide to Low-Down-Payment Mortgages Homeowners Insurance Archives - Clark Howard How To Freeze Your Credit With Experian, Equifax and TransUnion 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

They’re everywhere online - quizzes and surveys. They may seem fun & interesting BUT - the fun is at your expense. Learn how quizzes are used, and why there’s one question they’re always going to ask. Online content presents challenges. Also in the realm of social media, you’ve no doubt heard of “influencers,” but you may not realize it goes way beyond the Kardashians. There are some very subtle ways some of your favorite people to follow may be advertising to you.  Warning: Online quizzes: Segment 1 Ask Clark: Segment 2 The Influencer Game: Segment 3 Ask Clark: Segment 4 Mentioned on the show Don’t answer another online quiz question until you read this What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor NYTimes: No Open-House Party. Influencers Just Want an Open Door. 3 Things To Consider Before You Get Solar Panels When Should You Get an Accountant To Do Your Taxes? Enrolled Agents | Internal Revenue 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

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 - 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.  Clark BIO: Segment 1 Missing Money: Segment 2 Mentioned on the show About Clark Howard How to Find and Claim Missing Money in Your Name How To Find Missing or Lost Retirement Accounts 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

If early retirement is on your mind, Clark helps you think through some major considerations. Then go bargain hunting with Clark as he walks you through his favorite discounters and spills the secret pricing codes to look for & what they mean. Retirement Compromise: Segment 1 Saving Hacks At Clark’s Favorite Stores: Segment 2 Mentioned on the show How to Retire Early 6 Challenges To Consider if You Plan To Retire Before 65 Two good retirement planning tools - Retirement - Clark Howard Community 6 Ways To Make Extra Money in Retirement 6 Major Expenses in Retirement (and How To Reduce Them!) The Rule of 55: What Is It, How It Works When Is the Best Time To Collect Social Security? 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale 8 Secrets All Shoppers Need To Know About Costco Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? 8 Things To Know Before Your First Trip to Aldi Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  And today, that goes double. It’s an all Clark Stinks Friday. Mask up for the Reekoning!  Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks How To Find Cheap Flights in 3 Easy Steps   /   Matrix Airfare Search Avelo Airlines | Official Site | Book Now and Save  /  Breeze Airways The Best Time and Place To Buy a Mattress What Is Long-Term Care Insurance Cost & Coverage No more paper statements only electronic - Clark Howard Community What Is a 403(b) and How Does It Work? Best Balance Transfer Credit Cards: Top Picks for 2023 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

Retailers are using more and more psychological tactics to get you to buy. Know the tricks of the trade to not get played - and avoid impulsive spending.  Also, why Clark considers “annuity” profanity, but he’d rather have to say it, than to see you pay it. They’re being sold like crazy, disguised by fancy names. Know them when you see them  - and the 2 annuity type exceptions. Retail Mind Tricks: Segment 1 Ask Clark: Segment 2 Annuity Warning!: Segment 3 Ask Clark: Segment 4 Mentioned on the show How shopping sites are using psychology to trick you into spending more — and 3 ways to avoid them How To Plan a Trip: Clark's Best Travel Tips To Save Money Clark.com: How To Buy Term Life Insurance in 7 Easy Steps Inside Wall Street's gloom-and-doom racket What Is an Annuity, and Why Does Clark Think They Stink? Immediate Payout Annuity: What Is It and Do You Need It? Longevity Insurance: What Is It and Do You Need It? Why You Need To Know Your Company 401(k) Fees How Much Should Your 401(k) Account Cost You All-In? 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

Auto insurance has increased significantly in the past 3 years. Clark covers the cost pressures - that vary per insurer - affecting your rates. This is why comparison shopping is more important than ever. Clark helps you get started. Also, it’s troubling that overwhelmingly, teens don’t have jobs any more, missing out on early work experience so beneficial to their life education. On the other hand, there’s an opposite trend that’s also troubling. Clark discusses family work culture decisions.  Shopping Auto Insurance: Segment 1 Ask Clark: Segment 2 Teens And Jobs : Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Need To Re-Shop Your Car Insurance Right Now Auto insurance is up by more than 15% this year in some states. Here's how to keep your premium down How to Shop for Car Insurance Car Insurance Archives - Clark Howard 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? Delta Community Credit Union Car Loan Rates Navy Federal Credit Union Auto Loan Refinancing [The Washington Post] In a tight labor market, some states look to another type of worker: Children My Printer Is Extorting Me 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

The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.  The No Surprises Act & Your Rights: Segment 1 Ask Clark: Segment 2 Your Rainy Day Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 Understand your rights against surprise medical bills - CMS Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors? Bankrate's Annual Emergency Fund Report | Bankrate Emergency Fund: Everything You Need to Know Fidelity Investments Review 2022: Pros & Cons Money market funds - Fidelity Investments The Monte Carlo Simulation: Understanding the Basics 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

One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel.  Fraud Prevention: Segment 1 Ask Clark: Segment 2 What’s In A Hotel Name? Nothing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto. WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know. ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers Worried about crypto exchange losses? Don’t pay money for “help” recovering money 5 Steps To Getting a Good Deal on a Hotel Room Scott's Cheap Flights | Save Up to 90% on Flights [The Washington Post] Expensive flights are here to stay, but there’s good news Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.  Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV       /      Clark.com: Sling Freestream 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

Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.  Gambling Vs Investing: Segment 1 Ask Clark: Segment 2 Fake Shopping Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Retreat of the Amateur Investors 5 Sneaky Ways To Improve Your Credit Score NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In Clark.com- How To Spot a Fake Online Store in 6 Easy Steps Virtual Credit Cards: An Online Security Measure Worth Taking? Fidelity Investments Review 2022: Pros & Cons Metro by T-Mobile: 6 Things To Know Before You Sign Up T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Clark Howard's 4 Travel Rules You Should Follow Right Now 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

Addressing the severe lack of affordable housing requires creativity and change around zoning, construction and serving seniors. Clark reports on some emerging options that can help ease housing cost pressures. Also, learn why current moves by manufacturers and retailers mean there’s added value to comparison shopping right now. Clark shares shopper savvy tips that can save you money.  Housing Rethink: Segment 1 Ask Clark: Segment 2 Shopping Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: The Next Retirement Communities Won’t Be Just for Seniors NYTimes.com: Senior Housing That Seniors Actually Like 3D-printed homes level up with a 2-story house in Houston What Is a 403(b) and How Does It Work? BBB - TicketSales.com When Is Grinding Out Savings Through Comparison Shopping Not Worth It? How You Can Use Unit Price To Save Money When Shopping 22 Ways To Save Money on Groceries ChexSystems.com Home Page How To Prevent, Report and Repair Identity Theft 5 Things You Should Repair Instead of Replace 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

