Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today,  do you or someone you know have a safety deposit box? Clark has a very important warning if the answer is yes.  Clark Stinks: Segments 1 & 2 Unsafe Deposit Boxes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Should You Sell Your I Bonds Right Now? When Is the Best Time To Collect Social Security? Which Home Security Systems Rank Better Than Ring? Clark Howard's Simple Steps To Get Better Customer Service The US Sun: A judge dismissed my lawsuit against Chase when $100,000 & a $10k necklace vanished – years later I saw it on TV Is a Safe Deposit Box Really Safe? How Should I Handle Car Insurance for My Teenage Driver? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

CDs - Are they still a good deal? Given where inflation and interest rates are heading, Clark explains that we’ve arrived at a tipping point for savers, and how to best put your money to work. Also, a report has come out about the best supermarkets in the country. What makes them great? It’s a factor you may not think about.  The SAVE MORE CD Strategy: Segment 1 Ask Clark: Segment 2 Best Supermarkets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best CD Rates for February 2024 Why you should open a CD this February - CBS News What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in February 2024 Municipal Bond: Definition, Types, Risks, and Tax Benefits How Many Bank Accounts Should You Have? - Clark Howard Credit Cards Could Swipe Department Stores’ Profits - The WSJ. Should You Get a Store Credit Card? Supermarkets - The American Customer Satisfaction Index CNBC - Costco has replaced Trader Joe’s as America’s favorite supermarket American Customer Satisfaction Index 6 Best Apps To Save Money on Groceries 22 Ways To Save Money on Groceries 10 Ways You're Wasting Money on Groceries How To Use Camelcamelcamel Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As the big phone companies plan big price increases, smaller competitors are taking a bigger share of the marketplace. Clark shares easy ways to keep costs down.  Also, you’ve heard of getting a second opinion when it comes to medical procedures, but did you know that getting a second opinion in all sorts of consumer areas can save you big bucks? SAVE on Cell Phone Service: Segment 1 Ask Clark: Segment 2 Get A Second Opinion: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Comcast, Charter add subs; survey finds consumers very open to MVNOs T-Mobile Eyes Price Hikes As AT&T, Verizon Set to Raise Rates in March Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need What Is Owner's Title Insurance and Do You Need It? Home Title Lock: Is It the Same As Home Title Insurance? Counterfeit Stamps How getting a second opinion can stop you being ripped off — The Conversation Brushing Scam – United States Postal Inspection Service “Brushing” Scam Indicates a Serious Problem for Victims How Can I Make Freezing a Young Person's Credit Less Risky? Should You Make Your Child an Authorized User on Your Credit Card? Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Venmo is publicly sharing your info. Clark has a special privacy check up for Venmo users. Later - collectively entrepreneurs set a new record last year. Get Clark’s take on entrepreneurship and its value for the economy.  Venmo Privacy Check: Segment 1 Ask Clark: Segment 2 On Entrepreneurship: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Venmo privacy settings to change now How To Make Your Venmo Transactions Private 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 5 Tips To Protect Your Digital Privacy Protect Your Identity Archives - Clark Howard Should You Allow Your Auto Insurance To Monitor Your Driving? Mile Auto | Pay-Per-Mile Car Insurance Entrepreneurs Opened More Businesses in 2023, Setting a New All-Time High on Yelp Sell My Car – Autotrader What Is an ETF?  -  What Are Index Funds? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - many employers are offering a new benefit which may eliminate the need to choose between paying down student loans and saving for retirement.  Clark Stinks: Segments 1 & 2 The New Student Loan/401(k) Benefit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Find Cheap Flights in 3 Easy Steps Going™ | Formerly Scott's Cheap Flights Airfarewatchdog: Cheap Flights & Airline Tickets Estate and Gift Tax FAQs | Internal Revenue Service 15 of the Best Free Workout And Fitness Apps What Is an ETF? A Simple Trick To Paying Off Your Credit Card Faster NYTimes: A New Perk for Some Student Loan Borrowers: A 401(k) Match More companies embracing benefits aimed at student loan debt SAVE Repayment Plan Offers Lower Monthly Loan Payments Best Budgeting Apps in 2024: Our Top 5 What Is a Flexible Spending Account? How to Teach Young Kids About Money Fidelity Investments Review 2023: Pros & Cons  Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Cruise travel is way up and with it, problems with associated trip insurance. Learn what could go wrong, and Clark smart rules for cruise travel. Also today, a follow up on Visa Vanilla gift cards and the “draining” scam that left so many people with useless plastic. Cruise Trip Coverage Warning: Segment 1 Ask Clark: Segment 2 Vanilla Gift Card Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Help! I Missed a Cruise and the Cruise Line’s Own Travel Insurance Won’t Pay. Clark.com - CRUISES / Clark.com - TRIP INSURANCE How To Plan a Trip: Clark's Best Travel Tips To Save Money 401(k) Match: What Is It, How It Works 401k Calculator With Match - Clark Howard New York Post: Visa is sued over ‘Vanilla’ gift card scam known as ‘draining’ What Is an ETF? Should We Worry About the National Debt and Budget Deficits?   Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Valentine’s Day! Where did we traditionally receive Valentine’s Day cards? The mail! There’s a big problem with our mail delivery service, and something is going to have to give. Also today, Amazon is in a fight for its life with competitors and the resultant clothing price war presents opportunity for you.   USPS Mail Delays: Segment 1 Ask Clark: Segment 2 Clothing Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mail freeze: Latest frigid weather is adding to the postal service's delivery woes - USA TODAY   NYTimes.com: Mail 3 Days a Week? Idea Meets Resistance in Britain. How to sell your house by owner What you should know before selling your home without an agent Selling your home yourself? Here’s how an ‘Agents Protected’ sign can help you Heard on the Street: Amazon Can’t Afford a Race to the Bottom - The Wall Street Journal. Clark Deals - Clothing Why You Need To Check Your PayPal Account for Automatic Payments 5 Steps To Getting a Good Deal on a Hotel Room PlugShare - EV Charging Station Map - Find a place to charge   Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With Valentine’s Day coming up tomorrow, it’s a good opportunity to give couples advice on how to avoid one of the most common things we fight over - money differences. Also today - Assumable mortgages allow qualifiers to potentially buy a house with one of the great rates that existed over the past few years. There’s a new site to help you find those homes for sale.  Couples & Money: Segment 1 Ask Clark: Segment 2 Assumable Mortgage Resource: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Financial Questions to Discuss Before Moving In With Your Partner New Love for Older Adults: Don’t Make the Same Financial Mistakes 42% of Adults Have Committed Financial Infidelity. Have You? 10 Steps for Having Better Money Conversations With Your Spouse What is an LLC? Limited Liability Company Structure and Benefits Defined What Is Umbrella Insurance and Do You Need It? Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Assumable Mortgage: What It Is, How It Works, Types, Pros and Cons A back door to a 3% mortgage rate? This startup has a plan to unlock housing market affordability  What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? Cruises - Clark.com / Costco Travel: 5 Things To Know Before You Book Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - So many of us are addicted to our smartphones and there are new devices and methods to help us break the habit and be more present. The discipline to ditch your phone for periods of time may improve your quality of life. Clark Stinks: Segments 1 & 2 Phone-free Quality Time: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 12 Things You Never Knew You Could Get From Your Local Library Streaming TV - Clark.com Best Free Password Managers: 7 Top Picks / 5 Tips To Protect Your Digital Privacy 3 Big Retirement Account Changes You Haven't Heard About Financial Independence, Retire Early: What You Need To Know About the ‘FIRE’ Movement Is Temu Legit? 4 Things To Know My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? How to Get Free Virus, Spyware and Malware Protection Phone-free and loving it: Why Yondr usage is spiking at schools, concerts, and soon, maybe, your living room Why Toilet Paper Has Gotten So Expensive 529 rollover to Roth IRA: A guide to conversion - CNN Free (or Cheap) College for Retirees in All 50 States How to Buy a New Car in 5 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

U.S. consumers pay more for prescription drugs than anywhere else on the planet, especially for vital brand medications that are not yet sold as generics. Clark explains this price disparity, reports on Florida’s move to import from Canada, and shares how you can save on meds today. Also - How Walmart is giving its workers a stake in the game and why that is good for business.  Save More On Meds: Segment 1 Ask Clark: Segment 2 Employee Ownership: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Florida Is First State Allowed to Import Drugs From Canada in Bid to Reduce Costs 10 Ways To Save on Prescription Drugs - Clark.com Exchanging Dollars for Foreign Currency Home Equity Loans & Lines of Credit: 7 Common Questions Answered Simple Interest Loans: Do They Exist? Rule of 78: Definition, How Lenders Use It, and Calculation NYTimes: Walmart Offers Store Managers Company Stock to Make Them Feel Like ‘Owners’ The #1 Difference Between 'Super Savers' and Average Savers 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Because of the pandemic, many employees are entering a corporate office environment for the first time, and companies are having to do special training to help them adjust. Clark has some advice for these new workers. Also today - After a period of punishing inflation, consumers are finally in the driver’s seat on prices. How? Clark explains our collective power in the marketplace.  Workplace Etiquette: Segment 1 Ask Clark: Segment 2 Consumers Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: We don't know how to behave in the office anymore, bosses say. The solution? Charm school  Why Sharing Your Layoff Publicly Feels So Good - The Wall Street Journal. Credit Card Car Rental Insurance: What You Need To Know Hertz is selling 20,000 electric vehicles to buy gasoline cars instead A Different Kind of Price War: Grocers vs. Big Food Makers Mortgage Recasting: What It Is And How It Works Accessible Travel Website Launches Major Expansion The future of U.S. train travel is here—and it’s not on Amtrak Where You Should (and Should Not) Book Your Next Vacation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Some reports estimate overall food waste at near 40%! That’s MONEY tossed away! There’s a simple way to help you SAVE MORE food & thus - stretch your grocery dollars. Also, Clark discusses options for those with I Bonds purchased at inflation’s peak, now with diminishing returns, and why I Bonds are still a good deal now.   Reduce Food Waste: Segment 1 Ask Clark: Segment 2 I Bond Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] This fridge hack can slash your food waste Is a Costco Membership Worth It? (Pros and Cons From 10 Readers) Your Guide to DIY Home Security Systems T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up How to Buy a Used Car in 7 Steps Is It A Good Time To Cash In Your I Bonds? 6 Things To Know About Series I Savings Bonds Vehicle History Report Scam: If You're Selling, Listen Up 7 Things To Know Before You Use Zelle 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

The stock market has hit record highs lately, which means investors can become misdirected by  “recency bias”.  What could go wrong?  Clark explains some market realities to keep in mind and the value of diversification. Also today, with tax season upon us make sure you know about tax filing options that are free. Investment Strategy: Segment 1 Ask Clark: Segment 2 Free Tax Filing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save and Invest the Clark Howard Way Wall Street hits record high following a 2-year round trip scarred by inflation - from USA TODAY NYTimes: After a Rip-Roaring 2023, the Markets Are Taking a Breather 10 Things You Must Know About Bull Markets Best Travel Credit Cards: Top Rewards Picks for 2024 What Brokerage Do You Recommend for First-Time Investors or Kids? Amazon - uni-ball 61255 Signo Gel 207  Black Ink Micro Fine Dozen Why You Should Never Mail a Check 8 Free Federal and State Tax Filing Services for 2024 IRS Free File: Free State and Federal Tax Filing Options for 2024 IRS set to launch its free tax filing pilot program. Here’s how it will work The Washington Post: How to file your taxes free, no matter your income or age The IRS doesn't send tax refunds by email or text TurboTax Can No Longer Advertise Products as Free, F.T.C. Says FTC finds TurboTax “free” is not free for most How To Find and Choose a Financial Advisor Advice-Only Network   /   Flat Fee Advisors How To Plan a Trip: Clark's Best Travel Tips To Save Money National Unclaimed Property Day How To Find and Claim Missing Money in Your Name Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit card debt is up 50% in the last 3 years with default rates on the rise, as higher interest rates exacerbate the problem. What would Clark do? Also today, many people have been waiting for the market to normalize before buying a vehicle. Clark shares good news and smart approaches to the purchase of both new and used cars.  Credit Card Debt Strategy: Segment 1 Ask Clark: Segment 2 Car Buying Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Lugging Credit Card Debt Into 2024? Now’s the Time to Make a Plan. Credit card delinquencies surpass pre-pandemic levels Why debt settlement companies are the wrong way to deal with high credit card debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling CREDIT CARD DEBT - Clark.com What Fee Level Does Clark Consider Acceptable For a Company 401(k)? How To Open a Roth IRA What Is a Thrift Savings Plan? 2024 will be the best year to buy a new car since 2019, economist says USA TODAY: Buying a car? FTC reveals crackdown on illegal scams to save you money The new CARS Rule: What you need to know The Best Car-Buying Services in 2024 How to Buy a New Car in 5 Steps / How to Buy a Used Car in 7 Steps What Are the Pros and Cons of the Costco Car Buying Program? Avoid the #1 Mistake That Car Buyers Make Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark offers a primer on the 3 basic types of funds - Mutual, Index, and the fastest growing area of investing: ETFs.  Also, there is a new rule for health insurers when you need medical preauthorization approval for treatment or a procedure.  And it’s about time.  Back To Basics: ETFs: Segment 1 Ask Clark: Segment 2 New Rules On Medical Preauthorization: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Invest in ETFs for Beginners  What Is an ETF?  Clark.com INVESTOPEDIA - Mutual Funds  /  Index Funds  /  ETFs Medicare Medical Savings Account (MSA) Plans Health Insurers Must Streamline Prior Authorization Decisions, New Rule Says - The WSJ Businesses Are Making Me Pay the Credit Card Processing Fee. Should I Pay Another Way? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Costco vs Sam’s and how Sam’s Club is using tech to make the customer experience easier.  Clark Stinks: Segments 1 & 2 Sam’s Club Scan & Go: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Match: What Is It, How It Works Here’s why electric cars don’t go as far in the cold EVs work fine in the cold in Norway. Here’s how they do it The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing How Do I Find Out the Exact Discount for Bundling Home and Auto Insurance? The Best International Phone Plans Is My Phone Unlocked? Here’s How To Know – iPhone and Android BringFido: Pet Friendly Hotels & Dog Travel Directory 7 Things To Know About Costco Pharmacy Clark Says These Streaming Changes Are Top Money-Saving Moves in 2024 Costco crackdown of membership sharing reaches next level The US Sun: ‘Catch up,’ Costco shopper tells store after rival Sam’s Club makes customers’ lives easier with receipt check change.   Sam’s Club Scan And Go / NYTimes: At Sam’s Club, a Human Will No Longer Check Your Receipt at the Door Clark Deals - TVs Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

While other crime is down post-pandemic, vehicle vandalism & theft rises. Clark discusses the great value of vehicle sentry cameras for prevention and recording of vehicle accidents and crimes. Also today - Alarmist headlines of layoffs and AI killing jobs don’t give you the full picture. Clark lends perspective on the nature of employment historically involving change, and the job growth happening now.  Vehicle Sentry Devices: Segment 1 Ask Clark: Segment 2 Where The Jobs Are: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This go-to tech gadget is like the Ring camera - but for your cargo bed - USA TODAY An Easy Way To Protect Your Truck From Theft Is AppleCare+ worth buying for your new Apple device? Clark Deals - Tablets Best Budgeting Apps in 2024: Our Top 5 Axios: Job market surprise: Construction employment is booming Remote Workers Are Losing Out on Promotions - The Wall Street Journal. HELOC Calculator - Clark Howard Can I Use a Target Date Retirement Fund for Intermediate Savings? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a Red Alert if you have a checkbook in your possession. Check theft is soaring at a time when people are writing fewer checks. Clark explains the weak links in the system, and the safest way to pay your bills. Also, the rising costs of homeowners insurance hits especially hard in areas prone to flooding, fires, and other environmental concerns. Know the additional steps to take concerning insurance BEFORE you buy a home.  Check Fraud Prevention: Segment 1 Ask Clark: Segment 2 Homeowners Insurance - Assessing Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: We Can’t Stop Writing Paper Checks. Thieves Love That. NYTimes: Stolen Checks Are for Sale Online. We Called Some of the Victims. The New York Times: What to Know About Writing Checks While Preventing Fraud How To Roll Over a 529 Plan to a Roth IRA The Artist's Way Where to Buy a Vacation Home Safe From Climate Risks Want to know if your future home might flood? These states are requiring disclosure. Climate Check - How Will Climate Change Affect Your Property? Donor-Advised Fund Definition, Sponsors, Pros & Cons, Example Why Big Banks Are a Bad Place for Your Cash How To Sell, Cancel or Get Rid of Your Timeshare Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

QR Codes have become fertile ground for criminals to load viruses and steal from you. Know how to avoid this now prevalent hazard. Also today, the big cell phone companies have made it incredibly expensive to use your phone when traveling outside the U.S. Hear Clark’s latest advice on how to handle this. QR Code Warning: Segment 1 Ask Clark: Segment 2 International Calling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: That QR Code You’re About to Scan Could Be Risky, F.T.C. Warns How QR codes work and what makes them dangerous – a computer scientist explains — The Conversation Scammers hide harmful links in QR codes to steal your information Is Temu Legit? 4 Things To Know Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit Dividend Reinvestment Plans (DRIPs) - Stocks - Investopedia How to Make a Disposable Razor Last 12 Months NYT - Come Home With Memories, Not a Shocking Phone Bill The Best International Phone Plans Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Cancel for Any Reason Trip Insurance: Should You Buy It? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - do you use apps to get points & free items at restaurants? Are there app tricks going on to get us to spend more money? A current lawsuit calls this into question - but the real issue is larger. What to know about app stored payment systems.  Clark Stinks: Segments 1 & 2 Restaurant & Retail In-App Payments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Simple Steps To Get Better Customer Service When Is the Best Day and Time To Call Customer Service? Clark's take: Why everyone should have a dash cam Clark Deals - Dashcams What Is Umbrella Insurance and Do You Need It? How to clean a washing machine and how often to do it Travel Archives - Clark Howard / Travel Archives - Clark Deals Ask Clark: What Is a Backdoor Roth IRA? A new complaint claims Starbucks’ app traps customers in a cycle of spending 10 Best Restaurant Apps for Fast Food Deals 16 of the Best High-Yield Online Savings Accounts in January 2024 What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Generation X in particular has faced unique challenges preparing for retirement. Clark talks about the factors involved and what this age group can do as they near their 60’s and beyond. Also today, in some states, housing prices have gone up 50% in the last 5 years. One solution Clark loves - composite, factory-built manufactured home building, is gaining traction in some places, but uptake will require cultural shifts. Gen X Retirement: Segment 1 Ask Clark: Segment 2 Manufactured Homes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gen Xers Ask: ‘Can I Afford to Retire?’ PEW Research - Older Workers Are Growing in Number and Earning Higher Wages ‘Flextirement’ is the future of work   Parents Are Spending Retirement Savings to Help Boomerang Children: FCC Affordable Connectivity Program Clark.com CAR RENTAL The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing Everything You Need To Know About Polybutylene Pipes How to Get a Mortgage in 8 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses his recent heart procedure, shares the good news of his progress and thanks all for the heartfelt well wishes he received. Also in this episode, if you’re looking to upgrade the size of your TV, there are some incredible deals out there right now. Clark points the way. Health Update: Segment 1 Ask Clark: Segment 2 Big TV Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - STREAMING TV Live TV Streaming Channel Tool Everything seems more expensive, so why is a big new TV cheaper than ever? Clark Deals - The best deals on TVs available now 10 Ways To Save Money on Car Insurance Car Insurance Archives - Clark Howard Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Clark Howard Podcast Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a dose of Clarkonomics. Clark shares his views on the state of the economy, including energy production and the stock market looking ahead. Also, you may have noticed fewer options when it comes to goods you buy, like toilet paper and paper towels. Clark explains how the pandemic forced new adaptive efficiencies in manufacturing, and why this is good for consumers Clarkonomics: Segment 1 Ask Clark: Segment 2 Retail: Less Choice - Lower Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: US wage growth, once an inflation risk, may be the prop a soft landing needs A lot of things are getting cheaper. Here's why you probably haven't noticed. The Federal Reserve will cut interest rates 6 times in 2024 as the economy shows clear signs of cooling down, ING says Opec+ now controls barely half of oil market, says IEA Surging U.S. Oil Production Brings Down Prices and Raises Climate Fears Should You Buy an Extended Warranty on Your Car? WSJ - Covid Slashed Consumer Choices. This Is Why They Aren’t Coming Back. This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario About Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

