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    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:
    05.20.22 Clark Answers His Critics on Clark Stinks / Summer Jobs Galore for Teens May 20, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, jobs are abundant right now for all but the summer employment outlook has never been better for teens. There are jobs aplenty for decent pay. Plus, an important professional courtesy tip from Clark.

    • Clark Stinks: Segments 1 & 2
    • Summer Jobs for Teens: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • AAA IDP International Driving Permit
    • Public Service Loan Forgiveness (PSLF) - Federal Student Aid
    • CURRENT - Put your savings to work with 4.00% APY¹
    • 6 Best Ways To Send Money Online
    • Warning: Never Get Roadside Assistance From Your Insurance Provider
    • What Is a Roth 401(k) and How Does It Work?
    • Should I Get an Umbrella Insurance Policy?

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.19.22 Bogus Financial Advisors Cost You / Cell Phone Plan Deals May 19, 2022

    While investment costs have never been lower, some investors pay really high costs to non-fiduciaries. Clark explains a sneaky trick involving insurance agents posing as financial advisors, and the vital, costly difference between “fee-based” advisors and fee ONLY fiduciaries. Plus - Now is the time to break with cellular inertia and shop great new options that can serve you well and save you large dollars.

    • Fake Wealth Advisors: Segment 1
    • Ask Clark: Segment 2
    • Cell Phone Plan Deals: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Online Brokerage Firms Struggle to Build Loyalty among Pandemic-Era Investors, J.D.Power Finds
    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • What Is a 403(b) and How Does It Work?
    • How to Buy Term Life Insurance in 7 Easy Steps
    • The Best Term Life Insurance Companies
    • AT&T Price Hikes Coming Soon
    • AT&T Raises Prices on Wireless Plans to Address Higher Costs
    • 5 Things To Know Before You Sign Up for AT&T Prepaid
    • Best Cell Phone Plans in 2022: Deals For Every Budget
    • Clark.com CELL PHONES / Clark Deals - Cell Plans
    • Clark.com Consumer Cellular Review: 5 Things To Know Before You Sign Up
    • Kroger Wireless Airtime Plans / MINT Modern Family Plan
    • The Verge: You can now test drive T-Mobile's 5G home internet service
    • T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.18.22 Self-Employed Retirement Planning / Road Trip Auto Maintenance Tips May 18, 2022

    Learn how to save for the future when you freelance, work side hustles or own your own business and don’t have access to a company retirement plan. AND - Neglecting one simple auto maintenance step can cost you big time. Heed Clark before your road trip this summer.

    • Self-Employed Retirement Planning: Segment 1
    • Ask Clark: Segment 2
    • Get Roadworthy: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • What Is a SEP IRA and Who Is Eligible?
    • What Is an HSA Account and How Does It Work?
    • What Is a Solo 401(k) and How Does It Work?
    • Medical Debt A Major Source Of Consumer Complaints, New Report Shows
    • Can a Patient Advocate Help With Your Medical Bills?
    • Clark.com Best Places to Buy Tires
    • Should You Buy Out Your Leased Car?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.17.22 Airbnb: New Rules & Guidelines for Potential Hosts / Profitable College Degrees May 17, 2022

    Party rentals have become a huge problem for Airbnb, so they’re launching an anti-party crackdown. What to expect when booking - and major considerations for potential hosts. Also, there has been a lot of talk lately about student loans and the cost of college. Clark covers which degree programs have the best payback. When you can match your interests with an in-demand high-earning degree - career WIN.

    • Airbnb Guidelines: Segment 1
    • Ask Clark: Segment 2
    • Profitable College Degrees: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • A Simple Way To Help Your Kid Build Credit
    • Should You Redeem Credit Card Points for Travel Rewards or Cash Back?
    • How To Cancel Private Mortgage Insurance Years Ahead of Schedule


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.16.22 Entrepreneurs: Being Your Own Boss / Control: Vehicle A.I. Tracking Drivers May 16, 2022

    If you feel you can serve a need in the marketplace, this is a golden era for entrepreneurs. Clark discusses the many considerations involved in starting your own business. Also, the number of people injured or killed in road accidents has gone way up. A.I. technology can prevent or reduce the severity of accidents, which involves driver tracking & control - now mandated in parts of Europe. Auto Insurance tracking is a different matter. Clark’s take on the implications of fast moving tech which - in solving one problem - may create another.

    • Entrepreneurs: Segment 1
    • Ask Clark: Segment 2
    • Vehicle A.I. Safety Tracking: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Save Money on Merchant Processing Fees
    • Creative Destruction Definition - Investopedia
    • How and When To Cancel a Credit Card
    • 5 Sneaky Ways To Improve Your Credit Score


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.13.22 Clark Answers His Critics on Clark Stinks / Travel Warnings May 13, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And - Clark has a scam warning & rip off alert about travel booking, and a heads up about an emerging airline practice you need to be aware of.

    • Clark Stinks: Segments 1 & 2
    • Travel Warnings: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Apple Credit Card Review: Earn Cash Back on Tech Purchases
    • Why Clark Howard Shifted to a Digital Wallet and You Should Too
    • 10 Ways To Save on Prescription Drugs
    • Dollar Cost Averaging Makes You a Fortune Over Time
    • Latest Wills & Funerals
    • How To Find and Choose a Financial Advisor


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.12.22 Education: Going The Distance / Google’s New Privacy Tool May 12, 2022

    College isn’t the only path to success. Clark summarizes the skills education landscape including Google IT training programs. But for many, college is the path to career fulfillment. Why many are dropping out today, and ways to go the distance at lower cost and get that degree. Clark also talks about internet privacy and U.S. tech giants’ initiatives vs. Europe’s Right to Be Forgotten. Now there’s a way to opt-out of having your personal information searchable on Google.

    • College Dropout Rate: Segment 1
    • Ask Clark: Segment 2
    • Google Privacy Tool: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 4 Steps To Stop Google From Showing Your Personal Information
    • The Top 5 Benefits of Community College
    • 9 Ways To Pay for College Without Student Loans
    • Where Do I Look for Affordable and Legitimate Online Schools?
    • 7 Things to Know About Amica Insurance
    • Best and Worst Home Insurance Companies
    • Submit a complaint | Consumer Financial Protection Bureau


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.11.22 SAVE MORE: Reduce Energy Consumption / Diamonds Are Cheaper Forever May 11, 2022

    The cost of solar is down 80% from a decade ago - a way to defray energy cost, along with ultra efficient HVAC systems coming soon. Ways to reduce energy consumption now include LED light bulbs, adequate insulation and smart thermostats. Also - lab created diamonds are taking off and for a very beautiful reason.

    • Energy Consumption: Segment 1
    • Ask Clark: Segment 2
    • Lab Created Diamonds: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How To Save Money on Utilities
    • How To Extend the Lives of These 5 Major Appliances
    • Driveway: 5 Things To Know Before You Buy or Sell a Car Online
    • 7 Places to Get the Best Deals on Lab-Created Diamonds
    • How to Buy Term Life Insurance in 7 Easy Steps
    • Best Investment Companies for Investors in 2022
    • What Is a Spousal IRA and What Are the Rules?
    • Best Balance Transfer Credit Cards: Top Picks for 2022

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.10.22 Medicare Disadvantage Plans / An ARM & a Leg: Adjustable Rate Mortgages May 10, 2022

    Two special warnings this episode - The first deals with confusion around Medicare Advantage plans, a choice many regret. Heed this warning if you or a loved one is approaching age 65. Plus, an alarming trend in mortgages and a Clark smart hard & fast rule to follow.

    • Medicare Disadvantage Plans: Segment 1
    • Ask Clark: Segment 2
    • Adjustable Rate Mortgages: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • AT&T Price Hikes Coming Soon
    • AT&T Raises Prices on Wireless Plans to Address Higher Costs
    • AT&T raises prices of some mobile plans by $6 per month
    • Best Cell Phone Plans in 2022: Deals For Every Budget
    • Clark.com - CELL PHONES
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Should I Get Pet Insurance?
    • Should I Get a Second Mortgage?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.09.22 The Wawa Wow Factor / Inflation Supermarket Strategy May 09, 2022

    The big runup in gas is getting people more focused on where they buy. The market is becoming dominated by independent retailers, not the traditional oil companies. The forward thinking growth of Wawa includes charging stations. And where and how you shop for groceries makes a big difference too. Clark shares what’s getting more pricey and what’s not, and strategies for all to save on groceries, including sharing initiatives.

    • Wawa Expansion: Segment 1
    • Ask Clark: Segment 2
    • SAVE on Groceries: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • These 10 Groceries Items Are Getting More Expensive
    • 22 Ways To Save Money on Groceries
    • Report: The Best and Cheapest Grocery Stores
    • Credit card companies adjust merchant fees. Consumers may pay the price
    • Turn off the debit function of your debit card
    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • Bluebird named best banking alternative


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.06.22 Clark Answers His Critics on Clark Stinks / Alternative Private Equity Investments May 06, 2022

    Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, you may be offered alternative investments from your brokerage house - private equity investments. They aren’t just for the ultra rich anymore. Why you should proceed with caution.

    • Clark Stinks: Segments 1 & 2
    • Alternative Investments: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • What Is a 403(b) and How Does It Work?
    • Sleep Like The Dead : Independent and Unbiased Sleep Advice
    • Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
    • Investor Tips: Promissory Note Fraud - SEC.gov
    • Amazon Prime Rewards Visa Review: 5% Back for Prime Members
    • Clark.com - Home Internet
    • Starry Internet | The Internet Service Provider You'll Love


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.05.22 Better Savings Rates - Zero Risk / BEST Baby Formulas May 05, 2022

    In addition to Series I Savings Bonds - Clark explains a Treasury Direct program as another risk free way to earn more on your idle cash. And - What every parent of young children should know: A new study out reveals the best baby formulas for both quality and price,

    • Better Savings Rates - Zero Risk: Segment 1
    • Ask Clark: Segment 2
    • BEST Baby Formulas: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
    • TreasuryDirect - Home / SavingsBonds.gov
    • How To Prevent, Report and Repair Identity Theft
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Turo: 5 Things To Know About the Cheap Car Rental Service
    • These Credit Cards Offer Car Rental Insurance Benefits
    • Mortgages Archives - Clark Howard
    • Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
    • Best Cash Back Credit Cards: Top Picks for 2022


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.04.22 Bitcoin in 401(k)s / Tipping Point: Navigating Ubiquitous Tip Requests May 04, 2022

    Fidelity. one of the largest and most innovative administrators of 401(k)s, is now offering Bitcoin in 401(k)s as an option for employers to add. Clark explains why this is risky, speculative and not ready for prime time. Also, tipping pressure in all new places has spread all over the country. Is this just maddening or are we finally giving employees their due?

    • Bitcoin in 401(k)s: Segment 1
    • Ask Clark: Segment 2
    • Tipping Point: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Should You Sell or Stay Put in the Stock Market?
    • How to Switch Banks in 4 Simple Steps
    • Investor Tips: Promissory Note Fraud - SEC.gov
    • Account Takeover Protection by T-Mobile
    • How To Find and Choose a Financial Advisor

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.03.22 Student Loan Forgiveness / Zelle is Dangerous - A Clark Directive May 03, 2022

    Clark clears confusion surrounding new loan forgiveness, We’re approaching $2 trillion in outstanding student loan debt. Clark talks about how general policy should be surrounding student loans moving forward. Also, Zelle is a monster bank creation causing widespread financial hardship, getting the pushback it deserves. Clark describes how Zelle came about, the increasing problems now, and has a special directive for you no matter where you bank.

    • Student Loan Forgiveness: Segment 1
    • Ask Clark: Segment 2
    • A Zelle Assignment: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • NATIONAL TEACHER APPRECIATION DAY
    • Best 529 College Savings Plans By State
    • Target RedCard Credit Card Review: Earn 5% Back on Purchases
    • The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    05.02.22 Vacation Rental Surprise Fees / Extra Home Energy Savings May 02, 2022

    From hotels to Airbnb, the tactic of unbundling to hide junk fees has worked. People go for a low headline price, only to be charged more. Clark helps you navigate booking so you see the true price. Also, besides reducing costs for heating and cooling, there’s another area for energy savings. Free and easy ways to help cut your energy bill.

    • Vacation Rental Surprise Fees: Segment 1
    • Ask Clark: Segment 2
    • Extra Home Energy Savings: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • See the true cost of your stay with Marriott's 'all in' pricing button
    • The Best Smart Plugs and Power Strips for 2022 | PCMag
    • 5 Things To Do Before You Sign Up for a Free Trial
    • 6 Things to Know About International Driver’s License (a.k.a. International Driving Permit)
    • How To Save Money: 35 Ways To Reduce Expenses


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.29.22 Clark Answers His Critics on Clark Stinks / Credit Bureau Cons Apr 29, 2022

    Clark Stinks day - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Credit bureau dirty tricks of the trade include conning consumers into paying for unnecessary subscriptions or info required by law to be free. Learn how that game is played, and what to know about credit freeze and credit reports.

    • Clark Stinks: Segments 1 & 2
    • Credit Bureau Cons: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 2 ways to guarantee yourself a lifetime stream of income
    • Longevity Insurance Is a Smart Buy at Retirement
    • Should I Buy A Guaranteed Life Annuity With My 401(k) Money To Avoid Market Downturns?
    • 7 Things To Know About Costco Pharmacy
    • 4 Things To Know Before You Buy a Digital TV Antenna
    • How To Watch Local Channels Without Cable
    • Clark.com How To Get a Free Credit Report
    • Clark.com How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • How To Prevent, Report and Repair Identity Theft


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.28.22 Entrepreneur Thrives Offering More For Less / Warning: Credit Card Spending UP! Apr 28, 2022

    A small company owned by an individual now sells 1 in 6 ready to drink ice teas in the U.S. This entrepreneur is bucking the system, maintaining a price point even as costs rise - holding to a business model that sets the brand apart. And - American charge volume on existing cards has gone up 25% over the last year, a reverse from pandemic pay offs - at a time of rising interest rates. Are you running balances you can’t pay off? Time to face the charges… Clark can help.