Got gift cards? Whether from individuals or employers, they’re a real target for fraudsters. If you received some over the holidays you still have - what you need to know now. Also, thinking of going on a cruise? Clark smart tricks of the trade include how and when to find a deal and what to watch out for.  Gift Card Fraud: Segment 1 Ask Clark: Segment 2 Save On Cruises: Segment 3 Ask Clark: Segment 4 Mentioned on the show WCVB Boston: Receive a gift card over the holidays? Check the balance Clark.com - How Do I Use All the Funds on My Virtual Gift Card? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor 3 Places You Should Never Invest Your Money IRS delays implementation of $600 reporting threshold for third-party payment platforms’ Forms 1099-K [The Washington Post] Love that cheap cruise price? Don’t forget the boatload of fees. Clark.com - Where Should I Look for a Great Deal on a Cruise in 2023? Clark.com - Cruise Information As new owner picks up pieces of custom-furniture e-tailer Interior Define, thousands of customers remain in limbo (msn.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

Clark recently talked about getting the best rate on your savings through online banks and credit unions. Today, he follows up with what brokerage houses are offering, and how you may be missing out on big yields by being with the wrong one. Clark’s call to action: Put your money to work for you. Meanwhile, healthcare is hitting Americans hard in the wallet. An overview of the industry underscores the shortage of primary care physicians and the cost shifting hitting patients. Despite such marketplace obstacles, there is something Clark strongly urges you to do.   Higher Savings Yields: Segment 1 Ask Clark: Segment 2 Healthcare Direction: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ.com: Some Investors Are Missing Out on Higher Yields—and Don’t Know It 6 Best Grocery Pickup Services  /  18 Ways To Save at Walmart Best 529 College Savings Plans By State Why urgent care centers are popping up everywhere NYTimes: Emailing Your Doctor May Carry a Fee Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? SideHusl - Find the Best Money Making Option for You Clark.com How to Make Extra Money: 23 Easy Ways Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the latest jobs report has even the experts confused. Clark discusses the ongoing forces shaping our economy moving forward to foster informed decisions in your life. Clark Stinks: Segments 1 & 2 Clarkonomics & You: Segment 3 Ask Clark: Segment 4 Mentioned on the show SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know 5 Steps To Getting a Good Deal on a Hotel Room New Report: The 9 Best Cruise Lines for the Money How To Use 'Vacations To Go' To Find Bargain Cruises NYTimes.com: Pace of U.S. Hiring Surges Unexpectedly Why did we get a monster jobs report if the economy is slowing? 4 key takeaways from the jaw-dropping January jobs report Automatic Bill Pay: How It Works and How To Do It Safely 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

Clark warns about an old scam now active again - fake parking tickets! Learn who is targeted, how the scam works, and how to verify a parking ticket. Also, If you need a new mattress, what to know about the industry and why now is the time to buy.  Scam Alert: Fake Parking Tickets: Segment 1 Ask Clark: Segment 2 Primo Time To Buy A Mattress: Segment 3 Ask Clark: Segment 4 Mentioned on the show BBB Scam Alert: How to spot a parking ticket scam Shopping around for MRIs, CT scans, mammograms and blood work can save big bucks Wills versus Trust - Clark Howard Community Mattress Buying - Clark Howard Community Niagara Falls Tourism Fee: How to avoid the charge (CBC Marketplace) Your Guide to Vehicle Subscriptions, the Alternative to Leases and Loans SIXT rent a car | Premium Car Rental & Top Deals Worldwide 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

Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.  Know Thy Neighbor: Segment 1 Ask Clark: Segment 2 Credit Card Debt Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Sue Thy Neighbor: Homeowner Spats Over Fences, Trees and Additions Get Nastier - WSJ Clark.com - Timeshares The #1 Bill You Should Make Sure You Get by Mail No more paper statements only electronic - Clark Howard Community US consumers increased their borrowing by $28 billion in November Your Passport Could Be Useless -- Even if It's Not Expired 22 Ways To Save Money on Groceries How to Budget With a Cash Envelope System Why You Should Keep Old Credit Card Accounts Open Should You Get a Store Credit Card? 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

With some big pharmacies now cutting their hours due to labor shortages, Clark revisits your best options, covering employer Pharmacy Benefits Managers, and a new pharmacy option from Amazon. Also, Clark reacts to stories of corporate treatment of employees emerging from massive tech layoffs, and has key advice if you find yourself in the unfortunate situation of losing your job. Rx Saving Strategy: Segment 1 Ask Clark: Segment 2 Layoffs: Conduct On Both Sides: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: CVS, Walmart to Cut Pharmacy Hours as Staffing Squeeze Continues Amazon Launches $5-a-Month Prescription Drug Plan - The Wall Street Journal. Amazon Pharmacy: RxPass Report: The Best Pharmacies for Customer Satisfaction How To Buy Term Life Insurance in 7 Easy Steps BBB-File a Complaint Submit a complaint | Consumer Financial Protection Bureau NYTimes.com: Layoffs by Email Show What Employers Really Think of Their Workers The massive wave of layoffs is giving tech workers a brutal wake-up call about the reality of work NYTimes.com: Tech Layoffs Shock Young Workers. The Older People? Not So Much.  5 steps to take if you get laid off NYTimes.com: How to Cope When You’re Shown the Door How To Open a Bank Account in 6 Easy Steps Fidelity Youth Account - Any Good? - Clark Howard 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

Flowers, chocolates, dinner - Clark smart ways to save on Valentine gifts. Plus, our Clark.com audience poll answers the question - How much should you spend on a first date? Also, Clark weighed in on buying an EV just 2 months ago. But prices have dropped recently. Has this changed his recommendation? Save on Valentine Gifts: Segment 1 Ask Clark: Segment 2 EV Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: No More Dinner and a Movie. Cheapskate Daters Want Less. - The Wall Street Journal. How much money should someone spend on a first date in 2023? WSJ.com: Tesla Cuts Prices Across Models Sold in U.S. Ford cuts price of Mustang Mach-E to compete with Tesla, offers deal to recent buyers too   Ford drops the price of its Tesla competitor BlackRock, World's Largest Asset Manager, Buys Stake in Small-Business 401(k) Startup - WSJ. The 401(k) for small and medium-sized businesses | Human Interest | 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark clears confusion over settlements being paid by T-mobile and AT&T - and has a necessary fraud protection step for T-Mobile customers.  Clark Stinks: Segments 1 & 2 AT&T and T-Mobile Settlements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Robinhood Introduces IRA With A 1% Contribution Match Should I Buy Additional Insurance From a Rental Car Company? Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know Use Guided Access with iPhone, iPad, and iPod touch Are you a former AT&T unlimited data plan customer? Read on  How to Claim Your Part of AT&T's $60 Million Settlement - CNET AT&T Data Throttling Claim Form T-Mobile Says Hackers Stole Data on About 37 Million Customers - The Wall Street Journal. SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know Account Takeover Protection by T-Mobile Clark Howard's Guide to Saving Money on Your Wedding Clark.com - 5 Steps To Getting a Good Deal on a Hotel Room Clark.com - What Credit Cards Does Costco Accept? 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

