The Clark Howard Podcast
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.
Episodes
02.18.25 Ask An Advisor With Wes Moss
Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 18, 2025, Ask an Advisor episode of the Clark Howard podcast.
Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
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18/02/25•44m 56s
02.17.25 Joining A Gym + Health Trackers & Privacy / Payment App Warning
Mid February and as resolutions fade, make the choice to double down! Today, the Clark smart way to join a gym, and what to know about health trackers and your privacy. Also - Zelle is not the only payment app to be concerned about. Spotlight on Cash App and the safest way to transfer money.
How To Join A Gym: Segment 1
Ask Clark: Segment 2
Payment App Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Get a Gym Membership for Practically Free
Why Does Clark Howard Wear 2 Watches?
13 of the Best Free Workout And Fitness Apps
Consumer Reports - Your Exercise Bike Knows a Lot About You & Doesn't Keep Every Secret
IRS Direct File Expands to Millions More Taxpayers
9 Free Federal and State Tax Filing Services for 2025
Cash App Ordered To Pay Millions for Fraud, Security Issues
Safer Ways To Send Money - Clark.com
6 Things To Know Before You Buy Gas at Costco Wholesale
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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17/02/25•34m 55s
02.14.25 Valentines Edition: Couples And Money / Wedding Costs
Happy Valentine’s Day! One way to help keep love alive is being honest about money matters and talking over financial goals with your partner. Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond.
Financial Fidelity: Segment 1
Ask Clark: Segment 2
Wedding Expense: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard's 5 Money Tips for Couples
How Couples Can Get on the Same Page About Money
6 Things To Know Before Contacting the National Foundation for Credit Counseling
How To Spot and Avoid Gift Card Scams
The One and Only Exception to Clark Howard's 'No Gift Card' Rule
How To Talk to Your Partner About Money Before Marriage
SAVE Money On Your Wedding
Marriage, money and happiness: A timeline
I Need Plane Tickets for an International Trip. Should I Buy Now or Wait?
5 Steps To Getting a Good Deal on a Hotel Room
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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14/02/25•34m 19s
02.12.25 Finding A Side Gig / Finances: Teach Your Children Well
So many Americans are taking on side jobs to make extra cash. Clark talks about how important it is to have your scam radar up, and to prepare for the latest tax implications of gig work. Plus, for parents, Clark discusses the state of financial education and ways to give your kids the financial know-how they’ll need throughout life.
Legit Gig Work: Segment 1
Ask Clark: Segment 2
Financial Education: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Taking the guesswork out of gigs
30 Easy Side Hustle Ideas
Is One Medical Membership for Prime Members Better Than a Health Concierge?
Amazon One Medical - Portland OR
How to Find a Geriatric Care Manager / Senior Planning
NHTSA safety | Check for Recalls. Save Lives.
Why You Should Never Use a Debit Card To Pay for Anything
How to Teach Young Kids About Money
How To Buy Term Life Insurance in 7 Easy Steps
4 Types of Term Life Insurance Companies Explained
Discover it® Cash Back Review: Earn Rotating 5% in Top Categories
Credit Karma Review: Free Credit Score and More at Your Fingertips
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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12/02/25•34m 54s
02.11.25 Ask An Advisor With Wes Moss
Monthly Pension vs. Lump Sum: The 6% Test and Is the Market Too High To Keep Investing?
Should you take a monthly pension or a lump sum payout? That’s a tricky question, but fiduciary financial advisor Wes Moss has a simple rule that can help you decide. Also, is it better to invest when markets are high or low? Wes breaks down market records since 1950 and shares his perspective on why investing in an all-time-high market is more important to your money than you may think.
Plus, Christa shares your #AskWes questions and Wes gives his take.
All this and more on the February 11, 2025, Ask an Advisor episode of the Clark Howard podcast.
Pension vs Lump Sum Calculator - Clark Howard
Should You Take Your Pension in a Lump Sum or Monthly Payments?
Should I Take a $700,000 Lump Sum or a $4,200 Monthly Pension?
Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
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11/02/25•38m 22s
02.10.25 Housing & Transportation Costs / 2025 Traffic
In today’s episode - It’s a nightmare to feel like you’re in over your head financially. Clark discusses the money traps that accompany our two largest monthly expenses: housing and transportation costs - and how to avoid them. Also - 2025 is bringing back pre-Covid work culture, including more return-to-office mandates. That and other factors mean heavier metro traffic. Clark has a commuter strategy to keep in mind.
Housing & Vehicle Costs: Segment 1
Ask Clark: Segment 2
2025 Traffic: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Submit a complaint | Consumer Financial Protection Bureau
The Safer Way To Use Your Debit Card
Why You Should Never Use a Debit Card To Pay for Anything
MEFA (Massachusetts Educational Financing Authority) College Cost Projector
Tuition Inflation - Finaid
How to Take the Car Keys Away From Unsafe Elderly Florida Drivers
Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana?
How To Buy a Used Car
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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10/02/25•38m 9s
02.07.25 Clark Answers His Critics on Clark Stinks / Energy Prices & Home Building
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Clark discusses what’s behind rising energy costs now and in the future, and the need for a rethink in home building.
Clark Stinks: Segments 1 & 2
Energy Prices & Home Building: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Switch Phone Carriers: 9 Easy Steps
How To Fight Fraudulent Bank Account Charges
Can I Access My Streaming Service Anywhere in the U.S. and Internationally?
IRS Direct File Expands to Millions More Taxpayers
8 Free Federal and State Tax Filing Services for 2025
5 Reasons Why This Is the Best Time of the Year To File Your Taxes
Why this Boston homeowner doesn’t pay anything to heat his house
10 Ways To Lower Your Heating Bill / How To Save Money on Utilities
How To Get a Free Credit Report / 4 Ways To Get Your Free Credit Score
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
What Is a Fiduciary Financial Advisor and Do I Need One?
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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07/02/25•42m 42s
02.05.25 Credit Score Perfectionism / When Travel Goes Awry…
Many are obsessed with having a perfect credit score. Clark offers a more realistic goal when it comes to your all important credit rating. Also, when things go wrong with travel, you have to fight for your rights. Clark shares strategies that can help you avoid problems in the first place, and discusses ways to advocate for yourself when you do run into a travel problem.
Your Credit Score: Segment 1
Ask Clark: Segment 2
Be Your Own Travel Advocate: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a Good Credit Score?
How To Improve Your Credit Score in 5 Key Areas
Why You Don’t Need an 800 Credit Score
Credit Karma Review: Free Credit Score and More at Your Fingertips
How Long Will It Take for My Credit Score To Go Up if I Missed a Payment?
File a Consumer Complaint / Air Travel Service Complaint | secure.dot.gov
Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?
How To Find Cheap Flights in 3 Easy Steps
Follow Clark Howard's #1 Rule To Travel Cheap
Going™ | Formerly Scott's Cheap Flights | Flight Subscription
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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05/02/25•37m 11s
02.04.25 Ask An Advisor With Wes Moss - DeepSeek Shockwave: What It Means for the Economy and Your Investments
Just recently, big news from China jolted the market and the media in the U.S. as a new AI technology entered the field: DeepSeek. In the first part of this episode, fee-only fiduciary financial advisor Wes Moss explains how this development will only increase productivity in America and improve our economy. Also, Wes continues to discuss the DeepSeek news and how it is impacting markets and our investments. He shares five keys to stock diversification to help you limit losses and bad returns.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
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04/02/25•44m 9s
02.03.25 The Net Worth Gap For Renters Vs Buyers / Valentine Diamond Deals
In today’s episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine’s Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.
Housing: Bridging The Net Worth Gap: Segment 1
Ask Clark: Segment 2
The Diamond Marketplace: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The median renter in America has a net worth of $10,400. The median homeowner’s net worth is $400,000
Should You Take Your Pension in a Lump Sum or Monthly Payments?
What Is a Fiduciary Financial Advisor and Do I Need One?
Best Financial Advisors
De Beers amasses biggest diamond stockpile since 2008 financial crisis
Verizon administrative settlement payments are nowhere near $100. Here's why
Should You Respond to Class-Action Lawsuits?
How To Sell, Cancel or Get Rid of Your Timeshare
Why Vacation Clubs Are Even Worse Than Timeshares
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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03/02/25•34m 56s
01.31.25 Warning: Vacation Rentals / Best Ways To Buy A Vehicle
Today - more issues with short term vacation rental sites like VRBO and Airbnb are cropping up. Who should take responsibility when things go wrong? Know what to be aware of and what to do when the place is not as represented. Also - It’s the best of times AND the worst of times to experience buying a vehicle. Some methods are far more consumer focused than others, which can make a huge difference for your wallet.
Vacation Rentals: Segment 1
Ask Clark: Segment 2
Modern Car Buying: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How short-term vacation rentals use a decades-old internet law to dodge safety concerns
National Registry Of Unclaimed Retirement Benefits
How To Find Missing or Lost Retirement Accounts - Clark.com
AI Lured Me Into a Car Dealership. That’s Where Things Broke Down
Amazon is officially in the online car sales business
Why You Should Never Use a Debit Card To Pay for Anything
How To Avoid ATM Fees
How To Switch Banks in 4 Simple Steps
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
APELLA WEALTH - Advice For Life
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31/01/25•35m 40s
01.29.25 Warning: Individual Stock Trading / Pay Transparency
A recent article warns about how the stock market is turning into a casino for many Americans. If you must trade individual stocks, know the hazards, which include capital gains tax. Also today - It’s about to get easier to tell if you are being compensated fairly at work. How new state statutes can work to your advantage.
Trading & Betting Addiction: Segment 1
Ask Clark: Segment 2
New Job Listing Laws: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
More Men Are Addicted to the ‘Crack Cocaine’ of the Stock Market - WSJ
How To Open a Roth IRA
5 Steps To Getting a Good Deal on a Hotel Room
How Long Should I Save Pictures of My Car Rental?
Most Americans Feel Good About Their Job Security but Not Their Pay
New laws are coming for job listings. Many employers aren't prepared
Credit Card Car Rental Insurance: What You Need To Know
Is Chase Sapphire Reserve® Worth It in 2024?
Capital One Venture X Rewards Credit Card: 6 Things To Know
The Platinum Card® from American Express Review 2024: Is It Worth It?
How To Choose the Best Charities for Your Donations
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
APELLA WEALTH - Advice For Life
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29/01/25•36m 32s
01.28.25 Ask An Advisor With Wes Moss - Is It Ever Too Late To Save for Retirement? and Big Social Security Change for Millions
Is It Ever Too Late To Save for Retirement? Fee-only fiduciary financial advisor Wes Moss has an answer, backed by years of research. Also, a major Social Security change in 2025 is set to positively impact nearly three million people. Wes explains everything you need to know, including who will see an increase in their checks.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 28, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
Read Wes’ 5 Keys To Be a Successful Investor
APELLA WEALTH - Advice For Life
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28/01/25•39m 40s
01.27.25 SAVE More On Airfares / Your Privacy & Vehicle Data Collection
When looking for a flight deal, there’s a trick that can save you a lot of money. Clark points to 3 airlines that might not be on your radar, but should be. Also - is your car spying on you? It’s highly likely. And what happens with your data? Clark discusses privacy concerns prevalent today.
New Airlines & Destinations: Segment 1
Ask Clark: Segment 2
Vehicular Spying & Privacy Rights: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NYTimes: Coming to a Tiny Airport Near You: New Airlines
How To Find Cheap Flights in 3 Easy Steps
How To Prevent, Report and Repair Identity Theft
What Is a Credit Union? / Credit Union vs. Bank: What's the Difference?
Submit a complaint | Consumer Financial Protection Bureau
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Should You Get a Store Credit Card?
Is your car spying on you? What it means that Tesla shared data in the Las Vegas explosion
Best Cash Back Credit Cards With No Annual Fee in 2025
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
SURFSHARK - Alternative Number: your online identity safeguard
POLICYGENIUS - The Simple Way To Buy Insurance
APELLA WEALTH - Advice For Life
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27/01/25•35m 6s
01.24.25 Clark Answers His Critics on Clark Stinks / Job Change and Your 401(k)
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how people end up losing money when they change jobs and what you can do about it.
Clark Stinks: Segments 1 & 2
401(k)s And Changing Jobs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Do I Really Need To Put Premium Gasoline in My Vehicle?
[The Washington Post] New job? You may be leaving behind thousands in 401(k) savings.
Changing Jobs? Don’t Make This Costly Retirement Mistake
How to Start Investing: 10 Steps for Beginners
How To Open a Roth IRA
Best 529 College Savings Plans By State
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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24/01/25•36m 8s
01.22.25 A Warning About Shopping Online / The Risks Of Public Internet
Today - Consumer spending has steadily become a larger part of the economy over the years. Tech and the ability to shop online has made the problem of shopping addiction substantially worse. Clark shares some simple steps you can take to avoid overspending online. Speaking of the internet - Clark has changed the way he goes online when away from home. You’ll want to hear his recommendations to protect your privacy and your money.
Shopping Triggers: Segment 1
Ask Clark: Segment 2
Public Wi-Fi Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Biggest Money Mistakes To Avoid in 2025
Why Clark Says It's Time To Dump I Bonds
Why You Might Be Paying Your Credit Card Bills All Wrong
Best Phone Plans: Get Exactly What You Want at the Cheapest Price
Best Unlimited Data Plans in 2024: Starting at $25 for One Line
The Best Unlimited Hotspot Plans
The Best International Phone Plans
Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
What Is a 403(b) and How Does It Work?
How To Find and Choose a Financial Advisor
How Much Does a Financial Advisor Cost?
What Is a Fiduciary Financial Advisor and Do I Need One?
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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22/01/25•33m 56s
01.21.25 Ask An Advisor With Wes Moss - Why Successful Investors Buy Stocks (Mostly) and Stock Market FOMO
According to research, the median happy retiree needs $700,000 to get to retirement. But how do you get there? That’s where stocks come in. In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss explains why stocks (mostly) are so important to your portfolio and the “dry powder” you need to stay confident in the market. Later in the show, Wes talks about FOMO (fear of missing out) Freddy and why you should ignore him at all costs when looking at your investments.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 21, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
Read Wes’ 5 Keys To Be a Successful Investor
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21/01/25•35m 14s
01.17.25 Clark Answers His Critics on Clark Stinks / Maximize Your Savings
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing.
Clark Stinks: Segments 1 & 2
Savings Rate Rip Offs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Are Extended Warranties Ever Worth It?
Should You Buy an Extended Warranty for Your TV?
Travel Insurance Checklist: 5 Types of Coverage To Consider
4 Things To Know Before You Buy a Digital TV Antenna
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
Best Credit Cards for Students: Top Picks for 2024
Barrons: Ameriprise Asks Judge to Toss Clients’ Cash-Sweep Lawsuit
17 of the Best High-Yield Online Savings Accounts in January 2025
High-Yield Savings Account (HYSA) Calculator
MyCredit Guide - American Express
Submit a complaint | Consumer Financial Protection Bureau
What Is a 403(b) and How Does It Work?
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
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17/01/25•36m 45s
01.15.25 A Plan For Credit Card Debt / Direct & Free Tax Filing
Many Americans are stressed about spending decisions made over the holidays as the credit card bills roll in. Today, a Clark smart assignment for dealing with debt. Also rolling in soon are tax documents. Clark has advice on tax preparation, free filing, and more.
Credit Card Debt: Segment 1
Ask Clark: Segment 2
This Tax Season: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard's 2024 Credit Card Debt Elimination Strategy
Why You Might Be Paying Your Credit Card Bills All Wrong
What Is FedNow?
IRS Direct File Expands to Millions More Taxpayers
8 Free Federal and State Tax Filing Services for 2025
IRS Tax-Refund Checks Keep Getting Stolen in the Mail - WSJ
Tax Software vs a Tax Professional: Which Should You Choose?
Clark.com - When Should You Get an Accountant To Do Your Taxes?
Why Did My Credit Score Drop?
4 Ways To Get Your Free Credit Score
What Is a Good Credit Score?
BBB-File a Complaint
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
15/01/25•36m 45s
01.14.25 Ask An Advisor With Wes Moss - 10 Things Investors Should Watch Out For in 2025
What does 2025 hold for investors? On this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down 10 things investors should watch out for in 2025. Should we worry about tariffs? Will the market be more volatile? Can we expect a bull or bear market? You don’t want to miss these valuable insights and more to help you prepare for the year ahead! 10 Things Investors Should Watch Out For in 2025
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 14, 2025, Ask an Advisor episode of the Clark Howard podcast.
Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: Wes Moss, CFP®
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14/01/25•50m 2s
01.13.25 Booking Spring & Summer Travel / Amazon Brushing Scams
January is not only a bargain month to travel, but also brings deals for spring and summer travel. But when shopping travel options, things aren’t always as they appear. Clark tells you what to look out for when booking flights, cruises, hotels and car rentals Also - do you know what an Amazon “brushing” scam is? Clark explains this “gift that you don’t want.”
Summer Travel: Segment 1
Ask Clark: Segment 2
Amazon Brushing Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Travel Archives - Clark Deals / Travel Archives - Clark Howard
Auto Europe: Cheap Car Rentals from $6/day! Best Rate Guarantee
Rentalcars.com: Cheap Car Rental, Price Match Guarantee
Cheapest Way to Rent a Car: Expert Tips
When Should You Get an Accountant To Do Your Taxes?
What Is a Roth 401(k) and How Does It Work?
5 Best Robo-Advisors in 2024
What Is a Fiduciary Financial Advisor and Do I Need One?
Amazon Scam Warning: Beware of Deliveries You Didn’t Order
Automatic Bill Pay: How It Works and How To Do It Safely
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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13/01/25•35m 56s
01.10.25 Clark Answers His Critics on Clark Stinks / Find Your Best Phone Plan
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - cell phone companies tend to make their plan offers deliberately confusing. Clark offers resources to cut through the hype and zero in on the plan that is best for you, while potentially saving you hundreds of dollars per year.
Clark Stinks: Segments 1 & 2
Back To Basics: Cell Phone Plans: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Deals - Today's Best Deals of the Day
Why I Think Medicare Advantage Plans Stink - Clark Howard
What Are Index Funds? // What Is an ETF?
3 Ways To Get a Free VIN Check Before Buying a Used Car
Phone Plan Finder – Find and Compare Phone Plans - Clark.com
Best Phone Plans: Get Exactly What You Want at the Cheapest Price
11 New Cell Phone Deals in January
Amazon Haul: 4 Things To Know Before You Shop
Should I Sell My House on My Own or Through a Real Estate Agent?
How to Shop for Lower Car Insurance
Best And Worst Homeowners Insurance Companies
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
10/01/25•38m 11s
01.08.25 New Year, New Job / Your Longevity
A new survey finds that half of all workers are basically miserable. Are you thinking about getting a new job this year? There are some great ways to receive additional training for free to up your skill set. Also, you can do something absolutely free to improve your health and lengthen your life.
2025 Employment: Segment 1
Ask Clark: Segment 2
Rise & Thrive: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The share of US workers who are “thriving” has fallen to a record low
These 4 fantastic sites offer more than 17,000 free online courses
Military and Veterans Guide: Free Resources for Your Finances
Why Clark Howard Is So Excited About His Wedding Band
NYTimes: Why Sitting All Day May Shorten Your Life
What's the Best Way To Donate to a Charity?
Clark Howard: My 7 Rules for Using Credit Cards
Clark.com resources
Episode transcripts
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08/01/25•32m 13s
01.07.24 Ask An Advisor With Wes Moss - 5 Keys To Successful Investing
Saving for retirement is largely our own responsibility as individuals. As we live longer, we have a lot of time in retirement to prepare for. Plus, events in the world can be complicated which can make investing a nerve-wracking decision. Fortunately, there are basic core pillars and strategies that successful investors share.
In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down the five fundamental keys of successful investors to help you better navigate the path to achieving financial freedom and reaching your retirement goals.
In the second half of the show, Wes takes a deep dive into one of the pillars: planning.
Plus, Christa shares your #AskWes questions and Wes gives his take.
All this and more on the January 7, 2025, Ask an Advisor episode.
Submit your questions at clark.com/ask.
We hope you enjoy the first of our weekly Ask An Advisor episodes, with Christa and Wes going deeper on investing and retirement savings.
Let us know what you think in the comments!
Learn more about Wes, our newest member of Team Clark:
Capital Investment Advisors Wes Moss, CFP®
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07/01/25•42m 8s
01.06.25 Timeshares - Vacation Clubs / Teaching The Value Of Money
Today, something we receive many calls about at our Team Clark Consumer Action Center - timeshares. Clark explains why timeshares & their latest incarnation - vacation clubs are defective by design. Also - teaching kids about money can be a real challenge, and allowance can play a big role in teaching kids that money is a finite commodity.
Beware “Vacation Clubs”: Segment 1
Ask Clark: Segment 2
Teaching Deferred Gratification: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why Vacation Clubs Are Even Worse Than Timeshares
NYTimes: Lured by Luxury Vacations, They Were Stuck With Debt
How To Sell, Cancel or Get Rid of Your Timeshare
12 Common Amazon Scams To Avoid
Amazon Scam Warning: Beware of Deliveries You Didn't Order
3 Places You Should Never Invest Your Money
Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
How to Teach Young Kids About Money
Cash Back Credit Card Tool - Clark.com
Best 2% Cash Back Credit Cards: 11 Options for 2025
6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster
Clark.com resources
Episode transcripts
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06/01/25•36m 24s
01.03.25 SAVE MORE On Streaming / Gift Returns & January Deals
Happy New Year! Clark starts off 2025 with advice that can help you save money throughout the entire year. Clark Stinks will be back next week. Also today, what to know about making returns on some of those holiday items you may not want to keep.
SPEND LESS On Streaming Services: Segment 1
Ask Clark: Segment 2
Holiday Returns: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Live TV Streaming Services: Compare Top Picks for 2025
Best Free Streaming Services in 2025: Movies and TV for Cord Cutters
Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels
4 Things To Know Before You Buy a Digital TV Antenna
PBS and Amazon to Launch Local PBS Stations and PBS KIDS FAST Channels
Study: The 10 Best New Cars for the Money
How to Shop for Lower Car Insurance
Best Auto Insurance Companies and Some of the Worst
The Platinum Card® from American Express Review
Capital One Venture X Rewards Credit Card
Travel Insurance Checklist: 5 Types of Coverage To Consider
Travel Insurance: What You Need To Know Before You Buy
13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale
Clark Deals - Today's Best Deals of the Day
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
How To Find a Trustworthy Mechanic
Clark.com resources
Episode transcripts
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03/01/25•37m 34s
12.31.24 BEST OF: Become A Price Negotiator / Warning: Dietary Supplements & Protein Powders
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.
Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements.
Price Negotiation: Segment 1
Ask Clark: Segment 2
Warning: Dietary Supplements: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
A Guide To Negotiating For Cars, TV Bills, Home Renos And More
Is It Worth Buying High-End Appliances?
Here's How Long Your Home Appliances Should Last
The best time and place to buy appliances
Submit a complaint | Consumer Financial Protection Bureau
Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation
How To Avoid Fraud With Herbal Supplements
ConsumerLab.com / NSF International / U.S. Pharmacopeia
Consumer Federation of America Life Insurance Rate of Return Service
How To Find and Claim Missing Money in Your Name
Clark.com resources
Episode transcripts
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31/12/24•36m 43s
12.30.24 BEST OF: The Magic Number For Retirement / Investing: A Cautionary Tale
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.
How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary.
How Much Do You Need To Retire: Segment 1
Ask Clark: Segment 2
Risky Investment Pitches: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How Much Do You Need To Retire?
How to Start Investing: 10 Steps (Clark.com)
How To Save Money: Spend Less & Build Your Savings
Warning: Here’s What Those Debt Settlement Companies Don’t Tell You
Clark Howard's 2024 Credit Card Debt Elimination Strategy
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Best 529 College Savings Plans By State
How To Open a Roth IRA
The AJC: Atlanta hedge fund manager charged in $10M fraud scheme
Best Financial Advisors in 2024
Should You Make Your Child an Authorized User on Your Credit Card?