    • Brand WIN-Charging Less: Segment 1
    • Ask Clark: Segment 2
    • Credit Card Spend Spiral: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Dollar Tree Is Raising Some Prices Above $1
    • Battleface Travel Insurance
    • Why you need to turn paper statements back on
    • How Many Credit Cards Is Too Many?
    • How To Prevent, Report and Repair Identity Theft
    • T-Mobile Money: 5 Things To Know
    • Wills & Funerals Archives - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.27.22 Housing Dilemma: To Buy or To Rent / A Social Media Lesson for Business Owners Apr 27, 2022

    Home prices remain inflated and mortgage rates are the highest in 11 years, making for an extremely difficult spring buying & selling season. Prices vary by metro area and there are places where - even today - it can make sense to buy. And from the labor force - This generation of workers speaks out and tone-deaf corporate bureaucracies would do well to listen. One of the fastest growing retailers in the US is getting hammered on social media for how they treat their workers - A warning for all business owners.

    • Housing Dilemma: Segment 1
    • Ask Clark: Segment 2
    • Word to Business Owners: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Does Making Your Mortgage Payments Early Have Any Benefit?
    • Use These Tips To Pay Off Your Mortgage Early
    • Homeowner Groups Seek to Stop Investors From Buying Houses to Rent
    • Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
    • Your rights when dealing with debt collectors


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.26.22 Buying A Home Sight Unseen / Costco's Secret To Success Apr 26, 2022

    People are buying homes sight-unseen. Clark conveys how this practice worked out 15 years ago, and now the stakes are much higher. Learn Clark’s new strategic advice on home buying in today’s hot housing market. Also, Costco Wholesale is a hit with the stock market, their employees and customers. What’s their secret? Hear why Wall St. used to hate their business model, but loves it now!

    • Buying A Home Sight Unseen: Segment 1
    • Ask Clark: Segment 2
    • The Costco Success Story: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Should I Buy a House in This Crazy Real Estate Market?
    • The easy way to pay off your credit card debt in a quarter of the time
    • The TSP Mutual Fund Window Will Be Expensive

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.25.22 Boomer Retirement / Financial Education Apr 25, 2022

    The average Baby Boomer faces retirement with no pension and inadequate savings. Plus many got pushed out of work during the pandemic. Clark has two recommendations. Also, roughly half the nation’s states now require personal finance classes, teaching kids the basics - and the dangers of student loan debt. But financial education can start any time and is ongoing as you build your future. Clark helps you get started.

    • Boomer Retirement: Segment 1
    • Ask Clark: Segment 2
    • Financial Education: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • When Is the Best Time To Collect Social Security?
    • How to Start Investing and Saving for Retirement
    • Ethanol Fuel Basics - Alternative Fuels Data Center
    • Best Rewards Credit Cards: Top Picks for 2022
    • Best Travel Credit Cards: Top Rewards Picks for 2022
    • Why You Should Never Invest With a Bank
    • Best Cash Back Credit Cards: Top Picks for 2022
    • Select Sam’s Club Customers Can Save BIG on Gas Purchases in April
    • Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases
    • What Is a 403(b) and How Does It Work?
    • 403bwise :: The K-12 403(b) is broken. Together we can fix it.


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.22.22 Clark Answers His Critics on Clark Stinks / Current Saving & Investing Strategy Apr 22, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Then Clark discusses a wise approach to market volatility, where to park savings for the best rate moving forward and Series I Savings Bonds.

    • Clark Stinks: Segments 1 & 2
    • Current Saving & Investing Strategy: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 5 Things To Know About Series I Savings Bonds - SavingsBonds.gov
    • What Is an HSA Account and How Does It Work?
    • Food Expiration Dates: What You Need To Know
    • Do Not Give Your Social Security Number at These Places
    • Emergency Fund Complete Guide: How Much & Where

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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

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

    04.21.22 F-150 Lightning Strikes the Car Market / New Money Saving Cell Phone Plans Apr 21, 2022

    Monday’s launch of the F-150 Lightning marks an inflection point in the evolving vehicle market. Clark gives an overview of the market now, and where we’re headed. Also, new cell phone offerings can save you big bucks! There’s a new low price leader for family plans well worth checking out. Google Fi Price Drops: Unlimited for As Low as $20 per Line

    • F-150 Lightning Launch-Auto Overview: Segment 1
    • Ask Clark: Segment 2
    • New $ Saving Cell Phone Plans: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • A Cheaper Netflix Subscription May Be on the Horizon
    • Clark.com Streaming TV Guide
    • The 5 Best Health Insurance for College Students in 2022
    • GOOGLE FI - Choose the right plan for you
    • Clark.com Review: Google Fi Review: Things To Know Before You Sign Up
    • Clark.com Cell Phone Guide Updated Every Month!
    • The Best Ways To Protect Yourself Against Airline Cancellations
    • File a Consumer Complaint | US Department of Transportation
    • What Is a Financial Advisor and Do I Need One?

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.20.22 Investing: Real Estate vs. Stocks / Work From Home Expenses Apr 20, 2022

    Clark weighs in on an old debate: Which is the better investment - rental property or stocks? Learn the pros and cons of each. Also, a WFH question is brewing: Should employers pay work from home expenses? Should you expect your employer to foot the bill for any of your costs?

    • Real Estate vs. Stocks: Segment 1
    • Ask Clark: Segment 2
    • WFH Expenses: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Pet owners, stores facing canned food shortage
    • Baby-Formula Shortage Prompts Rationing at Target, Kroger, Walgreens and CVS
    • What Are Index Funds?
    • A strong password isn’t enough | Here’s the best way to protect your online accounts
    • Best Mattress Buying Guide 2022 - Consumer Reports
    • Novaform 14" Comfort Grande Plus Gel Memory Foam Mattress Medium


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.19.22 Company Training Programs / A Cash App Data Breach Warning Apr 19, 2022

    An upside to the labor shortage: taking your pay rate higher. Walmart’s truck driving program is just one example. But there’s something you should know about company training programs touted as “free” in various industries. Also, the CashApp data breach is huge. What information the criminals have is disturbing but there’s a Clark smart way to protect yourself.

    • Company Training Programs: Segment 1
    • Ask Clark: Segment 2
    • Cash App Warning: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
    • Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem.
    • Alaska Airlines - Flight Pass

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.18.22 Gadget Management: Selling Electronics / Back To Basics: Your Inflation Budget Apr 18, 2022

    We tend to cycle through electronic devices too fast. Do you have old phones & other devices sitting in a drawer? Clark has advice for selling them, a subscription warning - and a general rule on how long to keep electronics. Also - High inflation doesn’t necessarily make you a sitting duck. We’re getting squeezed from all sides. Clark offers 5 steps to better budgeting & this rule to live by: It’s what you DON’T spend that counts over time.

    • Gadget Management: Segment 1
    • Ask Clark: Segment 2
    • Your Inflation Budget: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Clark.com The Best Places To Sell Your Cell Phone
    • When Will Gas Prices Go Down?
    • BBB-File a Complaint
    • 3 Free or Cheap Medical Alert Systems for Seniors
    • Latest Investing & Retirement
    • Free Budget Worksheet: The CLARK Method to Create a Monthly Budget
    • How to Budget With a Cash Envelope System
    • Google Sheets: The Free Budgeting Tool You Probably Haven't Tried
    • 6 of the Best Budgeting Apps in 2022
    • Budgeting Basics: What You Need to Know to Get Started
    • 5 Ways To Start Living Below Your Means
    • Ask Clark: What Is a Backdoor Roth IRA?
    • How to Set Up a Backdoor Roth IRA - Investopedia
    • When Will Car Prices Go Down?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.15.22 Clark Answers His Critics on Clark Stinks / New Debt Collection Tactics & Your Rights Apr 15, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, debt collectors may soon be sliding into your texts, emails & direct messages on social media. Clark lets you know what your rights are.

    • Clark Stinks: Segments 1 & 2
    • Debt Collection & Your Rights: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • FIDELITY Security Overview
    • Use these security keys to lock down your computer and protect your personal info
    • SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know
    • The Points Guy - Maximize your travel.
    • Your rights when dealing with debt collectors
    • The Statutes of Limitations on Debt Collection by State
    • What to Do When You're Being Harassed About an Old "Zombie Debt"
    • How To Send a 'Drop Dead' Letter to a Collection Agency
    • Term Life vs. Whole Life Insurance: Understanding the Difference
    • Fidelity Investments Review 2021: Pros & Cons


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.14.22 Housing Market Decisions / Energy Outlook & Strategy Apr 14, 2022

    Clark lends perspective on today’s surging housing prices and mortgage rates and offers clear guidelines for making a homebuying decision in this difficult market. And for home buyers considering an ARM - a Clark warning. Also, as war in Ukraine affects the global energy market, the U.S remains the world’s largest energy producer. The expected economic impact at home, our energy future, and what we can control right now to save more.

    • Housing Decisions: Segment 1
    • Ask Clark: Segment 2
    • Energy Outlook & Strategy: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Should I Buy a House in This Crazy Real Estate Market?
    • How To Save for a House
    • The #1 thing you can do right now to save on energy bills
    • How To Save Money on Utilities
    • Clark Howard's 5-Step Guide To Lowering Your Monthly Bills
    • How To Save Money: 35 Ways To Reduce Expenses
    • How to Book the Best and Safest Airbnb

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.13.22 Order Up: Behold The RoboBurger / Millions Lost in Heinous Gift Card Scams Apr 13, 2022

    RoboBurger is here! The restaurant industry must adapt to labor shortage conditions. Clark discusses how part of the solution is robotics offering machine made food and convenience. Also, props to Walmart on developing scam busting software, ultimately recovering $4 million in gift card fraud targeting the elderly. That’s a fraction of the losses caused by this long running scam and its mutations. Heed Clark’s special warning for you and your loved ones.

    • Order Up: The RoboBurger: Segment 1
    • Ask Clark: Segment 2
    • Elder Fraud: Gift Card Scams: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Best Travel Credit Cards: Top Rewards Picks for 2022
    • Best Rewards Credit Cards: Top Picks for 2022
    • Clark.com - CREDIT CARDS
    • The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
    • 5 Sneaky Ways To Improve Your Credit Score
    • Business & Entrepreneurs Archives - Clark Howard - SCORE: Homepage


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.12.22 Special Guest: MARK CUBAN on his new CostPlus Drug Company Apr 12, 2022

    Mark Cuban has taken on the pharmaceutical industry. Clark discusses what he hopes to accomplish with the Mark Cuban Cost Plus Drug Company and how it can help consumers save more. Will Mark Cuban’s New Prescription Company Really Save You Money?

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.11.22 Navigating Airline Chaos / Wanted: Your Spare Change Apr 11, 2022

    As people return to travel, the airlines are caught with staff shortages in all positions, canceling thousands of flights in the past few weeks. Clark has several strategies to help get you where you’re going. Plus - got coins laying around? You can help yourself and businesses at the same time. Coin Shortage: What To Do With Your Old Coins

    • Flight Plan Strategies: Segment 1
    • Ask Clark: Segment 2
    • Wanted: Your Spare Change: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Follow These Tips if an Airline Reschedules Your Flight
    • 5 Things To Do if You Need To Book a Trip This Summer
    • Auto Europe: Europe Car Rentals $6/day! Best Rate Guarantee
    • Looking for Coinstar Alternatives? Check Your Local Credit Union
    • How Much Should You Have Saved for Retirement by Now?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.08.22 Clark Answers His Critics on Clark Stinks / Housing Solutions: ADUs Apr 08, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 20% of Americans now live in multi-generational households. A real opportunity that deals with the extreme housing shortage: Accessory dwellings or ADUs. Clark explains the multiple benefits this kind of dwelling can provide.

    • Clark Stinks: Segments 1 & 2
    • Housing: ADUs: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Accessory dwellings get another look in tight housing market
    • 5 Steps To Getting a Good Deal on a Hotel Room
    • International Travel Tips: 26 Things to Know Before Going Overseas
    • Is an extended warranty ever worth it?

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.07.22 Hiring a Fiduciary Financial Advisor / Reducing Food Waste Apr 07, 2022

    Financial advisors - even if you think you have a good one, you may be spending way more money than you need to. Clark makes it clear how the industry plays the game and how to protect yourself when you put your money to work. Also, we throw away a staggering 40% of the food we buy in the U.S. With grocery prices high - understanding product dates and what you should & should not pay attention to can = $avings.

    • Fee Only Fiduciaries: Segment 1
    • Ask Clark: Segment 2
    • Food Exp. Dates: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Best Investment Companies for Investors in 2022
    • Fidelity Personalized Planning & Advice Review
    • Vanguard Personal Advisor Services Review
    • Schwab Intelligent Portfolios Premium Review
    • Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
    • What Is a 403(b) and How Does It Work?
    • 403bwise :: The K-12 403(b) is broken. Together we can fix it.
    • Food Expiration Guide - Clark Howard
    • Live TV Streaming Channel Tool


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.06.22 Best Printers of the Year / E-Bikes & Scooters - Gas Alternatives for Getting Around Apr 06, 2022

    Clark discusses how to choose a printer for work or home, considering your usage and the high price of ink! Consumer Reports has updated the best deals on printers. Also, high gas prices have driven up the popularity of scooters and e-bikes. What to know about using these alternatives.

    • Best Printer For You: Segment 1
    • Ask Clark: Segment 2
    • E-Bikes & Scooters: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Can YouMail Really Put an End to Robocalls?
    • What Is an HSA Account and How Does It Work?
    • Should You Buy an Extended Warranty on Your Car?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.05.22 The New Nature of Work & Opportunity / Top 10 Tax-Friendly States Apr 05, 2022

    The pandemic reassessment of work continues to evolve, with many older workers returning to phased retirement jobs. Clark discusses the flexibility now required of both employers and workers, and the outlook for entrepreneurs. Also, the 10 states with lowest overall tax burden on middle income earners, including income, sales, & property taxes.

    • The New Nature of Work: Segment 1
    • Ask Clark: Segment 2
    • Tax-Friendly States: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How To Build Credit
    • The 10 Most Tax-Friendly States for Middle-Class Families
    • How To Open a Roth IRA
    • Top Travel Deals - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.04.22 College Decisions & Direction / High Travel Cost Strategies Apr 04, 2022

    Clark explains why you shouldn’t freak out if you get rejections from the colleges of your choice. And what to know about middle skills education and career paths. Plus, Summertime travel blues: Clark talks ways to get a deal despite rising prices & how to navigate a time when travel prices have gone crazy. Learn Clark’s prime travel rule and “the August rule”.