The IRS has been in the news for waiving penalties from prior tax years AND people are getting surprise tax bills. That has brought about a slew of companies advertising tax debt relief. Know what applies to you, and why you shouldn’t take the bait for “debt relief”. Also in the news, the lawsuit against Vanguard over its target date funds is moving through the courts. Know what role TDFs play in your portfolio and where they should NEVER be placed.  Tax Penalty Changes: Segment 1 Ask Clark: Segment 2 Vanguard’s Target Date Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] IRS is waiving $1B in penalties. Beware of tax debt relief companies. IRS Zaps Nearly $1 Billion in Penalties for Taxpayers - The Wall Street Journal. Surprise Bill Coming to Those Who Underpay Taxes  When Should You Get an Accountant To Do Your Taxes? How to Freeze Your Child's Credit Should You Make Your Child an Authorized User on Your Credit Card? Is Pet Insurance Worth It? What You Need To Know Before You Buy How To Create a Will Online Living Will and Durable Power of Attorney: Frequently Asked Questions Clark Howard's 5-Point Annual Checklist You Should Follow Lawsuit Over Vanguard’s Target-Date Funds Can Proceed, Judge Rules Target Date Funds: Clark's Favorite Retirement Investment Frequently Asked Questions on Gift Taxes What Is a Roth 401(k) and How Does It Work? Best Budgeting Apps in 2024: Our Top 5 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

The big pharmacies are folding under the pressure of competitive pricing. How to insure you pay less for prescriptions. Also today, Clark updates the state of the economy and interest rates, with guidance on how savers can lock in higher rates for longer. He also has an important warning about how to spot fake CDs.  Rx Pricing Changes: Segment 1 Ask Clark: Segment 2 CD Rates & Saving Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes - CVS Says It Will Change the Way Its Pharmacies Are Paid WSJ.com: CVS Plans to Overhaul How Much Drugs Cost Axios: CVS' drug price transparency push  /  Axios: CVS blows up PBM model CVS is shaking up drug pricing. You can thank Mark Cuban Walgreens Launches Digital Tool To Help Save On Prescription Costs 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? What Is a 403(b) and How Does It Work? Target Date Funds: Clark's Favorite Retirement Investment How To Find and Claim Missing Money in Your Name Now May Be the Time to Lock In High Interest Rates on Your Savings What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in January 2024 FDIC.gov / 3 Places You Should Never Invest Your Money IntraFi Network Deposits: ICS and CDARS Services from IntraFi He Stole Hundreds of iPhones and Looted People’s Life Savings. He Told Us How. Apple's New iOS 17 Security Feature Blocks Opportunistic iPhone Thieves Apple unveils new security feature to safeguard against thieves Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

The resolution to spend less can yield multiple benefits and there are various approaches. Clark explores a method called financial fasting. Also today, the U.S. is slowly adopting a method to simplify taxes, used by most other developed countries. See if this free online direct tax filing service called Direct File could work for you. Financial Fasting: Segment 1 Ask Clark: Segment 2 IRS: Direct File: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Financial Fasting Can Trim the Fat From Your Spending What Is Umbrella Insurance and Do You Need It? How To Find Cheap Flights in 3 Easy Steps 13 States Sign On to IRS Direct File Pilot Program IRS plans to launch free tax filing pilot program in 13 states next year Will an IRS Tax Prep Service Replace H&R Block or TurboTax? 4 Things You Should Always Pack in Your Carry-On Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares good news about his favorite type of retirement account. Also in today’s show, advice for used car buyers includes new tax incentives that just went into effect.  New Roth IRA Limits: Segment 1 Ask Clark: Segment 2 The Used EV Tax Credit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Looking to save in a Roth IRA next year? Here's what you need to know. - from USA TODAY How To Open a Roth IRA IRS provides tax inflation adjustments for tax year 2024 Best 529 College Savings Plans By State 529 rollover to Roth IRA: A guide to conversion Visible Review: 5 Things To Know Before You Sign Up Visible vs. Verizon Wireless: Plans, Pricing, Data and More Edmunds: Best used electric vehicles under $25,000 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re back and ready to talk about how you can save more, spend less, and avoid rip-offs in 2024! Up first - your cell phone bill! Cell phone rates are going up at twice the rate of inflation because we’ve gone from 4 national providers to 3. Clark has ways to help you SAVE. Also, know what to expect this year if you’ve been worried about paying tax bills on money received through Venmo, PayPal, Cash App, or other payment services. Save On Cell Phone Service: Segment 1 Ask Clark: Segment 2 Payment App Tax Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mobile phone bills up 5% over last year: doxo Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need CELL PHONES - Clark.com / STREAMING TV - Clark.com How To Watch the Top Video Streaming Services for Under $100 per Year Best Budgeting Apps in 2024: Our Top 5 IRS delays reporting rules for users of Venmo, Cash App and other payment apps How To Save Money With Google Flights Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.  Retirees Return To College: Segment 1 Ask Clark: Segment 2 Rent-To-Own Home Contracts: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why Retirees Are Going Back to College Flexcar: Your flexible alternative to car ownership T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts Authorized User vs. Joint Account Holder Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. How Do I Remove Myself as an Authorized User on a Credit Card? Rich Dad - The Power of the Corporation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark explains the hybrid vehicle advantage and the difference between plug-in and regular hybrids.  Clark Stinks: Segments 1 & 2 Hybrids 101: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids How To Save Money With Google Flights Children & Infant Travel | Delta Air Lines Southwest Airlines offers expanded family boarding ages on some flights 5 Money Lessons From Clark Howard's Trip to Europe Amica: 10 Things To Know Before You Get a Policy ChexSystems   /   Order Your Innovis Credit Report How to Request Your Clarity Consumer File Disclosure - Clarity Services, Inc. Security Freeze - LexisNexis Risk Solutions Consumer Disclosure How To Freeze Your Credit With Experian, Equifax and TransUnion What Is Disability Insurance and How Does It Work? America’s top-selling car will soon come only as a hybrid Can a Burglar Jam Your Wireless Security System? - Consumer Reports Your Guide to DIY Home Security Systems What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

New stats reveal many Americans are tapping retirement accounts for cash shortfalls. There are safety valves that allow access to these funds pre-retirement but doing so erodes future wealth. Clark discusses where to draw the line when faced with this dilemma. Also today, positive changes from Apple include a texting fix that’s long overdue. Borrowing From Retirement Accounts: Segment 1 Ask Clark: Segment 2 Apple’s Texting Fix: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retirement Accounts Are the New Emergency Funds 529 rollover to Roth IRA: A guide to conversion E-ZPass Group - Home E-PASS - Central Florida Expressway Authority NYTimes: Apple Says It Will Improve the Green vs. Blue Texting Experience Why unexpectedly high ambulance bills are still a problem in the U.S. How to Find Airline Mistake Fares and Save Big on Airfare Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many shoppers are into “dupes” - cheaper replicas of pricier products, especially clothing, cosmetics and accessories. So are they worth a try? A recent survey assesses quality vs savings on duplicate brands. Also today, Toyota was just fined for ripping customers off with car loans. But they’re not the only ones playing games in their finance offices. How to bypass this rip-off entirely.  Cheaper Duplicates Of Pricey Brands: Segment 1 Ask Clark: Segment 2 Car Loan Rip-offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 'Dupes' clothing, perfume craze lures holiday shoppers as major brands fret The Cheapest Places To Buy Contact Lenses The Best Places To Buy Eyeglasses Where To Get Cheap Eye Exams Toyota financing arm fined $60 million by consumer watchdog for car loan scam How to Buy a New Car in 5 Steps How to Buy a Used Car in 7 Steps  /  Best Used Car Websites in 2023 Fidelity Investments Review 2023: Pros & Cons Capital Gains Tax Rates for 2023 vs. 2024 Roth vs. Traditional 401(k): What's the Difference? Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, great news on a common device that can prevent cognitive decline by 46% - and it’s getting cheaper to buy every day! Clark Stinks: Segments 1 & 2 Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids 5 Things To Know About Series I Savings Bonds How To Dispute a Charge on Your Credit Card OTC hearing aids reduce cognitive decline by 48% Hearing Aids - Clark.com Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax season is around the corner. Clark wants to make sure you know about a government grant for retirement savers who meet the income guidelines. Also today - an important step you need to take if you’re thinking about buying into a homeowner or condo association.  Saver’s Tax Credit: Segment 1 Ask Clark: Segment 2 Assessing An HOA: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Saver's Credit: Who Qualifies for This Retirement Tax Break? Walmart+ Membership Program: 4 Things To Know What Is a Thrift Savings Plan? High-profile fights are taking aim at HOAs, but even greater challenges may lie ahead What Is Long-Term Care Insurance Cost & Coverage Should I Buy an Extended Warranty on Tires? TIRES - Clark.com Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares data affirming that affordability for first time home buyers is an ongoing challenge. So where’s the housing market headed next? What to know about home prices and interest rates moving forward. Also, Clark openly disdains the higher cost of food delivery. Now, many fine dine-in restaurants are offering a cost saving option.  HOLD! First Time Home Buying: Segment 1 Ask Clark: Segment 2 The Expansion Of Drive-Through Restaurants: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: What You Need to Earn to Own a Home in 50 American Cities Who Should Consider Setting Up a Trust? How To Find and Choose a Financial Advisor 7 Places to Get the Best Deals on Lab-Created Diamonds NYTimes: Hungry (but Not for Human Contact), Americans Head for the Drive-Through Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - do you ask for a credit score on the first date? People are approaching dating in more practical ways regarding financial stability. Clark discusses red flags and the importance of open communication around money from the get go.  Clark Stinks: Segments 1 & 2 Money And Dating: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Treasury Department aims to make it easier to get $7,500 EV tax credit in 2024 Automatic Bill Pay: How It Works and How To Do It Safely Should I Buy an AirTag for My Checked Airport Luggage? Are you leaving money on the table: How 1 in 4 couples is missing out on 401 (k) savings [The Washington Post] Forget the Cheesecake Factory. Here are real first-date red flags. Why women are turning the first date into a job interview Should You Make Your Child an Authorized User on Your Credit Card? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Capital One Venture Rewards Credit Card: Travel Credit Card Review Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation silver lining: New IRS tax brackets for 2024. By historical standards, tax rates are low - at 12% on average. Understand how this informs financial planning, from Roth IRA conversion to home buying. In an era of historically low tax rates, don’t fall for irrelevant “tax smart” pitches. Also today, a very scary reason why you should always receive paper statements or keep digital records for all financial accounts.   New Tax Brackets: Segment 1 Ask Clark: Segment 2 Financial Account Statements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Today in History - December 7 | Library of Congress Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 5.4% Should I Convert a Traditional IRA to a Roth IRA? How To Use Priceline To Save on Travel BBB-File a Complaint Return a Gift - Amazon Customer Service Clark’s Christmas Kids Why Banks Are Suddenly Closing Down Customer Accounts My Wells Fargo bank account was closed with no warning – I lost all my life savings but they said it didn’t exist The #1 Bill You Should Get by Mail What's the Best Place To Sell a Car in 2023? What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bin stores, aka discount, surplus or salvage outlets - go by many names, but collectively serve an oversupplied retail market these days. Such stores specialize in selling returns and other troubled goods, offering a shortcut to lower prices. Also today, home insurance is a broken market in coastal areas, but one coastal state is adapting so well, premiums have decreased.  Bin Store Savings: Segment 1 Ask Clark: Segment 2 New Coastal Building Standards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s a bin store, and why should you check one out? Should I Tip on a Cruise?  Booking a Cruise? Here Are 5 Ways To Do It for Less Clark does not purchase extended warranties! Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It? The Coastal State Where Home Insurance Is Relatively Affordable - WSJ Some houses are being built to stand up to hurricanes and sharply cut emissions, too NYTimes.com: A Climate Change Success Story? Look at Hoboken. Home Insurers To Be Scrutinized In Climate-Risk Study The Best Places To Sell Your Cell Phone Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now is the time to Save More. Clark makes economic predictions based on global indicators, with advice for timing saving and spending to get the most from your money. Also in this episode, a long promised technology is finally being tested - Amazon drone deliveries.  2024 Deflation: Segment 1 Ask Clark: Segment 2 Delivery Drones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Right Now Is a Bad Time to Spend Money China Is Making Too Much Stuff—and Other Countries Are Worried Has Your Emergency Savings Stash Grown? It Might Be Time For A Reality Check How To Create a Safe Password Telly's free TV could shake up the entertainment business Treasury: Series I bond rate is 5.27% through April 2024 NYTimes.com: Look, Up in the Sky! It’s a Can of Soup! How To Spot and Avoid Gift Card Scams The National Foundation for Credit Counseling Home - Elliott Report Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Who wants to be a millionaire? New data shows that 12% of American families are now millionaires. How they got there.  Clark Stinks: Segments 1 & 2 Becoming A Millionaire: Segment 3 Ask Clark: Segment 4 Mentioned on the show: DuckDuckGo — Privacy, simplified. WSJ.com: Never Mind the 1%. Mini-Millionaires Are Where Wealth Is Growing Fastest. Clark.com - Millionaires What Is an ABLE Account? How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, two very practical ways to prepare for your near and long-term future - doing a home inventory and saving for long-term care. Clark gets you prepared in case you ever need to make a home insurance claim, and then discusses the problems with the broken long term care industry. Learn what financial advisors recommend now, to plan for what 80% of older adults may someday need.  Home Inventory: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Digital Home Management and Why Is It Important? How To Store Your Important Financial Documents Online How Your Phone’s Camera Can Save You a Headache With Your Insurer Best Renters Insurance Companies and Ones To Avoid Actual Cash Value vs. Replacement Cost Value Coverage How Much Homeowners Insurance Do I Need? Best And Worst Homeowners Insurance Companies: October 2023 Are Money Market Funds a Safe Place To Stash My Savings? 3 Things Clark Says You Should Do With CDs Right Now Barrons.com: Most Seniors Will Need Long-Term Care. Here’s How to Save for It What Is Long-Term Care Insurance Cost & Coverage What Is an HSA Account and How Does It Work? Clark Howard’s #1 Rule Before You File an Auto Insurance Claim The American Community Survey: Is It Legitimate and Do You Have To Answer? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has new evidence to back up something he’s long been in favor of - automatic enrollment in retirement savings plans. How some states are making saving for retirement automatic for the people. And how you can make it happen for yourself. Also, have you ever dreamed of retiring abroad to save money? Clark offers three main areas of consideration before making a decision. Automatic SAVING: Segment 1 Ask Clark: Segment 2 Retiring Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More states are offering auto-enrollment retirement plans, and they seem to be working Why automatic savings works: How to do it & the best ways to save How To Open a Roth IRA Are You Following Clark's Maximum Auto Loan Length Rule? Is the Privacy App Permission Slip Worth It? A Review Is a Costco Executive Membership Worth It? The Pros and Cons of Retiring Abroad Where Would Clark Howard Live if Not in the United States? Combating Spoofed Robocalls with Caller ID Authentication How To Stop Spam Calls for Good Top Travel Deals - Clark Howard / How To Find Cheap Flights in 3 Easy Steps Upside App Review: 6 Things To Know Before You Sign Up Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One decision that will save you big money over time is to buy a used car instead of new. And there is good news along that front. Clark updates what’s happening with prices on both new and used cars. Also, airline boarding can be a big headache - inefficient and time consuming. Clark has the solution.  Used Car Prices: Segment 1 Ask Clark: Segment 2 Fixing Airline Boarding: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Report: 10 Used Cars With the Biggest Price Drops 10 Best SUVs You Can Buy Right Now Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? 14 Places To Listen to Free Music Online Airline boarding: how to end the game of thrones fight for baggage space Health Insurance Guide California could make it easier to scrub your personal data from the web. Businesses are pushing back Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent court ruling could eventually change the landscape for realtors, bringing U.S. commissions in line with global standards. Also today, it’s beyond Clarkrageous that big banks still pay zip on savings. Clark tells you how to get the most from your savings via CDs. Realtor Court Ruling: Segment 1 Ask Clark: Segment 2 Best CD Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPDATE 4-US jury finds realtors liable for inflating commissions, awards $1.78 bln damages Real estate heavyweights ordered to pay $1.7B, but big questions remain in high-stakes lawsuit Jury Verdict Could Reduce Real Estate Commissions, Slash Agent Head Count How To Roll Over A 529 Plan To A Roth IRA How To Make Your Online Accounts Accessible When You Die What Is an HSA Account and How Does It Work? Best Investment Companies for Investors in 2023 Big Banks Are Making Huge Profits Off Today’s Savings Rates—Are You? Vanguard CD rates - from USA Today 3 Things Clark Says You Should Do With CDs Right Now 14 of the Best High-Yield Online Savings Accounts in November 2023 Renew my Passport Online What Is Umbrella Insurance and Do You Need It? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.  Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs  Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Day! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA /  How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.   The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee /  CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - First time home buyers face many challenges now, but as homebuilders also feel the crunch, there’s a shift in the housing market that may benefit you.  Clark Stinks: Segments 1 & 2 Homebuilder Incentives: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Good Credit Score? How to Find a Geriatric Care Manager / Senior Planning Is it safe to buy travel from a warehouse club like Costco? Clark's tips on saving for college Why 'Buy Now, Pay Later' Worries Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Global Entry: 5 Things To Know Before You Sign Up Homebuilders turn to incentives to draw in priced-out buyer pool Mortgages Archives - Clark Howard Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons So, you've frozen your credit: What to do next? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How should couples handle money? Clark has some tried & true recommendations. Also, criminals are doing address changes on people with the postal service to steal their mail, with disastrous consequences. What you need to know about new USPS security standards.  Couples & Money: Segment 1 Ask Clark: Segment 2 USPS Change Of Address ID Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Joint Bank Accounts the Secret to a Happy Marriage? - The WSJ Common Cents: Bank Account Structure and Couples’ Relationship Dynamics Clark Howard's 5 Money Tips for Couples The Average Credit Score in America 4 Ways To Get Your Free Credit Score What Is a Good Credit Score? 5 Money Tips To Know Before You Travel Abroad USA TODAY: USPS address change policy requiring customers to verify identity Best Credit Cards for Students: Top Picks for 2023 Citi to Cardholders: Go Paperless or Else Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about some of the perils of self-checkout and the new fully automated stores.  Clark Stinks: Segments 1 & 2 Fully Automated Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy a Used Car in 7 Steps 10 Ways To Save Money on Car Insurance 401(k) Match: What Is It, How It Works Axios: Chamblee market says no checkout, no cashier, no problem How To Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit How To Dispute a Charge on Your Credit Card Submit a complaint | Consumer Financial Protection Bureau Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Clark tells you how Airbnb‘s legal battles and new restrictions affect both customers and landlords. Also in this episode, there are extreme changes going on in the jewelry business that can save you a fortune!  Short-term Rental Restrictions: Segment 1 Ask Clark: Segment 2 Lab Created Diamonds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TN Supreme Court delivers partial win for Airbnb in legal disputes with HOAs - USA TODAY 4 Ways To Stop Junk Mail [The Washington Post] Will you take this (lab-grown) ring? Prada hopes so. How 2023 became the year of the lab-grown diamond Clark.com - Cell Phones Should I Keep My Old Car or Buy a New Car? How To Plan a Trip: Clark's Best Travel Tips To Save Money Costco Travel: 5 Things To Know Before You Book How to Make a Disposable Razor Last 12 Months Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, approaching Veteran’s Day, Clark has valuable info for those who serve or have served in our military about scams aimed at veterans, and deals available to veterans.  Clark Stinks: Segments 1 & 2 Deals For Veterans + Scam Alerts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash 10 Ways To Save Money on Car Insurance 5 Credit Card Mistakes To Avoid How to Buy a Used Car in 7 Steps CarMax Review: 5 Things To Know Before You Buy or Sell Veterans Should Look Out for These Scams Clark.com Military guide Clark.com 25+ places that offer discounts for veterans Best Cash Back Credit Cards With No Annual Fee The Business Model of Reinsurance Companies Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