Tax season time and documents are rolling in. Hiring a CPA, using Free File, TurboTax… you have filing options. Clark helps you choose the right one for your circumstances. And what is Return Free Filing and why don’t we have it in the U.S.?! Also, Americans in just 90 days lost a collective $42B in interest they would have earned taking their money out of Gang of 5 big bank savings accounts and placing it in higher yield accounts. Want to earn 20 times more interest?   Tax Filing Options: Segment 1 Ask Clark: Segment 2 Max Your Savings: Segment 3 Ask Clark: Segment 4  Mentioned on the show: Barrons.com: Return-Free Filing Would Revolutionize Americans’ Taxes IRS Free File: Free State and Federal Tax Filing Options for 2023 When to hire a tax professional - Clark Howard Community When Should You Get an Accountant To Do Your Taxes? Enrolled Agents | Internal Revenue Service What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Americans Missing Out on Billions in Interest - The Wall Street Journal. 2023's Best Savings Accounts - 5 Best Savings Accounts 2023 How To Switch Banks in 4 Simple Steps Best Balance Transfer Credit Cards: Top Picks for 2023 Fidelity Roth IRA for Kids Clark.com resources Episode transcrips 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

Today Clark covers fakes and thefts. You may be thinking about Valentine gifts now and jewelry is a favorite choice. But before you buy, Clark has a warning about the prevalence of counterfeits, and how to protect your wallet. Also, theft rings and smash & grabs have been hitting retailers hard throughout the country. Hear what retailers are doing to fight rampant internal and external theft, and how it affects consumers  Counterfeit Warning: Segment 1 Ask Clark: Segment 2 Retail Theft Impact: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NYTimes.com: Jewelry Counterfeits: The Age-Old Problem Just Keeps Growing Should I Buy Insurance for Nice Sunglasses? When Do You Need a Travel Agent? Certified Travel Counselor - CTC - The Travel Institute Travel Archives - Clark Howard Should my son get non owners car insurance? NYPost - What Walmart, Target and other retailers are doing to deter crime Rising thefts at Walmart could lead to price jumps, store closures, CEO says The Minnesota Department of Health (MDH) Home Water Softening Clark.com - How To Sell A Car These 2 Things Can Maximize Your Chances of Selling Your House 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

Hardship withdrawals from 401(k)s have doubled over the past year. Clark discusses the tax ramifications and offers alternatives. Also, Clark champions entrepreneurs creating startups or joining franchises in tough times. But this comes with a very important warning vital to success: Vetting an opportunity and avoiding the job & training scamsters infesting the market. Know the signs. 401(k) Hardship Withdrawals: Segment 1 Ask Clark: Segment 2 A Warning For Entrepreneurs: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NYTimes.com: Hardship 401(k) Withdrawals, Explained 6 Things To Know Before Contacting the National Foundation for Credit Counseling Should You Pay for Credit Monitoring? How To Freeze Your Credit With Experian, Equifax and TransUnion Why You Should Never Invest With a Bank Business opportunities and trainings that claim you’ll make big money are often scams Real Estate Investing: What To Know BEFORE You Start Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs 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

Last year was ugly in the stock & bond market - Clark lends perspective on investing cycles and your best approach to investing moving forward. Also in this episode - another down cycle. In the midst of massive tech layoffs, there is a silver lining. Historically, tech industry down cycles create the next great wave of innovation. Clark speaks directly to all laid off workers. Is it time for you to start your own business? The Stock Market Down Cycle: Segment 1 Ask Clark: Segment 2 The Tech Down Cycle: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Your Investing Strategy Just Failed. It’s Time to Double Down. U.S.-Stock Funds Fell 18.4% for 2022  The Best Place To Order Checks Online Trustpilot Review: Is Trustpilot Legit? InsureMyTrip Review: Why We Like It and How to Use It Travel Insurance? What You Need To Know Before You Buy Startups spring from ashes of Big Tech purge HSA Beneficiary Rules - SmartAsset.com IRA Inheritance: Non-Spouse IRA Beneficiary - Fidelity Equifax data breach: What we know and how to protect yourself from what’s coming next Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there’s some important stats and steps to know when financing a vehicle. Clark tells you how to short circuit getting ripped off on a car purchase.   Clark Stinks: Segments 1 & 2 Vehicle Financing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 4 Travel Rules You Should Follow Right Now How To Pack a Carry-On the Right Way 6 Best Background Check Services How To Get a Gym Membership for Practically Free YMCA of the USA - A Leading Nonprofit Organization Shipt Review: 5 Things To Know Before Your First Order Target RedCard Credit Card Review: Earn 5% Back on Purchases Report: The Average Price of a New Vehicle Credit Unions Gain Top Share Of Auto Lending In U.S. For First Time Ever Car & Driver - How to Get the Best Car Loan Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide How to Buy a Used Car in 7 Steps / How to Buy a New Car in 5 Steps Are You Following Clark's Maximum Auto Loan Length Rule? 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

Your dining out experience may be getting better as labor shortages ease in some areas, and tech provides new efficiencies in the restaurant business. Plus, hear how drone delivery is expanding. Also in this episode, Clark weighs in on the enlightened self-interest of employers allowing 4 day work weeks and flex scheduling - Win Win.  Tech Efficiencies: Segment 1 Ask Clark: Segment 2 Flexible Work Schedules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ: Restaurant Staffers Are Returning to Work After Covid Flight Barrons.com: Robots Are Replacing Workers Lost in the Pandemic. They’re Here to Stay. Walmart Delivery Drones Now Operate in 7 States How and Why To Refinance Your Mortgage: A Step-By-Step Guide Mortgage Refinance Calculator - Clark Howard When to consider a Coverdell ESA to 529 plan rollover 40 HOURS OR 32? 4 DAYS OR 5? Clark.com - CREDIT CARDS 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

Clark has long despised noncompete clauses for workers. There’s finally a new proposal to do away with them from the FTC. Clark is on board and has some advice for job seekers. Also, there are new rules for IRAs and 401(k)s. Clark clarifies new & forthcoming options.  Covenants Not To Compete: Segment 1 Ask Clark: Segment 2 New Retirement Account Rules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: FTC says proposed ban of noncompete clauses would strengthen workers' hand Home equity loans & lines of credit: 7 common questions answered What Is a Secured Credit Card and How Does It Work? CNET: Your IRA and 401(k) Are Changing in 2023: New Rules for Retirement Accounts Required Minimum Distributions: How To Calculate, Rules Tesla deliveries miss estimates due to logistical issues, slowing demand How to Make a Disposable Razor Last 12 Months 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