    • College Decisions: Segment 1
    • Ask Clark: Segment 2
    • Beat High Travel Costs: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 9 Ways To Pay for College Without Student Loans
    • Best Credit Card Welcome Bonuses for 2022
    • Breeze Airways, Avelo Airlines Announce New Routes
    • JetBlue has cut or paused 27 routes for the summer amid labor shortages and high fuel prices – see the full list
    • Clark.com Coming Soon: Southwest Will Have a New Way To Get Cheap Airfares
    • Want to see Yosemite in peak season? Reservations open Wednesday
    • World Airline Star Rating by Skytrax

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    04.01.22 Clark Answers His Critics on Clark Stinks / Rising Interest Rates Apr 01, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses how to make the most of the Fed raising rates, covering credit card debt, HELOCs & mortgages, student loan rates - and the most important thing to do in a time of rising interest rates.

    • Clark Stinks: Segments 1 & 2
    • Rising Interest Rates: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 5 Things To Know About Series I Savings Bonds
    • Home equity loans & lines of credit: 7 common questions answered
    • Should I Pay a Company To Lock Down My House Title or Is It a Scam?
    • 3 Things to Know Before Buying Owner's Title Insurance


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.31.22 Shop Till You Drop INFLATION Costs / DANGER: QR Codes Mar 31, 2022

    Clark shares back to basics info on how to shop wisely and tell what’s truly a deal and what is not - including Clark’s Amazon rule. Also, why you should be wary of scanning QR codes - A Clark scam warning.

    • Know Real Deals to Beat Inflation: Segment 1
    • Ask Clark: Segment 2
    • DANGER: QR Codes: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How You Can Use Unit Price to Save Money When Shopping
    • 20 Ways To Save on Amazon
    • Boarding the Plane FAQ | Southwest Airlines
    • Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.30.22 Colleges Ripping Off Veterans / New Streaming TV Savings. Mar 30, 2022

    Clark has a special RIP OFF ALERT concerning veterans and members of our military seeking to further their education. AND - STREAMING TV: new streaming choices can save you big money.

    • Colleges Ripping Off Veterans: Segment 1
    • Ask Clark: Segment 2
    • New Streaming TV Savings: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Why Commercials Are Coming to the Biggest Streamers
    • Live TV Streaming Channel Tool
    • Best 529 College Savings Plans By State
    • Avalanche vs. Snowball: Which Debt Payoff Method Is Best?
    • 6 Steps To Eliminate Credit Card Debt in 3 Years or Less
    • Travel Archives - Clark Howard

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.29.22 Affordable Cities For Renters / Where The Deals Are. Mar 29, 2022

    The pandemic has changed costs of living around housing and transportation. Americans are on the move again. This is a time when you can do a full reset for your life, career and your wallet. This tool helps you find a place to live based on your budget. AND - Not everything is going up in price. Clark reveals opportunities in the marketplace.

    • Affordable Cities For Renters: Segment 1
    • Ask Clark: Segment 2
    • Where The Deals Are: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • New Report: Cheapest Cities for Renters
    • FurnishedFinder Warning: Payment is not through the platform & thus more subject to scams
    • A strong password isn’t enough | Here’s the best way to protect your online accounts
    • New recommendation for cash on hand: $2500 per household in small bills
    • ClarkDeals - Laptops / ClarkDeals - TVs
    • 5 Things To Know About Series I Savings Bonds
    • Dollar Cost Averaging Makes You a Fortune Over Time
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • Is your home underinsured if disaster strikes?
    • Homeowners Insurance Archives - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.28.22 Clark’s Consumer Fight for His $ / Changes: Medical Debt & Your Credit Mar 28, 2022

    Clark shares 2 new cell phone deals and then explains how he fought a 6 month battle for his wallet, and finally won. Also, Clark clears up confusion surrounding credit reporting changes on the way… A huge roadblock to good credit is being modified.

    • Clark’s Consumer Fight: Segment 1
    • Ask Clark: Segment 2
    • Medical Debt & Your Credit: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • New AT&T Value Plus Plan: $50 per Month for Unlimited
    • 9to5Mac: T-Mobile introduces new $10/month prepaid plan, boosts data caps for other tiers
    • BBB-File a Complaint
    • Equifax, TransUnion and Experian will soon stop counting medical debt in credit reports — now, for the bad news
    • What You Can Do About Medical Debt
    • iPhone vs. Samsung: Which Holds Its Value Better?
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Automatic Bill Pay: How It Works and How to Do It Safely
    • Is Amazon Prime Worth It for You? Take This Quiz To Find Out!
    • Clark Howard: Habitat for Humanity - Clark Howard
    • Habitat for Humanity: History - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.25.22 Clark Answers His Critics on Clark Stinks / Summer Car Rentals Mar 25, 2022

    Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the state of car rental rates with predictions and tips for getting a good deal this summer.

    • Clark Stinks: Segments 1 & 2
    • Summer Car Rentals: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Earthquake Coverage - The Really Big One
    • Medical Receipts: HSA-Compatible FSA Expenses | WageWorks
    • What Is an HSA Account and How Does It Work?
    • 19 Ways To Save at Walmart
    • Do Not Give Your Social Security Number at These Places
    • Are You Following Clark's Maximum Auto Loan Length Rule?
    • 6 Steps To Getting the Best Car Rental Deal
    • Turo: 5 Things To Know About the Cheap Car Rental Service
    • Why You Need To Book Your Summer Travel Now
    • Follow Clark Howard's #1 Rule to Travel Cheap


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.24.22 TAXES: Refunds & Free Filing / TRAVEL: Airline Miles & Hotel Points Mar 24, 2022

    Clark talks taxes including why you should check your refund whether you’ve filed yet or not, and free filing. Also - Travel Riddle: when should you use your airline and hotel reward miles and points?

    • TAXES: Refunds & Free Filing: Segment 1
    • Ask Clark: Segment 2
    • TRAVEL: Airline Miles & Hotel Points: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Submit a complaint | Consumer Financial Protection Bureau
    • ReportFraud-FTC.gov - Consumer Product Safety Commission
    • FCC Complaints - Federal Communications Commission
    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
    • Best Travel Credit Cards: Top Rewards Picks for 2022
    • How to Avoid Romance Scams - Clark Howard
    • Health Insurance Archives - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.23.22 Here’s To The Four Day Workweek / The Death of Overdraft Fees Mar 23, 2022

    Word to employers: We’re in an experimental, reset time for employees. Flex schedules and 4-day workweeks are well worth considering to improve efficiency and retention - and they’re catching on. Also, how the overdraft fee game has been played and how bank competition means game over!

    • The 4 Day Workweek : Segment 1
    • Ask Clark: Segment 2
    • The Death of Overdraft Fees: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • mySocialSecurity: The Free Account Everyone Needs To Set Up Before Retirement
    • Best home battery 2022: Top battery backup systems
    • Employee Stock Purchase Plan (ESPP) - Investopedia


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.22.22 Summer Jobs / In Praise of a Big Bank! Mar 22, 2022

    Opportunity knocks this summer! Whether you’re a teacher, student, or just looking to make extra money, the marketplace has taken minimum wages up and up. And parents, if you can, offer some type of match and open a Roth to incentivize the saving habit for your working teen. Meanwhile, a Giant Monster Mega Bank has done something great - really! Bank of America has a great new security center tool to help protect customer accounts.

    • Summer Jobs: Segment 1
    • Ask Clark: Segment 2
    • In Praise of a Big Bank!: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • BOA helps its customers protect their accounts
    • Do Not Give Your Social Security Number at These Places
    • How to handle money when you're traveling overseas
    • Why Clark Howard Shifted to a Digital Wallet and You Should Too
    • 7 Free Video Call Services To Keep You Connected
    • What Is the Best Way To Keep Track of My Mortgage Payments?
    • 5 Sneaky Ways To Improve Your Credit Score


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.21.22 Current Strategies for the 2 Biggest Purchases: Auto & Home Mar 21, 2022

    Clark offers direction for car buyers of both new and used vehicles in the market now as shortages persist. Also, Clark explains the challenges and considerations of buying a house under current market conditions.

    • Buying a Vehicle: Segment 1
    • Ask Clark: Segment 2
    • Buying a House: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Should I Buy a Used Car, New Car or Lease Right Now?
    • How to Buy a Used Car in 7 Steps
    • Clark’s Unusual Tip if You Need To Buy a New Car Right Now
    • How to Buy a New Car in 5 Steps
    • The Best Car-Buying Services in 2022
    • The Best Credit Cards With No Foreign Transaction Fees
    • International Travel Tips: 26 Things to Know Before Going Overseas


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.18.22 Clark Answers His Critics on Clark Stinks / Going From a Traditional to Roth 401(k) Mar 18, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, If you’ve had a traditional 401(k) and now access to a Roth 401(k), Clark answers questions on handling both.

    • Clark Stinks: Segments 1 & 2
    • Traditional to Roth 401(k): Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 401(k) Rollover: What You Need To Know & Options
    • Ask Clark: Should I Convert a Traditional IRA to a Roth IRA?
    • Why You Do Not Want To Get a Big Tax Refund Check
    • Is a Safe Deposit Box Really Safe?
    • The National Domestic Violence Hotline
    • 3 Things To Consider Before You Get Solar Panels
    • How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.17.22 Saving-Spending Reset / Tax Records: An Overview Mar 17, 2022

    Historically Americans are the worst savers but many improved during lockdown. Now, many are saving less and taking on more debt. Clark offers direction for resetting your goals. Plus, Tax time and Clark has info on what documents to keep and for how long, including property and business records.

    • Saving-Spending Reset: Segment 1
    • Ask Clark: Segment 2
    • Tax Records: An Overview: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Clark.com - CELL PHONES
    • 5 Things to Know Before You Sign Up for Cricket Wireless
    • Which Documents Should You Keep and for How Long?
    • Follow Clark Howard’s #1 Rule to Travel Cheap
    • A Retired Travel Agent's Secrets for Getting the Best Travel Deals
    • Should You Buy Out Your Leased Car?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.16.22 Special Edition: Gasoline & Home Energy Prices Mar 16, 2022

    Clark discusses how the war in Ukraine is affecting us all with higher energy prices, from gasoline to home energy. Learn steps you can take right now to mitigate your costs.

    • Gasoline Prices: Segment 1
    • Ask Clark: Segment 2
    • Home Energy Prices: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 23 Ways To Save Money on Gas
    • You can still find 'cheap' gas — if you know where to look
    • [The Washington Post] Stop speeding, get the junk out of your trunk, and other strategies to save money at the gas pump
    • 5 Things To Know About Series I Savings Bonds
    • How to Save Money on Utilities
    • Best Online Banks: Free Checking and High-Interest Savings Accounts
    • How Much Cash Should You Keep at Home in Case of Emergency?
    • Dollar Cost Averaging Makes You a Fortune Over Time
    • Should You Sell or Stay Put in the Stock Market?

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.15.22 Student Loan Forgiveness Corrected / Hearing and Vision Apps Mar 15, 2022

    Student loan forgiveness was a promise made 15 years ago to those going into public service. That promise was broken repeatedly. Clark explains what went wrong, and what’s going right now. Student loan forgiveness is much easier through September. Meanwhile, noticing possible hearing or vision problems? There are some new, convenient and often free ways to do initial testing at home - apps that can serve as an early warning system.

    • Revisit Student Loan Forgiveness: Segment 1
    • Ask Clark: Segment 2
    • Hearing and Vision Apps: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
    • Student Loans, Forgiveness | U.S. Department of Education
    • Borrower Defense Loan Discharge - Student Loan Forgiveness | Federal Student Aid
    • Best 529 College Savings Plans By State
    • How to Book the Best and Safest Airbnb
    • Eye Health Screening Apps May Signal Need for Eye Exam
    • The Best Places To Buy Hearing Aids
    • KardiaMobile EKG Monitor - Instant EKG on Your Phone
    • Why You Need To Re-Shop Your Car Insurance This Year
    • Best and Worst Home Insurance Companies
    • What Is a Reverse Mortgage and Is It Right for Me?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.14.22 Wells Fargo’s FINRA Review / 2 Ways to Offset Inflation Mar 14, 2022

    Clark explains why you should never invest through a bank. And then there’s Wells Fargo. Their latest foray into criminal behavior involves FINRA manipulation. Plus, in a time of high inflation, understanding how retailers operate is key to stretching every dollar. In addition to shopping everyday low price retailers, learn how to make the "high-low pricing model” work for you.

    • Wells Fargo’s FINRA Review: Segment 1
    • Ask Clark: Segment 2
    • Offset Inflation: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • How to Buy Term Life Insurance in 7 Easy Steps
    • 10 Best Business Checking Accounts of February 2022
    • The Latest from Clark Howard
    • Best and Worst Home Insurance Companies

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.04.22 Clark Answers His Critics on Clark Stinks / Clark’s Health Lesson Mar 04, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark has a health lesson for all based on a recent operation.

    • Clark Stinks: Segments 1 & 2
    • Clark’s Health Lesson: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Where To Buy the Best Cheap Printer
    • Evaluate Life Insurance
    • Why You Do Not Want To Get a Big Tax Refund Check
    • 4 Things To Know Before You Sign Up for fuboTV
    • Live TV Streaming Channel Tool
    • Is a Costco Executive Membership Worth It?
    • Should I Buy a House in This Crazy Real Estate Market?
    • Major Tax-Reporting Change for Users of Venmo, PayPal and Others
    • Is There a Safe Way To Invest in Real Estate?
    • Report: The #1 Internet Provider in America
    • File a Consumer Complaint | US Department of Transportation
    • When Should You Get an Accountant To Do Your Taxes?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.03.22 Ukraine: Donation Guidance and Economic Impact / Update: Vehicle Pricing & Purchasing Mar 03, 2022

    Clark offers legitimate resources for assisting Ukraine and discusses the economic impact. Also, current new & used car pricing info and buying strategies. With the spring car buying season coming and continued high vehicle prices, enter the new Consumer Reports reliability ratings.

