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The Clark Howard Podcast — 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.

Copyright: Copyright © 2023 Clark Howard Inc. All rights reserved.

Latest Episodes:

3.19.20 Stock market volatility and your 401k; Government passes a Coronavirus relief bill Mar 19, 2020

Show notes

The market is still experiencing a lot of volatility. Clark discusses how you should approach your retirement account in light of the current turmoil.

Clark discusses what the Coronavirus relief bill means for the American public.

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3.18.20 Supply chain updates & human resiliency as Covid 19 spreads; How travel companies are responding to customers Mar 18, 2020

Show notes

Clark discusses how the grocery stores are doing and the unique way human beings come together in crisis.

Some travel companies are doing a good job of responding to their customers. Others, not so much. Clark talks about how to approach the travel bookings you already have.

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3.17.20 Coronavirus causes recession, major job market dysfunction; How government relief is coming during economic upheaval Mar 17, 2020

Show notes

Clark continues to talk about the fallout from the Coronavirus pandemic. There won't be a way of avoiding a recession, and many American jobs and small businesses are at risk right now.

The government is working on ways to prop up the economy during the pandemic. But they seem to be more focused on big business than individual Americans.

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3.16.20 Coronavirus special: Clark's stock market reaction, small business difficulties, and how to handle your personal finances Mar 16, 2020

Show notes

The stock market had a rough day. But the impacts of the Coronavirus extend far beyond that. Clark discusses stock market reaction, small business difficulties, and how to handle your personal finances in these uncertain times.

Clark also discusses the Fed injecting cash into the economy, mortgage refinancing, and the current travel situation as well.

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3.13.20 Why savings bonds are GREAT!; Ikea dresser recall Mar 13, 2020

Show notes

Savings bonds are great place to put money these days. They could be a better option for you instead of a savings account or CD.

Ikea is recalling more dressers. Clark tells you what to watch out for and how to keep your kids safe.

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3.12.20 Historically low mortgage rates; Fifth Third bank in hot water; Officially in a bear market Mar 12, 2020

Show notes

Mortgage rates have sunk to historic lows. But there's a LOT you need to know before you pull the trigger on a refinance.

Fifth Third Bank is being sued by the CFPB stating that the bank opened up fraudulent accounts in customers names without their knowledge. Sounds like Fifth Third took a page out of the Wells Fargo playbook!

We officially hit bear market territory yesterday. Clark tells you what to do with your investments and how to think about

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3.11.20 Coronavirus wide-ranging impacts; Travel cancellation policies changing Mar 11, 2020

Show notes

As the WHO has called coronavirus a pandemic, there are many ways this impacts individual Americans. Clark says that our politicians are failing us and should be putting a higher priority on public health. He also talks about how we should approach our personal finances in light of the current scary health conditions.

Travel companies are having a difficult time and the travel cancellation policies are being changed as coronavirus facts come in. Clark tells you what you need to know.

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3.10.20 Hidden advisor fees; Hoarding in the wake of coronavirus; Keep your internet browsing private Mar 10, 2020

Show notes

It's hard to know how your financial advisor is being paid. And it recently became even more difficult to figure it out. The CFP board is no longer noting how planners are paid on the site LetsMakeAPlan.org. Since the CFP board isn't going to help consumers out, you'll need to help yourself and ask your advisor specific questions before you enter into a relationship. And make sure that any planner you choose to work with is a fee-only planner who has a fiduciary responsibility to his or her clients.

‘Limit 5 per member’ – seen at Costco regarding sanitation wipes as people were trying to buy entire palette quantities. In times of uncertainty, people tend to hoard. There’s been a run on hand sanitizers and toilet paper as well. Think through what you actually need. We need to make sure there’s enough for all. Hoarders create false shortages. Manufacturers catch up and supplies are restored so don’t take on more than you need. Think before you buy too much.

Cable monopolies are fighting new regulation to restrict their spying on consumer internet activity for sale. Receiving free Google services in return for data sales is one thing. But most of us are prisoners of a monopoly internet provider. We’re paying huge money for access while they’re spying on all we do and selling it off. Google at least now allows you to see and delete their collected info on you and set up auto deletion. Maine passed a law requiring privacy and the state is being sued by the cable monopolies, alleging Maine is discriminating against them. Firefox to the rescue with a new, free encrypted service to cut off almost all spying from the cable monopolies. Defeat their lobbying power in a now corrupted Congress by using the Firefox encrypted browser and surf in relative privacy. Those who said the only way to preserve privacy is to carry no tech and separate from the grid have turned out to be right.

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3.9.20 Coronavirus market impact; Coronvirus scams proliferate; Avoid AT&T TV Mar 09, 2020

Show notes

The market is now past a 52 week low and global markets are in panic mode. Global markets are related to an undeclared war between Putin and the U.S. The U.S. has become the world’s most important energy market - natural gas and oil combined. Putin is exploiting the outbreak to undermine the U.S. economy in an attempt to destroy the U.S. hydraulic fracking industry by flooding the world market with oil Russian can produce at a cheaper price per barrel. Putin has engineered a collapse in the price of oil by making it clear he’ll flood the market beyond demand to starve the U.S. oil industry for revenue. This has led markets to expect recession. Oil prices collapsed by unprecedented amounts today. Unless this corrects in the next several days, we’ll see a 30 to 50 cent per gallon drop in gas prices over the next few weeks. But Putin’s long game is to destabilize the U.S. using the backdrop of depressed demand for fuel due to the outbreak, as a way to drive a dagger through the U.S. economy.

The SEC has released several warnings about phony emails circulating claiming treatments and cures for coronavirus. These ‘pumps and dumps’ are occurring heavily in social media and elsewhere, claiming biomedical breakthroughs. In reality, crooks buy stock in a failed enterprise and try to bid up the price by lying to people. As soon as they run the price up, they sell their shares and investors are left with nothing. Be wary of ‘incredible opportunities’ to score money. State and federal authorities are also warning against fake charities soliciting to provide relief to coronavirus victims. Only give to organizations you know are real to avoid the scams.

AT&T TV is being heavily marketed at $49.99 – but after clicking to sign up, the junk fees kick in. There are massive penalties to cancel a 2 year contract. No other streaming service asks that. Sleazy, underhanded, deceptive and wrong. Driven by fear and desperation, they impose a 2 year contract and only tell you the price for the first year, but you can’t get out of the second year at double price + junk fees – without paying a massive termination fee. Ridiculous. DirecTV and AT&T internet customers will get the pitch. Know it’s garbage and there are much better alternatives. Hopefully AT&T will come to its senses and compete with integrity. Rebuttal welcome. This is a lousy way to treat brand loyal customers and others. Their other streaming service, AT&T TV NOW gives you the ability to cancel with no penalty. Confusing much? See our streaming guide

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3.6.20 Investing in real estate online; Clark Stinks Mar 06, 2020

Show notes

Pitches to get into private real estate ventures are prevalent now. Investors own percentages of several properties from dozens to thousands. With little disclosure required in private placements vs. publically traded ventures, the big pitch promises boosted returns. When you put your money in, you're relying on their promises and you can not get your money out of these illiquid investments. Often there are huge commission fees involved. If you don't care to own and manage individual properties, buy public investments from low cost Vanguard, Schwab or Fidelity. They all offer REITs you can buy in and out of at will, no commissions.

Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

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