While recent changes to medical debt credit reporting will help, medical debt accounts for half the negative marks on credit reports, due in part to the medical industry’s resistance to lawful price disclosure under the No Surprises Act - which unfortunately excludes ambulance service. Clark discusses this glaring omission and the role of non-profits in tackling medical debt for consumers. Also, to solve traffic congestion we’re in a never ending quest to widen roads. But in this case, increased supply creates new demand. Clark offers a free market solution.  Medical Debt: Segment 1 Ask Clark: Segment 2 Clark’s Traffic Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Half of ambulance rides yield surprise medical bills. What's being done to protect people? How nonprofits help millions tackle their medical debt How Much Does an MRI Cost (With/Without Health Insurance)? Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money Turo: 5 Things To Know About the Cheap Car Rental Service Widening Highways Doesn’t Fix Traffic. So Why Do We Keep Doing It? How To Find a Good Moving Company Clark.com - Streaming 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

If you work remotely, you may be part of something that is going to make housing cheaper for all. Clark explains how Covid migration drove housing prices up, but longer term, is having the opposite effect. Also, something new - again - CD ladders. Clark explains how this saving technique can work for you in the current and foreseeable rate environment.  Remote Work & Housing: Segment 1 Ask Clark: Segment 2 CD Laddering: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rise of 'Zoomtowns' is going to make home prices and rents cheaper for everyone What Is a Lifestyle Spending Account (LSA)? - SmartAsset.com Cheapest Way to Rent a Car: Expert Tips Auto Europe® Car Rentals - Official Site SavingForCollege:Section 126: Rolling Over 529 Plan Funds Into a Roth IRA What Is a CD Ladder and When Is It a Good Idea? Best CD Rates for January 2023 - Bankrate.com Clark.com - Vehicle Purchase Should I Get Pet Insurance? 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - DEALS. Clark shares why January 20th is a key date for deep discounts, what’s on sale and where to find the bargains - including TRAVEL. Clark Stinks: Segments 1 & 2 Deep Discounts & Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Tool Shows Southwest Prices From Google Flights Search Walmart+ Membership Program: 4 Things To Know Google Voice How To Refuse an Inherited Timeshare 10 Things on Deep Discount in January Clark Deals - Today's Best Deals of the Day Why This Is the Best Time To Buy Series I Savings Bonds 5 Things To Know About Series I Savings Bonds Car 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

Tax season is upon us with a better staffed IRS expected this year. Clark has a few reminders before you file. Also in today’s show - Clark has always advocated paying off debt. Does that include paying down your mortgage faster? Clark has a formula for determining that, and advice for prioritizing where to put any extra funds you may have.    Tax Reminders: Segment 1 Ask Clark: Segment 2 Funding Priorities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Start Preparing for Tax Season Now What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? Self employed 401K vs SEP - Investing - Clark Howard Community Mortgages Archives - Clark Howard BBB-File a Complaint 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

With the new year comes new health insurance deductibles, and many are feeling it when filling prescriptions. Learn why employer prescription plans are your frenemy - and what Mark Cuban is doing in the world of prescription medications. Also in this episode, what constitutes being wealthy? Clark discusses how people perceive and self-assess wealth in the U.S., knowing the difference between reality & headlines, and the role of lifestyle in determining wealth.  Rx Costs: Segment 1 Ask Clark: Segment 2 Defining Wealth: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mark Cuban’s Cost Plus Drugs Expands To Employers In Quest To Disrupt Big Pharma Will Mark Cuban's Prescription Company Really Save You Money? Clark.com Prescription Drugs How Investors Define 'Wealthy' Might Surprise You - Barron's Are You Rich? The Answer May Surprise You Fidelity Youth Account - Any Good? - Clark Howard Community Fidelity Youth Account Fidelity Investments Review 2022: Pros & Cons Best Homeowners Insurance Companies and Ones To Avoid  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

Various factors are contributing to a shortage of college students, forcing many schools to cut tuitions and reevaluate their relevance. This as state supported trade, technical and community colleges are challenged to better align curriculum to the needs of the workplace. Clark discusses the transformation in higher education, its value, and your new negotiating power. Also, Clark has the latest installment of the crimes and fines of Wells Fargo - a “bank” you’d do well to forego. Transformation in Education: Segment 1 Ask Clark: Segment 2 Again With Wells Fargo: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State What Is a Roth 401(k) and How Does It Work? How To Get the Best Price Possible Shopping Online NYTimes: Wells Fargo to Pay $3.7 Billion Over Consumer Banking Violations WSJ-Wells Fargo Reaches $3.7 Billion Deal With Regulators Over Consumer Banking CFPB Orders Wells Fargo to Pay $3.7 Billion for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts | Consumer Financial Protection Bureau Credit Karma Review: Free Credit Score and More at Your Fingertips 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

We've all been victims of customer-no-service. So how do you effectively complain and resolve an issue? Persistent patience and various resources including a new service. Also, do you have things gathering dust you now regret buying? Take the “closet test” and learn to defeat the tactics behind impulse buying. Customer No-Service Resources: Segment 1 Ask Clark: Segment 2 Prevent Buyer’s Remorse: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Liz Weston: How to complain and get results Cutting through customer service doom-loops by calling in a ‘Karen’ Elliott Advocacy - karens for hire Clark’s Consumer Action Center Moving.org General Complaint Form Federal Motor Carrier Safety Administration BBB-File a Complaint Best Online Banks: Free Checking and High-Interest Savings Accounts How To Find and Choose a Financial Advisor Garrett Planning Network: Home Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, with the new EV tax credits, is this the year to buy an electric vehicle? Clark goes over the important considerations around this major decision. Clark Stinks: Segments 1 & 2 EV Tax Credits & Update: Segment 3 Ask Clark: Segment 4   Mentioned on the show: 5 Things To Know About Series I Savings Bonds Inflation for goods fell while inflation for services increased 7 Items You Should Never Carry in Your Wallet Report: Top Vehicles Most Likely To Last 200,000 Miles Uni - One Toll Pass. 19 States. These Big Banks Are Finally Doing Something About Zelle KENTUCKYBoard of Pharmacy KASPER Questions Here’s what you need to know about the new EV tax credit for 2023 Tesla deliveries miss estimates due to logistical issues, slowing demand What Is an HSA Account and How Does It Work? The worst insurance in the world How To Buy Term Life Insurance in 7 Easy 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