    • Ukraine: Donation Guidance and Economic Impact: Segment 1
    • Ask Clark: Segment 2
    • Update: Vehicle Pricing & Purchasing: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How To Choose the Best Charities for Your Donations
    • How To Help Ukraine: Ways To Make a Donation Safely
    • What does Ukraine invasion mean for energy bills?
    • Car Prices Above MSRP Reflect Price Gouging Rather Than Inflation
    • NYTimes.com: As Automakers Add Technology to Cars, Software Bugs Follow
    • How to Sell Your Car in 5 Steps
    • How to Buy a New Car in 5 Steps
    • New Report: Top Vehicles Most Likely To Last 200,000 Miles


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.02.22 Fraud Alerts: Romance Scams Hit Fever Pitch / ZELLE No Mar 02, 2022

    Romance scams have skyrocketed with hundreds of millions lost to criminals exploiting pandemic vulnerability. And they’re stealing via untraceable fake crypto exchanges. Clark walks through how this happens so you can protect your heart - and wallet. Scam 2: Zelle, the cash payment app pushed by banks offering no consumer protections - is ripe for scammers & they’re all over it. Clark details Zelle scams and recommends one clear action to secure your account from this menace.

    • Romance Scams Escalate: Segment 1
    • Ask Clark: Segment 2
    • Scam Warning: ZELLE: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • What Is Disability Insurance and Should I Buy It?
    • Longevity Insurance Is a Smart Buy at Retirement
    • The Best Time To Buy a Car
    • End of life body donation: Contact a university based medical center
    • Restricted Stock Unit (RSU) Definition - Investopedia

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    03.01.22 Paid to Learn: Apprenticeship Programs / Walmart & Amazon Healthcare Mar 01, 2022

    The solution to the nation’s skilled worker shortage has been there all along, as more industries step up to participate in apprenticeships. New opportunities to be paid as you learn in the field and in the classroom can be found in technical college settings. Clark also explains the behind the scenes battle going on for the 20% of the U.S. economy going to healthcare. Two nontraditional players are becoming a threat to high-priced hospital based systems, providing new options of great benefit to you.

    • Apprenticeships: Segment 1
    • Ask Clark: Segment 2
    • Walmart & Amazon Healthcare: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Ask Clark: What Is a Backdoor Roth IRA?
    • Electric Vehicle Myths | US EPA
    • T-Mobile Money: 5 Things To Know
    • Can You Really Save Money With T-Mobile Tuesdays?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.28.22 Predatory FinTech Loans Target Small Business / Financial Infidelity Feb 28, 2022

    A new trick of the predatory lending trade: Banks team with fintechs to make 225% loans. Beware these online offers with hidden rates. Clark explains how this happens and what to look out for. Plus - Around 30% of people in committed relationships hide debt or money from their partners. The corrosive effects of financial infidelity and Clark smart tips to help couples navigate finances.

    • Predatory FinTech Loans: Segment 1
    • Ask Clark: Segment 2
    • Financial Infidelity: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Clark Howard's Advice on Buying Gold
    • 2022 Hyundai Ioniq 5 Review: Hella Impressive - Roadshow
    • The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
    • Do Not Give Your Social Security Number at These Places


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.25.22 Clark Answers His Critics on Clark Stinks / Internet Service: Clarity & Choice Feb 25, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, shopping internet plans and understanding the limits, fees and contracts has been very frustrating. Great news - that is about to end.

    • Clark Stinks: Segments 1 & 2
    • Internet Service: Clarity & Choice: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 8 Things To Know Before Your First Trip to Aldi
    • The best of Aldi's middle aisle this week! - Clark Deals
    • Turn off the debit function of your debit card
    • The Top 5 Benefits of Community College
    • 10 Ways To Save on Prescription Drugs
    • The easy way to pay off your credit card debt in a quarter of the time
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • 5 Things To Know About Series I Savings Bonds
    • How to Start Investing and Saving for Retirement
    • Clark's take: Why everyone should have a dash cam


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.24.22 Labor Shortage Outlook / Early Retirement Compromise Feb 24, 2022

    Labor shortages are so pervasive, it will take innovation and automation to fill the gaps. Clark talks about life in a time of worker shortages, the future outlook and solutions. Plus, in the wake of the FIRE movement, Clark gets to the core of FI - financial independence, vs RE - retire early. and offers an important compromise that may serve you well.

    • Labor Shortage Outlook: Segment 1
    • Ask Clark: Segment 2
    • Early Retirement Compromise: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • The Best Uses for Your Old Cell Phone
    • Treasury Direct - How to track down lost savings bonds
    • How To Open a Roth IRA


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.23.22 Power Outage: Solar Backup & Home Generators / Amazon Prime Increase Vs Walmart+ Feb 23, 2022

    Severe weather can cause lengthy power outages. Clark discusses solar with backup battery power and generator use. Also, Amazon is not the bargain they used to be and is raising the cost of Prime. 2 other options for inflation weary, price conscious consumers.

    • Solar Backup & Home Generators: Segment 1
    • Ask Clark: Segment 2
    • Amazon Prime Vs Walmart+: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Generator buying guide: What you need to know
    • The Walmart+ Membership Program - 19 Ways To Save at Walmart
    • How Many Credit Cards Should I Have?
    • Target RedCard Credit Card Review: Earn 5% Back on Purchases


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.22.22 The Ukraine Invasion: Economic Effect / 2 Tech Topics: 3G Shutdown & A New Tech Connect Standard Feb 22, 2022

    Clark discusses some possible economic implications around the stock market and gas prices, as the invasion of Ukraine unfolds. Also, the AT&T 3G network shutdown has occurred with Verizon & T-Mobile to follow. Learn what services are affected and what you can do. Plus, Apple, Amazon & Google have a new standard that allows devices to communicate automatically with each other, even when from different providers. Get the good news in tech rolling out this year.

    • The Ukraine Invasion: Economic Effect: Segment 1
    • Ask Clark: Segment 2
    • The 3G Shutdown & A New Tech Connect Standard: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • The Huge Tax Bills That Came Out of Nowhere at Vanguard
    • Lessons From Vanguard Target-Date’s Capital Gains Surprise
    • What Is Synthetic ID Fraud? - Experian
    • How to Sign Up for Credit Karma's Free Monitoring Service
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • 9 Ways To Pay for College Without Student Loans


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.18.22 Clark Answers His Critics on Clark Stinks / Summer Travel & Wedding Planning Feb 18, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Meanwhile, Covid fatigue is peaking and people are getting out more. Lots of things that didn’t happen over the last 2 years are coming back, Hear specific recommendations for booking summer travel, and wedding planning.

    • Clark Stinks: Segments 1 & 2
    • Summer Travel & Wedding Planning: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • The Top 5 Benefits of Community College
    • Public Service Loan Forgiveness Program: An Overview | SoFi
    • Why You Do Not Want To Get a Big Tax Refund Check
    • The Best Places To Buy Eyeglasses
    • Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? - Clark Deals - BJ’s
    • Outdoorsy: Trusted RV rental marketplace
    • How to book travel on Priceline


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.17.22 The Equifax Data Breach Settlement / 2 Great New Cell Plan Options Feb 17, 2022

    5 years later, the Equifax class action settlement over the massive 2017 breach - is finalized. Many are receiving claim notifications. Clark explains what this means for you. Later, great news on the cell phone front. How about free calling and texting? Clark shares industry trends involving phone contracts and a couple of great new offers.

    • The Equifax Data Breach Settlement: Segment 1
    • Ask Clark: Segment 2
    • Great New Cell Plan Options: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • TextNow: Get FREE unlimited talk & text with 99-cent SIM card
    • New ATT Plan only at Walmart $45 per mo unlimited everything
    • Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money
    • Senior Citizens Can Go to College for Free or Cheap in All 50 States


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.16.22 No Surprises: A New Medical Benefit / New Rewards Checking Feb 16, 2022

    The No Surprises Act for medical billing includes a bonus benefit most don’t know about, and it can help you save big on medical procedures. Also, great news about a new digital checking account - fee free with reward points, and more. Online Banking Archives - Clark Howard / How to Switch Banks in 4 Simple Steps.

    • No Surprises: A New Medical Benefit: Segment 1
    • Ask Clark: Segment 2
    • New Rewards Checking: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
    • Best 529 College Savings Plans By State
    • What Is an HSA Account and How Does It Work?
    • That $1,000 Bourbon You Bought May Be a Phony
    • IRS Free File: Free State and Federal Tax Filing Options for 2022
    • How To Open a Roth IRA


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.15.22 Update: Gas Prices / Sticker Shock: Auto Insurance Recommendation Feb 15, 2022

    The story on gas prices - pandemic to now - explains where we are and where prices at the pump are going. There IS a bright spot on the energy front. Also, there’s been an increase in automotive fatalities in the U.S. This, along with the car shortage, is impacting auto insurers, increasing their costs. Brace for your policy renewal and use Clark’s recommended strategy.

    • Update: Gas Prices: Segment 1
    • Ask Clark: Segment 2
    • Sticker Shock: Auto Insurance Recommendation: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 5 Things To Know About Series I Savings Bonds
    • Best 529 College Savings Plans By State
    • What Is a Credit Union?
    • To sell antique items, seek out local estate sale businesses / Ebay
    • How To Spot, Avoid, and Report Fake Check Scams | FTC
    • How To Choose the Best Charities for Your Donations


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.14.22 Saving Strategies for Financial Independence / Home Title Protection Feb 14, 2022

    Great saving strategies to build financial independence. Step 1: Defining your goals. Also, home title fraud is a devastating crime. Learn which homes are most at risk and how to protect your property.

    • Saving Strategies for Financial Independence: Segment 1
    • Ask Clark: Segment 2
    • Home Title Protection: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
    • Stripe: Online payment processing for internet businesses
    • Clark Howard's Important Advice on Funeral Planning
    • Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.11.22 Clark Answers His Critics on Clark Stinks / Apple AirTags Revisited Feb 11, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there have been many stories of Apple AirTags being exploited by criminals for stalking and car theft. Now comes a great story of someone using an AirTag to STOP criminals.

    • Clark Stinks: Segments 1 & 2
    • Ask Clark: Segment 2
    • Apple AirTags Revisited: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    How to Buy Term Life Insurance in 7 Easy Steps

    • How To Find a Good Moving Company
    • How To Find and Choose a Financial Advisor
    • EvaluateLifeInsurance.org
    • 5 Sneaky Ways To Improve Your Credit Score
    • If a medical practice requires a credit card on file, use a fee-free stored value Visa or MC


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.10.22 Citi Double Cash Visa Changes Explained / The Frontier / Spirit Airlines Merger Feb 10, 2022

    The Citi Double Cash card was simple and intensely popular. But recent changes have created confusion. You now have Thank You points - Do you still get 2% cash back? Clark explains. Also, Clark on the Frontier / Spirit discount airline merger, schedule reliability and needed consumer protections for U.S. flyers.

    • Citi Double Cash Visa Changes Explained: Segment 1
    • Ask Clark: Segment 2
    • The Frontier / Spirit Airlines Merger: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases
    • Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
    • Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
    • How To Prevent, Report and Repair Identity Theft
    • How to post a hotel review online without getting any blowback


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.09.22 Mark Cuban’s New Rx Savings / AUTO LOANS: 2 Clark Rules. Feb 09, 2022

    Mark Cuban’s direct to consumer drug manufacturing company is up and running. Clark contrasts Cuban’s CostPlusDrugs and Costco pricing, to chain pharmacy pricing methods, revealing a clear way to SAVE. Also, Americans are getting seriously ripped off on auto loans. 80% of vehicle buyers purchase the wrong way - 8 million are delinquent - 46% are upside down in their loan. 2 Clark rules to live by when financing a vehicle.

    • Mark Cuban’s New Rx Savings: Segment 1
    • Ask Clark: Segment 2
    • AUTO LOANS: 2 Clark Rules: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Your Guide to DIY Home Security Systems
    • GetUpside Review: 6 Things To Know Before You Sign Up
    • Are You Following Clark's Maximum Auto Loan Length Rule?
    • How to Buy a Used Car in 7 Steps
    • Is LifeLock Worth the Cost?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.08.22 Create Your Own Credit File / Cruise Update: Hazard & Opportunity. Feb 08, 2022

    As part of the evolution of evaluating credit risk, for those with no credit report Experian has a way to set up your own. Clark smart credit advice. Plus - The cruise industry is in absolute turmoil. Clark updates both the hazard, and opportunity.

    • Create Your Own Credit File: Sement 1
    • Ask Clark: Segment 2
    • Cruise Update: Hazard & Opportunity: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Petal Card Review: A Good Option for First Credit Card?
    • Experian Boost Review: How 3 Bills Helped Raise My Credit Score …
    • How To Build Credit
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • Top Travel Deals - Clark Howard - GoogleFlights
    • How To Use InsureMyTrip To Buy Travel Insurance


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.07.22 STOCK MARKET: Ride the Decline Fortified / Valentines Day Planning. Feb 07, 2022

    Stocks are going through a cyclical decline and investors are nervous. Whether nearing retirement or younger, you can be positioned emotionally and financially to weather a down cycle. Also - Planning ahead for Valentine’s Day can help you save. Clark smart tips on Valentine’s gifts, and a warning about romance scams.

    • STOCK MARKET: Ride the Decline Fortified: Segment 1
    • Ask Clark: Segment 2
    • Valentines Day Planning: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Using the Price-to-Earnings Ratio and PEG to Assess a Stock
    • Dollar Cost Averaging Makes You a Fortune Over Time
    • What Is a Roth 401(k) and How Does It Work?
    • Walmart Unveils New Walmart+ Membership Program
    • How To Opt Out of Verizon’s New Data Collection Policy
    • Bark: Parental Control App for iPhone, Android, & Amazon Fire


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.04.22 Clark Answers His Critics on Clark Stinks / New Tax Rule for Small Business. Feb 04, 2022

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - A 2022 tax year heads up for those who receive income via a pay app. What small businesses need to know about pay app income and the IRS. Major Tax-Reporting Change for Users of Venmo, PayPal and Others

    • Clark Stinks: Segments 1 & 2
    • New Tax Rule for Small Business: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Know your (new) rights under the No Surprises Act…
    • What the No Surprises Act means for your medical bills
    • AAA Membership: Is It Worth It?
    • UNI One Toll Pass
    • How To Open a Roth IRA
    • 7 Best Ways to Save for Retirement in Your 50s
    • How to Reach Customer Service at Cash App, Zelle and PayPal

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.03.22 Clark Howard - Deal Hunter - Spills Trade Secrets / Clark Smart Assignment: Restore Vanishing Money Feb 03, 2022

    Clark shares how & where he saves money, teaching you to crack the price label codes at warehouse clubs - Priceless! Also, What memberships & subscriptions are lurking and are you using them? Use Clark’s way to find out. $5 a month for nothing is $60 a year! Clark helps you get it back!