Best Credit Cards for Students: Top Picks for 2024
Travel Archives - Clark Howard
4 Ways To Get Your Free Credit Score
Clark.com resources
Episode transcripts
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30/12/24•37m 31s
12.27.24 BEST OF: Clark Answers His Critics on Clark Stinks / Paying For Adult Children
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic, linked here and we invite you to share thoughts on financially supporting adult children.
Clark Stinks: Segments 1 & 2
Paying For Adult Children: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Streaming TV - Clark.com
Do I Really Need To Put Premium Gasoline in My Vehicle?
How to Get Your Kids to Step Off the Gravy Train
60% of Parents Pay Bills For Adult Children. Do You?
When it’s time to financially cut off your adult children
Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any?
Clark.com resources
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27/12/24•37m 12s
12.26.24 BEST OF: Relocation: Rent Before You Buy / SAVE MORE On Clothing
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.
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
Clark.com resources
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26/12/24•30m 58s
12.24.24 BEST OF: Retail Membership Considerations / Timeshare Scams Get Worse
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.
The membership subscription 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)
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
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24/12/24•29m 53s
12.23.24 2025 Home Price Projections / The Average 401(k) Balance
Today, our last show of the year, Clark looks ahead to where home prices are likely to go in 2025. Also in this episode, Clark shares data on the average 401(k) balance. There’s room for improvement to get better prepared for retirement moving forward.
2025 Home Prices: Segment 1
Ask Clark: Segment 2
401(k) Balances: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Store Your Payment Information Online
Virtual Credit Cards: An Online Security Measure Worth Taking?
Top 7 Ways To Shop Safely Online
This Device Can Help You Avoid an Annoying Car Rental Fee
Is a HELOC a Good Idea? The Simple Answer
HELOC vs. Home Equity Loan: Similarities and Differences
USA TODAY: The average 401(k) balance for ages 55 to 64 may surprise you
Invest & Retire - Clark.com
Should You Make Your Child an Authorized User on Your Credit Card?
What Is Umbrella Insurance and Do You Need It?
Clark.com resources
Episode transcripts
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23/12/24•35m 33s
12.20.24 Clark Answers His Critics on Clark Stinks / A USPS Warning
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark is truly concerned about the chaotic state of the United States Postal Service right now. In many regions of the country, people are dealing with serious consequences of delayed or undelivered mail. Know what you can do to protect yourself
Clark Stinks: Segments 1 & 2
Unreliable Mail Delivery - Action Required: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
Government Executive: GOP senator to DeJoy: I will 'kill' your plan to reform USPS
What Should I Do With My 401(k) at My Old Company?
401(k) Rollover: How To Roll Over a 401(k)
What to Do if You're Facing Car Repossession
Clark.com resources
Episode transcripts
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20/12/24•36m 1s
12.19.24 SAVE On Internet Service / American Train Travel
One way you may be able to save money is through home Internet service. Do you really need the highest speeds? So many of us overbuy for what we actually need. Also, train travel in the U.S. has lagged behind other developed countries, but that is starting to change.
More Internet Speed Than You Need: Segment 1
Ask Clark: Segment 2
American Rail: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark’s Tips To Save Money on Home Internet in 2025
T-Mobile Rolls Out New Pricing for Home Internet Plans
Verizon Home Internet: Things To Know Before You Sign Up
1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle
Net Worth Calculator - Clark.com
More people are riding Amtrak than ever before, and improvements are on the way
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years
17 of the Best High-Yield Online Savings Accounts in December 2024
Best Online Banks: Free Checking and High-Interest Savings Accounts
High-Yield Savings Account (HYSA) Calculator
What's the Best Savings Account for a Teenager?
Warning: Why You Should Never Buy Visa Gift Cards
Clark's Christmas Kids 2024
Clark.com resources
Episode transcripts
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Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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19/12/24•33m 26s
12.18.24 American Healthcare Needs A Full Rethink / New Employment Challenges
The murder of United Healthcare CEO Brian Thompson has created a lot of argument and discussion about healthcare and health insurance. Clark addresses the problems and challenges we face with the U.S. healthcare system including lack of choice, hidden pricing, and consumers being squeezed on cost and denied care. Also - Clark discusses new statistics on how long it is taking many workers to find a new job, and how you should prepare.
American Healthcare: Segment 1
Ask Clark: Segment 2
Employment Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
After a shocking shooting, Americans vent feelings about health insurance
National Academy of Elder Law Attorneys Home NAELA
Why It’s More Important Than Ever To Have an Emergency Fund
How Much Money Do I Need in My Emergency Fund?
How Much Do You Need To Save a Month To Get $10,000?
17 of the Best High-Yield Online Savings Accounts in December 2024
Is Robinhood Gold Worth It?
How To Open a Roth IRA
What Is a SIMPLE IRA and How Does It Work?
What Is a SEP IRA and Who Is Eligible?
Clark.com resources
Episode transcripts
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18/12/24•37m 42s
12.17.24 Airport Car Theft / The Real Consumer Victory At Supermarkets
Auto theft, particularly at airports - has spiked around the country. Holidays travelers are especially at risk, but there is something you can do to keep track of your vehicle. Also today, Albertsons is suing Kroger now that the merger deal has collapsed. Clark discusses how this antitrust ruling matters - or doesn’t - to us as consumers.
Grand Theft Auto: Segment 1
Ask Clark: Segment 2
Supermarket Antitrust Ruling And You: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark's Christmas Kids 2024
How To Find and Claim Missing Money in Your Name
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card
Best Travel Credit Cards: Top Rewards Picks for 2025
Do I Need To Unfreeze My Credit To Shop for Car Insurance?
What's the Best Savings Account for a Teenager?
What Brokerage Do You Recommend for First-Time Investors or Kids?
When Should You File a Claim on Your Homeowners Insurance?
10 Things Homeowners Insurance Doesn't Always Cover
Clark.com resources
Episode transcripts
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17/12/24•32m 58s
12.16.24 SAVE MORE With DIY Repairs / Housing Market Update
You CAN DIY - by learning to fix things, even on your own car! Believe it or not, even Clark has been able to do this! Also today, a housing market update including new vs used homes, where people are buying now and why.
Online DIY Repairs: Segment 1
Ask Clark: Segment 2
Moving To Satellite Communities: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
WSJ: Would You Fix Your Own Car? These Amateurs Are Trying It.
Clark,com - Buying Tires
Best Renters Insurance Companies and Ones To Avoid
6 Best Background Check Services
Is a HELOC a Good Idea? The Simple Answer
What Are Index Funds? / What Is an ETF?
Target Date Funds: Clark's Favorite Retirement Investment
Clark.com resources
Episode transcripts
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16/12/24•33m 57s
12.13.24 Clark Answers His Critics on Clark Stinks / SAVE On Healthcare
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, we spend so much on healthcare in the U.S. with less to show for it. Clark has money saving medical advice, and a recent experience to share.
Clark Stinks: Segments 1 & 2
SPEND LESS On Healthcare: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark's Christmas Kids 2024
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
The Platinum Card® from American Express Review 2024: Is It Worth It?
Should I Freeze My Credit With the Other Credit Bureaus?
Which Credit Reports Do AT&T, T-Mobile, Sprint, and Verizon Pull?
5 of Clark Howard's Most Extreme Frugal Hacks
New lessons from the fight for charity care / Dollar For
Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
What Should I Read To Learn More About Investing?
Clark.com resources
Episode transcripts
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13/12/24•40m 33s
12.12.24 Subscription Wrangling / Estate Planning in 3 Steps
Uber’s current trouble with the FTC is a consumer lesson for us all, and a great reminder to take action now to protect your wallet. Also today, Warren Buffet recently gave some important advice about estate planning. Clark shares 3 important steps to take. Your heirs will thank you.
Subscription Maintenance: Segment 1
Ask Clark: Segment 2
Estate Planning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The FTC is investigating Uber over its subscription service
HumbleDollar: Home
How Long Do You Need To Keep Tax Documents?
17 of the Best High-Yield Online Savings Accounts in December 2024
Dollar Cost Averaging Makes You a Fortune Over Time
How To Open a Roth IRA
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
Is a Safe Deposit Box Really Safe?
Why You Need To Talk to Your Family About Your Estate Before You Die
Wills & Funerals Archives - Clark Howard
Follow Clark Howard's #1 Rule To Travel Cheap
The Best International Phone Plans
Clark's Christmas Kids 2024
Clark.com resources
Episode transcripts
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12/12/24•38m 16s
12.11.24 Tariffs And Car Prices / Store-Branded Credit Cards
Today, Clark discusses tariffs and the potential for rising car prices. So should you pull the trigger and buy now? Also, you may be tempted to get a store credit card while holiday shopping. Know why Clark is adamantly opposed to this form of “junk credit”.
Tariffs And Car Prices: Segment 1
Ask Clark: Segment 2
Store Credit Cards: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark's Christmas Kids 2024
Should You Ever Lease a Car?
Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit
My 7 Rules for Using Credit Cards - Clark Howard
Best 2% Cash Back Credit Cards: 11 Options for 2025
5 Sneaky Ways To Improve Your Credit Score
How Dividing Your Monthly Credit Card Payment Speeds Up Your Payoff Date
Warning: Why You Should Never Buy Visa Gift Cards
Is Turo Legit? 5 Things To Know Before You Use It
5 Things to Know About the Costco Car Rental Program
Clark.com resources
Episode transcripts
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11/12/24•32m 21s
12.10.24 What Is Mortgage Recasting? / Fast Food Innovations
Today, Mortgage Recasting 101. Clark explains how this type of payment works, when it might be appropriate, and mortgage recasting vs principal prepayment. Also, many fast food restaurants are innovating through apps, AI - and a whole new era of vending machines.
Mortgage Recasting: Segment 1
Ask Clark: Segment 2
Fast Food Innovations: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Mortgage recasting: What it is and how it works
Submit a complaint | Consumer Financial Protection Bureau
Is a HELOC a Good Idea? The Simple Answer
HELOC vs. Home Equity Loan: Similarities and Differences
Home Equity Loan Calculator - Clark Howard
Should I Purchase a Prepaid Funeral Plan?
Clark Howard's Important Advice on Funeral Planning
Low-Cost Cremation Services: 5 Things to Know
Clark.com resources
Episode transcripts
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10/12/24•31m 52s
12.09.24 The Property Tax Problem / The Decision to “Unretire”
Today - with the rapid rise in home values, property taxes have gone up all over the country. North Dakota tried and failed to eliminate property taxes on election day, and other states are trying to figure out a way to give homeowners some relief. Also today - there’s a trend in the country that has both positive and negative consequences - “unretiring”. Clark discusses a different way to think about retirement that can help ease the transition for many.
Property Taxes: Segment 1
Ask Clark: Segment 2
Tiered Retirement: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark's Christmas Kids 2024
What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster
Amortization Calculator and Schedule - Clark Howard
What Is Term Life Insurance?
Best Term Life Insurance Companies, Plans & Coverage
How To Buy Term Life Insurance in 7 Easy Steps
Thinking About Unretiring? You’re Not Alone
Is It a Good or Bad Idea To Buy a Rental Car?
Clark.com resources
Episode transcripts
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09/12/24•32m 37s
12.06.24 Clark Answers His Critics on Clark Stinks / 401(k) Savings - 2025
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time.
Clark Stinks: Segments 1 & 2
401(k) Super Catch-Up Provision: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why I Think Medicare Advantage Plans Stink - Clark Howard
The American College of Trust and Estate Counsel: ACTEC
What To Do if Your Flight Is Delayed or Canceled
Older Workers Can Now Supersize Their 401(k) Savings - WSJ
401(k) Calculator (Clark.com)
Roth vs. Traditional 401(k): What's the Difference?
What Is a Solo 401(k) and How Does It Work?
5 Sneaky Ways To Improve Your Credit Score
Journal of the American Medical Association
The New England Journal of Medicine | Research & Review
The Lancet | The best science for better lives
Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic
Clark's Christmas Kids 2024
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Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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06/12/24•34m 25s
12.05.24 Update: Series I Savings Bonds / A Warning About Fidelity
Since the earnings rate on I Bonds changes every six months - Clark has updated advice for savers. Also - Clark’s “three favorite children” in the financial world, Vanguard, Schwab and Fidelity, aren’t perfect, and he calls them out where needed. At the moment, there’s an issue with Fidelity that investors need to know about.
Series I Savings Bonds: Segment 1
Ask Clark: Segment 2
Fidelity Investments: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark's Christmas Kids 2024
6 Things To Know About Series I Savings Bonds
Why Clark Says It’s Time To Dump I Bonds
17 of the Best High-Yield Online Savings Accounts in November 2024
Best Prepaid Cards: Top Debit Card Alternatives
Fidelity And Ex-Advisor Agree to End Lawsuit Over High-Fee Investments
How To Open a Roth IRA
Fidelity Investments Review: Pros & Cons
The Best Places To Buy Hearing Aids (Clark.com)
Clark.com resources
Episode transcripts
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05/12/24•33m 32s
12.04.24 Buying Advice: Big Screen TVs / How Companies Can Be More Profitable
If you’re in the market for a giant screen TV this holiday season - Clark’s got news to help you Save More. Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable.
Big Screen TVs: Segment 1
Ask Clark: Segment 2
Employer Enlightened Self-Interest: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Deals - TVs
Are Online ESA Letters Legitimate?
Even large corporations should consider employee ownership. Here’s why
Should I Refinance My Car Loan? 4 Questions To Ask Yourself
Clark Howard's Simple Rule for Refinancing an Auto Loan
How To Refinance a Car Loan: A Step-by-Step Guide
Auto Loan Refinance Calculator - Clark Howard
How To Open a Roth IRA
Clark.com resources
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04/12/24•31m 39s
12.03.24 Homeowners Insurance Check-Up / Safe Charitable Giving
Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure your charity dollars are used effectively.
Update: Homeowners Insurance: Segment 1
Ask Clark: Segment 2
Safe Charitable Giving: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is Homeowners Insurance?
How Much Homeowners Insurance Do I Need?
Homeowners Insurance Archives - Clark Howard
What Is a C.L.U.E Report and Its Impact on Your Insurance
How Often Should You Re-Shop Insurance?
Clark's Take: Should You Invest in Stocks at All?
INVEST & RETIRE - Clark
How To Choose the Best Charities for Your Donations (Clark.com)
Best 2% Cash Back Credit Cards: 9 Options in 2024
Cash Back Credit Card Calculator Tool
Should You Buy an Extended Warranty on Your Car?
Clark.com resources
Episode transcripts
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03/12/24•29m 9s
12.02.24 SAVE On Domestic Airfare / Amazon Health Services
Clark has new advice for booking domestic flights and the new airline rule on refunds figures into the way you should now search for fares. Also in this episode, Amazon is expanding their medical offerings. Clark has some experience using Amazon health services and shares his insights into this option.
One Way Flight Search: Segment 1
Ask Clark: Segment 2
Amazon Medical Care: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Save Money With Google Flights
The Best Day and Time to Book a Cheap Flight
What's the Best Way To Send Money Overseas?
Best Credit Cards With No Foreign Transaction Fees in 2024
The No Surprises Act's Prohibitions on Balancing Billing
Clark's Christmas Kids 2024
Clark.com resources
Episode transcripts
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02/12/24•31m 49s
11.29.24 BEST OF: Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel
Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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
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29/11/24•36m 0s
11.27.24 BEST OF: Americans Need To SAVE MORE / Physical Health - Fiscal Health
Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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
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27/11/24•35m 27s
11.26.24 BEST OF: Saving For College: 529 Plan Update / Upside Down Car Loans
Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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
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26/11/24•31m 36s
11.25.24 BEST OF: The Fate Of Traditional 401(k)s & IRAs / Carry On Karma Vs Baggage Fees
Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also, 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
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
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25/11/24•33m 28s
11.22.24 Clark Answers His Critics on Clark Stinks / Technology, Productivity & Jobs
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, everyone said the touchscreen ordering systems at places like McDonalds were going to cost jobs, but have they? Clark shares some interesting findings and historical perspective on how technology affects jobs.
We’re off Thanksgiving week but will post some favorite episodes. If you’re shopping deals, make sure you’re subscribed to our Clarkdeals.com newsletter. The team will update deals all week, with the exception of Thanksgiving day. Happy Friday and enjoy the holiday!
Clark Stinks: Segments 1 & 2
Robotics, Efficiency & Jobs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Money Lessons From Clark Howard's Trip to Europe
Changing Jobs? Don't Make This Costly Retirement Mistake
What Can I Safely Use for Peer-to-Peer Payments?
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure
Best Free Password Managers: 10 Top Picks
5 Tips To Protect Your Digital Privacy
Safe Browser Alternatives That Promise Not To Track You
Why You Should Never Use a Debit Card To Pay for Anything
Clark.com resources
Episode transcripts
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22/11/24•37m 38s
11.21.24 Shopping Season - Return Policies / Got Credit Card Debt?
We’re one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you.
Return Policies: Segment 1
Ask Clark: Segment 2
Credit Card Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Phone Plan Finder – Find and Compare Phone Plans - Clark.com
Budgeting Basics: What You Need To Know To Get Started
Best Budgeting Apps in 2024: Our Top 5
Budgeting & Saving Archives - Clark Howard
The Best Place To Buy a Mattress
How Can I Get Rid of My Old Mattress Cheaply?
Should I Freeze My Credit With the Other Credit Bureaus?
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Best 529 College Savings Plans By State
Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
Clark.com resources
Episode transcripts
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Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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21/11/24•34m 13s
11.20.24 Holidays Deals With Charis! / 2025 Investment Predictions
Today, a special guest joins the show - Charis from our ClarkDeals team shares the best deals of the holiday season and what to look out for. Also today, Clark lends perspective on post election confusion around the stock market right now.
Holiday Deals: Segment 1
Ask Clark: Segment 2
Direction For Investors: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CLARK DEALS
How To Find Cheap Flights in 3 Easy Steps
Best 529 College Savings Plans By State
NYTimes: Even at a Time Like This, Slow and Steady Works in the Stock Market
Invest & Retire - Clark.com
Southwest Airlines $500 Email Delivery Gift Card
Southwest Airlines: $500 eGift Card
Credit Card Car Rental Insurance: What You Need To Know
Is a HELOC a Good Idea? The Simple Answer
HELOC vs. Home Equity Loan: Similarities and Differences
Clark.com resources
Episode transcripts
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20/11/24•31m 52s
11.19.24 Decision: Renting Vs Buying A Home / Long Term Care Insurance
Buying a home vs renting is a tougher decision these days, with several factors and new considerations to keep in mind. Also in this episode, since the long term care insurance industry is broken and financially prohibitive in its present collapsed state, how do you prepare for the assistance you may need in old age?
Renting Vs Buying A Home: Segment 1
Ask Clark: Segment 2
Long Term Care: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Online Banks: Free Checking and High-Interest Savings Accounts
Are You Actually Earning Cash Back on Groceries With Your Credit Card?
Capital One Shakes Up Its 'Savor' Line of Credit Cards
They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead
How Do You Prepare for the Likelihood of Long-Term Care Costs?
Living Will and Durable Power of Attorney: Frequently Asked Questions
CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024
What's the Cheapest Way To Replace a Lost Vehicle Key Fob?
3 Ways To Get a Free VIN Check Before Buying a Used Car
Clark.com resources
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19/11/24•33m 22s
11.18.24 A Better Way To Save For Retirement / Living Paycheck-To-Paycheck
Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle.
Solving Saving For Retirement: Segment 1
Ask Clark: Segment 2
The Marginal Propensity To Consume: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark.com - INVEST & RETIRE
The dangers of underestimating your retirement
Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros
Best Financial Advisors in 2024
Vanguard Personal Advisor Review
What to Do When You're Being Harassed About an Old "Zombie Debt"
10 Ways To Save on Prescription Drugs
Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
Best 529 College Savings Plans By State
Clark.com resources
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18/11/24•36m 22s
11.15.24 Clark Answers His Critics on Clark Stinks / Three Common Scams
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the percentage of people being taken by scams continues to rise. Know how to recognize the common themes in prevalent scams right now in order to better protect yourself.
Clark Stinks: Segments 1 & 2
Scam Recognition-Prevention: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Consumer Reports: Best Most Reliable Used Cars
Roth vs. Traditional 401(k): What's the Difference?
How To Open a Roth IRA
What Is a Fiduciary Financial Advisor and Do I Need One?
Should You Ever Book a Nonrefundable Hotel Room?
What Is Umbrella Insurance and Do You Need It?
Why You Need To Re-Shop Your Car Insurance Right Now
Hang up on unwanted calls about loans
Is that gift card helping your congregation or paying a scammer?
Did you get a call or email saying you missed jury duty and need to pay? It’s a scam
Americans can now renew passports online and bypass cumbersome paper applications
Submit a complaint | Consumer Financial Protection Bureau
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15/11/24•39m 23s
11.14.24 Your Online Privacy / Good News For Car Buyers
It’s important to protect your privacy online and there are some simple things you can do to stop the sharing of your data when visiting websites. Also, Clark shares news on the state of the auto industry, and what it means for car buyers.
Protecting Online Privacy: Segment 1
Ask Clark: Segment 2
Auto Industry Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Safe Browser Alternatives That Promise Not To Track You
Want To Guard Your Privacy Online? Search the Web With DuckDuckGo
7 Things To Know Before You Use Zelle
Safer Ways To Send Money
When Should You File a Claim on Your Homeowners Insurance?
6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster
Should I Convert a Traditional IRA to a Roth IRA? - Clark.com
How To Buy a Used Car - Clark.com
Clark.com resources
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14/11/24•30m 28s
11.13.24 Amazon & Walmart Deals / The Power of Positive Thinking
Amazon and Walmart are retail behemoths in a market share fight, and Clark shares 2 new ways you can benefit, including a discount deal on gas. Also today, how much does mindset play into your success at work? More than you think!
Amazon & Walmart+: Segment 1
Ask Clark: Segment 2
Positivity - It Really Works: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Amazon Prime introduces a new benefit to save on gas
USA TODAY: Walmart unveils Black Friday plans: When customers can expect deals
Amazon targets Aldi and Target with a new lineup of ‘no-frills’ groceries
How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees
Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels
Phone Plan Finder – Find the Best Plan For You - Clark.com
Cash Back Credit Card Calculator Tool / Clark - CALCULATORS
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13/11/24•34m 39s
11.12.24 Sandwich Generation Challenges / Holiday Air Travel
Are you a part of the sandwich generation, caring for children and parents at the same time? Clark talks about the unique challenges involved, and ways to prepare if you foresee this often difficult squeezeplay in your future. Also today, as we move into the winter weather holiday travel season, Clark shares strategies for dealing with delayed or canceled flights.
The Sandwich Generation: Segment 1
Ask Clark: Segment 2
Holiday Flight Tips: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Clark-Approved Way To Invest in Real Estate
Roth vs. Traditional 401(k): What's the Difference?
How and When To Refinance Your Mortgage: A Step-By-Step Guide
How To Improve Your Credit Score in 5 Key Areas
The Best Ways To Protect Yourself Against Airline Cancellations
FlightAware - Flight Tracker / Flight Status
AutoSlash Review: How To Save on a Rental Car
Car Rental – Search, Compare & Save
5 Things to Know About the Costco Car Rental Program
Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card
Travel Insurance: What You Need To Know Before You Buy
InsureMyTrip Review: Why We Like It and How to Use It
How To Pack a Carry-On the Right Way
4 Things You Should Always Pack in Your Carry-On
Clark.com resources
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12/11/24•33m 18s
11.11.24 Robo Advisor Or Financial Planner? / Why Clark Hates Rent Control
A Special Veterans Day Thanks To All Who Have Served, Past, Present and Future.
Today Clark goes back to basics, explaining how to determine if a robo advisor or a financial planner is best for you. Also, how rent control can distort a market and limit housing supply.
Investment Advisors: Segment 1
Ask Clark: Segment 2
Rent Control: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Who Should Use a Robo-Advisor? (Clark.com)
Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor (Clark.com)
Robo-Advisors - Clark.com / 5 Best Robo-Advisors in 2024
What Is a Fiduciary Financial Advisor and Do I Need One?
How Much Does a Financial Advisor Cost?
Best Financial Advisors in 2024
What’s the Best Place To Get Investing Advice From an Advisor if I Have Limited Assets?