There’s an industry wide problem in the travel industry. Clark explains the danger you face when searching for travel deals online. Also today, Clark discusses how hospital systems drive up costs and how to save money on medical procedures. Bogus Travel Sites: Segment 1 Ask Clark: Segment 2 Save On Medical Procedures: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hotel deals harder to find as third-party travel sites mirror each others' rates Is Amazon Prime Worth It? 12 Common Amazon Scams To Avoid Clark Deals - Today's Best Deals of the Day Are Your Hospital Outpatient Department Costs Too High? A Doctor's Office May Help How To Open a Roth IRA How Many Credit Cards Should I Have? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - New reporting indicates that some credit unions are not behaving in the way that represents their members. Clark explains what you need to know about the superior choice for banking: credit unions.  Clark Stinks: Segments 1 & 2 Credit Unions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check Top Travel Deals - Clark Howard Clark's National Travel Deals - Clark Howard How much does real estate agent experience matter? Here’s what the data says. Credit Unions Are Making Money Off People Living Paycheck to Paycheck Credit Union vs. Bank: What's the Difference? Virtual Credit Cards: An Online Security Measure Worth Taking? Elliott Report Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Fake sales are standard practice but especially abundant during the holiday season. Learn how promotional merchandise works to trick consumers into thinking they’re getting deals & how to tell a real bargain from a fake one. Also today - It’s a brutal housing market for would-be first time buyers. Renting & waiting is a viable alternative. Those needing to go ahead and buy now have more choice from new construction, and several avenues to explore to make a home purchase more affordable, including ARMs & ADUs. Retail Mind Games: Segment 1 Ask Clark: Segment 2 Home Buying Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retailers are using a simple mind trick on you to make their discounts seem bigger than they are  Disney World and Disneyland raise prices for passes and tickets Google Play - Property Assistant by Flyreel The Real Reason Why Your Insurer May Not Renew Your Policy Axios:Charted: Homebuyers' call to ARMs Tiny Homes Are the Hot New Homeowners’ Accessory - WSJ How To Buy a House in 9 Steps / Is It Safe To Buy a Home Out of Foreclosure? Best 529 College Savings Plans By State Simple Interest vs. Compound Interest: The Main Differences How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Finding a financial advisor who won’t rip you off is tricky business. Clark shares some new ways to find your true fiduciary. Also, get the update on Walmart’s innovative in-store healthcare facilities. Financial Advisors: Segment 1 Ask Clark: Segment 2 Walmart Health Centers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Financial Advisor and Do I Need One? Advice-Only Network  /  Flat Fee Advisors Should I Purchase Mortgage Life Insurance? What Is Mortgage Protection Insurance and Do You Need It? How To Buy Term Life Insurance in 7 Easy Steps Walmart expands online healthcare benefits for US employees Senior Care: Planning for the Future What Brokerage Do You Recommend for First-Time Investors or Kids? How To Open a Roth IRA When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played.  What Super Savers Know: Segment 1 Ask Clark: Segment 2 Seeing Dark Patterns Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here are the top sacrifices made by 'super savers' The Millionaire Next Door How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? How to Buy a Used Car in 7 Steps Why You Might Want To Dump Your Delta Credit Card Now Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation 7 Things To Know About the Venmo Credit Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about why Buy Now Pay Later, aka Pay in 4 services, have become a disaster for so many, especially Gen Zers.  Clark Stinks: Segments 1 & 2 Pay In 4 Is A Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Airline Credit Cards for 2023: Are They Right For You? Select Delta Customers Will Receive a Valuable New Credit Card Perk Cruises for Singles and Solo Travelers Investors criticize federal retirement savings program over new system AnnualCreditReport.com / 4 Ways To Get Your Free Credit Score Safely Order High Security Checks Online - Costco Checks Sam's Club Checks - High Security Checks Costco vs. Sam's Club: What Is the Difference? 10 Best New Products at Costco in October NYTimes: Gen Z Is Poised to Spend More on Debt Than Others. It Could Derail Retirement.   Buy Now Pay Later users: young and well-off but nearing a financial cliff, poll shows New York Fed: Many Buy Now, Pay Later users are financially fragile Vanguard Personal Advisor Review Elliott Report Member's Mark Luggage at Sam's Club Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark goes Back To Basic on auto insurance. Due to gigantic premium increases, more people are going without or buying minimums, which can be risky. Learn what coverage you’ve GOT to have, and how to make decisions regarding collision, comprehensive, and deductibles. Once you figure your coverage, you’re ready to shop insurers. Also, end of life discussions are not easy to initiate, but talks about your own or an aging loved one’s end-of-life care and burial arrangements - making wishes known - deeply benefit all concerned. Determine Your Auto Coverage: Segment 1 Ask Clark: Segment 2 End-Of-Life Talks: Segment 3 Ask Clark: Segment 4 Mentioned on the show 10 Ways To Save Money on Car Insurance Collision vs Comprehensive Car Insurance: Which Do You Need? Bluebird AMEX Prepaid Debit Account Agreement International Travel Tips: 26 Things to Know Before Going Overseas Why You Should Keep Old Credit Card Accounts Open Stop putting off the end-of-life talk with your aging loved ones. Here's what to say What to Discuss With Your Aging Parents as They Get Older Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard When Do You Need a Travel Agent? The Only Way You Should Pay for a Cruise Travel Insurance? What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you use autopay for credit card bills? If so, Clark has a warning for you. Also, life is about change and that’s surely evident with jobs & career opportunity. Clark looks at the fastest growing jobs today, including college requirements and average pay.  Credit Card Autopay Warning: Segment 1 Ask Clark: Segment 2 Job Growth Fields: Segment 3 Ask Clark: Segment 4 Mentioned on the show Autopay Is Making Us Worse at Managing Credit-Card Bills - The Wall Street Journal. Automatic Bill Pay: How It Works and How To Do It Safely Clark Howard's Advice Before You Buy a Franchise Watch out for Avis/Budget Fuel charges [Crazy customer support call experience] Here are the best high-paying and fast-growing jobs for the next decade Healthcare.gov What Is an HSA Account and How Does It Work? How To Switch Banks in 4 Simple Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, many a tale of woe proves the point: It’s important to have beneficiaries up to date and to understand which takes precedence - a beneficiary designation or a will and trust. Clark Stinks: Segments 1 & 2 Update Your Beneficiaries: Segment 3 Ask Clark: Segment 4 Mentioned on the show AutoSlash Review: How To Save on a Rental Car How To Make Your Online Accounts Accessible When You Die What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? Safe Browser Alternatives That Promise Not To Track You Wills & Funerals Archives - Clark Howard Wills versus Trust - Clark Howard Community Who Should Consider Setting Up a Trust? Best Online Will Maker: 5 Free or Cheap Options We Just Got Married. How Do We Blend Our Finances? What Is Long-Term Care Insurance Cost & Coverage Senior Care Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Scams persist, ubiquitous & unabated. So must our warnings!  Be hip to the latest ways crooks are trying to separate you from your money. Also in this episode - prenuptial agreements are more common these days. Why Clark has a hard time talking about them, and some of  the circumstances that warrant this legal arrangement.  Be SCAM Aware: Segment 1 Ask Clark: Segment 2 Prenups: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYT - You’ve Got (Scam) Mail Actors Impersonating Federal Agents Called Seniors. About 12% Handed Over Sensitive Info. How to avoid the No. 1 text message scam putting your money at risk 22 Ways To Save Money on Groceries Flexcar: Your flexible alternative to car ownership Axios: America embraces prenups: 50% of adults open to signing BBB - Amica Mutual Insurance Company Best Auto Insurance Companies and Some of the Worst: September 2023 Someone got so fed up with GE fridge DRM – yes, fridge DRM – they made a whole website on how to bypass it Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares new work-from-home statistics and how that is shifting businesses. Also in this episode: When it comes to your investments, knowing what the fees are in the funds you choose is crucial. The fee difference can translate into huge money you could miss out on in retirement. So investors, Clark has an assignment for you!  Working From Home: Segment 1 Ask Clark: Segment 2 Index Fund Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios Chart: Who works from home Even a Booming Economy Can’t Save Atlanta’s Office Market Workplace loneliness is the modern pandemic damaging lives and hurting businesses — The Conversation What Is Umbrella Insurance and Do You Need It? What Are Index Funds? / What Is an ETF? You Might Be Paying Too Much for That Index Fund - The Wall Street Journal. Why You Should Never Invest With a Bank 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2023 How To Open a Roth IRA Best Cash Back Credit Cards With No Annual Fee Best Small Business Credit Cards: Top Picks for 2023 Should You Get a Business Credit Card? | When is it Worth it? What Should You Do About Phone Data on an International Trip? The Best Places To Buy Unlocked Phones The Best International Phone Plans International Travel Tips: 26 Things to Know Before Going Overseas Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When buying or selling a home, your choice of a real estate agent is much more important than you may think.  Also today, Clark has good news on the new car purchase front - but it’s a double message. Get the lay of the land on current cost considerations if you’re in the market for a new vehicle.  Choosing A Real Estate Agent: Segment 1 Ask Clark: Segment 2 Buying A New Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show How much does real estate agent experience matter? Here's what the data says. The Clark-Approved Way To Invest in Real Estate The Only Reason You Should Make an Improvement to Your Home Annual New Car Ownership Costs Boil Over $12K The Rising Costs of Owning a Car How much does it cost to raise a child? College may no longer be the biggest expense. Clark.com - How to Buy a New Car in 5 Steps Clark.com - How to Buy a Used Car in 7 Steps Costco Auto Program: Deep Discounts on Volvos and Audis Deep Discounts on New Mercedes Benz Cars Should I Keep My Old Car or Buy a New Car? Fidelity Personalized Planning & Advice Review Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

It’s a frustrating game - appealing a denied medical claim. They’re counting on you to give up. Don’t. Clark shares the best approach and strategies. Also, housing market conditions remain hostile for first time home buyers. Some sources say now is the time to buy. Clark offers a different opinion, and direction moving forward.  Health Insurance Claim Appeal: Segment 1 Ask Clark: Segment 2 First Time Home Buyers: Segment 3 Ask Clark: Segment 4 Mentioned on the show I Set Out to Create a Simple Map for How to Appeal Your Insurance Denial. Instead, I Found a Mind-Boggling Labyrinth. Health Insurance Guide / Health Insurance Archives - Clark Howard 10 Ways To Save on Prescription Drugs 40% More Savings on Nearly 200 Medications at Walgreens with GoodRX A 3% Mortgage Rate in a 7% World? This Startup Says It Can Do That Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Out of the massive and ongoing losses of the pandemic, many people reassessed their lives and livelihoods. This reset has led to a wave of new businesses. Clark discusses how this is outstanding for the American economy, the hope and hazard of entrepreneurship - and the upstart scammers that startups must look out for. Also today, are you obsessed with your fitness devices? This can become a problem for some… including Clark.  Small Business: Pride & Peril: Segment 1 Ask Clark: Segment 2 Fitness Devices: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Pandemic Small-Business Boom Is Fueling the US Economy Vetting a business or coaching opportunity before you buy in How To Find and Choose a Financial Advisor Your Fitbit and Apple Watch may wind up hurting you Yes, your smart TV is spying on you – Here's how to stop it Save $30 with a new Costco membership Homeowners Insurance Archives - Clark Howard California changes homeowner's insurance to repair the market Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Something else stinks - Medicare advantage plans! Clark explains the Medicare advantage plan trap in existence in most states.  Clark Stinks: Segments 1 & 2 Medicare Dis-Advantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Fi Wireless Review: Things To Know Before You Sign Up Longevity Insurance: What Is It and Do You Need It? 2 Ways To Guarantee Yourself a Lifetime Stream of Income What Is an Annuity, and Why Does Clark Think They Stink? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Why Clark Howard Added This Credit Card to His Wallet in 2022 Many Medicare Advantage Members Find Challenges With Plans, Survey Finds Why I Think Medicare Advantage Plans Stink - Clark Howard Here Are Your Home Warranty Horror Stories What Does a Home Warranty Cover, and Is It Worth The Money? Clark Howard's Guide to Saving Money on Your Wedding Free Audiobooks: 11 Places Online and Apps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how the credit card reward game goes through cycles, and where we are now in terms of you applying for credit. And with interest rates high, if you do carry debt, know the best kind of card to use.  Also today - fees are creeping into everything! Get Clark’s warning about new online shopping fees you could easily miss. Credit Card Offers & Interest: Segment 1 Ask Clark: Segment 2 Junk Fees Are Morphing: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Ways Credit Union Credit Cards Can Beat Flashy Bank Offers Credit Card Offers Are Eroding The most insidious part of online shopping is about to get even worse Safe Browser Alternatives That Promise Not To Track You Brave: Secure, Fast, & Private Web Browser with Adblocker Get Firefox browser — Mozilla (US)  /  DuckDuckGo — Privacy, simplified. How To Freeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the best decisions you can make is to start saving for retirement early. Clark discusses the psychology behind saving. Also, pharmacy errors have become all too common and can cause great harm. Clark has an important tip to help make sure you’re getting the correct medication.   Get Psyched For Saving: Segment 1 Ask Clark: Segment 2 Pharmacy Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ.com: The Secret to Saving for Retirement: Start Before You’re 20 How Our Brains Affect Our Savings Habits -- and What Experts Say to Do About It If you start early and save this much a month you could have a decent retirement Bloomberg Industry Group: Benefits & Executive Compensation News: Retirement Savings Shortfall in US Will Cost $1.3 Trillion Cheapest Way to Rent a Car: Expert Tips Turo: 5 Things To Know About the Cheap Car Rental Service Pharmacies fight to keep errors secret How To Find and Choose a Financial Advisor What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - your privacy online. Europe's Digital Service Act is changing the online experience. Many of us are ignoring new privacy reminders. Clark explains why we’re seeing these, and why you should respond. Clark Stinks: Segments 1 & 2 Enhanced Online Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show 8 Tips for Staying Cool Without Heating Up Your Energy Bill Travel Insurance? What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Apple Recycling Programs [The Washington Post] What the E.U.’s sweeping rules for Big Tech mean for your life online Privacy Archives - Clark Howard Who Should Consider Setting Up a Trust? Reasons To Consolidate Retirement Accounts Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark.com provides in-depth coverage of cell phone plans, including pre-paid options. While the big 3 push higher bills at a time of marginal growth, 1 in 4 customers have gone to discounters. There are so many new cell phone plans out there - consider switching to save big bucks. Something else that can save  big money is to travel to a foreign country for dental care. This potential alternative is an important, individual, research based choice. Prepaid Phone Plans: Segment 1 Ask Clark: Segment 2 Dental Tourism: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need Why You Should Consider a Prepaid Phone Plan Fierce Wireless - AT&T launches new prepaid plan at Walmart, Target Cricket Wireless: New Multi-Month Unlimited Plans From $30/Month Cricket Wireless Review: 5 Things To Know Before You Sign Up Clark Howard's Guide to Saving Money on Your Wedding How a Tiny Mexican Border City Built a Budget Dental Empire - Bloomberg Clark.com - Is Medical Tourism Right for You? Best 529 College Savings Plans By State Families can make a tax-free rollover from 529 plans to Roth IRAs in 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a brewing war between food delivery services and restaurants and it’s costing customers. Clark discusses the big price difference between food delivery vs pickup or dining in, and the embedded cost of using food apps. Also, due to the unreliability of flight schedules, more people are driving to destinations they can reach in 8 hours or less. As an alternative, there are more discounted bus service options today to consider. A look at regional bus radial routes may save you money on travel Food Delivery Costs: Segment 1 Ask Clark: Segment 2 Bus Travel: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Who Should Eat the Cost of Pricier Delivery Menus? Food Delivery - DoorDash UberEats etc - Clark Howard Community What Is a Spousal IRA and What Are the Rules? 5 Things to Know About the Costco Car Rental Program Credit Card Car Rental Insurance: What You Need To Know Traveling by Bus Is No Longer a Plan B for Many Americans - The Wall Street Journal. Skiplagging: How it works and why the airlines can't stand it Amazon Clinic Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the U.S. has the highest credit card processing merchant fees in the world - the system that feeds credit card rewards. Clark explains the industry battle surrounding the proposed Credit Card Competition act of 2023, which would allow free market competition for merchant processing. Learn what’s at stake and where Clark stands on getting U.S. fees aligned with the world standard. Clark Stinks: Segments 1 & 2 The Credit Card Competition Act: Segment 3 Ask Clark: Segment 4 Mentioned on the show Home Equity Loan vs. HELOC: What's the Difference? Aven HELOC Card: 5 Things To Know About the Home Equity Credit Card Credit Card Car Rental Insurance: What You Need To Know Target Date Funds: Clark's Favorite Retirement Investment Equifax - Can Creditors Go After My Retirement Accounts? 3 Strategies for Building a Core Portfolio Should I Buy an AirTag for My Checked Airport Luggage? 4 Things To Know Before You Buy a Digital TV Antenna WSJ - Visa, Mastercard Prepare to Raise Credit-Card Fees Congress.gov - S.1838 - Credit Card Competition Act of 2023 Clark.com -Are Credit Card Rewards Going Away? The Best Places To Buy Unlocked Phones 6 Things To Know Before You Buy Gas at Costco Wholesale TOP TIER™ Gasoline Brands Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares new information about the job market including what workers want most, and opportunity for over 50 workers. Also today, an uncertain economy has bred many finance stories about the cheapest places to live. But moving for financial reasons is a big decision with multiple factors to consider. How to figure out if you should move for money.  Employment Trends: Segment 1 Ask Clark: Segment 2 Financial Relocation: Segment 3 Ask Clark: Segment 4 Mentioned on the show Over 50? You’re a Hot Ticket in Today’s Labor Market What 89% of Workers Are Willing To Give Up Their Job For This Company Created a Return-to-Office Plan That Employees Actually Like What Is Deferred Compensation? - Investopedia Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 How Does Booking Travel Through a Credit Card Rewards Program Compare? Charging an EV? Get Cash Back from Your Credit Card Should You Move for Financial Reasons? What to Know What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Sell Your Car in 5 Steps What's the Best Place To Sell a Car in 2023? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has an important warning about what to look out for when doing travel research online. Also in this episode, Clark discusses why this is the sweetest era to be an entrepreneur and how gig, contract & freelance work is reshaping the economy FAKE Travel Guides: Segment 1 Ask Clark: Segment 2 The Gig Work Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show SOUTHWEST - Fall sale to high-tail it outta town. NYTimes.com: A New Frontier for Travel Scammers: A.I.-Generated Guidebooks Use this free tool to spot fake Amazon and Yelp reviews Going™ | Formerly Scott's Cheap Flights / KAYAK Explore Priceline - Find Cheap Hotel Rooms & Discount Hotels Top Travel Deals - Clark Howard / Clark Deals - TRAVEL How To Find Cheap Flights in 3 Easy Steps The rise of gig workers is changing the face of the US economy How To Save Money on Gas: 23 Ways 7 Money Mistakes You Might Be Making at the Gas Station T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust.  Is An HSA Right For You? Segment 1 Ask Clark: Segment 2 Beware Private Placement Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Healthcare Plan Most People Should Buy—and Why They Don’t WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts What Is an HSA Account and How Does It Work? Raisin Review: Can You Trust This Online Savings Marketplace? Price Drop on Used Electric Cars: Is Now the Time To Buy? Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal. Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

