TopPodcast.com
Menu
  • Home
  • Top Charts
  • Top Networks
  • Top Apps
  • Top Independents
  • Top Podfluencers
  • Top Picks
    • Top Business Podcasts
    • Top True Crime Podcasts
    • Top Finance Podcasts
    • Top Comedy Podcasts
    • Top Music Podcasts
    • Top Womens Podcasts
    • Top Kids Podcasts
    • Top Sports Podcasts
    • Top News Podcasts
    • Top Tech Podcasts
    • Top Crypto Podcasts
    • Top Entrepreneurial Podcasts
    • Top Fantasy Sports Podcasts
    • Top Political Podcasts
    • Top Science Podcasts
    • Top Self Help Podcasts
    • Top Sports Betting Podcasts
    • Top Stocks Podcasts
  • Podcast News
  • About Us
  • Podcast Advertising
  • Contact
Not in our directory?
Add Show Here
Podcast Equipment
Center

toppodcastlogoOur TOPPODCAST Picks

  • Comedy
  • Sports
  • News
  • Politics
  • True Crime
  • Business
  • Finance

Follow Us

toppodcastlogoStay Connected

    View Top 200 Chart
    Back to Rankings Page
    Business

    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.

    Advertise

    Copyright: Copyright © 2021 Clark Howard Inc. All rights reserved.

    • Apple Podcasts
    • Google Play
    • Spotify
    Latest Episodes:
    09.17.21 Clark Answers His Critics on Clark Stinks / Find Lost or Missing Retirement Accounts. Sep 17, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / For those who’ve worked various jobs over decades, there may be lost retirement accounts or a small pension you’ve lost track of. There are 25 million unclaimed 401(k)s out there containing $1.35 Trillion. Also - what to do when you change jobs. Clark.com - How To Find Missing or Lost Retirement Accounts

    Clark Stinks and Ask Clark topics include: Automatic Bill Pay: How It Works and How to Do It Safely / Wait times at Disneyland and Universal Studios are way down. Here’s why / Best 529 College Savings Plans By State / 5 Things to Know Before You Use Zelle / Suing in Small Claims Court \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.16.21 Stocking Up For Emergencies / COVID Rebates & Saving On Auto Insurance Sep 16, 2021

    Should you stock up on essential supplies? Clark has a different angle on deciding what to buy. // Were you expecting a refund on your auto insurance during the pandemic that never came or was less than expected? If you’re the 1 in 3 people driving less, you’re subsidizing other drivers. Clark has a suggestion to help you save on auto insurance.

    Ask Clark topics include: Consumer Reports Generator Ratings / Should We Buy a Truck With eBay Gift Cards? Or Is This a Scam? / CarRentals.com / Mint Mobile Review - Visible / Equitable Distribution Definition - Investopedia / Long-Term Care Insurance / What can I do if I believe my credit file has been mixed with someone else's? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.15.21 Amazon’s New TVs / SpaceX Starlink Satellite Internet Delay. Sep 15, 2021

    TVs have gone up in price, as much as double since last November. The market effect of Amazon’s entry and Clark’s best advice for TV buyers. // SpaceX’s Starlink internet service is on hold. Clark’s excitement over the supposed imminent availability of high speed rural internet was well-placed, but premature. What we have here is a failure to serve customers.

    Ask Clark topics include: Rules for Using Credit Cards / 6 of the Best High-Yield Online Savings Accounts in 2021 / How to Keep Student Loan Forbearance From Hurting Your Credit / Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? / Dollar Cost Averaging Makes You a Fortune Over Time / How To Open a Roth IRA / Warning: 3 Big Problems With Visa Gift Cards / File a Complaint with the Consumer Financial Protection Bureau \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.14.21 JOBS: Understanding Total Compensation / Heads Up: Employers Spying on At-Home Workers. Sep 14, 2021

    When looking at job opportunities, there are many considerations beyond pay alone. // Do you know if your company or boss is using spyware to monitor you? Be aware of new ways your company may be tracking you as you work from home.

    Ask Clark topics include: 9 Ways To Pay for College Without Student Loans - The Top 5 Benefits of Community College / Is Investing in Dividend Stocks a Good Strategy? / File a Complaint with the Consumer Financial Protection Bureau / Carvana Vehicle Value - Also get vehicle value from dealer / How to Buy a New Car in 5 Steps \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.13.21 The Apple Antitrust Case and Your Money / College Decisions & New Ways to Avoid College Debt. Sep 13, 2021

    Clark discusses the Apple & Google “toll gates” and the potential advantage of signing up for subscriptions from service websites vs from in-phone apps. Also, expect heavy subsidies on the new Apple iPhones depending on your carrier. // A rethink of college relevance and new information and insights around college & skills training decision making. Also, employer subsidized education opportunities, income share agreements, and working while in school.

    Ask Clark topics include: Experian New Debt Collection Rule Allows Contact on Social Media / Roth IRA / Best Online Banks - Bankrate: The best online banks of 2021 / Debt Collectors May Soon Contact You By Text and Social Media. Here’s What You Should Know - Your rights when dealing with debt collectors / Deadline Extended: Check Your Credit Report Every Week for Free / Could-Based Phone Systems \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.10.21 Clark Answers His Critics on Clark Stinks / Farewell Locast: Local Channel Alternatives. Sep 10, 2021

    Clark's 9/11 Remembrance / Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark explains why Locast is no more, and alternative ideas for watching local channels, whether you were a Locast customer or not.

    Clark Stinks and Ask Clark topics include: 6 Steps to Eliminate Credit Card Debt in 3 Years or Less / Ford Will Build Your Next Car to Your Custom Order / 4 Things To Know Before You Buy a Digital TV Antenna / 4 Things To Know Before You Sign Up for Sling TV / Amazon agrees to pay shoppers up to $1,000 for defective goods after facing high-profile liability cases \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.09.21 Protecting Privacy With Simple Burner Tech / Supply Shortages Have Changed the Nature of DEALS Sep 09, 2021

    New privacy ideas based on burner tech may lessen your privacy concerns. Clark offers several ways to do business via email and phone, without them getting into your business. // Shopping online used to be a great way to save money. Supply shortages have led to a reverse movement among retailers. Seeing is believing when it comes to deals now. Clark explains the trend to help you spend - less!

    Ask Clark topics include: Where to Buy the Best Cheap Printer / Umbrella Insurance / How to Freeze Your Credit / Credit Karma Review / Term Life vs. Whole Life Insurance / Index Funds / 7 Best Ways to Save for Retirement in Your 50s \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.08.21 Education: Is College Worth It? / The Worker Shortage & A Partial Solution Sep 08, 2021

    Clark talks about decision making around education and skilled-trade training, costs, and the debate over the value of college. // Many industries are experiencing worker shortages and we’re feeling the effects. We’re millions of workers short in the U.S. with an aging population. Clark’s controversial solution.

    Ask Clark topics include: Easy Disney World Planning / The current state of state-sponsored retirement programs / Health Insurance / Tracfone Wireless / How and When to Cancel a Credit Card / 5 Things to Know Before You Use Zelle / 5 Ways To Improve Your Credit Score //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.07.21 Open Enrollment: A New Employer Benefit / Emergency Funds & End of Life Planning Sep 07, 2021

    What you need to know about new savings incentives you may see within your employee benefits during open enrollment. // Clark smart steps to keep your loved ones safe and to protect you in case of an emergency.

    Ask Clark topics include: Rent is about to go up again—here’s why / 6 Best Ways To Send Money Online / Topic No. 607 Adoption Credit and Adoption Assistance / 6 of the Best High-Yield Online Savings Accounts in 2021 - Yotta - Start Saving. Start Winning / Should You Buy an Extended Warranty on Your Car? / How To Open a Roth IRA / Target Date Funds vs. Index Funds: Which Are Better for You? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.03.21 Clark Answers His Critics on Clark Stinks / A Clark Job Warning: Non-compete Agreements. Sep 03, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Around 1 in 5 U.S. workers are in covenants not to compete, outlawed in California. A Clark warning for job hunters.

    Clark Stinks and Ask Clark topics include: Deep discounters like Dollar Tree get hit, as they juggle supply chain costs and price-sensitive customers / What Is a 403(b) and How Does It Work? / Retirees fearing financial disaster wait for pension rescue - Pension Benefit Guaranty Corporation / Investment Guide: Advanced investors / Residential Solar: Compare the same size systems between 5 companies in your area with a payback cycle of 9 years or less. / How to Sell Your Stuff on Facebook Marketplace


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.02.21 Clark Rage - Wells Fargo and Alternative Banking / Investment Warning: Broken Promissory Notes. Sep 02, 2021

    Wells Fargo has engaged in fraud against customers. Now new sanctions are coming because they have not complied with settlements. Why you should ditch your big bank. // Looking to earn more on savings, people are susceptible to con artists pitching “safe investments”. A Clark warning about promises of higher interest rates. How to spot a Ponzi scheme.

    Ask Clark topics include: Should I Be Concerned About T-Mobile’s Data Breach? / If you have traditional health insurance, avoid student health insurance - Health Insurance Guide / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Insuring a home-based business / Automatic Bill Pay: How It Works and How to Do It Safely \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    09.01.21 Hospitals: A Rogue Industry and a Clark Cure / Road Trip! A Great Tip for Highway Travel. Sep 01, 2021

    There’s great support on price transparency on hospital charges on all fronts EXCEPT from hospitals and insurance companies. The reason is Clarkrageous. And Clark’s got the punishment to make them comply. // It’s crazy we don’t have a nationwide toll system. But there’s some progress there.

    Ask Clark topics include: 14+ Senior Discounts People Age 50 and Older Should Know About! / Best 529 College Savings Plans By State / How To Open a Roth IRA / Clark Howard: Here’s My Experience Selling a Home With an iBuyer / Don’t fall for this car wrapping scam \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.31.21 The Nurse Shortage is Critical / The Value of a Dollar Store. Aug 31, 2021

    The nursing shortage is severe and demand is pushing up pay rates. If you have a love of science and medicine, there’s opportunity to make a difference. // While some areas see dollar store proliferation as a problem, these retailers are currently booming with a diverse customer base (including Clark) trying to offset inflation and stretch every dollar.

    Ask Clark topics include: Can a Patient Advocate Help With Your Medical Bills? / WSJ - Paying With a Credit Card? That’s Going to Cost You. / How to Build Credit / How a 19 year old got a credit score of 820 / Best 529 College Savings Plans By State \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.30.21 Renting Can Help You Buy a Home / Retirement Savings Can Make You a Millionaire. Aug 30, 2021

    There are private services that allow your rent payments to be tracked for credit, and now Fannie Mae has a new lending guideline that allows renters to qualify for a mortgage based on their rent payment history. Clark explains how this will work to assist in achieving home ownership, in keeping with how credit scoring is changing overall. / Worried about having enough to retire one day? Over time if you regularly contribute to a good retirement plan, well, watch what happens! Why money you’re saving for your long-term future must be invested - and how to invest properly.

    Ask Clark topics include: The biggest mistake you can make with your 401(k) / Read this before you sign up for a ‘risk-free’ trial / 401(k) Contribution Limits for 2021 / How to Sell a Vehicle - eBay Motors - How to Sell Your Car in 5 Steps / Tips for Buying and Selling Safely on Marketplace - Facebook \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.27.21 Clark Answers His Critics on Clark Stinks / Travel Outlook This Pandemic Fall. Aug 27, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Once again, the pandemic has thrown travel plans into the unknown. But there’s good news if you feel comfortable taking off this year.

    Clark Stinks and Ask Clark topics include: 6 Things To Know Before You Sign Up for Visible / File Complaint with BBB / Is LifeLock Worth the Cost? / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / Keep solid proof forever when you’ve paid off student loans. / Credit Lock vs. Credit Freeze: What’s the Difference? / Acorns Review / How to Start Saving Money in 5 Easy Steps \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.26.21 The T-Mobile Breach and Quick Measures to Protect Your Phone & Money / TWI - Trading While Under the Influence: Really? Aug 26, 2021

    Hackers have successfully invaded T-Mobile's data base and have info on 40 million users. 3 quick measures T-Mobile customers can take - and 1 task for AT&T and Verizon customers - to help prevent SIM hijacking and the subsequent looting of your accounts. // 1 in 3 U.S. investors admits they have traded while under the influence - dangerous for your wallet. Don’t drink & trade. For Clark, investing is not a sport. He explains his philosophy.

    Ask Clark topics include: How To Prevent, Report and Repair Identity Theft / How and Why to Refinance Your Mortgage: A Step-By-Step Guide

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08..25.21 LOGJAM: Ordering Delays are Here to Stay / Financial Checklist - Who Needs Umbrella Insurance? Aug 25, 2021

    The way we get goods and what’s available, has come full circle. We’ve become conditioned to the wide availability of goods. Yeah we’re going to have to get over that. One result is a win win if it catches on: Ford is trying to change how we buy new vehicles in the U.S. Clark explains. . // Do you have proper coverage? If you’ve got assets, don’t ignore what Clark calls the “success tax” - one of the most overlooked forms of insurance.

    Ask Clark topics include: How To Improve Your Credit Score by 100 Points in 30 Days / Fidelity Investments Review 2021: Pros & Cons / Lemonade Insurance Review: How It Works, Coverage Options / Automatic Bill Pay: How It Works and How to Do It Safely \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.24.21 A Simple Way to Protect Your Phone from Hackers / The Life Insurance Industry’s Dirty Secret. Aug 24, 2021

    A simple tip from the NSA can help keep fraudsters out of your cell phone. // Unfortunately, many don’t leave important financial information when they pass away. How to find out if a loved one had life insurance you didn't know about.

    Ask Clark topics include: Credit Lock vs. Credit Freeze: What’s the Difference? / What Is a SEP IRA and Who Is Eligible? / AUTO Insurance \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.23.21 Out of Adversity > Innovation: Productivity & New Job Opportunity / Protect Yourself on 401(k) Rollovers. Aug 23, 2021

    Employers are offering more to get and retain workers. Shop your skills for better pay and benefits. The labor shortage is actually an advantage to the overall economy. Clark describes how business innovation increases efficiency, productivity & profitability which in turn, creates more wealth for citizens. // Clark gets questions all the time from people changing employers and moving their 401(k) accounts. Rip Off Alert and a Clark Smart NEVER NEVER Rule.

    Ask Clark topics include: Save on Prescription Drugs - 10 Things To Know Before You Use GoodRx / Troubleshooters warning about Cash App debit card scam / How to Find and Claim Missing Money in Your Name / Life Insurance - How to Buy Term Life Insurance in 7 Easy Steps / How To Open a Roth IRA \\

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.20.21 Clark Answers His Critics on Clark Stinks / What You Don’t Know About Distracted Driving. Aug 20, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark has a new teen driver, and there are some important things to know that will keep us all safer.

    Clark Stinks and Ask Clark topics include: How to spot and avoid fake product reviews on Amazon / Debit Cards / Rebtel.com: Cheap International Calls and Unlimited Calling / ABLE accounts: A tax-free way for parents of disabled kids to save for the future - Special Needs Trust / Why co-signing a loan can be bad on almost every financial level / How to Build Credit / How and Why to Refinance Your Mortgage: A Step-By-Step Guide \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.19.21 Autopilot Systems & Autonomous Driving / Save on Prescription Eyeglasses & Contacts Aug 19, 2021

    Clark addresses the investigation into the Tesla autopilot system and his experiences with autonomous driving. // Clark shares his favorite places to save money on prescription eyeglasses & contacts. 3 discount sellers get the highest satisfaction ratings.

    Ask Clark topics include: Should You Buy an Extended Warranty on Your Car? / Wells Fargo Active Cash Card Review / How To Find and Choose a Financial Advisor / How to Freeze Your Credit / Best 529 College Savings Plans By State \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.18.21 Best Cell Phone Plans and Deals in 2021 / Choose Better Banking. Aug 18, 2021

    Based on your particular needs for calling, network & data, choose the best cell plan & provider using Clark’s new cell phone guide, which makes it clear to see the best plan for you, at the best price. // New competition is changing the banking industry, which at its core, is about extracting fees from you. Now you have choice: Credit Unions, online banks & fintechs do things differently.

    Ask Clark topics include: 5 Things to Know Before You Use Zelle / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Mile Auto | Pay-Per-Mile Car Insurance / How to Buy a Used Car in 7 Steps / How to Buy a New Car in 5 Steps \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.17.21 Moving? A Clark Warning / Remote Work Considerations. Aug 17, 2021

    Organized crime has had a hand in moving scams for decades and now it’s gotten more severe. Clark describes how the scam happens, so you can steer clear. // The pandemic has upended the office imperative, allowing more people to live and work anywhere in the country or abroad. But working remotely is not without downsides. Some Clark smart employment direction.

    Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / Biden Administration Extends Student Loan Pause Until January 31, 2022 / How to Save Money on Car Insurance / How to handle money when you’re traveling overseas / Stock Options - Not recommended / How To Spot, Avoid, and Report Fake Check Scams | FTC \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.16.21 Beware ‘Buy Now, Pay Later’ / Warning: 2 Problems With Rogue Third Party Online Sellers Aug 16, 2021

    In stores and online, the ‘Buy Now, Pay Later’ option is proliferating. What’s the catch? / If you are an Amazon user, there are disturbing things going on with certain sellers you need to know about involving negative review backlash and dangerous merchandise.

    Ask Clark topics include: Rules and Qualifications for Claiming a Tax Dependent / Donor-Advised Funds: The Benefits and Drawbacks / Why You Should Never Use a Debit Card To Pay for Anything / Chase Sapphire Preferred Review: Travel Card / Best 529 College Savings Plans By State / Frequently Asked Questions on Gift Taxes \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.13.21 Clark answers his critics on Clark Stinks / Housing Market Update. Aug 13, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / There’s evidence the frenzy in the home selling market is cooling off. Have we hit the point of price resistance? What home buyers and sellers should know.

    Clark Stinks and Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle / Is a Safe Deposit Box Really Safe? / Smartphone deals: The best bargains on unlocked smartphones under $200 / 9 Ways To Pay for College Without Student Loans / Airbnb Resolution Center / How to Switch Banks in 4 Simple Steps / How to Find a Free ATM Near You: Allpoint, MoneyPass, CO-OP Financial Services and More \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.12.21 Employment and Covid mandates / A new opportunity to create affordable housing. Aug 12, 2021

    Businesses have a lot to figure out right now -- vaccines, lack of workers, and wages. Employer vaccine mandates are expanding among medium to large companies. Clark explains the visceral fear of economic slowdown, in an environment of great job opportunity. // An inventive idea to solve housing shortages in cities.

    Ask Clark topics include: Amazon Scam Warning: Beware of Deliveries You Didn’t Order / How to spot and avoid fake product reviews on Amazon / The Best Time and Place to Buy a Mattress - Best Mattresses of 2021 / Humble Dollar -Losing It All - 5 Ways To Protect Your Retirement Accounts From Being Hacked \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.11.21 How to Save for Retirement When Your Work for Yourself / Health Insurance for College Students Aug 11, 2021

    If you’re an entrepreneur or have a side gig, what you need to know to save for your future. // College students are headed back to campus. A special warning about campus health insurance, and what your options are.

    Ask Clark topics include: eBay Motors - Car and Truck Inspections / File Complaint with the Better Business Bureau / Roth vs. Traditional 401(k) / Petal Card Review - What Is a Credit Union? / The Best Places to Sell Your Cell Phone \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.10.21 Big delivery problems meet small delivery solutions / 2 Current Scam Warnings. Aug 10, 2021

    The package delivery industry is beset with problems that affect small business the worst. Who is filling the niche? // Word is out about some scams that are dominant now. Warnings for individual car sellers & sellers of anything, and what can happen if you lend out your phone.

    Ask Clark topics include: Is a Cash-Out Refinance Right for You? / Virtual Credit Cards: An Online Security Measure Worth Taking? / What Is an HSA Account and How Does It Work? / The #1 Way To Protect Yourself From Skimmers if You Use a Debit Card at the Gas Station \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.09.21 The credit score game has changed / Privacy update: QR codes. Aug 09, 2021

    Different lenders assess you differently. Larger lenders use their own proprietary evaluations - and evaluate your patterns & their risk levels to make decisions about your credit. 80% of car buyers obtain a loan the wrong way. How to obtain the best credit terms. // QR codes have proliferated during the pandemic and are here to stay, but there are some privacy red flags going up around them. Plus, Apple privacy & Amazon privacy invasion.

    Ask Clark topics include: Where Do We Get a Homeowners Warranty on Appliances? / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / How to Save Money on Utilities \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.06.21 Clark answers his critics on Clark Stinks / Money down the drain: SAVE on doing laundry. Aug 06, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Tips for saving money when doing laundry.

    Clark Stinks and Ask Clark topics include: Locast / 80+ great deals and discounts for military members and veterans - Military and Veterans Guide / 7 Things You Need to Know Before You Fly Southwest Airlines / Long-Term Care Insurance / Costco Travel / 401(k) Guide / Fidelity Investments Review 2021 \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.05.21 Current Travel Pitfalls / Danger: Buying Stocks on Margin. Aug 05, 2021

    Clark preps you for the current state of travel, including passport delays, how to book to protect your wallet, hotel cleaning policies and rental cars. / Clark is alarmed by a new statistic about people borrowing money to play the stock market on what is called “Margin”. How this practice works and the risk involved.

    Ask Clark topics include: What Is a Credit Union? / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / 5 Things To Know Before You Sign Up for Verizon Prepaid / What Is a 403(b) and How Does It Work? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.04.21 Clark’s updated 529 Plan Guide helps you save for college / Walmart’s excellent new employee benefit. Aug 04, 2021

    Clark explains how 529 plans work to help families save for college, how to set one up, and which ones make Clark’s Dean’s List of most cost-efficient plans in his newly updated 529 Guide. But - Quiz: what comes in your financial life BEFORE you set up a 529 plan? / Employers are starting to offer incredible incentives and benefits to employees, and Walmart just announced a big one. Employer subsidized college isn’t new - let’s hope it’s returning broadly.

    Ask Clark topics include: Gift Tax Definition - Investopedia / Term Life vs. Whole Life Insurance: Understanding the Difference / What Is an HSA Account and How Does It Work? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.03.21 It’s a Great Time to Refi! / Protect Your Catalytic Converter. Aug 03, 2021

    Due to the ongoing pandemic, interest rates have fallen back down and with them, mortgage refinance rates. How refinances and mortgages differ, and how to go about taking advantage of these historic low rates. / The number of thefts of catalytic converters has risen 10 fold in the past year. It’ll cost ya big. How you can help prevent this theft problem.

    Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service / How to Find the Best Deal on Cheap Internet Service / Streaming TV / How to develop an independent value for your vehicle after an accident / Clark Deals - Cell Phones & Smartphones - Get a FREE iPhone 12 mini with trade-in when you switch to Metro by T-Mobile \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    08.02.21 Electronics: Your Right To Repair / Time Has Come Today for TIAA. Aug 02, 2021

    Clark explains the ongoing “right to repair” debate and what’s hopefully changing to your advantage. / 403(beware): Clark Rage Alert! Clark lets loose on how he REALLY feels about TIAA’s abuses and lame response.

    Ask Clark topics include: CO-OP Financial Services SHARED BRANCH / Turo: 5 Things To Know About the Cheap Car Rental Service / Best Online Will Maker: 5 Free or Cheap Options - Wills & Funerals / Experian Boost Review: How 3 Bills Helped Raise My Credit Score 14 Points / Are You Following Clark’s Maximum Auto Loan Length Rule? / How Retirees Can Combat Inflation \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.30.21 Clark answers his critics on Clark Stinks / Hear-ye Hear-ye: By Executive Order - The hearing aid cartel and its high prices are going DOWN. Jul 30, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The era of $6K hearing aids is coming to a close. Clark describes ongoing industry cartel price-fixing, and why a WIN for consumers is sounding.

    Clark Stinks and Ask Clark topics include: Best 529 College Savings Plans By State / Fidelity Rewards Credit Card Review: Invest with 2% Cash Back / Liquid Biopsy: Using DNA in Blood to Detect, Track, and Treat Cancer / How to Find a Free ATM Near You / Term Life Insurance / Your C.L.U.E. Report / Lease buyout: 5 tips on buying your leased car / ABLE accounts: A tax-free way for parents of disabled kids to save for the future - 529 ABLE Accounts - IRC Section 529A - Saving for College \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.29.21 Internet Access Expansion / State Sponsored Retirement Plans Jul 29, 2021

    Great internet access has become essential, and there are so many Americans without it. Clark talks about satellite-based internet service and when and where it will be available. / Often those who work for small companies don’t have access to retirement plans. Many states have an offering that can turn the intention to save, into action.

    Ask Clark topics include: How to File a Complaint with the Dept. of Labor / Gas & water line insurance - Maintenance fund generally recommended instead / How to Build Credit / How to Lower Your Credit Card Interest Rate / Car rental company membership programs may offer perks and discounts / File a Complaint with the Better Business Bureau \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.28.21 A Generational Divide Around Email / Generous to a Fault: Parental Giving. Jul 28, 2021

    Could we be witnessing the end of email? America’s youth prefer other platforms for communication. Is email becoming irrelevant? / One thing parents are often trying to balance is how much to give their children and how much kids should cover on their own. Clark discusses what a new study on parental giving to adult children reveals. Hint: Train Wreck City. Hear the findings.

    Ask Clark topics include: 7 Things to Know Before You Buy Travel Insurance / Shared Appreciation Mortgage (SAM) - Investopedia / Clark Howard’s Guide to Saving Money on Your Wedding / Credit Karma Review: Free Credit Score and More at Your Fingertips / Dollar Cost Averaging Makes You a Fortune Over Time / How To Find a Good Moving Company \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.27.21 Revisiting the FIRE movement / New battery tech expands to local mobility, and saves money. Jul 27, 2021

    Clark explores the Financial Independence, Retire Early (FIRE) movement, now several years on, and the lifelong advantages of living on less than what you make. / With car prices skyrocketing, many are looking for alternative methods of transportation. Great news if you are one of them. Clark describes how new battery tech for golf carts, scooters and e-bikes is providing cheaper transportation for some metro dwellers.

    Ask Clark topics include: INSURANCE / Is a safe deposit box really safe? / How To Monitor Your Credit / Does Selecting ‘Credit’ When Using a Debit Card Increase Purchase Protection? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.26.21 NFL Covid Policy + The Live Nation-T-Mobile concert sale / New Venmo Protections. Jul 26, 2021

    Clark loves football! Get the latest on the NFL’s tough new Covid policy. Plus, the concert industry reopens with a fabulous concert ticket deal from Live Nation with an advantage for T-Mobile customers - starting tomorrow. / Cash App, Zelle and Venmo are free, convenient pay apps but come with risks. Venmo ends a bizarre practice and offers new security.

    Ask Clark topics include: How To Watch Football Without Cable: Stream NFL and College Football / The tricky timing of 529 savings account withdrawals / CFPB- File a Complaint / Use these security keys to lock down your computer and protect your personal info / What Are Index Funds? / Fidelity Investments Review 2021: Pros & Cons \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.23.21 Clark answers his critics on Clark Stinks / 2 ways to beat price inflation at the supermarket. Jul 23, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rising food costs, why grocery stores are actually happy about that, and how you can save at the supermarket.