3 Places You Should Never Invest Your Money
Stripe, Inc. | Better Business Bureau® Profile
Good2GoMobile / CELL PHONES - Clark.com
Phone Plan Finder – Find the Best Plan For You - Clark.com
Military and Veterans Guide: Free Resources for Your Finances
25+ Places That Offer Discounts to U.S. Veterans
Clark.com resources
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11/11/24•34m 3s
11.08.24 Clark Answers His Critics on Clark Stinks / Man On The Street Retirement Survey
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark shares insights from his man on the street retirement survey. Hear the questions he put to those surveyed and see how your answers compare.
Clark Stinks: Segments 1 & 2
What Clark’s Retirement MOTS Survey Reveals: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Walmart+ Membership Program: 4 Things To Know
These Are the Credit Cards in Clark Howard's Wallet
My 7 Rules for Using Credit Cards - Clark Howard
Roth vs. Traditional 401(k): What's the Difference?
Changing Jobs? Don't Make This Costly Retirement Mistake
Should You Rollover Your 401(k) to a New Employer? How To Make the Right Decision
What Should I Do With My 401(k) at My Old Company?
What Is a Flexible Spending Account?
Clark.com resources
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08/11/24•36m 22s
11.07.24 Are You “Doom Spending”? / Be Your Own Health Advocate
A trend among young adults economists call “doom spending” is of concern. Clark addresses why this is happening and offers a different perspective. Also today - why it’s so important to be an advocate for yourself when it comes to your health, and Clark is living proof.
Costly Pessimism: Segment 1
Ask Clark: Segment 2
YOU Are Your Best Health Advocate: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should You Ever Lease a Car?
CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024
How To Find a Trustworthy Mechanic
We Tried to Shop Our Way to Cheaper Car Insurance. It Didn’t Work.
How to Shop for Lower Car Insurance - Clark.com
Car Insurance Archives - Clark Howard
Axios: AI fuels cancer breakthroughs
Future of Health | Medical & Healthcare News
Roth vs. Traditional 401(k): What's the Difference?
Clark.com resources
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07/11/24•35m 28s
11.06.24 Behind Those Pharmaceutical Ads / Mortgage Payment Strategy
TV viewers endure an unrelenting barrage of pharmaceutical ads. A recent study reveals information about these ads that every consumer needs to know, plus hear Clark’s recommendation for vetting medicines. Also, mortgage holders with high interest rates are waiting to refinance, but there’s another payment strategy that can save you big bucks over time.
Drug Ad Deceptions: Segment 1
Ask Clark: Segment 2
Mortgage Pay Down Method: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
With TV Drug Ads, What You See Is Not Necessarily What You Get
Price-Matching Policies at Walmart, Target and Other Top Stores
How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees
Use These Tips To Pay Off Your Mortgage Early
Mortgage Calculator with Extra Payments / Calculators - Clark Howard
What Are Index Funds?
Investing & Retirement Archives - Clark Howard
Clark.com resources
Episode transcripts
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06/11/24•32m 27s
11.05.24 Shrinkflation: The Marketplace Speaks / Job Interviewing 101
Today - remember shrinkflation? It’s not entirely over but some manufacturers have heard the complaints and are changing course. Also - There are sundry reports these days about post-pandemic young workers having difficulty landing jobs and adapting to new work places. Job interviews have changed and it’s vitally important to understand the basics of how to prepare and conduct yourself during an interview for employment.
Shrinkflation Reversal: Segment 1
Ask Clark: Segment 2
Job Interview Knowhow: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
HELOC vs. Home Equity Loan: Similarities and Differences
Used Clean Vehicle Credit | Internal Revenue Service
Not using these job interview tips can reduce your chances of getting that job
The 10 most common job interview questions & how to answer them
Video Interview Tips: How To Prepare
Do I Need To Accept U-Haul Insurance When Renting a Moving Truck?
Should You Get a Store Credit Card?
Clark.com resources
Episode transcripts
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05/11/24•32m 38s
11.04.24 INVESTING Update / Just Say NO To These Two Payment Plans
The stock market is overvalued these days so many are concerned about a coming correction or bear market. Hear Clark’s take on how best to move forward with your investment goals. Also today, two ways of paying for items over time that Clark wholeheartedly does NOT recommend.
Clark Smart Investing: Segment 1
Ask Clark: Segment 2
2 Payment Schemes To Avoid: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Investing & Retirement Archives - Clark Howard
Warning: How To Avoid Buying a Flood-Damaged Car
Lemon laws: These states do the best job protecting consumers in new car purchases
Chase Credit Cards Will No Longer Be an Option for These Payments
Why 'Buy Now, Pay Later' Worries Clark Howard
When does a 0% purchase plan make sense for you?
Best Credit Cards With No Foreign Transaction Fees in 2024
The Platinum Card® from American Express Review 2024: Is It Worth It?
BBB-File a Complaint
Is One Medical Membership for Prime Members Better Than a Health Concierge?
Should You Buy Gold at Costco?
Warning: How You Should NOT Buy Gold
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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04/11/24•34m 7s
11.01.24 Clark Answers His Critics on Clark Stinks / SAVE MORE on Food Costs
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark compares the cost of food prepared at home vs eating out. New data on total meal spending shows where we can save more on overall food costs.
Clark Stinks: Segments 1 & 2
Save On Food Costs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
401(k) Rollover: How To Roll Over a 401(k)
How Much of Each Paycheck You Should Save or Invest
10 Ways To Save on Prescription Drugs
Android’s theft protection features keep your device and data safe
7 Places to Get the Best Deals on Lab-Created Diamonds
The Best Time and Place To Buy an Engagement Ring
USDA Food Plans: Monthly Cost of Food Reports
What You Need To Do if Your Phone Gets Lost or Stolen
Credit Karma Review: Free Credit Score and More at Your Fingertips
Clark.com resources
Episode transcripts
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______________________________________________________________
Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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01/11/24•36m 9s
10.31.24 Cross-Training In Company Culture / Skilled Trades For The Win
Home Depot is doing something that all employers should do. Clark talks about what distinguishes a winning corporate culture. Also today, Help Wanted: electricians, plumbers, CPAs, air traffic controllers, police officers and more. Clark shares opportunities for employment that empower workers to create financial security and personal wealth.
Employers Should Know: Segment 1
Ask Clark: Segment 2
Employment Opportunities: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
AutoSlash Review: How To Save on a Rental Car
SIXT rent a car | Premium Car Rental & Top Deals Worldwide
4 Things You Should Always Pack in Your Carry-On
How to Freeze Your Child's Credit
How To Build Your Credit Score from Scratch
How To Open a Roth IRA
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
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31/10/24•34m 2s
10.30.24 Saving For College - 529 Plans / Auto Insurance Update
Clark discusses the societal changes in how college costs are trending now, the existing burden of student loan debt, and the best way to save in a 529 Plan. Also today, Clark has news on the car insurance front. The cycle has turned. Brace for good news and know how to make the most of it.
How To Choose A 529 Plan: Segment 1
Ask Clark: Segment 2
Auto Insurance Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best 529 College Savings Plans By State
How To Save Money With Google Flights
Roth vs. Traditional 401(k): What's the Difference?
How to Shop for Lower Car Insurance (Clark.com)
How Can I Find Out Why My Credit Score Just Dropped?
What Is a Good Credit Score?
Clark.com resources
Episode transcripts
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30/10/24•33m 51s
10.29.24 The Debt Trap / Best Used Car Deals
Not only does carrying the burden of debt create an enormous amount of stress, but a new poll shows that it affects so much more. Clark discusses how it can even affect your career mobility. Also, Clark talks about the best deals in reliable used cars right now.
Debt Paralysis: Segment 1
Ask Clark: Segment 2
Best Deals In Used Cars: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Debt Archives - Clark Howard
Should You Ever Book a Nonrefundable Hotel Room?
Your Guide to DIY Home Security Systems
What's the Best Way To Send Money Overseas?
Best Credit Cards With No Foreign Transaction Fees in 2024
How To Buy a Used Car (Clark.com)
Gablok : the story of an insulated block
Clark.com resources
Episode transcripts
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Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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29/10/24•29m 19s
10.28.24 Debit Card Risks / Options For Lower Cost Prescriptions
Yesterday Clark talked about using credit cards responsibly to your advantage. Today Clark discusses why he refers to the debit card as a “piece of trash fake Visa”. Know the risks of debit card use. Also - The big pharmacy chains are closing hundreds of stores, and Clark wants to make sure you’re aware of another option for lower cost prescriptions that’s also convenient.
Piece Of Trash That Burns Your Cash: Segment 1
Ask Clark: Segment 2
Rx For Less: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Victim of fraud? Protections are different for debit, credit cards.
Do Debit Cards Still Stink in 2024?
The Safer Way To Use Your Debit Card
Why Clark Is Prepared To Break His 'No Debit Cards' Rule
HELOC vs. Home Equity Loan: Similarities and Differences
Home Equity Loan Calculator - Clark Howard
Hello Mobile Review: 5 Things To Know Before You Sign Up
The Best Talk & Text Only Phone Plans (No Data)
Phone Plan Finder – Find the Best Plan For You - Clark.com
Best Phone Plans: Get Exactly What You Want at the Cheapest Price
10 Ways To Save on Prescription Drugs (Clark.com)
Warning: One Way You Should Almost Never Fill Prescriptions
How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications?
Here's How Long Your Home Appliances Should Last
Homeowners Insurance Archives - Clark Howard
Clark.com resources
Episode transcripts
Community.Clark.com
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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28/10/24•26m 38s
10.25.24 Clark Answers His Critics on Clark Stinks / What’s In Clark’s Wallet?
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, there’s a market share war with credit card companies. Competition is hot. So how do you choose? Clark has updated his cards and offers a new tool to help you choose the best credit cards for you.
Clark Stinks: Segments 1 & 2
Clark Smart Credit Cards: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Do Not Give Your Social Security Number at These Places
5 Big Travel Updates Clark Wants You To Know
ETIAS News & Information For Visitors Coming To Europe
Best Free Password Managers: 10 Top Picks
Do You Know How Much Cash Back You’re Getting?
Cash Back Credit Card Calculator Tool (Clark.com)
My 7 Rules for Using Credit Cards - Clark Howard
Clark Says This Credit Card Mistake Is Like Chasing 'Fool's Gold'
Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases
Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
Capital One Venture X Rewards Credit Card: 6 Things To Know in 2024
Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card
New unlimited 2% cash back credit card: Navy Federal cashRewards Plus Card
Best Airline Credit Cards for 2024: Are They Right For You?
Clark.com - Hearing Aids
What's the Best Way To Send Money Overseas?
5 Money Tips To Know Before You Travel Abroad
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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25/10/24•38m 28s
10.24.24 How To Use Payment Apps Safely / Credit Card Receipt Signatures - Why?
Shopping season is upon us and the use of payment apps is commonplace, but more fraud protections are needed. Know the safest way to use these apps including Venmo, Zelle, Cash App & PayPal. Also, when using credit cards, though it hasn’t been required in years, many retailers still have you sign the receipt. Clark has a good idea why that’s happening.
Payment App Precautions: Segment 1
Ask Clark: Segment 2
Credit Card Receipts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Can I Safely Use for Peer-to-Peer Payments?
6 Things To Know About Series I Savings Bonds
What Clark Says You Should Do With Your I Bonds This Year
6 Things to Know About Refinancing Your Mortgage
What Is a Fiduciary Financial Advisor and Do I Need One?
Best Financial Advisors in 2024
How Much Does a Financial Advisor Cost?
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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24/10/24•33m 39s
10.23.24 Convenience Store Rankings / America’s Entrepreneurial Wave
Independent retail chains selling gas and food are becoming an economic force benefiting consumers. So what are the best convenience store chains in the nation? Clark delivers new rankings from the American Customer Satisfaction Index. Also today - One reason the U.S. economy is faring better than most other developed economies in the world is American entrepreneurship. Covid era startups have created over 7 million American jobs. Clark speaks to the potential entrepreneur in you!
Convenience Stores Vs Gas Stations: Segment 1
Ask Clark: Segment 2
New Businesses Fuel Economy: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Are Unrealized Gains and Losses?
How To Buy a Used Car
How to Buy a New Car in 5 Steps
Roth vs. Traditional 401(k): What's the Difference?
National Academy of Elder Law Attorneys (NAELA)
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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23/10/24•36m 44s
10.22.24 SCAM WARNING: Fake Credit Card Text Alerts / SAVE On Eating Out
Our Consumer Action Center is getting a lot of calls about a growing text message scam that appears to be from your credit card company. Know how to spot it so you don’t get taken. Also, Clark shares some ways restaurants at all levels are exploring ways to cut costs. Know what to look for to save more on dining out, including smaller portions for less money.
Credit Card Text Scams: Segment 1
Ask Clark: Segment 2
SAVE MORE Eating Out: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Scam: Think Twice Before You Respond to This Credit Card Alert
Home Title Lock: Is It the Same As Home Title Insurance?
What Is Owner's Title Insurance and Do You Need It?
Costco Travel: 5 Things To Know Before You Book
Travel Insurance: What You Need To Know Before You Buy
Axios: Diamond math
What Does a Home Warranty Cover and Is It Worth The Money?
Clark.com resources
Episode transcripts
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22/10/24•29m 57s
10.21.24 Clark Rage: Mandatory Arbitration / What’s Better Than A Roth?
Today’s mandatory arbitration abuses trace back to a law passed a century ago, repeatedly upheld to deny citizens their right to a day in court. Clark shares yet another case in point. Also in this episode- open enrollment is an opportunity to choose among health care plans which offer one of Clark’s favorite tools for long term financial security. Should you opt for an HSA - Health Savings Account?
Mandatory Arbitration: Segment 1
Ask Clark: Segment 2
The Case For HSAs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How Long Should I Save Pictures of My Car Rental?
Military and Veterans Guide: Free Resources for Your Finances
Where Should I Set Up My Health Savings Account (HSA)?- Clark.com
What Is an HSA Account and How Does It Work?
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year?
Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
Refunding Fees for Delayed Checked Bags and Ancillary Services
File a Consumer Complaint | US Department of Transportation
Elliott Report: Home
What Luggage Does Clark Howard Recommend?
4 Things You Should Always Pack in Your Carry-On
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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21/10/24•31m 9s
10.18.24 Clark Answers His Critics on Clark Stinks / Cell Phone Theft Or Loss
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, criminal rings are heavily engaged in cell phone theft now, and they’re after your financials. Know what to do before, and after the loss or theft of your cell phone - just in case.
Clark Stinks: Segments 1 & 2
Cell Phone Theft: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best Investment Companies for Investors in 2024
Mortgages Archives - Clark Howard
4 Things To Know Before You Buy a Digital TV Antenna
How To Watch Local Channels Without Cable
What Should You Do if Your Insurance Claim Is Denied?
What Is Umbrella Insurance and Do You Need It?
One Tech Tip: Here’s what you need to do before and after your phone is stolen or lost
SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
Clark.com resources
Episode transcripts
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18/10/24•32m 11s
10.17.24 Flood Insurance / Remote Work Scams & Legit WFH Jobs
With the recent hurricanes, wildfires, and other natural disasters around the country, Clark has specific advice for home buyers. Also today, as remote work scams proliferate, learn more about how to find legitimate work from home.
Flood Insurance: Segment 1
Ask Clark: Segment 2
Legit WFH Jobs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NATIONAL FLOOD INSURANCE PROGRAM
Zillow will now show climate risk data on home listings
Will Your House Flood? We Ask the Experts
When Hurricane Helene hit, this disaster-proof Florida neighborhood kept the lights on
Roth vs. Traditional 401(k): What's the Difference?
BBB-File a Complaint
The six-figure hybrid jobs that are most in-demand
Legitimate Work From Home Jobs – How to Find Them (Clark.com)
These Companies Are Hiring for Partially Remote Jobs
Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
Clark.com resources
Episode transcripts
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17/10/24•38m 16s
10.16.24 Oil & Gas Price Outlook / Medicare Open Enrollment
Today, Clark discusses what’s going on with U.S. oil prices from a global perspective, in light of potentially escalating conflicts in the Middle East. Also, Medicare open enrollment is underway. With all the upheaval with Advantage plans this year, it’s more important than ever to understand the changes in your plan, and compare your options. Clark has a valuable resource to help you make the best choice.
Oil & Gas Prices: Segment 1
Ask Clark: Segment 2
Medicare DisAdvantage Plans: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Does the Brand of Gasoline Really Matter?
Phone Plan Finder – Find the Best Plan For You - Clark.com
Consumer Reports -We've Lab-Tested Hundreds of Refrigerators. These Are the 12 Best Fridges of 2024.
Medicare Advantage giant Humana reels after ratings cut
SHIP State Health Insurance Assistance Program - Navigating Medicare
Where You Should Never Buy Travel Insurance for a Cruise
Travel Insurance: What You Need To Know Before You Buy
InsureMyTrip Review: Why We Like It and How to Use It
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
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16/10/24•36m 6s
10.15.24 Retail Perils - Overcharged & Store Cards
Vigilance shoppers - With the holiday season already underway, sales are coming and going faster, increasing the likelihood of being overcharged - which happens more often than you might think. Clark has tips on how it pays to pay attention. Also today in retail peril - why you DON’T want to save 10% on your purchase if you apply for a store card.
Overcharged At Checkout: Segment 1
Ask Clark: Segment 2
Retail Store Cards: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
5 Reasons Sam's Club Is Better Than Costco
Housing market hack: How this family just got their dream home at a 2.5% mortgage rate
Subordinated Debt: What It Is, How It Works, Risks
How To Open a Roth IRA
What Brokerage Do You Recommend for First-Time Investors or Kids?
6 Tips to Teach Teenagers About Money
401k Fees: How Much is Too Much?
Fidelity Investments Review: Pros & Cons
Retail credit card interest rates reach record high
Should You Get a Store Credit Card?
Cash Back Credit Card Calculator Tool
Clark.com resources
Episode transcripts
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Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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15/10/24•31m 54s
10.14.24 Consumer Warning: Booking Travel / How To Shop Prescriptions
In the news we’re seeing stories of travelers stranded and out thousands of dollars, because of the way they booked flights and hotels. Clark explains how to avoid this trap when making your travel plans. Also today, why PBMs - the prescription benefits managers included in many employer insurance programs - are often more costly than self-paying for meds. Clark gives you ways to save more on prescriptions.
Warning - Fake Travel Agencies: Segment 1
Ask Clark: Segment 2
How To Shop Prescriptions: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Travel Archives - Clark Howard
5 Big Travel Updates Clark Wants You To Know
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
FTC sues drug middlemen for allegedly inflating insulin prices
Warning: One Way You Should Almost Never Fill Prescriptions
10 Ways To Save on Prescription Drugs
Will Mark Cuban's Prescription Company Really Save You Money?
Raisin Review: Can You Trust This Online Savings Marketplace?
Clark.com resources
Episode transcripts
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14/10/24•31m 38s
10.11.24 Clark Answers His Critics on Clark Stinks / Real ID & Passport Renewal
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also travelers, Clark has new info on Real ID requirements, electronic driver’s licenses and a great new way to renew your passport.
Clark Stinks: Segments 1 & 2
New Travel Document Options & Requirements: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The best deals on TVs available now
Credit Score Guide
How To Dispute an Error on Your Credit Report and Win
How To Cancel & Get Rid of PMI Earlier
Report: 5 Best Hotel Rewards Programs for 2024
European travelers will have to pay to enter the UK in 2025
Should I Create an E-Verify Account To Lock My Social Security Number?
Do Not Give Your Social Security Number at These Places
How To Send a 'Drop Dead' Letter to a Collection Agency
What Is an Annuity, and Why Does Clark Think They Stink?
Certificate of Deposit (CD): What Is It, Best Places To Open One
Clark.com resources
Episode transcripts
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Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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11/10/24•37m 3s
10.10.24 Safe Saving: An FDIC Update / The Risks Of Seller Financed Mortgages
Today, Clark has an update from the FDIC in the aftermath of the recent fintech meltdown, including the dangers of “blended banking” and how to spot fake savings account offers. Also - if you are in the market for a house, you may see offers for land contracts or seller financing. Know the downsides of alternative rent-to-own type mortgages
Protections For Savers - An FDIC Update: Segment 1
Ask Clark: Segment 2
Beware Lease Purchase Type Home Offers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The FDIC Is From the Government and Really Is Here to Help
17 of the Best High-Yield Online Savings Accounts in October 2024
Experian Insurance Marketplace
NYTimes: A Mortgage Alternative for Lower-Priced Homes Comes With Risks
NYTimes: Consumer Agency Cracks Down on Seller-Financed Home Sales
Clark.com resources
Episode transcripts
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10/10/24•31m 31s
10.09.24 Becoming A Millionaire - It CAN Happen / A New Tip For Avoiding Fraud
Who wants to be a Millionaire? Clark discusses how this level of financial security can be within reach - even for those earning average pay. Also today - given the monumental scope of data breaches, in addition to task number one: freezing your credit - Clark has another tip for securing your identity. We all need to batten down the hatches, and Clark shares an important step to help you do just that.
Becoming A Millionaire: Segment 1
Ask Clark: Segment 2
Secure Your Identity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
[The Washington Post] The 401(k) millionaires club hit a new record. What’s their secret?
How To Use an IRA To Become a Millionaire
How To Retire a Millionaire With a 401(k) Plan in 19 Years
401(k) Calculator // Saving and Investment Calculator
Savings Table – By Rate of Return // Savings Table – By Years
Target Date Funds: Clark's Favorite Retirement Investment
Roth vs. Traditional 401(k): What's the Difference?
3 Places You Should Never Invest Your Money
What Is a Backdoor Roth IRA?
Backdoor Roth IRA: Advantages and Tax Implications Explained
What Are Index Funds? / What Is an ETF?
Why You Need To Go Through Your Online Accounts
Use Password Checkup - Guidebooks with Google
Elliott Report: Home
Clark.com resources
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09/10/24•36m 22s
10.08.24 An Honest Conversation About Death and Finance With Jonathan Clements
On today’s Special Edition, Clark welcomes longtime friend and colleague, Jonathan Clements.
A London born, Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" and seven other books. His vast experience and contributions include serving as financial education director and teacher in various capacities, and as the personal finance columnist for The Wall Street Journal.
Mentioned on the show:
HumbleDollar: Home
Humble Dollar - The C Word
NY Times - A Money Guru Bet Big on a Very Long Life. Then He Got Cancer.
Washington Post - Opinion Living was easy. Dying is harder.
Living Will and Durable Power of Attorney: Frequently Asked Questions
Wills & Funerals Archives - Clark Howard
Have a Kid in College? You Need These Legal Documents in Place
Clark.com resources
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08/10/24•37m 49s
10.07.24 Health Insurance Claim Denied - Appeal / HOA Pros & Cons
Recently Clark discussed how appealing auto insurance claims can lead to big savings. The same holds true for health insurance - and now there’s a tool to help you make a successful appeal of a denied claim. Also today, HOAs can be very controversial. Clark shares a story with a lesson about a ridiculous action by an aggressive HOA.
Appeal Health Insurance Denials: Segment 1
Ask Clark: Segment 2
HOA Pros & Cons: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Should You Do if Your Insurance Claim Is Denied?
Fight Health Insurance uses AI to appeal claim denials
How to Freeze Your Child's Credit
How Can I Make Freezing a Young Person's Credit Less Risky?
[The Washington Post] To beat the heat, an Arizona man offers free water. His HOA is fining him.
How To Buy a House in 9 Steps
Who Should Consider Setting Up a Trust?
Should You Sell or Stay Put in the Stock Market?
Clark.com resources
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07/10/24•32m 6s
10.04.24 Clark Answers His Critics on Clark Stinks / Automated Vehicle Safety
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, many people are wary of increasing automation in vehicles, but there’s a vital upside to this new technology.
Clark Stinks: Segments 1 & 2
Automated Vehicle Safety: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Big Change to the Sam's Club Rewards Program
Why Clark Is Prepared To Break His 'No Debit Cards' Rule
What Is Umbrella Insurance and Do You Need It?
Clark,com - CELL PHONES
401k Fees: How Much is Too Much?
Liability vs. Full Coverage: Which Auto Insurance Do You Need?