It’s time to think about holiday travel plans and Clark has some guidance on the best time and way to book flights. Also today, surprise medical bills persist and massive, inaccurate hospital bills remain the main culprit. Clark offers strategies for both the insured and uninsured facing hospital costs.  Holiday Air Travel: Segment 1 Ask Clark: Segment 2 Hospital Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Says This Is the Best Time to Book Cheap Holiday Flights Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money How To Find Cheap Flights in 3 Easy Steps Cheapest Way to Rent a Car: Expert Tips Inaccurate Medical Billing Creates Problems for Older Adults Medical Facilities Far From Hospitals Are Charging Hospital Rates As ‘Satellites.’ What Gives? How To Find a Trustworthy Mechanic Trustpilot Review: Is Trustpilot Legit? How to find the best auto repair shops Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Car thieves are going high-tech to get around anti-theft technology. Clark explains 2 simple ways to protect your vehicle, including inexpensive, widely available car key RFID signal blockers.  Also today, an important privacy warning for Venmo users and a key NEVER NEVER NOT EVER rule for using pay apps. Car Theft Protection: Segment 1 Ask Clark: Segment 2 Venmo Privacy Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show To steal today's computerized cars, thieves go high-tech — The Conversation Clark.com – Best High-Yield Online Savings Accounts NYTimes: This Is a Reminder That You’re Probably Oversharing on Venmo Do you use payment apps like Venmo, CashApp, or Zelle? Read this U.S. Senators Urge Regulators to Hold Zelle Accountable for Inadequate Protections to Stop Fraudulently Induced Payments How To Make Your Venmo Transactions Private T-Mobile: Credit Card Payments No Longer Include AutoPay Discounts Overdraft Protection: What Is It? Do You Really Need It? 9 Things on Deep Discount in September  /  Clark Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Labor Day Weekend! Please enjoy this Best Of episode. Clark returns Tuesday September 5 The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much, if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.  The No Surprises Act & Your Rights: Segment 1 Ask Clark: Segment 2 Your Rainy Day Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 Understand your rights against surprise medical bills - CMS Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors? Bankrate's Annual Emergency Fund Report | Bankrate Emergency Fund: Everything You Need to Know Fidelity Investments Review 2022: Pros & Cons Money market funds - Fidelity Investments The Monte Carlo Simulation: Understanding the Basics Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Reviews can help you make decisions on all kinds of purchases, from merchandise to services and travel. But how can you trust them? Clark offers some insights & guidance. Also today, unusual factors in the diamond market are affecting the price of traditional and lab diamonds.  Insights On Reading Reviews: Segment 1 Ask Clark: Segment 2 Diamond Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Customer Ratings Have Become Meaningless. ‘People Hand Out 5 Stars Like It’s Candy.’ Trustpilot Review: Is Trustpilot Legit? Coverdell Education Savings Account (ESA): How They Work Best 529 College Savings Plans By State Vanguard Personal Advisor Review Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity The #1 Thing Clark Howard Hates About Solar Panels Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Getting Engaged Just Got Cheaper as Diamond Market Adjusts The Best Time and Place To Buy an Engagement Ring How To Build Credit  / Credit Karma Review How to Report Your Rent to Credit Bureaus The Best Time and Place To Buy a TV  / ClarkDeals - TVs 4 Things to Know Before You Buy a TV From Costco Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Even as summer winds down, people are still looking for great airfare deals. There’s a new resource from Going that may help. Plus, the story of one Mom’s mission to find her daughter’s lost luggage speaks to a travel NEVER NEVER rule Clark has long held. Also today - Auto insurance rates are going way up due to various market pressures. Clark discusses why dash cams are essential, and what you can expect to pay for one.  Air Travel: Savings & Strategy: Segment 1 Ask Clark: Segment 2 Dash Cams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Price Drop: Domestic Fares Are Getting Cheaper The Best and Worst US Airports for Cheap Domestic Flights The Best and Worst US Airports for Cheap International Flights Airlines slash domestic flight prices as demand dwindles, overseas travel surges Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy an AirTag for My Checked Airport Luggage? Travel Archives - Clark Howard / Travel - Clark Deals Dash cam sales rising fast due to safety-conscious drivers 3 Reasons to Buy a Dashboard Camera for Your Car—and 4 Reasons Not To - WSJ Clark - everyone should have a dash cam - Clark Howard Community Should You Buy an Extended Warranty on Your Car? Should You Respond to Class-Action Lawsuits? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Football season is upon us and sports betting is growing in popularity. Clark describes how the nature of sports gambling has changed and pitfalls to be aware of. Also in this episode, there’s currently a horrible scam that is exploiting grief to rip off those who have just lost a loved one. Clark describes how this works so you and your loved ones stay in the know.  Sports Betting: Segment 1 Ask Clark: Segment 2 Funeral Home Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Dark side of sports betting DraftKings and Other Sports Gambling Apps Are Hitting the Jackpot With ‘Parlay’ Bets. As They Win, You Lose. How To Get a Gym Membership for Practically Free Supplement and Vitamin Certification | NSF / USP Verification Services Alert: Funeral Home Scam Targets Grieving Families ‘Despicable’ funeral home scam preys on grieving family members Snopes - 'Shark Tank' Keto Gummies Weight Loss Reviews Are a Scam Is Pet Insurance Worth It? What You Need To Know Before You Buy 4 Things To Know Before You Buy a Digital TV Antenna Minimum Internet Speed Requirements for Streaming TV Services Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, a back to basics primer on Clark’s favorite method of investing: dollar-cost averaging, the popular, yet controversial set-it-and-forget-it way to invest. Clark Stinks: Segments 1 & 2 Dollar-Cost Averaging: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Pack a Carry-On the Right Way LA Times - Most-downloaded app in App Store sells products linked to forced labor in China, analysis shows Cheapest Way to Rent a Car: Expert Tips Dollar-Cost Averaging: How Does DCA Work, And Should You Do It? Clark.com - Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Consumer Reports - Best Dishwashers of 2023 Should You Buy a Car With a Salvage Title? How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.  Retirees Return To College: Segment 1 Ask Clark: Segment 2 Rent-To-Own Home Contracts: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why Retirees Are Going Back to College Flexcar: Your flexible alternative to car ownership T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts Authorized User vs. Joint Account Holder Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. How Do I Remove Myself as an Authorized User on a Credit Card? Rich Dad - The Power of the Corporation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you experienced “the bum’s rush” feeling at a restaurant giving you a time limit on your table? This is a trend Clark has experienced and it seems to sacrifice hospitality for time management. Necessary? Also today - Amazon is trying to fix its problems with grocery sales, streamlining the process.  Restaurant Time Limits: Segment 1 Ask Clark: Segment 2 Amazon’s Grocery Overhaul: Segment 3 Ask Clark: Segment 4 Mentioned on the show Are time limits at restaurants a reasonable new trend or inhospitable experience? | USA TODAY How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment 14 of the Best High-Yield Online Savings Accounts in August 2023 What Is an eSIM? 5 Things To Know The Best International Phone Plans Free Audiobooks: 11 Places Online and Apps / Amazon First Reads Amazon Unveils Biggest Grocery Overhaul Since Buying Whole Foods Can a Patient Advocate Help With Your Medical Bills? How To Get a Free Credit Report / How To Monitor Your Credit 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Make sure you have all of your financial accounts organized. Today people change jobs frequently, often leading to a confusing menagerie of retirement accounts. Streamlining investments helps you manage a sustainable retirement, and helps prevent losing track of savings. Also today, travel warnings about booking tours and cruises. Those industries have had a lot of instability. Clark offers some tricks of the trade for smart booking including the best way to pay, and a NEVER NEVER rule about trip insurance  Organizing Retirement Accounts: Segment 1 Ask Clark: Segment 2 Travel Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Three Strategies to Organize Your Retirement Accounts 401(k) Rollover: What You Need To Know & Options What Are Index Funds? / What Is an ETF? Dollar Cost Averaging Makes You a Fortune Over Time 6 Things to Know Before You Sign Up for Tracfone Wireless Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need NYTimes: Help! I Signed Up for a $4,800 Bird-Watching Trip but the Company Shut Down. Gainesville couple out thousands of dollars after Vantage Travel suddenly goes out of business Vantage lays off employees weeks after announcing it was up for sale How To Choose a Tour Company Travel Insurance? What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? Evaluate Life Insurance - Consumer Federation of America Paying for Long-Term Care: How It's Changing How Do You Prepare for the Likelihood of Long-Term Care Costs? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

The dominance of plastic and electronic forms of payment has made it more difficult to teach kids money basics. Not using real cash makes money seem like an infinite resource. Spending cards with parental controls has been the marketplace answer with fees attached. Clark discusses a new free offering from Chase. Also, renting goods is trending stronger these days, as all types of subscriptions are getting more expensive. Taken all together, these things can eat up your wallet over time. Clark breaks down the two subscription types with advice on how to reconcile your budget with the choices you have.  Youth Spending Cards: Segment 1 Ask Clark: Segment 2 Renting & Subscriptions Of Goods & Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How Today’s Teens Get More Financial Firepower Than Past Generations This No-Fee Debit Card Lets Parents Supervise Spending - WSJ Venmo / CashApp for Grandkids - Clark Howard Community Best Credit Cards for Students: Top Picks for 2023 Why Clark Howard Is So Excited About His Wedding Band The shift from owning to renting goods is ushering in a new era of consumerism — The Conversation 7 Types of Subscriptions You May Want To Cancel Today How To Manage Your Monthly Subscriptions To Save Money Best Credit Cards for Extended Warranty: Top Picks for 2023 Team Clark Guarantee - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