    Clark Stinks and Ask Clark topics include: Health care sharing ministries surge in popularity, Magnify Money analysis shows / Target Date Funds: Clark’s Favorite Retirement Investment / Lightbox Jewelry / Latest Scams and Rip-Offs \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.22.21 A money saving app warning for Android & iPhone users alike. / Welfare vs. Workfare - Free college that works. Jul 22, 2021

    Both Apple and Google are being sued over how they run their app stores. Clark explains the toll and the workaround. / Free college sounds great, especially with the outrageous price of higher education and the student loan burden so many carry. But is it a good idea? Clark points out where this has been successful, and why it can be good for citizen, state and country when it’s skills based, for the marketplace.

    Ask Clark topics include: How Much to Tip During the Coronavirus Pandemic / Can a Patient Advocate Help With Your Medical Bills? / How to Find and Claim Missing Money in Your Name / Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards / 401(k) Guide: What Is a 401(k) Plan and How Does It Work? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.21.21 Outsmart The Temptation to Borrow / SPECIAL WARNING: What’s behind ads for high interest certificates, CDs & notes. Jul 21, 2021

    New reports indicate borrowing is roaring back after the pandemic slowdown. Lengthy car loans and credit card debt can be dangerous. Credit card offers are everywhere now. How to take advantage of that, without being taken advantage of by creating more debt. / If those CD rates you’re seeing advertised seem too good to be true… you are correct! Two current pitches, what’s the catch, and how to avoid game over for your wallet.

    Ask Clark topics include: What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster / How To Watch Football Without Cable: Stream NFL and College Football / Best and Worst Home Insurance Companies - Best and Worst Auto Insurance Companies / How To Save and Invest the Clark Howard Way \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.20.21 Weighing the work from home option & the 4 day work week / PLEASE don’t make this home buying mistake. Jul 20, 2021

    If you’ve been given the choice, what are the pros & cons of working from home vs. returning to the office you should consider? Plus, what research reveals about the 4 day work week. / Would you buy a house you’ve never been to? Clark’s take on this practice and what home buyers should know about buying houses online.

    Ask Clark topics include: YouTube TV vs. Hulu Live: Which Streaming Service Is Better? - Live TV Streaming Channel Tool / 6 Steps to Eliminate Credit Card Debt in 3 Years or Less / Should You Buy Out Your Leased Car? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.19.21 HACKS: How to protect your investment accounts / TRAVEL Updates Jul 19, 2021

    Congress has never passed consumer protections against hacks of investment accounts. 3 Clark smart rules for protecting your retirement accounts. / TRAVEL NEWS: Passports, canceled flights, rental cars, high fees & more.

    Ask Clark topics include: 5 Sneaky Ways to Improve Your Credit Score / These Credit Cards Earn 2% Cash Back on Purchases / How To Sell, Cancel or Get Rid of Your Timeshare / How I Saved Nearly 50% on a Rental Car - Car Rental Shortage: Here’s What You Need To Know / 7 Things to Know Before You Buy Travel Insurance / Booking a Cruise? Here Are 3 Tips on How to Do It for Less / How to Plan a Trip: Clark’s Best Travel Tips to Save Money \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.16.21 Clark answers his critics on Clark Stinks / What you need to know about the Child Tax Credit. Jul 16, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Why are people opting out of the monthly child tax credit? Clark answers this and other questions about the now active Child Tax Credit.

    Clark Stinks and Ask Clark topics include: How to Teach Young Kids About Money / We Still Haven’t Received Our Federal Tax Refund. What Should We Do? / 4 Things To Know About Series I Savings Bonds / Wells Fargo Is Closing All Personal Lines of Credit / Biden Moves To Restrict Noncompete Agreements, Saying They're Bad For Workers \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.15.21 Save for a home by paying rent a new way / The Beginning of The END of Legalized Loan Sharking. Jul 15, 2021

    There’s a new way renters can save for a down payment on a home. Clark shares the pros & cons, and how to make this method work best for you. / A law eliminating oversight of predatory lenders has been overturned. Clark explains the ruling, the state-level significance, and the danger of payday loans.

    Ask Clark topics include: What Is a 403(b) and How Does It Work? / What Is a Virtual Card Number and How Does It Work? - Sign up for a free trial offer with a stored-value card to avoid unwanted subscriptions. / Shrinkflation: Warning: Watch Out for This Retailer Pricing Trick / How to Choose the Best Charities for Your Donations - For small charities, search the name of the organization + “IRS filings” / How to Reach a Real Person at AT&T, Xfinity, Cox and More - How to Find the Best Deal on Cheap Internet Service - Cnet - Elon Musk says Starlink will be available worldwide in August / Should You Take Your Pension in a Lump Sum or Monthly Payments? / Gap insurance: What is it and do you need it? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.14.21 Where the Smart Money Goes for a Mortgage or Refinance / Yesterday is Today: Your Digital Footprint & A Social Media Warning. Jul 14, 2021

    Big banks are no longer the mortgage lenders of choice. Today banks account for only around 30% of mortgages issued because they’re usually a ripoff. Clark tells you the best places to look for a mortgage or refinance. // There’s been a lot of debate about our digital histories coming back to bite us years or decades later. One woman’s story is a lesson for all. Caution your kids about this in ongoing conversations.

    Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Best and Worst Home Insurance Companies / Best and Worst Auto Insurance Companies / Bureau of Consumer Financial Protection vs. Progrexion Marketing, Inc - How to Freeze Your Credit With Experian, Equifax and TransUnion / GoodSam Roadside Assistance - AAA Membership - Consumer Reports: Buying a Roadside Assistance Plan / Food Delivery Is More Expensive Than It Used to Be - NYTimes: A Pandemic Lifeline for Restaurants, Delivery Is ‘Here to Stay’ \\

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.13.21 Vehicle Pricing Madness - Word to Buyers & Sellers / Supplements & Herbal Remedies - A Warning. Jul 13, 2021

    Used car prices have gone through the roof! Clark’s personal car selling story and an important warning for shopping used cars. / 3/4s of us take some form of herbal remedy and/or supplements. The FDA reports weight loss, muscle building, and sexual aid products pose the greatest risk. What certifications to look for when buying supplements.

    Ask Clark topics include: 5 Ways to Recognize Fraud and Scams | FEMA.gov / How to sell your house by owner \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.12.21 IRS delays / Promising news on Rx costs Jul 12, 2021

    Still waiting on your IRS refund? You’re not alone! The IRS Taxpayer Advocate has announced 35 million tax returns have not been processed. They’re severely short-staffed and refunds are delayed. Clark’s tax filing strategy to save you some trouble. / Promising news on the price of prescription medicine: A new program for prescription insulin has the potential to shake up the entire prescription marketplace! Clark discusses industry factors that affect the cost of meds, and reform initiatives.

    Ask Clark topics include: What Is an HSA Account and How Does It Work? / 529 Plans / Why You Should Never Use a Debit Card To Pay for Anything / What Is a Roth 401(k) and How Does It Work? - How To Open a Roth IRA / Roth IRA vs. Traditional IRA: What’s the Difference? / Homeowners Insurance \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.09.21 Clark answers his critics on Clark Stinks / Robinhood goes public & the Clark Smart approach to Investing Jul 09, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some people swear by Robinhood. Others swear at it. How free trading has evolved, and news on the controversial app, as they begin direct selling their stock. Get the Clark smart approach to investing.

    Clark Stinks and Ask Clark topics include: 6 reasons to think twice about co-signing a loan / Young Investors Society / PenFed Power Cash Rewards Review: Up to 2% Unlimited Cash Back - Best Rewards Credit Cards: Top Picks for 2021 / 7 Things You Need to Know Before You Fly Southwest Airlines - Delta, Southwest top J.D. Power airline ranking for 2021 / Peacock Review: NBC’s TV Streaming Service Has Something for Everyone - YouTube TV vs. Hulu Live: Which Streaming Service Is Better? / Fidelity Investments Review 2021: Pros & Cons - How To Open a Roth IRA / SBA's PPP loan forgiveness deadline is fast approaching. Don't be left on the hook \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.08.21 Clark Cruise Report / Summer Gas Prices - What to Expect. Jul 08, 2021

    Clark just returned from the first cruise to sail out of a US Port since the pandemic began. His full Royal Caribbean Celebrity Edge cruising report, including ports of call & vaccine policy. / Oil prices are the highest since 2015 and normal patterns don’t apply this year. Clark explains what factors are behind the price of gas and how long the pricing pain is likely to last.

    Ask Clark topics include: How to Make the Best Use of Your Delta SkyMiles / Electric Scooter Reviews | E-Scooter Tests - Consumer Reports / T-Mobile Expanding 5G Network - Offers New Home Internet Service \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.07.21 What People Power Can Do: Making a Difference by Volunteering / PPP Loan Forgiveness Update. Jul 07, 2021

    Near & dear to Clark’s heart: Volunteering. Clark’s service to others has been a lifelong endeavor, including Habitat for Humanity, Christmas Kids for foster children - and founding the Consumer Action Center in 1993 - still going strong offering free advice and accepting volunteers. / Did your business take out a PPP loan? The topic of forgiveness is a great source of frustration. Clark has the latest, plus advice on what to do if your PPP loan forgiveness is denied by the SBA or by your lender.

    Ask Clark topics include: 5 Steps to Getting a Good Deal on a Hotel Room - HotelTonight: Last Minute Hotel Deals at Great Hotels / Column: He hasn’t smoked in decades. But Hertz is hitting him with a $400 smoking fee - File Complaint with BBB / 5 Things to Know Before You Use Zelle \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.06.21 Best first credit cards for building credit / There's a war going on in the diamond industry and you’re the winner. Jul 06, 2021

    Clark smart recommendations for credit card first-timers and how to build credit. / The fight between the natural and lab-grown diamond industries is heating up. After years of escalating prices, the diamond industry is facing a real threat, and they’re fighting back. Lab-created diamonds are identical chemically to dug diamonds for a fraction of the price. And the industry is terrified …

    Ask Clark topics include: 6 Things To Know Before You Sign Up for Visible / What Are Index Funds? / Best Investment Companies for Investors in 2021 / Fidelity Investments Review 2021: Pros & Cons / What Is a 403(b) and How Does It Work? / What Is an HSA Account and How Does It Work? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.02.21 Clark answers his critics on Clark Stinks / A new auto insurance company with a big difference. Jul 02, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Is your car spying on you for your insurance company? Good news for consumers around that controversial topic. Telematics has been a privacy issue and has become more invasive and sophisticated over time. Meanwhile, you can save big if you drive less than 10,000 miles per year. A new small competitor - available in 4 states and growing - charges by the mile without spying. Clark explains.

    Clark Stinks and Ask Clark topics include: How Retirees Can Combat Inflation / Apple Credit Card Review: Earn Cash Back on Tech Purchases / Submit a complaint | Consumer Financial Protection Bureau / Small Business Help from SCORE / How to Freeze Your Credit With Experian, Equifax and TransUnion \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    07.01.21 A glaring problem with night driving & a safety tip / Online shopping: Who are you REALLY buying from? Jul 01, 2021

    Many headlights now, especially aftermarket brands, are blinding to oncoming drivers. This can make night driving perilous. Clark has a safety tip and welcomes yours. We need enforced standards for headlight intensity as a safety issue. / Think you’re shopping at your favorite store online? Think again - Many major retail sites of all types are now offering their platform to third party merchants. You can select the host merchant only. Overwhelmingly the items on Amazon are from other sellers. This is true of Walmart, Target, and other retailers increasingly. Be clear WHO you’re buying from and their rules.

    Ask Clark topics include: How To Start An Investment Club (And Other Alternatives) / American Association of Individual Investors / 22 Ways to Save Money on Gas / VA IRRRLstreamline refinance option - Navy Federal Mortgage Refinancing / How To Find and Choose a Financial Advisor / Vanguard Personal Advisor Services Review / Why Clark Howard Wants You to Set Up a ‘Financial Chromebook’ - For a Chromebook that’s no longer supported, set up a new Gmail address and cease financials on that device. \\

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.30.21 Working Teens & Roth IRAs / How much should you spend on your wedding? Jun 30, 2021

    Clark believes it’s essential that teenagers work starting at 15. Every dollar they DON’T spend, they can put into a Roth IRA (with a parental match if possible). Teaching deferred gratification gets youths in the habit of saving money to build for the future. / The summer is prime wedding season, and with so much pent-up demand, weddings are back - in a different form. Why Clark loves this trend.

    Ask Clark topics include: Discover it Secured Review: Earn 2% Cash Back While Building Credit / Ask Clark: How should I handle cell phone calls when I travel overseas? / How to handle money when you’re traveling overseas / Schwab - 5 Ways to Save Money When Traveling Abroad / Mint Mobile Review: T-Mobile’s Network for Only $15/Month \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.29.21 The deeper roots of worker shortages / Too sick to fly? Airlines don’t care... Jun 29, 2021

    We’re seeing worker shortages all over the country. The reasons may not be what you think. The problem pre-dates the pandemic. There’s a demographic angle. How businesses will need to adapt. / Have you ever had to cancel or delay a trip because you were ill? The airlines need to find a better way to treat people to protect us all. Taxpayer-funded corporate welfare saved the nation’s airlines. Each airline has a responsibility to the nation. If safety is the highest priority, why must they penalize illness?

    Ask Clark topics include: File a Consumer Complaint | US Department of Transportation / Uber and Lyft Surges: What to Know - The New York Times] - NEVER pay Uber or Lyft with Venmo - The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / BBB File a Complaint / Submit a complaint | Consumer Financial Protection Bureau \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.28.21 Subscriptionitis and the Clark Cure / WARNING & the workaround: Fake Fraud Alerts. Jun 28, 2021

    Subscriptions went way up in the pandemic year - many may no longer be relevant. Free Trials are a plague on people’s wallets. Anytime they need a form of payment, it’s not a FREE trial. People forget to cancel and keep paying. Many free trials obligate you for a term. A Clark Assignment around free trial offers & subscriptions. / Fraud Alerts are routine and many fraudsters have invaded this space. How these fake alerts work and your defense. There’s an easy workaround to protect yourself.

    Ask Clark topics include: Franchise ownership: Is it right for you? / Arctic Air Review: Can This ‘As Seen on TV’ Product Lower Your AC Bill? / Report: The Best Smartphones for Customer Satisfaction / CareCredit - Be certain you can pay it ALL off on time / How to Sell Your Car in 5 Steps \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.25.21 Clark answers his critics on Clark Stinks / WARNING: Rental Car Scams. Jun 25, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rental car scams are booming. An urgent warning about searching for deals online and the kind of payment requested.

    Clark Stinks and Ask Clark topics include: Report: The Best Smartphones for Customer Satisfaction / Best Free Password Managers: 7 Top Picks / 7 Places to Get the Best Deals on Lab-Created Diamonds / Megabus | Low cost bus tickets from $1 / When Should I Refinance With a No Closing Cost Mortgage? - Mortgage Refinance Calculator / Why co-signing a loan can be bad on almost every financial level / Does a Credit Increase Request Create a Hard Pull on Your Credit Score? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.24.21 PRIMARY CARE ACCESS: Improving U.S. Healthcare / Avoid overpaying on Amazon. Jun 24, 2021

    Clark discusses what’s needed to improve healthcare in the U.S. Expanded primary care access including NP and PA providers, and new subscription services are key. // Amazon loyalists get convenience but should consider that fake reviews, return problems, labor issues, and higher prices are all factors with Amazon and its mostly third-party merchants. Also, If you have Amazon devices in your home, under new terms of service, they utilize your internet connection unless you change your settings.

    Ask Clark topics include: Clark Howard: My 7 Rules for Using Credit Cards / What is a Promissory Note \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.23.21 Student loan forgiveness for victims of fraudulent for-profit schools / The only safe way to buy event tickets. Jun 23, 2021

    The law is finally being enforced against fraudulent for-profit student loan mills. Swindled students in debt can now receive loan forgiveness. Clark explains the role of colleges in excessive lending that impoverishes many parents, grandparents and graduates. // So many concert/sports tickets are bought through third-party brokers or ticket outlets. During Covid cancellations, many got little to no refunds. Beware buying this way. Buying legit can have huge markups. Clark tells you the only safe way to buy an event ticket.

    Ask Clark topics include: ConsumerFinance.gov - Submit a complaint / Target RedCard Credit Card Review: Earn 5% Back on Purchases / Wills & Funerals / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / How to Build Credit / What Is a 403(b) and How Does It Work? / Fidelity Investments Review 2021: Pros & Cons \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.22.21 The Incredible Shrinking Package / New Rules of Travel + using your miles & points. Jun 22, 2021

    “Shrinkflation” is real - Clark offers 2 ways to counteract less product in packaging, and tells you what “New and Improved!” really means. Also Clark’s outlook on inflation. / Clark smart TRAVEL - Do you have frequent flyer miles in your account?. Airline miles and hotel points belong to the issuers and they can devalue them at any time. Some mileage programs are 3rd party - much better. Plus, new rules from the EU -The vaccine is going to be key to international travel.

    Ask Clark topics include: How To Open a Roth IRA / Get An Identity Protection PIN | Internal Revenue Service / CREDIT CARDS / Deferred maintenance - Have an inspection to prioritize repairs. / Home equity loans & lines of credit / The worst insurance in the world / How to Buy Term Life Insurance / Emergency Fund Complete Guide: How Much & Where \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.21.21 Vehicles are lasting longer - but what about safety features? / Warning: Social media - hacks - and your best practices. Jun 21, 2021

    Vehicles keep getting better. Last year the average age of vehicles rose to 12.1 years. What you spend on housing and automobiles has the biggest impact on your long-term financial health. How long should you keep your vehicles to retire 5 years sooner? Safety concerns? Hear and use Clark’s New & 10 Rule, plus his 4 & 4 Rule for used cars. / Hackers are everywhere The weakest link: employee social media accounts. Don’t be the reason your company gets hacked. Your power is privacy - How to protect yourself and others from hacks.

    Ask Clark topics include: 6 things you need to know before donating your used vehicle / The Center for Auto Safety - Subaru - National Highway Traffic Safety Administration / How to Lower Your Credit Card Interest Rate / How Retirement Communities Work / HVAC leasing NOT recommended. \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.18.21 Clark answers his critics on Clark Stinks / True Story: Car Rental Rescue & a Primo TIP. Jun 18, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Christa & Clark have a harrowing car rental experience with some great advice for all - Something you should do before you show up at the rental counter can save your day.

    Clark Stinks & Ask Clark topics include: Here Is Clark Howard’s Bottom Line on Bitcoin / Protect Yourself and Your Family from Radon / How to Budget With a Cash Envelope System / How To Talk to Your Partner About Money Before Marriage / Apple iPhones Can Soon Hold Your ID. Privacy Experts Are On Edge / How to avoid paying $51 for a 60-cent toll / Why co-signing a loan can be bad on almost every financial level \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.17.21 Amazon Prime Days & other deals galore! / New cell phone deals from Verizon and AT&T - Worth it? Jun 17, 2021

    It’s time for some major sales! Amazon Prime days are coming up, and other retailers are already putting out screaming deals to compete. A Clark smart deals roundup. / Verizon & AT&T offer deals to stop switchers. Are the new phone giveaway deals a real bargain? AT&T and Verizon compete with free phones - with a catch... - Report: The Best Smartphones for Customer Satisfaction.

    Ask Clark topics include: Living Will Forms (“Directive”) - search Living Will + your state or ask for forms at a medical facility. / When Should I Refinance With a No Closing Cost Mortgage? / Apple Credit Card Review: Earn Cash Back on Tech Purchases / Best Rewards Credit Cards: Top Picks for 2021 / 7 Things to Know About the New Venmo Credit Card \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.16.21 Clark Mic Check: Of audio & internet connections / Solar sales hazard Jun 16, 2021

    An update on Clark’s review of T-Mobile’s home internet service. / Clark loves solar power but has a warning about the industry. What to know when installing solar for your home.

    Ask Clark topics include: 1031 Exchange Rules: What You Need to Know - Clark avoids this as capital gains tax rates are favorable now / Best Free Password Managers: 7 Top Picks - Consumer Reports Password Manager Ratings / What Is an Annuity, and Why Does Clark Think They Stink? / How To Find and Choose a Financial Advisor / Owner’s Title Insurance / How to Deal With Medical Debt / Best Investment Companies for Investors in 2021 / Udemy Voice-Over Courses \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.15.21 YOU PAY for credit card fraud - unless…. / A look back at long-held fears of robots and technology. Jun 15, 2021

    We bear the cost of credit card fraud directly. A quarter of Americans were victims of credit card fraud last year. One simple way to protect your wallet. / Are you concerned robots will take over all of our jobs? Throughout modern human history, there have been predictions of job loss due to technology. Clark smart historical perspective on automation, robots, jobs lost - and gained.

    Ask Clark topics include: How to Switch Banks in 4 Simple Steps / 5 common contractor scams and how to avoid them / How to roll over a 529 plan, and why it may be a good idea / INSURANCE - Amica - Six-Month Auto Policy FAQs \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.14.21 Home Upgrades: Worth it? / Getting goods for FREE - a win-win. Jun 14, 2021

    Clark breaks down the true value of remodeling and the best reason to do a home upgrade. / Trading, bartering, getting stuff for free - Several ways to find goods, from clothing to furniture, for little or no money while helping to eliminate waste.

    Ask Clark topics include: Google Fi Review: The Best Cell Phone Provider for International Travel? / Mint Mobile Review: T-Mobile’s Network for Only $15/Month / 3 Things to Know Before Buying Owner’s Title Insurance / Home Title Lock: Is It The Same As Home Title Insurance? - Have your county notify you if there is any activity on your title. / Marriage, money and happiness: A timeline. \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.11.21 Clark answers his critics on Clark Stinks / Couples, marriage and financial harmony. Jun 11, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Weddings are coming back in big numbers. Couples can eliminate the financial pitfalls that can poison a relationship by first thinking through what’s important to each and having an ongoing dialogue to get financial cards on the table. Hear Clark smart strategies about how to proceed from there.

    Clark Stinks & Ask Clark topics include: The Best Veterans and Military Charities / United Service Organizations - USO / Which restaurant tipping method is better? / Your C.L.U.E. Report / Xoom.com | Send Money Abroad Fast | Xoom, a PayPal Service / 6 Best Ways To Send Money Online / When and Where to Buy a Wireless Security System / Your Guide to DIY Home Security Systems \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.10.21 Downsizing and purging your stuff / Matching jobs with skilled workers. Jun 10, 2021

    Clark recently moved and has fresh wisdom on downsizing / How do you seize the opportunities available in today’s job market? We need to be lifelong learners. The more we learn, the more we earn. Employers can’t match skilled workers to available jobs. The ladder is training. Middle skill jobs require skills based training. Clark discusses 3 approaches including workforce development programs - the win-win we need in the U.S.

    Ask Clark topics include: Fidelity Investments Review 2021: Pros & Cons / Pet Insurance - Pet Insurance: Should You Buy It? / Best Treadmill Reviews – Consumer Reports / 5 Ways to Create a Cheap Home Gym \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.09.21 2 Retail titans could transform healthcare / Your digital driver’s license. Jun 09, 2021

    Both Walmart and Amazon are getting into healthcare to save money for their companies, and potentially for all consumers (including those insured), using both telehealth and clinics. Clark explains the offerings. These outsiders will expand outside of their own employee groups to become a threat to the medical industry, and a benefit to consumers. // In addition to having a physical DL, some states are rolling encrypted digital versions to carry in your phone. Mobile driver’s licenses are not subject to manipulation to create fake IDs. When it comes time to renew, check online to see if this convenience is available.

    Ask Clark topics include: Social Security Basics: | Kiplinger / For Sale By Owner (FSBO) Definition – hire a real estate lawyer to do the paperwork. / 7 Things to Know Before You Buy Travel Insurance / 9 ways to pay for college without student loans / Debit vs. credit | Pros, cons and protections for your money \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.08.21 Special Guest: Clark Howard and Jonathan Clements share personal finance wisdom Jun 08, 2021

    Clark speaks with admired colleague, finance expert JONATHAN CLEMENTS - founder and editor of HumbleDollar, author of personal finance books and former personal finance columnist for The Wall Street Journal, among other accomplishments. They discuss the core attributes of financial success, working part time in retirement, prioritizing debt, marriage & money, saving late in life, paying for college, divorce - financial strategies for life's stages and rebounding from life's setbacks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.07.21 Save on credit card interest and annual fees / Buying life insurance: Have no fear - Clark is here. Jun 07, 2021

    You may be a candidate for strategies that can lower your credit card interest rate and eliminate your annual fee. / Life Insurance is an area where you can easily get ripped off. Clark guides you through the process. You’ll learn the different types, what to avoid, where to look and how much to buy. Fear not. It’s easier than it once was.

    Ask Clark topics include: Radon Gas / Policygenius Review: What to Know Before Getting Quotes / Haven Life Insurance Agency Review: How It Works


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.04.21 Clark answers his critics on Clark Stinks / Better business banking Jun 04, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / If you are an owner or involved with the finances of a business, you know the banking industry has traditionally killed you with fees. Clark lists several alternatives including something new from Squareand a warning about specialty online lenders.

    Clark Stinks & Ask Clark topics include: How To Find Your Chromebook's End-of-Life Date - Lifehacker / 4 Things to Know Before You Sign Up for Locast / Overdraft Protection / Clark Howard’s Bottom Line on Bitcoin / Best savings accounts for June 2021 / Car Rentals / Non-Owner Car Insurance: Who Needs It? / How to Monitor Your Credit \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Free Advice: Clark's Consumer Action Center

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.03.21 Awesome: Team Clark’s new streaming tv tool / The timeshare TRAP resets. Jun 03, 2021

    Banish streaming price confusion - Our new interactive tool allows you to enter your favorite channels to uncover the best options for you. Load & delete channels and find your best price per month. ~Live TV Streaming Channel Tool - Clark Howard~ / Travelers, an important warning about timeshares. Clark explains why there’s no intrinsic value. The industry expects a great year due to pent up travel demand, making people extra vulnerable to the timeshare pitch. A NEVER NEVER Clark rule on timeshares you can take to heart - and to the bank.

    Ask Clark topics include: Credit Cards Archives / Best Balance Transfer Credit Cards / Best 0% Intro APR Credit Cards / How To Bypass the Banks for a Loan / How To Open a Roth IRA / This Mistake at the ATM Could Be Costing You $240 a Year / Is a Home Warranty Worth the Money? / Where Do We Get a Homeowners Warranty on Appliances? / Don't let your gym give your wallet a workout / Dangers of putting monthly bills on automatic debit / Your Guide to DIY Home Security Systems / Wyze Home Monitoring \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.02.21 Travel Plans: Save on lodgings / Doctors' orders - Take your vacation. Jun 02, 2021

    Airbnb is in need of hosts. The original idea was to save money. But now, 1 out of 4 stays are a month or longer due to remote work capability, driving the average cost of an Airbnb stay up 35%. How to flex with this environment and save on lodgings this summer. / Vacation & work/life balance is seriously vital to health. A new WHO report details how excessive work is literally killing people. Many are working themselves to death. Use your vacation! You’re better at what you do when you get enough rest, mentally & physically.

    Ask Clark topics include: Google Flights / Customers Fight Airlines For Refunds From Pandemic Cancellations : NPR / Clark Howard: Here’s My Experience Selling a Home With an iBuyer / What Is an HSA Account and How Does It Work? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    06.01.21 HOME and/or OFFICE: The hybrid work debate / Danger & the Citizen app. Jun 01, 2021

    Vaccines have changed the recovery equation much sooner than thought and employers are moving up reopening offices. Many bosses don’t trust employees working remotely and miss control. Many workers love the flexibility of working from home and have choices to make. Pros, cons, exceptions and company culture considerations in the hybrid work debate. / Clark reviews the Citizen app. Will he continue past his free trial? Recently, someone was falsely accused due to the app. Citizen responded well to the now resolved incident.