Cars talking to one another could help reduce fatal crashes on US roads
Should I Create an E-Verify.gov Account To Lock My Social Security Number?
Clark.com resources
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04/10/24•33m 20s
10.03.24 How To Shop A Mortgage / Dementia Prevention & Treatment Strides
Mortgage rates are a main concern for prospective home buyers, but Clark has other important considerations that make a huge difference in how much you’ll pay over time. Also, according to the Journal of Alzheimer’s Association, in addition to being the fourth largest cause of death for people age 70 and older in the U.S., dementia costs an estimated $80 billion per year. The good news is - there are preventative steps we can all take.
Shopping A Mortgage: Segment 1
Ask Clark: Segment 2
Preventing Dementia: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Get a Mortgage in 8 Steps
How To Buy a House in 9 Steps
Find and dispute errors on your credit report
Submit a complaint | Consumer Financial Protection Bureau
Dementia risk factors preventable – addressing them could reduce dementia rates by 45%
The Best Places To Buy Hearing Aids
How to Freeze Your Child's Credit
How To Spot, Avoid, and Report Fake Check Scams
Clark.com resources
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03/10/24•33m 37s
10.02.24 AirTag & Tile Tracking Devices / Energy Production In The U.S.
Did you hear about the clever woman who sent an AirTag to herself to catch a mail thief? These devices are proving handy for a lot of reasons. Also, what is the best energy source we have in the United States? That’s a trick question. Clark explains.
Tracking Devices: Segment 1
Ask Clark: Segment 2
American Power Production: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
California woman fed up with stolen mail sends Apple AirTag to herself to catch thief
Best 529 College Savings Plans By State
What To Do With a Lump Sum, Inheritance or Windfall
What Are Index Funds?
10 Ways To Save Money on Car Insurance
WSJ: More Th an 40% of World’s Electricity Came From Zero-Carbon Sources in 2023
How To Get a Free Credit Report / How To Monitor Your Credit
Credit Karma Review: Free Credit Score and More at Your Fingertips
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Should You Make Your Child an Authorized User on Your Credit Card?
How To Buy a Used Car
Clark.com resources
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02/10/24•32m 34s
10.01.24 ‘Relocation’ Travel Deals / Use ALL Your Vacation Time
Clark shares two creative ways to save money on travel. Speaking of travel, do you have vacation time remaining this year? Clark discusses the importance of getting away!
Car & RV Rental Deals: Segment 1
Ask Clark: Segment 2
Vacation Time: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
One Way Specials | Cruise America
How To Find Cheap Flights in 3 Easy Steps
FCC.gov- File A Complaint
Companies are budgeting billions for an employee benefit that's increasingly unused
Vacation Tips for Anxious Workaholics
Best Cash Back Credit Cards With No Annual Fee in 2024
Credit Cards That Can Beat 2% Cash Back on Everyday Purchases
Clark.com resources
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01/10/24•32m 27s
09.30.24 Clark Smart Mortgage Moves / Holiday Outlook: Deals & Seasonal Hiring
Mortgage questions are up since the Fed Rate cut. Clark discusses what to expect with interest rates, and other factors that figure into cost effective strategies for home buyers and those considering refinancing. Also, it’s not too early to start thinking about the holidays and your budget. What to expect from retailers in terms of October & November deals and seasonal hiring.
Mortgage Update: Segment 1
Ask Clark: Segment 2
Holiday Outlook: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Mortgage Refinance Calculator
Saudi Arabia ready to abandon $100 crude target to take back market share
4 Things To Know Before You Buy a Digital TV Antenna
Clark.com Streaming Channel Tool
Clark.com Guide to Best Streaming Services for 2024: Every Option Explained
How To Watch Local Channels Without Cable
4 Things To Know Before You Sign Up for Sling TV
Best Free Streaming Services in 2024: Movies and TV for Cord Cutters
9 Things on Deep Discount in October
Has Clark Enjoyed Moving From a House to a Condo?
Clark.com resources
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Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.
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30/09/24•31m 7s
09.27.24 Clark Answers His Critics on Clark Stinks / Tourism Destination Considerations
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the tourism industry has been on a rollercoaster since the pandemic, with revenge travel peaking this past summer. Overwhelmed, Europe has been dishing out some backlash against tourists. So Clark has “zig-zag” advice for planning your next overseas adventure.
Clark Stinks: Segments 1 & 2
Destination Considerations: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
529 Withdrawal Timing: Why Distributions Must Match Expenses
Best 529 College Savings Plans By State
How Much Is Too Much When It Comes to Retirement Savings?
Why Clark Says You Should Not Buy a Condo in Florida Right Now
What Does Clark Think About the New Real Estate Rules?
Clark Deals - Today's Best Deals of the Day
Is an HSA the Best Way To Save for Future Medical Expenses?
Upside App Review: 6 Things To Know Before You Sign Up
7 Money Mistakes You Might Be Making at the Gas Station
Medi-Share & other health care sharing ministries: What you need to know before signing up
Finding & using HSA-eligible plans
Clark.com resources
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27/09/24•40m 41s
09.26.24 Waste Not Want Not - Whatnots / Decisions In The New Era Of Biometrics
In today’s episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information?
Daily Spending: Segment 1
Ask Clark: Segment 2
Biometric Security: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Keep Old Credit Card Accounts Open
My 7 Rules for Using Credit Cards - Clark Howard
TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You?
CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports
Why You Should Consider Applying for Global Entry Right Now
Pay-Per-Mile Insurance: Is It Worth It?
Mile Auto Insurance: A Firsthand Review
Metromile Insurance Review: 6 Things To Know
Best Airline Credit Cards for 2024: Are They Right For You?
Are Airline Miles Worth It?
Credit Karma Review: Free Credit Score and More at Your Fingertips
How to Freeze Your Credit With Experian, Equifax and TransUnion
How To Monitor Your Credit / How To Get a Free Credit Report
Clark.com resources
Episode transcripts
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26/09/24•34m 49s
09.25.24 The Cost of Owning A New Vehicle / Healthcare Spending Vs. Life Expectancy
New vehicle pricing is down. But the overall cost of ownership is up and AAA has the numbers. The daily cost difference between vehicles will blow your mind. Also, new data charts life expectancies compared to healthcare spending per capita. Clark looks at how the U.S stacks up compared to other countries.
New Cars: The Cost Of Ownership: Segment 1
Ask Clark: Segment 2
U.S Healthcare Spending: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Report: The Surprising Cost of Owning a New Car
Should I Buy a New or Used Car: Which Is Better? (Clark.com)
Reduce Wildfire Risk to Your Home, Business | FEMA.gov
Should I Put Extra Cash Toward a 6.7% Auto Loan or My Emergency Fund?
Charted: Life Expectancy vs. Health Spending Per Capita
ChexSystems.com Home Page
Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit
Why You Should Never Mail a Check
Clark.com resources
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25/09/24•36m 48s
09.24.24 How To Get A Medical Billing Discount / ATM Safety Warning
When it comes to medical bills, ask and you shall receive a discount - in many cases! Clark shares the success stats on some strategies to be aware of when you open that medical bill. Also - the FBI has issued warnings about a serious crime called ‘Jugging’ spreading across the country. What to know to protect yourself.
Dealing With Medical Bills: Segment 1
Ask Clark: Segment 2
ATM Safety Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Got an unaffordable or incorrect medical bill? Calling your hospital billing office can get you a discount
We analyzed nearly 2 million GoFundMe campaigns. This is what they don't tell you
wkfr.com: FBI Warning Michigan Residents of New Crime Trend Called Jugging
FBI warns about ‘bank jugging’ robbery trend
7 Most Common Financial Regrets
Why parents should never cosign a student loan
They Turned 18 and Immediately Had a Credit Score Over 700
Should You Make Your Child an Authorized User on Your Credit Card?
Clark.com resources
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24/09/24•31m 35s
09.23.24 The Most Reliable Used Cars / Apartment Hunting & Renewal Advice
Buying a used car can be the wild, wild west. There are many pitfalls to be aware of, and brands to target because of their reliability. Clark shares Consumer Reports reliability ratings. Also, there’s real opportunity around the country for renters to pay less if you're willing to shop. And at renewal time, many landlords are offering rewards for paying rent on time and other gimmicks to retain your lease. But are these rewards worth it?
Buying A Used Car: Segment 1
Ask Clark: Segment 2
Apartment Hunting & Renewal Advice: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Toyota is most reliable used vehicle brand and it isn't even close
Which Brands Make the Best Used Cars? - Consumer Reports
Report: Top Vehicles Most Likely To Last 250,000 Miles
How To Buy a Used Car (Clark.com) / FedNow Service
Fidelity Investments Review: Pros & Cons
What Is a Good Credit Score? / Credit Score Guide
Pay Your Rent, Get 2% Cash Back: Landlords Join Craze for Rewards - WSJ
Free rent and free parking: Landlords are throwing in sweeteners
Apartment rents hit a post-pandemic milestone — and more landlords are sweetening their deals
Clark.com resources
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23/09/24•31m 41s
09.20.24 Clark Answers His Critics on Clark Stinks / Auto Insurance Rate Forecast
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto insurance rates increased by almost 20% last year. Will these increases continue? Clark explains how we got here, the state of the industry, and what you can do to keep costs down.
Clark Stinks: Segments 1 & 2
Auto Insurance Industry Changes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should I Buy Additional Insurance From a Rental Car Company?
Scam Alert: Think Twice Before Scanning QR Codes
What Is Umbrella Insurance and Do You Need It?
10 Ways To Save Money on Car Insurance
Car Insurance Rates Could Jump Over 50% in Some States This Year
How to Shop for Lower Car Insurance
Mile Auto Insurance: A Firsthand Review
Can a Patient Advocate Help With Your Medical Bills?
First, see if you can get your medical bill forgiven
Best 529 College Savings Plans By State
What's the Best Way To Send Money Overseas?
Clark.com resources
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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20/09/24•36m 56s
09.19.24 Your Privacy: OptOutPreScreen / First Credit Cards
Clark has tips for mortgage and other loan shoppers, including advice about credit inquiries, and the importance of OptOutPreScreen in your life. Also, when it comes to establishing credit, it’s important to get it right the first time. Clark shares credit building know-how for young adults & college students.
OptOutPreScreen: Segment 1
Ask Clark: Segment 2
Establishing Credit: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The trigger effect: Homebuyers face another challenge when applying for a mortgage
4 Ways To Stop Junk Mail-Clark.com
Mortgages Archives - Clark Howard
How To Dispute an Error on Your Credit Report and Win
Ask Clark: Is the 4% Retirement Rule Still Accurate?
[The Washington Post] First credit cards can make or break you. Here’s what you need to know.
Petal Card Review: A Good Option for First Credit Card?
Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit
Best Credit Cards for Students: Top Picks for 2024
A Simple Way To Help Your Kid Build Credit
How To Switch Banks in 4 Simple Steps
Credit Union Locator - NCUA
Clark.com resources
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19/09/24•35m 9s
09.18.24 Hotel Points Devalued / Update: Laundry Detergent Sheets
Today, a warning about hotel frequent stay programs. Hotel points have been significantly devalued. Clark breaks down who should be brand loyal and who should not bother. Also, Clark has an update on something he’s talked about on the show - laundry detergent sheets. So do they work?
Hotel Rewards Downgraded: Segment 1
Ask Clark: Segment 2
Update: Laundry Detergent Sheets: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
WSJ: The Loyalty Reward Downgrade Has Come for Hotel Guests
Best Travel Credit Cards: Top Rewards Picks for 2024
Cancel for Any Reason Trip Insurance: Should You Buy It?
The Platinum Card® from American Express Review 2024: Is It Worth It?
Why Laundry Detergent Sheets Are a Waste of Money
Is It Ever OK To Co-Sign a Loan With a Family Member?
New Report: The Safest Cars for Teens / Safe vehicles for teens
IIHS, Consumer Reports name safe, affordable vehicles for teens
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18/09/24•31m 24s
09.17.24 Back To Basics: SAVE MORE / A New Wave Of Ponzi Schemes
Today - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for.
Saving-First And Automatically: Segment 1
Ask Clark: Segment 2
Ponzi Schemes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Americans’ Savings Rate Plummets Amid Summer Spending
How To Save Money: Spend Less & Build Your Savings
Using Cellular Data Internationally: Buying a Local SIM Card
Roamless: Global eSIM for Travel Internet, eSIM App
Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
https://duckduckgo.com/
Thinking about rooftop solar? 4 things to consider and how to protect yourself
How Solar-Friendly Is Your State? We Scored Them All
Best Travel Credit Cards: Top Rewards Picks for 2024
When Interest Rates Go Down, the Hucksters Spring Up - The Wall Street Journal.
Brothers, SEC reach a deal in alleged scheme
Brothers accused of operating $61M Ponzi scheme
Receiver searching for assets in alleged Ponzi scheme
$300M Ponzi Scheme Prompts Freezing Of Assets For ATL Businessman: SEC
FTC and Florida Act to Stop ‘Trucking Automation’ Scam RivX That Took Millions of Dollars From Consumers
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17/09/24•34m 29s
09.16.24 The Problem With Gift Cards / Rip Off Alert: ATM Fees
Today, Clark discusses the two main problems with gift cards and what one state is trying to do to prevent gift card scams. Also in this episode, the scourge of ATM fees. Learn where they are the highest, and how you can avoid paying them.
Gift Card Problems & Reforms: Segment 1
Ask Clark: Segment 2
Avoiding ATM FEES: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Gift Card Scams | Consumer Advice / Gift Cards - Clark.com
The Nation’s First Law Protecting Against Gift Card Draining Has Passed. Will It Work?
TPG's guide to understanding EU261 flight compensation
How to get compensation for delayed or canceled flights
5 of Clark Howard's Most Extreme Frugal Hacks
Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
Costco Travel: 5 Things To Know Before You Book
Booking a Cruise? Here Are 5 Ways To Do It for Less
Cancel for Any Reason Trip Insurance: Should You Buy It?
This Mistake at the ATM Could Be Costing You More Than $248 a Year
New York Post: ATM fees hit record high in US — cities where you’ll pay the most
Cash machines now cost more than ever to use
Paying money to get your own cash: Some big retailers charge for cash-back requests
How To Avoid ATM Fees
Credit Union vs. Bank: What's the Difference?
Automatic Bill Pay: How It Works and How To Do It Safely
6 Things To Know Before Contacting the National Foundation for Credit Counseling
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16/09/24•37m 23s
09.13.24 Clark Answers His Critics on Clark Stinks / Real Estate Commission Changes
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark clears confusion surrounding new rules with real estate agent commissions for home buyers and sellers.
Clark Stinks: Segments 1 & 2
New Rules On Real Estate Agent Commissions: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Want job security in this uncertain market? A surprising trend is paying off
Pronounce Names
What Is an Annuity, and Why Does Clark Think They Stink?
WSJ - The New Etiquette of Negotiating With Your Real-Estate Agent
Buying a house just got more complicated. Here's what you should (and shouldn't) do when working with a broker
NYTimes: Buying or Selling a Home? The Rules Have Changed.
How buyers and sellers are navigating real estate’s seismic shake-up
Big changes to how you buy and sell a home go into effect today: What you need to know
New rules could reshape homebuying. Here’s what it means for you.
The Only Reason You Should Make an Improvement to Your Home
How and When To Refinance Your Mortgage: A Step-By-Step Guide
Costco Is Raising Membership Fees in September
Is a Costco Membership Worth It?
5 Reasons Sam's Club Is Better Than Costco
Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
CELL PHONES - Clark.com
Phone Plan Finder – Find the Best Plan For You - Clark.com
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13/09/24•39m 10s
09.12.24 Clark Welcomes Consumer Tech Expert Kim Komando
Today, Clark hosts digital advisor Kim Komando to discuss online security including passwords, followed by answers to some tech questions.
Komando On Tech Security: Segment 1
Clark Asks Kim Your Tech Questions: Segment 2
Mentioned on the show:
5 Tips To Protect Your Digital Privacy
Keeper Security: Password and Secrets Management
1Password: Top-Rated Password Manager for Personal …
Dashlane: Password Manager for Home, Mobile and Business
What are passkeys? Everything you need to know about the death of passwords
California Consumer Privacy Act (CCPA)
What is GDPR, the EU's new data protection law?
Appy Pie / Thunkable / Bubble: The full-stack no-code app builder
DuckDuckGo — Privacy, simplified.
Startpage - Private Search Engine. No Tracking.
Brave: The browser that puts you first
The greenest browser on Earth - Ecosia
Proton Mail: Get a private, secure, and encrypted email account
Hushmail - Encrypted Email, Web Forms & E-Signatures
StartMail: Private, Secure and Encrypted Email You Can Trust
Phone Plan Finder – Find the Best Plan For You - Clark.com
Tech news, tips and tricks | Komando.com
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12/09/24•34m 16s
09.11.24 Price Drops! / Sports Gambling
Consumers have demanded lower prices and we’re seeing results! Manufacturing is slowing due to oversupply in many categories. Clark tells you where prices are trending down, and which retailers have responded to consumer signals in the marketplace with lower prices. Also today, with the arrival of fall sports - a big warning about something that could make your money disappear if you aren’t careful.
Buying Opportunity: Segment 1
Ask Clark: Segment 2
Sports Gambling Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
U.S. Manufacturing Activity Remains Weak Ahead of Expected Fed Rate Cuts
NY Post: Dollar General shares plummet as Walmart, Target take bite out of profit
Axios: 1 big thing: Dollar store pain
Dollar General’s stock is cratering. Here’s what it says about the economy
NYTimes: Consumers Are Still Bargain Shopping, Macy’s and Target Reports Show
Target slashed prices. It paid off / Axios: Learnings from earnings
Axios: Price Cuts Are Back: Doling out discounts
Sales at stores are suddenly surging in the US economy’s latest show of strength
Americans are still shopping. They’re just going to Walmart
How To Open a Roth IRA
Nanny Taxes and Payroll Services | Poppins Payroll
NYTimes: We All Live in Vegas Now
Axios: Sports betting replaces stocks
What is Gambling Disorder?
National Council on Problem Gambling: Home
Gambling Addiction and Problem Gambling
How gambling affects the brain and who is most vulnerable to addiction
Best 529 College Savings Plans By State
Clark.com resources
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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11/09/24•35m 14s
09.10.24 The National Public Data Breach / Dynamic Pricing
Team Clark is getting many questions about the recent massive data breach, possibly the second largest breach in history and one that includes social security numbers. Find out what you need to do about the National Public Data Breach. Also, Clark discusses how there’s a right way and a wrong way for companies to implement dynamic pricing. Evidently, some companies are taking the practice way too far.
Data Breach Guidance: Segment 1
Ask Clark: Segment 2
Dynamic Pricing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
National Public Data Breach: One of the Largest Data Breaches in History Affects Billions
DATA BREACH GUIDE - Clark.com
Credit Lock vs. Credit Freeze: What's the Difference?
How to Freeze Your Credit With Experian, Equifax and TransUnion
LA Times: Massive data breach that includes Social Security numbers may be even worse than suspected
NYTimes: What to Know About the Latest Social Security Number Breach
Nearly 3 Billion People Hacked in National Public Data Breach. What You Need to Know
Seven Things to Do Right Away If You're a Victim of a Data Breach
Data broker suggests fraud alerts after Social Security number breach
[The Washington Post] Our data isn’t safe. Resist giving it up whenever you can.
E-Verify: Home
DOT-File a Consumer Complaint
Submit a complaint | Consumer Financial Protection Bureau
[The Washington Post] Anger over Oasis ticket prices sparks U.K. review of dynamic pricing
Companies love dynamic pricing... customers not so much
World's Largest 3D-Printed Neighborhood Is Almost Finished In Texas
These concrete homes want to take over your subdivision
Clark.com resources
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10/09/24•35m 56s
09.09.24 The High Cost of Timing the Market / A Safety Buffer From Down Markets
Clark is out on one of his adventures today, returning tomorrow. Wes Moss, a fiduciary financial advisor and friend of Team Clark, joins Christa to answer your investing questions and discuss two important retirement topics. The stock market can have major swings. Unfortunately, the volatility can cause us to panic and take money out in response. However, numbers show that missing the best 10 days in any given year over a 25-year period can reduce your return from 9% to under 6% – and it gets worse the more time your money is not invested! CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the financial consequences of taking money out and why it’s important to stay calm in any market. Also, the stock market is a marathon, but how do we buffer ourselves from the stress of risk? Wes talks about the “dry powder” principle. It can help us be better investors and help keep our wallets safe! Plus - Is waiting to take Social Security wise or is it a “scam”?
Missing Out on the Stock Market: Segment 1
Ask Wes: Segment 2
The Dry Powder Principle: Segment 3
Ask Wes: Segment 4
Mentioned on the show:
How Much Cash Do You Need To Survive A Volatile Market?
Wes Moss, Capital Investment Advisors
Should You Sell or Stay Put in the Stock Market?
What Is an Annuity, and Why Does Clark Think They Stink?
Find Freedom In Retirement With These Core Financial Principles
When Is the Best Time To Collect Social Security?
Clark.com resources
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09/09/24•32m 54s
09.06.24 Clark Answers His Critics on Clark Stinks / News For Home Buyers
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, news for first time homebuyers that changes Clark’s long time advice.
Clark Stinks: Segments 1 & 2
Buying A New Vs Used Home: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Does Escrow (in Escrow) Mean, and How Does It Work?
What Clark Says You Should Do With Your I Bonds This Year
New rules could reshape homebuying. Here’s what it means for you.
Clark.com - CELL PHONES
Best Phone Plans: Get Exactly What You Want at the Cheapest Price
Phone Plan Finder – Find the Best Plan For You - Clark.com
Zelle scams prompt federal probe into whether banks are doing enough to protect customers
Online Defensive Driving Course From AARP Driver Safety
Defensive Driving Courses & Traffic School | DriveSafe Online®
New homes are getting smaller. That could be big news for first-time buyers
Axios: New houses now cost less per square foot than old houses
Axios: End of hallways
Should You Respond to Class-Action Lawsuits?
What Is an ETF?
Axios: How action against hidden junk fees affects your wallet
Clark.com resources
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06/09/24•36m 7s
09.05.24 INVESTING: Do the 60/40 Portfolio and the 4% Rule Still Work?
Clark is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance.
60/40 Portfolio: Segment 1
Ask Wes: Segment 2
4% Rule: Segment 3
Ask Wes: Segment 4
Mentioned on the show:
Mistakes Investors Might Make When Following The Herd
A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin
Wes Moss, Capital Investment Advisors
What Is a Solo 401(k) and How Does It Work?
What Is a SEP IRA and Who Is Eligible?
What Is a SIMPLE IRA and How Does It Work?
What A 6% Withdraw Rate Could Mean For Your Retirement
How to Start Investing: 10 Steps for Beginners
What Is an Annuity, and Why Does Clark Think They Stink?
Clark.com resources
Episode transcripts
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05/09/24•28m 15s
09.04.24 Here’s To The Underconsumption Trend / Cheaper Gasoline
At least one third of Americans are worried about not being able to pay their bills. Clark has long been concerned about influencers convincing followers to spend money on products they’re endorsing. Now there’s a new trend on social media from a new wave of influencers, and it’s great. Also, there’s good news on gas prices.
Spending Less Is Trending: Segment 1
Ask Clark: Segment 2
Gas Prices: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Tired of Influencers, TikTok Users Try ‘Underconsumption Core’ to Cut Costs
39% of Americans worry they can’t pay the bills
Rein in your retail spending with these tips
How To Open a Roth IRA
Target Date Funds: Clark's Favorite Retirement Investment
Certificate of Deposit (CD): What Is It, Best Places To Open One
Air Travel Complaints | US Department of Transportation
DOT - File a Consumer Complaint
Cheap Flights, Airline Tickets & Airfare Alerts | Going
Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts
Bluebird American Express Card Review 2024
What's the Best Savings Account for a Teenager?