NFL football! Clark discusses the new Verizon deal on NFL Sunday Ticket and what you’ve got to know before kick off! Also - good news for fellow travelers - the deal has changed on domestic airfare.  Verizon’s NFL Sunday Ticket: Segment 1 Ask Clark: Segment 2 Domestic Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Verizon Offers Customers Free NFL Sunday Ticket With a Catch 4 Things To Know Before You Buy a Digital TV Antenna YouTube TV Releases NFL Sunday Ticket Pricing Google announces the end of multiple Nest products. What you need to know Credit Card Car Rental Insurance: What You Need To Know American Travelers Are Shunning the U.S. for Europe - WSJ Ultra-Low-Cost Carriers Cutting Back on Midweek Flights Traveling to Europe just got more complicated Welcome to the official ETIAS website Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, higher home prices and interest rates make saving for a down payment a big challenge that can take a decade to accomplish. So families are stepping in to help young adults buy their first home. Clark talks about the most effective way to do this, and has some definite thoughts on co-signing.  Clark Stinks: Segments 1 & 2 Family Assisted Home Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cash Back Credit Cards With No Annual Fee Credit Karma vs. Credit Sesame: Is One Better Than the Other? College Scorecard | U.S. Department of EducationCollege Scorecard Axios: It takes nearly a decade to save for a down payment Four Ways Parents Can Help Kids Be First-Time Home Buyers Applicable Federal Rate (AFR): What It Is and How To Use It AFR Rates | IRS Applicable Federal Rates Evaluate Life Insurance - Consumer Federation of America Can a Patient Advocate Help With Your Medical Bills? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA / How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.   The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Real estate agent commissions are increasingly controversial with two massive class-action lawsuits underway. Would you sell your home yourself or use an agent? We have the results of our poll on that question. Also today, Clark talks about different areas that have been really expensive, but are now becoming more affordable. Knowing the 'zig-zag' principle can help you save more. Clark.com Poll: Real Estate Agents: Segment 1 Ask Clark: Segment 2 Price Drops: Segment 3 Ask Clark: Segment 4 Mentioned on the show Meet the overlooked monopoly that’s overcharging homebuyers $72 billion a year An epic fight over how real-estate agents get paid could transform the housing market forever Clark.com Daily Newsletter Poll: 275 responses How to sell your house by owner How To Find a Trustworthy Mechanic Amusement park attendance and prices down Hot tub sales cool as well-off Americans stop splashing out Should I Get Insurance on My Water and Sewer Lines? Automatic Bill Pay: How It Works and How To Do It Safely Recalls.gov Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.  Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs  Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee  /  CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, overwhelmingly the people who should have a will do not. The recent saga surrounding the will of Aretha Franklin is a valuable lesson for us all.  Clark Stinks: Segments 1 & 2 Making A Will: Segment 3 Ask Clark: Segment 4 Mentioned on the show Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Credit Card Car Rental Insurance: What You Need To Know YouTube TV Releases NFL Sunday Ticket Pricing LOS ANGELES TIMES: Aretha Franklin jury selects a valid will: It's the one found in the late singer's couch Why You Really Need To Create a Will Wills & Funerals Archives - Clark Howard Turo: 5 Things To Know About the Cheap Car Rental Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A trend you may have noticed  - stores and restaurants are opening later and/or closing earlier. Post Covid we’re seeing new patterns.  Also, from the Supreme Court decision to the latest in loan forgiveness, Clark has an update on student loan debt.  Sooner Than Later Service: Segment 1 Ask Clark: Segment 2 Student Loan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show America Is Becoming a Nation of Early Birds Resy - Book Your Reservation Your Guide to DIY Home Security Systems 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Find and Choose a Financial Advisor Biden Administration to Wipe Out $39 Billion in Student Loans - The Wall Street Journal. You could still be eligible for student loan forgiveness under this plan 1 in 3 federal student loan borrowers spent money they thought was going to be forgiven—here's where relief stands NYTimes.com: Ways You Can Still Cancel Your Federal Student Loan Debt Best Investment Companies for Investors in 2023 Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you seen the ads for a device that Elon Musk supposedly invented to cut electric bills? Clark tells you if that’s for real, and discusses some exciting upcoming options for power to your home. Also, believe it or not it’s time to shop back to school items. Clark points to some exceptional deal categories and shares shopping strategies.  Energy Savings & Backup Power: Segment 1 Ask Clark: Segment 2 Back To School Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show Fact Check: Elon Musk Did NOT Invent Energy-Saving Device That Will Cut Power Bills By 90% | Lead Stories GM Energy’s Ultium Home products provide backup power to your home in outage -  USA TODAY The best back-to-school sales & deals available now! Paramount+ Plans Paramount+ Review 2023: Is This Streaming Service Worth It? What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Savers! The window is closing on long term CDs. Clark fills you in on what you can do now to maximize money put aside for saving, vs for investing. Put your money to work the right way. Also, money saving takeaways from Clark’s summer vacation including car rental and currency practices.  5 Year CD Rates Now: Segment 1 Ask Clark: Segment 2 Lessons Abroad- Clark’s Summer Vacation: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Window To Open a 5-Year CD Is Closing Soon What Is a CD and Should You Open One? / Bankrate CDs What Is a CD Ladder and When Is It a Good Idea? Follow Clark Howard’s #1 Rule To Travel Cheap Credit Card Car Rental Insurance: What You Need To Know 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? How to use Google Maps overseas with no data usage The Best International Phone Plans United Club & Lounge Access / Military Airport Lounges Non-Owner Car Insurance: Who Needs It? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  how to save someone’s life using a simple household item. Clark Stinks: Segments 1 & 2 CPR: Taking The Plunge: Segment 3 Ask Clark: Segment 4 Mentioned on the show American Express Send & Split with Venmo & PayPal Ask the Doctor: Are eggs risky for heart health? Eggs: Are they good or bad for my cholesterol? Intake of up to 3 Eggs per Day Is Associated with Changes in HDL Function and Increased Plasma Antioxidants in Healthy, Young Adult 'Grandparent' Scams Get More Sophisticated How a Toilet Plunger Improved CPR How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Freedom® Index Funds Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news consumers! A new law changes the rules for 3rd party sellers on online marketplaces such as Amazon & Walmart. Clark covers what you need to know about these sellers, and the problem with online purchasing via your phone. Also today, long-term care insurance is cost prohibitive for most. Still, advance planning is a smart idea. Know what elder care options exist today and potentially in the future.  Online Seller Disclosure: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show The INFORM Consumers Act and online marketplaces: What to know BBB-File a Complaint Costco vs. Sam’s Club: What Is the Difference? Buying Gas From a Station on This List Is Better for Your Car What if you can’t afford long-term care? NYTimes.com: States Try Easing the Burden of Long-Term Care’s High Cost What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? Senior Care Archives - Clark Howard Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Homeowners insurance is getting more difficult to get or keep, even in states beyond FL & CA. Clark explains industry challenges and what homeowners can do about this growing problem. Also - What you don’t know can hurt you. Recent CFPB data show complaints against the credit bureaus roughly doubled in one year, highlighting the importance of being vigilant about your credit report accuracy. Homeowners Insurance Reset: Segment 1 Ask Clark: Segment 2 Credit Bureau Complaints: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: Uninsurable America: Climate change hits the insurance industry Multifamily industry grapples with surging insurance costs in wake of climate risks Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems — The Conversation Force-Placed Insurance Definition When Should You File a Claim on Your Homeowners Insurance? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Welcome to Bluebird A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Changes to Credit Reports Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the second wave of summer travel upon us, Clark has an update on mid to late summer travel  prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow.  Summer Travel Update: Segment 1 Ask Clark: Segment 2 Recession Explainer: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] People are spending less on hotels, flights and restaurants NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning. 4 Things You Should Always Pack in Your Carry-On How SVB’s failure 3 months ago has changed banking (and how it hasn’t) Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022 What Is a CD Ladder and When Is It a Good Idea? Clark.com - Invest & Retire FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit.  Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make.  Building Student Credit: Segment 1 Ask Clark: Segment 2 Remote Work Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Credit Cards for Students: Top Picks for 2023 A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? Deciding what to do when your employer changes the rules on remote work What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.  Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV   /   Clark.com: Sling Freestream Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel.  Fraud Prevention: Segment 1 Ask Clark: Segment 2 What’s In A Hotel Name? Nothing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto. WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know. ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers Worried about crypto exchange losses? Don’t pay money for “help” recovering money 5 Steps To Getting a Good Deal on a Hotel Room Scott's Cheap Flights | Save Up to 90% on Flights [The Washington Post] Expensive flights are here to stay, but there’s good news Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.  Gambling Vs Investing: Segment 1 Ask Clark: Segment 2 Fake Shopping Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Retreat of the Amateur Investors 5 Sneaky Ways To Improve Your Credit Score NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In Clark.com- How To Spot a Fake Online Store in 6 Easy Steps Virtual Credit Cards: An Online Security Measure Worth Taking? Fidelity Investments Review 2022: Pros & Cons Metro by T-Mobile: 6 Things To Know Before You Sign Up T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Clark Howard's 4 Travel Rules You Should Follow Right Now Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July! Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.  Know Thy Neighbor: Segment 1 Ask Clark: Segment 2 Credit Card Debt Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Sue Thy Neighbor: Homeowner Spats Over Fences,Trees & Additions Get Nastier -WSJ Clark.com - Timeshares The #1 Bill You Should Make Sure You Get by Mail No more paper statements only electronic - Clark Howard Community US consumers increased their borrowing by $28 billion in November Your Passport Could Be Useless -- Even if It's Not Expired 22 Ways To Save Money on Groceries How to Budget With a Cash Envelope System Why You Should Keep Old Credit Card Accounts Open Should You Get a Store Credit Card? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains the rise of the zombie mortgage, with origins dating back to the lending practices of 2001 - 2007 leading to the housing bust & great recession. Learn why years later, people are now getting foreclosure notices on old home equity loans & second mortgages, and the best course of action for those facing this.  Clark Stinks: Segments 1 & 2 Zombie Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Warning: Never Get Roadside Assistance From Your Insurance Provider 401(k) Match: What Is It, How It Works Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases Apple Trade In Zombie Mortgages Could Force Some Homeowners Into Foreclosure Southwest Airlines Wanna Get Away Plus UShip Review: 5 Things To Know Before You Use the Shipping Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news if you’re interested in life on the road - specifically RV life. If you’re in the market, Clark explains why it’s a good time to buy, and offers direction on what type of RV to choose. Also  today, travel agents almost went extinct, but the industry is growing again. Get Clark’s advice on when you need a travel agent, and the best way to choose one.  The RV Market: Segment 1 Ask Clark: Segment 2 When & How To Hire A Travel Agent: Segment 3 Ask Clark: Segment 4 Mentioned on the show RV Market Slows as Inflation, Rising Rates Cool Demand - The Wall Street Journal. Clark Howard's 5 Money Tips for Couples 6 Things To Know Before Contacting the National Foundation for Credit Counseling Amazon discontinues Amazon Halo effective July 31 (aboutamazon.com) 15 of the Best Free Workout And Fitness Apps Is Apple Card Worth It? 5 Things To Know in 2023 When Do You Need a Travel Agent? TripIt - Highest-rated trip planner and flight tracker Your Passport Could Be Useless -- Even if It's Not Expired Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards How To Save Money With Google Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Summed up in a sentence - what’s your money strategy? Clark shares money philosophies courtesy of Humble Dollar. Also in this episode, Things are rapidly changing in the solar energy industry. Clark has an update on how to approach roof solar and the microgrid community solar advantage. Money Philosophies: Segment 1 Ask Clark: Segment 2 Solar Power Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show How would you summarize your financial philosophy in one sentence? Hiring a Contractor Checklist and Tips - 6 Tips for Hiring a Contractor Community Solar Saves Money With Solar Energy – Without Changing Your Roof Search projects by zip code: CommunitySolar-EnergySage The Solar Power Landscape Is Changing. Here's What That Means for You Should You Manage Your Own Investment Portfolio? What Is a Fiduciary Financial Advisor and Do I Need One? Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity How to Deal With Medical Debt Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hotels have gotten pricier while experiences have deteriorated. Looking for bargains, people are getting ripped off at UFO third party booking sites. Clark shares a new site he’s been testing that works differently than all the others, and promises to save you big bucks. Also - There’s a new twist in retail - part entertainment, part auction. Clark gives you the pros & cons of online  “live shopping”.  HotelSlash: A Different Way To Book: Segment 1 Ask Clark: Segment 2 Live Stream Shopping: Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show Looking for the Cheapest Room Rate? HotelSlash Wants to Help. AutoSlash Review: How To Save on a Rental Car 5 Things to Know About the Costco Car Rental Program 5 Money Tips To Know Before You Travel Abroad Best Credit Cards With No Foreign Transaction Fees in 2023 Wise Official Website - Wise.com   /   About Money Transfer GB | Revolut NYTimes: The Companies Trying to Make Live Shopping a Thing in the U.S. Stitch Fix: Clothing What's the Best Savings Account for a Teenager? Fidelity Youth Account - Any Good? - Clark Howard Community Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s much discussion about how AI is revolutionizing the nature of work and change is happening rapidly. Clark lends historical perspective and discusses what is key for your job prospects going forward.  Clark Stinks: Segments 1 & 2 AI And Career Flexibility : Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries A Quick Guide on How to Insure Jewelry How Often Should I Appraise a Wedding Ring for Insurance, and Who Should Appraise It? Living Will and Durable Power of Attorney: Frequently Asked Questions ChatGPT, AI jobs are soaring while companies use the same technology to cut costs How (and why) you should create a backup plan for your career Why Did My Credit Score Drop? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares findings from a new study about today’s working households and their outlook for retirement. Why are 28% of high income earners struggling in retirement? How you can resolve to build your reserve. Also today, Clark is all about FREE and doesn’t much mind the tradeoffs – and more people are receptive to saving money now. Enter TextNow.com - a FREE cell phone service that may work for you.  Retirement Outlook: Segment 1 Ask Clark: Segment 2 FREE Cell Phone Service : Segment 3 Ask Clark: Segment 4 Mentioned on the show Almost Half of Today’s Working Households Are at Risk of a Lower Standard of Living in Retirement National Retirement Risk Index - Center for Retirement Research at Boston College Bluebird - Loaded with Benefits. Light on Fees. Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide Target Date Funds: Clark's Favorite Retirement Investment Clark.com - TextNow: How To Get Free Texting and Calling 10 Ways To Save on Prescription Drugs Protect Your Identity Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now more than in the past 15 years, it pays to seek out the best interest rates on savings so you make the most on your money.  Announcing our new guide at Clark.com with a listing of best savings accounts updated weekly and a brand new savings calculator. Also in this episode, travel is up, so travel scams are back with a vengeance - all varieties. Clark tells you what to look out for. WHO you book with is key. GUIDE: Savings Accounts: Segment 1 Ask Clark: Segment 2 Travel Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Best High-Yield Online Savings Accounts What Is a Thrift Savings Plan? 13 Steps To Keeping Your Email Safe and Secure Privacy Archives - Clark Howard Proton - Privacy by default  /  Brave Private Web Browser  /  DuckDuckGo -Privacy simplified. What Does A Travel Scam Look Like And How Can You Avoid It? Road Scholar: Educational Travel & Learning Adventures A Retired Travel Agent's Secrets for Getting the Best Travel Deals Clark.com - CELL PHONES Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark fills you in on current direct student loan rates just announced. As the payment holiday comes to an end, know what is required to get and stay current on these loans. Also, recent developments in the electric car space will open up more EV choices.  Student Loan Updates: Segment 1 Ask Clark: Segment 2 EV Announcements: Segment 3 Ask Clark: Segment 4 Mentioned on the show Student loan payments will be due starting in October, Department of Education clarifies Here's how to prepare to start paying back your student loans when the pandemic payment freeze ends Public Service Loan Forgiveness (PSLF) Credit Karma Review: Free Credit Score and More at Your Fingertips 7 Places to Get the Best Deals on Lab-Created Diamonds  /  Rare Carat Ford strikes deal with Tesla to gain access to rival charging stations starting 2024 GM wants to adopt Tesla’s charging network as ‘the standard’ Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this summer calls for extra travel precautions. Make sure you know what experts know about how to avoid bed bugs at your lodging destination!  Clark Stinks: Segments 1 & 2 Travel Inspection - Bed Bugs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best 529 College Savings Plans By State HUD Good Neighbor Next Door Program How Much Life Insurance Do I Need? Should You Sell or Stay Put in the Stock Market? Potentially record summer travel + low housekeeping staff = bed bug nightmares - from USA TODAY How To Pack a Carry-On the Right Way How To Find Cheap Flights in 3 Easy Steps Capital One Venture Rewards Credit Card: Travel Credit Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation busters! With inflation easing in some categories, Clark shares some items that are more affordable now. Also, with the housing shortage and high mortgage rates, house hunters are looking for creative ways to become homeowners, including ARMs and the 1% down payment. Get Clark’s take on both options.  Inflation Busters: Segment 1 Ask Clark: Segment 2 2 Mortgage Options Explained: Segment 3 Ask Clark: Segment 4 Mentioned on the show Eggs Are Going on Sale Just Months After Prices Hit Records It's not just the Costco $1.50 hot dog combo—4 products that have beaten inflation Homebuyers might be able purchase a home with less savings — thanks to the two largest US mortgage lenders now allowing down payments of just 1% Why You Should Not Get a 1% Down Payment Mortgage Adjustable-Rate Mortgage: What Happens When Interest Rates Go Up Unprecedented Change to Clark Howard’s Longtime Home Buying Rule How To Freeze Your Credit With Experian, Equifax and TransUnion How to Freeze Your Child's Credit Should You Buy a Car With a Salvage Title? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark highlights recent and upcoming changes to retirement accounts involving tax law changes with potential benefits you should know about. Also, new issues with Zelle and Apple Savings accounts, and a warning for Venmo, Cash App & PayPal users. Retirement Account Changes: Segment 1 Ask Clark: Segment 2 Hazard With Payment Apps: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Retirement-Savings Changes You Should Know About for 2023-24 Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 Best Budgeting Apps in 2023: Our Top 6 Mint Review: 5 Things To Know About the Free Budgeting Tool What Is a 403(b) and How Does It Work? How To Open a Roth IRA JPMorgan Chase Working to Reverse Double Payments on Zelle - The Wall Street Journal. [The Washington Post] Don’t store money in Venmo, Cash App or PayPal, regulator says Apple Customers Say It’s Hard to Get Money Out of Goldman Sachs Savings Accounts - WSJ 7 Things To Know Before You Use Zelle 14 of the Best High-Yield Online Savings Accounts in June 2023 5 Things To Know About Series I Savings Bonds Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Submit your travel story! 404 981-2017 Clark breaks down the national debt - what the real problem is and how to fix it. The sooner the better. Also today, Amazon just settled a lawsuit over spying through Alexa and Ring devices. “Smile, You’re on Candid Camera” - depending on where your security cams are operating. Clark has suggestions.  Fixing Deficit Spending: Segment 1 Ask Clark: Segment 2 Privacy In The Digital Era: Segment 3 Ask Clark: Segment 4 Mentioned on the show Submit your travel story! 404 981-2017 The Debt-Limit Deal Suggests Debt Will Keep Growing, Fast How To Buy Term Life Insurance in 7 Easy Steps Fidelity Investments Review 2023: Pros & Cons Schwab Starter Kit™ Amazon must pay over $30 million over claims it invaded privacy with Ring and Alexa Ring’s privacy failures led to spying and harassment through home security cameras FTC says: Amazon didn’t protect Alexa users’ or children’s privacy What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members DOT - File a Consumer Complaint 4 Things You Should Always Pack in Your Carry-On Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, one of Clark’s long recommended vendors for prescription eyeglasses has dropped in Consumer Reports ratings. Clark discusses the ongoing eyeglasses market cartel and where to get the best value.  Clark Stinks: Segments 1 & 2 Where To Buy Eyeglasses: Segment 3 Ask Clark: Segment 4 Mentioned on the show AAA Membership: Is It Worth It? Do Not Give Your Social Security Number at These Places I Lost $400K of My Retirement Savings in a Roth 401(k) — If You’re Not Careful, You Could, Too Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Costco Tire Center Appointments Eyeglass Store Ratings - Consumer Reports® Zenni Optical Review: 6 Things To Know Before Your First Order How To Open a Roth IRA Clark Howard and the Prostate Cancer Foundation - 3T MRI of the prostate with & without contrast with 3d post processing Be Your Own Health Advocate Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Generally, close to half of Americans can’t cover the inevitable $400 or more unexpected expense. The mentality of tapping a 401(k) has taken hold. Running up credit card debt - not great either. Clark has a prevention suggestion to get you started on being prepared. Also, big grocery inflation has led to big changes in buying behavior. Clark talks about where people are getting the most for their grocery money.  1% Saving Habit: Segment 1 Ask Clark: Segment 2 Save More On Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes: It’s ‘More Expensive to Live,’ and Workers Are Cracking 401(k)s for Help Most Americans lack the cash to cover a surprise $400 expense Emergency Fund: Everything You Need to Know Can You Use a Credit Card on Venmo? Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card 5 Money Tips To Know Before You Travel Abroad Wise: the international account | Money without borders International Money Transfer from the United States - Revolut We Had a Recent Hail Storm. Should I Use My Insurance To Fix My Roof or Pay Out of Pocket? Report: Club stores absorbing grocery market share from supermarkets 22 Ways To Save Money on Groceries Fidelity Investments Review 2023: Pros & Cons Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Best Credit Cards for Gas Rewards: Top Picks for 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investment pools that don’t offer normal disclosures are blowing up on people. Dark money funds,  SPACs, real estate crowdfunding groups, private placements on “the ground floor of opportunity”  -  they may sound wonderful. But they’re a costly lesson in high risk vs traditional investing. Clark spells out the difference to protect your investments. Also, It appears the streaming party is over. All at once, Netflix and other services are changing the rules & raising prices. Clark has a money saving assignment for you.  High Risk Investments: Segment 1 Ask Clark: Segment 2 SAVE on Streaming: Segment 3 Ask Clark: Segment 4 Mentioned on the show Company Insiders Made Billions Before SPAC Bust - The Wall Street Journal. A Housing Bust Comes for Thousands of Small-Time Investors Get-rich-quick schemes, pyramids and ponzis: five signs you're being scammed — The Conversation Synthetic Identity Theft Definition - Investopedia Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Platinum Card® from American Express Review 2023: Is It Worth It? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Employee Stock Purchase Plan (ESPP): What It Is The cheapskate’s guide to digital entertainment Clark.com - Netflix Unveils Plans To Charge U.S. Customers for Account Sharing Clark.com - Why T-Mobile Customers May Hit a Snag With New Netflix Policy Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - Live TV Streaming Channel Tool YouTube TV Releases NFL Sunday Ticket Pricing 7 of the Best High-Yield Online Savings Accounts in May 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark spoke recently about the role of family and friends when it comes to fraud protection for our elders. Today he has a first hand account of why it's so vitally important we take this to heart. Also today, The Consumer Federation of America reports that home repairs and renovations are a top area of complaints. Avoiding these headaches starts with how you hire a contractor and Clark has some guidelines for getting it right from the get go.  Vigilance For Vulnerable Seniors: Segment 1 Ask Clark: Segment 2 Hiring A Contractor: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Spot Financial Abuse of an Elderly Relative or Friend EcoATM: 5 Things To Know Before You Sell Your Phone Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? No surprises here: These are the top US consumer complaints, from cars to credit cards Clark.com- 6 Tips for Hiring a Contractor PSA Collectibles Authentication and Grading Service Beckett Authentication Services: Sports & Non-sports   Memorabilia Auctions - Heritage Auctions Sell Sports Memorabilia with Sotheby's Christie’s Sports Memorabilia A Quick Guide on How to Insure Jewelry Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recently exposed by industry whistler blowers, Clark discusses the cynical practice by some health insurers to deny claims without review. How to get clarity if denied a claim, and how to fight it, if need be.  Clark Stinks: Segments 1 & 2 Denied Health Insurance Claims: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA 3 Places You Should Never Invest Your Money Are You Following Clark's Maximum Auto Loan Length Rule? Health Insurance Claim Denied? See What Insurers Said Behind the Scenes How to Deal With Medical Debt Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

The job market dynamic continues to change and Clark points to where the market is strongest. Job seekers need to know the highest growth areas offering opportunities. Also discussed today -  Americans are defaulting on debt at a rapidly increasing rate right now, pushing the delinquency rate up 50% in a year!  BUCK that trend.  Surprise Job Growth Areas: Segment 1 Ask Clark: Segment 2 Dealing In Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] The real reason America’s nonprofit sector is seeing massive growth, and more! What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? How and Why To Refinance Your Mortgage: A Step-By-Step Guide WSJ - Americans Are Falling Behind on Their Bills Consumer debt passes $17 trillion for the first time despite slide in mortgage demand   Are You Following Clark's Maximum Auto Loan Length Rule? Why 'Buy Now, Pay Later' Worries Clark Howard Warning: Here’s What Those Debt Settlement Companies Don’t Tell You 6 Things To Know Before Contacting the National Foundation for Credit Counseling Ditch Your Debt - Clark Howard Community How To Buy Term Life Insurance in 7 Easy Steps Why You May Need More Than One Checking Account Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Approaching Memorial Day, Clark shares perspective on regaining a sense of national purpose in America with regard for the ongoing sacrifices made by our military, and wants to ensure veterans and active personnel know about all the benefits available to them.  Clark Stinks: Segments 1 & 2 Military Benefits: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amtrak YNAB Review: 5 Things To Know About the Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Schwab Certificate of Deposit Apple News+ 1 Year Subscription Clark.com - Buying Tires How To Make Your Online Accounts Accessible When You Die Homeowners Insurance Archives - Clark Howard How To Find a Good Moving Company Military veterans can now receive free emergency mental health care Military and Veterans Guide: Free Resources for Your Finances The Best Veterans and Military Charities Army National Guard - Get Started Do Debit Cards Still Stink in 2023? The Safer Way To Use Your Debit Card 7 Places to Get the Best Deals on Lab-Created Diamonds Best Renters Insurance Companies and Ones To Avoid Living Will and Durable Power of Attorney: Frequently Asked Questions Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Passwords. There’s got to be a better way. Clark discusses the password problem and security key solution, including the passkey system from Google. Also - Memorial Day weekend begins tomorrow kicking off what looks to be the busiest summer travel season ever. Clark has advice for both road and air travel, including ways to save on today’s higher airfares. Security Keys VS Passwords: Segment 1 Ask Clark: Segment 2 Summer Travel Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Hate passwords? You're in luck - Google is sidelining them Security Key Series | YubiKeys | Yubico - Security Key Series Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Clark.com: Best Rewards Credit Cards / Best Credit Cards for Investing Rewards Brace yourselves, travelers: This summer could be ‘one for the record books’ US airlines thrown a curveball as consumer habits change post-pandemic Travel Archives - Clark Howard /  Clark.com - Save on Airfare Clark.com Top Travel Deals / Clark Deals - TRAVEL Airline Customer Service Dashboard Fly Rights | US Department of Transportation Life at Sea Cruises     Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As parts of the economy emerge from inflation, post pandemic conditions remain rough for retailers and that means discounts to attract buyers. Every form of discounting is going on, including on some of life’s necessities. Be on the lookout for lower prices & special offers. Also today, a cautionary tale about a senior scammed out of millions, right under the nose of his bank and credit union. What is the responsibility of financial institutions, families and loved ones to protect the life savings of our vulnerable elders? Happy Deals Are Here Again: Segment 1 Ask Clark: Segment 2 Our Mission Must Be Elder Fraud Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Retailers Ramp Up Discounts to Try to Bring In Shoppers CLARK DEALS - Deals You Can Trust 7 Things on Deep Discount in May Life Insurance Archives - Clark Howard An elderly man was scammed out of millions. Could the bank have done more to prevent fraud? - from USA TODAY Why Structured Notes Might Not Be Right for You What Is a Fiduciary Financial Advisor and Do I Need One? Best 529 College Savings Plans By State Why hitting the lottery could leave you broke Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