    Ask Clark topics include: How to Teach Young Kids About Money / 5 Ways To Get Your Free Credit Score / Should You Buy an Extended Warranty on Your Car? / Fidelity Investments Review 2021: Pros & Cons / The FIRE Movement \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.28.21 Clark answers his critics on Clark Stinks / Unbanked in the USA - no more. May 28, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Fintechs are bringing about enormous change. Forget banking fees, minimum balance requirements, check cashers & payday lenders. Legit services are available for all. App based and online banks, the best credit unions - are great alternatives. The DNA of traditional banking is hostile to those who don’t have big balances. Welp, you don’t need them either. Chime Review: Pros & Cons of the Bank Challenger - Clark Howard

    Clark Stinks & Ask Clark topics include: Rule of 752: How Small Expenses Can Destroy Your Budget / 7 Major Expenses in Retirement (and How to Reduce Them!) / Google Photos / Is It Wise To Sign My Credit Card on the Back? / How To Find and Choose a Financial Advisor / Roth IRA / Roth vs. Traditional 401(k) - What Is a Roth 401(k) and How Does It Work? - Clark Howard \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.27.21 Saturday 5-29-21 is National 529 Day / The Forgotten Money & a Clark Assignment. May 27, 2021

    National 529 Day - Millions have 529 plans to save for college with tax free growth for qualified spending. Be aware 529 Plans vary. Many states roll in a state tax deduction for contributions up to a certain limit. Clark tells you which plans to eliminate and about the recent regulatory change involving grandparent owned plans. / Would you leave a $20 bill languishing in a drawer or toss it out? Gift cards are real $$ disguised as ….. gift cards. Time to use ‘em or lose ‘em. There’s $800M in gift cards never redeemed for a single major retailer. What? Retailers love this “breakage” which is pure profit for them. A Clark smart assignment.

    Ask Clark topics include: Asking for a credit increase -How To Improve Your Credit Score by 100 Points in 30 Days / TURO - How to Make Extra Money / Travel Planning / EvaluateLifeInsurance.org \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.26.21 Deadline for saving on streaming / Gangster Gambler Future Money - The upshot of cryptocurrency. May 26, 2021

    Deadline to Savings: June 8 - The video streaming world is in huge transition. Mergers signal industry consolidation. Philo - still the cheapest - is going up but Clark tells you how to avoid the price increase. See if Philo would work for you. // Why does Clark call cryptocurrency fake? Clark describes cryptocurrency in theory vs practice, the government restrictions and the fundamental value of electronic money. What to expect if you play in crypto today.

    Ask Clark topics include: The New Washington State Long-Term Care Act - Coldstream Wealth Management - WA Cares Fund / Long-Term Care Insurance / These Credit Cards Offer Car Rental Insurance Benefits / Mortgage Refinance Calculator / SIM Card Fraud & How to Stop It / Submit a complaint | Consumer Financial Protection Bureau / CarMax Review \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.25.21 Dread shopping auto insurance? Clark breaks it down // Online shoppers face a myriad of manipulative tactics. Not cool. May 25, 2021

    Shopping auto insurance: Ideally, you need to compare to find the best deal. Clark breaks down auto insurance shopping services, highlights The Zebra, helps you navigate the lead generation aspect and understand independent vs captive insurance agents. You can do this! // There are many pitfalls with online ads and purchasing - tactics used by companies to bait you into buying services and goods you don’t want or need. Know when you’re being manipulated online.

    Ask Clark topics include: 7 ways small business owners can reduce their tax bill / Will a Hybrid Car Save You Money? There's An Easy Way to Find Out \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.24.21 New opportunity for skilled freelancers / New, more inclusive credit card offers May 24, 2021

    The “side gig” economy is the real deal, and some people are making 6 figures being their own boss. It’s a great time for those with specialized skills to make money freelancing. - SideHusl - Find the Best Money Making Option for You // Americans have paid off a great deal of credit card debt. Credit card banks are getting desperate and making generous offers. Even if you have no credit score, you may be in a better position than you think.

    Ask Clark topics include: Use Google Navigation to avoid tolls or a multi-state toll reader / Life Insurance - EvaluateLifeInsurance.org / Fidelity Investments Review 2021: Pros & Cons / Roth vs. Traditional 401(k): What's the Difference? - Clark Howard


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.21.21 Clark answers his critics on Clark Stinks / Building & rebuilding your rainy day account. May 21, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly 1 in 4 Americans have 0 in their rainy day account. How to get this done after the whiplash of 2020? Clark gives you the little steps that build life habits, including starting a savings account and Roth IRA to gradually build your savings.

    Clark Stinks & Ask Clark topics include: Locast / How To Watch Local Channels Without Cable / How to Make a Disposable Razor Last 12 Months / 5 Reasons Why Home Insurers Will Fire You as a Customer / What's the Deal With Dogecoin? / Your Guide to DIY Home Security Systems - Ring Security System Review - Clark Cam: Ring Security System Installation - YouTube / Fidelity’s Pitch to America’s Teens: No-Fee Brokerage Accounts - WSJ - For kids under 13 set up & monitor a credit union savings account with debit card / update this crucial beneficiary information \\


    Want more money advice? Sign up for Clark’s free daily newsletter!


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.20.21 New Era: It’s employers’ turn to flex // Real Estate: A Clark Warning like it’s 1999. May 20, 2021

    In the pandemic, many have been forced to work from home. Now that offices are starting to re-open, do you want to go back in person? Survey: Would you rather work from home or get a $30K raise? Employees say no contest... / Survey: 71% expect significant increases in the value of homes, placing real estate investing over stocks. Why this optimism may be misplaced: Reversion to mean. Investment real estate right now doesn’t work. If you're not buying real estate for the right reason, you may very well get burned.

    Ask Clark topics include: How to Buy a House in 9 Steps / 5 Sneaky Ways to Improve Your Credit Score / Insurance Policies Homeowners Need To Get and the Ones To Skip \\


    Want more money advice? Sign up for Clark’s free daily newsletter!





    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.19.21 Key app privacy moves to protect your $ and ID / Smart driving Memorial Weekend. May 19, 2021

    Venmo, Tik Tok and Security: Payment App Rules - Don’t use them to pay strangers and beware hackers. Plus, PayPal has attached a social feature to Venmo. Unless you override it, people can see your payments - Why this is risky and what you can do about it. And, should you log in with social apps? / 37 Million of us are traveling over the Memorial Day weekend. Driving tips to ease the way.

    Ask Clark topics include: How to Sell Your Car in 5 Steps - Clark Howard / Costco Travel / Travel Archives - Clark Howard \\


    Want more money advice? Sign up for Clark’s free daily newsletter!



    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.18.21 Clark smart advice if your car lease is ending / Lab diamonds are forever for less. May 18, 2021

    The average price of a used car is up 17%; new cars are up 10% over the last year. If you’re in a car lease that’s ending, Clark has a strategy your wallet will love. / Lab created diamonds are chemically identical to diamonds dug from the earth. The price is the bigger difference. Plus, there are environmental and humanitarian advantages. But there’s something you should do before you give this gift….

    Ask Clark topics include: Credit Cards / Fraudulent Unemployment Claims / Google Flights / Scott's Cheap Flights | / What's the Deal With Dogecoin? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.17.21 Clark Howard's Commencement Address to the Class of 2021 / DEADLINE: Free photo storage May 17, 2021

    Clark wisdom on life-long learning, the transient nature of work, pursuing your passion and being true to yourself, staying relevant in a fulfilling vocation, your approach to money and finding satisfaction and joy in life. / There’s an important deadline you need to know about. There are just days left to take advantage of an incredible free photo storage offer.

    Ask Clark topics include: Replacing lost key fobs affordably / Emergency Fund Complete Guide: How Much & Where / 7 Emergency Expenses and How Much to Budget for Them / How to Switch Banks in 4 Simple Steps \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.14.21 Clark answers his critics on Clark Stinks / SAVE big with Clark's new streaming comparison guide. May 14, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. /

    An update on net neutrality. The cable monopoly is being broken piece by piece. Internet service choice is coming. Clark explains how this is comparable to cable’s monopoly over pay TV being crushed in the marketplace. Clark has a video streaming challenge for you and helps you SAVE money by comparing streaming services all in one place! Best Streaming Services: Every Option Explained - Best Live TV Streaming Services

    Clark Stinks & Ask Clark topics include: Cell Phones Archives / 5 Easy DIY Auto Repairs You Can Do Today / Authorized User vs. Joint Account Holder \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.13.21 TRAVEL SPECIAL - Scott Keyes Interview May 13, 2021

    Scott Keyes, founder and chief flight expert of Scott’s Cheap Flights joins Clark to talk about myriad aspects of travel now and moving forward. Essential listening for travelers as 2 experts convene.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.12.21 Pipeline Cyberattack: “Building in redundancy” & gas prices / The deadline approacheth: Talking Taxes. May 12, 2021

    The prevalence of cyberattacks and the nature of the east coast oil pipeline attack - A Clark smart warning and actions you can take. / You must file taxes, or at least file an extension - whether you can pay or not. 90% can prepare and file taxes for free, yet only 7% do. Clark shows the way. Also, $1.3B unclaimed 2017 tax refunds could disappear next week. Get your money.

    Ask Clark topics include: GasBuddy / Do Not Get a Big Tax Refund Check / Know the Rules for Roth 401(k) Rollovers / Group Homes an Alternative for Seniors Who Can't Age in Place \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.11.21 Beware Facebook messenger scams / A Clark Howard true confession, supply, demand & gas prices. May 11, 2021

    There’s an ongoing series of Facebook messenger scams. Facebook identities are taken over by crooks who use familiarity to commit affinity fraud. What you should out for. / Clark backs out of a long gas line in California & pays the price. What should you know about summer driving? Clark explains ‘backwardation’ in terms of where gas prices are, why, and where they’re headed.

    Ask Clark topics include: Homeowners Insurance / Hearing Aids / Apple Credit Card Review / Best Cash Back Credit Cards \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.10.21 Wedding plans & money talks / Clark’s ‘squeeze every penny’ savings approach. May 10, 2021

    Money talk ain’t pillow talk but it works to save a marriage…. There’s pent up demand to throw weddings, but be prepared to take the leap by talking money before the nuptials. Clark describes one of the greatest flashpoints in the first 3 years of marriage, and the nature & importance of ongoing money & goal conversations. / If you too liketo squeeze out every last bit of toothpaste & other products, you’re on the right track. Housing and cars are our biggest expenditures. We can also attend to spending at the margins, part of the saving mentality. Clark also speaks to another part of the ‘spend less that you make” credo, to create more freedom and serenity in your life.

    Ask Clark topics include: When does a 0% purchase plan make sense / How to Freeze Your Child's Credit / Credit Union National Association | CUNA / Clark’s Bottom Line on Bitcoin / When Should You File a Claim on Your Homeowners Insurance? \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.07.21 Clark answers his critics on Clark Stinks / The class of 2021 enters a whole new world and job market. May 07, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The job picture could not be more different than 1 year ago. Now employers are desperately looking for workers across many categories. For the class of 20 - this could be reset time. The key to getting good work is personal contact, not just sending out resumes. Network with people. Digital methods are a process of elimination. People hire people.

    Clark Stinks & Ask Clark topics include:

    Costco vs. Sam's Club vs. BJ's Wholesale / Sam's Club membership deal- Clark Deals / Streaming TV / A Guide to Nondeductible IRA Contributions / Ooma / Credit Score Guide / Aldi - Clark Howard / 401(a) vs. 401(k): What's the Difference? / uShip | Shipping Made Easy / Clark's 'Ditch Your Debt' Facebook group \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.06.21 Shopper’s High: Using plastic lights up your brain / A new option for building & repairing credit. May 06, 2021

    Hear Clark’s 30 year standard method for dealing with lifestyle debt, and how using plastic triggers a kind of euphoria while keeping you from ‘feeling the spend’. / Better Banking - Chime has eliminated the junk fees and pain points of traditional banks. Low credit score? The Chime Credit Builder secured Visa card gives you control in a unique way. Also consider the Petal card for this purpose, or a credit union fresh start card.

    Ask Clark topics include: American Kennel Club / Blue Cross Blue Shield Settlement / How Much to Tip During the Coronavirus Pandemic / Which Documents Should You Keep and for How Long \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.05.21 Cell deals for single data hogs / Phasing into a later full retirement. May 05, 2021

    MVNO Mint Mobile has a plan for individual high data users for $30 a month. Clark offers details on this deal and others. / We’re living longer and may need to rethink our retirement age. Clark describes a phase in strategy that can really change the economics of your retirement years.

    Ask Clark topics include: The Best Place to Order Checks Online / 15-year mortgage / These Chromebooks less than $200 / laptop deals / Hybrid Financial Advisors / Full-Service Financial Advisor vs. Hybrid Robo-Advisor \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.04.21 A timeshare scammer spills trade secrets / HELP WANTED with job training, not hand outs. May 04, 2021

    Want to sell your timeshare? An former inside scammer reveals how they find you and get inside your wallet - No sale. / Survey says: Most Americans want government-backed job training over handouts. Lifelong training is essential to a dynamic economy wrought by ever changing technology.

    Ask Clark topics include: Home | Costco Travel / Digital Receipts | Paperless Receipts | CVS / Debit vs. credit | Pros, cons and $ protections / What Is a Flexible Spending Account? / 529 Plans: The Best Places to Invest Your Education Savings - Clark Howard \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    05.03.21 A shocking statistic about student loan forgiveness promised to our military. / 2 loopholes crooks crawl through to steal unemployment funds. May 03, 2021

    PROMISES BROKEN: One privilege of military service is student loan forgiveness. But the U.S. Dept of Education rejected 94%, just like public service loan forgiveness was largely rejected. This must be fixed. Congress talks a good game about valuing the military. The country must fulfill its promises to those who serve. / CRACKING THE CASE: How pandemic unemployment compensation has been looted, even from people who had their credit frozen, costing taxpayers $billions.

    Ask Clark topics include: How to know if you qualify for student loan forgiveness / Booking a Trip For This Summer or Fall? Your Flights Will Change / How To Prevent, Report and Repair Identity Theft / 5 Sneaky Ways to Improve Your Credit Score \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.30.21 Clark answers his critics on Clark Stinks / IRS delays and a Clark smart tax move. Apr 30, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. /

    Labor shortages and last minute code changes are forcing manual processing of 2020 taxes. Refunds are delayed. Clark’s got a suggestion for those who routinely get refunds.

    Clark Stinks & Ask Clark topics include: Best Laser Printers for Your Home Office - Consumer Reports / How to Get a Mortgage in 8 Steps / 6 Things to Know About Refinancing Your Mortgage / Which Documents Should You Keep and for How Long? / Robinhood Review: Pros, Cons & Who Should Use It \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.29.21 Will the housing market crash? / HELP WANTED: A dramatically improved job market. Apr 29, 2021

    The housing shortage has pushed homeprices to an all time peak. Clark speaks to fears of a real estate market crash and explains how the market is likely to play out. PLUS, a key rule for home buyers today. / Uber and Lyft are good economic indicators of the employment market and there’s a labor shortage in many different categories to explore. Some employers are desperate to hire. This will be a great summer for teen employment.

    Ask Clark topics include: How to Find a Good Moving Company / uShip | Shipping Made Easy / Certified Professional - The Travel Institute / Payment Apps / 401(a) Plan Definition \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.28.21 Streaming Standoff: Roku vs. Google over You Tube / Auto industry game changer for car buying Apr 28, 2021

    There’s a streaming standoff between Roku and YouTube. What was once a cable issue is now spilling over into the streaming world. Streaming TV Archives - Clark Howard / Auto industry game changer is set to ground 'the grind'. HUGE news in the new car buying industry is not being widely reported - something Clark believes will absolutely change the way you buy a new car in the future.

    Ask Clark topics include: How to Find the Best Deal on Cheap Internet Service / Google Fi Review / T-Mobile Expanding 5G Network To Offer New Home Internet Service / Verizon 5G Home Internet Expands Service to More Cities / Cell Phones Archives - Clark Howard / How to Buy a Used Car \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.27.21 Confused about financial advisors? Clark clears the way to investing / Restaurants of the future appearing now.. Apr 27, 2021

    Clark clarifies the zone between full service and self service investing and describes the 3 hybrid discounters to help you choose what’s best for YOU! And - the KEY to buying financial advice. / Why now the labor shortage in restaurant industry and how tech will fill the gap. Be prepared to be greeted by a robot. New technologies being rolled out mean less interaction with servers.

    Ask Clark topics include: Life Insurance - Clark.com / 529 Plans / How To Prevent, Report and Repair Identity Theft / Freeze Your Credit - Clark Howard


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.26.21 The app that gamified stock trading & the tax lash / Clark’s gives props to cable companies…. What! Apr 26, 2021

    Word to high frequency traders - Clark’s journey with Robinhood and its imitators has been arduous of late. The timeline and tax takeaway is news for investors… How to avoid the tax backlash. / Cable companies, previously one of your wallet’s arch enemies, are now becoming heroes in the cell phone industry. How cable companies can save you money on your cell phone bill.

    Ask Clark topics include: Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity / How to Stop Robocalls for Good / Best Landline Alternative | Ooma / Zillow's Zestimate Accury | Zillow / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments - Clark Howard \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.23.21 Clark answers his critics on 'Clark Stinks' / Guess who lost their Covid Vaccination card? Apr 23, 2021

    Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. / What happens if you lose your Covid vaccination card? It happened to Clark! Ideas to protect your card.

    Clark Stinks & Ask Clark topics include: Paying Contractors: Don’t pay big cash up front, make a progress payment agreement / Lazer printers can be a smart choice / The Best Places To Buy Eyeglasses / E-ZPass Group / Vanguard Mutual Fund Profile / How To Open a Roth IRA - Clark Howard \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.22.21 Travel News includes a huge airfare sale / Medical price transparency - how to advocate for your wallet. Apr 22, 2021

    The full fare airlines have pivoted to leisure routes and Southwest has launched a fare sale cycle. Clark travel advice includes flight cancellation, the rental car problem and hotel prices. / The same blood test cost one cancer patient 800% more at a hospital than it did at a doctor’s office. Large hospital systems are hostile to price competition. Clark updates the battle for price transparency & explains how to handle a medical test or procedure referral.

    Ask Clark topics include: Using GoodRx / Submit a complaint | Consumer Financial Protection Bureau / Check warehouse clubs to buy generators / Getting the Best Car Rental Deal - AutoSlash Review / HSA Accounts / Spot hidden resort fees when booking travel \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.21.21 Impending price hikes and what you can do about it / The Peloton problem and treadmill safety. Apr 21, 2021

    Clark talks gas prices and other increases he didn’t see coming. What’s happening and what you can do about it to protect your wallet. / Peloton has seen huge growth during the pandemic. Now they're refusing to recall their treadmills despite a call from the CPSC to do so. Clark discusses corporate behavior and treadmill safety.

    Ask Clark topics include: Get started with Medicare / Umbrella Insurance Policy / Ibotta Review / Costco extended warranty / Series I Savings Bonds - TreasuryDirect - Individual - Series I Savings Bonds \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.20.21 A partial solution to affordable housing / The job market is heating up. Clark smart opportunities. Apr 20, 2021

    Dwellings are the largest expense we have and a key determinant of financial health. Clark describes obstacles to and different types of ADUs - accessory dwelling units - a win-win for landlords and renters. / The trucking industry is short of drivers and pay is going up. Many companies provide training. Also, the Federal Reserve reports small businesses have been far more resilient than anticipated and there is less dislocation than feared. Learn how the table is set for a really strong small business recovery.

    Ask Clark topics include: Paying cash to a contractor / Lumber costs / Guide to DIY Home Security Systems / Costco members: Ring wireless 10-piece security kit for $180 - Clark Deals / How to Freeze Your Credit / How to Buy a Used Car / Petal Card Review: A Good Option for First Credit Card? \\

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.19.21 Protecting your children online / The ‘liquid biopsy’ is a game changer in cancer detection. Apr 19, 2021

    3 class action lawsuits found game developers and content providers violating the law, tracking and building profiles on children. We need punitive legislation and parental oversight. There are programs to help parents monitor and limit their children online. / Two years ago, as a board member of the Prostate Cancer Foundation, Clark first heard of liquid biopsies, blood tests with DNA screening for cancers and potentially the Holy Grail of diagnostics. Clark updates the progress of this testing, where it is now in the marketplace and its cost history. The biggest problem remains the avoidance of medical care. Regular check ups make a big difference.

    Ask Clark topics include: Is silver a good investment for you? / Termite Bonds - recommended / All SCOTTeVEST Travel Jackets / How To Find and Choose a Financial Advisor / Schwab automated investing with unlimited guidance | Charles Schwab \\


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.16.21 Clark answers his critics on 'Clark Stinks' // No health insurance? Why now is the time to apply. Apr 16, 2021

    Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks.

    There are significant changes for individuals and families that buy their own compliant health insurance policies. A special enrollment period extends through August on Healthcare.gov. If you have a tight income and don’t have health insurance, Clark explains why you should apply now and double check for subsidies.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.15.21 House mania hits the nation - A revised Clark smart home buying rule / Extended service contracts - what kinds of coverage do you really need? Apr 15, 2021

    Home buyers are squeezed right now, having to pay more. Clark discusses the supply problem and the logic behind his new rule on your ownership cycle. / Extended service contracts, insurance coverage and warranties on electronics & appliances is a key profit push for retailers. Clark explains what type of insurance you actually should have. Plus, why Clark is neutral on vehicle warranties and what he recommends.

    Ask Clark topics include: Going solar / Home remodeling / Replace a lost Social Security card / Identity theft / Car Insurance //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.14.21 Membership has its privileges (and costs) as retailers compete to sign you up. / 2 new home internet choices worth considering. Apr 14, 2021

    Clark reviews the new Best Buy membership program as they compete with the bigs - Amazon Prime, Walmart+ & Costco. Retailers are challenged to connect in new ways. CVS and Walgreens are also offering memberships. / Clark & Christa are testing out T-Mobile’s home internet. Hear their verdict on this flat rate alternative to traditional home internet. Simultaneously, more zip codes in the U.S. are able to get Starlink internet from SpaceX, offering high speed unlimited data, soon to blanket the nation.

    Ask Clark topics include: How to Open a Roth IRA / Index Annuities / Target Retirement Funds / How to Freeze Your Credit / Google Flights //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.13.21 Online Privacy: Clark tests out a Brave new browser / Save a ton on your vehicle loan Apr 13, 2021

    We’re always being tracked online but there are browsers and extensions to help protect privacy. Clark has tested a couple and reports on ease of use. / How most of us buy a car is a giant rip off. Clark explains how the game is played and how to obtain - or refi your loan the right way.

    Ask Clark topics include: Deferred Compensation Definition / How to Open a Roth IRA / Investing Guide / FDIC: Deposit Insurance FAQs / Best Online Banks / Travel Insurance / Should You Buy Out Your Leased Car? / Charles Schwab Bank Debit Card


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.12.21 New strides in financial literacy / How Emperor Clark would fix the U.S. tax system. Apr 12, 2021

    We’re seeing more focus on how to reach and teach young people about money. There’s collateral damage due to lack of financial education. Some high school programs exist. TikTok is now offering financial teachings of the basics of personal finance. Starting at age 6, the more parents can talk to kids and teach by example about saving and making money decisions, the better. // Tax policy in the U.S. is a ridiculous mess, and changing all the time. How we do taxes should be non-partisan. But taxes are used to settle scores to the great harm of individuals and economic growth. If Clark ruled the land, how he would make taxes more equitable and understandable.

    Ask Clark topics include: Guide to DIY Home Security Systems - Wyze Cam smart security camera for $20 - Clark Deals / Taxes Archives - Clark Howard / Experian Boost Review / Free Advice: Clark’s Consumer Action Center - Clark Howard //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.09.21 Clark answers his critics on Clark Stinks / A great new employee benefit goes toward education costs. Apr 09, 2021

    Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks.

    A new federal law allows employers to pay toward employee student loan debt or for a portion their education, through 2025 - tax free for the recipient, deductible for the employer. Clark explains this voluntary benefit - a win-win.

    Clark Stinks & Ask Clark topics include: Consumer Reports- printers / Two-factor authentication with Cash App / Insurance subrogation /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.08.21 Great news if you're saving for your grandchild's college / What you should know and do about the Facebook data breach. Apr 08, 2021

    Historically, 529 plans owned by grandparents negatively impacted the student’s financial aid profile. That changes this fall. Clark explains the new FAFSA rule, and the WRONG way to set up a 529 account. / The Facebook data breach involves more than half a billion people around the world. What info criminals have and what you need to do to protect your identity and your wallet. Freeze Your Credit. Security is not part of the principle architecture of how the internet works, leaving each website to protect its info. Advice for website owners who collect personal information.


    Ask Clark topics include: Student loans: start with federal borrowing / 7 Best Ways to Save for Retirement in Your 50s / Best Credit Cards for Extended Warranty / Online education / Authorized user /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.07.21 News on eviction law and auto loans & a Clark NEVER rule / Why this decade could be a golden age for workers. Apr 07, 2021

    Economic fallout from Coronavirus: Clark explains why, as we enter economic recovery, a homeless problem appears. Also, auto loan delinquencies are up. Clark's NEVER rule for car buying. / Jobs are roaring back in the U.S. - Why this decade could be a golden age for workers.

    Ask Clark topics include: Clark's Maximum Auto Loan Length Rule / How To Spot Financial Abuse of an Elderly Relative or Friend - Clark Howard / How to Buy a New Car / How to Buy a Used Car / How to Open a Roth IRA / Credit Freeze //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.06.21 The best printers for home and office / Car rentals are sky high. Booking strategies. Apr 06, 2021

    New reviews of affordable printers indicate great improvement. The HP business model means high prices for ink. Epson and Brother have that option, plus, more costly printers requiring very low cost ink which saves big$ over time. / Car rental prices have spiked in many areas. Clark has some workaround strategies to use until costs normalize.

    Ask Clark topics include: Charitable Gift Annuity / 7 Things To Know Before You Buy Gas at Costco Wholesale / How to Stop Robocalls for Good - Combating Spoofed Robocalls with Caller ID Authentication | FCC / Is a Home Warranty Worth the Money? /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.05.21 Know your rights with debt collectors / What is “stream creep” and are you paying the price? Apr 05, 2021

    A new debt collection rule may kick in this November allowing collectors to contact consumers via email, text and direct messages on social media, with no frequency limits. Regardless, it’s essential to know your rights with debt collectors. Clark offers some key rules to help protect your credit. / As we transition from traditional pay TV to streaming, we can end up paying more if we’re not careful. Are you topping $100 a month? Do you watch every service you’re signed up for? A Clark assignment.

    Ask Clark topics include: How to Deal With Medical Debt / Identity Theft Guide - Clark Howard / The Best Car-Buying Services in 2021 / Disability Insurance / Companies That Buy Houses for Cash //


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.02.21 Clark answers his critics on Clark Stinks / New food purchase tech and the convenience store pivot. Apr 02, 2021

    Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / Glorified Vending Machines: Unstaffed robotic cooking centers, sometimes seen in airports, are coming to neighborhoods - open 24/7 with reduced labor costs. Meanwhile, convenience store operators realize they can’t live by gasoline sales anymore, with gas sales declining as people migrate to electric vehicles. Chains are experimenting with affordable fresh food offerings.