Freelancing and side gigs are becoming the norm for many Americans between jobs or looking to make more money. Get Clark’s tips on how to find legit jobs and set up your side business. Later, how would you like a bank loan at 200%? Predatory lending is happening on a national scale, hurting lots of people - and it’s legal. Clark explains how this came about and what you should know to avoid this trap.  Freelancing & Side Gigs: Segment 1 Ask Clark: Segment 2 Predatory Loan Warning: Segment 3 Ask Clark: Segment 4   Mentioned on the show: IRS says it will delay requirement to report $600 in gig work on taxes There are more than 70 million freelancers in the U.S.—here’s how they can raise their rates LA Times - If you’re looking for a side hustle, avoid these job sites January is often a big month for layoffs. Here's what to do in a worst case scenario As tech layoffs surge, nonprofits are calling SideHusl - Find the Best Money Making Option for You T-Mobile Introduces New SIM Protection Feature 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 How 4 small Utah banks have taken their 'predatory lending' national. It's all thanks to state law, critics say The Cheapest Places To Buy Contact Lenses SIPC - Securities Investor Protection Corporation 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

Clark gets back to basics today to help you determine if you need a budgeting app and which one may work best for you. Also in this episode, the streaming giants are losing subscribers and money so changes are on the way. Get Clark’s take on what to look out for to protect your wallet, and what to know about free TV.  Budgeting Apps: Segment 1 Ask Clark: Segment 2 Streaming Changes & Free TV: Segment 3 Ask Clark: Segment 4   Mentioned on the show: How Safe Are Budget Tracking Apps and Software? Clark.com Best Budeting Apps Clark.com Mint Review; Clark.com PocketGuard Review; Clark.com YNAB Review; Clark.com Honeydue Review; Clark.com Mvelopes Review Saver's Credit: How To Get Free Money To Save for Retirement 2023 and Beyond: Clark Howard Predicts the Future of Streaming TV Streaming TV's Party Is Over. Now Comes the Hangover Upgrades in Free Over-the-Air TV Are Making It Better Live TV Streaming Channel Tool Freevee Review: What You Should Know About Amazon’s Free Streaming Service 4 Things To Know Before You Buy a Digital TV Antenna How To Watch Local Channels Without Cable How To Find Cheap Flights in 3 Easy Steps No Surprises Act - CMS 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

There’s a price war going on in the cell phone industry and consumers can win savings! Clark points the way. Also, the South experienced record cold over the holidays causing pipes to burst and costing millions in water damage. No matter where you live, know how to prevent this and what steps to take if you have suffered damage to your dwelling. Cell Plan Deals: Segment 1 Ask Clark: Segment 2 Prevent Busted Water Pipes: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Verizon: Start the Year with more savings. Switch to Verizon for just $25 per line. Guaranteed for 3 years. Boost Infinite Early Access: New $25 Monthly Unlimited Postpaid Phone Plan Boost $25 per month and includes intl calling from US Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need 7 New Cell Phone Deals in January NYTimes.com: In Much of the South, Subfreezing Weather Crippled Water Systems Popmoney Pros and Cons What Is a CD Ladder and When Is It a Good Idea?   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

Clark’s first in a series about new tax rules in effect: A GREAT development with 529 plans may change your decisions on how to save for college. Also, Clark covers energy credits in the Inflation Reduction Act. Learn what you may be eligible for, covering heat pumps, solar and more, and why you should take your time!  New 529 Plan Rules: Segment 1 Ask Clark: Segment 2 New Energy Credits: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NYTimes.com: A Sign That Tuition Is Too High: Some Colleges Are Slashing It in Half Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 SavingForCollege:Section 126: Rolling Over 529 Plan Funds Into a Roth IRA BBB-File a Complaint Why This Is the Best Time To Buy Series I Savings Bonds Rewiring America - How much money will you get with the Inflation Reduction Act? [The Washington Post] 3 ways to tap billions in new money to go green - starting this month How To Pack a Carry-On the Right Way Shipt vs. Instacart: Which Grocery Delivery Service Is Better? 6 Best Grocery Delivery Services Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark goes back to basics on credit card debt.  If you're committed to paying off debt, Clark smart strategies can help get you to debt free.  Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Poll: Almost half of Americans are holding on to unused gift cards How To Sell Gift Cards Online for Cash-Clark.com Should I Tip on a Cruise? What Clark Howard Thinks of 'Crypto Winter' After Big Crash Best Free Password Managers: 7 Top Picks How To Create a Safe Password Clark.com How To Get Out of Debt in 7 Steps Best Balance Transfer Credit Cards: Top Picks for 2023 6 Things To Know Before Contacting the National Foundation for Credit Counseling Have you joined Clark's 'Ditch Your Debt' Facebook group yet? Ditch Your Debt - Clark Howard Community How To Improve Your Credit Score by 100 Points in 30 Days 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

Airbnb hired a background check company to vet owners and renters, fueling complaints of unjustified bans, mistaken identity, and no real appeal process. Clark weighs in. Also - planes, trains and automobiles - Clark got caught in the Southwest meltdown, and recounts his 3 day journey to make it home by Christmas. Airbnb Background Checks: Segment 1 Ask Clark: Segment 2 Clark’s Holiday Travel Misadventures: Segment 3 Ask Clark: Segment 4   Mentioned on the show: USA TODAY: Does Airbnb do criminal background checks? Yes. Policy sparks backlash among consumers [The Washington Post] Long a fan favorite, Southwest’s model now faces questions NYTimes.com: The Shameful Open Secret Behind Southwest’s Failure Costco Travel: 5 Things To Know Before You Book The Only Way You Should Pay for a Cruise How To Use 'Vacations To Go' To Find Bargain Cruises Should I Tip on a Cruise? Taxes - Clark Howard Community How To Open a Roth IRA U.S. Bank Savings Account Rates - Bankrate 8 of the Best High-Yield Online Savings Accounts in 2022-Clark.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

A new year, and many have resolved to work out more. Clark answers the burning question: When do you sign a contract with a gym that obligates you for 1, 2 or 3 years? Get the lowdown on gym membership and the commitment to fitness. Also, hear why younger generations are now more likely to suffer fraud than seniors. Clark counts the ways, and shares how to protect yourself.  Commit To Be Fit: Segment 1 Ask Clark: Segment 2 Fraud For All: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Why Planet Fitness hasn’t raised its $10 monthly gym price in 30 years WSJ: How Old Do You Feel? The Answer Can Reveal a Lot About Your Health, Scientists Say WP - To live longer, pick up the pace just three minutes a day, study shows Follow the 'Minute Rule' to make exercise a daily habit How To Talk to Your Partner About Money Before Marriage Clark Howard's 5 Money Tips for Couples Fraud reports and losses: Not just a grandparent's story What Is a Fiduciary Financial Advisor and Do I Need One? NFCC - National Foundation for Credit Counseling - Home 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