They advertise on billboards, roadside signs and in media - real estate companies that specialize in distressed properties. Should you ever consider giving them a call? Like any industry, there are both legit and crooked players in the real estate investment game as cash home buyers. A Clark Smart Warning includes a reminder to watch over our vulnerable senior loved ones. Also, half of Americans with paid vacation don’t use it all! Clark speaks to this unspeakable stat, with a directive for you.  Unethical Real Estate Investors: Segment 1 Ask Clark: Segment 2 ALL Your Vacation Time!: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Ugly Truth Behind “We Buy Ugly Houses” Five Stories of Lives Upended After Dealing With the “We Buy Ugly Houses” Company [The Washington Post] The mystery of the disappearing vacation day Less Than Half of US Workers Use All Their Vacation Days Clark.com-Timeshares / Timeshare Users Group / Vacatia Clark Howard's Guide to Saving Money on Your Wedding How To Manage Your Monthly Subscriptions To Save Money 7 Types of Subscriptions You May Want To Cancel Today Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recall Clark’s enthusiasm for his portable carbon monoxide detector, great for travel. New data from the Consumer Product Safety Commission shows carbon monoxide deaths are rising in residential settings. Find out why this is happening and your quick fix against this silent killer.  Clark Stinks: Segments 1 & 2 Essential Safety: CO Detectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA The $10 Travel Essential Clark Howard Always Packs Consumer Product Safety Commission report shows upward trend in carbon monoxide fatalities Carbon monoxide detectors are cheap and save lives 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Is a robot lawn mower worth it in 2023? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Entrepreneurs make the world go round and as the job market transforms, many decide to start their own business, which may include holding a franchise. Clark has specific, must-do, key rules for those considering becoming a franchisee. Another big life decision - getting engaged. Turns out after the post pandemic wedding surge, engagements rates are down. This presents a marketplace opportunity for future newlyweds.  Key Rules For Aspiring Franchisees: Segment 1 Ask Clark: Segment 2 Otherwise Engaged - Diamond Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show Franchise ownership: Is it right for you? Franchise Fundamentals: Debunking five myths about buying a franchise The Only Reason You Should Make an Improvement to Your Home Should I Turn To Costco for a Home Renovation Project? Best Online Will Maker: 5 Free or Cheap Options Living Will and Durable Power of Attorney: Frequently Asked Questions Curb | Low-Cost, On-Demand Rides - GoCurb.com Engagement ring sales are down sharply, according to America’s biggest jeweler 7 Places to Get the Best Deals on Lab-Created Diamonds Is there a limit on how much my mortgage lender can make me pay into an escrow account for interest and taxes? About ASE - Automotive Service Excellence Retailers return fees — and how you can avoid them. Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the controversial advent of generative AI so heavily reported, Clark shares good news about AI automation being used to improve food services. Also today, TV and general repair shops vanished long ago, and thus began a slow building, global movement to fix broken items. If you need help beyond YouTube videos to fix electronics and other items, be aware of Repair Cafés. Automated Food Service: Segment 1 Ask Clark: Segment 2 Repair Cafes Promote Sustainability: Segment 3 Ask Clark: Segment 4 Mentioned on the show Carl's Jr. and Hardee's to roll out A.I. drive-thru ordering nationwide This company adopted AI. Here's what happened to its human workers Best 529 College Savings Plans By State Future Scholar: South Carolina’s 529 Savings Plan Best Credit Cards for Students: Top Picks for 2023 Wirecutter: How to Get Your Broken Stuff Fixed for Free Repair Café International Foundation’s map What Is a Credit Union?   Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares good news on the summer travel front including more fee disclosure from hotels, and big improvements from Airbnb. Also today - a special warning about a medical payment method to be avoided.  Hotel & Airbnb News: Segment 1 Ask Clark: Segment 2 Paying For Medical Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How to book travel on Priceline Find Out What Priceline or Hotwire Hotel You’re Getting Before You Book Marriott just blinked on those nasty resort fees / ResortFeeChecker. Airbnb Revamps Site to Ease Tensions Between Guests, Hosts At. Freaking. Last. Airbnb is fixing its core design problems, says CEO Brian Chesky Airbnb is going back to its apartment-sharing roots with Rooms amid tighter regulation Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Where You Should (and Should Not) Book Your Next Vacation Beware of twist on third party airline ticket booking scam Do Not Give Your Social Security Number at These Places Wise Official Website - Wise.com / About Money Transfer GB | Revolut Biden administration warns consumers to avoid medical credit cards Should You Pay for Credit Monitoring? How to Freeze Your Child's Credit As Used-Car Prices Surge, Consider Fixing the Car You Already Own Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, lost luggage is always a problem, and a growing one in the cruise industry. If you insist on checking luggage, Clark has advice for packing your carry on bag including a NEVER EVER rule, so things go easier if your luggage goes MIA.  Clark Stinks: Segments 1 & 2 Carry On Rules If Checking Luggage: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks Where Should I Look for a Great Deal on a Cruise in 2023? Best Credit Cards for Students: Top Picks for 2023 Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Welcome to the FDIC’s Electronic Deposit Insurance Estimator (EDIE) Should Uninsured Deposits Get a Warning Label? The era of free returns may be coming to an end. Why retailers are charging return fees — and how to avoid them. Lost Luggage a Growing Problem for Cruise Ship Passengers Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com - Weddings Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Rising interest rates - raise interest in how to optimize savings yields. Clark explains your best moves with Series I Savings Bonds and CDs in the current context of cooling inflation and where rates stand today. If you’ve got cash to stash, you’ll better understand the savings moves to make right away to make the most of your money in time. Also, many Americans are neglecting an important part of protecting their families - life insurance. Clark helps you understand and get beyond the industry’s current dysfunction - to get this vital task taken care of the right way, once and for all. Best Saving Strategies Now: Segment 1 Ask Clark: Segment 2 Get It Done-Life Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show 3 Things Clark Says You Should Do With CDs in 2023 CNET - The Clock Is Ticking to Lock In a Long-Term CD: Why Experts Say You Shouldn't Wait Morningstar: I Bonds Are Down, But Not Out The Wall Street Journal: Return on I Bonds Drops to 4.3%, but They May Now Be a Better Long-Term Investment What Is a CD Ladder and When Is It a Good Idea? Are Money Market Funds a Safe Place To Stash My Savings? Your Guide to DIY Home Security Systems Wyze Cam v3 Review: Still Easy to Recommend / Wyze Cam Clark Deals - Home Security / Amazon Best Sellers in Security Cameras Life Insurance Is Profitable Again, but Too Late for Many Insurers What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Life Insurance Archives - Clark Howard 12 Things You Never Knew You Could Get From Your Local Library Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

It’s complicated when kids leave the nest these days. How long should young adults receive support from their parents? Almost half of parents are supporting at least 1 adult child and the average amount given monthly is surprisingly high. Follow Clark’s plan to help kids launch into independence as adults. Also today - International travelers! There’s a global gotcha when paying for anything overseas. Know this important rule about how you pay when you are abroad Parents Funding Adult Kids: Segment 1 Ask Clark: Segment 2 Purchases Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show How long should you support your adult children? Parents — and their kids — weigh in When Different Generations Think Kids Should Start Paying Their Own Bills Mint Review: 5 Things To Know About the Free Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Is Apple Card Worth It? 5 Things To Know in 2023 How To Dispute a Charge on Your Credit Card Are You Following Clark's Maximum Auto Loan Length Rule? Travelling abroad? Don't be tempted to pay your way using your home currency — The Conversation Clark.com: Best Credit Cards With No Foreign Transaction Fees in 2023 Best Travel Credit Cards: Top Rewards Picks for 2023 Revolut - International money transfers Too Good To Go: Save Food - Help The Planet Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Warning: There is no viable secondary market for timeshares- but there ARE con job “timeshare resale services” and now criminal rings are into timeshare resale scams. Clark’s best advice for unloading a timeshare.  Clark Stinks: Segments 1 & 2 Timeshare Fraud Ring: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgages Archives - Clark Howard What Is Mortgage Protection Insurance and Do You Need It? How To Dispute a Charge on Your Credit Card Why You Don't Need an 800 Credit Score What Is a Good Credit Score? What Is a Spousal IRA and What Are the Rules? The Best Security Keys for Multi-Factor Authentication Full View - all your online financial information in one place [Franklin News] U.S Treasury sanctions cartel-run timeshare fraud network targeting Americans How To Sell, Cancel or Get Rid of Your Timeshare Scam Alert: Stay Away From Timeshare Exit Companies Which Type of Organization Is Best For Your Business? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We all want to improve our credit. Learn Clark smart ways to build or rebuild your credit including the best secured credit cards. Also, Clark recently talked about the end of free shipping. Well its partner, free returns, is now on life support. Free returns have gone through the roof and online sellers are cracking down. What to know before you buy.  Establish/Repair Your Credit: Segment 1 Ask Clark: Segment 2 The End Of Free Returns: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Credit Karma Review: Free Credit Score and More at Your Fingertips 4 Ways To Get Your Free Credit Score Why You Don't Need an 800 Credit Score What Is a Good Credit Score? The #1 Mistake That Can Hurt Your Credit Score Are You Following Clark's Maximum Auto Loan Length Rule? Amazon Just Made a Surprising Change That Breaks Its Most Important Rule. It'll Make Some Customers Angry Amazon will charge customers a fee for some UPS returns Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Yet more statistics confirm how little American couples and families talk about money. This reluctance is actually harmful to your financial security and independence. It’s vital to know how to start the conversation - and keep it ongoing. Also, Influencers are so powerful in the marketplace today, and are now taking the moving industry by storm. When it comes to moving and the risks involved, don’t follow influencers. Don’t follow ads. Follow Clark’s moving rules.  MONEY Conversations:  Segment 1 Ask Clark: Segment 2 Rules For Safe MOVING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Americans are choosing lottery tickets and maybe even fortune tellers over financial planners   How Couples Can Get on the Same Page About Money How Do I Know Whether I’m Getting a Good Price on Gutter Protection Covers and Other Household Improvements? Lindsay Lohan, Soulja Boy Accused by SEC of Illegally Touting Crypto Token Help Me Move? I’ll Pay You in Instagram Likes How To Find a Good Moving Company   /   Moving.com  /  Move.org Automatic Bill Pay: How It Works and How To Do It Safely Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a new twist on grocery vs restaurant inflation. Clark helps you stretch your food dollars given what’s happening now. Also today, Clark offers a savings strategy free of bank worries, that is both secure and can yield more interest on your parked cash. Plus a NEVER EVER Rule on buying CDs.  Supermarket vs Restaurant Inflation:  Segment 1 Ask Clark: Segment 2 A SAVINGS Twofer: Segment 3 Ask Clark: Segment 4 Mentioned on the show Restaurant prices are rising faster than grocery prices for the first time since inflation ran hot What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? SSA.GOV -Benefit Reduction for Early Retirement WSJ - Why Brokerage Accounts Are So Generous Now - The Wall Street Journal. What Is a CD and Should You Open One? What Is a CD Ladder and When Is It a Good Idea? Betterment Review: How It Works, Pros & Cons Wealthfront Review: How It Works, Pros & Cons Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Should I Borrow Money To Pay for a Wedding? How To Open a Roth IRA Balanced Fund: Definition, Investment Mix, Examples What Are Index Funds? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

New federal rules on mortgage fees - known as  loan level price adjustments - have a lot of people hot under the collar. This affects people in different ways depending on credit score and down payment. Clark explains what’s going on and those most affected. Also - Summer approaches, and skin cancer rates dictate protecting your skin. You can also protect your wallet because the best sunscreens are not necessarily the most expensive. And then there’s the chemical vs mineral block sunscreen debate…. New Mortgage Lending Fees: Segment 1 Ask Clark: Segment 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgage fees are changing for homebuyers next month. Here's what you should know. NYPost - How the US is subsidizing high-risk homebuyers — at the cost of those with good credit Is There Really a New, Unfair Mortgage Tax on Those With High Credit? Mortgages Archives - Clark Howard What Are the Benefits of an Assumable Mortgage? Should You Buy Out Your Leased Car? Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart (Skin cancer is the most common cancer in the United States.) Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares new travel info including Spirit’s StatusMatch promotion and news on last minute fares. Also in this episode, the plague of customer NO service has only gotten worse. Clark offers strategies, including a NEVER NEVER rule about what NOT to say. Air Travel Info: Segment 1 Ask Clark: Segment 2 Customer No Service: Segment 3 Ask Clark: Segment 4 Mentioned on the show Spirit Airlines will now match loyalty status on other airlines New Report: Top 5 Cheapest Airlines for Last-Minute Domestic Flights Should You Use Credit Card Portals to Book Travel? Upgraded Points Data Study Reveals Most Affordable Airlines for Last-Minute Ticket Purchases on Most Popular Domestic Flights Dollar Flight Club | Cheap Flights - International & Domestic Where Should I Look for a Great Deal on a Cruise in 2023? Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? The Only Way You Should Pay for a Cruise As Customer Problems Hit a Record High, More People Seek ‘Revenge’ [The Washington Post] Vanishing phone customer support is driving us all insane Customer No Service - Clark Howard Community BBB-File a Complaint Submit a complaint | Consumer Financial Protection Bureau 7 Things To Know About Costco Pharmacy 10 Ways To Save on Prescription Drugs Mark Cuban Cost Plus Drugs New to volunteering? A How-To-Guide to find the right fit Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What to know about Apple’s new savings account offer. Plus, a cautionary note about companies promoting high savings rates that only amount to promissory notes because they’re NOT insured. Learn what to look out for to protect your hard earned savings. Also today, the wait is over. Finally a new rule on medical debt kicks in that could kick up your credit score.  Apple Savings Offer: Segment 1 Ask Clark: Segment 2 Medical Debt Law Now In Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Apple Makes the iPhone a Home for Savings Accounts Clark.com: Apple Is Now Offering 4.15% APR Savings Accounts: Is There a Catch? This Start-Up Promises Rates 13 Times Higher Than a Typical Savings Account. One Problem: It Isn’t a Bank Deposit Insurance - FDIC / Are Credit Union Deposits Insured Up To $250,000? Fidelity Youth Account frequently asked questions (FAQs) CarMax Review: 5 Things To Know Before You Buy or Sell [The Washington Post] Finally, medical debt under $500 has been removed from credit reports What is a “surprise medical bill” and what should I know about the No Surprises Act? 3 Ways To Get a Free VIN Check Before Buying a Used Car How To Spot a Puppy Scam Online Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, throughout history, older generations have maligned youth, and Gen Z - ages 11 to 26 - has received their share of criticism. So why are they the best at saving for retirement in human history? There’s a behavioral finance reason at work here….  Clark Stinks: Segments 1 & 2 Gen Z Acing Saving: Segment 3 Ask Clark: Segment 4 Mentioned on the show Scams & Rip-Offs Archives - Clark Howard What Is a Flexible Spending Account? CR RECOMMENDED Clark Deals - Today's Best Deals of the Day Is Apple Pay a Safe Alternative to Zelle? The Safer Way To Use Your Debit Card Do Not Give Your Social Security Number at These Places Barrons.com: Gen Z Is Saving More for Retirement Than Previous Generations. Here’s Why Auto Enrollment Plan Definition How To Buy Term Life Insurance in 7 Easy Steps Car Insurance Archives - Clark Howard Becoming a Landlord: How To Find a Good Tenant Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Consumer goods manufacturers are using a targeted strategy to rip off consumers with vaunted versions of self-care and home products, boasting massive profit margins on their so-called premium lines. Don’t fall for this marketing scheme. Also, after shameless industry cartel gouging forever, OTC FDA approved free market hearing aids are finally available at significantly lower prices - and some are getting great reviews. Manufacturer Mind Games: Segment 1 Ask Clark: Segment 2 Hearing Aid Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show $90 cream and $10 toothpaste: Companies target big spenders HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Should You Buy Cell Phone Insurance? The Best Places To Buy Hearing Aids  7 Best Over-the-Counter (OTC) Hearing Aids of 2023 Use these security keys to lock down your computer and protect your personal info The Strongest Protection for Your Online Accounts? This Little Key Community.Clark.com Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

The US spends 20% of our national income on healthcare vs. 8% in other countries.. Our system is rife with inefficiencies. Clark touches on 3 areas: Amazon One Medical, the primary care physician shortage and insurance issues you should be aware of. Also, the FBI has issued an alert about charging devices in public spaces. Know the risk and how to avoid it. Healthcare Updates: Segment 1 Ask Clark: Segment 2 FBI Alert: Public Charging Stations: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things to Know about Amazon’s Recent One Medical Acquisition The big squeeze: ACA health insurance has lots of customers, small networks [The Washington Post] Making a telehealth appointment? You might still pay a facility fee. First Aid Kit Consider paying cash (at least sometimes) How Cigna Saves Millions by Having Its Doctors Reject Claims Without Reading Them Are Swimming Pools Becoming Affordable Again? FBI warns consumers not to use public phone charging stations 5 Sneaky Ways To Improve Your Credit Score When Is the Best Time To Collect Social Security? Maximize My Social Security: Calculate Your Highest Benefits The Best Places To Buy Tires Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tomorrow is tax day. What if you can't pay what you owe right now? Understand the penalties: Failure to pay vs failure to file. AND - be aware of tax scams. Also in this episode, the banking industry is going through a troubled phase, making it a difficult time for customers. Banks are closing accounts with no warning, making Clark’s “Noah’s Ark Rule” more important than ever.  Tax Day-Failure To File: Segment 1 Ask Clark: Segment 2 Banks Shutting Down Accounts: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] If you owe the IRS and can’t pay, this is what you should and shouldn’t do No, the IRS isn't calling you. It isn't texting or emailing you, either [The Washington Post] Don’t get tricked by these ‘Dirty Dozen’ tax scams 5 Tax Scams You Need To Watch Out for in 2023 Why You Do Not Want To Get a Big Tax Refund Check Automatic Bill Pay: How It Works and How To Do It Safely What Is a Fiduciary Financial Advisor and Do I Need One? NYTimes: Banks Are Closing Customer Accounts, With Little Explanation Credit Union Small-Dollar Loan Volume Hit New High in 2022 Credit Union vs. Bank: What's the Difference? How Many Credit Cards Should I Have? MyMoneyBlog About the FedNow Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - A shortage of planes, a shortage of pilots, supply and demand - airfares are up around 20%. But there are ways to save including how far out from travel you book, and which days are cheaper to fly. Learn new ways to save money on flights.  Clark Stinks: Segments 1 & 2 Air Travel Saving Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Thrift Savings Plan? What Is a 403(b) and How Does It Work? What Is an HSA Account and How Does It Work? Where To Buy the Best Cheap Printer New Feature From Google Flights Will Help Ensure That You Don’t Overpay Google Wants You to Never Overpay for a Flight Again CNET - The Best Time to Buy Plane Tickets for the Cheapest Flights [The Washington Post] This cheap flights expert thinks you should be booking trips earlier   Going™ | Formerly Scott's Cheap Flights Travel Archives - Clark Howard Best Travel Credit Cards: Top Rewards Picks for 2023 Airline admits staff gets bonus when they charge for oversized luggage Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has warned against commissioned insurance products including fixed, variable and/or universal life; annuities, and annuities disguised under different names. Someone selling on commission is NOT a fiduciary, but some self-described fiduciaries are using a loophole to do just that. Clark explains what to look out for when choosing a financial planner. Also, we’re going through a clear job rotation in the U.S. New data reveals distinct geographical indicators of the top job growth metros in the country, and the effect that has on housing affordability. WARNING - Fiduciary Duplicity: Segment 1 Ask Clark: Segment 2 Top Job Growth Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Financial Advisor and Do I Need One? 2 Ways To Guarantee Yourself a Lifetime Stream of Income Introduction To Money Market Mutual Funds What are money market funds? Digitone ProSeries Call Blocker Product Information Sunbelt Cities Nashville and Austin Are Nation’s Hottest Job Markets When Does a HELOC Make Sense in Your Life? 7 Places to Get the Best Deals on Lab-Created Diamonds Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Something new & customer friendly from Amazon is a win win. On the other hand, with online retail, know there’s really no such thing as free shipping. Also in this episode, new reporting states that without a fix from Congress, Social Security will be running short in a decade. Has this altered Clark’s advice on what age it’s best to start taking the benefit?  Amazon Return Prevention: Segment 1 Ask Clark: Segment 2 Social Security Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Habitat for Humanity: History - Clark Howard Amazon starts flagging ‘frequently returned’ products that you maybe shouldn’t buy Amazon, other retailers revamp 'free' shipping as costs soar How To Freeze Your Credit With Experian, Equifax and TransUnion 11 Tips to Keep Your Cell Phone Safe Axios: Charted: Rising home insurance Why You Should Update Your Homeowners Coverage Limits Every 3 Years Attention, Travelers: Now Is the Best Time to Switch to eSIM What Is an eSIM? 5 Things To Know Visible Review: 5 Things To Know Before You Sign Up Will Social Security Run Out? Social Security is now expected to run short of cash by 2033 Barrons.com: Why It Makes Sense to Wait for Social Security Even if Benefits Are Cut When Is the Best Time To Collect Social Security? AARP Social Security Calculator Maximize My Social Security: Calculate Your Highest Benefits Homeowners Insurance Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the main ways you empower yourself with money is to owe less. Americans are taking on more and more credit card debt now for lifestyle, and over 40% of card holders are just servicing the debt. Learn Clark smart ways to start digging out. Also, AI is in the news constantly. Artificial Intelligence will open up so many new ways of doing things, but there are major concerns and dire predictions. Clark lends historical perspective on how tech changes the nature of work.  Reducing Debt: Segment 1 Ask Clark: Segment 2 AI Perspective: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] 7 ways to lower your credit card debt after the Fed rate hike New York Post : I was $70K in debt — now I'm 'cash stuffing' to become a millionaire Half of US Employees Earn Extra Cash on the Side, Survey Finds How To Get Out of Debt in 7 Steps / Debt Archives - Clark Howard Backdoor Roth IRA: Advantages and Tax Implications Explained Ask Clark: What Is a Backdoor Roth IRA? SquareUp.com / Best money transfer apps 300 million jobs could be affected by latest wave of AI, says Goldman Sachs Elon Musk and Others Call for Pause on A.I., Citing ‘Profound Risks to Society’ The FTC should investigate OpenAI and block GPT over ‘deceptive’ behavior, AI policy group claims Clark Howard's #1 Rule To Avoid Email Scams How To Recognize and Report Spam Text Messages Why You Should Never Click on Random Text Messages Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With savings rates up and I Bond rates headed down, Clark clears confusion on whether it’s time to buy or sell Series I Savings Bonds. Also, the scales are starting to “tip” when it comes to gratuities. Being confronted with the tip option touchscreen guilt machine is hitting critical mass. Hear how Clark handles this.  I Bond Update: Segment 1 Ask Clark: Segment 2 The Ubiquitous Tipping Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things To Know About Series I Savings Bonds / SavingsBonds.gov Why This Is the Best Time To Buy Series I Savings Bonds I Bonds rates in 2023 could be better now than in May Small Banks Are Losing to Big Banks. Their Customers Are About to Feel It.   HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment IRS - Charities and their Volunteers Can You Deduct Expenses of Volunteering for Charity? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, scammers steal billions of dollars from Americans each year. Clark shares the FTC’s annual summary of top scams, and has a simple rule for avoiding the number 1 scam on the list.  Clark Stinks: Segments 1 & 2 Top Scams & Fraud Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show 6 Tips for Hiring a Contractor Apple Screen Time Passcode NCUA - National Credit Union Administration CUNA: Credit Union National Association 5 Discount Airlines You Need To Know About Scams Cost Consumers $8.8 Billion in 2022 — The Top Five Frauds FBI says $10 billion lost to online fraud in 2022 as crypto investment scams surged Clark.com - Most Common Financial Scams and How To Avoid Them 5 Best Ways To Send Money Online Is a Costco Executive Membership Worth It? Get a new Sam's Club membership for $25 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Millions of workers are leaving open retirement accounts with thousands of dollars sitting ignored or forgotten. If you’ve changed employers over the years, Clark’s has an assignment for you to make sure you get ALL your retirement money! Also in this episode, Amazon has announced their internet service to compete with Starlink. Who wins with the additional options we will have? The consumer! Neglected Retirement Accounts: Segment 1 Ask Clark: Segment 2 Amazon Satellite Internet: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: Set It and Actually Forget It Clark.com - How To Find Missing or Lost Retirement Accounts How To Find and Claim Missing Money in Your Name How To Open a Roth IRA State Farm® and Ting can help protect your family from electrical fires Cord Cutters News: Amazon’s New Home Internet Service Announces New Details T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Wells Fargo Active Cash® Card Review: Unlimited 2% Cash Back Credit Card Clark Deals - Today's Best Deals of the Day Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