    Clark Stinks & Ask Clark topics include: PODS for interstate moves / How Many Credit Cards Should You Have? / How to Find and Choose a Financial Advisor / Vehicle Buying Guides /


    Want more money advice? Sign up for Clark’s free daily newsletter!


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    04.01.21 Clark is a prankster & NFTs are nuts. / Clark re-enters retail stores and makes some discoveries. Apr 01, 2021

    Clark attempts to explain NFTs (with an assist from SNL) & blockchain and gives his take on this novel craze. Also, fully vaccinated, Clark’s back in stores and finds himself spending ...more OR less?

    Ask Clark topics include: ETF Guide / HSA - Health Savings Account / Amazon MTurk Review / Save on dental care /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.31.21 Pandemic effect: Forced early retirement is bad for business & the economy / Renting Storage - dynamic demand pricing & insurance. Mar 31, 2021

    One effect of the pandemic has been forced early retirement for many. Only 38% of the workforce is 55 and older. Why employers are working against their own self interest and that of the U.S. economy when they discriminate against older workers. Short term thinking makes for short lived companies. Companies that stand the test of time treat workers well. / A first for Clark - renting storage. What you can learn from his process.

    Ask Clark topics include: Refinancing a car loan / Appliance purchases / Unemployment insurance fraud / The Airline & Hotel Pandemic Vouchers that May Prove Worthless-WSJ - Be flexible /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.30.21 Saving for retirement - The case for automatic enrollment and target retirement funds / Who tried to scam Clark? Mar 30, 2021

    The beauty of automatic enrollment into retirement plans for employees, and why Clark loves target retirement funds. / How Clark got scammed! - Almost. Yet another reason to check your statements.

    Ask Clark topics include: 529 Plans / Submit a complaint | Consumer Financial Protection Bureau / Toddler Saved By Anti-Choking Device / Home insurance unjust denial - File complaint with your state insurance department. / Car rental prices escalate -Turo - Getaround. /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.29.21 Hospital price disclosure is the law - NOT happening / Pay app fraud escalates. Your prevention strategy. Mar 29, 2021

    Hospital systems have conspired to prevent prodcedure & surgery price comparison. Clark explains how they skirt the law, and why hospitals remain the biggest problem with the cost of healthcare. / Fraud hacks into Venmo, CashApp and Zelle have become a massive problem, with no customer service. Clark explains a way to keep your primary account from being drained by crooks.

    Ask Clark topics include: Custodial Roth IRA / Authorized credit card user - Petal Card / Best and Worst Home Insurance Companies / Amex Send & Split with Venmo & PayPal: Send Money and Split Purchases / Car Rental Ireland / Betterment / Military & Veterans Guide /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.26.21 Clark answers his critics on Clark Stinks / Clark's 2 cents on killing off the penny. Mar 26, 2021

    Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / It would be pennywise to retire the penny. Clark counts the ways.

    Clark Stinks & Ask Clark Topics include: T-Mobile needs a reset / Tire Rack / Your Guide to DIY Home Security Systems / National Guard and Reserve Benefits / How to Find a Good Moving Company /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.25.21 Employment: Upcoming job rotation brings opportunity plus, hybrid working / Defrauded students can reapply for loan forgiveness. Mar 25, 2021

    JOBS: Microsoft Survey Says - Over 40% of workers want to quit their jobs. This creates job rotation moving forward, and new opportunity. Also, the pros & cons of remote working as the hybrid return to work evolves. / Student loan mills feeding for-profit schools left a trail of disaster for borrowers cheated out of an education. Now these borrowers can reapply for student loan forgiveness. Check out affordable training opportunities including Google Certificates.

    Ask Clark topics include: How to open a Roth IRA / Monthly recurring charges - file a BBB complaint / AARP College Grants - Scholarships for Senior Citizens / How to Get a Power of Attorney From a Jail Inmate / IRS-Get An Identity Protection PIN /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.24.21 Clark updates the pandemic economy as vaccinations take hold plus - travel news Mar 24, 2021

    Clark discusses proceeding with caution after vaccination, herd immunity and economic recovery. Step by step the economy will gain strength as people get out and about more. Expect stronger economic activity as we move through 21. / Today, Royal Caribbean is taking reservations for a June cruise out of the Bahamas with no U.S. stops. It's a start for cruise travelers. But beware "phantom booking" with cruise lines - a Clark warning. Bookings are up overall in the U.S. as people prepare for summer travel. Look at travel in and near the U.S. as quarantine requirements continue.

    Ask Clark topics include: HSA Accounts / Index Funds / Credit Freeze / Travel Safety / Home equity loans and HELOCs / Credit Cards / Home Owner's Title Insurance /


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.23.21 How and why the gas tax will change / New furniture shortages call for a Clark smart strategy. Mar 23, 2021

    With the rise of hybrids and electric vehicles, the gas tax for road maintenance has got to change. Some states are already going about mileage taxation. Clark explains what's around the bend. / An industry disrupted brings sticker shock to new furniture showrooms. Clark has a better way to feather your nest...

    Ask Clark topics include: Save on car insurance / Pay per mile car insurance rates / DOT.gov Consumer Complaint / 3-D Printed Homes / How to buy a used car


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.22.21 Gas prices escalate - what's ahead / A purchase & donation warning from Clark’s Consumer Action Center + New banking options Mar 22, 2021

    Clark discusses the supply & demand factors affecting the price of gas and what to expect at the pump. / A purchase and donation warning from the head of Team Clark’s Consumer Action Center - Another good reason to check your bank & credit card statements monthly. / The banking sector seems culturally incapable of becoming a customer focused industry. Meet the outsiders making a difference.

    Ask Clark topics include: Social Security problem: file a complaint through your Office of Constituent Services. / Remote worker non-resident tax issues - Hire a CPA or Enrolled Agent. / How to open a Roth IRA - Target Retirement Funds / Roth vs. traditional 401(k)


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.19.21 Clark answers his critics on Clark Stinks / Free credit reports extended- the Clark Smart way to monitor your credit Mar 19, 2021

    Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks /

    Deadline Extended: Check Your Credit Report Every Week for Free - Clark Howard

    Clark Stinks & Ask Clark topics include: Cell phone insurance, Airbnb Superhost, Kids & Money -Clark's daddy match, Taxes on individual stocks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.18.21 If you were laid off, you may qualify for free COBRA insurance / News about companies you likely use spying on you. Mar 18, 2021

    Clark explains who qualifies for the new 6 month COBRA healthcare subsidy and how it works. Also, with so much focus on privacy violations, how Google has become proactive when it comes to tracking you for targeted ads. And you may want to shut down permissions for cell phone carriers engaging in extreme spying. Clark argues for opting in, versus having to opt out.

    How To Opt Out of T-Mobile’s New Ad-Targeting Policy - Clark Howard

    Ask Clark topics include: Domain registration 5 & 10 year deals, Free trip to the Bahamas- a rip off since the 1980's, Spotting warehouse club clearance items, WhatsApp privacy changes, Index funds.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.17.21 The pandemic 1 year later & Covid passports / Electric vehicles are transforming the auto industry Mar 17, 2021

    The pandemic 1 year in - Clark discusses the impact of vaccines on recovery and the emerging Covid passport. / Buying vehicles is in transition as electric vehicles gain range and become more affordable. Direct online versus dealer purchases are in play. Why it's riskly buying a new gas engine vehicle now. Ask clark questions include: Vaccination and Covid test form privacy concerns - Credit Freeze, Travel Insurance, Bitcoin IRA or Savings not recommnended, Zillow zestimates.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.16.21 Fake Amazon reviews are a plague - reading past the con. / Auto price sticker shock -2 sectors where deals can be found. Mar 16, 2021

    Clark reveals what's led to bulk purchase of fake reviews on Amazon & how to read between the star ratings. / Almost 30% of new vehicles for sale now cost over $50K! That’s why most people buy used. 2 areas of the used sector have your best bet on price.

    Ask Clark topics include:Target Date Funds, Peacock Streaming Service Review, Robinhood-SEC Investor Complaint Form, Clark Howard's Special Rule for Refinancing Your Mortgage,


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.15.21 What We Don't Know Can Harm Us: Credit report errors skyrocket. An assignment / Fraudsters morph phishing tactics & migrate their targets. Clark's key rule is your best defense. Mar 15, 2021

    More than half of all consumer complaints filed with the CFPB concern credit report errors, likely related to the bureaus' waiver from CARES Act compliance. Don't wait until this affects your financial life - A Clark smart vigilance assignment - and it's easy. / Pretext phone calls, emails & texts keep coming, ever more sophisticated. Clark's strategy helps keep you 1 step ahead of criminals.

    Ask Clark topics include: The merchant lied -Clark didn't buy the warranty: Clark's endorsement policy, If you can't pay your credit card bill, The Best Credit Cards for Small Business Owners, Why Entrepreneurs Should Avoid Business Credit Cards, MLMs.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.12.21 Clark answers his critics on Clark Stinks / Auto insurer trick drives up rates - Clark smart ways to keep premiums down. Mar 12, 2021

    Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / 2021 policy renewals are using 2019 mileage to set premiums. Clark explains how to handle this and how to save on car insurance overall.

    Clark Stinks topics include: Long Term Care Insurance, 6 Things To Know Before You Sign Up for Visible, If you use multiple pharmacies, make sure they each have a list of your meds, JOB CORPS, Spousal Roth IRA, Citi Costco Card benefits still include car rental coverage. Ask Clark topics include: Getting out of debt, Home Warranties, HVAC Freon.

    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.11.21 Key advice for home buyers / When should you buy a cell phone service plan? Mar 11, 2021

    63% of 2020 homebuyers made an offer on a house - sight unseen. Why a virtual tour is not enough.

    Half of all cell phone users have never lost or broken a phone, so do you need a service plan? 3 Clark smart ways to protect your phone

    Question topics include: Additional fees on a used vehicle purchase / Beginner investing / Home refi decision making


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.10.21 Great new construction methods save builders and buyers big money / Make it stop! Ways to reduce spam calls Mar 10, 2021

    Innovative building methods, including 3D printing, are more efficient, cut construction costs and produce highly energy efficient housing. / Sick of spam calls? Clark has some strategies to help eliminate them. Ask Clark topics include: Life Insurance and How to Buy a Used Car in 7 Steps - Clark Howard.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.09.21 Economic recovery spending warning includes buy now, pay later hazard / Word to post-pandemic entrepreneurs. Mar 09, 2021

    Debt looms over intact or improved finances during recovery. Hold any gains and beware the buy now, pay later option on small purchases. 3/4 of users dropped their credit scores. / Picking up the Pieces: Rare opportunity exists to open businesses with less cost and less risk, especially in the restaurant industry.

    Ask Clark topics include: Car rental insurance, Internet based business phone systems - Ooma & 8x8, Trip Adviser for vacation planning, Do Not Give Your Social Security Number at These Places, Wyze Cam smart security camera for $20 - Clark Deals - Your Guide to DIY Home Security Systems - Clark Howard.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.08.21 Walmart+ tweaks to compete with Amazon Prime. A Clark smart comparison / How Zillow now brings more certainty to home selling. Mar 08, 2021

    If you're convenience and price oriented, Walmart+ shines and is worth checking out. / iBuyers have brought convenience to home selling. Now Zillow brings more certainty to the process. Clark offers a smart approach to selling your home today. Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide, How to Get a Mortgage in 8 Steps, Hiring a Fee-Only Financial Planner, What is a Fiduciary Financial Advisor?, ProtonMail is free, encrypted email, WhatsApp's new terms are an invasion of privacy. Alternatives include Signal.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.05.21 Clark answers his critics on Clark Stinks / Why being a renter may be the smart move now into 2022. Mar 05, 2021

    Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks. / There are major disruptions in the housing and rental markets now. Several factors figure into the current housing crunch. Clark explains what to consider when making the decision to rent or to buy this and next year. Ask Clark topics include: Borrowing from your 401k, Marijuana stocks, Pet Insurance.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.04.21 Money myths can cost you / Extended warranties - Are the ever worth it? Mar 04, 2021

    Just under half of people surveyed believe it's best to leave a balance on a credit card - and other money myths that don't serve you well. / Extended warranties on vehicles - when, where and IF you should ever buy one.

    Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One?, 529 Plans.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.03.21 The 'fast furniture' trend and your wallet. / Flood Insurance changes are on the way. Vital info for homeowners and buyers. Mar 03, 2021

    Urbanization and climate changes are increasing flood risks. Premium adjustments are coming from the National Flood Insurance Program as the Feds realign risk levels. It's vital for homeowners and potential buyers to know the risk level of any property. FloodFactor.com - FloodSmart.gov. // Mobile young adults are renting furniture these days - convenient but is this cost effective? Clark tells you how to get the most from your furniture dollars.

    Ask Clark topics include: W-4 withholding confusion, Community Property, Buying individual stock picks vs. index funds,



    Want more money advice? Sign up for Clark’s free daily newsletter!


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.02.21 Streaming: The Paramount+ launch deal and DirecTV status / Unemployment expands eligibility- Who is included and application advice. Mar 02, 2021

    Paramount+ launches this week. Check out the lineup and see if the promotion for early subscribers is right for you. Also, why you may see DirecTV prices go higher. / Unemployment Insurance has expanded eligibility by executive order. Depending on state, delays continue. Clark has application advice to facilitate the process.

    Ask Clark topics include: Home Internet, Best Online Banks, How much cash should you keep at home.



    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    03.01.21 Timing is Everything: An Important deadline for small business owners / Booking your next travel adventure. Mar 01, 2021

    PPP - This time is different. For the next 9 days, businesses with less than 20 employees can apply exclusively. Non-banks, meaning credit unions and fintechs, play fair. This money IS available with loan forgiveness if eligible. / Clark advises on when & how to book air travel for later this year into early 22 - before prices go "sky high" with increased demand. And, should you should consider cruises?

    Ask Clark topics include: Resource for entrepreneurs - SCORE.org, T-Mobile Money is awesome, The Southwest Companion Pass.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.26.21 Clark answers his critics on Clark Stinks / A trend in the supermarket industry that can save you up to 50%  Feb 26, 2021

    Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks. /

    Transformation in the supermarket industry is creating major savings opportunity for you. Clark points to your lower cost options.

    Ask Clark topics include: Should I Stop Paying My Student Loans Right Now? - Clark Howard /

    ABLE accounts: A tax-free way for parents of disabled kids to save for the future-Clark Howard


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.25.21 Privacy Protection: WhatsApp alternatives / The Kroger data breach part of something deep - your assignment Feb 25, 2021

    Facebook owned WhatsApp is changing terms of service allowing them to invade privacy. Clark's warning and alternatives. Also, the Kroger data breach is part of an overall massive breach affecting many companies. Resist breach fatigue and freeze your credit if you haven't yet.

    Ask Clark topics include: Bill reduction services, Robocalls, Credit cards ditching car rental coverage.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.24.21 The Power of the Pivot-Knowing where your transferable skills are needed. Also, your options when your employer doesn't offer a 401K match or any retirement account. Feb 24, 2021

    The Power of the Pivot: Job demand is up in some areas. Clark offers guidance on finding active job categories and transferring your skill set outside the box. Some who have pivoted have increased their incomes. Also, when your employer offers no retirement plan or match, Clark gets you started on handling your own future financial security. -How to Open a Roth IRA - Clark Howard. / Ask Clark topics include: Trekz earbuds, employer 401K security freeze, The dangers of Zelle.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.23.21 A new way to invest that doesn’t involve buying stocks hyped on Reddit. Also, a new charge is appearing on bills of all kinds. What to watch for. Feb 23, 2021

    Clark recommends long-term investing and welcomes Marcus Invest from Goldman Sachs for small investors, akin to Wealthfront & Betterment. Also, PPE cost money and the charges are being passed on to you. Be aware when paying extra. Ask Clark topics include: Timeshares and Credit Cards.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.22.21 Car buyer update for new and used vehiciles / A stand out cell phone plan Feb 22, 2021

    How Ford's new Blue Advantage car buying program stacks up to CarMax & Carvana and why now isn't the time to buy a new vehicle. / Verizon's discounter Visible has an improved plan that could save you major money. 6 Things to Know Before You Sign Up for Visible - Clark Howard

    Question topics include: Canadian savings accounts, 10 Ways to Save on Prescription Drugs - Clark Howard, the Bumped app has changed, Why You Should Never Sign Up for Overdraft Protection - Clark Howard.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.19.21 Clark answers his critics on Clark Stinks / Jobs that pay a great starting salary for college grads Feb 19, 2021

    Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks.

    A poll finds many teens and young adults believe a high school education is enough to earn a decent living. Generally, more education is needed for stable employment, via state technical schools and/or colleges. Clark lists the best paying jobs out of college and explains you don't have to go into massive student loan debt to earn a college degree.

    Question topics include: Amazon reviews / Finding a reputable home appraiser / Credit card application denial - Credit reports


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.18.21 Renters' Rights and the Mortgage Forebearance extension / Auto theft and breakins-Prevention Feb 18, 2021

    Rule changes for renters and home buyers have occurred. Renters facing eviction have rights, but must verify economic hardship and follow procedure. Clark explains what forebearance now exists for FHA, Fannie Mae or Freddie Mac mortgage holders and payment strategies.

    Crimes stats are up. Extra measures you can take to help prevent car theft and break-ins

    Ask Clark topics include the virtual mailbox in the absence of a physical home address, how to protect the Schwab debit card

    Links mentioned: CDC form to avoid eviction for apartment renters / Hello Landlord – by SixFifty / Federal Register Notice: Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 | CDC.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.17.21 Stock trading tax issues + index funds / Employment prospects as the economy recovers Feb 17, 2021

    If you must do high-frequency stock trades, Clark gives you the tax-smart way to proceed and explains the beauty of index funds. / Surprising news and Clark smart direction on the job front.

    Clark answers your questions: Youth banking accounts / How to spot a car wrap scam / WYZE home security


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.16.21 Vaccine scams are proliferating- can you spot them? / A new way to save on high cost generic drugs Feb 16, 2021

    The Mark Cuban Cost Plus Drug Company offers more affordable versions of expensive generic drugs / Vaccine fraudsters are after your money and personal information. Clark explains the red flags to look out for.

    Clark answers your questions: Sports programming on streaming channels - check T-Mobile Tuesdays for free MLB. / Kill A Watt electricity usage monitors / Able Accounts / HSA Accounts


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.15.21 State & local revenues not terrible / Ponzi fraud is booming Feb 15, 2021

    Clark explains how state and local revenues are faring so far in the pandemic. Ponzi schemes are alive and well. Know how the game is played, so you don't get played.

    The Ponzi Scheme Blog. Clark fields questions on 3 to 5G security system monitoring / How tax credits on electric vehicles work.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.12.21 Clark Stinks; Payment apps like Venmo and Cash App need to serve customers better! Feb 12, 2021

    Christa shares the Clark Stinks posted on the web and shares with Clark. Submit yours at Clark.com/ClarkStinks.


    The CFPB has launched a probe into Venmo's debt collection practices. Clark tells you what you need to know about using these payment apps so you don't lose money.


    Question topics include: cable company problems and where to get a nice mattress for a reasonable price.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.11.21 People are being taxed for fraudulent unemployment benefits; Foreclosure moratorium extended Feb 11, 2021

    The Consumer Action Center is being inundated with calls from listeners getting a 1099G form indicating that they are being taxed on unemployment benefits even though they never signed up for unemployment! Clark tells you how to handle it if you get one of these forms in your mailbox.


    President Biden just extended the moratorium on foreclosures. Clark discusses what you should do if you need as a homeowner or a tenant.


    Question topics: buying plane tickets now, tax on stock market earnings, contributing to a target-date retirement fund.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.10.21 The high cost of chasing tech; Life insurance for younger adults in the age of Covid Feb 10, 2021

    How much it would cost if you bought all Samsung or Apple have to offer?

    Life insurance gains relevance for those under 40. Clark discusses the best kind of life insurance and how to buy it

    Question topics: Pretext scam calls claiming to be from Amazon / Paying off a mortgage early / A lawyer as executor / First credit cards / Credit versus debit cards for online purchases.

    Mentioned Links: How to Buy Term Life Insurance in 7 Easy Steps


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.09.21 Harmful, false posts about people online; The cheapest home security system Feb 09, 2021

    Google yourself to see what is out there about you. Revenge posting can be harmful to job seekers and to relationships. Clark discusses ways to minimize the damage.

    How self-install security systems have evolved - Wyze introduces the cheapest security system and monitoring.

    Clark question topics include: When to rent before buying a home and when to accept a collections resolution offer


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.08.21 Who Are the REAL bargain retailers; Protect yourself from proliferating phone scams Feb 08, 2021

    To stretch your dollar further, it's important to shop in the right places. Bargain retailers: Online versus in-store when you're trying to Save More.

    1 in 5 people have lost money to a phone scam in the past 12 months. Clark talks about how to protect yourself and your loved ones.

    Clark question topics include: Free state tax filing, printers and ink cartridges, ditching an annual fee credit card, & internet while traveling.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.05.21 Clark Stinks; February deals and the best Presidents' Day bargains Feb 05, 2021

    Christa shares the Clark Stinks posted on the web and shares with Clark. Submit yours at Clark.com/ClarkStinks.

    Many Presidents' Day deals are being touted. How to know what's a real deal and what's not in the month of February.

    Clark explains how to save on prescription medication


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    02.04.21 Future of the stock market; Chase credit card terms; Clark's Amazon saga update Feb 04, 2021

    Clark's latest take on the GameStop and other market mania and what it means about the future of the stock market. Clark fields questions about Chase's new credit card policy, social RobinHood and security numbers, buying a new car, buying a car on eBay, charitable donations.

    Links mentioned in this episode:

    Clark.com article on Stock Trading and Investment Apps: https://clark.com/personal-finance-credit/investing-retirement/best-investment-apps/

    Clark.com Credit Freeze Guide: https://clark.com/credit/credit-freeze-and-thaw-guide/


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.3.21 Do you need an 8k TV!?; Here's what you should do if you've fared well through this pandemic Feb 03, 2021

    In recent years we've been buying 4k tv's even though there isn't much content delivered in 4k! But the tv manufacturers are now starting to sell us on 8k televisions. Don't buy the hype. Now you can get 4k programming over the air with an antenna for free!


    The pandemic has made the wealth inequality in our country worse than ever. If you've fared well during the pandemic, think about how you can care for others who haven't.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.2.21 How vaccines will affect employment and travel; Paramount+ prelaunch discount Feb 02, 2021

    Being vaccinated will be a green light for both employment and travel moving forward. Employers seek to reduce liability risk. Vaccination comes with digital verification and will be required for travel.


    With more and more streaming products hitting the market, how do you decide which ones to sign up for? Sometimes prepaying will get you a better deal. That's the case with the new Paramount+ prelaunch discount


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.1.21 Producer Joel announces his departure; The pandemic has changed the way you should think about auto insurance. Feb 01, 2021

    Producer Joel is moving on to pursue his own podcast called How To Money full time. He and Clark discuss Joel's venture and the current real estate market for potential landlords.


    The pandemic has reduced how much we drive and Clark recommends rethinking auto insurance to include companies that charge by the mile (Metromile) and/or track driver distance and performance. The trade-off of privacy for more accurate pricing can reduce costs for you and improve industry pricing practices overall.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.29.21 Clark Stinks; How people are handling stimulus funds Jan 29, 2021

    Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.


    New stats reveal how Americans are spending stimulus funds. For many, the money is vital to survival. For others, it's been used to pay down debt and increase savings, which in turn will contribute to economic recovery gradually, starting mid-year.



    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.28.21 Where Americans are moving right now; Retailer closings mean you need to use your gift cards now Jan 28, 2021

    A new report from Uhaul shows which states Americans are moving to and which states people are leaving. The top 3 states don't have a state income tax! But it turns out that one of the largest reasons that people are moving is to find cheaper housing. And if you are moving, Clark tells you what to watch out for when hiring a moving company.


    Godiva announced that it will be closing all of its US and Canadian locations. Don't worry, you can still buy your Godiva chocolates elsewhere. But there's a lesson in this for consumers - use your gift cards ASAP. Retailers and restaurants are feeling the pain right now, so make sure to locate and use any gift cards in your possession soon so that you aren't left with worthless plastic.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.27.21 Gamestop & the stock market; How to sign up for healthcare if you lost your job Jan 27, 2021

    Despite store closings, Gamestop stock has climbed rapidly as young investors bid up the value. Clark believes this is a bubble that could burst and hurt you if you're investing in a speculative way.


    The Biden administration is set to reopen the healthcare exchange so that those uninsured by job loss have viable healthcare options. Clark explains purchasing a compliant policy at Healthcare.gov versus buying a non-compliant policy that offers inferior coverage.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.26.21 Higher mortgage rates are coming; Medical tourism is rebounding in a big way Jan 26, 2021

    Mortgage rates are likely to rise in the coming months. Clark thinks that we'll see rates rise modestly in 2021. So if you're looking to refinance, do it sooner rather than later!


    Americans are getting back on board with medical tourism even though we're still in the middle of the Covid pandemic. If you are willing to travel, you can save big money by getting medical or dental work in another country.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.25.21 Buy a used car with a 30-day return policy; Food delivery app fees are absurd and they hurt restaurants Jan 25, 2021

    Carmax has a generous new return policy. You have 30 days now to drive that used car before you are stuck with it for good. Carmax and Carvana are reaping the rewards of being more consumer-friendly.


    Food delivery apps can cost you an additional 40%. Clark says that you should opt to order directly from your favorite restaurants and choose to pick your food up instead of using the major apps. This saves you money and keeps more of that cash in the restaurant's hands as well.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.22.21 Clark Stinks; How to avoid losing your FSA funds Jan 22, 2021

    Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.


    Clark talks about the new rules about how to avoid losing unused money that you've set aside in your FSA.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.21.21 Free tax filing is open on the IRS website now; Getting paid to get vaccinated Jan 21, 2021

    IRS free file is the place to go for most people who have an AGI of less than $72k. And you can file your 2020 tax return today if you want - although the IRS won't start processing returns until mid-February.


    Clark just got his first round of vaccine. Some employers are paying employees to get vaccinated. What started with Dollar General has now expanded to other employers who are offering different amounts of money if their employees will get in line to get theirs.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.20.21 Annuity options will soon be available in your 401k; As streaming prices rise, how you can pay less Jan 20, 2021

    Clark is not a fan of annuities. But they are going to be available in many 401k's this year. Clark tells you what you should do when you see them as an option in your workplace retirement account.


    Streaming prices have skyrocketed in recent years! Clark talks about recent changes in the streaming space and how you can find stuff to watch without breaking the bank.


    Ask Clark topics include budgeting advice for a college sophomore, are the payment apps like Cash App secure, work from home tax breaks, and amending a tax return.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.19.21 High shipping costs lead to generous return policies; Buy now & pay later grows in popularity Jan 19, 2021

    Bigger retailers like Amazon and Walmart are letting customers keep less expensive items they are returning a whole lot more these days. That's because the cost of shipping has become prohibitive.


    The Australian trend of buying something and paying for it in installments is now happening regularly on US websites. Most of these companies don't even charge you interest. Clark says that these installment loans are a reasonable option if it doesn't cause you to buy more than you should.


    Ask Clark topics include alternatives to overdraft protection, home title lock, renting a home out on Airbnb, and moving into a camper to pay off debt!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.18.21 How to file your taxes for FREE; The best online banks you should consider having an account with Jan 18, 2021

    Clark discusses how most people can file their taxes without paying a dime. He also talks about how eligible Americans can get the earned income tax credit.