Best Prepaid Cards: Top Debit Card Alternatives
The Silver Lining of a Slowing Economy: Cheaper Gas - The WSJ
How To Find Phone Plans That Offer Lifeline Discounts
AT&T, AST SpaceMobile Announce Commercial Agreement
The Best Telecom Services for Landlines
Elliott Report: Home
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04/09/24•36m 34s
09.03.24 The Cost Of Pet Ownership / Florida Real Estate Alert
The decision to own a pet should not be taken lightly, with veterinary hospital bill shock causing great financial strain on pet owners. Clark explains the market forces at work, and where to look for more affordable pet care. Also, a special warning if you or someone you know is considering buying a condo in Florida. There’s been a pivot in the real estate market.
Pet Care Costs: Segment 1
Ask Clark: Segment 2
Alert: Buying A Florida Condo: 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
Is Pet Insurance Worth It? / 5 Best Places To Buy Pet Medicines
Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
Target Date Funds: Clark's Favorite Retirement Investment
Why Clark Says You Should Not Buy a Condo in Florida Right Now
South Florida in midst of condo crisis as rising HOA fees lead to surge in listings: ‘Don’t know how I’m going to stay’
What Credit Cards Does Costco Accept?
Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
Why You Should Never Mail a Check
Top 7 Ways To Shop Safely Online
Virtual Credit Cards: An Online Security Measure Worth Taking?
Clark.com resources
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Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.
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03/09/24•35m 21s
08.30.24 Clark Answers His Critics on Clark Stinks / A Word To Employers
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - A recent stat reveals that unhappy workers may reduce Global GDP by up to 9% - so what do workers want? Clark discusses “enlightened self-interest” and the vital importance of valuing employees.
Clark Stinks: Segments 1 & 2
Boss Advice About Workers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
Why I Think Medicare Advantage Plans Stink - Clark Howard
Optical Reviews - Clark.com
How Much Life Insurance Do I Need?
How To Buy Term Life Insurance in 7 Easy Steps
Earn College Credit With CLEP
3 strategies to help college students pick the right major the first time around and avoid some big hassles
Is college worth it? Poll finds only 36% of Americans have confidence in higher education
Nearly half of U.S. workers would take a pay cut to avoid being tracked by their boss
Should you look for a new job if you're given a performance improvement plan?
Why more Gen Z workers are being placed on performance-improvement plans
Unhappy workers may reduce global GDP by as much as 9%, Gallup estimates
Fidelity Investments Review: Pros & Cons
Clark.com resources
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30/08/24•35m 49s
08.29.24 Are You Paying A “Loyalty Tax”? / Dream Come True: An Affordable Wedding
There’s an allegation that companies are buying and using consumer data to charge individual, discriminatory prices. Clark discusses how to get around the loyalty tax you may unknowingly be paying. Also today, there is a trend in weddings to rethink the fantasy event and scale down to have funds for other priorities. Clark shares ideas to help couples save on their special day.
Privacy & The Price Of Loyalty: Segment 1
Ask Clark: Segment 2
Save More On Weddings: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
You’re not going crazy — you may actually be paying higher prices than other people
Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
Best 529 College Savings Plans By State
Can I Sell My Life Insurance Policy?
Consumer Federation of America - Insurance
The CFA’s Rate of Return (ROR) Program | Evaluate Life Insurance
Kayak now displays Southwest Airlines flights - The Points Guy
Brides are having brunch weddings, midweek destination nuptials and selling tickets, saving $70K on costs
[The Washington Post] The American wedding is shrinking
Clark Howard's Guide to Saving Money on Your Wedding
Weddings - Clark.com
Should You Ever Lease a Car?
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
Clark.com resources
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29/08/24•36m 36s
08.28.24 How Safe Are QR Codes? / Avoid Rental Car Toll Fees
QR codes are everywhere, and criminals have found a way to exploit them. Approach with caution and know what to look out for. Also, Clark recently got caught up in a rental car toll issue and tells you how to avoid the toll fee traps that can come with car rentals.
QR Code Scams: Segment 1
Ask Clark: Segment 2
Rental Car Toll Fees: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
'I'm done scanning': Woman warns of QR code scam that was sent to her doorstep
Got a barcode from your utility company to make a payment? That’s a scam
Why You Should Never Mail a Check
Ascensus Acquires Vanguard’s Small Business Retirement Plans
What Can I Do if My HOA Is Doing a Poor Job?
NYTimes: Finally, a Way Around Exorbitant Rental Car Surcharges for Tolls
How to Avoid Rental Car Toll Fees
Drivers Beware: Watch Out for This Toll Notice Scam
Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet
The Best Unlimited Hotspot Plans
Best Phone Plans: Get Exactly What You Want at the Cheapest Price
Clark.com resources
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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28/08/24•34m 39s
08.27.24 Credit Card Debt - Have A PLAN / Ending Distracted Driving
Clark shares some tough new stats about American credit card debt. If you are in debt, you are definitely not alone. Know the strategies that can set you on a path to freedom from debt. Later, insurers are exploring some interesting ways to cut down on the critical problem of distracted driving. Clark has his own way of banishing phone use while behind the wheel.
Credit Card Debt: Segment 1
Ask Clark: Segment 2
Phone Addiction & Distracted Driving: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Credit card debt: Inflation, interest rates have more Americans carrying balances over
Axios: Stretched consumers
Clark Howard's 2024 Credit Card Debt Elimination Strategy
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Xfinity Deal: Save Up to $1,500 on Internet and Cell Phone Service
Cell Phone Plans / Streaming TV / Internet Archives - Clark Howard
How Many Credit Cards Should I Have?
My 7 Rules for Using Credit Cards - Clark Howard
Best Airline Credit Cards for 2024: Are They Right For You?
Gamification gets drivers to put down their phones, study finds
Pay-Per-Mile Insurance: Is It Worth It?
Mile Auto Insurance: A Firsthand Review
How to Shop for Lower Car Insurance
Homeowners Insurance Archives - Clark Howard
5 Steps To Getting a Good Deal on a Hotel Room
Should You Ever Book a Nonrefundable Hotel Room?
5 Things You Should Re-Shop To Save Money
Clark.com resources
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27/08/24•40m 21s
08.26.24 The Penny Stock Pump & Dump / Robo Text Scams
An important lesson for new investors: Clark explains the penny stock pump & dump rip off - a worsening problem in the digital age. Also, as the number of robo calls decline, “robo texts” are increasing and come in many forms, looking to get at your identity and into your wallet. Know how to spot scam texts and hit DELETE.
Penny Stock Rip Off: Segment 1
Ask Clark: Segment 2
Beware Of Scam Texts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Penny Stocks Are More of a Problem Than Ever, Clark Warns
Best 529 College Savings Plans By State
Roth vs. Traditional 401(k): What's the Difference?
How To Sell, Cancel or Get Rid of Your Timeshare (Clark.com)
“When are you free for coffee?” Long lost friend or a scammer trying to get you to respond?
How To Recognize and Report Spam Text Messages
Best Free Password Managers: 10 Top Picks
How to Avoid Online Scams and What to Do if You Become a Victim
How To Prevent, Report and Repair Identity Theft
The Worst Kind of Identity Theft (and How To Prevent It)
Should You Respond to Class-Action Lawsuits? (Clark.com)
Clark.com resources
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26/08/24•36m 9s
08.23.24 Clark Answers His Critics on Clark Stinks / Home Energy Tax Credits
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, most states are still under costly monopoly power control for energy and those costs continue upward. But you are not powerless! In addition to the payback of lower bills, there are tax credits for energy efficient home improvements.
Clark Stinks: Segments 1 & 2
Home Energy Tax Credits: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What's the Best Way To Rent a Car Before You Buy It?
Is Turo Legit? 5 Things To Know Before You Use It
13 Places To Listen to Free Music Online- Clark.com
Why You May Want To Get a Home Generator
How Should I Donate a Non-Working Vehicle?
How to Sell Your Car in 5 Steps-Clark.com
What Is the Best Platform To Sell My Car?-Clark.com
ZIPAIR Official Website
Costco vs. Sam's Club: What Is the Difference?
6 Pharmacies Offering $4 Prescriptions
Axios: How U.S. homeowners can score tax breaks and other Biden climate cash
[The Washington Post] Americans tapped $8 billion in tax credits on home energy upgrades
How To Save Money on Utilities
How to Book the Best and Safest Airbnb
Cheapest Way to Rent a Car: Expert Tips
5 Things You Should Re-Shop To Save Money
Clark.com resources
Episode transcripts
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23/08/24•36m 59s
08.22.24 UPDATE: Selling A Vehicle / Amazon Safety Recall Ruling
Clark has updated information if you are thinking of selling a car, with new direction on where to get fair market value pricing. Also, a recent ruling means Amazon has to make a big change to how they handle 3rd party sellers of unsafe items.
Selling Or Trading In A Car: Segment 1
Ask Clark: Segment 2
Amazon Recall Ruling : Segment 3
Ask Clark: Segment 4
Mentioned on the show:
This Car Site Offers Top Dollar to Sellers. Its Stock Is a Wall Street Favorite
How to Sell Your Car in 5 Steps-Clark.com
What Is the Best Platform To Sell My Car?-Clark.com
Jobs Archives - Clark Howard
Amazon must recall unsafe products sold by independent sellers, a consumer agency says
USA TODAY: Federal agency finds Amazon responsible for recalling dangerous items
Amazon can now be held responsible for dangerous products sold on its platform
How and When To Refinance Your Mortgage: A Step-By-Step Guide
Visible Adds New Features to Visible+ Plan
Visible Review: 5 Things To Know Before You Sign Up
Using Cellular Data Internationally: Buying a Local SIM Card
Phone Plan Finder – Find the Best Plan For You - Clark.com
Live TV Streaming Channel Tool
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22/08/24•37m 49s
08.21.24 Solutions Through Innovation / A New Fintech Tackles Fraud
Humans are prone to “static analysis” - the idea that if an attempted solution didn’t work, it never will. But innovations prove otherwise and Clark has a real life example in the vital area of water shortages. Also, many Americans, especially the elderly, are taken advantage of with technology schemes. Clark discusses a new fintech offering strategies to prevent this now rampant fraud.
Try Try Again: The Power Of Innovation: Segment 1
Ask Clark: Segment 2
A Fintech Takes On Fraud Prevention: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Spain Is Thirsty. Here’s How It Gets Water.
How and When To Refinance Your Mortgage: A Step-By-Step Guide
6 Things to Know About Refinancing Your Mortgage
Mortgage Refinance Calculator - Clark Howard
This banking fintech for older Americans is launching a new feature to fight AI fraud
How To Switch Phone Carriers: 9 Easy Steps
Phone Plan Finder – Find the Best Plan For You - Clark.com
Employee Stock Ownership Plan (ESOP): What It Is, How It Works
Best 529 College Savings Plans By State
Clark.com resources
Episode transcripts
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21/08/24•35m 13s
08.20.24 New Retirement Savings Incentive / Liability Risks & Umbrella Insurance
Today, choosing the right phone plan could save you up to $1500 a year. Clark introduces our new Phone Plan Finder tool to help you cut through the confusion and make that choice much easier. Then Clark discusses a great new retirement savings option for part-time and self-employed workers. Also - It’s vital to understand your liability risks and insure accordingly, which for many, includes umbrella insurance.
New Roth Options: Segment 1
Ask Clark: Segment 2
Liability Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Phone Plan Finder – Find the Best Plan For You - Clark.com
Changes in Retirement Savings Rules to Know Before Year’s End - WSJ
6% of Your Paycheck Is Becoming the New Standard for 401(k) Saving
The 3 Biggest Mistakes You Can Make With Your 401(k)
The 401(k) Rollover Mistake That Costs Retirement Savers Billions - WSJ
401(k) Rollover: How To Roll Over a 401(k) (Clark.com)
What Is a SEP IRA and Who Is Eligible?
What Is a SIMPLE IRA and How Does It Work?
Certificate of Deposit (CD): What Is It, Best Places To Open One
What Is a Roth 401(k) and How Does It Work?
Rollovers From a 529 Plan to Roth IRA: What to Know
Umbrella Insurance Covers Worst-Case Scenarios. There Are Now More of Them. - WSJ
What Is Umbrella Insurance and Do You Need It? (Clark.com)
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option
Clark.com resources
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20/08/24•34m 19s
08.19.24 Extended Auto Warranties / Food Service Innovation
A recent FTC settlement validates Clark’s long-held advice on car warranties. Know how the game is played including “bust outs”, and how to best proceed if you wish to purchase an extended warranty on a vehicle. Also, restaurants are getting crushed by costs, so they are getting creative with ways to serve us fresh food at a discount.
Auto Warranty Schemes: Segment 1
Ask Clark: Segment 2
Fresh Food Vending: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Think twice before buying a car-repair contract. FTC settlement shows why.
FTC says CarShield didn’t cover car repairs as advertised
Should You Buy an Extended Warranty on Your Car? (Clark.com)
Used car prices plunging: EVs hit the hardest
Electric Vehicle Tax Credits 2024: What You Need to Know
Need a Cheese Plate at 4 a.m.? There’s a Vending Machine for That. - WSJ
Axios: "Waiter, check please?" Nah, just use an app
How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts
Raisin Review: Can You Trust This Online Savings Marketplace? (Clark.com)
Certificate of Deposit (CD): What Is It, Best Places To Open One
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
Term Life vs. Whole Life Insurance: Understanding the Difference
Clark.com resources
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19/08/24•33m 9s
08.16.24 Clark Answers His Critics on Clark Stinks / How To Find A Side Hustle
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, an app capable of helping job seekers transfer their skills to new industries and locate positions close to home.
Clark Stinks: Segments 1 & 2
Locate Contract Work: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Donating & Volunteering Archives - Clark Howard
Why You Should Establish Trusted Contacts
Over 11 million job seekers are using this app to find jobs in their own backyards- Hypepotamus
30 Easy Side Hustle Ideas / Sidehusl.com: Home
Jobs Archives - Clark Howard
Should You Get a Store Credit Card?
Clark.com resources
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16/08/24•33m 32s
08.15.24 Sim Swap Fraud Protection / New Hotel Booking Considerations
Rampant data breaches facilitate SIM swapping fraud - allowing criminals to usurp 2 factor authentication by stealing your phone service. Clark explains this very common form of identity theft and how you can easily prevent it. Also - Why hotels are in financial distress these days, what that means for travelers and how this calls for a new approach to booking.
Sim Swapping 101: Segment 1
Ask Clark: Segment 2
Distressed Hotels - Strategic Booking: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
There are 1 billion victims of data breaches so far this year. Are you one of them? - USA TODAY
SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
This form of identity theft is on the rise. Here's what to know
FCC pursues rule forcing carriers to unlock phones after 60 days
5 Credit Card Mistakes To Avoid
Travel Insurance: What You Need To Know Before You Buy
The National Observer: Distress grows for hotel properties
Help! We Had to Sleep in the Hotel’s Breakfast Room. We Would Like a $215 Refund.
5 Things You Should Re-Shop To Save Money
Best Credit Cards With No Foreign Transaction Fees in 2024 - Clark.com
Clark Howard's Digital Wallet Strategy for 2024
5 Money Tips To Know Before You Travel Abroad
How To Plan a Trip: Clark's Best Travel Tips To Save Money
Travel Archives - Clark Howard
Clark.com resources
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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15/08/24•35m 15s
8.14.24 How To Buy A Used Car / How Big Landlords Set Rent Prices
The number one issue people are contacting Team Clark about: Buying a used car. Clark goes back to basics on how to purchase a used vehicle, so you know how to protect yourself before setting foot on a dealer lot. Later - Antitrust lawsuits allege corporate landlord price collusion via software. What apartment renters need to know and strategies to get the best deal on rent.
Buying A Used Vehicle: Segment 1
Ask Clark: Segment 2
Apartment Rent: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Buy a Used Car (Clark.com)
Should You Buy an Extended Warranty on Your Car?
Online security: Our promise to you - Investor Vanguard
Vanguard's Online Fraud Policy
Safer Ways To Send Money
NYTimes: Lawsuits Mount Over Software Used by Landlords to Set Rents
Trust Pilot - Kensington Tours / BBB - Kensington Tours
Cancel for Any Reason Trip Insurance: Should You Buy It?
Best Travel Credit Cards: Top Rewards Picks for 2024
Is an HSA the Best Way To Save for Future Medical Expenses?
Where Should I Set Up My Health Savings Account (HSA)?
Clark.com resources
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14/08/24•34m 56s
08.13.24 Making Wise Investment Decisions / The Shifting Job Market
Influenced by market noise, many struggle with financial decisions regarding their investments for the future. What is the ideal mix of stocks, bonds, domestic and overseas funds? Vanguard just came out with some new recommendations. Also, Clark shares something that should ease your mind about the future of jobs with AI and other rapidly changing technologies.
Investment Decisions: Segment 1
Ask Clark: Segment 2
The Future Of Work: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Your 60/40 Portfolio Isn’t Safe. Inflation Is the Reason. Barron’s
Clark.com - Invest & Retire
Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
Should You Get a Store Credit Card?
Receipt Hog: 4 Things To Know About Earning Cash Back
ReceiptPal Review: 5 Things To Know Before Earning Cash Back
You're probably doing a job that didn't exist in 1940. Will yours exist in 2040?
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Clark Warns Major Changes To Credit Card Rewards Are Coming Soon
5 of Clark Howard's Most Extreme Frugal Hacks
Clark.com resources
Episode transcripts
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13/08/24•34m 9s
08.12.24 Big Bank Bonus Offers / Price War! Big Box Retailers
There are a lot of bonus offers coming from big banks right now, trying to capture multiple lines of your business. Should you go for it? Depends. Clark explains. Also - Consumers collectively seeking store brands to fight inflation is paying off. The big box retailers are battling it out with their private label items as they compete for private label dominance!
Big Bank Bonus Offers: Segment 1
Ask Clark: Segment 2
Private Label Price War: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Banks Are Offering Bigger Cash Bonuses. How to Decide if You Should Switch. - WSJ
Are Money Market Funds a Safe Place To Stash My Savings?
Top 10 Small Business 401(k) Plan Providers
How To Open a Roth IRA / What Are Index Funds?
How Walmart-owned Sam’s Club is trying to take on Costco’s private label Kirkland
Walmart is opening five automated distribution centers as it tries to keep its grocery dominance
Why You Should Keep Old Credit Card Accounts Open
Navy Federal cashRewards Card Review: Cash Back Credit Card
Should I Update My Income With My Bank or Credit Card Company?
How To Monitor Your Credit
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Clark.com resources
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12/08/24•34m 53s
08.09.24 Clark Answers His Critics on Clark Stinks / A Dangerous Form Of Payment
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you.
Clark Stinks: Segments 1 & 2
Using Checks- A Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Get an Identity Protection PIN (IP PIN)
Retrieve your Identity Protection PIN (IP PIN)
Where To Buy the Best Cheap Printer
How to Freeze Your Credit With Experian, Equifax and TransUnion
Career opportunities - Careers - About.usps.com
How to Avoid Paying Vacation Rental Fees
Target will stop accepting this old-school form of payment
What Is Mortgage Protection Insurance and Do You Need It?
4 Insurance Policies You Actually Need (and 5 You Don't)
What Is Disability Insurance and How Does It Work?
Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You
Clark.com resources
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09/08/24•35m 51s
08.08.24 Auto Insurance Backlash / When There’s No Fiduciary: A Tragic Tale
We’ve talked a lot recently about rising insurance rates. The car insurance industry is facing some backlash now, as consumers explore their options. Clark has advice on lowering your premiums. Also today - many people buy lottery tickets, but the odds of winning are insanely low. One couple actually hit a huge jackpot, but what happened next is a very sad story.
Save More On Auto Insurance: Segment 1
Ask Clark: Segment 2
Financial Advisors- Choose Wisely: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Fed Up With Their Car-Insurance Bills, Drivers Shift Gears - The Wall Street Journal.
NYTimes: How to Rein In Rising Auto Insurance Rates
10 Ways To Save Money on Car Insurance
Mile Auto Insurance: A Firsthand Review
How to Freeze Your Credit With Experian, Equifax and TransUnion
Credit Karma Review: Free Credit Score and More at Your Fingertips
Should I Be Concerned That I’m Receiving Mail at My Home With Someone Else’s Name?
What’s the Best Way To Exchange Dollars for Foreign Currency? And When Should I Exchange Money?
Should You Buy Gold at Costco? / Warning: How You Should NOT Buy Gold
A Couple Won the Powerball. Investing It Turned Into Tragedy. - The WSJournal.
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
How to Qualify for Medicaid: Eligibility Requirements
6 Things To Know About Series I Savings Bonds
What Clark Says You Should Do With Your I Bonds This Year
Clark.com resources
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08/08/24•36m 24s
08.07.24 When Schools Ban Cell Phones / Restaurants Want You Back
Recently there has been backlash about the use of phones by teenagers, especially at schools. Some districts and states are doing something about it. Also - restaurants are trying to bring in customers through promotions and deals, but how do you know if you are really getting a bargain?
Student Cell Phone Bans: Segment 1
Ask Clark: Segment 2
Restaurant Promotions: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NY Students Banned From Using Phones First Hated, Then Loved It
Top 10 Small Business 401(k) Plan Providers
Bottomless Fries, Floats and Broccoli. One Restaurant Chain’s Bid to Get Diners. - WSJ
Why fast food value menus aren’t as good a deal as you might think
How To Prevent, Report and Repair Identity Theft
The Worst Kind of Identity Theft (and How To Prevent It)
How to Freeze Your Credit With Experian, Equifax and TransUnion
Best 529 College Savings Plans By State
Understanding 529 rollovers to a Roth IRA
12 Items That Can't Be Returned to Amazon
Clark.com resources
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07/08/24•29m 54s
08.06.24 Gen X Retirement / Tax Wisdom For Contract Workers
New statistics showing average 401K balances by generation reveal a trouble spot. Clark focuses on Gen X. Also, if you or someone you know does contract work full time or as a side hustle, Clark has important advice about taxes.
Gen X Retirement: Segment 1
Ask Clark: Segment 2
1099 Tax Traps: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Average 401(k) Balance by Age
Axios: Gen X savings gap
7 Best Ways to Save for Retirement in Your 50s
30 Easy Side Hustle Ideas
7 Things To Know Before You Use Zelle
6 Steps To Eliminate Credit Card Debt in 3 Years or Less
Consumer Cellular Review: 5 Things To Know Before You Sign Up
Lifeline Support for Affordable Communications
1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle
A Surging IRS Penalty Is Costing Americans Billions. Here’s How To Avoid It
Midyear Tax Planning Strategies: Five Things to Do Now
Here's Your Estimated 2024 Tax Refund Schedule
What Is a SEP IRA and Who Is Eligible?
When Should You Get an Accountant To Do Your Taxes?
Clark.com resources
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06/08/24•31m 56s
08.05.24 CLARKONOMICS: The Job Market / Look Out For Incorrect Pricing
Today, Clarkonomics with an overview of the current job market and how to be prepared. Also - Incorrect pricing has been plaguing consumers alongside inflation and may soon be remedied in some places by technology. Meanwhile, why you need to keep your eye on the price!
Job Market Update: Segment 1
Ask Clark: Segment 2
Incorrect Pricing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Axios: Labor scarcity is the new normal
Companies are facing a skills-gap crisis that college alone can’t fix
College credit for working your job? Walmart and McDonald’s are trying it
Amazon - 9 skills training programs helping hourly employees grow their careers
Amazon - Our Upskilling 2025 programs
NYT - U.S. Job Growth Extends Streak, but Signs of Concern Emerge
Why more layoffs could be coming in the second half of 2024
Americans are suddenly finding it harder to land a job — and keep it
America's startup boom is still going strong. Here's what it means for the economy
Demand for better cybersecurity fuels a booming job market
What Is a Fiduciary Financial Advisor and Do I Need One?
Guide to Brokerage and Investment Advisory Services at Fidelity Investments
A supermarket trip may soon look different, thanks to electronic shelf labels
How To Plan a Trip: Clark's Best Travel Tips To Save Money
About Clark Howard
Clark.com resources
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Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.
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05/08/24•35m 15s
08.02.24 Clark Answers His Critics on Clark Stinks / Warning: Unsolicited Offers To Buy Your Property
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many homeowners continue to receive unsolicited offers to buy their property. Clark discusses what you need to know about such offers, and the first step a seller should take.
Clark Stinks: Segments 1 & 2
Unsolicited Home Buying Outfits: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is Umbrella Insurance and Do You Need It?