For parents who want to keep their kids safe, an SUV is often a popular choice. If you’re considering buying an SUV, Clark has a new report from the Insurance Institute for Highway Safety you need to hear first. Also, several states are suing a retailer for overcharging at check-out - a symptom of a systemic problem. Clark has some ways to help you eagle eye your check out prices, and protect your wallet! SUV Safety: Segment 1 Ask Clark: Segment 2 Beware Retail Pricing Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show Ford's Mustang Mach-E scores highest in crash safety test among 13 midsize SUVs - from Detroit Free Press IIHS.org Back-seat safety lags in midsize SUVs Turo: 5 Things To Know About the Cheap Car Rental Service Roth vs. Traditional 401(k): What's the Difference? At Dollar General, a Staple for Many, a Record of Overcharging IRS Payment Plans Installment Agreements Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Regardless of what happens with economic cycles, there are clear patterns in the job market that spell OPPORTUNITY - if your aptitude matches the need. Clark points the way to jobs that pay, with and without a college degree. Also, we all pay for heavy losses inflicted by shoplifting rings, and now the cost of shoplifting can feel like more punishment, as retailers use various tactics to fight back.  Prepare For Jobs That Pay: Segment 1 Ask Clark: Segment 2 Retail Vs Shoplifting Rings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Report: Top 10 Colleges Whose Graduates Earn the Most 100 colleges whose grads go on to earn the most America Is Trying to Electrify. There Aren’t Enough Electricians. What Is Non-Owner Car Insurance And Who Needs It? - Forbes Public Service Loan Forgiveness (PSLF) - Federal Student Aid 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul WSJ - Shoplifting Climbs as In-Store Shopping Returns What Is Long-Term Care Insurance Cost & Coverage Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! A chance for Clark to learn from you. Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Lump sum spring contributions to an IRA for the prior year are not uncommon, and are right for some earners. But that’s the exception - not the rule. Know the most advantageous way to fund your IRA. Clark Stinks: Segments 1 & 2 When To Fund Your IRA: Segment 3 Ask Clark: Segment 4 Mentioned on the show NCUA - National Credit Union Administration CUNA: Credit Union National Association You Can Roll Your 529 Plan To A Roth IRA Beginning In 2024 Buying Gas From a Station on This List Is Better for Your Car 12 Things You Never Knew You Could Get From Your Local Library Matching Contributions 101: How to Maximize Your Retirement Savings Now Retirement Savings Contributions Savers Credit - IRS NYTimes.com: Why Investing at the Last Moment Can Hurt Your Returns Where To Buy the Best Cheap Printer How To Dispute a Charge on Your Credit Card Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Panic has turned to confusion in the wake of the SVB failure. Clark summarizes how we got here, how it differs from 15 years ago, and how the moral hazard in the system should be fixed. Clark breaks it down to 2 key points, and what individuals and businesses with funds greater than the quarter million FDIC limit should do going forward to secure their funds. Also, Clark tells you what’s behind the big streaming service increases and your alternatives. With market changes come new opportunities. If you’re willing to adapt and experiment you can save so much money - with more content than you can watch. Bank Failure Update: Segment 1 Ask Clark: Segment 2 SAVE on Streaming TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Midmarket Firms Re-Evaluate Regional Bank Risk Following Crisis NYTimes.com: Two Big Ideas for Preventing Another Banking Crisis Experts, banks look for ideas to stop next bank failure The forgotten rescue plan that could prevent another SVB-like collapse Fed to Consider Tougher Rules for Midsize Banks After SVB, Signature Failures - WSJ. SVB is the first social media bank run in history. Banks Trade Relief Now for Regulation Later - The Wall Street Journal. Yellen Says U.S. Ready to Protect Smaller Banks if Necessary Certificate of Deposit Account Registry Service CDARS How To Open a Roth IRA Custodial Roth IRA: How And Why To Start A Roth IRA For Kids Turbocharge your child's retirement with a Roth IRA for Kids Clark.com: YouTube TV Raises Monthly Rate for First Time Since 2020 Clark.com: 5 Cheaper Streaming Alternatives to YouTube TV Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - STREAMING TV 4 Things To Know Before You Buy a Digital TV Antenna Submit a complaint | Consumer Financial Protection Bureau Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With full employment and increased turnover happening concurrently, burnout, layoffs and “revenge videos” from ex-employees, it’s a confusing time in the job market. Survey says  80% of those who participated in the great resignation now regret it and are heading back to work. Know the key professional strategies for both finding and leaving a job.  Also in this episode, Clark updates his answer to the ongoing question - “is it time to buy an electric vehicle”... with some news from Tesla that for some, may change the equation.  Finding And Leaving A Job-Best Practices: Segment 1 Ask Clark: Segment 2 The Tesla Model 3: Segment 3 Ask Clark: Segment 4 Mentioned on the show Your essential guide to thriving through a layoff Why so many who took part in the Great Resignation have regrets Stressed about potential layoffs? You should practice ‘career cushioning’ How Much Should Your 401(k) Account Cost You All-In? Top 10 Small Business 401(k) Plan Providers - Investopedia How To Open a Roth IRA Learn More About the AARP Fraud Watch Network State Elder Abuse Statutes | EJI - Department of Justice Edmunds: The most affordable EVs for 2023 Tesla’s price war on electric-vehicle and traditional automakers alike.  Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Though moderating, new and used vehicle prices are still high. And among those who bought at peak prices, late payments are escalating. Clark offers an overview of the car market, plus - direction for those upside down in loans and for would-be buyers.  Also, owning smart tech connected devices requiring software services - you buy them, you own them outright, right? What’s the catch? Clark explains. Vehicle Loans: Segment 1 Ask Clark: Segment 2 The Electronics Subscription Game: Segment 3 Ask Clark: Segment 4 Mentioned on the show Late Auto Payments Expose Cracks in Consumer Credit - The Wall Street Journal. Are You Following Clark's Maximum Auto Loan Length Rule? Mattress Buying - Clark Howard Community ByeByeMattress-Retailer Take Back WSJ- The Cameras Worked Fine. Their Maker Said They Had Reached Their End of Life. Should I Have Gold in My Portfolio Right Now? ETF vs. Mutual Fund: Which Investment Is Better? Should I Purchase Mortgage Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Health Insurance Guide Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One area of focus for Team Clark is helping with your monthly expenses including TV and cell phone costs. Clark shares more reasons to save on cell service. New data names cell discounters that offer higher customer satisfaction than the big 3 carriers. Also, shopping for profit: many are having 5 figure success with thrifting resale. Do you have a special skill, experience or interest that can be turned into real value?  Cheaper, Better Cell Service: Segment 1 Ask Clark: Segment 2 Side Hustle Success: Segment 3 Ask Clark: Segment 4 Mentioned on the show JD Power says mint mobile and US Cellular better than big name companies for customer service Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need Mint Mobile Review: 6 Things To Know Before You Sign Up Consumer Cellular Review: 5 Things To Know Before You Sign Up Best Cash Back Credit Cards: Top Picks for 2023 Fidelity Investments Review 2022: Pros & Cons What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? Online Thrifting Platforms Help Create Five-Figure Side Hustles 7 of the Best High-Yield Online Savings Accounts in February 2023 The Best Telecom Services for Landlines Amazon Photos 4 Ways To Stop Junk Mail How To Freeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? How To Prevent, Report and Repair Identity Theft Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, iPhone users are being targeted in a way that puts their entire digital life at risk. But there’s a feature that can help protect you from thieves gaining access to your accounts. Clark Stinks: Segments 1 & 2 iPhone Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Should Never Mail a Check How To Open a Roth IRA Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? What Is Owner's Title Insurance? 3 Things To Know Best And Worst Homeowners Insurance Companies: February 2023 Why You Need To Re-Shop Your Car Insurance Right Now Best Auto Insurance Companies and Ones To Avoid PRIVACY.com / Virtual Credit Cards: An Online Security Measure Worth Taking? A Basic iPhone Feature Helps Criminals Steal Your Entire Digital Life - The Wall Street Journal. How to Protect Your iPhone Data From Thieves - The Wall Street Journal. The $10 Travel Essential Clark Howard Always Packs Credit Freezes and Unfreezes - Credit - Clark Howard Community How To Prevent, Report and Repair Identity Theft Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A traditional but long abandoned living arrangement is popular again. Almost 1 in 5 Americans now live in multigenerational households. There are many layers to this, including home design to accommodate wider uses to enhance value.  Also, another reason Clark hates gift cards, and a specific warning about where you buy them. Multigenerational Households: Segment 1 Ask Clark - Bank Failure Follow Up & Medical Tourism: Segment 2 Gift Card Purchase Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Record 60 MILLION Americans are now living in multigenerational households WSJ - More Parents Are Moving In With Adult Children—at Younger Ages The US housing market is short 6.5 million homes Is Your Money Safe at Your Bank Right Now? NCUA - National Credit Union Administration NYTimes.com: Kidnapping in Mexico Draws Attention to Medical Tourism Industry Is Medical Tourism Right for You? HuffPost: Why You Should Avoid Buying A Gift Card From The Display Rack At The Store IRS Identity Protection PIN? - Taxes - Clark Howard Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The lay of the land for getaways is changing - Clark shares the keys to saving money on airfare this spring and summer and why a great time for bargain travel lies ahead. Plus, Clark’s updates on passport renewal and airline family seating. Also, as industries emerge from the ashes of the pandemic, we’re seeing increased efficiencies. Clark takes note of changes in the restaurant industry, and - for entrepreneurs - opportunity out of adversity. Travel Updates: Segment 1 Ask Clark: Segment 2 Restaurant Innovation: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Ways to Save Money on Summer Flights to Europe Expedited Passport Renewals Now Taking Over a Month - The Wall Street Journal. The Points Guy: United rolls out new family seating policy for economy tickets One Mile at a Time: Frontier Airlines' New Family Seating Policy 5 Discount Airlines You Need To Know About Top Travel Deals - Clark Howard / Clark Deals - Travel Barrons.com: Buy Toast Stock. It’s More Than Just Restaurant Payments. YouTube TV Ditches Popular Sports Network Amid Carriage Dispute MLB.TV /  Clark.com - STREAMING TV Should I Let an Insurance Company Track My Driving Habits in Exchange for Lower Insurance Costs? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Apple & Google don’t want you to know how to get phone app digital subscriptions cheaper because you taking one simple step costs them commissions. Clark spills - you SAVE. Also - banks are descending like locusts on homeowners fat with equity - with ads to pop that piggy bank! HELOCs are up 50% over a year. Learn the risks, the difference between home equity loans & lines of credit, and Clark’s Rule about the ONLY TIME it makes sense to tap home equity.  Avoid In App Purchase Punch: Segment 1 Ask Clark: Segment 2 Protect Your Home Equity: Segment 3 Ask Clark: Segment 4 Mentioned on the show The money-saving deals Apple and Google are hiding from you 5 Best Ways To Send Money Online Wise: the international account | Money without borders International Money Transfer from the United States - Revolut Best Credit Cards With No Foreign Transaction Fees in 2022 5 Things To Know About Series I Savings Bonds How To Open a Roth IRA 13 Steps To Keeping Your Email Safe and Secure Proton Mail — Get a private, secure, and encrypted email Discover Card: How To Remove Your Information From People Search Sites More homeowners tap equity juiced by soaring prices Home equity loans & lines of credit: 7 common questions answered Should I Get Pet Insurance? Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit How To Freeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, good news - rents are dropping all over America, but there’s a unique way to pay even less for an apartment that may suit your lifestyle.    Clark Stinks: Segments 1 & 2 Standby Apartment Rental: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - CRUISES When Do You Need a Travel Agent? Planning Retirement Using the Monte Carlo Simulation Retirement Nest Egg calculator - Vanguard Apartment Rents Fall as Crush of New Supply Hits Market - WSJ How you can get cheap rent, but it comes with a 'bump' notice. What it's like living on 'Standby' - from USA TODAY Is a biweekly mortgage plan a good idea? The Cheapest Places To Buy Contact Lenses Should I Buy Additional Insurance From a Rental Car Company? Welcome to the Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

So many people dread the experience of walking into a car dealership and trying to negotiate. Information is power. Clark shares how to do the work up front to properly buy a vehicle, and has a NEVER NEVER rule for buying new. Also, the FSA is an awesome benefit, but only if you USE it. A shocking stat you don’t want to be a part of: Half of workers with this benefit lose FSA money. How To Buy A Car: Segment 1 Ask Clark: Segment 2 FSA: Use It Or Lose It: Segment 3 Ask Clark: Segment 4 Mentioned on the show Automotive News - Consumers: Car buying lacks transparency Clark.com How to Buy a Vehicle Are You Following Clark's Maximum Auto Loan Length Rule? Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society Want a great credit score? Here's a trick you might want to try Workers Lose Billions Of Dollars In Flexible Spending Accounts A Simple Way To Help Your Kid Build Credit 9 Best Free Checking Accounts in February 2023 Best 529 College Savings Plans By State Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 7 Things on Deep Discount in March Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the biggest expenses we face is health insurance, and many have turned to medical cost sharing programs & ministries as an alternative to traditional insurance. Clark explains the inherent risks involved with these health care co-ops. Also, a follow up on the Kia and Hyundai theft problems causing auto insurance cancellations for some owners. There are remedies from the automaker which owners of the affected models need to know about.  Health Coverage Co-op Warning: Segment 1 Ask Clark: Segment 2 Kia and Hyundai Theft Solutions: Segment 3 Ask Clark: Segment 4 Mentioned on the show A Christian Ministry Promised An Obamacare Alternative. The FBI Says Its Leaders Pocketed $4 Million And Left Members With Thousands In Unpaid Medical Bills A Christian Health Nonprofit Saddled Thousands With Debt as It Built a Family Empire Including a Pot Farm, a Bank and an Airline 10 Ways To Save on Prescription Drugs What Does a Home Warranty Cover, and Is It Worth The Money? Here Are Your Home Warranty Horror Stories When Is the Best Time To Collect Social Security? AARP’s free Social Security calculator helps you maximize your benefits Maximize My Social Security: Calculate Your Highest Benefits Kia might owe you money. Here’s how to check Hyundai releases anti-theft software upgrade for 4 million cars after insurers drop some models   CUNA.org - Find a Credit Union Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many Americans are feeling financial pressure, and are trying to save everywhere they can. This has led to the growth of non buying co-ops across North America. Clark discusses Buy Nothing groups and other ways to reduce spending. Also, Clark tells you why you should go into a LASIK procedure with your eyes wide open, to protect both your vision and your wallet. Know the proper steps to take before receiving LASIK surgery. Buy Nothing Groups: Segment 1 Ask Clark: Segment 2 LASIK Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Buy Nothing is everything   Buy Nothing Project  /  Freecycle: Front Door [The Washington Post] The new TikTok trend is convincing people not to buy things The Free and Cheap List - Clark Howard How To Start Saving When Money Is Tight How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA Is it a good idea to rent-to-own a home? Seeing isn’t always believing when it comes to ad prices for LASIK eye surgery 6 Tips for Hiring a Contractor Best Online Banks: Free Checking and High-Interest Savings Accounts Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, attendance is down in movie theaters so the industry is trying to reinvent itself with wider offerings beyond popcorn and soda marked up 95%. Preview prices to determine if one-stop dinner & a movie makes for a budget friendly experience.  Clark Stinks: Segments 1 & 2 Movie Theater Reset: Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries 6 Best Apps To Save Money on Groceries Ask Clark: What Is a Backdoor Roth IRA? When Should You Get an Accountant To Do Your Taxes? Movie theaters get creative with food and drink as they struggle to fill seats Cruise Critic: Cruise Reviews, Cruise Deals and Cruises New Report: The 9 Best Cruise Lines for the Money The Only Way You Should Pay for a Cruise How To Use 'Vacations To Go' To Find Bargain Cruises Where Should I Look for a Great Deal on a Cruise in 2023? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Popshelf is a rapidly expanding, different kind of discount store. Clark checked it out and has a review.  Also, potential home buyers are between a rock and a hard place these days. With rising interest rates, we’re seeing more and more low down payment mortgage offers. Clark walks you through the personal assessment required to make the best decision. Popshelf Review: Segment 1 Ask Clark: Segment 2 Low Down Payment Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Dollar General’s new Popshelf stores chase inflation-weary shoppers in the suburbs All About Amazon Vine Fidelity Roth IRA for Kids NYTimes: Your 2023 Guide to Low-Down-Payment Mortgages Homeowners Insurance Archives - Clark Howard How To Freeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