Gift cards are universal but there’s a mistake about half us make with them. Major retailers make hundreds of millions of dollars on gift cards never redeemed. Clark has an assignment for you, including when best to start. Also - “cash stuffing” - a new term for a classic idea Clark has long recommended, can teach the real value of real money.  Gift Cards: Segment 1 Ask Clark: Segment 2 Cash Stuffing: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Poll: Almost half of Americans are holding on to unused gift cards How To Sell Gift Cards Online for Cash-Clark.com 5 Things To Know About Series I Savings Bonds How to Budget With a Cash Envelope System Axios: Cash stuffing is back How to Save Money on Car Insurance Money Challenge: How To Save $2,023 in 2023 - Clark.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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark shares a key step to defend your identity and accounts from SIM swapping - the theft of your cell service. Now T-Mobile has a new security feature that helps block this type of fraud. Clark Stinks: Segments 1 & 2 T-Mobile SIM Protection: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Welcome to Clark’s Christmas Kids 2022 Clark's 4 Secrets To Save Money on Your Laundry What Is a Solo 401(k) and How Does It Work? Self employed 401K vs SEP - Investing - Clark Howard Community How an AARP Membership Can Save You Money How To Store Your Important Financial Documents Online 7 Best Free Cloud Storage Options in 2022 SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know T-Mobile Introduces New SIM Protection Feature TmoNews: T-Mobile implementing a new security feature for SIM swap requests BBB-File a Complaint 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

Good news this Christmas week - Despite upheaval in some employment sectors, Clark shares indications we are moving closer to economic equilibrium. Gas prices are now lower, including diesel for truckers, and a new report finds online prices declining as well in many categories. Also, the car rental game has gotten tougher for consumers. Companies are becoming more fee aggressive. Know the Clark smart steps for renting a vehicle.  The Economy Speaks: Segment 1 Ask Clark: Segment 2 Car Rental Rules: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Mortgages Archives - Clark Howard Should I Buy Additional Insurance From a Rental Car Company? Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know How to Avoid Car Rental Toll Charges - AutoSlash E-ZPass Group - Home Uni - One Toll Pass. 19 States. How to Add Bluetooth to Your Car | Digital Trends UShip Review: 5 Things To Know Before You Use the Shipping Service 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

Many loved ones are separated, living in different parts of the country, and that has consequences and remedies worth considering, especially over the holidays. Also, tis the season for identity theft. Clark covers the basics including different types of ID theft and 3 key strategies to protect yourself, including some NEVER EVER rules.  Reconnecting This Holiday: Segment 1 Ask Clark: Segment 2 Identity Theft: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Barrons.com: Americans Are Lonelier Than Ever—and That’s Bad for Your Health Should You Buy an Extended Warranty on Your Car? How To Freeze Your Credit With Experian, Equifax and TransUnion Worried about identity theft? What to do to minimize your risk There are no perfect solutions for identity theft. But experts and a victim have ideas Are you the victim of identity theft? Here’s what to do How To Prevent, Report and Repair Identity Theft The USPS mailbox scam: A sticky crime reportedly makes a comeback Why You Should Never Mail a Check Credit Karma Review: Free Credit Score and More at Your Fingertips Clark Howard Community - The place to learn about how to save 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

Is it wiser for a family to fund an investment account over a 529 plan? 529 plans are a slam dunk for a kid definitely going to college. But if there’s uncertainty surrounding attending college, Clark offers 2 alternative ways to save for the best tax outcome. Also, the pharmacy industry is under duress due to staffing shortages. Learn which are the top-ranked pharmacies for customer service. Investment Account Vs 529 Plan: Segment 1 Ask Clark: Segment 2 Best Pharmacies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: MARKETWATCH: How $10,000 will help my newborn granddaughter have a better retirement Best 529 College Savings Plans By State What Are Index Funds? / Best Investment Companies for Investors in 2022 How To Open a Roth IRA Clark.com Report: The Best Pharmacies for Customer Satisfaction Can Credit Repair Companies Really Raise Your Score? How to Deal With Medical Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Fidelity Personalized Planning & Advice Review   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

Despite increased wages, average earnings have not kept pace with inflation. Since the initial pandemic layoffs, labor force participation has gone down meaningfully, especially among men, while job opportunities with training and higher wages abound. Clark tells you how to bid your wages up in this evolving economy. Also, teaching youth about money now needs to include crypto, which can be challenging to understand much less explain. Hear Clark’s explanation of digital currency, & the problem and promise of crypto. Wage Inflation - Opportunity: Segment 1 Ask Clark: Segment 2 Teaching Kids About Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Are Middle-Aged Men Missing From the Labor Market? Cheaper Netflix Is Here: 5 Things To Know How To Sell, Cancel or Get Rid of Your Timeshare How Parents Can Teach Their Kids About Cryptocurrency NYT - The Crypto Industry Struggles for a Way Forward What Is a Fiduciary Financial Advisor and Do I Need One? Straight Talk Wireless Introduces Prepaid Home Internet 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - lots of people would like to retire early, but how do you know if you are really ready? Clark talks through 2 major areas to consider, before making that big decision. Clark Stinks: Segments 1 & 2 Retirement Readiness Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash Virtual Credit Cards: An Online Security Measure Worth Taking? WP- You probably don’t need to worry about public WiFi anymore What VPN Do You Use? - Technology - Clark Howard Community Citi Removes Important Benefit From Costco Credit Card Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Why You Should Never Mail a Check Google Fi Review: Things To Know Before You Sign Up These Big Banks Are Finally Doing Something About Zelle How to Retire Early / The 4% Rule: Why it still makes sense for retirement 10 Questions to Help You Decide if You’re Really Ready to Retire Early Amount of Roth IRA Contributions That You Can Make For 2023 IRS - Contributions to Individual Retirement Arrangements (IRAs) IRS - Retirement Topics - IRA Contribution Limits Why You Should Never Invest With a Bank What Is a Fiduciary 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

This is the week for appreciating service providers with holiday tipping - more of an art than a science. Needed guidance found here. Also, Clark has a prediction about new heat pump, solar and EV tax credits, and reasons you should take your time approaching these incentives. Holiday Tipping: Segment 1 Ask Clark: Segment 2 Energy Tax Incentive Advice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Holiday Tipping: Who To Tip and How Much  The no-stress guide to holiday tipping Holiday Tipping Guide: Who to Tip (And How Much?) Evaluate Life Insurance - Consumer Federation of America Live TV Streaming Channel Tool Save More on Green Home Improvements Under the Inflation Reduction Act Heat Pumps vs Solar Panels: Which Give More Energy Savings? [The Washington Post] Federal probe finds big solar firms flouted trade rules The #1 Thing Clark Howard Hates About Solar Panels Can Dual-Use Solar Panels Provide Power and Share Space With Crops? 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

When applying for a credit card, knowing your approval odds is a great tool being offered more often. But therein lies hazard. Household debt is rising at the fastest rate since 2007 as credit card debt soars. Also in this episode, Clark lays out 2 main reasons home prices have been going up beyond the general rate of inflation since before the recent run ups, and offers a partial remedy for home buyers to consider as home prices now moderate. Credit Card Debt: Segment 1 Ask Clark: Segment 2 Housing Affordability: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Credit Karma Review: Free Credit Score and More at Your Fingertips The Points Guy: American Express adds 'Apply with confidence' tool prior to submitting applications Coming soon: The big credit squeeze Clark.com - CREDIT CARDS  Target RedCard Credit Card Review: Earn 5% Back on Purchases Best Cash Back Credit Cards: Top Picks for 2022 6 Things To Know About the Capital One Venture X Rewards Credit Card The Median Home Size in Every U.S. State 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