    • Clark Howard - Deal Hunter - Spills Trade Secrets: Segment 1
    • Ask Clark: Segment 2
    • Clark Smart Assignment: Restore Vanishing Money: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Costco Best Deals Sam’s Club Deals Best of Aldi’s middle aisle
    • Meet the Proud Shoppers of Aldi’s ‘Aisle of Shame’
    • These Credit Cards Offer Car Rental Insurance Benefits
    • BOXABL CASITA – Accesory Dwelling Unit
    • 50 Companies with Amazing Tuition Reimbursement Programs
    • Best 529 College Savings Plans By State


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.02.22 The New Angie’s List / Retail & the Organized Theft Ring Problem Feb 02, 2022

    Hiring a contractor is a big challenge. Angie's List - now Angi - is undertaking a new business model seeking to be a trusted resource. Clark takes a first look and discusses vetting services. Also, Clark examines the current problem of organized theft rings throughout the country, how they affect consumers, and how retailers are reorienting stores and security.

    • The New Angie’s List: Segment 1
    • Ask Clark: Segment 2
    • Retail & the Organized Theft Problem: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Why You Do Not Want To Get a Big Tax Refund Check
    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • How To Find and Choose a Financial Advisor
    • Chime Review: Pros & Cons of the Bank Challenger
    • Best 529 College Savings Plans By State


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    02.01.22 Flying Cars! An Imminent Game Changer / Beating Inflation in the Supermarket. Feb 01, 2022

    The future is almost here. Today, big players are perfecting electric flying taxis. Clark discusses the market adoption and possible uses of electronic aircraft. Also, at a time of rising prices, store brands - aka private labels - have new strength in the marketplace, key for your wallet. Clark conveys the quality of various house brands and how much you can save.

    • Electronic Aircraft an Imminent Game Changer: Segment 1
    • Ask Clark: Segment 2
    • Beating Inflation in the Supermarket: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Here's How Easy DIY Pest Control Can Be
    • Autotrader: Used and New Car Sales, Review
    • Oura Ring - Buy used as a test drive - Clark Howard’s Oura Wedding Band
    • The Best Time and Place To Buy a TV


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.31.22 Don’t Get Taken on Eyeglasses / Here’s to Vertical Farming. Jan 31, 2022

    Americans are spending more than ever on eyeglasses. Clark discusses the industry cartel at work & multiple ways you can save, and has a warning about employee vision coverage. Also, promising news about how our food is grown in the U.S. The concept of growing produce in a factory goes back a generation. But indoor vertical farming is starting to boom and the benefits are many.

    • Don’t Get Taken on Eyeglasses: Segment 1
    • Ask Clark: Segment 2
    • Here’s to Vertical Farming: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Roth vs. Traditional 401(k): What’s the Difference?
    • MaxMyInterest vs. CDARS
    • 7 Free Federal and State Tax Filing Services for 2022


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.28.22 Clark Answers His Critics on Clark Stinks / Airport Self-Screening. Jan 28, 2022

    It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Airport self-screening is becoming a reality. TSA screening is a tough job - crying out for modern AI tech as long employed overseas. The Dept. of Homeland Security has initiated the development of TSA PreCheck self-screening. Clark describes the benefits this will bring, and shares a Global Entry expiration warning.

    • Clark Stinks: Segments 1 & 2
    • Airport Self-Screening: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Global Entry Travelers Now Have a 24-Month Renewal Grace Period
    • Why You Should Be Careful About Lending Money to Family and Friends
    • What Is a Mutual Fund?
    • Fidelity Investments Review 2021: Pros & Cons


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.27.22 Virtual Credit Card Protection / Solar Shingle Innovation. Jan 27, 2022

    Clark explains how virtual credit card numbers work to protect you while shopping online. Check to see if any of your cards offer the virtual number service, and make it your online card. Also, solar roof tech has progressed, offering greater efficiency and lower cost. A new development from GAF Energy brings self-powering our homes closer within reach.

    • Virtual Credit Card Protection: Segment 1
    • Ask Clark: Segment 2
    • Solar Shingle Innovation: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Navy Federal Ups the Rewards on Its Popular Cash Back Credit Card
    • Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
    • Why Clark Howard Is So Excited About His Wedding Band
    • Solar | Department of Energy - State Renewable Energy Resources | US EPA
    • The #1 Thing Clark Howard Hates About Solar Panels
    • Should You Buy an Extended Warranty on Your Car?


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.26.22 Streaming Services Price Creep / Vehicles: 3 Great Developments. Jan 26, 2022

    Netflix just went up and price increases overall for streaming services continue due to original programming production costs. Clark has a few ways to help you streamline your streaming. Also, vehicle news including the $20K Ford Maverick, help for the blinding headlights problem, and Toyota’s refurbishing program - brilliant!

    • Streaming Services Price Creep: Segment 1
    • Ask Clark: Segment 2
    • Vehicles: 3 Great Developments: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Ford Shuts Off Orders for New $20,000 Maverick Pickup - The Wall Street Journal.
    • Live TV Streaming Channel Tool
    • Netflix Announces Price Hike for 2022 Subscriptions
    • 19 Ways To Save at Walmart
    • The Best Ways To Protect Yourself Against Airline Cancellations

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.25.22 Home Ownership vs. Renting / Restaurants & Retail: Limited Hours & Merchandise. Jan 25, 2022

    Clark describes retiree regret when resettling in vacation spots. How to avoid costly moves using Clark’s “training wheels” strategy. Plus, a look at rent or buy decision factors in today’s market. And - Many retailers & restaurants have shorter store hours & empty shelves - Clark relates what’s happening now and what’s to come. In addition, hear how corporate public relations can further botch serious corporate mistakes - case in point: Hertz.

    • Home Ownership vs. Renting: Segment 1
    • Ask Clark: Segment 2
    • Restaurants & Retail: Limited Hours & Merchandise: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Non-Owner Car Insurance: A Complete Guide - NerdWallet
    • Truebill Review: 4 Things to Know Before Signing Up
    • Clark's Graveyard - SunRocket Internet Phone Service – Died July 2007
    • IRS using identity verification: ID.ME
    • State unemployment claim problems: Seek help from state representative.

    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.24.22 Military Bonuses / Good News on the Energy Front. Jan 24, 2022

    Right now opportunities & incentives are plentiful in many sectors because of worker shortages. The military is employing retention incentives, and new recruit bonuses topping out at $50K, which may be a worthy path for some. Also, Clark reviews the pandemic effect on energy, where we are now with home energy and gas prices - and where the U.S. is headed as an energy producer.

    • Military Bonuses: Segment 1
    • Ask Clark: Segment 2
    • Good News on the Energy Front: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Is a Costco Executive Membership Worth It?
    • Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best?
    • Mortgage Refinance Calculator - Clark Howard
    • Mortgage Points Calculator - Clark Howard
    • Mortgages Archives - Clark Howard
    • Homeowners Insurance Archives - Clark Howard


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.21.22 Clark Answers His Critics on Clark Stinks / Dealerships Vs. the Free Market Sale of Vehicles. Jan 21, 2022

    It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark shares news about a huge shift happening in the way cars are sold. Carmax, Carvana & Vroom have changed the game in favor of consumers, and manufacturers are duking it out with anti-competitive dealerships. A new program from GM tells the tale.

    1. Clark Answers His Critics on Clark Stinks
    2. Dealerships Vs. the Free Market Sale of Vehicles
    3. Ask Clark

    Mentioned on the show:

    • What Is a Secured Credit Card and How Does It Work?
    • Alliant Visa Signature Card: 2.5% Cash Back - ALLIANT
    • Clark Howard and the Prostate Cancer Foundation
    • How to Save Money on Car Insurance
    • 9 Easy Ways To Lower Your Home Insurance Premiums


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275

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    01.20.22 Special Retirement Advice For Women / Warning: Banks Pushing Credit Card Offers. Jan 20, 2022

    Clark outlines several factors that lead to one conclusion: Women need to save more of their paycheck for retirement than men. Also, the banks are desperately handing out credit cards like candy now. Clark relates different scenarios based on your credit, and conveys what is core & key to keeping your credit healthy with credit card use.

    • Special Retirement Advice For Women: Segment 1
    • Ask Clark: Segment 2
    • Warning: Banks Pushing Credit Card Offers: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Social Security: Ex-Spouse Benefits And How They Affect You
    • New and Used Car Reviews and Ratings - Consumer Reports
    • How to Buy a Used Car in 7 Steps


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.19.22 Credit Report Errors / Walmart Vs. Amazon - Grocery Delivery Options. Jan 19, 2022

    Inaccuracy of credit reports is a longstanding problem. More than half of all complaints to the CFPB were about the credit bureaus, who see us as mere data points, not customers. Clark on how the system functions and how to protect your credit. Clark also describes Walmart’s new “InHome” delivery service compared to the Walmart+ option, vs Amazon initiatives. Generally Walmart is 20% cheaper on groceries so this may be viable for some consumers.

    • Credit Report Errors: Segment 1
    • Ask Clark: Segment 2
    • Walmart Vs. Amazon - Grocery Delivery: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How To Monitor Your Credit
    • Virtual Credit Cards: An Online Security Measure Worth Taking?
    • Should You Buy an Extended Warranty on Your Car?
    • uShip
    • Buying a diamond online: Have an unconditional right to return
    • 7 Places to Get the Best Deals on Lab-Created Diamonds
    • Hampton woman loses $200 after buying already-activated gift card
    • Submit a complaint | Consumer Financial Protection Bureau


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.18.22 Travel Warnings: Cruises & Lodgings / Furniture Orders & Deposits in Limbo. Jan 18, 2022

    Pandemic cruise scenarios call for a backup plan. Clark explains what can happen with cruises and with lodging cancellation policies. In this era of travel uncertainty, learn the KEY to travel planning. Also, as shipping delays persist, many customers are out their deposit money indefinitely for no show furniture & appliances. Retailer bankruptcy adds more difficulty. Clark suggests an alternative.

    • Travel Warnings: Segment 1
    • Ask Clark: Segment 2
    • Furniture orders & deposits in limbo: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • How To Use InsureMyTrip To Buy Travel Insurance
    • The #1 Type of Travel Insurance You Probably Need Right Now
    • There’s a new tax rule for US small business owners. What to make of it?
    • What Is a Credit Union?
    • How To Find a Good Moving Company


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.14.22 Clark Answers His Critics on Clark Stinks / Tax Season Strategy & Inflation. Jan 14, 2022

    It’s Friday! Clark Stinks day -Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this tax year will be a bit different for 2021 filings, with a special warning from the IRS. Clark shares a smart tax refund strategy, plus the outlook on inflation.

    • Clark Stinks: Segments 1 & 2
    • Tax Season Strategy & Inflation: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Barrons.com: IRS Warns Backlogs Could Cause Delayed Tax Refunds
    • Treasury warns of ‘enormous challenges’ this tax filing season that could delay refunds
    • U.S. natgas output to rise, demand to ease in 2022 -EIA
    • When Are Taxes Due? Important Tax Dates in 2022
    • 7 Free Federal and State Tax Filing Services for 2022
    • When Should You Get an Accountant To Do Your Taxes?
    • Money Challenge: How To Save $2,022 in 2022
    • Hearing Aids
    • A closer look at why heat pumps are dominating EV HVAC systems
    • These Credit Cards Offer Car Rental Insurance Benefits


    Clark.com resources

    • Episode transcripts
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-5275


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    01.13.22 Invasion of Privacy: Cell Phone Service / When You Need To Buy a Car - Now. Jan 13, 2022

    Verizon trades in customer data - apps, browsing etc. to sell for profit. Clark breaks down the opt-out, and suggests a cheaper way to be on Verizon’s network. // Now is the worst time to buy a car since 1946. Clark shares his best advice and the vehicle market outlook.

    Ask Clark topics include: How to avoid becoming the victim of credit card fraud / Why Some Stores Don’t Take Credit Cards / Ask Clark: Should I get a prepaid maintenance plan on a new car? \\

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    Free Advice: Clark's Consumer Action Center

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    01.12.22 New Advice About 401(k)s / YOUR SAFETY: Criminal Tracking of People & Cars. Jan 12, 2022

    More companies are offering the Roth 401(k). What you need to know about this retirement savings option. // Crooks are using Apple AirTags to track people and cars. There IS a solid way to protect yourself…

    Ask Clark topics include: Required Minimum Distributions: How To Calculate, Rules / How To Open a Roth IRA / AAA Membership: Is It Worth It? \\

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    01.11.22 HOUSING: Cost, Supply & Building Innovation / Life Insurance Guidelines. Jan 11, 2022

    We remain in short supply of housing units, both apartments and single family homes, while housing costs continue to rise. Clark discusses how we got here and the affordable solutions out there, in need of wider adoption. // Clark explains having life insurance from work vs buying your own policy, plus direction on shopping and purchasing life insurance to protect your family.

    Ask Clark topics include: Is your institution 529 eligible? / What Is a Good Credit Score? / Travel Archives - Clark Howard \\

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    Free Advice: Clark's Consumer Action Center

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    01.10.22 The End of ER Bill Shock? / What’s Behind the American Labor Shortage. Jan 10, 2022

    The “No Surprises Act” consumer protection law is now in effect. Clark explains new consumer rights surrounding out of network medical charges, with guidance for the insured and uninsured. // The U.S. labor shortage: Clark has new stats that shed light on what’s really going on with the American workforce.

    Ask Clark topics include: Free File: Do your Federal Taxes for Free / Why You Should Never Go to Your Bank for Investment Advice / Best Investment Companies \\

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    01.07.22 Clark Answers His Critics on Clark Stinks / Clark’s 2022 Money Challenge. Jan 07, 2022

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly half of us have no money for an unexpected emergency. Clark presents a road map for setting a new path for saving money, including variable weekly saving goals. Clark’s money saving challenge to you, should you choose to accept it!