    Simple bank was an excellent online bank. But it's going away. So Clark talks about which online banks are worth considering if you're looking to move your money.


    Ask Clark topics include issues with a home solar system, which rewards credit card is best, how to cut down on your home energy use, and whether it makes sense to add your child to your credit card as an authorized user or not.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.15.21 Why some borrowers are missing out on student loan forgiveness; Clark Stinks Jan 15, 2021

    Some borrowers aren't getting their student loans forgiven by the federal government because of confusing requirements. That is not ok. Clark talks about what the government should do to improve the process for borrowers and help them get their loans forgiven in a straightforward way.


    Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.


    Ask Clark topics include will all student loans be forgiven, why Clark recommends waiting to tap 529 plans until later in your college career and is it wise to invest money that you are saving to purchase a home.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.14.21 The jobs recovery has stalled out; Clark's take on Bitcoin's volatile ride Jan 14, 2021

    The newest jobs report was not looking very good as unemployment levels rose in December. Clark talks about how to navigate employment in the current economy. Also, the folks at Clark.com have updated the work from home guide which can help you find solid employers offering remote employment.


    Clark is not a fan of Bitcoin. And the recent volatility in the cryptocurrency arena hasn't changed his mind. Listen to this before you put any of your money into cryptocurrencies.


    Ask Clark topics include getting life insurance as a single parent, companies forcing you to choose auto bill pay, saving up for a new car, and what to consider when building a new home.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.13.21 How to get fewer annoying robocalls + The appliance shortage is still raging Jan 13, 2021

    Robocalls are the worst! And it feels like we're getting bombarded with them more frequently now. Clark talks about how to curb those annoying calls to bring more zen back into your day.


    Many appliances still remain in short supply because of factory shutdowns due to Covid. That means that if you are in search of an appliance it'll be harder to find a deal on the one you want. But Clark has some tips to help you out!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.12.21 The FAFSA gets simplified + Parental guilt causes financial insecurity by taking out PLUS loans Jan 12, 2021

    There will be some major changes to the FAFSA for the upcoming school year and parents are going to be thankful for them. Clark talks about the elimination of the expected family contribution and what that means when you are applying for financial aid for your child.


    Parents are taking on way too much debt for their kid's higher education! PLUS loans are sabotaging their retirement. Clark discusses what you should do instead of taking out those toxic loans.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.11.21 Saving big on monthly expenses in 2021 + The high cost of food delivery Jan 11, 2021

    Clark believes that if you take some important steps to cut subscriptions & shop around for cheaper alternatives that you can save at least $1,000 this year. For more info on which bills you need to look into and how to save the big bucks, be sure to check out this episode.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.8.21 What's happening with minimum wage increases + Clark Stinks Jan 08, 2021

    New minimum wage laws are going into effect across the country. Clark talks about where the increases are happening and what affect they will have in addition to how his views have changed on the topic over the years.


    Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.7.21 Why you need to avoid spending too much on transportation in your budget Jan 07, 2021

    New car prices have shot through the roof in recent years! Clark talks about how to trim your transportation budget so that you can find more financial margin in your life.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.6.21 Where to go if you haven't received your stimulus money + How increased unemployment compensation is going to work Jan 06, 2021

    There's a new spot on the IRS website where you can check the status of your stimulus payment if you haven't received it yet. Clark also talks about how the $300 federal supplement for unemployment insurance will work and how long you'll be receiving it.


    Also, car theft is on the rise! Clark tells you how to protect yourself and your vehicle.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.5.21 How to save more on what you pay for housing + Clark answers your questions about refinancing and getting a mortgage Jan 05, 2021

    Housing is typically the biggest line item in a person's budget. Finding ways to cut costs there will have an enormous impact! Clark gives you his best ideas.


    Clark also takes your questions about housing on this episode. You can submit a question for the show at Clark.com/ask.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.4.21 How to actually achieve your money goals this year + Clark talks about his history Jan 04, 2021

    A lot of people are setting New Year's resolutions for themselves. And many of you want to handle your money better in 2021. But that's only possible if you tackle those goals the right way. Clark talks about how to actually get better with your money this year instead of just hoping that you will.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    1.1.21 What to do with leftover FSA funds; How your personality affects your savings habit Jan 01, 2021

    Haven't spent all your FSA dollars? Clark talks about what over the counter items you can purchase in order to use that money up.


    The purpose of saving for your future is to give you more control and freedom over your future. Research suggests that people who prepare and have a plan are the ones that end up in the best position in retirement.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.31.20 Best used cars under $5k; How to get cheaper hearing aids Dec 31, 2020

    Consumer Reports has just released its list of the best used cars under $5k. Clark talks about which cars you should be leaning towards when looking for an inexpensive use vehicle.


    There should be a great availability of over the counter hearing aids. But sadly, options are currently limited. Clark talks about how to get the most bang for your buck when purchasing hearing aids in the future.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.30.20 Dollar stores are getting fancy; Even small amounts of exercise can make a big difference Dec 30, 2020

    There are some newer and fancier dollar stores that Clark wants to make sure you know about.


    Exercise doesn't have to take an hour or longer every day. A new study finds that just 11 minutes of exercise daily can have a huge impact in your life!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.29.20 How to combat our recycling issues; HP ends "free ink for life" plan Dec 29, 2020

    Recycling isn't working out very well right now. There have been some proposals floated that could make recycling more viable though.


    HP will no longer honor its "free ink for life" plan. Subscribers are already being vocal with their criticism.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.28.20 Most reliable used cars; Why you shouldn't buy gift cards right now Dec 28, 2020

    There's a new list of the most reliable used cars. Clark talks about which makes and models make the most sense for your wallet.


    Gift cards are often a bad purchase. Just give cash instead! But gift cards are even worse buy right now and Clark tells you why.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.25.20 Parents are clueless about tobacco and e-cig usage; Americans are worried about government tracking Dec 25, 2020

    Parents tend to not know when their kids are using tobacco and e-cigarettes. That's not good!


    Is the government tracking your location? There's evidence that they may be and that is understandably worrisome to many Americans.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.24.20 Shopping online vs. shopping in stores; Moving could drastically cut your income Dec 24, 2020

    Clark discusses the benefits of each. Curbside pickup is actually the perfect in-between!


    Many companies are slashing salaries if you move opt to move elsewhere. Clark tells you what to watch out for.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.23.20 Comcast imposes data caps; Spying on your kid while they are driving Dec 23, 2020

    Clark is not a fan of the new Comcast data caps. He discusses the price you might find yourself paying to the internet giant if you use too much data in your home.


    Many automakers now offer built-in technology to monitor how your child is driving.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.22.20 How to tell if clothing was made for a factory outlet; Tough times create better savers Dec 22, 2020

    Some items are made specifically for factory outlet stores. And often those items are of inferior quality. Clark gives you the scoop on how to tell whether the item was made specifically for the factory outlet store or not.


    Tough times impact us in massive ways. And we've seen a generation of savers formed because of the difficulties that Covid has caused.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.21.20 Apartment renting in the virtual world; Which banks rank the highest in customer satisfaction? Dec 21, 2020

    Renting an apartment has changed because of Covid. Clark talks about how to rent an apartment - and score a good deal - in the world of virtual visiting a future place to live.


    The newest ACSI reveals which banks are doing a great job meeting customer needs and which ones aren't.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.18.20 Transitioning to clean energy and EV's; Clark Stinks Dec 18, 2020

    Clark talks about the transition to clean energy in the United States. It's been difficult on the oil industry and likely will become even more difficult in the coming years as sustainable energy like wind and solar are getting cheaper and cheaper.


    Christa and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours at Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.17.20 Making more as a gig worker; Ditching high-cost mutual funds Dec 17, 2020

    Clark talks about which delivery services pay gig workers the best and how gig workers can maximize their income by downloading the Gridwise app.


    Consumers are leaving high-cost mutual funds in favor of funds with lower fees. If you haven't checked to see what the fee structure is like in your investment portfolio, now is the time to check!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.16.20 Disney+ raising prices; Rent a timeshare to save on your next vacation Dec 16, 2020

    Disney+ is looking to add more content while simultaneously raising prices. If you're a Disney+ subscriber you'll be paying $1 more every month starting in March 2021.


    Don't ever buy a timeshare. Rent one instead! Koala is a website where you can rent someone else's timeshare.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.15.20 Last minute Christmas deals; How a massive federal data breach impacts you Dec 15, 2020

    Clark talks about some of the best sales happening 10 days ahead of Christmas. He also talks about issues with shipping and getting what you order before Christmas.


    Homeland security issued a warning to federal agencies about using certain software that has been hacked. Clark talks about the importance of having cash on hand in case of a hack that affects the US financial system.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.14.20 Healthcare signup deadline; Vaccine scam warning Dec 14, 2020

    If you need healthcare in 2021, the deadline to sign up at Healthcare.gov is Tuesday. Clark discusses how to assess the plans on the government's website and find the right plan for you and your family.


    Vaccine scams are proliferating as the FDA has approved the use of Pfizer's vaccine. Here's what you need to watch out for.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.11.20 Store credit cards are awful - avoid them; Clark Stinks Dec 11, 2020

    Store credit cards can be poison for your wallet. Clark tells you the downsides to carrying one and why it isn't a good idea to sign up for most store credit cards.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.10.20 Don't save for retirement in a savings account; GM opens an electric vehicle plant Dec 10, 2020

    Half of Americans are saving for retirement in a savings account instead of workplace or personal retirement plan. That's not good!


    GM is making a huge pivot to produce a massive number of electric vehicles in the future. And the massive car company just opened factory ZERO just outside of Detroit to help accelerate these plans.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.9.20 The IRS has 1 million unprocessed tax returns; Travel insurance may now cover Covid Dec 09, 2020

    The IRS has a major backlog of unprocessed tax returns. Many people who filed paper returns are still awaiting a refund.


    If you are planning to book travel soon, you might want to purchase travel insurance. Clark tells you how to shop and what to look for in a policy.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.8.20 Christmas shipping is getting messy; Covid is changing college in a big way Dec 08, 2020

    There's a shipping logjam and it doesn't bode well for getting the Christmas presents you've ordered at your doorstep on time.


    Colleges across the country are having to cut costs in a big way - including letting longtime professors go.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.7.20 Watch out for this Amazon Prime scam; Student loan payment freeze extended Dec 07, 2020

    Scammers are targeting Amazon Prime members specifically in a new scam that scare you into handing over sensitive personal information.


    There's a little more clarity for people who have federal student loans. Payments will now be delayed through January 2021.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.4.20 Tesla Model S no longer recommended by Consumer Reports; Clark Stinks Dec 04, 2020

    Consumer Reports has detailed some of the problems with the Tesla Model S.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.3.20 Does it pay to install solar?; Divvy rent to own homes is expanding Dec 03, 2020

    A recent article in Wired detailed a solar installation in California. Clark gives his thoughts on whether installing solar at your house makes sense and what a typical payback period can look like.


    Divvy is a company that has had some issues since it started doing rent to own a few years ago. But Clark thinks that it can make sense for you as an avenue to home ownership if you do your due diligence


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.2.20 Delta to block middle seats through March; State and local government layoffs coming Dec 02, 2020

    Clark's wife is going to fly on a Delta plane because of the dedication to keeping its customers safe. If you are willing to get on a plane, you might want to prioritize flying on an airline that is keeping health safety top of mind.


    State and local governments are having financial troubles. Clark talks about the difficulties that have arisen due to the pandemic and how these municipalities will be looking to cut costs.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    12.1.20 Vetting charities on Giving Tuesday; Vaccine news is causing Americans to spend Dec 01, 2020

    Clark talks about how to make your generosity go even further by giving to charities that are doing the most good.


    Vaccine progress has been good news on so many levels. And it's causing Americans to loosens the purse strings and spend more freely.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.30.20 Cyber Monday deals abound; Look out for these Holiday scams Nov 30, 2020

    Clark talks about the best deals that are happening today. In particular, the clothing sector is seeing some steep sales!


    There are more Holiday scams that you need to be aware of this year.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.27.20 Hulu raises the price of live TV streaming...again; Beware "Trumpcare" health options Nov 27, 2020

    Hulu is charging more for its live TV streaming service. The price hikes have been coming fast and furious. Clark discusses how you should think about your TV streaming options.


    Emails and ads abound right now touting different "Trumpcare" plans. But this is a marketing ploy that you should avoid because many of these offers aren't selling you real insurance.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.26.20 Chocolate & Peloton are hot commodities right now; Painless ways to save more right now Nov 26, 2020

    Chocolate and workout equipment are being consumed in a major way right now. And Peloton's stock has soared over the past six months.


    Looking for ways to cut your spending right now? Clark talks about the most painless ways to trim your budget in order to increase your savings.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.25.20 Clark's credit card number was stolen; Americans are saving a lot Nov 25, 2020

    Clark tells the story of his credit card number being stolen and how quickly things got resolved.


    Americans have been saving so much money recently. This is great news. And there's a lot of pent up spending demand that we're likely to see in 2021.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.24.20 Walmart and others tighten Covid policies; Digital license plates Nov 24, 2020

    Many major retailers are ramping up their Covid policies for shoppers as coronavirus cases spike across much of the country.


    High-tech digital license plates are the future. They've been in Arizona and California since 2019. But they will be coming to more states soon.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.23.20 Your TV is spying on you; How companies are combating worker burnout Nov 23, 2020

    Advertisers want the ability to target audiences better during streaming. But that comes with a privacy tradeoff.


    Companies are finding creative ways to keep their employees engaged and to prevent burnout during the pandemic.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.20.20 GM to offer car insurance based on driving habits; Clark Stinks Nov 20, 2020

    General Motors is set to offer insurance to customers that will provide lower rates based on safer driving.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.19.20 Apple announces changes to app store pricing; Black Friday deals abound Nov 19, 2020

    Apple will be reducing fees for smaller companies on its app store. But courts are still likely to weigh in on Apple's practice of taking a cut of sales from developers.


    Black Friday has been more of a lengthy season than a long weekend this year. But the best deals are just around the corner. Clark discusses how to make sure you score the discounts this time of year.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.18.20 Amazon launches an online pharmacy; The Boeing Max is returning to the skies Nov 18, 2020

    Clark gives the details on Amazon's new online pharmacy. Some of the pricing is still pretty opaque but the launch is already having a massive impact on the industry.


    The Boeing Max will fly again. The FAA has cleared its return to the skies. Clark talks about how safe it will be to fly on the Boeing Max now.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.17.20 Surprise bills for Covid tests; Google Photos ends lifetime free storage Nov 17, 2020

    People are receiving unexpected bills just for getting a Covid test. Clark tells you how to battle that bill.


    Google Photos has announced that they are limiting free photo storage for its users. Clark gives the details along with some thoughts on how to store your photos for cheap or free.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.16.20 Moderna vaccine buoys hopes; Picking the right health plan during open enrollment Nov 16, 2020

    Preliminary data from the Moderna trials show that it is more than 94% effective.


    Picking the right health plan during open enrollment is crucial. Picking the wrong one could cost you hundreds or even thousands of dollars in the upcoming year.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.13.20 Grocery stores limiting purchase quantities; Clark Stinks Nov 13, 2020

    Major grocery stores are starting to limit quantities on certain items in order to keep specific items in stock.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.12.20 Credit card companies are offering majorly high sign-up bonuses; Rents rising in the burbs Nov 12, 2020

    The major credit card companies like American Express and Chase are offering rich sign-up bonuses as they try to attract more customers right now.


    Covid has impacted where people want to live. More Americans are moving to the suburbs - and this is causing rents to go up.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.11.20 California voters turn down higher business taxes; Scammers target people running out of money Nov 11, 2020

    California is a notoriously high tax state. But that might be starting to change.


    Some new scams are floating around that specifically target people who have fallen on hard times - and many of these scams are stimulus check related.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.10.20 Veterans Day and the deals happening tomorrow; Clark's Christmas Kids Nov 10, 2020

    Clark talks about celebrating our veterans and also points to ClarkDeals.com for deals that will be available tomorrow.


    Clark's Christmas Kids is going to need YOUR help this year because of Covid. Go to ClarksChristmasKids.com to find out how you can help foster children in need this Holiday season.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.9.20 The impact a Covid vaccine will have on the economy; Holiday hotel deals Nov 09, 2020

    Promising vaccine news has caused the stock market to soar upwards. Clark talks about what an effective vaccine will mean for our country and for the economy.


    How can you get deals on a hotel during the Holidays? Clark gives you the info you need to know.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.6.20 The US is poised for a big economic recovery in 2021; Clark Stinks Nov 06, 2020

    It looks like 2021 will be a year of meaningful economic recovery for the USA.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.5.20 Stock market soars with divided election results; Important ballot measure results across America Nov 05, 2020

    Rates for savers and borrowers are going down while the stock market is reacting with optimism to the election results that we have in hand.


    Clark talks about the important ballot measures that passed in states across America.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.4.20 The appliance repair industry is booming; Credit card companies are soliciting new customers Nov 04, 2020

    As people are spending more time in their homes, they are starting to spend more to fix them up. That means that the appliance repair industry is seeing a boon in business.


    Credit card companies like Capital One and American Express are spending lots of money to score new customers - even as they cut the spending limits of other current customers.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.3.20 Cruise lines can sail again; Labor department bans ESG investing Nov 03, 2020

    Cruise ships are now allowed to sail again, but with strict rules to protect health.


    The Labor Department has issues new rules to prevent ESG investing. Clark talks about what this rule means and whether you should be investing in ESG funds or not.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    11.2.20 Debt collectors can now reach you through social media; HSA rules for 2021 Nov 02, 2020

    Debt collectors will now be allowed to contact you via social media. Clark tells you how to protect yourself in this new era of debt collector access.


    The HSA is still one of the greatest retirement tools around. But most people don't use it as a way to save and invest for the long-term. Clark discusses how you can use an HSA effectively if you have access to one.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.30.20 How to pick a contractor when renovating; Clark Stinks Oct 30, 2020

    People are spending meaningful amounts of money to renovate their homes now. Clark talks about how to proceed and what to look for when you're vetting contractors.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.29.20 Tax bracket changes; 30-40 million Americans facing eviction Oct 29, 2020

    Clark discusses the tax bracket changes for 2020 and how that impacts the way you handle your money.


    We're in a tough position in our country. Tens of millions of Americans face eviction because of Covid's impact. Clark talks about important ways to proceed with your landlord if you're having a tough time paying rent.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.28.20 Stock market selloff; T-Mobile's new streaming offering + Boost cuts cell plan price again Oct 28, 2020

    The stock market is having a tough day. Clark talks about how investors are seeing the increase in Covid cases - and how you should approach your investments right now.


    T-Mobile has a new streaming offering. It's not bad but there are better options out there. Clark also talks about the incredibly cheap Boost Mobile cell phone plans.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.27.20 How to handle student loans in 2021; Where you can travel now + middle seat restrictions Oct 27, 2020

    In the absence of political action, people with federal student loans will have to start paying on those loans again in January. Clark tells you what to do if you can't afford those loans though.


    Clark talks about where Americans are allowed to travel right now and what testing is required in order to visit those destinations. He also discusses what's going on with middle seats on the major airlines.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.26.20 What will happen to oil & gas?; Cable data caps burn people working from home Oct 26, 2020

    What will happen to oil and gas as renewables continue to get cheaper and more robust? Clark gives his thoughts.


    Americans working from home are running into data caps that limit their ability to get their work done. Or do anything on the internet!


    Want more money advice? Sign up for Clark’s free daily newsletter!


    Here's a link to the SBA form in order to get forgiveness for your PPP loan.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.23.20 Why you should use all your vacation days; Clark Stinks Oct 23, 2020

    As we get closer to the end of the year, make sure that you don't leave any vacation days on the table!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.22.20 What you need to know about open enrollment; How to sell your old cell phone Oct 22, 2020

    Open enrollment starts in early November. Clark tells you what you need to know before open enrollment begins.


    If you are buying a new cell phone and want top dollar for your old one, make sure you listen to this!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.21.20 Scam election emails; Fake reviews plague major websites Oct 21, 2020

    Scam emails are flooding inboxes as we draw nearer to the election. The FBI has issued a warning and Clark tells you what to watch out for.


    Amazon Prime day was a raging success for the company. Clark also talks about the incredible amount of fake reviews on websites of companies like Amazon, Walmart, and Target.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.20.20 Justice department sues Google; What's happening with the economy right now? Oct 20, 2020

    The major tech companies are in hot water in Washington D.C. right now. Clark talks about what's happening and why the lawsuit against Google is making waves.


    Covid has obviously had a major impact on the American economy. Clark discusses where things currently stand.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.19.20 The jobs in high demand; Boeing Max returning to the skies Oct 19, 2020

    Some jobs are actually in high demand right now. Clark discusses where the opportunities are.


    The Boeing Max will start making flights again in December.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.16.20 When the best Black Friday deals are coming; Clark Stinks Oct 16, 2020

    Walmart has just announced its Black Friday plans. Clark talks about where the best deals will be and how Black Friday will shake out this year.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.15.20 Small business optimism; Rents are rising in the suburbs Oct 15, 2020

    Small businesses are more optimistic. Some of this is thanks to the reality on the ground of increased foot traffic and higher sales. This is good new for the economic recovery.


    Rents are going up in the suburbs and rents are going down in cities.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.14.20 The airlines are losing massive amounts of money; Protecting your brokerage account Oct 14, 2020

    Delta Airlines just announced that they lost over $5 billion in Q3. The travel recovery could take a while and Clark discusses how the difficulty in the travel space affects you and your wallet.


    Is your brokerage account at risk? Clark talks about what you can do to keep your investing dollars safe.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.13.20 The election & your investments; Tax breaks for working from home Oct 13, 2020

    How should the upcoming election change your investments? Clark discusses that and the low rates that savers are currently enduring.


    Clark discusses the tax breaks you might qualify for if you've been working from home for most of 2020.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.12.20 Robinhood disastrous account hacking; New PPP loan forgiveness form Oct 12, 2020

    Investing app Robinhood has acknowledged that some of its customers may have been targeted by hackers.


    The SBA is making the forgiveness process for smaller PPP loans easier.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.9.20 The skinny on meal delivery kits; Clark Stinks Oct 09, 2020

    Clark has discussed grocery delivery and curbside pickups, but Consumer Reports has a new review of meal delivery kits that's worth sharing. While they can get expensive, it might be a better choice than takeout.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.8.20 Southwest wants pay cuts, not layoffs; Beware payroll advance apps Oct 08, 2020

    Southwest asks employees to accept pay cuts to avoid furloughs. The airlines and the travel industry as a whole are having a really hard time anticipating demand as consumers wait until the last minute to book airfare.


    Different apps now allow Americans access to their paychecks ahead of time. But these apps are a bad idea and can cause you to live not just paycheck to paycheck, but day to day.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.7.20 Why you should get the flu shot; When the Holiday deals are happening Oct 07, 2020

    Clark discusses the importance of getting a flu shot - especially given the fact that the pandemic is still wreaking havoc in our country.


    What is the timeline in order to get the best deals while you are doing your holiday shopping? Clark breaks down which dates will see the lowest prices on a range of items that might be on your list.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.6.20 New Verizon home internet option; The impact of Trump's Covid diagnosis Oct 06, 2020

    Verizon has a new offering that will help rural folks get decent internet speeds in their home. Clark also mentions a fantastic new unlimited cell phone plan from Metro by T-Mobile.


    The economic recovery is hitting a stall. Clark talks about that and how Trump's Covid diagnosis will affect the economy as a whole.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.5.20 Census bureau report about widening income gap; New credit card doesn't look at your credit score Oct 05, 2020

    Roughly 80% of Americans have less purchasing power now than they did a decade ago. This is not good news! Clark discusses the significance of what this new Census bureau report means.


    The X1 credit card looks at your income to decide whether or not you qualify, not your credit score. This is helpful for a lot of people seeking credit.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.2.20 PPP loan forgiveness gets underway; Clark Stinks Oct 02, 2020

    Small business owners that took out PPP loans have been worried about how forgiveness for those loans will work. The Treasury department finally announced that they will begin processing those forgiveness applications starting either this week or next.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    10.1.20 Teachers are underpaid; Fake debt collectors Oct 01, 2020

    A new report finds that teachers are paid less than non-teacher, college-educated workers. That's a problem.


    Fake debt collectors are on the rise. Clark tells you what to watch out for.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.30.20 Massive layoffs at Disney and the airlines; Where to turn for health insurance after job loss Sep 30, 2020

    The airlines are set to lay off tens of thousands of employees as government bailout funds run dry and the travel industry remains disrupted. Disney has also announced that it is laying off 28,00 of its employees.


    Clark talks about the healthcare options that Americans have if they do lose their job. It's incredibly important to go to Healthcare.gov to see your options. The subsidies available to you could make a healthcare plan incredibly cheap or even free for you and your family.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.29.20 Supermarkets are stocked for Fall; How to negotiate rent with your landlord Sep 29, 2020

    Supermarkets are stocking up before Fall hits in case there's a surge in Covid cases.


    Apartment vacancies are up. So there's more room for you to negotiate concessions with your landlord. But to get the best deal, you have to be willing to walk.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.28.20 Voters are less divided than our politicians; Amazon Prime Day + Ring drone camera Sep 28, 2020

    Americans are actually less divided than our elected officials seem to be. They tend to agree on fiscal policy like the minimum wage and affordable child care.


    Amazon has announced that Prime Day will be on October 13 & 14. The Christmas deals appear poised to come in October and November this year. Amazon has also launched a camera with a drone to monitor your home.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.25.20 Cheaper batteries are lowering energy costs; Clark Stinks Sep 25, 2020

    Tesla is leading the charge towards cheaper batteries. And that is going to have a major impact on consumer energy bills going forward.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.24.20 Housing market inventory is crazy low, driving up prices; Car insurance claim estimator Sep 24, 2020

    Fewer Americans are listing their homes for sale. And as interest rates continue to remain low, that is driving up home prices.


    Artificial intelligence is changing how we react after getting into a car accident. These tech developments will also majorly help adjusters do their work in a more efficient manner.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.23.20 New independent contractor rule; Southwest companion pass offer Sep 23, 2020

    A new rule gives employers more leeway when it comes to how they classify employees. Clark discusses the pros and cons of this move as well as how employers should treat non salaried employees.


    If you are willing to travel right now, Southwest has an offer that's pretty hard to refuse.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.22.20 What to do with overwhelming hospital bills; How small businesses are faring Sep 22, 2020

    Clark discusses how to handle overwhelming hospital bills. It's absolutely crucial not to pay that bill with a credit card.


    There are some positive signs about how small businesses have survived are faring. There is likely still some need for further stimulus to keep businesses afloat.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.21.20 Fighting back against an unlawful eviction; Walmart raising pay Sep 21, 2020

    There is a federal moratorium on evicting tenants who can't pay right now. Clark discusses free software that is available to help you fight back if your landlord is wrongfully trying to evict you.


    Walmart is raising pay for 165,000 workers. They are creating new leadership roles for many employees and a new structure for how they pay employees as well.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.18.20 Why delaying social security payments is so important; Clark Stinks Sep 18, 2020

    A lot of Americans opt to take social security when they are first eligible. But this can cost you a whole lot of money in the long run. Clark discusses why it is so important to delay taking social security if that is possible in your life.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.17.20 The telemedicine boom; Good news for job seekers Sep 17, 2020

    Telemedicine is taking off right now. And it's actually better for your health, too.


    There are all sorts of positive signs in the job market. Clark talks about Hobby Lobby raising its minimum wage to $17 an hour, new job training programs, and more.