Amazon has a new virtual health clinic. Clark explains the tie-in with Amazon Pharmacy and how this limited service works. Also, there’s a battle royale over pricing between manufacturers and retailers that goes way back and has recently gotten bigger. When shopping online, ever wonder why you often can’t see the price until you put the item in your cart? Clark explains what’s really going on and how to proceed. Amazon’s Virtual Health Clinic: Segment 1 Ask Clark: Segment 2 Manufacturer Pricing Restrictions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Health Care Has a New Virtual Clinic: Amazon Clinic New York Post: Companies set minimum prices to halt discounting among online retailers amid soaring inflation First TVs, now tortillas: U.S. companies set minimum prices to halt discounting Are cheap sunglasses bad for your eyes? Best Credit Cards for Extended Warranty: Top Picks for 2022 Clark.com - TIRES The Best Places To Buy Tires How to Save Money on 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

Has your power company offered you a “special deal” that they say may save you money? Because it’s become much more complicated to provide kilowatts, power companies are trying to shift capacity burden to consumers via time of use meters and certain incentives. Clark shares how this could end up costing you more. Also, what’s better for your investments - actively managed mutual funds or index funds? A new study reveals some facts about investing you may not be aware of that can affect your outcome.    Energy Use Demand-Response Plans: Segment 1 Ask Clark: Segment 2 Mutual Vs Index Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Utilities Hope You’ll Fix Their Power Problems - The Wall Street Journal. What Is Time-of-Use Metering and Should You Sign Up? How to handle money when you're traveling overseas 4 Money Tips To Learn Before You Travel to Europe Do Not Give Your Social Security Number at These Places How To Freeze Your Credit With Experian, Equifax and TransUnion NYTimes: Mutual Funds That Consistently Beat the Market? Not One of 2,132. To make money, avoid these common investment biases Best Investment Companies for Investors in 2022 What Is a Roth 401(k) and How Does It Work? What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? Immediate Payout Annuity: What Is It and Do You Need It? Longevity Insurance: What Is It and Do You Need It? 2 Ways To Guarantee Yourself a Lifetime Stream of Income Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode: Reading is fundamental and a bit of a lost art due to technology. Yet, it’s technology that can make the enriching and relaxing endeavor of long-form reading all the more convenient - and sometimes FREE. Clark helps you discover your e-book options. Clark Stinks: Segments 1 & 2 Free E-Books: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Important Advice on Funeral Planning CNET-Costco Shoppers: Here's How Much You Actually Save Compared to a Grocery Store How to spot and avoid fake product reviews on Amazon The #1 Bill You Should Make Sure You Get by Mail NYTimes.com: How to Make the Most of E-Books, and Find Free Ones 15 of the Best Places To Find Free E-Books  11 of the Best Places To Find Free Audiobooks Should I Get an Umbrella Insurance Policy? 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

The news just gets worse for travelers dealing with airline customer no service. Clark cites heavy fines against airlines for non refund of tickets on canceled flights, and discusses how you can avoid high baggage fees. Also in this episode: Grocery inflation is beginning to ease, item by item and Clark shares a money saving example in the meat department, and why using a “reverse shopping list” is key to spending less.  Airline Fees: Segment 1 Ask Clark: Segment 2 Supermarket Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ-These Travelers Would Rather Eat Glass Than Pay an Airline Fee Frontier Airlines Drops Its Customer Service Phone Line New Tool Shows Southwest Prices From Google Flights Search Look out! Airlines are setting a carry-on luggage trap Frontier, 5 other airlines to refund more than $600 million Safely Short-Term Vacation Rental Insurance & Guest Screening BBB-File a Complaint Experian Boost Review: How 3 Bills Helped Raise My Credit Score 14 Points Check Overpayment Scams | Consumer Protection Bureau How To Spot, Avoid, and Report Fake Check Scams Straight Talk Wireless Introduces Prepaid Home Internet 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

With the price of cars still up there, your money should buy reliability. Clark runs down highlights from new Consumer Reports rankings. Also in this episode: Like a game of Twister, corporate pandemic pivots left some in better stead than others. Many tech companies over expanded and it’s coming back to haunt those companies, their employees and customers.  Reliable Car Brands: Segment 1 Ask Clark: Segment 2 Corporate Pandemic Fallout: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Consumer Reports ranking for the most reliable cars of 2023 are in. Here are the winners. USA TODAY When Will Car Prices Drop? How to Buy a New Car in 5 Steps Best Travel Credit Cards: Top Rewards Picks for 2022 Best Rewards Credit Cards: Top Picks for 2022 WoofTrax – Dog Walking App  Charity Miles App | Walk, Run, Bike for a Causes Silicon Valley’s greatest minds misread pandemic demand. Now their employees are paying for it. Fired by Musk or Zuckerberg? The Old Economy Welcomes You - Bloomberg WP-It’s not your imagination: Shopping on Amazon has gotten worse Is Now a Good Time To Put Money in a CD? Warning: Watch Out for This Retailer Pricing Trick 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

This December the shelves are stocked and there are still deals to be had. Clark talks friendly prices in toyland and for clothing, laptops and appliances. Also this episode: Medical providers of all types are promoting instant credit. Clark explains why these credit plans are bad medicine - financially. Holiday Deals: Segment 1 Ask Clark: Segment 2 Medical Credit Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: The end of the end of HELOC Home - Elliott Report How To Reach a Human at Experian, TransUnion or Equifax The Best Way To Reach Customer Service at the Major Airlines How to Reach a Real Person at AT&T, Xfinity, Cox and More CNBC: Frontier Airlines gets rid of telephone customer service. How banks and hospitals are cashing in when patients can't pay for health care First, see if you can get your medical bill forgiven What Is an HSA Account and How Does It Work? Fidelity Investments Review 2022: Pros & Cons What Is Disability Insurance and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Introducing Vanguard Cash Deposit 10 Year-End Strategies To Cut Your Tax 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