    Clark Stinks and Ask Clark topics include: Best 529 College Savings Plans / What Is an Annuity? / Should You Buy Out Your Leased Car? / Estate and Gift Tax | IRS / How To Open a Roth IRA / Fidelity Investments Review \\

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    Free Advice: Clark's Consumer Action Center

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    01.06.22 Crypto Savings Accounts / The Funeral Industry Pivot - New Rules. Jan 06, 2022

    How crypto savings accounts work and why they’re risky business. Learn the Clark smart perspective on the current crypto environment. // Clark updates long-standing advice on how to avoid getting ripped off on cremation and burials. In the funeral industry, national chains have absorbed the independents, challenging prior memorial society group negotiating power. But new tools allow you to shop the marketplace for end of life services at the time of need.

    Ask Clark topics include: As Used-Car Prices Surge, Consider Fixing the Car You Already Own / How To Open a Roth IRA / The Best Time and Place to Buy a Mattress / 8 Things to Know About Walmart Care Clinic and Walmart Health \\

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    01.05.22 Explainer: Long-Term Care Insurance / Advancements in Medicine. Jan 05, 2022

    Clark describes what Long-Term Care policies cover, how they work, when and what to buy and the hybrid policy difference. // As a Prostate Cancer Foundation board member, Clark shares insights into cancer research in general and the upcoming era of “precision medicine” - plus advocacy and research guidance for those with terminal loved ones.

    Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 / Best Cash Back Credit Cards: Top Picks for 2021 / Inside the Timeshare Sales Pitch \\

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    01.04.22 Special Edition: SOCIAL SECURITY with expert Mary Beth Franklin Jan 04, 2022

    Mary Beth Franklin is a Certified Financial Planner, financial journalist, podcaster, and author of the book “Maximizing Social Security Retirement Benefits” - joining Clark to discuss when best to claim benefits, the solvency of the program and what younger workers can expect from Social Security in the future. Investmentnews.com-MaryBethFranklin / Maximizing Social Security Retirement Benefits - eBook \\

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    01.03.22 New Tech for Drunk Driving Prevention / The Debt Hangover & A Clark Smart Resolution. Jan 03, 2022

    A third of road deaths are associated with drunk driving. There’s new technology that may stop drunk driving in its tracks. // Are you nervous to open your credit card statements this month? If so, you’re not alone. Clarks tells how the pandemic has reshaped saving and spending, and suggests a debt resolution for 2022.

    Ask Clark topics include: Gift Taxes / These Credit Cards Offer Car Rental Insurance Benefits / Why you should beware of sharing a bank account with an elderly parent / Health Insurance Guide - Health Insurance Archives \\

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    12.24.21 Clark Answers His Critics on Clark Stinks / Boost Mobile Deal + Big Bargains in the New Year. Dec 24, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark gives the cell phone forecast AND a great deal from Boost Mobile. Also, what to know about January clearance sales.

    Clark Stinks and Ask Clark topics include: How To Choose the Best Charities for Your Donations - Clark Howard / Warning: Watch Out for This Retailer Pricing Trick - Clark Howard \\

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    12.23.21 Teachable Moments: Teens & Money / Know Your Worth in the Marketplace. Dec 23, 2021

    Teenagers are a hot market for fintechs like Square, now opening Cash App to teens. Clark shares ideas for teaching teens about money & payment apps. // Most of us aren’t great at advocating for ourselves and negotiating pay - a vital skill. It’s important to know what your job is worth and your power as an employee. Tips to help you master the art of negotiation.

    Ask Clark topics include: New FAFSA Removes Roadblocks for Grandparent 529 Plans / Estate Planning: Living Trusts vs. Simple Wills - Investopedia / How To Open a Roth IRA / How much life insurance do you need? - Life Insurance / Refinance Your Mortgage \\

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    12.22.21 Bad Fiscal Health Leads to Bad Physical Health / Relocating? SAVE on the Cost of Moving. Dec 22, 2021

    New research confirms debt is dangerous for your health. People of various income levels can end up overextended. Clark shares the areas of most difficulty & ways to reduce costs so your wallet and wellbeing can improve. // There are several things you can do to cut the cost of relocating. Get Clark smart tips on all aspects of moving - from packing to renting a truck - to help you save no matter where you’re going.

    Ask Clark topics include: Should I Pay a Company To Lock Down My House Title or Is It a Scam? / 9 Reasons Why Everyone Should Use A VPN. Yes, Even Non-Techies / Is My Phone Unlocked? Here’s How To Know – iPhone and Android - Cell Phone Unlocking | FCC \\

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    12.21.21 Gentle Advice for Vanguard / Why Clark Despises Mandatory Arbitration. Dec 21, 2021

    In the battle of the investing behemoths - Clark’s “favorite children” Vanguard, Fidelity and Schwab, Clark has some pressing advice for Vanguard (who we still love!) / Many companies have used the pandemic to take away consumer rights. Corporate America has disconnected most employees and consumers from the court system. 60 million workers are now under “kangaroo court” arbitration, rigged in favor of the companies. The system is broken. Voluntary neutral arbitration is another matter.

    Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 - 5 Things to Know About Schwab Bank / 6 Best Background Check Services

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    12.20.21 SAVE MORE: Paying Little or Nothing / Vital Conversations About Vital Financial Info. Dec 20, 2021

    If your New Year’s Resolution is to cut spending, be aware Buy Nothing Groups have been proliferating, a platform for goods people are giving away. Also there’s FreeCycle. For non-consumables, avoid paying full retail. // Do your loved ones know where your assets, accounts, and important documents are? Resolve to make sure all vital records and information is accessible to trusted loved ones just in case. Clark gets you started...

    Ask Clark topics include: How to avoid the Google Voice verification code scam / National Elder Law Foundation / Roth IRA Conversion Rules - Investopedia / What Is an HSA Account / Welcome to Clark’s Christmas Kids 2021

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    12.17.21 Clark Answers His Critics on Clark Stinks / The Consumer Action Center's Top Questions. Dec 17, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Special Guest, Lori, Director of the Consumer Action Center, joins Clark to discuss listeners’ top concerns.

    Clark Stinks and Consumer Action Center topics include: Roth IRA vs. Traditional IRA / How To Sell, Cancel or Get Rid of Your Timeshare / How to Buy a Used Car / How To Find a Trustworthy Mechanic / Customer Service Advocacy: Elliott.org / How To Open a Roth IRA / Best Target Date Funds: 3 Top Picks / Find a Financial Advisor / Is Apple Pay a Safe Alternative to Zelle? \\

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    12.16.21 WARNING - Counterfeits Abound Online / Home Insurance Price Hikes & Guidance. Dec 16, 2021

    Canal St. NYC is one thing. But be aware fake designer merchandise is being sold online - found on eBay, Amazon and vetted resale sites. // Big price hikes in homeowners insurance are happening around the country. How loyalty is penalized, and 3 guidelines for shopping insurance.

    Ask Clark topics include: How To Use InsureMyTrip To Buy Travel Insurance-Clark.com - Costco Travel Insurance / Should You Buy an Extended Warranty on Your Car? / How To Dispute an Error on Your Credit Report and Win / Welcome to Clark’s Christmas Kids 2021 \\

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    12.15.21 WARNING: Pretexting Gift Card Scams / The Great Resignation: The Wrong Way to Quit. Dec 15, 2021

    Pretexting gift card scams are rampant and wildly successful for criminals. Clark describes how these scams work, and what to know to avoid getting ripped off! // Popular now, flaunting quitting a job and trashing an ex-employer. Be aware there are likely consequences down the line. You build a reputation and relationships over time. Also not classy: ghosting a job interview.

    Ask Clark topics include: Mortgages Archives - Clark Howard / Submit a complaint | Consumer Financial Protection Bureau / Fidelity Investments Review 2021 / Worldwide Coverage / What Is an Annuity, and Why Does Clark Think They Stink? / Find a FIDUCIARY - Clark.com \\

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    12.14.21 New Info on Employers Spying on Workers / Good News on the Banking Front! Dec 14, 2021

    The work-from-home boss / employee gap continues to widen. If you’ve got a work issue phone or laptop - odds are your employer is spying on you. Learn Clark smart recommendations for workers. // Traditional banking is invested in mistreating customers. The fintechs are changing that. We may be seeing the end of overdraft fees - a con which elicits your permission to rip you off. Capital One recently announced they’re eliminating this fee. New Report: Best Banks for Customer Satisfaction - Clark Howard

    Ask Clark topics include: Experts say the 4% rule, a popular retirement income strategy, is outdated / How to Get Free Virus, Spyware and Malware Protection / Freeze Your Credit / Welcome to Clark’s Christmas Kids 2021 \\

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    12.13.21 Now Vs 1970s Galloping Inflation / Customer-No-Service: The Cell Phone Industry. Dec 13, 2021

    Clark gives an overview of inflation including energy, food & housing, the role of the Federal Reserve and where we’re headed. // T-Mobile, once known as the uncarrier, is under new management, now lapsing into un-service. Clark discusses the cell phone industry and your best options .CELL PHONES - Clark.com - Boost Mobile: Get 12 Months of Service for $100

    Ask Clark topics include: Why Did My Car Insurance Go Up? / Non-Owner Car Insurance: Who Needs It? - Investopedia / Does It Make Sense To Buy Prescriptions From Canada by Mail?


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    12.10.21 Clark Answers His Critics on Clark Stinks / Debt Collectors on Social Media & Your Rights Dec 10, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Debt collectors now have the right to contact you on social media. Sometimes it’s a ‘phantom debt’ meaning NOT YOURS. What about YOUR rights? Clark explains how to properly shut down harassment and pay a debt to collections.

    Clark Stinks and Ask Clark topics include: Credit Unions / Clark Deals - Laundry Detergent / Welcome to Clark’s Christmas Kids 2021 / Fidelity Personalized Planning & Advice Review / Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity \\


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    12.09.21 Health Tracking: Clark Reviews the Oura Ring / Opportunity for Those Leasing a Vehicle. Dec 09, 2021

    Clark’s obsessed with fitness, and explains how the Oura Ring differs from other trackers, and the difference it’s made for him. // Used vehicle values are still inflated now. A vehicle coming up on the end of its lease will be worth substantially more than the residual value you have to pay. 2 ways to take advantage of this unique opportunity in the marketplace.

    Ask Clark topics include: Vacatia.com - Scam alert: Stay away from timeshare exit companies - How To Sell, Cancel or Get Rid of Your Timeshare / FDIC.gov \\

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    12.08.12 Federal Student Loan Repayment / A New Breed of Social Media Affinity Fraud. Dec 08, 2021

    Federal student loan payments are about to resume. It’s KEY to keep current. Hardship options are available. // Influencer advertorials have created a clear opening for scams targeting those under 30. What these schemes look like and how to protect yourself.

    Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / How to Refinance Your Student Loans / What Is a Reverse Mortgage and Is It Right for Me? / 5 Things To Know About Series I Savings Bonds / What Is a Spousal Roth IRA? \\

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    12.07.21 New Reward Credit Cards - Know The Game / Hotel Review Goes Horribly Wrong. Dec 07, 2021

    Credit card offers abound right now, going after 3 target markets. Learn if you’re in their sights and how the game is played, to better protect your finances. / Do you wait until after you’ve left a restaurant, hotel or resort to leave a review - or post while there? What happened to one hapless reviewer provides a cautionary tale for all…

    Ask Clark topics include: CREDIT CARDS - Clark.com / BBB-File a Complaint \\

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    12.06.21 Investor Warning: Borrowing on Margin / Recent Clark Adventures in The Retail Competitions. Dec 06, 2021

    How margin investing is actually gambling - borrowing against stocks in order to buy more stocks - a huge profit center for brokerages. Clark explains how this plays, and where the danger lies. // Clark Howard - Deal Hunter, has click & collect and delivery experiences that speak to big retail competition with Amazon - and wins for consumers.

    Ask Clark topics include: Target Date Funds: Clark’s Favorite Retirement Investment / CELL PHONES - Clark.com / Red Pocket Deal: Get a Year of Unlimited Service Starting at $14/Month / Can YouMail Really Put an End to Robocalls? \\

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    12.03.21 Clark Answers His Critics on Clark Stinks / COVID, Travel & The Economy. Dec 03, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark’s thoughts on the new COVID variant, the economy and travel.

    Clark Stinks and Ask Clark topics include: 7 Things to Know Before You Buy Travel Insurance / Storage Unit Insurance: What Is It and What Does It Cover? \\


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    12.02.21 Save on Winter Heating Bills / WARNING: Cashing Out Home Equity. Dec 02, 2021

    The typical electric bill will be 5% higher this winter. For those using natural gas, bills are expected to be up 25 - 35% depending on location - propane even more. Clark has several suggestions to help you save. / Every time there’s a runup in home prices, people tend to take out equity. That practice is up 33% over last year. Why Clark believes this is a bad idea, and when cashing out equity is appropriate.

    Ask Clark topics include: How to Sell Your Car in 5 Steps / Homeowners Insurance / 9 travel safety tips to protect you & your wallet / Clark Howard: My 7 Rules for Using Credit Cards \\


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    12.01.21 Safer Holiday Shopping Online / A Better Option for Concert Ticket Buyers. Dec 01, 2021

    Survey Says: The number 1 type identity theft is credit card fraud. Clark smart strategies to protect your wallet when holiday shopping online. // The concert business has been in turmoil since the pandemic began. Events were postponed overwhelmingly to avoid the paying of refunds. Meet a ticket seller with better options. \\

    Ask Clark topics include: How to sell your house by owner - Clark Howard / The power of compound interest: Earlier you save the better / Wills & Funerals \\


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    11.30.21 Consumer Reports’ Dirty Look at Laundry Detergents / Money Saving Healthcare Innovations. Nov 30, 2021

    Clark gets into the nitty gritty of doing laundry & the best detergent buys. Consumer Reports ratings are in - how to get more for less. // We pay more for medical care in the U.S. than the rest of the world with less to show for it. Hospital systems buy up competitors and practices to reduce competition. There’s a counter move going on. How CVS, Walmart and others are making a difference in the delivery of healthcare in ways that can save you money.