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.16.20 Employees love working from home, but many employers don't love it; Football is back! Sep 16, 2020

    Stats show that Americans who have been able to work from home during the pandemic would love to be able to continue doing so when things get back to normal. But a large number of employers are ready to bring their employees back into the office.


    Football is Clark's favorite sport. And he is so glad that it's back!


    Want more money advice? Sign up for Clark’s free daily newsletter!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.15.20 Americans are saving more right now; USPS prescription delivery delays Sep 15, 2020

    Many Americans who can are saving more of their income. This bodes well as the economy continues to recover as the spenders will be able to meaningfully support that recovery.


    USPS delays are having a real impact on the delivery of important medications.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.14.20 The wildfires in California; The cell phone price wars intensify Sep 14, 2020

    Clark talks about what has led to the wildfires in California and what policies need to be implemented to avoid such devastation in the future.


    Link for a listener - Marketwatch's Best Places to Retire tool.


    Verizon just bought Tracfone. This will intensify the price cutting in the industry. That's great news for consumers!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.11.20 Special Edition: Navigating Your Finances in the Pandemic Economy Sep 11, 2020

    Clark talks about how the economy has changed since Covid-19 became a reality in our lives. And his wife Lane joins him to pose your questions - all of which are related to how you should navigate the financial waters given the current state of things.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.10.20 Christmas sales in October; The used car shortage Sep 10, 2020

    Retailers are likely to start offering bargains earlier than normal this year. You could find some great bargains in October instead of having to wait until November!


    There is a used car shortage in our country which is pushing up the value of older vehicles. If you have an older car sitting around that you don't need, consider selling it.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.9.20 Mint Mobile launches cheap unlimited cell plan; FedEx is hiring Sep 09, 2020

    If you need unlimited data, Mint Mobile just launched one of the best plans that is pretty inexpensive - only $30 a month when you pay up front. Check it out on their website.


    FedEx is going on a hiring spree ahead of the holidays. If you are looking for work, check out the job postings from FedEx.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.8.20 The unbalanced stock market; How the eviction moratorium works Sep 08, 2020

    The stock market has started to experience some volatility - particularly in the tech sector. Clark talks about how that should impact how you invest your money.


    If you cannot afford to pay your rent right now, you can avoid eviction by filling out this CDC form.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.7.20 New car recall tool; Dollar stores become more popular as consumers are still hurting Sep 07, 2020

    NHTSA has released a new free app that makes it easy for consumers to check for any outstanding recalls on their vehicle.


    Dollar store chains are starting to get more in-store traffic as a large segment of hurting consumers turn there for lower prices.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.4.20 Walmart Plus takes aim at Amazon Prime; Clark Stinks Sep 04, 2020

    Walmart Plus just launched with a $98 annual fee in an attempt to take market share from Amazon. The perks will include fast shipping on a lot of items - many of which you can get the same day you place the order!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.3.20 Why you should wait to buy an iPhone; States are having financial difficulties Sep 03, 2020

    Apple will be releasing 5G iPhones in the Fall. Don't buy an iPhone until those are released!


    Clark talks about the states that are having the most financial difficulty right now and how that will affect you. Taxes could go up and services could get cut.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.2.20 Federal reserve won't worry about inflation; Companies forbid employees to talk about Covid diagnosis Sep 02, 2020

    The Federal reserve has signaled that it won't do much to reign in inflation right now. Clark discusses what that means for your money in the near future. Savers, in particular, are getting their clocks cleaned.


    Some companies are putting employees under a gag order if they have symptoms of Covid. Clark is not in favor of companies adopting these sorts of policies. They are unsafe!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    9.1.20 Executive order confusion and stimulus package progress; More airlines drop change fees + flying cars Sep 01, 2020

    Clark talks about how the executive orders are rolling out. And will there be another stimulus package? It's likely. But it's hard to know when Congress will come to an agreement.


    Delta, Alaska, and American Airlines join United in dropping airline change fees & a flying car was tested successfully in Japan!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.31.20 Clark talks prostate cancer and improving your eating habits; United scraps ticket change fees Aug 31, 2020

    Clark was diagnosed with prostate cancer over a decade ago. But he's in great health still. Staying healthy is important for so many reasons, and your eating habits are a major contributor to your overall health. Check out Clark.com for more info on Clark's work with the Prostate Cancer Foundation.


    United Airlines is permanently getting rid of ticket-change fees. This is great news. Those fees are unnecessary. They also cause consumers a lot of frustration and cost them a lot of money.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.28.20 Now is an ideal rate to shop around for car/home insurance; Clark Stinks Aug 28, 2020

    Insurance companies are raking in the profit right now as crime is down and people are driving less. That makes this an excellent time for you to shop with multliple companies in order to score a better rate. You could save a LOT of money every year!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.27.20 New refinance fee postponed; Why freezing your credit is SO important now Aug 27, 2020

    The new refi fee that Clark talked about last week is being postponed until December. And borrowers who are refinancing smaller loans won't see it at all!


    With an influx of Covid scams, freezing your credit is more important than ever. If you haven't frozen your credit, do it soon. It's incredibly quick and free!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.26.20 Knowing your home's flood risk; Rip-off schools Aug 26, 2020

    FloodFactor.com is a great website that can help you assess your home's flood risk. And if you are at a higher risk, you can get flood insurance pretty inexpensively!


    There's a new way to get money to pay your tuition at for-profit schools. And no surprise, it's a rip-off too.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.25.20 IRS to stop sending tax notices for now; Schwab's new free planning tool Aug 25, 2020

    IRS will stop sending tax notices for now until it clears through a backlog of mailed in returns.


    Charles Schwab has a new tool to help with retirement planning. In about 15 minutes you can generate a helpful retirement plan based on your own goals and the probability of funding those goals based on your age and current asset allocation. You can check out the new free tool called Schwab Plan here.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.24.20 Zoom crash this morning + alternatives; The K-shaped look of the economic recovery Aug 24, 2020

    Zoom experienced a big crash this morning on the east coast of the US. Clark discusses and talks about the importance of having backup video conferencing options.


    The K-shaped economy is increasing the level of income inequality in the country. Clark discusses how to change your income prospects as the Covid economy continues to create real hardship.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.21.20 Click & collect is the present and the future; Clark Stinks Aug 21, 2020

    Retailers like Target are crushing it right now - in large part because they have done an incredible job with click & collect. Clark loves buying stuff and picking them up at nearby national retailers.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.20.20 Amazon's sale of faulty goods; What's up with the next stimulus bill? Aug 20, 2020

    A court has just ruled that Amazon can be held responsible for faulty and unsafe good being sold on its website. Often many of the questionable items are sold by third party sellers but Clark calls on Amazon to clean things up on their site.


    The next stimulus bill is taking a while to put together. Clark talks about how the implementation of the recent executive orders is going and what we can expect from a stimulus bill at some point in the future.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.19.20 Stock market reaches new highs; Flexible leases are more common Aug 19, 2020

    The stock market has fully rebounded since its collapse in the Spring. Apple just hit a $2 trillion valuation while the S&P 500 hit a new milestone as well.


    Leases are traditionally one year long. But landlords are becoming more flexible due to the pandemic. So if you would prefer a shorter lease or even to rent month to month, you should ask for that now!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.18.20 New fees for refinancing; Apple & Google's monopolistic tendencies Aug 18, 2020

    Mortgage refinancing just got more expensive thanks to this new fee from Fannie Mae and Freddie Mac.


    Apple and Google are acting more and more like a shared monopoly. Case in point, Fortnite has been pulled from both Google and Apple's store for attempting to bypass the fees they impose on sellers.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.17.20 What's happening with the post office?; Student loan executive order details + a new proposal for student loan forgiveness Aug 17, 2020

    There are some big issues with the postal service right now and it has led to a political firestorm in Washington. But Clark wants to discuss the reforms that are actually needed as the USPS has seen declines in the mail they deliver.


    It looks like federal student loans will continue to see payment and interest deferral for the rest of the year due to the President's executive order. There's also a new proposal to change the way income based repayment works which would create some much needed simplification.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.14.20 Cutting items from your budget to save more; Clark Stinks Aug 14, 2020

    Clark encourages people to look over their spending for the past month or two. Are you still spending on gym memberships or other recurring subscriptions that you aren't really using right now? Cancel them out of your life!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.13.20 iBonds could be a great savings vehicle; Grocery shortages Aug 13, 2020

    With rates dropping quickly for savers, iBonds could be a great place to put some money you want liquid in order to get a better return.


    Some items are still hard to find at the grocery store. Clark talks about what is going on and the price inflation we're starting to see on lots of grocery items.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.12.20 How unemployment benefits will work under the executive order; Prepaid cell phone plan deals Aug 12, 2020

    The President's executive order extends federal unemployment benefits. But what will that look like on the ground in the states? Clark discusses.


    Boost Mobile has a new $10 a month plan! Clark talks about that and some of the other best deals right now on cell service. You could save hundreds of dollars a year.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.11.20 Watch out for these bill scams; Insurance company access to your medical records Aug 11, 2020

    People are getting bill collection notifications via text or email that are scams. Especially in these emotional times, be vigilant for scam artists trying to get your personal or financial information.


    Life insurance companies want access to medical records in order to speed up life insurance purchases.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.10.20 Eviction fears & potential for stimulus action; Chaotic start to school year Aug 10, 2020

    Clark discusses the difficulty many are having as federal unemployment benefits run dry in the absence of another stimulus bill. It could lead to an increase in evictions if the federal government doesn't pass another bill soon.


    The school year is getting off to a rocky start in many places. As some kids are doing remote learning, others have gone back in person. And the difference in safety precautions varies greatly by school district.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.7.20 Gold and precious metals have been on a tear; Clark Stinks Aug 07, 2020

    Gold prices have been soaring. And the gold bugs are touting gold to the masses as the best investment strategy. Clark talks about how you should think about gold in your investment portfolio.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.6.20 Credit lines being cut; AT&T rapidly losing customers Aug 06, 2020

    Credit card limits are being cut for many customers by the banks. This is going to drastically hurt the credit scores of many - and in the midst of a pandemic.


    AT&T is having an incredibly tough time. The company is losing massive amounts of subscribers which is crushing revenue.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.5.20 Self storage units having a tough time; Half of Americans see income drop Aug 05, 2020

    With more Americans staying put and hunkering down, the storage unit industry is hurting in a big way.


    A new survey from Bankrate shows that almost 50% of Americans have had a reduction in income because of Covid. Pay cuts and furloughs have made things much harder on a lot of folks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.4.20 Why Roth 401k's are better; Fast food rewards programs Aug 04, 2020

    Roth 401k's make more sense than traditional 401k's for a lot of people. Clark discusses why that is the case.


    Wendy's has launched a rewards program. Starbucks just made changes to its rewards program. Clark talks about which ones he uses and how he's able to use these rewards programs and apps in order to score discounts and free food.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    8.3.20 Qualifying for food stamps; Protecting your email privacy Aug 03, 2020

    Are you eligible for food stamps? Many more Americans might qualify right now.


    A new email service will charge you $100 a year for an email address but they offer you privacy in return. Clark has other free options that he shares also.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.31.20 Overworked pharmacists making more prescription mistakes; Clark Stinks Jul 31, 2020

    CVS in Oklahoma was fined for prescription errors and poor staffing. Pharmacists need to be treated better!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.30.20 Websites that help end of life planning; Major discounts available for monitored driving Jul 30, 2020

    Lantern and Cake are newer websites that do a great job helping people plan for the future and do some estate planning.


    If you will let your insurance company monitor your driving you can score some major discounts and save a lot of money.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.29.20 Amazon & Walmart changing checkout experience and robots that cook; Acorns Early to save for your child Jul 29, 2020

    Amazon has created a new shopping cart that allows you to skip the checkout line. Walmart is working on something similar that will create efficiency and limit human contact.


    Acorns has created Acorns Early to help you start invest for your child's future. If you have a child born in 2020 the account is free until they turn 18!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.28.20 How to handle health insurance if you've been laid off; Is now a good time to buy a home? Jul 28, 2020

    In some states, almost 1/4 of citizens are without health coverage due to the pandemic and having lost their job. Clark talks about where to look for healthcare coverage. You should specifically look to the healthcare exchange at Healthcare.gov. You may be eligible for a heavily subsidized policy if your income has been drastically reduced.


    Clark discusses the state of the housing market and how things are shaping up in regards to inventory and pricing.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.27.20 Walgreens is adding doctors offices across the country; Credit card debt is shrinking Jul 27, 2020

    Pharmaceutical chain Walgreens will be adding doctors offices to stores around the country. The Walgreens model will be unique as you'll be able to see a primary care doctor there.


    People are paying down credit card debt in a big way since the pandemic began. This is great news.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.24.20 Garmin breach has major ramifications; Clark Stinks Jul 24, 2020

    Garmin services went down after a ransomware attack. This affects user data for Garmin users but the implications of this breach go even further. Clark discusses.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.23.20 Unemployment & possible stimulus measures; Instacart customer data leak Jul 23, 2020

    Stimulus bill talks are heating up in Washington. As Covid cases are increasing in many states, legislators are starting to talk about what it should look like to provide further financial relief to affected Americans.


    Buzzfeed News is reporting that the personal information of Instacart shoppers is being sold online. This includes names, addresses, credit card data, and more.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.22.20 Walmart won't be open on Thanksgiving; College tuition cuts Jul 22, 2020

    Black Friday is going to be very different this year. Walmart has announced that they won't be open on Thanksgiving and that will likely cause a lot of other retailers to follow suit.


    Some universities are offering tuition discounts this year. Others aren't. Clark gives alternatives to consider if the school you or your child attends isn't offering a Covid discount.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.21.20 Getting out of a lease; Crowded flights Jul 21, 2020

    As states and municipalities begin to do away with eviction moratoriums, it's important to know how to protect yourself. Clark discusses how you can work with your landlord to potentially get out of a lease.


    Flights are getting more crowded as more people get back onto airplanes. Clark discusses the specific airline passenger limits and what you need to know before you fly.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.20.20 Potential Covid stimulus package; Retailer mask requirements Jul 20, 2020

    Different stimulus proposals are making the rounds. Clark discusses what he believes will be a part of the next relief package.


    Major retailers are now requiring that you wear a mask in order to shop in person. And as the biggest retailers in the country have developed policies, many smaller businesses are following suit.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.17.20 Mortgage rates decline further; Clark Stinks Jul 17, 2020

    Mortgage rates have fallen. And you can now get a 30-year mortgage under 3%! Clark is a big fan of 15-year mortgages though because of the even lower rates those carry.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.16.20 Bitcoin scam hacks prominent Twitter users; Small business bankruptcy tips Jul 16, 2020

    Hackers broke into the Twitter accounts of prominent politicians and business leaders to send a message about a Bitcoin scam that claimed to double people's money.


    It's easier than ever for small businesses to file for Chapter 11 bankruptcy. Clark tells you what you need to know if your business is in big financial trouble right now.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.15.20 Walmart now requiring masks to be worn; New data on the economic recovery Jul 15, 2020

    Walmart is going to require customers to wear masks starting July 20.


    Clark discusses new data on the economic recovery. He talks about which sectors are doing well and which ones aren't - and how that's affecting jobs.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.14.20 The economy, jobs, and the potential for more stimulus; Travel safety and booking Jul 14, 2020

    Clark talks about what is currently happening in the economy as Covid cases rise in many states.


    Booking travel is still fraught with issues right now. Clark discusses how to think about safety when traveling and booking travel in the midst of the pandemic.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.13.20 Tax filing deadline quickly approaching; Ford promises to buy back cars if you lose your job Jul 13, 2020

    The deadline to file your taxes is on Wednesday. And Clark discusses the importance of filing a return no matter what your situation is.


    Auto manufacturer Ford promises to take back any Ford car that you buy if you lose your job - as long as you finance your vehicle with Ford as well.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.10.20 Why you need to drive your car even if you have nowhere to go; Getting conference calls right Jul 10, 2020

    Because of Covid, cars are being driven a lot less. And some animals are finding a new home. So Clark discusses how to take care of your car and keep it in good shape even if you don't have anywhere you need to drive.


    Conference calls can be a frustrating new part of your daily life. Clark talks about how you can make them easier and less annoying.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.9.20 People are adopting pandemic puppies; Investing gets cheaper as fund fees fall Jul 09, 2020

    People are buying a lot of puppies and other pets because of the pandemic. Clark makes a pitch for getting a rescue puppy.


    Investing continues to get cheaper for the average American.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.8.20 How you bank will change because of Covid; How restaurants will survive - takeout Jul 08, 2020

    It seems like every sector of the economy is impacted by Covid in one way or another. Banking is no different. Clark talks about how your relationship with your bank will change because of the virus.


    Takeout is becoming incredibly important to the survival of local restaurants.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.7.20 Companies now doing curbside pickup; 71% of Americans think their retirement is destroyed Jul 07, 2020

    Curbside pickup is becoming more normal these days. And even major companies like Aldi and Sam's Club have both started doing curbside pickup.


    A large percentage of Americans feel like their retirement has been destroyed because of Covid's effects on the economy and the stock market.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.6.20 Best customer service cell phone companies; Cities redesigning streets for bike commuting Jul 06, 2020

    The ACSI just came out and lists the cell phone companies that have the best customer service.


    Covid-19 has caused some cities to look at how they design for alternative forms of transportation - and many are prioritizing bike commuting right now.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.3.20 Community college saves you money; Clark Stinks Jul 03, 2020

    Community college is a big time money saver. And it might make even more sense for lots of kids in the Fall.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.2.20 Millions of loan payments being skipped; How to approach investing if you are near retirement Jul 02, 2020

    Millions of loan payments aren't being made right now. But it's actually not as bad as some people thought it might be.


    Many near-retirees are having a hard time thinking about how they should handle their investments right now. Clark gives his thoughts.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    7.1.20 Travel insurance problems; People are moving all across the country Jul 01, 2020

    The travel insurance industry has had massive problems during the pandemic. Clark tells you how to buy travel insurance moving forward.


    People are moving across the country in much greater numbers right now for more opportunities or a better life. Remote work is definitely contributing to this as well.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.30.20 Keep your food fresh longer; Is now a good time to re-balance your retirement portfolio? Jun 30, 2020

    There are ways to keep your food fresh for longer. And it's more important as grocery prices continue to rise.


    Re-balancing your portfolio can be important from time to time. And right after stocks have moved a good bit might mean it's wise to check your holding. But remember, it's important to keep your time horizon in mind before you make any changes too.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.29.20 New 401k rules could wreak havoc on your account; Asking for a raise Jun 29, 2020

    New 401k rules allow for individual investors to invest in private equity. Clark is not a fan of this.


    Clark gives suggestions on how to ask for a raise...and actually get one.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.26.20 Americans are returning to car dealerships; Clark Stinks Jun 26, 2020

    Most people thought that car buying would take place online in the future - in large part as a response to the pandemic. But Americans are already returning to car dealerships!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.25.20 Walmart expands education benefit to include skilled trades; Vanguard's super-cheap digital advisor Jun 25, 2020

    Walmart is offering its workers increased access to education benefits that go beyond just getting a college degree.


    Vanguard's digital advisor service is making robo-advising even cheaper and more accessible for people.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.24.20 Banks took in $11 billion in overdraft fees in 2019; Pay cuts are becoming more common Jun 24, 2020

    Overdraft fees are the worst. Mostly because they can be avoided!


    Pay cuts have become more common during the pandemic. Many employers are choosing pay reductions instead of letting employees go completely.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.23.20 Watch out for unused gift cards; Debt collectors increase aggressive tactics Jun 23, 2020

    Unused gift cards need to be used as soon as possible. As more retailers file for bankruptcy those gift cards become worthless.


    Debt collectors are taking more aggressive tactics to claw back money from people that owe. Clark tells you what to watch out for.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.22.20 Beware credit card fraud; Renter background checks are flawed Jun 22, 2020

    As we do more shopping online, scammers are more likely to take over individual credit card accounts. So freeze your credit and check your statements and watch out for phishing scams.


    Renter background checks help landlords decide who they will rent to. But they aren't always accurate.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.19.20 Last-minute Father's Day thoughts; Clark Stinks Jun 19, 2020

    Clark talks about what to do for your dad in the middle of a pandemic.


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.18.20 Spending from high-income earners is down; Getting PPP forgiveness and getting your stimulus money Jun 18, 2020

    Clark discusses the current state of the economy including what is happening with unemployment. Also, high earners in society have been spending a whole lot less which isn't helping the recovery.


    Getting PPP forgiveness will be easier for small businesses with smaller PPP loans.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.17.20 Target raising minimum wage to $15 an hour; T-Mobile outage and communicating when networks go down Jun 17, 2020

    Target is raising the minimum wage. Pay has gotten much better for retail workers in recent years and that trend is continuing.


    T-Mobile experienced a massive network outage yesterday. Clark talks about what went down and how you should look to communicate in case your internet or cell network goes down.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.16.20 Retail sales are up; EIDL loans are again available for small business owners Jun 16, 2020

    Retail sales rose a record 18% in May. That's the biggest monthly increase since 1992. Clark discusses what this means for the economy.


    The SBA EIDL program has been hard to follow with rules that have changed frequently. But the SBA just re-opened EIDL loans for small businesses who have been hit hard by the pandemic. You can call 1-800-659-2955 or email disastercustomerservice@sba.gov for more information.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.15.20 Hertz selling off cars in its fleet; The riskiest activities to partake in during Covid-19 pandemic Jun 15, 2020

    Hertz is selling off cars. But should you buy one? Clark tells you what to watch out for and what is important when buying a used car.


    Certain activities are riskier right now. Clark talks about how to weigh the pros and cons of partaking in some activities as Covid-19 is still a real issue.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.12.20 Monitoring your credit score is even more important right now; Clark Stinks Jun 12, 2020

    With many payments being deferred right now some creditors are making inaccurate reports to the credit bureaus. So watch your credit score closely!


    Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.11.20 Why the stock market fell today; Amazon creates small business lines of credit Jun 11, 2020

    The stock market took a big dip today. There are a few reasons for this and Clark explains.


    Amazon and Goldman Sachs have joined together to offer small business lines of credit.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.10.20 So many good deals right now!; Small investors are taking big risks Jun 10, 2020

    Clarkdeals.com has been busy because deals currently abound. Clark talks about the best deals he's currently seeing.


    Small investors are buying incredibly risky stocks right now. There's a strong chance that will come back to bite them.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.9.20 Car prices are going up; Some stimulus payments coming via debit card Jun 09, 2020

    Used car prices had fallen a good bit recently because of the pandemic. But the time for used car deals is over as demand has skyrocketed.


    Some people have accidentally thrown away their stimulus money. That's because it came in the form of a debit card in an unmarked envelope.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.8.20 Are we still in a recession?; Ticketmaster's new refund policy Jun 08, 2020

    Some economists are saying that we aren't in a recession any longer. That's hard to understand when unemployment is still off the charts. Clark discusses the current situation of our economy.


    Ticketmaster has a new refund policy. Clark explains the details.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.5.20 Should kids go back to school?; Why CD's might be a great place for your money right now Jun 05, 2020

    Clark talks about the great dilemma of whether or not schools should open in the Fall.


    Rates for taking on student loans in the Fall have plummeted. And CD's might be better than a savings account right now.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.4.20 Employers can allow you to change your health plan; Popular pandemic scams Jun 04, 2020

    The CARES Act allows employers to make a decision on whether or not you can change the healthcare plan you are currently enrolled in.


    There are more scams floating around right now. Clark tells you what scams are popular right now and how to avoid getting taken.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.3.20 Store brands are having a moment; Paying your rent Jun 03, 2020

    Store brands and generics are doing incredibly well right now. But they have always been a good money saving idea.


    A lot of people are having a tough time right now. But almost 9 out of 10 people have been able to pay rent on time.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.2.20 Amazon is releasing a new Fire HD tablet; PayPal's new credit card is actually great Jun 02, 2020

    Amazon has solid tablets at really great prices. And they have just released a new version.


    PayPal's older credit card offering just wasn't that great. But the new one is definitely worth considering!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    6.1.20 Advice for people looking for a job; People are driving again in bigger numbers Jun 01, 2020

    Clark discusses how you should go about job hunting in today's environment.


    People are starting to drive again in larger numbers. Gas prices are lower than they were before the lockdown began so that's a silver lining.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.29.20 Small businesses ditching delivery services; Avoid using these apps for payments especially with current Covid scams May 29, 2020

    Delivery services cost small businesses money. So many are opting to ditch the delivery services and Clark discusses how you can continue to support them.


    Using app like Venmo and Cash app are great for paying people that you know. But scammers are using these apps to swindle people out of their money. Clark tells you what to watch out for.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.28.20 Average monthly expenses survey; What foods are making a comeback right now May 28, 2020

    Clark goes over a survey that shows what the average monthly expenses are for Americans.


    Some of the big food products, especially snack foods, are coming back in vogue these days.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.27.20 Staying safe in hotels this Summer; Fiduciary disclosure coming to your mailbox May 27, 2020

    When you are traveling this Summer, if you are staying in a hotel, it's important to stay safe. Clark tells you how to do that.


    An awkward and opaque letter will be coming to investors in the coming weeks. Clark bring some clarity to what this fiduciary disclosure means.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.26.20 Navigating Cobra insurance benefits; How students should think about school in the Fall May 26, 2020

    Cobra benefits are going to be offered to you if you lose your job in many cases. But those benefits can be EXPENSIVE. Clark discusses what the decision to get Cobra should entail.


    Should you go back to school in the Fall? That's a very real question. You might not be getting what you are paying for if Zoom calls are the likely classroom.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.25.20 Walmart Express offers 2-hour delivery; Home prices are actually rising right now May 25, 2020

    Walmart just launched Walmart Express which promises 2-hour delivery.


    Many people assumed that home prices would fall as a result of the pandemic and increased unemployment. But home prices have actually gone up. Clark explains.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.22.20 Restaurants incur higher expenses start surcharging customers; Clark Stinks May 22, 2020

    Some restaurants have come under fire for charging Covid-related surcharges. But the revenue is down and expenses are up for most local restaurants.


    Clark Stinks makes a return to the show this week! If you have a Clark Stinks to share go to Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.21.20 How the life insurance industry is changing; Where the hiring is actually happening May 21, 2020

    At-home exams for life insurance are starting to become the norm instead of being the exception to the rule. Buy life insurance on the internet in order to avoid the hassle.


    A lot of hiring isn't going to take place on the giant career websites. Look to horizontal job platforms for sector-specific job opportunities during the recovery.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.20.20 Getting debt relief from financial institutions is hard right now; Second home communities will hurt for a while May 20, 2020

    The phone lines could be tied up at your bank or lender as MANY people are seeking relief. Clark tells you what to do.


    Second home communities will likely have a tough time for a while. Prices will likely go down for homes in these locations.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.19.20 Walmart earnings soar; Cyber insurance is more necessary now - and more costly May 19, 2020

    Walmart has been one of the biggest quarantine winners as earnings have gone up substantially.


    Cyber insurance is becoming an even bigger necessity as more people are working from home. But it's also getting more expensive.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.18.20 New mortgage forbearance rules; Stock market pivoting positive on vaccination progress May 18, 2020

    New mortgage forbearance rules are great for people who are having a hard time paying their mortgage right now.


    The stock market is doing well today thanks to progress on a potential vaccine for Covid. This shows how much we all want good news right now.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.15.20 Retail sales plummet 16% in April; Clark Stinks May 15, 2020

    Retail sales were even worse in April than economists expected.