Amazon set to take on Temu and Shein with new discount section
What's the Best Setting for Your Thermostat During the Summer?
Buy a lot of Amazon gadgets? You could get 20% off each time
Stacked vs Unstacked Car Insurance
Which Documents Should You Keep and for How Long?
Why You Should Beware of Unsolicited Offers To Buy Your Home
Beware of Unsolicited Offers to Buy Your Property
Clark Deals - Laptops
How and When To Refinance Your Mortgage: A Step-By-Step Guide
Clark.com resources
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02/08/24•33m 59s
08.01.24 Gratitude And Longevity / Beware Of Home Improvement Rip-Offs
We’re starting out August with some great news - there is something you can do for free that may help you live longer, and happier. Also - unhappy news of elderly women being ripped off by a home gutter system salesperson. Clark has an important warning for homeowners.
An Attitude Of Gratitude: Segment 1
Ask Clark: Segment 2
Home Improvement Rip-Offs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Be grateful for what you have. It may help you live longer
How To Find the Best Deal on Cheap Internet Service in 4 Steps
Best 529 College Savings Plans By State
‘I feel cheated’: Saleswoman charges 2 elderly women over $14,000 for gutters
6 Tips for Hiring a Contractor
How To Buy Term Life Insurance in 7 Easy Steps
Best Term Life Insurance Companies, Plans & Coverage
Clark.com resources
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01/08/24•33m 11s
07.31.24 Avoid Getting Ripped Off! How To Buy Alarm Systems And Eyeglasses
In today’s show - more Americans are installing alarm systems to help them not only feel safe from crime, but also for protection in a fire. The alarm business has been rife with long term contracts and high monthly costs. Clark tells you how to get a deal with the same safety. Another area where costs vary wildly is prescription eyeglasses. There's a new rule that makes it even easier to get your glasses at a deep discount.
Home Security Systems: Segment 1
Ask Clark: Segment 2
The Eyeglass Rule: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Avoid Getting Ripped Off by an Alarm Company
Your Guide to DIY Home Security Systems
Home Security System Ratings & Reviews
How to change your name and what government agencies to notify
Best Online Will Maker: 5 Free or Cheap Options
What Is a Personal Loan and Should You Get One?
Eyeglass Rule updates: What they mean for you
The Best Places To Buy Eyeglasses
Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
Term Life vs. Whole Life Insurance: Understanding the Difference
How To Buy Term Life Insurance in 7 Easy Steps
How To Open a Roth IRA
Clark.com resources
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31/07/24•41m 7s
07.30.24 UPDATE: Savings Rates & CD Strategies / Amazon’s Discount Initiative
Inflation has curved downward affecting interest rates, presenting challenges for savers. There are great differences between financial institutions regarding savings rates. Clark discusses how to get the best rates on CDs and savings accounts, and why you NEVER allow a CD to auto-renew. Also, Amazon is feeling the heat from Temu and Shein, and they are answering with a new competitive site.
Saving Rates Update: Segment 1
Ask Clark: Segment 2
Amazon’s New Discount Store: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
16 of the Best High-Yield Online Savings Accounts in July 2024
Best Online Banks: Free Checking and High-Interest Savings Accounts
Why Big Banks Are a Bad Place for Your Cash
What To Do BEFORE Your CD Expires
What Is a 403(b) and How Does It Work?
How a 457 Plan Works After Retirement - Investopedia
What Are Index Funds?
Longevity Insurance: What Is It and Do You Need It?
Amazon set to take on Temu and Shein with new discount section
How Higher Income Can Affect Medicare Premiums
7 Things To Know Before You Use Zelle
How To Spot and Avoid Gift Card Scams
Clark.com resources
Episode transcripts
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30/07/24•38m 5s
07.29.24 Re-shop Travel Bookings / The Greatest Financial Threat We Face
Today, Clark explains how, with the economy in slower gear, it is more important than ever to re-shop travel. The savings can be significant. Also- a warning about a common and potentially devastating scam wherein a criminal posing as a fraud specialist, is actually a specialist at committing fraud targeting bank & retirement accounts. Know what this scam looks & sounds like, and what to do when you recognize it.
Save More: Re-shop Travel: Segment 1
Ask Clark: Segment 2
Financial Impersonation Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Holiday Travel Is Booming. Why Are Airlines Doing So Badly?
5 Things You Should Re-Shop To Save Money
Should You Ever Book a Nonrefundable Hotel Room?
Cheapest Way to Rent a Car: Expert Tips
Why You Should Never Prepay for a Rental Car
Why You Should Re-Shop Your Cruise
8 Things to Know Before You Fly Spirit Airlines
Elliott Report: Home
Should I Tip on a Cruise?
Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts
Got a call about fraud activity on your bank account? It could be a scammer
Google Voice Verification Code Scam
The Google Voice scam: How this verification code scam works and how to avoid it
Clark.com resources
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29/07/24•33m 38s
07.26.24 Clark Answers His Critics on Clark Stinks / Free Music Online
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, are you paying too much for your summer soundtrack? With online music services raising prices, find out how to legally stream music for free.
Clark Stinks: Segments 1 & 2
Free Music Online: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why I Think Medicare Advantage Plans Stink - Clark Howard
Will Social Security Run Out?
When Is the Best Time To Collect Social Security?
7 Things To Know About Costco Pharmacy
10 Ways To Save on Prescription Drugs
Stash Review: How It Works, Pros & Cons
13 Places To Listen to Free Music Online
Warning: Why You Should Never Buy Visa Gift Cards
The One and Only Exception to Clark Howard's 'No Gift Card' Rule
How To Spot and Avoid Gift Card Scams
Clark.com resources
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26/07/24•32m 55s
07.25.24 INVESTMENT WARNING: Private Placements / When Is A Bank NOT A Bank?
Be aware, falling for this hotly touted investment pitch can burn your wallet - What to know about Private Placements. Also, when is a bank not a bank? Hundreds of millions of dollars have vanished from multiple fintechs, money that was deposited via the fintech apps. Clark did some digging and lets you know what he’s found out.
Beware Of Private Placements: Segment 1
Ask Clark: Segment 2
Fintech Missing Money: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
A Real-Estate Fund Industry Is Bleeding Billions After Starwood Capped Withdrawals - The WSJ
Can a Patient Advocate Help With Your Medical Bills?
How Should I Donate a Non-Working Vehicle?
6 things you need to know before donating your used vehicle
NYTimes: What Happens When Your Bank Isn’t Really a Bank and Your Money Disappears?
How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts
Chase’s plan to charge for checking accounts—and how consumers might respond
Report: The #1 Internet Provider in America
Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet
What Is Umbrella Insurance and Do You Need It?
Clark.com resources
Episode transcripts
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25/07/24•32m 2s
07.24.24 CrowdStrike Wake-Up Call / Dealing With Credit Card Debt
Semper Paratus! Clark discusses the CrowdStrike outage and what you can do to prepare for any future tech outages. Also - Even as the economy strengthens, financial struggles are real and persistent for many, made worse by today’s high interest rates. Use Clark smart strategies for handling credit card debt.
Crowdstrike Lesson: Segment 1
Ask Clark: Segment 2
Credit Card Debt: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Global Microsoft CrowdStrike outage creates issues from Starbucks to schools to hospitals
NYTimes: How to Guard Against Scams Tied to the CrowdStrike Crash
How a faulty CrowdStrike update crashed computers around the world
Massive IT outage spotlights major vulnerabilities in the global information ecosystem
Recovering from the global tech outage could be a long, arduous process
Largest IT outage in history expected to barely register in the economy
Air passenger rights - Your Europe
7 Things To Know About Costco Pharmacy
American Borrowers Are on Shakier Ground. These Charts Show Why. WSJ
Credit Union vs. Bank: What's the Difference?
Clark Howard's 2024 Credit Card Debt Elimination Strategy
Credit Score Guide
Should I Buy Additional Insurance From a Rental Car Company?
Cheapest Way to Rent a Car: Expert Tips
Clark.com resources
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24/07/24•35m 32s
07.23.24 Dangerous Mortgages / SAVE MORE on Back To School Goods
Some home buyers are using mortgage products to make houses more affordable, but these types of mortgages can be very dangerous to your wallet. Also, it’s time to do back to school shopping for many parents. Clark shares tips for saving money on everything from supplies to clothes to computers.
Dangerous Mortgages: Segment 1
Ask Clark: Segment 2
Back To School Shopping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
More people are taking a mortgage over 40 years – what this means for young people’s finances
Mortgages Archives - Clark Howard
How To Open a Roth IRA
Clark Deals - Tablets / Clark.com - Cell Phone Guide
Best 2% Cash Back Credit Cards: 9 Options in 2024
Why Does Clark Howard Wear 2 Watches?
Clark.com resources
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23/07/24•35m 23s
07.22.24 Warehouse Club Changes / Power Outage Preparation
Changes are happening at 2 of Clark’s favorites retailers, Costco & Sam’s Club, that members need to know about. Also, Clark talks about why there are an increasing number of brownouts and blackouts across the country and how to be prepared without spending a fortune. Clark Deals - Generators
Changes At Costco & Sam’s Club: Segment 1
Ask Clark: Segment 2
Be Prepared For Power Blackouts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New York Post: Sam’s Club members threaten to jump to Costco after wholesale giant chops key perk
Costco hikes membership fee for the first time since 2017
Costco to Lift Membership Fees for First Time in Seven Years - The WSJ
What's the Best Savings Account for a Teenager?
Fidelity Investments Review: Pros & Cons
What Is a Fiduciary Financial Advisor and Do I Need One?
The Best Time and Place To Buy Small Kitchen Appliances
[The Washington Post] How to power your home through an outage without a gas generator
Wind energy is on a tear and has beaten coal for two months straight
Homes into giant batteries: MIT plans energy cement to power your house
AI is exhausting the power grid. Tech firms are seeking a miracle solution.
Bitcoin miner CleanSpark buys five Georgia data centers
Clark Deals - The top 10 deals of the week!
People aren't spending like they used to
Clark.com resources
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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22/07/24•37m 47s
07.19.24 Clark Answers His Critics on Clark Stinks / Scams Targeting Seniors Skyrocket
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Seniors are getting scammed more and more. But there are ways to help protect loved ones.
Clark Stinks: Segments 1 & 2
Senior Scam Alert: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard's Simple Steps To Get Better Customer Service
Do Not Give Your Social Security Number at These Places
403b Wise / What Is a 403(b) and How Does It Work?
Should You Get a Business Credit Card? | When is it Worth it?
10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money
7 Things To Know Before You Use Zelle
Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%?
How To Create a Safe Password
Scamming Seniors Is a Growing Problem. Wall Street Wants Washington to Stop It
Elder fraud has reached epidemic proportions – a geriatrician explains what older Americans need to know — The Conversation
Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when — The Conversation
Why You Should Never Prepay for a Rental Car
How To Dispute a Charge on Your Credit Card
Submit a complaint | Consumer Financial Protection Bureau
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19/07/24•33m 58s
07.18.24 Clarkonomics: A Straightforward Look At The Economy / Paying With Cash
In today’s show - this is an election year, and we don’t do politics here. But we’re hearing all sorts of perspectives from across the political spectrum about whether Americans are doing better or worse than they were years ago. Clark cuts through the clutter to get at what’s really going on in a segment called Clarkonomics. Also, what’s more American than good old USA legal tender? So what do you do when many places no longer accept cash?
Clarkonomics: Segment 1
Ask Clark: Segment 2
No Cash Zones: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CEOs made nearly 200 times what their workers got paid last year
PEW - The State of the American Middle Class
Middle-class Americans are falling behind
When Should You File a Claim on Your Homeowners Insurance?
One Tech Tip: Use a roaming eSIM on your summer travels to avoid cellphone data fees
10 Things Homeowners Insurance Doesn't Always Cover
Want to Pay Cash? That’ll Cost You Extra
How to Teach Young Kids About Money
How to wipe the hard drive of a Windows computer.
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18/07/24•33m 25s
07.17.24 UPDATE: The Vehicle Market / Long Term Renting & Your Financial Future
Today Clark talks about our two biggest cost areas -transportation and housing. There’s good news - and bad, depending on whether you’re looking to buy or sell a used car. Plus, the outlook for new car buyers. And, the American Dream has long included a vision of homeownership. But is it possible to build wealth while renting?
Car Prices: Segment 1
Ask Clark: Segment 2
Wealth Building Rewrite: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CarMax Stock Rises After Earnings Dip. There’s a Used-Car Shortage
Axios: Charted: Return of the lower-cost vehicle
How To Buy a Used Car - Clark.com
How to Buy a New Car in 5 Steps
Renting Forever and Trying to Create a Strong Financial Future
10 Big U.S. Cities With the Cheapest Apartment Rents
How To Open a Roth IRA
Invest & Retire - Clark.com
Best Online Banks: Free Checking and High-Interest Savings Accounts
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17/07/24•33m 49s
07.16.24 Customer No-Service - A New Low / Preventing Tax ID Theft
Today - Clark discusses what’s behind the collapse in customer service over the past 2 years and how savvy companies can distinguish themselves. Also, Tax ID theft remains a growing problem that can impact people for years. Know the two important steps tax filers can take now to protect their identity.
Customer No-Service: Segment 1
Ask Clark: Segment 2
Tax ID Theft: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Customer Experience Gets Worse. Again.
Complaints are different when customers think a company cares — The Conversation
Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card
BBB-File a Complaint
NYTimes: First a Victim of Tax Return Identity Theft, Then a 2-Year Wait for a Refund
NYTimes: Rampant Identity Theft Is Taxing the I.R.S.
How To Deal With Tax Return Identity Theft
Why You Do Not Want To Get a Big Tax Refund Check
Reduce your withholding to beat tax refund ID thieves
Why automatic savings works: How to do it & the best ways to save
Get An Identity Protection PIN | Internal Revenue Service
Rolling PWN Attack / How to protect your keyless car from theft
Scam Alert: How To Protect Yourself From Voice Cloning
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16/07/24•30m 18s
07.15.24 Avoiding Disney Debt + Fall Travel / Perspective On AI In The Workplace
In this episode - A new stat reveals what percentage of parents go into debt taking their children to Disney. You won’t believe it. Plus Clark has good news & booking tips for fall travelers. Also, AI is certainly shifting the landscape of many industries. So how can workers prepare for the changes it will bring?
Disney Debt & Fall Travel: Segment 1
Ask Clark: Segment 2
AI & The Job Market: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What's the Best Way To Get a Deal on Disney Hotels and Resorts?
Disney trips lead to debt for almost 50% of parents with young children, study finds
Holiday Travel Is Booming. Why Are Airlines Doing So Badly? WSJ
Beware of This Hot Vacation Rental Scam
When You Don't Need 'Cancel for Any Reason' Travel Insurance
Cancel for Any Reason Trip Insurance: Should You Buy It?
How to post a hotel review online without getting any blowback
BBB-File a Complaint
Five things Gen Z should do to prepare for AI in the workplace
How To Prevent, Report and Repair Identity Theft
How to Freeze Your Credit With Experian, Equifax and TransUnion
FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans
Liability vs. Full Coverage: Which Auto Insurance Do You Need?
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15/07/24•34m 40s
07.12.24 Clark Answers His Critics on Clark Stinks / PBMs and Your Rx Costs
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses how he handles prescriptions in order to save money, and announces our new cash back credit card tool at Clark.com
Clark Stinks: Segments 1 & 2
PBMs and Your Rx Costs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CREDIT CARDS - Clark.com
Why Our Travel Expert Thinks This New Tool Is a “Game Changer”
7 Ways To Maximize Credit Card Rewards in 2024
ICS® & CDARS
Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?
Warning: Why You Should Never Buy Visa Gift Cards
What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature?
NYTimes: The Opaque Industry Secretly Inflating Prices for Prescription Drugs
NYTimes: What to Do if You’re Overpaying for Prescriptions
Amazon Pharmacy expands $5 monthly subscription to Medicare patients
10 Ways To Save on Prescription Drugs
Will Mark Cuban's Prescription Company Really Save You Money?
Team Cuban Card - Home
Hospitals Are Refusing to Do Surgeries Unless You Pay in Full First
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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.
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12/07/24•32m 17s
07.11.24 SAVE MORE At The Grocery Stores / More Efficient Home Building Now!
Americans are learning to save more on groceries - Clark tells you how. Also, Clark discusses the REAL problem with the housing market in America and solutions that exist - mostly elsewhere. We need to get on this now.
Save More On Groceries: Segment 1
Ask Clark: Segment 2
Innovate Home Building: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
US shoppers tighten their belts in a most unlikely place: the grocery store
Axios: What's behind the summer of discounts
Axios: The case for grocery price progress
WSJ: The Era of One-Stop Grocery Shopping Is Over
How to Save Money on Groceries: 22 Clever Ways
6 Best Apps To Save Money on Groceries
Why You Should Never Use Roadside Assistance
These beliefs are what separate wealthy people from everyone else
Are You Rich? The Amount Americans Need To Live Comfortably
NYTimes: How an American Dream of Housing Became a Reality in Sweden
These concrete homes want to take over your subdivision
Rollovers From a 529 Plan to Roth IRA: What to Know
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11/07/24•33m 38s
07.10.24 Apps That Spy On Your Driving / Know Your Credit Report
Now we’re learning that some apps are spying on drivers for the insurance industry - apps that could be on your phone right now. Also, when’s the last time you checked your credit report? Clark explains why you should check routinely, and how to fix errors, which - unfortunately, are very common. Know the 3 things you can do right now to protect your credit.
Apps That Spy On How You Drive: Segment 1
Ask Clark: Segment 2
Credit Report Errors: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Is Your Driving Being Secretly Scored?
How Strict is the 20/3/8 Rule When Purchasing a Car?
How To Buy a Used Car
Credit report errors are more common than you think. Here's how to dispute one -USA TODAY
How To Get a Free Credit Report (Clark.com)
How to Freeze Your Credit With Experian, Equifax and TransUnion
How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees
HP subscription plan // Where To Buy the Best Cheap Printer
Should I Update My Income With My Bank or Credit Card Company?
Should You Ever Decline a Credit Limit Increase?
How Many Credit Cards Should I Have?
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10/07/24•29m 4s
07.09.24 Clark Changes Cell Providers / “Spaving” - The Discount Scheme
In today’s episode, Clark shares why he recently switched cell phone carriers, what the process was like, and which company he’s with now. There are so many opportunities to save on your monthly bill! Speaking of saving - is it really saving when you spend more to get a bigger discount? Clark talks about “spaving”.
Clark’s Cell Carrier Switch: Segment 1
Ask Clark: Segment 2
The “Spaving” Trap: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
AT&T, T-Mobile, and Verizon get beaten by small carrier in customer satisfaction - PhoneArena
Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile
Report: The Best Cell Phone Providers in America (Clark.com)
Cheap Phone Plans: Get Exactly What You Want at the Cheapest Price
Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
Should You Buy Cell Phone Insurance? (Clark.com)
These Credit Cards Will Replace Your Stolen or Damaged Phone (Clark.com)
When Companies Ask for Your Social Security Number, Try Saying No - WSJ
How to Freeze Your Credit With Experian, Equifax and TransUnion
Buy two, get one half off? How 'spaving' discounts can derail your finances
4 free services to thwart the identity thieves lurking in your mailbox
Best 529 College Savings Plans By State
How To Find and Choose a Financial Advisor
How to Settle an Estate
6 Things To Know About Series I Savings Bonds
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09/07/24•35m 4s
07.08.24 USAA Customer No-Service / Full Commission Brokerages
Today, Clark discusses USAA concerning the terrible customer-no-service we are hearing about in every area of their business - and the fraud going on from bank hackers in general. There are steps you can take to better secure your financial accounts. Also, doing business with a big broker does not mean you are going to have big cash returns. Clark explains full commission vs discount brokers.
USAA & Bank Hacking: Segment 1
Ask Clark: Segment 2
Brokerage Choice & Fiduciaries: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Military and Veterans Guide: Free Resources for Your Finances
USAA members say the bank is doing little to stop hackers
‘It's just a nightmare’: More and more USAA members who lost thousands of dollars are sharing stories of fraud
USAA: 10 Things To Know Before You Get an Auto Policy
AI Is Helping Scammers Outsmart You—and Your Bank
How secure are banking apps? Here are some key steps all banks – and users – should be following — The Conversation
A Hacker Tried and Failed To Get Into My Account. Now What?
How To Open a Roth IRA
Target Date Funds: Clark's Favorite Retirement Investment
Morgan Stanley Sued Over Paltry Rate It Pays on Client Cash
Best Investment Companies for Investors in 2024
Why Big Banks Are a Bad Place for Your Cash
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
Wealthfront Review: How It Works, Pros & Cons
5 Best Robo-Advisors in 2024
Credit Karma Review: Free Credit Score and More at Your Fingertips
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08/07/24•30m 18s
07.05.24 BEST OF: Clark Answers His Critics on Clark Stinks / WARNING: Old 401(k)s At Risk
Happy 4th of July Weekend! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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
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05/07/24•32m 55s
07.03.24 BEST OF: Workplace Etiquette / The Power Of Consumers
Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
Because of the pandemic, many employees are entering an office environment for the first time, and companies are having to conduct special training to help them adjust. Clark has sage advice for remote workers making the transition into corporate culture. 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
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03/07/24•30m 18s
07.02.24 BEST OF: Back To Basics: Exchange Traded Funds / Health Insurance Prior Authorizations
Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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?
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Public.com+Public Investing Disclosure: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.
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02/07/24•33m 49s
07.01.24 BEST OF: Check Theft Skyrockets / Homeowners Insurance: Know Before You Buy
Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off!
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
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01/07/24•28m 52s
06.28.24 Clark Answers His Critics on Clark Stinks / Dining Out: Restaurant Changes
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about the changing nature of dining out, including shortened restaurant hours and the use of robots - trends that show how businesses adapt to labor shortages and other challenges. And Clark and producer Grace reflect on the personal and national significance of the 4th of July. Clark returns after next week. Have a wonderful 4th of July Holiday!
Clark Stinks: Segments 1 & 2
Dining Out Is Changing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Freeze Your Credit With Experian, Equifax and TransUnion
NYTimes: Feeling Consumers’ Pain, Retailers Bring Back Discounts
When Should You File a Claim on Your Homeowners Insurance?
SmartPlug Instant Hot Water Control
The robots preparing to get their hands on your lunch
[The Washington Post] The new dining reality: Smaller groups and shorter weeks
Axios: Restaurants are having their biggest year ever
Clark Warns Major Changes To Credit Card Rewards Are Coming Soon
In California, Hotels and Rentals Must Reveal Fees Upfront. What Does That Mean for You?
Fourth of July - Origins, Early Celebrations & Traditions
A message from Clark about the 4th of July
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28/06/24•31m 33s
06.27.24 Back To Basics: 403(b) & 401(k) Plans / The No-Buy Challenge
Today Clark goes back to basics on 403(b) plans and 401(k)s. And Speaking of saving, how about saving way more by doing a no-buy (except for necessities) month? Some people are managing to do just that!
403(b) & 401(k) Plans: Segment 1
Ask Clark: Segment 2
The No-Buy Challenge: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Is a 403(b) and How Does It Work? (Clark.com)
Pros and Cons of 403(b) Plans
What Is a 401(k) Plan and How Does It Work?
Pump Up Your 401(k). New Roth Rules Make It Easy
NYTimes: Was the 401(k) a Mistake?
About 1 in 4 US adults 50 and older who aren't yet retired expect to never retire, AARP study finds
10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money
Best Investment Companies for Investors in 2024
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
How To Open a Roth IRA
403bwise: The K-12 403(b) is broken. Together we can fix it.
Credit Karma Review: Free Credit Score and More at Your Fingertips
What Is a Good Credit Score?
Axios: The no-buy challenge / Axios: No-buy revolution
More people make 'no-buy year' pledges as overspending or climate worries catch up with them
Tempted to try a no-buy year? Here are tips from people doing it
Is an HSA the Best Way To Save for Future Medical Expenses?
Where Should I Set Up My Health Savings Account (HSA)?