    Ask Clark topics include: 7 Best Free Cloud Storage Options in 2021 / What You Need To Do With Your Gift Cards Right Now \\

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    11.29.21 The ABCs of NFTs / The New IRS Tax Rates & Tax Efficient Saving. Nov 29, 2021

    Clark discusses NFTs with Team Clark’s Christopher Smith who has done really well with them. Can you get rich quick? // Tax rates on regular savings interest and on investment earnings have been adjusted for next year. Clark explains how it pays to know the difference and save accordingly.

    Ask Clark topics include: 3 Rules for Buying Gold - Clark’s #1 Rule on Investing in Things Like Gold, Marijuana and Bitcoin / Investing in real estate can be a lot simpler than you think / How To Prevent, Report and Repair Identity Theft / How to counter lowball offers from auto insurers after your vehicle is totaled \\

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    11.19.21 Clark Answers His Critics on Clark Stinks / Big Retailer Christmas Deals and Don’ts. Nov 19, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The big box retailers are better stocked for Christmas than anticipated. Inventory and sales are up. Clark lets you know what’s a deal and what’s not right now. The market never stops changing - how to be flexible in a time of rising prices.

    Clark Stinks and Ask Clark topics include: Costco membership deal: Save up to $30 with a new Costco membership / Best Cell Phone Plans and Deals in 2021 / Mean Reversion Definition - Investopedia / IRS Announces 401(k) Contribution Limit Increase for 2022 \\

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    11.18.21 The Land of DANGEROUS Misfit Toys / Tis the Season of Giving - AND Charity Scams. Nov 18, 2021

    A USA Today investigation found 121 recalled or banned toy products, some of which have had fatal consequences, sold on Facebook Marketplace with no oversight. This is not unique to Facebook. The U.S. gov is suing Amazon for selling dangerous products. What to know and look out for from these and other marketplace sellers. // Americans are a generous people, and the season of giving brings out the scammers to exploit this virtue. The many ways they rope you in and what to know before you give.

    Ask Clark topics include: What Is an HSA Account? / What Is a SEP IRA and Who Is Eligible? / Best 529 College Savings Plans / How to Find a Geriatric Care Manager \\


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    11.17.21 It’s Porch Pirate Season. Secure Package Solutions / Media Warning: Beware Advertorial Content. Nov 17, 2021

    Holiday package thieves are a real problem and delivered goods will be priced higher than picked up merchandise. Clark discusses the advantages of “click & collect” and Amazon lockers / In modern media, the traditional wall that separates advertising from content has broken down in every format & platform. A con artist posing as a Texas financial radio host stole millions from listeners. It’s vital to know what’s going on behind the curtain. Paid media is everywhere. Clark discusses what to watch out for when consuming radio, TV, newspapers & periodicals, websites, social media et al.

    Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One? / Mean Reversion Definition - Investopedia / How To Sell, Cancel or Get Rid of Your Timeshare / Should I Pay Off Debt, Save Money or Invest? / Should I Pay Off My Mortgage Before I Retire? \\


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    11.16.21 “Skimpflation” is Upon Us / Industry Disruption: Root and Lemonade are Changing Auto Insurance. Nov 16, 2021

    “Skimpflation” is a form of hidden tax via customer no-service, with companies cutting corners in almost all sectors. Surviving businesses are dealing with increased demand and labor shortages - another dislocation to work through in the economy. // While spending billions on non-stop ads, the traditional market-driven insurance industry is being turned on its head. New companies like Lemonade and Root begin with trust and simplicity. It’s working.

    Ask Clark topics include: GetUpside Review: 6 Things To Know Before You Sign Up / Best 529 College Savings Plans By State \\


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    11.15.21 New Retirement Contribution Limits / Home iBuyers: Industry Update. Nov 15, 2021

    It’s the time of year to make elections for your retirement accounts. News on next year’s new income and contribution limits for retirement accounts and tax implications moving forward. / Zillow is out of the home buying business, but other iBuyer companies are still thriving. Industry update and when & where using an iBuyer makes sense for home sellers.

    Ask Clark topics include: Amount of Roth IRA Contributions That You Can Make For 2021 / Ask Clark: What Is a Backdoor Roth IRA? / SIPC - Securities Investor Protection Corporation / A strong password isn’t enough | Here’s the best way to protect your online accounts \\

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    11.12.21 Clark Answers His Critics on Clark Stinks / ACA Open Enrollment: Increased Benefits + Medicare Advantage Plans. Nov 12, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The final phase of pandemic relief allows for lower premiums, more subsidies and smaller deductibles on health insurance for qualifying individuals and families for 2022. Revisit Healthcare.gov to enroll by Dec. 15. Clark explains Medicare Advantage plans & the upcoming surprise medical billing law. We’ll need to know our rights and how to use them.

    Clark Stinks and Ask Clark topics include: Apple Pay and Apple Cash Review - NerdWallet / Health Insurance Guide / How To Send a ‘Drop Dead’ Letter to a Collection Agency / My Dad Is Retiring But Plans To Continue Working Part-Time. How Can We Help Him Access His Benefits? \\

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    11.11.21 Holiday Shopping Challenges / Men vs. Women Investors - Who Comes Out Ahead? Nov 11, 2021

    Supply chain issues, shipping delays, and higher prices - NOT a few of Clark’s favorite things. Sale cycles are underway already and December will be expensive. Clark Smart holiday shopping guidance. Clark Deals Black Friday / A Fidelity study shows women investors on average earn superior returns to men. Why the difference?

    Ask Clark topics include: How to Buy a House in 9 Steps / Mortgages Archives - Clark Howard / 31 Items To Pack in Your Financial Emergency Kit \\

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    11.10.21 Zen and the Art of Auto Maintenance & Repairs / New Opportunities in Small Business Banking. Nov 10, 2021

    Car repair rip offs are a long term, terrible problem, increasing during today’s car shortages. How to prevent car repair nightmares and what to do if you are stuck in one. / The nation’s banks have not been kind to small business, and now this market is going through the early stages of disruption. Better options for business banking from fintechs.

    Ask Clark topics include: 5 Things To Do Before You Sign Up for a Free Trial / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / How to Buy Term Life Insurance in 7 Easy Steps \\

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    11.09.21 What Earns 7.12% Interest? / FREE Smart Phones! What's the Catch? Nov 09, 2021

    Series I Savings Bonds are paying 7.12% interest for the next 6 months. Clark explains how long these bonds must be held and how they work. Recommended. / Are those “free” phone offers really worth it? Clark explains what it’s really costing you. Best Cell Phone Plans and Deals in 2021

    Ask Clark topics include: Wills & Funerals Archives / How To Open a Roth IRA / File a Complaint | Better Business Bureau / 6 Things To Know Before You Sign Up for Visible / iPhone 13 Deal: Get $200 + HomePod Mini With Visible / Clark Deals - Phones - Clark Deals - Phone Plans \\

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    11.08.21 The Burger King-Robinhood Crypto Giveaway / A Favorite Car Seller in Trouble and The TOP 10 Cars Ticketed for SPEED Nov 08, 2021

    Would you like some crypto with that Whopper? Crypto mania has reached an all time high. Clark on the Burger King - Robinhood crypto tie-in. Electronic currency is a valid concept for moving money more efficiently around the world. So what’s the problem? You deserve a Clarksplanation. / Carvana’s under review in several states over title & registration paperwork issues - what car buyers need to know. Also - the 10 cars most likely to get speeding tickets have one common thread….

    Ask Clark topics include: Co-signing a loan / What Is a Good Credit Score? / What Is Swapalease and How Does It Work? - LeaseTrader.com / Kardia.com - AliveCor: EKG Anywhere, Anytime \\


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    11.05.21 Clark Answers His Critics on Clark Stinks / Holiday Travel Update. Nov 05, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some airlines have had periods of complete chaos of late. What’s behind the meltdowns, a notable exception, and a warning about online travel reviews. We’re entering a very popular travel season- Clark smart booking advice.

    Clark Stinks and Ask Clark topics include: Best Rewards Credit Cards: Top Picks for 2021 / These Credit Cards Offer Car Rental Insurance Benefits / Follow Clark Howard's #1 Rule to Travel Cheap //


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    11.04.21 The Not O’K-economy’ Continues - Clark Smart Direction // Dealing with Debt Collection. Nov 04, 2021

    The K Economy: A significant portion of the population thrives, while many others struggle mightily. Meanwhile nearly 70% worry about their kids falling behind as education has also suffered during the pandemic. So what’s the good news? Clark points to opportunity. // A LendingTree study of debt collection complaints reveals that most involve fraudulent or mistaken debt. There’s also nonexistent or fake credit card debt. It’s crucial to know and exercise your rights with debt collectors.

    Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service - Should I Become a Turo Host With the Increased Demand Right Now? / Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards / What Is Disability Insurance and Should I Buy It? \\

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    11.03.21 DANGER! Scam Texts Out of Control / Vacation vs Burnout. Nov 03, 2021

    Robocalls may have started declining due to number verification to thwart spoofing. So crooks are moving on to text scams. These are coming at you fast and furious. What to look for so you don’t download a virus. // Are you feeling burned out at your job? More than half of workers don’t take all their PTO. What!? Clark’s annual plea for your good health, happiness AND better productivity at work.

    Ask Clark topics include: What Is an HSA Account / Index Funds / Is Apple Pay a Safe Alternative to Zelle? / How to Plan a Trip: Clark’s Best Travel Tips to Save Money \\

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    11.02.21 Why FI (Financial Independence)? - Funding Retirement / Debit Disaster. Nov 02, 2021

    Americans are living longer. At the same time, we want to retire earlier. Clark wisdom for those ages 20 to 45 about what it takes to be FI (Financially Independent) in the back third of life. // An outrageous grocery charge you have to hear to believe - and how to protect your wallet from this kind of banking trainwreck.

    Ask Clark topics include: How Does Airbnb Work for Hosts? / How to Buy a Used Car / Clark.com - CELL PHONES / 31 Items To Pack in Your Financial Emergency Kit \\

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    11.01.21 Disconnect: Employee Exodus - Executive Oblivion / Housing Update. Nov 01, 2021

    The work from home genie is out of the bottle. Employees have left the building. And yet, nearly half of execs want them back in the office 5 days a week. Check the quit rate, boss. People have the power now. Clark smart executive direction. / Housing: Our number 1 expense. Clark covers the latest developments and how they affect your wallet now and in the future.

    Ask Clark topics include: VENMO Identity Verification / Is It Better To Buy a New or Used Car in the Current Market? / New and Used Car Reviews and Ratings - Consumer Reports / Clark’s Best Travel Tips to Save Money / What Is an Annuity? / Choose a Financial Advisor / The Best Credit Cards With No Foreign Transaction Fees \\

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    10.22.21 Clark Answers His Critics on Clark Stinks / Black Friday deals are already here! Oct 22, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The Holiday shopping season has morphed to spread out the sales calendar for greater efficiency. The pandemic has accelerated that process. Now pre-Halloween, sales are underway. Clark points to a few so you can SAVE MORE. The biggest deals will come before December.

    Clark Stinks and Ask Clark topics include: Costco Auto Program: New & Used Car Buying Service / ALLIANT Your everyday cashback credit card / Travel Insurance / Best Travel Credit Cards: Top Rewards Picks for 2021 / What Is an HSA Account and How Does It Work? / Is 65 the Best Age To Retire? / Will I Still Get the 5.9% Increase if I Wait To Collect Social Security?

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    10.21.21 The Exodus from California / Simplify Retirement Savings. Oct 21, 2021

    There are 2 major factors that inform why people choose to move from one state to another. California and Texas are a case in point. // Clark shares an idea that may shift the way you think about retirement savings - at any age.

    Ask Clark topics include: What Is a 403(b) and How Does It Work? / How to Buy a Used Car in 7 Steps / Best and Worst Auto Insurance Companies / Best and Worst Home Insurance Companies / Ask Clark: What Is a Backdoor Roth IRA? / What Is an HSA Account and How Does It Work? \\

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    10.20.21 For the Win: Investing Trends / Disney’s New Genie Park Planner App. Oct 20, 2021

    The investing price wars continue, giving you more choice in the marketplace. You’ll end up with 50% more money for retirement being with a low cost provider. A full commission stock broker is pitching something that may sound like a good idea. Clark’s not buying it, and neither should you. // Disney uses dynamic demand pricing which can help regulate crowd size. Now they have a new planning app called Genie. What it does, and what it costs.

    Ask Clark topics include: Fiduciary Financial Advisors / Find a Financial Advisor / Best Financial Advisors in 2021 / Roth IRA for Kids - Fidelity / SIM Card Swapping / Business Insurance / How to Buy Term Life Insurance / These Credit Cards Offer Car Rental Insurance Benefits \\

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    10.19.21 SAVE on Rx: 2 Excellent Drug Discount Programs / Best Buy’s New Membership Program - Totaltech. Oct 19, 2021

    $40 vs $330 for the same Rx?! GREAT news on a couple of subscription programs that can save you big bucks. // Why Wall Street loves Best Buy’s new membership program for tech support and the value of membership.

    Ask Clark topics include: 10 Ways To Save on Prescription Drugs / Canadian International Pharmacy Association / How to Buy a Used Car in 7 Steps / Cell Phones & Smartphones for sale | eBay / OnePlus Nord - OnePlus (United States) - OnePlus Nord Series / Tempted by timeshares? Heed Clark's advice \\


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    10.18.21 Restaurants and the Labor Shortage / Privacy vs Telematics Tracking Drivers. Oct 18, 2021

    Restaurants and the service industries overall are enduring severe labor shortages for all to see. This is creating high anxiety. Patience is a virtue. / 16 years into telematics, only 2% of drivers allow themselves to be tracked. Do you want your every move tracked while driving? How one major insurer is pushing for it, plus, a tale of Tesla’s driver-assist testing.

    Ask Clark topics include: Why You Should Never Use a Debit Card To Pay for Anything - Clark / Submit a complaint | Consumer Financial Protection Bureau / 6 Best Ways To Send Money Online / Term Life vs. Whole Life Insurance / The Best Term Life Insurance Companies / MyChart | Powered by Epic / How To Prevent, Report and Repair Identity Theft \\

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    10.15.21 Clark Answers His Critics on Clark Stinks / Operational Difficulties: Southwest Airlines Oct 15, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Why Clark loves our largest domestic airline - Southwest, what’s going on with the recent meltdowns, and Clark smart advice for travelers.