    Clark Stinks is back! You can contribute to this segment by sharing the ways you think Clark Stinks at Clark.com/ClarkStinks.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.14.20 New PPP loan guidance; Credit report protections in the CARES Act May 14, 2020

    Some really helpful guidance on the PPP loans just came out. In particular, the SBA is providing safe harbor for PPP loans under $2 million.


    Your credit should not be negatively affected if you can't pay your bill right now. If you've seen your credit score take a hit, stand up for your rights.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.13.20 Grocery costs have soared; Watch out for Coronavirus misinformation May 13, 2020

    Clark talks about how consumer purchasing has changed...and groceries have quickly gotten more expensive.


    Misinformation about the virus is rampant - in particular on social media sites.


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.12.20 New safety rules when traveling; Student loan forbearance affecting people's credit May 12, 2020

    Airlines and airports are instituting safety requirements if you plan to travel in the near future.


    Student loan forbearance has been great for people with student loans. But some people are having their credit negatively affected. Not good.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.11.20 Manufacturing plants opening back up; Life insurance is harder to get right now May 11, 2020

    Unemployment has climbed and is worse than the headline number shows. Clark also discusses how manufacturing is opening back up.


    Some Americans are being turned away from buying life insurance. Overall, life insurance is harder to get than it was just last month.


    The ClarkRave today mentioned Rhonda Roland Shearer's GoFundMe to cut red tape for heroes. You can find that here.


    Clark also mentions how to return an economic income payment on this episode. Check out FAQ #41 on IRS.gov in order to find out more.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.8.20 What to do when mortgage forbearance is over; Clark Stinks; Bikes are selling like hot cakes May 08, 2020

    Planning ahead for how to handle the end of mortgage forbearance is smart. Clark tells you how to talk to your mortgage provider if you need more time too.


    Clark Stinks makes a return to the show this week! If you have a Clark Stinks to share go to Clark.com/ClarkStinks.


    Consumer spending has been different since the pandemic hit. In particular, home workout equipment and bicycles are incredibly popular.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.7.20 Private student loan compact; Contact tracing improvements; Masks required at many businesses May 07, 2020

    Millions of people are covered by a multi-state agreement that will allow individuals with private student loans to put a pause on payments for 90 days.


    Google and Apple are helping in a big way with their contact tracing app. Clark discusses what they've done and the potential privacy issues you could encounter.


    Many businesses are now requiring that customers wear masks in order to shop there. This has created a really strong backlash in some cases.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.6.20 Meat shortage; Humana waiving copays; Travel reward cards are offering additional incentives. May 06, 2020

    Costco and some grocery stores are limiting meat purchases as we're experiencing a meat shortage in the country.


    Humana is waiving copays for members right now.


    Travel reward credit cards are having a hard time getting customers to renew. So they are having to offer additional benefits to keep customers around.


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.5.20 Spending habit changes during Covid; Age discrimination more prevalent; Americans saving money; Maintaining your car during quarantine May 05, 2020

    Spending habits have changed during the coronavirus outbreak. But it appears that everyone has cut spending no matter what your state's approach has been to locking things down.


    Age discrimination could become an even bigger issue post-Covid.


    Americans are saving a much bigger chunk of their money right now. This is good!


    How can you keep your car in good running order if you aren't driving it!? Clark discusses.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.4.20 Corporate liability shields; Airline stocks hammered; Micro businesses; Cash-out refi or 401k withdrawal? May 04, 2020

    Employers fear liability from as they bring employees back into the office.


    Virtual volunteering might be a great use of your time right now.


    Warren Buffet has sold all shares in the major airlines. Their stocks are getting hit hard. Clark talks about the long-term projections for air travel.


    Micro businesses are helping keep people afloat in difficult financial times. Starting a super-small side hustle might make sense for you.


    Should you take cash out of your home or out of your retirement account? Neither is best. But if those are your choices be sure to listen to what Clark has to say.


    Clark mentioned this link to Ticketmaster's blog with their refund terms.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    5.1.20 Clark's quarantine life; People avoiding doctor offices; Truck drivers face big hurdles; Don't take money from your 403b May 01, 2020

    Clark talks about what his life looks like right now and how his family is handling being cooped up together. There have been some positive benefits!


    People are avoiding doctors or going to the hospital right now. That is not safe!


    Truck drivers have done a great job keeping the supply chain going but it hasn't been without a lot of hardships and obstacles.


    Taking money from your 403b is a particularly terrible idea. You could face massive surrender charges in addition to the taxes you'll have to pay.


    If you enjoyed this episode of the Clark Howard Show please hit the subscribe button. And also consider leaving a review on Apple Podcasts - it helps others see the value that this show is providing.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.30.20 What to do about Summer vacation; Private business safety rules; Market-timing Millennials; Air travel is on the rise Apr 30, 2020

    Should you still go on Summer vacation? That's the question on a lot of people's minds. Clark talks about how you should think about your upcoming Summer travel.


    Costco is making all customers wear face masks if they want to shop in the store. This is making some customers upset. But we're going to have to get used to more and more safety rules being implemented by private businesses.


    Some people are trying to time the market right now and are getting burned - in particular by sectors they don't understand very well before they start investing cash.


    People are starting to hop back on airplanes. Clark discusses what he thinks a resurgence of air travel should look like.


    If you enjoyed this episode of the Clark Howard Show please hit the subscribe button. And also consider leaving a review on Apple Podcasts - it helps others see the value that this show is providing.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stations Apr 29, 2020

    Florida is doing a terrible job getting unemployment payments to citizens who have applied. California is having a tough time funds to independent contractors, gig workers, and the self employed who are eligible.


    Consumer spending has fallen off a cliff. Clark talks about some of the numbers that are coming in and where the American economy stands right now.


    Walmart and Paypal are two of the best places to cash your physical stimulus check in order to avoid exorbitant fees.


    CVS & Walgreens are ramping up free Covid testing outside stores.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.28.20 Paper goods hit shelves + beef & pork shortage; Tech late-fee policies; Avoid getting cash from predatory lenders; Covid has accelerated economic changes Apr 28, 2020

    Beef and pork prices are likely to rise soon because of the shortage due to Covid. Also, paper goods are making a reappearance on store shelves...finally.


    Verizon, AT&T, and Comcast aren't terminating anyone who can't pay through the month of June. They won't charge late fees either.


    If you have to take on more debt right now in order to put food on the table, make sure you do it wisely. Clark gives recommendations for where to go to avoid predatory loans that will make your financial situation even worse.


    Covid is rapidly changing our economy. The virus is accelerating the decline of businesses that were already having a tough time.


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.27.20 Investing in gold; Ideal car buying window; Is the FIRE movement over?; What to do with your old 401k Apr 27, 2020

    People are getting ripped off buying physical gold right now. Buy a precious metals ETF instead!


    The car market has changed rapidly. Clark tells you when the ideal car buying window is.


    Has Covid-19 killed the FIRE movement? Lots of headlines suggest that it has, but Clark disagrees.


    If you lose or leave your job, what should you do with that old 401k?

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.24.20 Unemployment payment mishaps; Google's new ad policy; Credit card limits being cut; Banks approaching mortgage forbearance poorly Apr 24, 2020

    Some of the states are handling unemployment claims incredibly poorly. Clark talks about how Florida and Texas are having major issues disbursing those funds to people who have lost their jobs.


    Google is verifying ad buyers to prevent Covid scams.


    Credit card issuers are cutting limits on consumer credit cards. This could make getting through this pandemic even more difficult for many people.


    Banks are being stingy when it comes to forbearance terms.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.23.20 SBA barring big companies from fresh PPP funds; Stimulus check hacking; Preparing your finances now; Mortgage forbearance requests have increased Apr 23, 2020

    The SBA has issued a press release clarifying that bigger companies should not be filing to receive PPP funds. This is good news for small businesses who desperately need the money.


    Scam artists have figured out how to steal stimulus checks. Clark tells you how they are doing it and what can be done about it.


    It's important to be prepared with your financial information now. Make sure your loved ones know how to access necessary financial documents in the case of emergency.


    The housing market is going through an interesting time. Clark discusses that and the increased requests for mortgage forbearance.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.22.20 Small business loan funding set to increase; Free weekly credit reports; Increased poisoning from cleaning agents; Google searches have dramatically changed Apr 22, 2020

    Congress is on the verge of passing a bill to provide more funding for small businesses. Clark also talks about how many bigger companies took a large chunk of the first round of PPP loans.


    The big three U.S. Credit reporting agencieshelp Americans with more frequent access to credit histories for one year. Great news for consumers!


    Americans are poisoning themselves as they attempt to fight the virus through increased cleaning efforts.


    Google searches have changed in a big way since a year ago.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.21.20 What's happening with the oil markets?; Economy re-opening; Dealerships won't take leased cars back; Checking real-time story busyness Apr 21, 2020

    Oil prices are cratering. Clark talks about why this is happening and what it means for consumers.


    Some states are making the decision to re-open parts of the economy. But how quickly things will actually recover will be up to individuals and how safe they feel.


    Dealerships aren't taking leased cars back. They are flat out refusing.


    How busy is the grocery store? Google has a way to help you find out when the store has fewer people.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.20.20 More PPP small business money coming; Ticketmaster changes refund stance; Poor college grads; Pro-rated unemployment Apr 20, 2020

    PPP money ran out towards the end of last week. But a deal is close to secure more funding for loans to help small businesses.


    Ticketmaster will be giving refunds for rescheduled or cancelled shows...finally.


    College graduates will be entering the toughest job environment since The Great Depression. Clark has some thoughts.


    Why pro-rated unemployment is something worth considering.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.17.20 Stay the course investing; You are not alone; Erratic economic predictions; Apple's new cheaper phone Apr 17, 2020

    People have not altered their approach to 401k investing. This is good news! Also, here's the link for non-filers to submit stimulus payment info.


    Clark talks about how we are going through this together - you are not alone right now.


    The headline writers are predicting doom and gloom. But this is unrealistic and it's creating anxiety for no reason.


    Apple is releasing a new cheaper SE phone.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.16.20 PPP loan disastrous results; Germany's soft reopening; How working from home impacts your taxes; Robot improvements Apr 16, 2020

    PPP and EIDL are complete failures. Clark talks about why these programs went so horribly wrong.


    Germany is attempting a soft reopening of its economy. Clark thinks they are approaching it well.


    A lot more of us are working from home now. But will you get a tax break for it? Clark discusses - and this article is worth reading on the subject.


    Robots are improving. And some cleaning robots could save lives and prevent humans from having slowly clean.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.15.20 The airlines are getting bailed out; Telemedicine; Customer no service is a regular occurrence right now; Free streaming options Apr 15, 2020

    Clark discusses the specifics of the airline bailout.


    Telemedicine is becoming more and more important. Make sure to not forego necessary medical visits right now...just have them remotely!


    Customer no service is a regular problem in the age of Covid-19. Government agencies and many companies are responding in a much less timely manner.


    We're all streaming more TV these days. Clark tells you where you can go to stream for FREE!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.14.20 Google & Apple working together on contact tracing; Grocery workers at higher risk; Car buying in Covid-19 era; Lending standards are tightening Apr 14, 2020

    Google & Apple are working together on a contact tracing app. This could help as we seek to remain safe as businesses reopen around the country. We will still need to up our abilities to test people for the virus.


    Grocery store workers find themselves at higher risk right now just by going to work. Clark talks about how these workers are being treated. As they put their health at risk, we should be particularly appreciative of their work.


    Car buying is undergoing a massive shift as buyers want to avoid face to face negotiations at local dealerships.


    Lending standards are starting to tighten. We saw this in the aftermath of the Great Recession and we'll see tighter standards implemented by many lending institutions in the coming months.


    Also, you can apply for a PPP loan with Paypal now via this link.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.13.20 Allocating your stimulus money; Car insurance rebates; Ticketmaster/StubHub terrible refund policies; Investing in today's market Apr 13, 2020

    Stimulus checks are starting to hit bank accounts. But how should you handle the money you receive? Clark gives his thoughts.


    Car insurance companies are sending rebates to customers. Clark gives the specifics on which companies are doling out these refunds.


    Ticketmaster and StubHub are not treating their customers well right now.


    How should you be investing right now? The market is volatile. Clark discusses.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.10.20 Clark's thoughts on getting people back to work; The PPP and EIDL rollouts are going poorly; Grocery store safety; Covid-19 scams abound Apr 10, 2020

    When will people be able to go back to work? Clark talks about a potential timeline and what it will look like as the economy attempts to rebound.


    The PPP and EIDL loan programs are failing small businesses. And the goalposts keep moving on lending amounts. Also, the big banks need to do a better job at getting this money into the hands of local small business owners.


    How can you stay safe at the grocery store? Clark discusses what it should look like the next time you go shopping.


    It's pretty hard to watch scams proliferate right now. But that is exactly what's happening.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.9.20 Unemployment number skyrocket + PPP update; Feds aiding mid-size businesses; Exercising from home; Improving your work from home abilities Apr 09, 2020

    Unemployment numbers are up big today. Clark talks about when the increased unemployment checks will arrive. Also, fintechs are starting to lend to small businesses as part of the PPP program. Online lender Kabbage is taking applications and has a great guide to the PPP for business owners.


    The Federal Reserve unveiled a program to offer support to mid-size businesses just this morning.


    Exercising during quarantine is so important. It's good for your mental and physical health.


    Working from home is standard for many people now. Clark tells you how to do it well - and where to buy new equipment that might help you work better from home for the long-term.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.8.20 What to do if you can't pay rent; SBA lending progress update; What is happening in the housing market; Private student loan forbearance Apr 08, 2020

    Clark tells you how to handle a scenario in which you can't pay rent. The key is communication.


    The SBA lending progress is still tied up. Clark talks about what is happening on the ground and the changes he would like to see implemented.


    The housing market is experiencing a bit of turmoil right now. Many buyers are putting off their search right now. But Clark doesn't think that the housing market will experience a prolonged downturn.


    Some private student loan lenders are extending forbearance to borrowers.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.7.20 Clark interviews SBA rep; Unemployment relief updates; Free mental health resources; Getting mortgage relief Apr 07, 2020

    Clark interviews Ashley Bell from the SBA in order to find out more on the Paycheck Protection Program and Economic Injury Disaster Loans.


    The DOL has issued guidelines to states on unemployment relief. States will now have to write new code on their sites in order to handle the requests


    There are great free resources out there for people suffering mental health consequences due to Covid-19.


    Clark discusses how to reach out for mortgage relief. If you have a loan with Fannie Mae or Freddie Mac and have lost your job or faced reduced income because of Covid-19 you qualify for loan forbearance.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.6.20 PPP slow roll-out; Stimulus check updates; Companies helping people; Creating a will right now Apr 07, 2020

    The PPP is off to a really slow start. Clark discusses.


    We've got more information on stimulus checks. Clark discusses what we know now.


    Some companies are doing great work right now helping their customers. Clark highlights a few.


    Creating a will is a great idea right now. Clark tells you how to proceed.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.3.20 Important Covid-19 economic updates; Sheltering in place works; Zoom privacy issues and alternatives; Robo Advisors Apr 03, 2020

    Clark talks about the important updates on how PPP is being implemented and what the latest is with unemployment insurance claims.


    Sheltering in places works to keep us safer...and it's better for the future of our economy.


    Zoom has gotten some flack for their lack of proper privacy protections for users. Clark mentions some alternatives you should consider.


    Robo advisors are seeing people sign up in droves. They do a good job helping people allocate their investments properly.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.2.20 Stimulus check updates; Unemployment compensation problems; Fake Covid-19 remedies; Stores stepping up delivery abilities Apr 02, 2020

    Clarifications have been made about who will receive stimulus money from the government and when that money will come.


    State unemployment agencies are still trying to figure out how they process all of the new unemployment claims.


    Some people are touting Covid-19 remedies that don't work. Watch out for this.


    Stores are stepping up deliveries. Clark talks about how Walgreens is expanding its delivery services right now.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    4.1.20 Paycheck Protection Program and SBA disaster relief; What happens if you can't pay rent; Health insurers waive individual Covid-19 health costs; AirBnb helping hosts Apr 01, 2020

    The details of the PPP and EIDL programs are a little murky. Clark brings as much clarity as possible to a situation that is rapidly moving trying to help small businesses stay afloat during these difficult times. This article from the Wall Street Journal gives some important details on Paycheck Protection. You can also learn more on the SBA website about PPP here. And if you qualify for an EIDL, this is where you can apply for that relief loan.


    What happens if you can't pay rent? Clark tells you how to talk to your landlord and what rights you have right now. This USA Today article offers some important details on your rights as a renter right now.


    The three major health insurers are waiving individual health costs incurred due to Covid-19. Some welcome news in these troubled times.


    AirBnb is helping hosts cover their costs right now. It's a very different stance from the one VRBO is taking.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.31.20 Going to SBA.gov for small business relief money; Employees walking out on the job; Juggling your finances until stimulus money kicks in; Covid-19 scams proliferate Mar 31, 2020

    SBA.gov is the place to apply for economic injury disaster loans. And $10k in funds can be received in the form of a grant if spent on paid leave, maintaining payroll, increased business costs due to Coronavirus disruption, and mortgage or lease obligations that can't currently be met.


    Amazon, Whole Foods, and Instacart employees are not happy about current working conditions. Some are walking out on the job. Amazon employees are saying that they aren't being given proper safety aids like masks, gloves, and antiseptics.


    Clark talks about how you handle your money until the Stimulus bill funds get into our hands.


    Scams are on the rise as Coronavirus worries abound.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.30.20 More unemployment details; Stock market volatility; Real ID implementation delayed; 401k disbursements part of stimulus bill Mar 30, 2020

    Funds will soon be flowing to the states for Americans filing for unemployment. Clark discusses more of the details we now know.


    The stock market continues to be volatile. Clark tells you what this means for your investments.


    Gas prices are down although Americans are driving far less these days. And the Real ID law implementation has been delayed for a year.


    Thanks to the stimulus bill, you can take money out of your 401k without penalty. But should you? Probably not.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.27.20 Small business and non-profit stimulus relief; Getting travel refunds; Barren grocery store shelves will be filling soon Mar 27, 2020

    Small businesses and non-profits are seeing real financial relief in the recent stimulus bill. Clark talks about some of the details.


    Some of the travel refunds being offered by the airlines aren't that great. Clark tells you how to approach the conversation to get the refund you deserve.


    The supply chain is still in working order. It's consumer pre-buying that has led to barren grocery store shelves. But that is a temporary problem that will soon be remedied.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.26.20 Helicopter $ and unemployment compensation details; Student loan stimulus details; IRS filing updates; Taking care of those around you Mar 26, 2020

    Stimulus checks are coming. Clark details the Senate bill and what these stimulus payments will look like and who will receive them.


    The stimulus bill also includes provisions for everyone who has a federal student loan. Clark details the benefit for those people too.


    You don't have to file your taxes until July 15 now. But what about the contribution deadline for an IRA? The IRS has clarified some of the specifics about filing taxes this year and Clark discusses.


    It's so important to take care of those closest to you right now. Clark has thoughts on how to do that and how to do it well.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.25.20 Specifics on relief bill; Talking to your credit card company; Healthcare exchanges reopening; Which companies are hiring Mar 25, 2020

    Clark discusses the stimulus bill deal that finally came together on Wednesday morning. It has not yet become law but some of the details of what this bill looks like have become clear.


    If you need relief from credit card bills right now Clark has advice for having that conversation with your credit card company.


    Healthcare exchanges might reopen in the face of the Coronavirus pandemic.


    Job losses are mounting. But some employers have stepped up their hiring right now. Clark gives you the information.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.24.20 Senate relief bill implications; Automakers making ventilators; Handling student loans; Volunteer efforts will ramp up Mar 24, 2020

    Clark talks about the Senate relief bill that is still being negotiated. It looks like American families will be receiving direct payments from the government. But how long until we get them in our bank accounts? That is still up in the air.


    Automakers are stepping up their efforts to help by making respirators instead of cars.


    Clark talks about how to approach your student loans right now. There's help for people with federal student loans but you might have to press to get any help from a private lender.


    Volunteer efforts will likely start mobilizing in April to help victims of Coronavirus. Clark discusses what he thinks those efforts will entail.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.23.20 Which companies are hiring right now; Fed supporting markets; Beware work from home scams; Finding a work from home routine Mar 23, 2020

    In a tsunami of economic turmoil, Clark talks about the companies that are hiring and where to turn if you are in need of work.


    The Fed announced this morning that they will be supporting the markets with massive amounts of quantitative easing.


    Work from home scams are popping up in a big way right now. What to watch out for.


    Working from home with kids is hard - especially since you are likely having to help them with their schoolwork too. Clark talks about finding a family rhythm during this time.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.20.20 Places handling coronavirus threat well, quarantine leading to more economic difficulties; Mortgage market update Mar 20, 2020

    Clark talks about how Taiwan is handling Covid 19. There's a lot of uncertainty right now and economic difficulties are increasing in light of the stricter quarantine situations.


    Clark talks about how the mortgage market has changed in recent days. Rates have actually swung UP a good bit - but they won't stay up for long.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.19.20 Stock market volatility and your 401k; Government passes a Coronavirus relief bill Mar 19, 2020

    The market is still experiencing a lot of volatility. Clark discusses how you should approach your retirement account in light of the current turmoil.


    Clark discusses what the Coronavirus relief bill means for the American public.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.18.20 Supply chain updates & human resiliency as Covid 19 spreads; How travel companies are responding to customers Mar 18, 2020

    Clark discusses how the grocery stores are doing and the unique way human beings come together in crisis.


    Some travel companies are doing a good job of responding to their customers. Others, not so much. Clark talks about how to approach the travel bookings you already have.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.17.20 Coronavirus causes recession, major job market dysfunction; How government relief is coming during economic upheaval Mar 17, 2020

    Clark continues to talk about the fallout from the Coronavirus pandemic. There won't be a way of avoiding a recession, and many American jobs and small businesses are at risk right now.


    The government is working on ways to prop up the economy during the pandemic. But they seem to be more focused on big business than individual Americans.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.16.20 Coronavirus special: Clark's stock market reaction, small business difficulties, and how to handle your personal finances Mar 16, 2020

    The stock market had a rough day. But the impacts of the Coronavirus extend far beyond that. Clark discusses stock market reaction, small business difficulties, and how to handle your personal finances in these uncertain times.


    Clark also discusses the Fed injecting cash into the economy, mortgage refinancing, and the current travel situation as well.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.13.20 Why savings bonds are GREAT!; Ikea dresser recall Mar 13, 2020

    Savings bonds are great place to put money these days. They could be a better option for you instead of a savings account or CD.


    Ikea is recalling more dressers. Clark tells you what to watch out for and how to keep your kids safe.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.12.20 Historically low mortgage rates; Fifth Third bank in hot water; Officially in a bear market Mar 12, 2020

    Mortgage rates have sunk to historic lows. But there's a LOT you need to know before you pull the trigger on a refinance.


    Fifth Third Bank is being sued by the CFPB stating that the bank opened up fraudulent accounts in customers names without their knowledge. Sounds like Fifth Third took a page out of the Wells Fargo playbook!


    We officially hit bear market territory yesterday. Clark tells you what to do with your investments and how to think about

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.11.20 Coronavirus wide-ranging impacts; Travel cancellation policies changing Mar 11, 2020

    As the WHO has called coronavirus a pandemic, there are many ways this impacts individual Americans. Clark says that our politicians are failing us and should be putting a higher priority on public health. He also talks about how we should approach our personal finances in light of the current scary health conditions.


    Travel companies are having a difficult time and the travel cancellation policies are being changed as coronavirus facts come in. Clark tells you what you need to know.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.10.20 Hidden advisor fees; Hoarding in the wake of coronavirus; Keep your internet browsing private Mar 10, 2020

    It's hard to know how your financial advisor is being paid. And it recently became even more difficult to figure it out. The CFP board is no longer noting how planners are paid on the site LetsMakeAPlan.org. Since the CFP board isn't going to help consumers out, you'll need to help yourself and ask your advisor specific questions before you enter into a relationship. And make sure that any planner you choose to work with is a fee-only planner who has a fiduciary responsibility to his or her clients.


    ‘Limit 5 per member’ – seen at Costco regarding sanitation wipes as people were trying to buy entire palette quantities. In times of uncertainty, people tend to hoard. There’s been a run on hand sanitizers and toilet paper as well. Think through what you actually need. We need to make sure there’s enough for all. Hoarders create false shortages. Manufacturers catch up and supplies are restored so don’t take on more than you need. Think before you buy too much.


    Cable monopolies are fighting new regulation to restrict their spying on consumer internet activity for sale. Receiving free Google services in return for data sales is one thing. But most of us are prisoners of a monopoly internet provider. We’re paying huge money for access while they’re spying on all we do and selling it off. Google at least now allows you to see and delete their collected info on you and set up auto deletion. Maine passed a law requiring privacy and the state is being sued by the cable monopolies, alleging Maine is discriminating against them. Firefox to the rescue with a new, free encrypted service to cut off almost all spying from the cable monopolies. Defeat their lobbying power in a now corrupted Congress by using the Firefox encrypted browser and surf in relative privacy. Those who said the only way to preserve privacy is to carry no tech and separate from the grid have turned out to be right.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.9.20 Coronavirus market impact; Coronvirus scams proliferate; Avoid AT&T TV Mar 09, 2020

    The market is now past a 52 week low and global markets are in panic mode. Global markets are related to an undeclared war between Putin and the U.S. The U.S. has become the world’s most important energy market - natural gas and oil combined. Putin is exploiting the outbreak to undermine the U.S. economy in an attempt to destroy the U.S. hydraulic fracking industry by flooding the world market with oil Russian can produce at a cheaper price per barrel. Putin has engineered a collapse in the price of oil by making it clear he’ll flood the market beyond demand to starve the U.S. oil industry for revenue. This has led markets to expect recession. Oil prices collapsed by unprecedented amounts today. Unless this corrects in the next several days, we’ll see a 30 to 50 cent per gallon drop in gas prices over the next few weeks. But Putin’s long game is to destabilize the U.S. using the backdrop of depressed demand for fuel due to the outbreak, as a way to drive a dagger through the U.S. economy.


    The SEC has released several warnings about phony emails circulating claiming treatments and cures for coronavirus. These ‘pumps and dumps’ are occurring heavily in social media and elsewhere, claiming biomedical breakthroughs. In reality, crooks buy stock in a failed enterprise and try to bid up the price by lying to people. As soon as they run the price up, they sell their shares and investors are left with nothing. Be wary of ‘incredible opportunities’ to score money. State and federal authorities are also warning against fake charities soliciting to provide relief to coronavirus victims. Only give to organizations you know are real to avoid the scams.


    AT&T TV is being heavily marketed at $49.99 – but after clicking to sign up, the junk fees kick in. There are massive penalties to cancel a 2 year contract. No other streaming service asks that. Sleazy, underhanded, deceptive and wrong. Driven by fear and desperation, they impose a 2 year contract and only tell you the price for the first year, but you can’t get out of the second year at double price + junk fees – without paying a massive termination fee. Ridiculous. DirecTV and AT&T internet customers will get the pitch. Know it’s garbage and there are much better alternatives. Hopefully AT&T will come to its senses and compete with integrity. Rebuttal welcome. This is a lousy way to treat brand loyal customers and others. Their other streaming service, AT&T TV NOW gives you the ability to cancel with no penalty. Confusing much? See our streaming guide

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.6.20 Investing in real estate online; Clark Stinks Mar 06, 2020

    Pitches to get into private real estate ventures are prevalent now. Investors own percentages of several properties from dozens to thousands. With little disclosure required in private placements vs. publically traded ventures, the big pitch promises boosted returns. When you put your money in, you're relying on their promises and you can not get your money out of these illiquid investments. Often there are huge commission fees involved. If you don't care to own and manage individual properties, buy public investments from low cost Vanguard, Schwab or Fidelity. They all offer REITs you can buy in and out of at will, no commissions.


    Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.5.20 How to shop for life insurance; Show some love to your 401k Mar 05, 2020

    Life insurance agents are only there to pitch policies with some kind of add-on - the equivalent of a savings or investment account, or something they claim can be used for retirement, will ultimately pay for itself, etc. They have to push ultra-complicated policies to gain more commissions. A straight up policy isn't worth their time. Complicated policies have very high commissions and high costs for consumers. Think whole life, variable life, universal variable life, index universal life etc. When the name gets long, it gets bad for your wallet. For those of use who earn less than $400k, level term life insurance makes sense - derisively referred to by agents as 'just death insurance'. The purpose of life insurance is to provide for the living after you're gone - replacement of income for family. And nothing does that more efficiently or cheaper than level term insurance. In general, buy 10 times what you earn per year. Level term offers coverage for 10 to 30 years that pays only if you die during the term. If you outlive it, it pays out nothing. But premiums are hyper cheap and won't impact your living standard. See our buying guide to insure and protect your family.


    For investors, fears of market losses are common. The market bottomed in 2009, essentially tripled by 2016 and has risen since. Many believe we're on borrowed time. Investing goes through cycles, and some investors are compelled to move their money into safe, stable choices, like CDs. But even if the market fell off a cliff next week and stayed that way for a few years, for anyone in their 40s or younger, this would have no long term effect. It might actually make you more money to just stay the course and leave your money well diversified. The easiest answer for most of us is the target retirement fund closest to the year of your retirement. Remember when the market tanks, every contribution buys more shares for the same money. When the market eventually recovers, it boomerangs to give you more money than you would have had in a steady market. Declines are your friend the younger you are. Closer to retirement your portfolio should be more conservative, but you don't stop putting money into the market. Just dial back risk at 60, as you may live another 30 years. Being older doesn't mean you bag investing. You simply reduce risk, done automatically by target retirement funds, while maintaining opportunity for meaningful gain over time.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.4.20 Home renovations that pay off; Buying used clothing and furniture Mar 04, 2020

    We’re moving into the home renovation season. The National Association of Realtors and National Association of the Remodeling Industry | NARI conduct value studies and have found that a homeowner will get back 50 cents on the dollar for a kitchen remodel. So a 10k kitchen redo will increase the value of your home $5900 at best. The return on adding a master bedroom suite also yields around half. What does pay? Hardwood flooring, HVAC updates and insulating come close to recovering costs. Clark’s simple rule: The reason you renovate or add on to a home is enjoyment. Don’t con yourself into thinking you’re investing for a positive return in cash.


    People are stretching their dollars by taking advantage of how much things depreciate from new to used, particularly in the area of high end women’s clothing. Nordstrom is now actively selling used clothes, joining Macy’s and others. Independents include ThredUp, and TheRealReal. Used furniture is another high depreciation category – not so much for upholstered furniture. If relocating, check Freecycle and Craigslist for furniture.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.3.20 Roth conversions post SECURE Act; Making your employees feel appreciated Mar 03, 2020

    The SECURE act has brought changes to how retirement accounts work, how they're taxed and inherited. Pre-taxed money goes into traditional IRAs. Contributions + earnings are all taxable upon withdrawal. With SECURE Act changes and tax rates only expected to rise in the future due to massive budget deficits, there's a big advantage to convert money over time from traditional to Roth IRAs. Once you pay the taxes at today's lower rates, that money becomes tax free for the rest of your life. Also, it's best for beneficiaries to inherit a Roth IRA vs. a traditional. If you have IRA money and can pay the tax, come up with a plan to steadily move the money over years. Exception: those who make more than $350k a year. Everyone else will see benefit from moving money to a Roth.


    Business owners have the responsibility to treat employees well and let them know their voices are heard. Truth: Most employers aren't very good at truly appreciating the people who work for them. But valuing employees is key to success. You treat employees well, they in turn treat the customers well - everybody wins. Lip service doesn't count. Actions do. How do you let your workers know they're truly valued? Interests have to be aligned. Employees need to understand how they benefit from the success of the business. A paycheck isn't enough. Many workers now need to know that what they're doing benefits society. If you as a worker feel you're not valued and the workplace is unpleasant or the culture is corrosive, search the strong job market and find a place that really does value you.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    3.2.20 Pharmacies exiting supermarkets; Cheapest cell phone plans for low usage Mar 02, 2020

    The pharmacy business is shifting and market share is moving to a smaller number of players. CVS and Walgreens are taking a huge volume of prescriptions. Many with employer insurance use mail order pharmacies. Others are free agents using supermarkets, warehouse clubs or independent pharmacies. If you don't have pharmacy benefits, check your options. Take Walmart's $4 Rx list with you to doctor appointments for direct prescribing there and save. Know that the cheapest overall place is Costco pharmacy, and Good Rx provides transparency and potential discounts. Some pharmaceutical manufacturers provide help with costly prescriptions. Some PBM - pharmacy benefit managers via employment - will not approve some costly meds. If you have an Rx benefit that turns you down for coverage, many drug companies offer enormous help with a coupon to obtain that med free for a year or at a monthly discount. The more questions you ask and the more you look around, the more you'll save.


    See our continually updated cell phone plan guide to pay as little as you can for reliable service. Now there's a plan offering unlimited talk and text for free, via ads- from TextNow, with a $10 SIM card. Unlimited data with Wi-Fi, otherwise talk & text only when roaming. TING allows use over multiple networks including Verizon and Sprint, and offers purchase of minutes and text blocks for under $10 a month. You can also buy data, but it's not a deal if you need a lot.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.28.20 Don't put your tax refund on a gift card; Clark Stinks Feb 28, 2020

    Recently Clark discussed how AT&T issues refunds on stored value cards. These cards are intentionally tricky to spend down – disallowing partial payments by design to keep some of your money through ‘breakage’. Several tax preparation services are now trying to sell customers on accepting their refunds on stored value cards or even Amazon gift cards. These cards have ridiculous junk fees – monthly fees, per transaction fees etc. Putting a tax refund on any kind of spending card is a bad idea. The best use of a tax refund is to pay down debt or contribute to a Roth. Don’t fall for these pitches. They’re all about you spending, paying fees, and giving them the ‘breakage’ money left on the card that you end up forfeiting. It’s your money!


    Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.27.20 Apartments with no lease; MGM data breach; Saving on prescription drugs Feb 27, 2020

    Being stuck in an apartment lease when you need to move quickly is a long time problem. Very few leases have any kind of out. Now, a company called Landing, designed around the lifestyles of young adults, rents through membership agreements. You rent an apartment within their system, and are allowed to move to any other property in the Landing system on 3 days’ notice – no penalty. This allows the nomad in you to wander. You pay $200 a year for this advantage. If you choose to move outside Landing, you need to give 30 days’ notice – still no penalty. Landing operates in several states now with plans to be in most major cities by year’s end. Wouldn’t this work well for retirees as well as a way to travel and experience new places? Landing provides ultimate flexibility. Units come furnished so moving is easy.


    MGM resorts has been hit by a massive data breach affecting roughly 11 million people. Criminals got email, phone numbers and physical addresses – ‘phone book information’. Marriot suffered a large breach a year and a half ago. Potentially half a billion people around the world are exposed through hotel chain hacks. Consider having a specialized email address. Don’t compromise your main personal email at the heart of your life and data. Have a separate email address for commercial activity.


    The core to saving on meds is to be proactive. Before a provider writes a script, you can check costs and offer an alternative. Have a pricelist from your pharmacy, check your prescription drug plan. You can use a discount program like GoodRx and spend less by not going through insurance. See our guide comparing 5 major prescription drug programs: SingleCare, GoodRx, Blink Health, RxSaver and WellRx. Among the 15 common meds tested, RxSaver was consistently the cheapest, but that doesn’t mean it will always be. GoodRx came in next. We discovered that using 2 of these is likely to get you the best price. Clark checks his insurance coverage and then otherwise. It’s surprising how often meds are cheaper outside insurance using a discount program. There’s great advantage to checking up front before a med is prescribed. Medical professionals don’t know costs. It’s up to us to manage what we pay.


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.26.20 Discount brokerage consolidation; Check scam hitting millennials; Beware bad car-buying advice Feb 26, 2020

    The investment industry is going through consolidation that will lead to fewer players. Weakened mutual fund companies, stock brokerages and investment houses are merging. A small number of huge players will emerge. All this has come about because of the enormous strength of the big 3 discounters. Vanguard, Fidelity and Schwab have essentially demolished the competition. Traditionally, investors paid massive fees to bank investment arms or full commission stock brokers. Some still do but the movement is to lower costs. Full commission outfit Morgan Stanley is buying discounter E*Trade, ostensibly to sell E*Trade customers on their products. It’s important to know what you’re buying with any organization you invest with. Understand what you’re getting and what you’re paying.


    The FTC warns the phony check scam is roaring back, now successfully targeting young adults – those in their 20s and 30s who have never been check writers. They’re less likely to suspect a check is bogus, especially if it clears. In addition to elder loved ones, make sure the young adults in your life know that if they get a UFO check with instructions to deposit, keep part of the money and do something else with the rest, they’re about to get scammed big time. The check that cleared will usually bounce in 4 to 6 weeks, and they’re liable for all that money.


    Right now there are various disasters associated with trading in a car. Simple rule: DON’T trade in a car that is not paid off. Around 30 – 40% of people are dumping cars they’re upside down in. Danger zone. There are dishonest car dealers that know they can’t get a loan to cover an upside down trade, so they’ll encourage the customer to buy a new car with a fresh loan, and just default on the vehicle they wanted to trade in, and turn it in to the lender. In the auto industry, this is called ‘kicking the trade’. These dealers are NOT telling people that allowing a repossession will ruin their credit for 7 years. The lender sells the vehicle at auction, and in most states you’re liable for the difference between what it sold for and your balance plus expenses. You no longer have the vehicle, your credit is ruined and you’re responsible for all the money the lender lost. This eats up your future. If you hate your car and owe on it, tough it out, keep driving it and pay off that loan. Get out of the cycle of owing more on vehicles than what they’re worth. Long loans leave you upside down, and paying way too much interest.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.25.20 Personal preparation for economic slowdown; Wells Fargo settlement; Best value supermarkets Feb 25, 2020

    The coronavirus is spreading but know fatality rates are very low. It is creating enormous impact on economies around the world. The U.S. travel industry is hard hit. Airline and cruise line stocks are down and Expedia is laying off 3,000 people. Expect more lay off announcements as part of a response to economic slowdown. It’s unlikely we’ll follow much of the rest of the world into a recession cycle this year, because it’s an election year. But the tremendous job engine we’ve seen in the last 9 years will slow, pause or reverse. This is our signal to do what we can to prepare by getting our finances in order. Rethink impulse purchases. Build up a reserve of cash. Consider how you’d handle fewer work hours or a lay off. We may go into a growth recession, wherein technically the economy is still growing but the job market is weak. This is a yellow caution light moment in the economy. Interest rates are an economic tell more than stocks, and expectations are for lower interest rates moving forward. Look at what you’re spending and what you owe. Think through what you can do to get your finances in order to prepare.


    Wells Fargo committed criminal acts against its own customers for a full generation, with cheating scandals that go back to 1998 according to Federal prosecutors. In the court filing they only admitted to unlawfully misusing customers’ sensitive, personal information. They paid a $3B fine and avoided criminal conviction, prosecution deferred. If Wells Fargo doesn’t engage in anymore such activity over the next 36 months they will not face criminal prosecution. WF engaged in massive ID theft, cheated their auto loan and mortgage customers and cheated their checking and investing customers over a generation and no one is going to prison. If you rob a bank, you get 20 years. But if a bank robs you, the executive leaves with $millions in their private jets for the country club – no jail.


    Around 5 regional supermarket chains have filed for bankruptcy over the last month. Many will disappear. Americans have changed our profile on how we buy foods, now more price focused. Supermarkets at all price points are pushing private labels more than ever. Most feared is Aldi – which is around 93% private label. An industry survey reveals Aldi is the cheapest place to shop, with a 40% price advantage over traditional mainstream supermarkets. Competitors are cutting hours to lower their costs. New England based Market Basket follows, WinCo is 3. Lidl is 4 in pricing followed by Trader Joe’s, a corporate sibling to Aldi. Amazon is also trying to complete. They’ve just opened their first of what they hope to be a chain of cashier free stores. They reportedly intend to sell this technology platform to other retailers to eliminate check-out lines, a convenience for shoppers and cost saver for retailers.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.24.20 Fraudulent tax returns; Get a Real ID; Coronavirus affect on markets Feb 24, 2020

    The IRS has announced they’re going to send out revenue agents to homes and business of people who owe or who have failed to file. Crooks see this as a huge opportunity to impersonate agents and fake demands for money. The IRS is targeting business owners and those who make over $100K a year. But the crooks will go after anyone. The IRS claims their agents will be highly trained and will not require the purchase of any type of prepaid card – which is a scam tipoff. The IRS is short staffed. If someone shows up at your door, the odds are it’s a scamster. A real agent would at most ask for a check made out to the U.S. Treasury. Legit visit or scam, do not be intimidated. Knocking on people’s doors is wrong, mean and stupid. Meanwhile, Tax ID thieves are circumventing the IRS fraud indicators by going for more refunds with lower amounts, going now for hundreds vs. thousands per refund. If you can’t file, you may be a victim of tax ID fraud, and will need to go through a separate, manual IRS procedure to process your return.


    Real ID started 15 years ago with the final deadline repeatedly delayed. After the deadline, you cannot fly without Real ID. Compliant licenses display some form of star logo. Only around 30% of Americans have a compliant license. The Dept. of Homeland Security has a new procedure allowing application online. Individual states will have to design systems to allow this. Flying will require Real ID DL, or a passport, military ID – some form of verified ID. In person DL renewal requires special documentation now. Know what you’ll need before you go or apply online.


    In the wake of spreading illness and loss of life, coronavirus is having a devastating effect of economic activity in concentrated areas of Asia, moving into Europe and Iran. There is potential for continuing spread of this virus. Economic effects are increasingly global. Markets that have been highly valued in the U.S. could see a breather from these inflated values. If coronavirus becomes a risk to health and life in the U.S and Canada, markets will be affected. Keep funding your retirement funds. With dollar cost averaging, a stock market decline in 2020 means you’re buying more shares and should make more money over time as those shares recover. If you’ve got money in savings including online banks, those rates are likely headed lower. For money you won’t need soon, lock your money in a one year CD to preserve a better interest rate with an online bank or credit union, never a traditional bank. Mortgage rates are also in decline, making now a good time to refinance.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.21.20 How to live longer and healthier; Clark Stinks Feb 21, 2020

    Harvard University researchers began a health study in 1980. Time Magazines reports subject lifestyle factors were tracked for 40 years. Healthy lifestyle factors include no smoking, no excessive alcohol, regular exercise, healthy weight and a low-fat, plant-based diet. Findings indicate those who practiced 4 out of these 5 healthy lifestyle choices enjoyed more disease-free years - After age 50, 10 more years for women, 8 more for men. Women's lifespans increased by 14 years, men's by 12. So both quality and quantity of life are enhanced with healthy lifestyles. Diabetes, heart disease and cancer were the areas of risk examined. CA HMO Kaiser Permanente has been testing Samsung heart monitoring watches. Among the 4,000 distributed so far, KP finds that after a year of monitoring, the readmission rate for program members is much improved over non users. Those without monitors were 5 to 8 times more likely to have a recurrence of heart trouble. This monitoring program is set to expand.


    Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.20.20 Side hustles becoming more popular; Car dealerships faking income to sell cars; Extended warranties Feb 20, 2020

    California has passed a law requiring gig employers to classify most workers as employees vs. independents. A Gallup survey reveals this may be a mistake. Over 90% of tax filers have W2 income. One in 4 workers has a side gig in addition, in order to earn more money. Half work extra simply because they want to. More tax filers than ever are working side hustles in addition to regular income. There are cases where large companies lay people off to hire independent workers to avoid paying benefits. But for the most part, we're doing side jobs for the money and by choice, so it's likely best to keep government regulation out of side job classification. Perhaps in trying to do the right thing, California did the wrong thing in this case. Workers are driving the trend in supplemental self-employment. According to the NYT story: "Some politicians and places, like California have sought to curb self-employment, on the theory that employers have created the gig economy in an effort to evade their tax and regulatory obligations. The reality is more complicated."


    It's gotten difficult for dealers to sell vehicles and they're desperate. So fraud on loan applications has become a big problem that could land you - the buyer - in jail. Dealership finance departments are more tempted to put down false incomes, that the buyer unwittingly signs. The WSJ reports nearly 1 in 4 auto loan apps have inflated income numbers to facilitate approval. Remember, you're on the hook if later you can't pay and they say you lied about your income. If you're working a deal, read the paperwork and don't sign your name to a lie on income, because you could end up as a defendant.


    Long time listeners know Clark despises extended warranties. These are peddled mostly on electronics and appliances, but can extend to products like running shoes! Clark has new math on TV warranties, heavily pushed by retailers. UPA and Northwestern University research found that people assume things will break often, so at least 1 in 5 consumers will buy into the "protect your investment" warranty pitch, paying 1/4th the cost of the item extra on average. Over a 6 year period, these researchers tracked 45,000 TV purchases. The fail rate was roughly 5 out of 100. So people are spending 25% more for a 5% fail rate. NOPE. Electronics are far more reliable than we realize. The failure rate on appliances is higher, while the warranty purchase rate is lower. We're not as excited about appliances. Either way, forgo warranties. You're better off paying for repair or replacement than for warranties. These purchases are not investments. They're consumption.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.19.20 Loaning money to friends; Outrageous hospital bills; Cancer rates declining Feb 19, 2020

    Bankrate did a survey on outcomes from lending to family or friends, cosigning for them or giving them your credit card. 4 out of 10 lenders to family and friends report they didn't get paid back. Someone comes to the bank of family or friend because they can't get the money elsewhere, so that borrower is ultra-high risk. There are times we'll give out of obligation or love. Clark's 2 part rule for lending to family or friends: One time only IF you can afford it. And, look at it as a gift, not a loan.


    Clark's been tilting at windmills lately consulting with the hospital industry about billing problems. The industry filed suit against the government ruling to disclose prices up front. Kaiser Health News (KHN) reports on a case of hospital billing that illustrates the problem. The big problem in American healthcare is rapidly escalating hospital prices, and the industry fights so hard against price disclosure in advance. This must be fixed to get costs under control. We need to force hospitals to do the right thing.


    The American Cancer Society reports there's a decline in cancer death rates over one generation and over the past couple of years for specific cancers. In one generation, deaths from lung cancer, which is the deadliest form, declined precipitously. The main reason is a decline in smoking, down to 13%, clearly cause and effect. In addition, there's been great improvement in survivability of lung cancer due to early detection. Smokers are encouraged to be checked out as lung cancer is symptomless in initial stages. Colon cancer deaths are way down due to colonoscopy early detection. The fatality rate is 50% higher in men because men are less likely to see doctors. The survival rates are much higher for women due to early detection. Survival rates are much improved with both breast and prostate cancer. USA Today reports melanoma survival rates are much improved. This good news all starts with each of us getting appropriate checkups and screenings. If you can't remember the last time you saw a medical professional, maybe that's something you need to change.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.18.20 Reverse mortgages are disastrous; Fake high-interest bank accounts; Money-saving travel tips Feb 18, 2020

    Reverse mortgages have been a caller topic for Clark for 2 decades. When people are house rich and cash poor, reverse mortgage -wherein the mortgage company sends you a check every month while you still live in the home, appears to be a solution. Routinely Clark goes through a checklist to determine the severity of the financial situation, and warns of the high fees involved. USA Today investigated the industry, finding many bad players looking to steal people’s homes via foreclosures. This opened a floodgate of people confirming this was their experience. The reverse mortgage market has been dirty forever. Ads with trusted spokespersons lure people into this. There are situations where a reverse mortgage does make sense. But any legit lender has you go through independent third party financial counseling for evaluation to see if reverse mortgage really is appropriate. Have a knowledgeable family member or lawyer review any documents before signing up for a reverse mortgage because of thievery is so prevalent. Shame upon them. They know this is wrong and do not care.


    Special Warning: Ads in print and online for CDs with high interest rates are appearing. But they’re not really CDs and the rates of 4.5 to 5.5% aren’t that high historically. These are NOT CDs, NOT FDIC insured. Your money is at risk. This is a version of a promissory note and many people over the years have been burned by this. Some of these offerings are from crooks, others from fly by night outfits. In either case you can end up losing ALL the money.


    Clark went into the travel agency business at age 25, sold out his chain of agencies at 31 and essentially retired. Circumstances brought him into broadcasting. The industry has changed greatly since he sold his agency in 1987. Travel is much more popular today, and we can book ourselves. But most of us travel infrequently and become bogged down in details when trying to plan travel. See our updated guide to make planning easier, the Clark Howard way. Barring work travel, Clark’s key rule is that everything is driven by finding a deal. By so doing, he has been to every continent except Antarctica. For those with wanderlust – there are so many deals! Follow the bargains, have to guts to go to new places and see the world. Follow deals so great you’ve got to buy them. That’s the Clark Howard way!

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.17.20 Becoming a boring investor; TV's spying on us; What to do after a car accident Feb 17, 2020

    Carl Richards, "Sketch Guy" columnist for the NYTimes, breaks down financial advice to simple sketches and is able to address motivation and how we work against ourselves. Clark is unapologetically dull and believes creating financial security should be dull as well, achieved slow and steady like a turtle. Many are always looking for the big score, the hot tip. So Clark's favorite Sketch Guy message: "The path to long term change is slow, simple and boring". Your investing should be boring so that you can have an exciting life. If your goal is to become a millionaire, if you start in your early 20s, it can be done by retirement. That goal is a heavier lift the longer you wait to start. But you start when you start investing what you can. The earlier you start and the more money you add over time, the more financial security you create for your life. Start early in a Roth or your retirement plan at work.


    Many bought smart TVs on sale over the holidays. Many of these TVs are vulnerable to hackers getting into your home system. Dig out the owners manual and implement a secure password - replacing the default password. You may have brought a potential trojan horse into your home. Secondly, cover up the camera. You do NOT want a hacker able to spy on you.


    What to do after a car accident to ensure your safety and best consider insurance options. Check out Clark's online guide here.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.14.20 Where to get cheap eye exams; Clark Stinks Feb 14, 2020

    Optometrists are independent. Even as they’re renting space in a Costco, Sam’s Club, Walmart or Target – the remain independent. This results in different prices within a retail chain. But as a general rule, the cost of getting a full eye exam and prescription averages around $70. If you go to an optometrist in a traditional office or an ophthalmologist, the price goes up. With a prescription plan through work, a once a year eye exam may be covered with just a copay for most practices.


    Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.


    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.13.20 Insurance companies are ripping teachers off; Bitcoin ponzi scheme; Jobs that don't require a college degree Feb 13, 2020

    Teachers, non-profit workers and some hospital workers are shuttled into inferior 403b retirement plans. 401ks have gotten more affordable with steadily lower costs for employees, lead by Vanguard and Fidelity. Teachers on the other hand get cheated repeatedly. 403b plans are often sold by insurance company sales reps, selling ultra high cost plans often wrapped in annuities. A WSJ investigation has uncovered just how dirty this system is, rife with horrendous kickbacks paid for by the 403b workers without disclosure. Worse still, an analysis reveals the same contributions over time in a typical 401k adding up to $250K in retirement savings, would only yield $155K in a comparable 403b, ravaged by expenses. A private sector 401K with $500K is equivalent to a 403b of $310K - all contributions being equal, typical expenses on both. A 401k One million vs $620K in a 403b having made the same contributions - all because of rip off fees in 403bs. While members of the House and Senate indulge in partisan fits, they could be stopping the rip off of teachers by insurance companies.


    Allegedly, $722 million has been stolen in a cryptocurrency Ponzi known as BitClub Network, which for 6 years solicited funds from would-be investors to go into cryptocurrency mining pools. There were big money incentives to recruit others into the network. 5 men are charged with running a scheme "built off the backs of idiots" - to use their words, NBC reports. Recall the cryptocurrency mania of recent years. That money evaporated as it became hot with con artists. Be careful jumping on bandwagons.


    New federal data shows the change in the nature of work is so extreme, you ignore it at your peril. College is not a normal path in every family. The latest data shows nearly half of all factory workers have a college degree. As recently as a generation ago, factory and manufacturing jobs did not require higher education, but the nature of manufacturing has changed. The manufacturing industry has roared back in the U.S. But employment in this sector is minimal as advanced robotics and computer tech is increasingly engaged. The human jobs in factories now require highly skilled workers with advanced tech educations. Well-paying jobs require thoughtful, strategic levels of education - not necessarily college. The idea that education ends isn't compatible with the pace of technological change. We need to be prepared for the nature of work to steadily morph. To sit still is to fall behind. Stay in an education and training cycle through your working lifetime to maintain career mobility. State technical colleges should design curriculum in concert with what employers are looking for, anticipating where jobs are and where they're going, and offering affordable training for those jobs.

    Learn more about your ad choices. Visit megaphone.fm/adchoices

    2.12.20 Amazon vs Costco; Maxing out your credit cards; Cheap home security options expanded Feb 12, 2020

    Wall Street analysts predicted the demise of Costco Wholesale not that long ago, believing it had no chance against Amazon. But Costco and Sam’s Club are doing well. In fact Costco is booming. People willingly pay membership fees. The Krazy Coupon Lady reports that consistently across items, Costco and Sam’s Club are 10 to 15% cheaper than Amazon. Many use both warehouse clubs and Amazon. Though Costco offers savings, they also offer temptation to buy more. Clark’s answer: Not cart. Hands only shopping limits the purchase and preserves the savings.


    Outstanding credit card debt has gone up roughly 50% in the last 8 years in the U.S. A Wallethub survey reports more than a third of card users have maxed out their credit cards. Another third are afraid of doing so. This is NOT good for your long term financial health. The average card carries an interest rate of 16 – 18%. Buying on credit when you can pay the bill in full monthly is great. But maxing out your credit card costs you big in interest and demolishes your credit score.Seriously think this through before you pull out a credit card and charge it.


    Clark reported on his experience going from a professional home burglar alarm to a self-install system. Clark chose Ring and took 3 hours to install it. Monitoring works out to $8 a month when paid annually. Feedback centered on privacy issues with Ring, owned by Amazon. Back to the drawing board. Independent alternatives are getting good reviews. Google’s Nest and Simplisafe charge around $300 a year for monitoring. Kangaroo - Kangaroo Home Security | Simple and affordable alarms and sensors rotates specials and like Ring, costs around $100 a year for monitoring. Kangaroo’s equipment is comparable, but independent from giant ecosystems. TechHive reviews Minut Smart Home Alarm - a very different system using heat technology. Instead of arming the doors and windows, it senses intruders to trigger the alarm. Minut monitoring is $8 a month, sold around the world – quick and easy to install. Technology is a big disrupter in this industry. Traditional systems have high equipment and monitoring costs and often come with contracts you should never sign.

    Learn more about your ad choices. Visit megaphone.fm/adchoices