The Best Places To Buy Hearing Aids
Stash puts the power of investing in the palm of your hand
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27/06/24•29m 7s
06.26.24 Successful Small Businesses ACE Competition / Save On Amazon Devices
Smaller retailers being beaten by Goliath big box stores is an ongoing concern. Clark discusses a notable exception and their secret to success. Also, if you’ve purchased Amazon’s electronics brands over the years, Clark has a money saving tip to keep in mind.
Small Business Success: Segment 1
Ask Clark: Segment 2
Save On Amazon Electronics: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How Ace Hardware, America’s neighborhood hardware store for 100 years, is beating its big-box rivals
How to Deal With Medical Debt
Can a Patient Advocate Help With Your Medical Bills?
De Beers Will Quit Growing Diamonds for Jewelry | National Jeweler
7 Places to Get the Best Deals on Lab-Created Diamonds
Key Savvy EV Credit
Buy a lot of Amazon gadgets? You could get 20% off each time
Clark Deals - TABLETS
Best Budgeting Apps in 2024: Our Top 5
Have a CD Maturing Soon? How Letting It Roll Over Could Really Cost You
Are Airline Miles Worth It?
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26/06/24•32m 46s
06.25.24 Shop Mortgage Lenders / What To Know About Shein & Temu
Today, Clark talks about how much you can save by shopping mortgage rates. The difference can mean a savings of 6 figures over the life of a loan. Later - how do Shein and Temu keep their items so cheap?
Comparison Shop Mortgages: Segment 1
Ask Clark: Segment 2
Shein & Temu: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
New York Post: 5 states where homebuyers could save more than $100K by comparison shopping for a mortgage
How to Get a Mortgage in 8 Steps
[How To Find and Choose a Financial Advisor (Clark.com)
Advice Only Network / Flat Fee Advisors]
What Is Umbrella Insurance and Do You Need It?
No-tariff shipments popular with Shein, Temu hit US customs speedbump
Is Temu Legit? 4 Things To Know
9 Things You Should Always Buy Used
Stitch Fix Review: 4 Things To Know Before Signing Up
9 tricks to slash spending on clothes
How to Buy a New Car in 5 Steps / How To Buy a Used Car
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25/06/24•34m 9s
06.24.24 Clark’s Fix For Social Security / Student Loan Rates & Alternatives
Clark explains the problems with Social Security funding, and how he would fix them. Another heated topic today - student loans. As interest rates on loans rise, Clark shares alternative ideas for funding college.
Social Security: Segment 1
Ask Clark: Segment 2
Student Loan Rates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Social Security’s Funding Crunch Worsens as the Top 6% Get Richer
Will Social Security Run Out? / When Is the Best Time To Collect Social Security?
Why Clark Says Everyone Should Have a Dash Cam
Is Medical Tourism Right for You? (Clark.com)
Top 7 Things to Look for When Choosing a Medical Tourism Facilitator
What Is a 1031 Exchange? Know the Rules - Investopedia
NYTimes: Interest on Federal Student Loans Is Rising to 6.53%-Education Dept. announces highest federal student loan interest rate in more than a decade
Brands from Burger King to Coke to Lockheed Martin are leaning in on scholarships to capture Gen Z
How to find an internship in the federal government / Education Archives - Clark Howard
What Is Mean Reversion, and How Do Investors Use It?
Reserve Officers' Training Corps (ROTC) Program
Credit Card Car Rental Insurance: What You Need To Know (Clark.com)
Should I Buy Additional Insurance From a Rental Car Company?
The Hospital Mistakenly Charged Me $25,000 for a Rabies Shot. What Do I Do?
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24/06/24•30m 47s
06.21.24 Clark Answers His Critics on Clark Stinks / Back To Basics: Home Renovations
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later - home renovations have slowed way down, and suddenly it isn’t taking as long to hire a contractor. So when does it make sense to renovate?
Clark Stinks: Segments 1 & 2
Home Renovations: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Do I Really Need To Put Premium Gasoline in My Vehicle?
Where Should I Set Up My Health Savings Account (HSA)?
Best Travel Credit Cards: Top Rewards Picks for 2024
5 Steps To Getting a Good Deal on a Hotel Room
The Points Guy - Maximize your travel.
uShip Review: 5 Things To Know Before You Use the Shipping Service
Submit a complaint | Consumer Financial Protection Bureau
Spending on home renovations slows, but high remodeling costs mean little relief in sight for buyers
The Only Reason You Should Make an Improvement to Your Home
6 Tips for Hiring a Contractor
Here's How Long Your Home Appliances Should Last
Should I Turn To Costco for a Home Renovation Project?
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21/06/24•31m 44s
06.20.24 Clark’s Birthday & Health Update / Safest Vehicles For Teen Drivers
Today - Clark’s Birthday, presents an opportunity to update his health journey and share recommendations from the Prostate Cancer Foundation during Men’s Health Month. Also, a top concern is the safety of our teen drivers. There’s a great new collaborative list of the most reliable used cars under $10,000 for teens to drive.
Clark’s Birthday & Cancer Update: Segment 1
Ask Clark: Segment 2
Safest Cars For Teens: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard and the Prostate Cancer Foundation
ETIAS - travel to Europe - European Union
BBB-File a Complaint
New Report: The Safest Cars for Teens
The safest used cars for teen drivers
CR - Safe Vehicles For Teens
Are Money Market Accounts As Safe as High-Yield Savings Accounts?
ICS® & CDARS
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20/06/24•32m 33s
06.19.24 Longevity Considerations / Power Grid Blackouts
There’s a lot of talk about living to 100 and beyond these days. Longevity science is a big business, but along with living longer, we need to ensure our financial security. Also, get Clark’s take on recent reports concerning potential lengthy power blackouts.
Health & Financial Longevity: Segment 1
Ask Clark: Segment 2
Power Grid Blackouts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Blue Zones: A Blueprint for Adapting Health and Financial Security into Longevity
The booming business of eternal youth
Vanguard Review: Pros & Cons
How To Choose the Best Charities for Your Donations
What's the Best Way To Donate to a Charity?
Cheap Phone Plans: Get Exactly What You Want at the Cheapest Price
[The Washington Post] Where heat waves might cause blackouts: Look up your area
This Boston startup created renewable energy storage that’s 10 times cheaper than lithium-ion batteries
8 Things To Know Before You Fly Frontier Airlines
Stacked vs. Unstacked Auto Insurance: 2024 Guide
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19/06/24•29m 51s
06.18.24 Auto Theft Prevention / Work From Home Job Scams
Today - auto theft is a huge problem around the country, and thieves have figured out a way to duplicate your car keys by intercepting the signal, often from outside your home. Clark shares a cheap easy way to help prevent this. Also, key warnings if you’re looking for a remote job, as unfortunately we’re hearing from a lot of job seekers who’ve been ripped off by employment-related scams.
Prevent Car Theft: Segment 1
Ask Clark: Segment 2
Remote Job Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to protect your keyless car from theft
Search: Key Fob Pouch Protectors
How To Find Cheap Flights in 3 Easy Steps
Using Cellular Data Internationally: Buying a Local SIM Card
5 Steps To Getting a Good Deal on a Hotel Room
How To Plan a Trip: Clark’s Best Travel Tips To Save Money
Target Date Funds: Clark's Favorite Retirement Investment
How To Open a Roth IRA
Watch for these red flags when searching remote job listings
If you're out of work, don't fall for a phony job offer
Submit a complaint | Consumer Financial Protection Bureau
6 Things To Know Before Contacting the National Foundation for Credit Counseling
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18/06/24•30m 41s
06.17.24 HOMEOWNERS: Title Fraud Prevention / Are You Underinsured?
The recent fraud attempt against Graceland has reignited concerns about title fraud. Clark shares 3 ways to protect against the rare but heinous crime of property theft. Also, we’ve talked a lot about the rising cost of homeowner’s insurance, but the biggest problem many of us face is being underinsured.
Guard Against Title Fraud: Segment 1
Ask Clark: Segment 2
Adequate Home Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Scammers Tried to Sell Graceland. How to Prevent Your Home From Being Next.
Home Title Lock: Is It the Same As Home Title Insurance? (Clark.com)
What Is Owner’s Title Insurance and Do You Need It? (Clark.com)
How to Freeze Your Credit With Experian, Equifax and TransUnion
uShip Review: 5 Things To Know Before You Use the Shipping Service
Can YouMail Really Put an End to Robocalls?
[The Washington Post] Home insurance was once a ‘must.’ Now more homeowners are going without.
Best And Worst Homeowners Insurance Companies (Clark.com)
9 Ways To Lower Your Home Insurance Premiums (Clark.com)
Dept. of Energy - HEAT PUMPS
How To Buy Term Life Insurance in 7 Easy Steps
Clark Howard's Advice on Buying Gold
Should You Buy Gold at Costco?
Clark.com - Invest & Retire
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17/06/24•31m 18s
06.14.24 Clark Answers His Critics on Clark Stinks / Invest & Retire: Time Is Money
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, only around 52% of employees with retirement plans offered through their employer are contributing. Clark shares statistics that will encourage workers to start saving asap for retirement.
Clark Stinks: Segments 1 & 2
SAVING - The Sooner The Better: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Save Money on Utilities
8 Tips for Staying Cool Without Heating Up Your Energy Bill
12 Things You Never Knew You Could Get From Your Local Library
Kaizen: Understanding the Japanese Business Philosophy
The Earlier You Take Advantage of Your 401(k), the Better
401(k) Calculator With Match
Clark.com - INVEST & RETIRE
Retailers use police-like investigation centers to fight theft. Shoppers pay the price
How to Advocate for Yourself at the Dentist
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14/06/24•29m 46s
06.13.24 A Warning For Entrepreneurs / Airport Security - New TSA Screening Tech
Clark is a champion of entrepreneurship. Unfortunately, there are many multilevel marketing companies designed to make you think you’re really starting a business, when in actuality you are sinking your money into a hole. Also today - it’s officially summer travel season. What you see at airport security may surprise you.
Beware MLMs: Segment 1
Ask Clark: Segment 2
Airport Security Lines: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why Americans keep getting roped into multilevel marketing schemes
What Is Long-Term Care Insurance Cost & Coverage
How To Prevent, Report and Repair Identity Theft
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
How Should I Handle Car Insurance for My Teenage Driver?
What Are Index Funds? / What Is an ETF?
3 Places You Should Never Invest Your Money
Best Investment Companies for Investors in 2024
Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
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13/06/24•32m 8s
06.12.24 Money Well Spent / Housing Market Update
Today, Clark encourages you to spend on something of vital importance, because ultimately, it will help you SAVE MORE. Also today - There’s a shift taking place in the housing market. Clark provides an update.
Investing In Health: Segment 1
Ask Clark: Segment 2
Housing Market Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Your level of physical activity could be a vital sign
15 of the Best Free Workout And Fitness Apps
Follow the 'Minute Rule' to make exercise a daily habit
[What Is Service Line Insurance and Do I Need It? (Clark.com)]
4 Insurance Policies You Actually Need (and 6 You Don't)
Housing market inventory is shifting. Here's what the data shows
Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?
Betterment Review: How It Works, Pros & Cons
Wealthfront Review: How It Works, Pros & Cons
5 Best Robo-Advisors in 2024 / Best Financial Advisors in 2024
Fidelity Personalized Planning & Advice Review
Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
How to Buy a New Car in 5 Steps // How To Buy a Used Car
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12/06/24•34m 24s
06.11.24 Technology Vs Privacy / How To Deal With Hospital Bills
Various devices we use in our lives from alarm systems to fitness trackers - collect personal data. Clark discusses how to balance protecting your privacy with utilizing modern technology. Also today, huge bills that arrive after a hospitalization are often far from accurate. Clark shares strategies for dealing with these, and potentially lowering the costs.
Technology Vs Privacy: Segment 1
Ask Clark: Segment 2
Medical Bills: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Do you really own the digital items you paid for?
When companies share your personal information without your permission
Why Walmart bought TV-maker Vizio for $2.3 billion - Axios
F.S.A. vs. H.S.A.: What to Know About the Accounts That Pay Medical Costs
Where Should I Set Up My Health Savings Account (HSA)?
Are you confronting a big medical bill? Attack it with a plan — and these tips
How to Deal With Medical Debt - Clark.com
Can a Patient Advocate Help With Your Medical Bills?
Unlimited Plans Comparison: T-Mobile vs. AT&T vs. Verizon
Automatic Bill Pay: How It Works and How To Do It Safely
My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe?
Airlines you can book using Avios: How to maximize your points
Point.me /// Going™ | Formerly Scott's Cheap Flights
How To Choose the Best Charities for Your Donations
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11/06/24•33m 59s
06.10.24 Which Documents Should You Keep? / Safeguarding Our Seniors
Keeping your finances organized creates more efficiency and less stress in your life. Today Clark goes back to basics on what kind of documentation you should keep, and for how long. Also, millions of our aging loved ones are aggressively targeted and collectively scammed out of billions each year. Clark offers adult children some direction for becoming proactive, in order to help protect vulnerable seniors.
Your Important Documents: Segment 1
Ask Clark: Segment 2
Protecting Our Elders: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Advice | Keep these 10 financial documents forever. Scan and shred the rest.
Which Documents Should You Keep and for How Long? (Clark.com)
Calculators - Clark Howard
The Easiest Way to Start Saving for Retirement When You’re Saving Zero Right Now
How Much of Each Paycheck You Should Save or Invest
5 questions to ask when helping an older parent with money
Seven Ways to Protect Older Adults from Financial Abuse
Living Will and Durable Power of Attorney: Frequently Asked Questions
Target Date Funds: Clark's Favorite Retirement Investment
What Are Index Funds? /// What Is an ETF?
How To Find and Choose a Financial Advisor
AAA Membership: Is It Worth It?
Why You Should Never Use Roadside Assistance
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10/06/24•29m 49s
06.07.24 Clark Answers His Critics on Clark Stinks / Your Retirement Lifestyle
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Retirement can be the beginning of a wonderful new life! But it can also present serious challenges after a lifetime of working, including depression. Clark talks about avoiding this pitfall, and making the most of your golden years.
Clark Stinks: Segments 1 & 2
Joy In Retirement: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Costco vs. Sam's Club: What Is the Difference?
Overdraft Protection: What Is It? Do You Really Need It?
5 Tips To Protect Your Digital Privacy
How age-friendly universities can improve the second half of life — The Conversation
Why Retirees Are Going Back to College
What the Heck is a Core Pursuit?
Five Things I Wish I’d Known Before I Retired
The Center for Auto Safety: Learn the latest news in auto safety.
Virtual Credit Cards: An Online Security Measure Worth Taking?
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07/06/24•31m 52s
06.06.24 Become A Price Negotiator / Warning: Dietary Supplements & Protein Powders
Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements.
Price Negotiation: Segment 1
Ask Clark: Segment 2
Warning: Dietary Supplements: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
A Guide To Negotiating For Cars, TV Bills, Home Renos And More
Is It Worth Buying High-End Appliances?
Here's How Long Your Home Appliances Should Last
The best time and place to buy appliances
Submit a complaint | Consumer Financial Protection Bureau
Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation
How To Avoid Fraud With Herbal Supplements
ConsumerLab.com / NSF International / U.S. Pharmacopeia
Consumer Federation of America Life Insurance Rate of Return Service
How To Find and Claim Missing Money in Your Name
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06/06/24•33m 28s
06.05.23 Back To Basics: Cryptocurrency / Financial Ed Begins At Home
Clark checks in on the current state of cryptocurrency - where it’s been, where it’s going. Also today, a look at the financial education young students are getting - including the FiCycle curriculum, and how you can start teaching them at home.
Cypto Basics: Segment 1
Ask Clark: Segment 2
Financial Education: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What Clark Howard Thinks of 'Crypto Winter' After Big Crash
Axios: SEC sends Robinhood's crypto business Wells Notice
Robinhood Markets receives SEC notice for alleged securities violations at crypto unit
Why You Should Never Mail a Check
NYTimes: The Key to Better Math Education? Explaining Money.
Why Clark Howard Uses Unit Price To Save Money When Shopping
How to Teach Young Kids About Money
When Is the Best Time To Collect Social Security?
Best Travel Credit Cards: Top Rewards Picks for 2024
DOT - File a Consumer Complaint
Submit a complaint | Consumer Financial Protection Bureau
BBB-File a Complaint
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05/06/24•32m 4s
06.04.24 Don’t Get Burned On Sunscreen / Auto Repair Costs & Warranties
Today - What summer sunscreen shoppers need to know about effective, affordable skin protection. Also - Perennial questions about owning car warranties have only increased in the age of modern vehicles - basically computers on wheels that are more expensive than ever to repair. Clark shares new data & direction on warranties.
Choosing Sunscreen: Segment 1
Ask Clark: Segment 2
Auto Repair Costs & Warranties: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
SUNSCREEN - Consumer Reports
NYTimes: How to Avoid One of the Deadliest Forms of Skin Cancer
Fender benders mean serious high-tech repairs now
Should You Buy an Extended Warranty on Your Car?
Buying Gas From a Station on This List Is Better for Your Car
What's the Best Way To Send Money Overseas?
What’s the Best Way To Exchange Dollars for Foreign Currency?
5 Money Tips To Know Before You Travel Abroad
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04/06/24•33m 4s
06.03.24 Managing Travel Rewards / Smart Shopping Carts - A Review
Using reward points for summer airfare and hotels has been a great way to save over the years, but operators have long been devaluing these programs, and are limiting how you can earn those points. Know how to better manage the moving targets that are today’s variable travel rewards. Also, a special guest: Our man Anthony visited Manhattan’s Fairway Market, and reports on the latest version of cashier-less tech - the automated shopping cart.
Travel Loyalty Points: Segment 1
Ask Clark: Segment 2
Smart Shopping Carts: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
American Airlines No Longer Awards Miles On Most Third Party Bookings - View from the Wing
NYTimes.com: To Protect Your Miles, Be Careful How You Book
Find Best Flight Deals With Free American Express Tool Point.me
Why Our Travel Expert Thinks This New Tool Is a “Game Changer”
How To Open a Roth IRA
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
10 Ways To Save Money on Car Insurance
[NY Post] Future of shopping: Instacart debuts AI-driven 'smart carts' to NYC retailers
No more 'just walk out' at Amazon grocery stores. The new bet is smart shopping carts
Amazon’s cashier-less technology was to revolutionize grocery shopping. It’s been a flop
Amazon Ditches "Just Walk Out" Checkouts at Its Grocery Stores
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03/06/24•23m 43s
05.31.24 Clark Answers His Critics on Clark Stinks / Back To Basics: Life Insurance
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, something many of us need but generally ignore is life insurance. Clark helps you take it off the back burner and take care of business, with info on how much you need and how to buy it.
Clark Stinks: Segments 1 & 2
Life Insurance 101: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Warning: Why You Should Never Buy Visa Gift Cards
How Do I Use All the Funds on My Virtual Gift Card?
The One and Only Exception to Clark Howard's 'No Gift Card' Rule
Travel Insurance: What You Need To Know Before You Buy
Mint Mobile Review: 6 Things To Know Before You Sign Up
3 Things To Know About Amazon Pharmacy Before You Sign Up
Why It's Still Better To Fill Prescriptions at Costco Than Amazon
10 Ways To Save on Prescription Drugs
How Much Life Insurance Do I Need? - Clark.com
Best Term Life Insurance Companies, Plans & Coverage
Life Insurance Archives - Clark Howard
Quotacy: Quote, compare and buy life insurance online
Vacations To Go: Can You Find Bargain Cruises?
Costco Travel: 5 Things To Know Before You Book
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31/05/24•33m 7s
05.30.24 The Magic Number For Retirement / Investing: A Cautionary Tale
How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary.
How Much Do You Need To Retire?: Segment 1
Ask Clark: Segment 2
Risky Investment Pitches: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The “Magic Number” Needed to Retire Comfortably Is More Than You Think
Americans Believe They Will Need $1.46 Million to Retire Comfortably According to Northwestern Mutual 2024 Planning & Progress Study - Apr 2, 2024
Retirement crisis looms as Americans struggle to save
How Much Do You Need To Retire?
How to Start Investing: 10 Steps (Clark.com)
How To Save Money: Spend Less & Build Your Savings
Warning: Here’s What Those Debt Settlement Companies Don’t Tell You
Clark Howard's 2024 Credit Card Debt Elimination Strategy
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Best 529 College Savings Plans By State
How To Open a Roth IRA
The AJC: Atlanta hedge fund manager charged in $10M fraud scheme
Best Financial Advisors in 2024
Should You Make Your Child an Authorized User on Your Credit Card?
Best Credit Cards for Students: Top Picks for 2024
Travel Archives - Clark Howard
4 Ways To Get Your Free Credit Score
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30/05/24•34m 15s
05.29.24 Update: Big Bank Savings Rates / Small Business Loan Warning
Clark discusses the big bank response to higher savings rates and spells out your options to make the most of your savings. Also today - small business owners are stuck between a rock and a hard place when it comes to borrowing money. Beware “quick” loans. Clark has a better way.
Maximize Your Savings Rate: Segment 1
Ask Clark: Segment 2
Legal Loan Sharks Plague Small Business: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Banks pay savers more as ‘higher-for-longer’ rates hit interest income
Clark.com - Best High-Yield Online Savings Accounts
Montway Auto Transport: Top-Rated Auto Transport Company
uShip Review: 5 Things To Know Before You Use the Shipping Service
Facebook Marketplace Scams: Everything You Need to Know
Small businesses are still struggling to get financing, a year after bank failures
Best Small Business Credit Cards: Top Picks for 2024 (Clark.com)
Best Cash Back Credit Cards With No Annual Fee in 2024
Best 2% Cash Back Credit Cards: 8 Options in 2024
Warning: Why You Should Never Buy Visa Gift Cards
Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members
How To Get the Best Price Possible Shopping Online
Clark Deals - Today's Best Deals of the Day
How To Spot a Fake Online Store in 6 Easy Steps
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29/05/24•31m 7s
05.28.24 Continuity Of Healthcare / Arrival: Self-Driving Trucks
Today - you may have heard that Walmart is closing its health centers. With the failure of this healthcare option, along with the state of the clinic attempts made by Walgreens & CVS, there’s an important healthcare takeaway to be prepared for. Also, are you ready to see a driverless tractor-trailer on the road? Are they safe?
Your Primary Care Physician: Segment 1
Ask Clark: Segment 2
Autonomous 18 Wheelers: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
NYTimes: Walmart Is Shutting Health Centers After Plan to Expand
Walmart to close its 51 health centers, virtual care service
Walmart says it will close its 51 health centers and virtual care service
My Neighbor’s Dead Tree Is About To Fall on My House. What Do I Do?
Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?
Why Are Retailers Adding an Additional $1 Charge on My Credit Card?
How Many Bank Accounts Should You Have? - Clark Howard
Self-driving trucks are ready to roll
Want To Guard Your Privacy Online? Search the Web With DuckDuckGo
DuckDuckGo - Get Email Protection: More Privacy, Same Inbox
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28/05/24•31m 46s
05.24.24 Clark Answers His Critics on Clark Stinks / Paying For Adult Children
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic, linked here and we invite you to share thoughts on financially supporting adult children.
Clark Stinks: Segments 1 & 2
Paying For Adult Children: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Streaming TV - Clark.com
Do I Really Need To Put Premium Gasoline in My Vehicle?
How to Get Your Kids to Step Off the Gravy Train
60% of Parents Pay Bills For Adult Children. Do You?
When it’s time to financially cut off your adult children
Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any?
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24/05/24•33m 53s
05.23.24 Buyers Strike In The Grocery Aisle / Investment Property Purchase Rule
Clark has never been a fan of brand names, and it seems he’s been ahead of the curve. Now consumers, sick of high prices, are fighting back. New private labels are popping up and it’s great for our wallets. Also today, with short-term rental bans proliferating, Clark has a key rule for purchasing investment property.
Private Label Store Brands Vs Big Brand Names: Segment 1
Ask Clark: Segment 2
Buying Investment Property: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Consumers Fed Up With Food Costs Are Ditching Big Brands
Barrons: Walmart Is the Nation’s Largest Grocer. Why It Added a New Private Label Food Brand.