    Clark Stinks and Ask Clark topics include: Social Security / CREDIT CARDS - Clark.com / 5 Steps To Getting a Good Deal on a Hotel Room / Wawa Launches “Tap, Pay & Save 15 Cents Per Gallon” with the Wawa App through Oct. 31 \\

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    10.14.21 Challenges of Going Cashless / Bottled Water: $ Down the Drain. Oct 14, 2021

    The disappearance of cash brings new ways to tip - and challenges teaching kids about money. // The average bottled water drinker spends $1400 a year on bottled water - which may not be as safe as tap water! And bottled water IS overwhelmingly tap water! Clark explains - and suggests a WAY cheaper middle ground solution.

    Ask Clark topics include: What Is a Backdoor Roth IRA? / MTurk Review: How to Make Money Online With Amazon Mechanical Turk - Survey Junkie Review: 3 Things to Know Before You Sign Up / Trust Definition - Investopedia / Best Investment Companies for Investors in 2021 - Clark Howard \\


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    10.13.21 Device Addiction vs. Being In The Moment / Beware Stalkerware. Oct 13, 2021

    How many times do you pick up your smartphone each day? Surprising statistics about how much we’re engrossed in these devices, and something else to think about. // Both Androids & iPhones are being invaded by various types of malicious apps. 10 million got hit with fake charges on their cell phone bills. Learn the number 1 way to know a rogue app is lurking & how to protect yourself from this growing type of spyware.

    Ask Clark topics include: What Is a 403(b) / Umbrella Insurance / 401(k) Rollover / How To Find and Choose a Financial Advisor / How to Protect Your Phone Against a SIM Swap Attack | WIRED / CDARS® has been renamed IntraFi Network Deposits. / Clark Deals 2021 Sweepstakes


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    10.12.21 Credit Card Rewards / Don’t Pay for FREE Credit Info. Oct 12, 2021

    If you’re willing to pivot for credit card perks in the marketplace, it’s a win. Learn about new Amex and Navy Federal offerings. / $500 a year for a credit score subscription!? No. DO NOT allow anyone to rip you off for credit monitoring, reports or scores. Clark reveals secrets about the business, including how you can get all that info for FREE.


    Ask Clark topics include: 6 Tips for Hiring a Contractor - Cnet - Working with contractors: How to hire a qualified pro / MDsave.com Shopping online for healthcare has arrived. / Clark Deals 2021 Sweepstakes / Best Cell Phone Plans and Deals in 2021 / Save up to $20 with a new Costco membership \\

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    10.11.21 High Tech Comes to Insurance Claims / Rideshare Costs & Alternatives. Oct 11, 2021

    Learn how insurers are using AI, drones and robots to assess auto and property claims. This brings up concerns you need to know about. // Uber & Lyft costs are up by 1/3rd on average. Surge pricing makes these rideshare costs unpredictable. You’re not a sitting duck. Clark mentions several alternatives.

    Ask Clark topics include: 2021 Toyota RAV4 Prime Road Test - Consumer Reports / The 3 Truths of Wealth Creation - It's OK to splurge on things important to you, even when saving for retirement - Clark’s addendum: CORE & KEY: Live on less than what you make. Investment savings need to stay on target for retirement. / The Clark.com editorial process. \\

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    10.08.21 Clark Answers His Critics on Clark Stinks / Early Bird Holiday Shopping a Must This Year. Oct 08, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Holiday shopping - in October? Several factors make that a good idea this year, including current deals.

    Clark Stinks and Ask Clark topics include: The Free Account Everyone Needs To Set Up Before Retirement / Read This Before You Sign Up for Health Insurance at Work / How to decide if medical tourism is a viable option for you / The 14 Cheapest and Best Grocery Stores / Report: The #1 Supermarket for Customer Satisfaction - Automatic Bill Pay: How It Works and How to Do It Safely \\


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    10.07.21 Hope for a Promise Long Denied: Public Service Loan Forgiveness / New Rules: Flood Insurance. Oct 07, 2021

    The promise of public service student loan forgiveness made 14 years ago has been grossly mismanaged, cheating compliant service workers. That injustice is being overturned with new federal regulations going into effect. Stand By! Clark’s guide is forthcoming involving an October deadline. // More Americans are living at or near a coast. Learn how the Federal Flood Insurance Program has worked, and how it will change moving forward. New rates are being implemented and you should know how they will affect you, depending on risks.

    Ask Clark topics include: Why Airlines Can’t Stop Rewriting the Rules for Fliers / BANKS & Banking - Clark.com / What changes at Credit Karma Tax now that we are a Cash App product? / Where Is My Passport? / This Decision Could Increase Your Social Security Benefit by 8% Each Year / Clark Deals 2021 Sweepstakes \\


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    10.06.21 Pandemic Impact: Increased Elder Fraud / Transportation Innovation Arrives. Oct 06, 2021

    Elder fraud comes in many forms. The numbers are astounding. AARP reports 5 million elderly Americans have money stolen each year. Average amount: $120,000. They can’t recover from that kind of loss. How we all can do a better job of communicating with and protecting aging family & friends. // Flying electric taxis for regional transportation are being adopted in São Paulo, Brazil. These helio-plane hybrids are an affordable, quiet, efficient solution. Air taxis! How soon will we see such progress? - A Clark Prediction.


    Ask Clark topics include: Extended Car Warranties / Term Life Insurance / National Foundation for Credit Counseling / The 3 Best Ways to Consolidate Credit Card Debt – And 2 Ways to Avoid It \\


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    10.05.21 Escalating Gas & Energy Prices - Your Defense / Protect Your Social Security Account at Age 30. Oct 05, 2021

    Both oil and natural gas are in short supply, with prices going up. How to save on gasoline and home energy. // Social Security has an embedded base of support, so it will continue in some form, based on your highest 35 year earnings. Clark shares why and how you should monitor this future source of income starting at age 30 - a simple but very important task.

    Ask Clark topics include: Energy Sage: SRECs: understanding solar renewable energy credits / Best Generator Buying Guide - Consumer Reports / Financial Advisors / When Is the Best Time to Take Social Security? - Maximize My Social Security \\


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    10.04.21 Empty Shelves & Product Shortages - Flex / Open Enrollment Needs Your Attention This Year. Oct 04, 2021

    We’re used to everything always being available. Clark explains we’re back to historical patterns, supply chain disruption and distribution tendencies for the duration. No need to panic buy, just flex. // It’s open enrollment time for many company health insurance plans. What you should know about HSA high-deductible health plans, how to decide which plan is best for you AND - disability insurance.

    Ask Clark topics include: Diamonds - buy used - 7 Places to Get the Best Deals on Lab-Created Diamonds / Consumer Reports - Guide to Cars With Advanced Safety Systems / Password Protect Your Phone - How To Create a Safe Password / T-Mobile Home Internet Service - Verizon 5G Home Internet - Cheap Internet Service \\


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    10.01.21 Clark Answers His Critics on Clark Stinks / Women Entrepreneurs Skyrocket. Oct 01, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Pandemic burnout has prompted many to re-evaluate their life and careers. Close to half of new business owners now are women. The economics of this development and the opportunities it presents.

    Clark Stinks and Ask Clark topics include: Hearing Aids / What Is a 403(b) and How Does It Work? / File complaints with your State Consumer Affairs Department (if your state has an active one) / How to Spot and Avoid Scams on Facebook and Instagram / IRS - Coronavirus-related relief for retirement plans and IRAs questions and answers \\


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    09.30.21 Help For Homebuyers in the Bidding Wars / Bye Passwords Hello Biometrics. Sep 30, 2021

    1 in 4 houses are being bought cash only. Sellers want certainty. Clark shares a new way some companies are helping home buyers win the bidding wars. // Microsoft is eliminating passwords. Amazon is experimenting with biometrics for concert entry. Biometrics are here to stay and passwords will be a thing of the past.

    Ask Clark topics include: These Airlines Are Extending Credits Into 2022 / Cemetery Plot Buying and Selling / Charles Schwab Bank Debit Card \\


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    09.29.21 There are 2 Types of 529 Plans. One is a Ripoff / Jobs of the Future. Sep 29, 2021

    529 Plans are getting better overall. But there are 2 types: direct sold, and rip offs.. Due to massive fees, you can end up with less than you put in. Know the only kind to buy: Best 529 College Savings Plans By State // 70% of the jobs of 20 years from now do not exist today. The market never stops transforming. Clark shares which careers make sense for the future. If you’re in an industry in decline, consider how to use your skills another way.

    Ask Clark topics include: Apple Pay / Zelle fraud emergency kit and FAQ - BobSullivan.net / 5 Things To Know Before You Buy a Refurbished Phone / SIPC - Securities Investor Protection Corporation / IRS IRA Contribution Limits / Thrift Savings Plan (TSP) \\


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    09.28.21 Extreme Weather & Home Insurance / 13 Billion Robocalls for Car Warranties. Sep 28, 2021

    Due to extreme weather patterns, homeowners insurance is becoming a more difficult purchase. Underwriting can vary greatly from one insurer to another. New considerations for home buyers & why shopping home insurance is more important now than ever. Plus, 3D printed homes are weatherproof, cheaper & quicker to build. // Sick of getting junk robocalls about your extended warranty expiring? You are not alone! What you need to know about this ongoing, widespread scheme.

    Ask Clark topics include: When Should You File a Claim on Your Homeowners Insurance? / Federal Agencies Release Interim Final Rule to Implement the No Surprises Act / Should You Buy an Extended Warranty on Your Car? / 403(b)s / Google Flights - Hopper - Skyscanner \\

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    09.27.21 A Used Car Market Warning / Market Swings & Investor Fears. Sep 27, 2021

    An important warning for those in the market for a used vehicle, and how buyers must protect themselves. Also, there will be new e-vehicles in the marketplace, sold direct. What that means for buyers. // Recent wide swings in the stock market have sparked fears among investors. Various factors have created a “wall of worry”. The problem with getting out of the market, and the right questions to ask yourself to be in the game - prepared.

    Ask Clark topics include: How does HomeAdvisor work for contractors? / What is an UGMA or UTMA account? - Best 529 College Savings Plans By State / Trust & Estate Planning / What Is a Financial Advisor and Do I Need One? - How To Find and Choose a Financial Advisor / SPLITWISE: Less stress when sharing expenses / BBB-File a Complaint \\

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    09.24.21 Clark Answers His Critics on Clark Stinks / NEVER NEVER NEVER Accept the Expensive Free Dinner Invite. Sep 24, 2021

    Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / You may be tempted to accept an exclusive invitation to a financial seminar that includes something fancy like a free steak dinner. Clark tells you why you need to cook at home that night instead.

    Clark Stinks and Ask Clark topics include: What Is Your Flood Risk on a Scale of 1–10? / Clark’s App Warning for iPhone and Android Users / Should I Convert a Traditional IRA to a Roth IRA? / 7 Things to Know Before You Buy Travel Insurance / Elon Musk says Starlink internet will exit beta status next month / T-Mobile Expanding 5G Network To Offer New Home Internet Service \\


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    09.23.21 UPDATE: SBA Loan Programs / Important Plan Documents: 401(k) Fees. Sep 23, 2021

    Good news for small business owners about the SBA loan program, including applying for PPP loan forgiveness. // 401(k)s have 2 different kinds of fees, one of which most participants are unaware of - the cost for the investments plus administration fees, which can be high. Who pays?

    Ask Clark topics include: Best Investment Companies for Investors in 2021 / Why Vacation Clubs are worse than timeshares / Should You Manage Your Own Investment Portfolio? - The Bogleheads' Guide to Investing / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Credit Karma Review: Free Credit Score and More at Your Fingertips - How To Monitor Your Credit \\


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    09.22.21 Quality of New Cars / CORE Investing: Clark’s Hot Tip Advice. Sep 22, 2021

    We know cars are overpriced and hard to get right now - allowing time to research your next buy for when the market improves. Clark looks into the initial quality of new cars - and the types of both cars and appliances that are generally most reliable. // The yen to invest is taking hold with advice coming from everywhere. Why this is both great and terrible. Many are basing investment decisions on social media influencers’ advice. Pause with Clark to reflect on this….

    Ask Clark topics include: How Much Is My Used Car Worth Right Now? / TRAVEL CLArchives / Best Buy Tech Support / Kids and Teen Savings Account | USAA \\


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    09.21.21 Wearable health trackers / The Buy Now, Pay Later Effect - Not Good. Sep 21, 2021

    Health trackers are approaching the mainstream for general health monitoring. Clark talks about his devices and what’s on the horizon. // Almost half of Americans have used buy now, pay later services. What could possibly go wrong?

    Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Loyalty fraud is on the rise — here’s what happens when your points are stolen / Is a Cash-Out Refinance Right for You? / Home equity loans & lines of credit / A factory-built home as a means to affordable housing / The 4 Insurance Policies You Actually Need / Term Life vs. Whole Life Insurance - EvaluateLifeInsurance.org \\


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    09.20.21 Why Crypto Isn’t Ready For Prime Time / Are wallets becoming obsolete? Sep 20, 2021

    Crypto is taking all shapes and forms now, including being used for risky borrowing and lending. This is in the pioneering phase. // The cell phone is potentially replacing the wallet. Pros & cons.

    Ask Clark topics include: What you can’t pay for with a 529 plan / How and Why to Refinance Your Mortgage / The 403(b) / Fidelity Investments Review 2021 / Life Insurance / Sam’s Club Mastercard Review: Earn 5% Back on Gas Purchases - Best Rewards Credit Cards: Top Picks for 2021 / Authorized User vs. Joint Account Holder \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 //


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    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? \\


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    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


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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

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    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 \\


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    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 \\


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    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 \\

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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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? \\


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    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? \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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? \\


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    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’ \\

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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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. \\

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    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 \\


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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 \\


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    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. \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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. \\


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    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 \\


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    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 \\


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    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 \\


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    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.


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    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


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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


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    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 \\


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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.


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    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 \\


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    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 \\


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    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? \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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


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    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 \\


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    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 \\


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    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 \\


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    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 \\


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    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? \\

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    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 \\


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    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.


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    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 //


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    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 //


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    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


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    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 //


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    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 /


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    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 /


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    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 //


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    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? /


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    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 //


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    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 /


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    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 /


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    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 /


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    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. /


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    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 /


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    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 /


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    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 /


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