Following a PR disaster and Senate hearings, the banks that created fraud-riddled Zelle are coming to the reform table. Clark describes testing going on now, soon coming to consumers. Also, the current state of holiday shipping is not what Clark predicted. Potential Zelle Reform: Segment 1 Ask Clark: Segment 2 Holiday Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These Big Banks Are Finally Doing Something About Zelle Best Credit Cards for Students: Top Picks for 2022 My Social Security Number Is on the Dark Web. What Should I Do? How To Freeze Your Credit With Experian, Equifax and TransUnion SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know SoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Is Now a Good Time To Put Money in a CD? Clark.com Community 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the short term rental market keeps going through changes channeled through Airbnb & VRBO themselves, and by local governments, directly affecting rental property decisions and renter experiences. Clark shares recent examples of both, including what Airbnb is doing to regain trust in the marketplace.  Clark Stinks: Segments 1 & 2 Airbnb Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Where To Buy the Best Cheap Printer WSJ-You Don’t Know What You Don’t Know About Your Financial Adviser Clark.com - Why you should never ‘top off’ your gas tank NYTimes.com: Airbnb Will Now Warn Travelers About Hidden Cleaning Fees  6 Things To Know Before Contacting the National Foundation for Credit Counseling The Best Unlimited Hotspot Plans TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? The Best Credit Cards That Pay for TSA PreCheck and Global Entry Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Costco Citi Visa card is eliminating one of its best benefits starting January 1st. Get Clark’s card benefit workaround. Also, if you’ve ever kicked yourself for not canceling a free trial subscription or an automatic renewal, you are not alone. Learn how to manage subscriptions and avoid the built-in hassles of free trials. Costco Citi Visa Benefit Cut: Segment 1 Ask Clark: Segment 2 Clark Savvy Subscription Management: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Citi Removes Important Benefit From Costco Credit Card Travel Insurance? What You Need To Know Before You Buy Best Travel Credit Cards: Top Rewards Picks for 2022 Best Credit Cards for Extended Warranty: Top Picks for 2022 Economy Skycouch - Air New Zealand 5 Things To Do Before You Sign Up for a Free Trial 10 hidden fees that could be costing you thousands Clark.com - HOME INTERNET 4 Things To Know Before You Buy a Digital TV Antenna Live TV Streaming Channel Tool Best Online Banks: Free Checking and High-Interest Savings Accounts 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

How much can you save at Costco vs traditional supermarkets? You may be surprised! Clark also has an important warning issued by the USPS concerning how you mail cards and packages. Clark shares tips for more secure mailing & bill pay - and tells you the one thing you should NEVER carry with you because if it’s stolen, YOU could end up in jail.  Clark’s TV Grocery Study: Segment 1 Ask Clark: Segment 2 Holiday Postal Alert: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CNET-Costco Shoppers: Here's How Much You Actually Save Compared to a Grocery Store 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul The Best International Phone Plans Actual Cash Value vs. Replacement Cost Value Coverage Lifehacker: Avoid Using Blue Mailboxes During the Holidays, USPS Warns Do Not Give Your Social Security Number at These Places Welcome to Clark’s Christmas Kids 2022 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

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

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

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

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

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

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

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

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

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

Clark shares a wild story about a hotel booking gone terribly wrong, and how to protect yourself when booking with third party sites. Plus, Clark’s longtime creed: Save more, spend less, and avoid getting ripped off. Today - spotlight on a myriad of ripoffs proliferating right now and how to avoid them.  Hotel Booking Wisdom: Segment 1 Ask Clark: Segment 2 Scam Alerts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Steps To Getting a Good Deal on a Hotel Room Marriott Bonvoy Boundless® Credit Card Review 2022: What You Should Know Scammers are posing as your TV and internet company The Washington Post] That customer service number? It could be a scam. Why You Should Never Click on Random Text Messages How To Prevent, Report and Repair Identity Theft New IRS Online Security Process: Is It Safe? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s that time of year - charity solicitations. But there are fake charities vying for our hard earned dollars and targeting our senior loved ones. Clark has some important guidelines for legitimate charitable giving. Also. we live in an era of surveillance. Our life online can be tracked and sold for profit, but WE don’t get paid. Yet, that option isn’t new and has resurfaced. Worth it? Clark explores privacy and consumer choice.  Legit Charitable Giving: Segment 1 Ask Clark: Segment 2 Online Tracking & Privacy Choice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: 76 Fake Charities Shared a Mailbox. The I.R.S. Kept Approving More. How To Choose the Best Charities for Your Donations Is There a Safe Way To Invest in Real Estate? WSJ.com: Startups Offer to Pay Consumers for Permission to Track Them Online What Is a C.L.U.E Report and Its Impact on Your Insurance Why I Think Medicare Advantage Plans Stink - Clark Howard Health Insurance Guide   -   Pitfalls of Medicare Advantage Plans - Investopedia What Is a Secured Credit Card and How Does It Work? Petal Card Review: A Good Option for First Credit Card? Best Secured Credit Cards: Top Picks for Building or Repairing Credit Finance Guide for Formerly Incarcerated People - MoneyGeek Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A new home buying trend is emerging that allows more people to become homeowners - BUT there are major considerations before entering into something very difficult to exit. Also, air travel patterns have changed, one of several factors driving up fares. Clark has 2 booking tips that can help you save in this current travel environment.  Home Buying Housemates: Segment 1 Ask Clark: Segment 2 Airfare Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The new American dream is buying a house with friends: 'It's a co-parenting model, it's a co-economy model, and it's a really great friendship and support model' NYT - Grand-mates: Generations Sharing a Special Bond (and Sometimes the Rent) Why Clark Howard Wants You to Set Up a 'Financial Chromebook' United Airlines says hybrid working could help keep travel demand surging, despite US airfares rising by 43% over the last year Follow Clark Howard's #1 Rule To Travel Cheap Top Travel Deals - Clark Howard Priority Pass | Airport Lounge Access 6 Things To Know About the Capital One Venture X Rewards Credit Card Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Return policies are different this holiday season. Rapid changes are underway and vary from retailer to retailer, online vs in-store. What to know before any purchase.  Clark Stinks: Segments 1 & 2 Beware New Return Policies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? 8 of the Best High-Yield Online Savings Accounts in 2022 How To Find a Trustworthy Mechanic The era of free returns may be coming to an end. Here's why retailers have started charging return fees — and how you can avoid them. Just keep your returns: Stores weigh paying you not to bring back unwanted items Which Documents Should You Keep and for How Long? How Long Do You Need To Keep Tax Documents? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

I Bonds aka Inflation Bonds have reset. Recently there was a land rush on I Bonds, offering a rate over 9%. The interest earnings rate is reset every 6 months based on an inflation measurement index. Clark explains the new structure and rate, and why I Bonds remain the best place to park savings. Also - In the pandemic wake, discretionary revenge spending has resulted in shocking numbers for both how much saving is down and credit card debt is up. Clark has an at home test that acts as a truth serum to guide spending.   I Bonds Update: Segment 1 Ask Clark: Segment 2 Revenge Spending Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds Pros and Cons of Unlimited PTO and Companies That Offer it HEALTHCARE.gov Homeowners Insurance Archives - Clark Howard More debt, higher fees: Credit card borrowers face mounting burdens Have you joined Clark's 'Ditch Your Debt' Facebook group yet? What Is Deferred Compensation? - Investopedia   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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