Walmart Takes On Trader Joe’s and Whole Foods With New Premium Brand - WSJ
How to Save Money on Groceries: 22 Clever Ways - Clark.com
Are Airbnbs banned in Hawaii? New law seeks to crack down on short-term rentals -USA TODAY
What Is a 1031 Exchange? Know the Rules
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23/05/24•28m 11s
05.22.24 An Update On Series I Savings Bonds / No-Show Fees
Today, an important update on Inflation Savings Bonds. Clark explains how these bonds work over time and the advantage of owning new Series I Bonds. Also, extra fees have been a topic on the show in recent years. There’s a new fee in town making a splash - Clark tells you how to avoid it.
UPDATE - Series I Savings Bonds: Segment 1
Ask Clark: Segment 2
Cancellation & No-Show Fees: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Barrons: Treasury Sets New Rate of 4.28% for I Bonds as Inflation Ebbs
6 Things To Know About Series I Savings Bonds
The Era of ‘No-Show’ Fees Is Here—and It’s Going to Cost You - WSJ
Should You Stay With Vanguard Despite the New Fee Announcement?
NolahMattress - Is It Legal to Sell a Used Mattress? A State-by-State Guide
The Best Place To Buy a Mattress
How Can I Get Rid of My Old Mattress Cheaply?
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22/05/24•30m 21s
05.21.24 Clarkonomics: How The U.S. Compares Globally / Clark Changes His Mind
Clarkonomics! Clark discusses how the US economy stacks up against the rest of the world, including concerns about our deficit. Also, Clark and Christa have a long running disagreement about a payment practice. Christa was right. Clark has changed his mind.
Clarkonomics: Segment 1
Ask Clark: Segment 2
Automatic Payments: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The US dollar is strengthening. Here’s what’s driving the rally and what it means for Americans
America’s debt problem is storing up trouble for the rest of the world
Inflation Is Stubborn. Is the Federal Budget Deficit Making It Worse?
Stubborn Inflation Could Prod Fed to Keep Rates High for Longer
With Inflation This High, Nobody Knows What a Dollar Is Worth
Where Should I Set Up My Health Savings Account (HSA)?
Florida Department of Agriculture and Consumer Services (FDACS)
Money Talk with Liz Weston: Can my credit score really be marred over $20?
Automatic Bill Pay: How It Works and How To Do It Safely
Credit Score Guide / Should You Get a Store Credit Card?
Is a Self-Directed Real Estate IRA Right for Your Retirement?
Real Estate Investing: What To Know BEFORE You Start
What Should You Do if Your Insurance Claim Is Denied?
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21/05/24•28m 35s
05.20.24 International Phone Use / Warning: The Toll Collection Scam
In this episode - did you hear about the T-Mobile customer who received a six figure bill for an international trip? Get Clark smart advice for traveling overseas with your phone. Also today - there’s a new warning out about a scam trying to collect money from you from phantom tolls.
International Calling: Segment 1
Ask Clark: Segment 2
Toll Collection Scam Warning: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
PhoneArena: This T-Mobile customer got a $143442.74 bill after a three-week Switzerland vacation
The Best International Phone Plans
Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons)
Hello Mobile
How To Choose the Best Charities for Your Donations
What's the Best Way To Donate to a Charity?
Alert: FBI issues warning on toll road smishing scam
USA TODAY: Road toll 'smishing' texts on the rise, FBI says: Here's what to know
E-ZPass Group - Home
T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
How To Prevent, Report and Repair Identity Theft
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20/05/24•29m 26s
05.17.24 Clark Answers His Critics on Clark Stinks / Home Renting Vs. Buying
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, we’ve talked a lot about renting vs. buying in today’s housing market. New data makes a compelling argument and provides direction for aspiring homeowners.
Clark Stinks: Segments 1 & 2
Rent Vs Buy A Home: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Best 529 College Savings Plans By State
Homes at Menards®
Insurers Are Spying on Your Home From the Sky
Axios: Unpacking the productivity surge
Where should I place a carbon monoxide detector?
The $10 Travel Essential Clark Howard Always Packs
Big city dwellers are better off renting than buying a home everywhere, analysis says - USA TODAY
One-Third of Parents Are Paying An Adult Child's House Down Payment? Are You?
Map: Here's Zillow's updated home-price forecast for more than 400 housing markets
The cost breakdown of building a single-family home
The Only Reason You Should Make an Improvement to Your Home
29 home remodeling projects that offer the best payback
6 Tips for Hiring a Contractor
Senior Planning
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17/05/24•31m 51s
05.16.24 Clark’s Home Security Sales Pressure Pitch / Choosing A Veterinary Clinic
Today, Clark shares a personal story about a sleazy sales call he received from one of the big alarm companies - tied to an internet provider. Also in this episode, pet owners need to understand what’s going on in the veterinary medicine profession so they can choose wisely, and protect their wallets.
DIY Home Security: Segment 1
Ask Clark: Segment 2
Veterinary Bills: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
ADT USA Reviews | Read Customer Service Reviews of adt.com
Your Guide to DIY Home Security Systems
Which Home Security Systems Rank Better Than Ring?
Turo: 5 Things To Know About the Cheap Car Rental Service
Credit Card Car Rental Insurance: What You Need To Know
My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance?
Why Your Vet Bill Is So High / Is Pet Insurance Worth It?
Best 529 College Savings Plans By State
Credit Karma Review: Free Credit Score and More at Your Fingertips
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16/05/24•30m 11s
05.15.24 Find A Trustworthy Financial Advisor / SAVE MORE On Storage Units
Finding a fiduciary financial advisor who ONLY works for your best interests can be difficult. New regulations may add protections for consumers, but it’s on us to know how to get the best guidance. Also, Americans have so much stuff that storage units have been overbuilt. If you have a unit, Clark has some money saving advice regarding your monthly fee.
Key Warning On Financial Advisors: Segment 1
Ask Clark: Segment 2
Storage Units: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Americans Deserve Straight Retirement Advice. They Work Too Hard for Their Money.
NYTimes: Who Can Be Trusted for Retirement Advice? New Rules Strengthen Protections.
WSJ: Advisers on Trillions in IRAs Must Now Put Your Interest First
What to Do When Your 401(k) Leaves Something to Be Desired
How To Find and Choose a Financial Advisor - Clark.com
What Is a Fiduciary Financial Advisor and Do I Need One?
The Clark Howard Podcast
The Headache at the End of the Costco Gold Rush - The WSJ
Should You Buy Gold at Costco? / Clark Howard's Advice on Buying Gold
NYTimes: Americans Went All-In on Self-Storage. That Demand Is Suddenly Cooling.
Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?
The #1 Bill You Should Get by Mail
Wirecutter: Stop Stressing About Turning Off the Lights When Leaving the Room!
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15/05/24•25m 44s
05.14.24 How To Really Buy A Used Vehicle / New Rules For Travel Rewards
In this episode - Clark takes you through the necessary steps for buying a used vehicle, including his number one rule, a key step neglected by a third of all buyers. Also today - are you traveling this summer? Airlines and hotels are changing the rules when it comes to earning points or miles.
How To Buy A Used Car: Segment 1
Ask Clark: Segment 2
Airline & Hotel Points: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
WSJ - Used-Car Sales Have Moved Online—Here’s Why Both Customers and Dealers Are Happy
How To Buy a Used Car - Clark.com
How to Buy a New Car - Clark.com
Should You Buy an Extended Warranty on Your Car? - Clark.com
Salvage Title: What it Means, How it Works - Investopedia
American Airlines Is Once Again Changing How Fliers Can Earn Rewards
Hotel Resort Fee Lookup Tool
Should You Ever Book a Nonrefundable Hotel Room?
How Does Booking Travel Through a Credit Card Rewards Program Compare?
How To Choose a Tour Company - Clark.com
When Do You Need a Travel Agent?
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14/05/24•37m 56s
05.13.24 Best Auto Insurance Companies / Non-Competes Under Attack
In this episode - we often see lists of the best auto insurance companies, but now Clark has discovered an industry database for body shops that rates insurers according to how claims are handled. Also, Clark hates covenants not to compete - a labor practice that’s now on the ropes. But the ban is messy. Clark explains.
A New Source For The BEST Auto Insurers: Segment 1
Ask Clark: Segment 2
Non-Compete Clauses: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
CrashNetwork - Top Rated U.S. Car Insurance Companies for 2024
Best Auto Insurance Companies -Clark.com
How to Shop for Lower Car Insurance - Clark.com
Ascensus Acquires Vanguard’s Small Business Retirement Plans
Target Date Funds: Clark’s Favorite Retirement Investment
Ban on non-compete agreements sends shockwave across Wall Street
[The Washington Post] Groups sue to block FTC’s new rule barring noncompete agreements
Workers Celebrating Ban on Noncompetes. Employers Are Ready to Fight. - The WSJ
NYTimes: F.T.C. Issues Ban on Worker Noncompete Clauses
Businesses face 'seismic shift' after FTC bans noncompetes. Here's what they should do next.
Healthcare.gov / What Is an HSA Account and How Does It Work?
My 7 Rules for Using Credit Cards - Clark Howard
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13/05/24•32m 27s
05.10.24 Clark Answers His Critics on Clark Stinks / Loyalty Programs: Cost-Benefit Analysis
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how loyalty programs affect price decision making and may have you “competing with yourself”. Clark discusses how these programs work across many industries, and what to keep in mind to get the most from them.
Clark Stinks: Segments 1 & 2
Loyalty Programs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How to Start Investing: 10 Steps for Beginners
Should We Worry About the National Debt and Budget Deficits?
Will Social Security Run Out?
What Is a SEP IRA and Who Is Eligible?
Clark Deals - Hotels
When Is the Best Time To Collect Social Security? / Social Security When?
18 Ways To Save at Walmart / Walmart+ Membership Program: 4 Things To Know
Loyalty programs may limit competition, and they could be pushing prices up for everyone — The Conversation
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10/05/24•37m 23s
05.09.24 Super-Commuters / Back to Basics - Annuities
During COVID, many Americans moved far away from their offices, sometimes out of state. Clark talks about how super-commuters are making it work. Also, Clark gets back to basics on something he hates: annuities. Know which type may actually be useful and which ones are to be AVOIDED at all costs!
Super-Commuting: Segment 1
Ask Clark: Segment 2
Sold Not Bought - Annuities: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The rise of the super-commuter
The Best Unlimited Hotspot Plans
Visible Announces New Annual Plans: Save up to $145/Year
Visible Review: 5 Things To Know Before You Sign Up
Using Cellular Data Internationally: Buying a Local SIM Card
InsureMyTrip Review: Why We Like It and How to Use It
How To Choose the Best Charities for Your Donations
What Is an Annuity, and Why Does Clark Think They Stink?
The Only Two Exceptions to Clark Howard's Annuity Rule
What Is a 1035 Exchange? Definition and How the Rules Work
Why I Think Medicare Advantage Plans Stink - Clark Howard
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09/05/24•30m 27s
05.08.24 Flat Fee Financial Services / Dental Treatment Decisions
Investing continues to evolve and a new way some fiduciary financial advisors are charging for services could save you money. Know your options to make an informed choice for financial services. Also, before you sign up for expensive dental work, think twice & take Clark’s advice.
Flat Fee Financial Advisors: Segment 1
Ask Clark: Segment 2
Wisdom Teeth- AVOID Unnecessary Dental Work: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Flat Fee Shops Attempt to Shake Up Financial Advising
Advice-Only Network // Flat Fee Advisors
3 Places You Should Never Invest Your Money
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
What Is an HSA Account and How Does It Work?
Target Date Funds: Clark's Favorite Retirement Investment
How to Advocate for Yourself at the Dentist
How getting a second opinion can stop you being ripped off — The Conversation
Yes, your smart TV is spying on you – Here's how to stop it
GM Stops Selling Driving Data to Insurance Companies
How to Buy a New Car in 5 Steps
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08/05/24•28m 12s
05.07.24 Phone Tap To Pay Spending / Pandemic Pivots Reversing
In our everyday payment decisions, many choose Apple Pay or Google Wallet on our phones. Consumer behavior studies show the more convenient the payment method, the more we spend. Don’t let tap to pay, tap you out! Also today - we are finally seeing the results of people wanting to do more in person. Clark discusses how this is affecting some industries, including food delivery.
Phone Tap To Pay (More): Segment 1
Ask Clark: Segment 2
The Ghost Of Kitchens Past: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Using your phone to pay is convenient, but it can also mean you spend more
Cash Envelope System: How It Works
10 Best Free Checking Accounts in April 2024
AT&T Data Breach: Take These Steps To Protect Your Information
How to Freeze Your Credit With Experian, Equifax and TransUnion
Ghost Kitchens Are Disappearing, Squeezed by Demand and Complaints
Warning for Cell Phone Users: Do Not Use Public Charging Stations
What Is a Thrift Savings Plan?
Costco vs. Sam's Club: What Is the Difference?
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07/05/24•30m 45s
05.06.24 Digital Existence Is Tracked / Teen Job Opportunity Abounds
How do you feel about targeted ads following you around online? Companies are dreaming up new ways to track us - even when we have our TV show paused! Also, job prospects are great for teens this spring and summer. Now is the perfect time for young people to enter the workforce.
Targeted Ads Ubiquitous: Segment 1
Ask Clark: Segment 2
Teen Jobs: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Google Pledges to Destroy Browsing Data to Settle ‘Incognito’ Lawsuit
Why Walmart bought TV-maker Vizio for $2.3 billion - Axios
Is that ad following you around the internet creepy or kind of cool?
Roku Explores an Insidious Way to Serve up Commercials Via Idle HDMI Inputs | Sound & Vision
Roku forcing 2-factor authentication after 2 breaches of 600K accounts
Fighting back against harmful voice cloning
RESIDENTIAL REAL ESTATE BROKER COMMISSIONS ANTITRUST SETTLEMENTS
If you recently sold your home, you might get part of your realtor fee back
NAR settlement: Here's what to know about payouts for commission lawsuits
Teens Are Spending Less This Year. Where Their Allowances Are Going.
CPI Inflation Calculator - Value of $1.60 from 1971 to 2024
Charles Schwab Review 2023: Pros & Cons
No Surprises Act
Cheapest Way to Rent a Car: Expert Tips
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06/05/24•29m 58s
05.03.24 Clark Answers His Critics on Clark Stinks / Scam Alert: Rampant Gift Card Fraud
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, why buying a gift card is now tantamount to lighting a $20 bill on fire.
Clark Stinks: Segments 1 & 2
Gift Card Draining: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Military and Veterans Guide: Free Resources for Your Finances
How To Protect Your Home From Being Stolen by Squatters
Florida lawmakers pass bill to revoke squatters' rights
How to Lower Your Property Taxes in 4 Easy Steps
Chinese Organized Crime’s Latest U.S. Target: Gift Cards
What Is a CD Ladder and When Is It a Good Idea?
BBB-File a Complaint
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03/05/24•33m 5s
05.02.24 SCAM Alerts: Facebook Marketplace Fraud & Voice Cloning Con Jobs
Today Clark’s talking about scams and how to avoid them! First, a special warning if you sell or buy items on Facebook marketplace. Later, AI has enabled crooks to clone voices. This is a huge problem, enabling criminals to trick people into thinking they are talking to a relative, or even a boss. What to look out for so you don’t get ripped off.
Facebook Marketplace Scams: Segment 1
Ask Clark: Segment 2
Voice Cloning Cons: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Facebook Marketplace Scams: Everything You Need to Know
Banks and Users Warn of Scammers on Facebook Marketplace
4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)
Safer Ways To Send Money
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity
How To Open a Roth IRA / What Are Index Funds?
Fighting back against harmful voice cloning
What's the Best Way To Donate to a Charity?
BBB-File a Complaint
How To Dispute a Charge on Your Credit Card
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years
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02/05/24•29m 0s
05.01.24 SAVE MORE On Summer AC Costs AND Cell Phone Service
You have the power to lower your power bills this summer. Clark offers several ways to reduce summer cooling costs. Also, get notable savings with Visible’s new annual plans, plus new disclosures through broadband ‘nutrition’ labels.
Save On AC This Summer: Segment 1
Ask Clark: Segment 2
Visible Deals & New Broadband Labeling: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Save Money on Utilities- clark.com
6 Smart Ways to Cut Your Utility Bills
Federal Tax Credits for Energy Efficiency
Energy Efficient Home Improvement Credit
HELOC vs. Home Equity Loan: Similarities and Differences
Homeowners Insurance Archives - Clark Howard
Company and Rating Search - Best's Credit Rating - AM Best
Visible Announces New Annual Plans: Save up to $145/Year
Visible Review: 5 Things To Know Before You Sign Up
Clark.com - CELL PHONES
Broadband ‘nutrition’ labels are coming – here’s what you need to know
FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans
Should You Buy an Extended Warranty on Your Car?
What Is an HSA Account and How Does It Work?
Fidelity - Health Savings Account | HSA Investment Options
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01/05/24•29m 53s
04.30.24 Mad Professor Clark’s Cure For The Housing Crisis / Code-Share Airline Tickets
As promised, today Clark shares his crazy (like a fox!) idea on how to fix the housing crisis. Also - a warning about buying a code-share airline ticket. Know how code-share tickets work, and often, don’t work.
Clark’s Housing Market Fix: Segment 1
Ask Clark: Segment 2
Code-Share Airline Tickets: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why many homeowners feel trapped by low-rate mortgages
[The Washington Post] Inflation keeps coming in hot, likely delaying interest rate cuts
Biden’s manufacturing industry is expanding. That could be bad for inflation
3 Facts That Help Explain a Confusing Economic Moment
10 Best New Products at Costco in April
10 Secrets All Shoppers Need To Know About Costco
Avoid the #1 Mistake That Car Buyers Make
Simple vs. Compound Interest: Definition and Formulas
Clark.com - How To Buy a Used Car
How To Open a Roth IRA
Help! Air Canada Ruined Our Trip to Ireland but Won’t Take the Blame.
Codeshare Flights Explained - NerdWallet
Follow Clark Howard's #1 Rule To Travel Cheap
Hopper: Book Travel on Mobile
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30/04/24•30m 56s
04.29.24 A Rethink On Job Stability / A Housing Simplicity Movement Is Underway
The job market has been a crazy ride over the past several years, and job hopping has become commonplace. But is it still a good idea to chase higher pay? How important is stability and loyalty now? Also today - An old idea by legacy retailer Sears, which sold over 70,000 mail-order homes between 1908 and 1942, has resurfaced. Hear how Home Depot is getting in on the affordable housing market.
Job Stability: Segment 1
Ask Clark: Segment 2
House Building Kits: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Does it still pay to change jobs as salary strategies shift?
Here's how salary offers are trending for job hoppers as pay settles into 'new regime'
The job market has hit a new normal. Here's why everyone hates it.
The Cheapest Cars to Insure in 2024
What Are the Cheapest Cars To Insure? (2024 Cost Guide)
Robinhood Gold Credit Card: Is It Worth It?
Housing market affordability is so strained that Home Depot is selling tiny homes for $63,000
Sears Modern Homes
Cancel for Any Reason Trip Insurance: Should You Buy It?
What should travelers do with all these cruise credits?
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29/04/24•29m 16s
04.26.24 Clark Answers His Critics on Clark Stinks / Last Minute Cruise Deals Are Back
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, If you love cruising, good news. An old way to get really cheap cruise prices at the last minute is making a comeback.
Clark Stinks: Segments 1 & 2
Cruise Deals: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The Best Place To Buy a Mattress
The Platinum Card® from American Express Review: Is It Worth It?
Target Is Rebranding Its Credit Card Program: What You Should Know
NYTimes: Standby Cruising: A New Option for Bargain Seekers
Kyte Review: Why a Travel Expert Is Impressed by This New Car Rental Service
Turo: 5 Things To Know About the Cheap Car Rental Service
What Is a Bridge Loan and How Does It Work, With Example
New to volunteering? A How-To-Guide to find the right fit
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26/04/24•30m 28s
04.25.24 Beware Debt Relief Scams / The Stock Market: Word To Investors
Right now in the U.S. we have record credit card debt, a huge stressor on so many. To add insult to injury, supposed credit repair companies make things worse for those struggling to get back on their feet. What you need to know. Also, Clark translates the scare stories out now about the stock market and offers direction for investors.
Debt Relief Scams: Segment 1
Ask Clark: Segment 2
Investing & Dollar-Cost Averaging: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Americans’ credit scores are falling. That hasn’t happened in a decade
Maxed Out: Inside America's Credit Card Debt Crisis -- and What We Do Next
NYTimes: Judge Blocks Debt Settlement Company From Resuming Operations
Carrying credit card debt? How to avoid debt relief scams
How To Send a ‘Drop Dead’ Letter to a Collection Agency
6 Things To Know Before Contacting the National Foundation for Credit Counseling
Clark Howard's 2024 Credit Card Debt Elimination Strategy
Is an HSA the Best Way To Save for Future Medical Expenses?
Will Social Security Run Out?
Should investors keep riding the US markets runaway train?
Barrons.com: Worried About Investing in a Frothy Market? Try Dollar-Cost Averaging.
Should You Sell or Stay Put in the Stock Market? (Clark.com)
Best Investment Companies for Investors in 2024
5 of Clark Howard's Most Extreme Frugal Hacks
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25/04/24•32m 9s
04.24.24 The Future Of Credit Cards / Buying A TV
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:
Clark Warns Major Changes To Credit Card Rewards Are Coming Soon
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
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24/04/24•29m 0s
04.23.24 Relocation: Rent Before You Buy / Clothing: SAVE More Buying Secondhand
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
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23/04/24•27m 42s
04.22.24 Insurance Invasion Of Privacy / College Tuition Costs
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
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22/04/24•32m 56s
04.19.24 Clark Answers His Critics on Clark Stinks / Flexible Fridays
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
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19/04/24•29m 21s
04.18.24 Discounters & Dollar Stores / New Career Considerations
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
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18/04/24•31m 53s
04.17.24 EV Deals Now Include Tesla / The Digital Wallet Option
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
Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option
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
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17/04/24•31m 11s
04.16.24 Point-Of-Sale Donations / New & Egregious: Medical Facility Fees
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
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16/04/24•32m 59s
04.15.24 TAX DAY: Filing An Extension / Property Tax Increases
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
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15/04/24•36m 16s
04.12.24 BONUS - A Double Edition of Clark Stinks
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
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12/04/24•34m 47s
04.11.24 CONSUMER ALERT: Medical Facility Debt Collection / Self-Checkout Changes
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?
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11/04/24•29m 23s
04.10.24 Retail Membership Considerations / Timeshare Scams Get Worse
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
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10/04/24•27m 10s
04.09.24 An Opportunity For Dog Lovers / Beware Tech Imposter Scams
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
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09/04/24•28m 37s
04.08.24 House Theft Via Squatters & Fraud / The Truth About Credit Card Rewards
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
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08/04/24•32m 35s
04.05.24 Clark Answers His Critics on Clark Stinks / Privacy Alert: Automakers
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
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05/04/24•33m 54s
04.04.24 How Important Is A College Degree? / Major Retailer Price Cuts!
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
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04/04/24•25m 20s
04.03.24 Americans Need To SAVE MORE / Physical Health - Fiscal Health
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
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03/04/24•32m 12s
04.02.24 Summer Gas Prices / Innovation Spotlight: Vertical Farming
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
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02/04/24•30m 8s
04.01.24 Home Security Camera Privacy Warning / Wanted: Financial Advisors
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
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01/04/24•26m 33s
03.29.24 Clark Answers His Critics on Clark Stinks / The Wealth Building Habit
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
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29/03/24•35m 47s
03.28.24 Wendy’s Pricing Debacle / Yippee Ki AI - Wild West Phase
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
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28/03/24•30m 30s
03.27.24 Saving For College: 529 Plan Update / Upside Down Car Loans
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
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27/03/24•28m 22s
03.26.24 New Rule For Medical Appointments / Classic Clark For Employers
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?
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26/03/24•30m 24s
03.25.24 New Rules For Real Estate Commissions / Save On Summer Cruising
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
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Episode transcripts
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25/03/24•33m 26s
03.22.24 Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel
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
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Episode transcripts
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22/03/24•32m 42s
03.21.24 SPECIAL GUEST Wes Moss - Certified Financial Planner
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
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21/03/24•33m 39s
03.20.24 Small Business Retirement Plans / A Broken Market: Long-Term Care Insurance
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 t