They’re everywhere online - quizzes and surveys. They may seem fun & interesting BUT - the fun is at your expense. Learn how quizzes are used, and why there’s one question they’re always going to ask. Online content presents challenges. Also in the realm of social media, you’ve no doubt heard of “influencers,” but you may not realize it goes way beyond the Kardashians. There are some very subtle ways some of your favorite people to follow may be advertising to you.  Warning: Online quizzes: Segment 1 Ask Clark: Segment 2 The Influencer Game: Segment 3 Ask Clark: Segment 4 Mentioned on the show Don’t answer another online quiz question until you read this What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor NYTimes: No Open-House Party. Influencers Just Want an Open Door. 3 Things To Consider Before You Get Solar Panels When Should You Get an Accountant To Do Your Taxes? Enrolled Agents | Internal Revenue Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares how he got started and the life lessons that motivated and inspired him to do what he loves doing today - empowering others to live their best lives. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free.  Clark BIO: Segment 1 Missing Money: Segment 2 Mentioned on the show About Clark Howard How to Find and Claim Missing Money in Your Name How To Find Missing or Lost Retirement Accounts Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  And today, that goes double. It’s an all Clark Stinks Friday. Mask up for the Reekoning!  Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks How To Find Cheap Flights in 3 Easy Steps   /   Matrix Airfare Search Avelo Airlines | Official Site | Book Now and Save  /  Breeze Airways The Best Time and Place To Buy a Mattress What Is Long-Term Care Insurance Cost & Coverage No more paper statements only electronic - Clark Howard Community What Is a 403(b) and How Does It Work? Best Balance Transfer Credit Cards: Top Picks for 2023 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Retailers are using more and more psychological tactics to get you to buy. Know the tricks of the trade to not get played - and avoid impulsive spending.  Also, why Clark considers “annuity” profanity, but he’d rather have to say it, than to see you pay it. They’re being sold like crazy, disguised by fancy names. Know them when you see them  - and the 2 annuity type exceptions. Retail Mind Tricks: Segment 1 Ask Clark: Segment 2 Annuity Warning!: Segment 3 Ask Clark: Segment 4 Mentioned on the show How shopping sites are using psychology to trick you into spending more — and 3 ways to avoid them How To Plan a Trip: Clark's Best Travel Tips To Save Money Clark.com: How To Buy Term Life Insurance in 7 Easy Steps Inside Wall Street's gloom-and-doom racket What Is an Annuity, and Why Does Clark Think They Stink? Immediate Payout Annuity: What Is It and Do You Need It? Longevity Insurance: What Is It and Do You Need It? Why You Need To Know Your Company 401(k) Fees How Much Should Your 401(k) Account Cost You All-In? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Auto insurance has increased significantly in the past 3 years. Clark covers the cost pressures - that vary per insurer - affecting your rates. This is why comparison shopping is more important than ever. Clark helps you get started. Also, it’s troubling that overwhelmingly, teens don’t have jobs any more, missing out on early work experience so beneficial to their life education. On the other hand, there’s an opposite trend that’s also troubling. Clark discusses family work culture decisions.  Shopping Auto Insurance: Segment 1 Ask Clark: Segment 2 Teens And Jobs : Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Need To Re-Shop Your Car Insurance Right Now Auto insurance is up by more than 15% this year in some states. Here's how to keep your premium down How to Shop for Car Insurance Car Insurance Archives - Clark Howard What Is Owner's Title Insurance? 3 Things To Know Should I Pay a Company To Lock Down My House Title or Is It a Scam? Delta Community Credit Union Car Loan Rates Navy Federal Credit Union Auto Loan Refinancing [The Washington Post] In a tight labor market, some states look to another type of worker: Children My Printer Is Extorting Me Where To Buy the Best Cheap Printer Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.  The No Surprises Act & Your Rights: Segment 1 Ask Clark: Segment 2 Your Rainy Day Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 Understand your rights against surprise medical bills - CMS Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors? Bankrate's Annual Emergency Fund Report | Bankrate Emergency Fund: Everything You Need to Know Fidelity Investments Review 2022: Pros & Cons Money market funds - Fidelity Investments The Monte Carlo Simulation: Understanding the Basics Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.  Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV       /      Clark.com: Sling Freestream Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.  Gambling Vs Investing: Segment 1 Ask Clark: Segment 2 Fake Shopping Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Retreat of the Amateur Investors 5 Sneaky Ways To Improve Your Credit Score NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In Clark.com- How To Spot a Fake Online Store in 6 Easy Steps Virtual Credit Cards: An Online Security Measure Worth Taking? Fidelity Investments Review 2022: Pros & Cons Metro by T-Mobile: 6 Things To Know Before You Sign Up T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Clark Howard's 4 Travel Rules You Should Follow Right Now Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Addressing the severe lack of affordable housing requires creativity and change around zoning, construction and serving seniors. Clark reports on some emerging options that can help ease housing cost pressures. Also, learn why current moves by manufacturers and retailers mean there’s added value to comparison shopping right now. Clark shares shopper savvy tips that can save you money.  Housing Rethink: Segment 1 Ask Clark: Segment 2 Shopping Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: The Next Retirement Communities Won’t Be Just for Seniors NYTimes.com: Senior Housing That Seniors Actually Like 3D-printed homes level up with a 2-story house in Houston What Is a 403(b) and How Does It Work? BBB - TicketSales.com When Is Grinding Out Savings Through Comparison Shopping Not Worth It? How You Can Use Unit Price To Save Money When Shopping 22 Ways To Save Money on Groceries ChexSystems.com Home Page How To Prevent, Report and Repair Identity Theft 5 Things You Should Repair Instead of Replace Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Got gift cards? Whether from individuals or employers, they’re a real target for fraudsters. If you received some over the holidays you still have - what you need to know now. Also, thinking of going on a cruise? Clark smart tricks of the trade include how and when to find a deal and what to watch out for.  Gift Card Fraud: Segment 1 Ask Clark: Segment 2 Save On Cruises: Segment 3 Ask Clark: Segment 4 Mentioned on the show WCVB Boston: Receive a gift card over the holidays? Check the balance Clark.com - How Do I Use All the Funds on My Virtual Gift Card? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor 3 Places You Should Never Invest Your Money IRS delays implementation of $600 reporting threshold for third-party payment platforms’ Forms 1099-K [The Washington Post] Love that cheap cruise price? Don’t forget the boatload of fees. Clark.com - Where Should I Look for a Great Deal on a Cruise in 2023? Clark.com - Cruise Information As new owner picks up pieces of custom-furniture e-tailer Interior Define, thousands of customers remain in limbo (msn.com) Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the latest jobs report has even the experts confused. Clark discusses the ongoing forces shaping our economy moving forward to foster informed decisions in your life. Clark Stinks: Segments 1 & 2 Clarkonomics & You: Segment 3 Ask Clark: Segment 4 Mentioned on the show SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know 5 Steps To Getting a Good Deal on a Hotel Room New Report: The 9 Best Cruise Lines for the Money How To Use 'Vacations To Go' To Find Bargain Cruises NYTimes.com: Pace of U.S. Hiring Surges Unexpectedly Why did we get a monster jobs report if the economy is slowing? 4 key takeaways from the jaw-dropping January jobs report Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark warns about an old scam now active again - fake parking tickets! Learn who is targeted, how the scam works, and how to verify a parking ticket. Also, If you need a new mattress, what to know about the industry and why now is the time to buy.  Scam Alert: Fake Parking Tickets: Segment 1 Ask Clark: Segment 2 Primo Time To Buy A Mattress: Segment 3 Ask Clark: Segment 4 Mentioned on the show BBB Scam Alert: How to spot a parking ticket scam Shopping around for MRIs, CT scans, mammograms and blood work can save big bucks Wills versus Trust - Clark Howard Community Mattress Buying - Clark Howard Community Niagara Falls Tourism Fee: How to avoid the charge (CBC Marketplace) Your Guide to Vehicle Subscriptions, the Alternative to Leases and Loans SIXT rent a car | Premium Car Rental & Top Deals Worldwide Turo: 5 Things To Know About the Cheap Car Rental Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.  Know Thy Neighbor: Segment 1 Ask Clark: Segment 2 Credit Card Debt Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Sue Thy Neighbor: Homeowner Spats Over Fences, Trees and Additions Get Nastier - WSJ Clark.com - Timeshares The #1 Bill You Should Make Sure You Get by Mail No more paper statements only electronic - Clark Howard Community US consumers increased their borrowing by $28 billion in November Your Passport Could Be Useless -- Even if It's Not Expired 22 Ways To Save Money on Groceries How to Budget With a Cash Envelope System Why You Should Keep Old Credit Card Accounts Open Should You Get a Store Credit Card? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With some big pharmacies now cutting their hours due to labor shortages, Clark revisits your best options, covering employer Pharmacy Benefits Managers, and a new pharmacy option from Amazon. Also, Clark reacts to stories of corporate treatment of employees emerging from massive tech layoffs, and has key advice if you find yourself in the unfortunate situation of losing your job. Rx Saving Strategy: Segment 1 Ask Clark: Segment 2 Layoffs: Conduct On Both Sides: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: CVS, Walmart to Cut Pharmacy Hours as Staffing Squeeze Continues Amazon Launches $5-a-Month Prescription Drug Plan - The Wall Street Journal. Amazon Pharmacy: RxPass Report: The Best Pharmacies for Customer Satisfaction How To Buy Term Life Insurance in 7 Easy Steps BBB-File a Complaint Submit a complaint | Consumer Financial Protection Bureau NYTimes.com: Layoffs by Email Show What Employers Really Think of Their Workers The massive wave of layoffs is giving tech workers a brutal wake-up call about the reality of work NYTimes.com: Tech Layoffs Shock Young Workers. The Older People? Not So Much.  5 steps to take if you get laid off NYTimes.com: How to Cope When You’re Shown the Door How To Open a Bank Account in 6 Easy Steps Fidelity Youth Account - Any Good? - Clark Howard Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Flowers, chocolates, dinner - Clark smart ways to save on Valentine gifts. Plus, our Clark.com audience poll answers the question - How much should you spend on a first date? Also, Clark weighed in on buying an EV just 2 months ago. But prices have dropped recently. Has this changed his recommendation? Save on Valentine Gifts: Segment 1 Ask Clark: Segment 2 EV Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: No More Dinner and a Movie. Cheapskate Daters Want Less. - The Wall Street Journal. How much money should someone spend on a first date in 2023? WSJ.com: Tesla Cuts Prices Across Models Sold in U.S. Ford cuts price of Mustang Mach-E to compete with Tesla, offers deal to recent buyers too   Ford drops the price of its Tesla competitor BlackRock, World's Largest Asset Manager, Buys Stake in Small-Business 401(k) Startup - WSJ. The 401(k) for small and medium-sized businesses | Human Interest | How to Start Investing and Saving for Retirement Fidelity Investments Review 2022: Pros & Cons Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark clears confusion over settlements being paid by T-mobile and AT&T - and has a necessary fraud protection step for T-Mobile customers.  Clark Stinks: Segments 1 & 2 AT&T and T-Mobile Settlements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Robinhood Introduces IRA With A 1% Contribution Match Should I Buy Additional Insurance From a Rental Car Company? Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know Use Guided Access with iPhone, iPad, and iPod touch Are you a former AT&T unlimited data plan customer? Read on  How to Claim Your Part of AT&T's $60 Million Settlement - CNET AT&T Data Throttling Claim Form T-Mobile Says Hackers Stole Data on About 37 Million Customers - The Wall Street Journal. SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know Account Takeover Protection by T-Mobile Clark Howard's Guide to Saving Money on Your Wedding Clark.com - 5 Steps To Getting a Good Deal on a Hotel Room Clark.com - What Credit Cards Does Costco Accept? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax season time and documents are rolling in. Hiring a CPA, using Free File, TurboTax… you have filing options. Clark helps you choose the right one for your circumstances. And what is Return Free Filing and why don’t we have it in the U.S.?! Also, Americans in just 90 days lost a collective $42B in interest they would have earned taking their money out of Gang of 5 big bank savings accounts and placing it in higher yield accounts. Want to earn 20 times more interest?   Tax Filing Options: Segment 1 Ask Clark: Segment 2 Max Your Savings: Segment 3 Ask Clark: Segment 4  Mentioned on the show: Barrons.com: Return-Free Filing Would Revolutionize Americans’ Taxes IRS Free File: Free State and Federal Tax Filing Options for 2023 When to hire a tax professional - Clark Howard Community When Should You Get an Accountant To Do Your Taxes? Enrolled Agents | Internal Revenue Service What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Americans Missing Out on Billions in Interest - The Wall Street Journal. 2023's Best Savings Accounts - 5 Best Savings Accounts 2023 How To Switch Banks in 4 Simple Steps Best Balance Transfer Credit Cards: Top Picks for 2023 Fidelity Roth IRA for Kids Clark.com resources Episode transcrips Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark covers fakes and thefts. You may be thinking about Valentine gifts now and jewelry is a favorite choice. But before you buy, Clark has a warning about the prevalence of counterfeits, and how to protect your wallet. Also, theft rings and smash & grabs have been hitting retailers hard throughout the country. Hear what retailers are doing to fight rampant internal and external theft, and how it affects consumers  Counterfeit Warning: Segment 1 Ask Clark: Segment 2 Retail Theft Impact: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NYTimes.com: Jewelry Counterfeits: The Age-Old Problem Just Keeps Growing Should I Buy Insurance for Nice Sunglasses? When Do You Need a Travel Agent? Certified Travel Counselor - CTC - The Travel Institute Travel Archives - Clark Howard Should my son get non owners car insurance? NYPost - What Walmart, Target and other retailers are doing to deter crime Rising thefts at Walmart could lead to price jumps, store closures, CEO says The Minnesota Department of Health (MDH) Home Water Softening Clark.com - How To Sell A Car These 2 Things Can Maximize Your Chances of Selling Your House Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hardship withdrawals from 401(k)s have doubled over the past year. Clark discusses the tax ramifications and offers alternatives. Also, Clark champions entrepreneurs creating startups or joining franchises in tough times. But this comes with a very important warning vital to success: Vetting an opportunity and avoiding the job & training scamsters infesting the market. Know the signs. 401(k) Hardship Withdrawals: Segment 1 Ask Clark: Segment 2 A Warning For Entrepreneurs: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NYTimes.com: Hardship 401(k) Withdrawals, Explained 6 Things To Know Before Contacting the National Foundation for Credit Counseling Should You Pay for Credit Monitoring? How To Freeze Your Credit With Experian, Equifax and TransUnion Why You Should Never Invest With a Bank Business opportunities and trainings that claim you’ll make big money are often scams Real Estate Investing: What To Know BEFORE You Start Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there’s some important stats and steps to know when financing a vehicle. Clark tells you how to short circuit getting ripped off on a car purchase.   Clark Stinks: Segments 1 & 2 Vehicle Financing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 4 Travel Rules You Should Follow Right Now How To Pack a Carry-On the Right Way 6 Best Background Check Services How To Get a Gym Membership for Practically Free YMCA of the USA - A Leading Nonprofit Organization Shipt Review: 5 Things To Know Before Your First Order Target RedCard Credit Card Review: Earn 5% Back on Purchases Report: The Average Price of a New Vehicle Credit Unions Gain Top Share Of Auto Lending In U.S. For First Time Ever Car & Driver - How to Get the Best Car Loan Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide How to Buy a Used Car in 7 Steps / How to Buy a New Car in 5 Steps Are You Following Clark's Maximum Auto Loan Length Rule? Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Your dining out experience may be getting better as labor shortages ease in some areas, and tech provides new efficiencies in the restaurant business. Plus, hear how drone delivery is expanding. Also in this episode, Clark weighs in on the enlightened self-interest of employers allowing 4 day work weeks and flex scheduling - Win Win.  Tech Efficiencies: Segment 1 Ask Clark: Segment 2 Flexible Work Schedules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ: Restaurant Staffers Are Returning to Work After Covid Flight Barrons.com: Robots Are Replacing Workers Lost in the Pandemic. They’re Here to Stay. Walmart Delivery Drones Now Operate in 7 States How and Why To Refinance Your Mortgage: A Step-By-Step Guide Mortgage Refinance Calculator - Clark Howard When to consider a Coverdell ESA to 529 plan rollover 40 HOURS OR 32? 4 DAYS OR 5? Clark.com - CREDIT CARDS 6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has long despised noncompete clauses for workers. There’s finally a new proposal to do away with them from the FTC. Clark is on board and has some advice for job seekers. Also, there are new rules for IRAs and 401(k)s. Clark clarifies new & forthcoming options.  Covenants Not To Compete: Segment 1 Ask Clark: Segment 2 New Retirement Account Rules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: FTC says proposed ban of noncompete clauses would strengthen workers' hand Home equity loans & lines of credit: 7 common questions answered What Is a Secured Credit Card and How Does It Work? CNET: Your IRA and 401(k) Are Changing in 2023: New Rules for Retirement Accounts Required Minimum Distributions: How To Calculate, Rules Tesla deliveries miss estimates due to logistical issues, slowing demand How to Make a Disposable Razor Last 12 Months Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

While recent changes to medical debt credit reporting will help, medical debt accounts for half the negative marks on credit reports, due in part to the medical industry’s resistance to lawful price disclosure under the No Surprises Act - which unfortunately excludes ambulance service. Clark discusses this glaring omission and the role of non-profits in tackling medical debt for consumers. Also, to solve traffic congestion we’re in a never ending quest to widen roads. But in this case, increased supply creates new demand. Clark offers a free market solution.  Medical Debt: Segment 1 Ask Clark: Segment 2 Clark’s Traffic Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Half of ambulance rides yield surprise medical bills. What's being done to protect people? How nonprofits help millions tackle their medical debt How Much Does an MRI Cost (With/Without Health Insurance)? Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money Turo: 5 Things To Know About the Cheap Car Rental Service Widening Highways Doesn’t Fix Traffic. So Why Do We Keep Doing It? How To Find a Good Moving Company Clark.com - Streaming TV Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you work remotely, you may be part of something that is going to make housing cheaper for all. Clark explains how Covid migration drove housing prices up, but longer term, is having the opposite effect. Also, something new - again - CD ladders. Clark explains how this saving technique can work for you in the current and foreseeable rate environment.  Remote Work & Housing: Segment 1 Ask Clark: Segment 2 CD Laddering: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rise of 'Zoomtowns' is going to make home prices and rents cheaper for everyone What Is a Lifestyle Spending Account (LSA)? - SmartAsset.com Cheapest Way to Rent a Car: Expert Tips Auto Europe® Car Rentals - Official Site SavingForCollege:Section 126: Rolling Over 529 Plan Funds Into a Roth IRA What Is a CD Ladder and When Is It a Good Idea? Best CD Rates for January 2023 - Bankrate.com Clark.com - Vehicle Purchase Should I Get Pet Insurance? Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - DEALS. Clark shares why January 20th is a key date for deep discounts, what’s on sale and where to find the bargains - including TRAVEL. Clark Stinks: Segments 1 & 2 Deep Discounts & Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Tool Shows Southwest Prices From Google Flights Search Walmart+ Membership Program: 4 Things To Know Google Voice How To Refuse an Inherited Timeshare 10 Things on Deep Discount in January Clark Deals - Today's Best Deals of the Day Why This Is the Best Time To Buy Series I Savings Bonds 5 Things To Know About Series I Savings Bonds Car Insurance Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax season is upon us with a better staffed IRS expected this year. Clark has a few reminders before you file. Also in today’s show - Clark has always advocated paying off debt. Does that include paying down your mortgage faster? Clark has a formula for determining that, and advice for prioritizing where to put any extra funds you may have.    Tax Reminders: Segment 1 Ask Clark: Segment 2 Funding Priorities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Start Preparing for Tax Season Now What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? Self employed 401K vs SEP - Investing - Clark Howard Community Mortgages Archives - Clark Howard BBB-File a Complaint Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the new year comes new health insurance deductibles, and many are feeling it when filling prescriptions. Learn why employer prescription plans are your frenemy - and what Mark Cuban is doing in the world of prescription medications. Also in this episode, what constitutes being wealthy? Clark discusses how people perceive and self-assess wealth in the U.S., knowing the difference between reality & headlines, and the role of lifestyle in determining wealth.  Rx Costs: Segment 1 Ask Clark: Segment 2 Defining Wealth: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mark Cuban’s Cost Plus Drugs Expands To Employers In Quest To Disrupt Big Pharma Will Mark Cuban's Prescription Company Really Save You Money? Clark.com Prescription Drugs How Investors Define 'Wealthy' Might Surprise You - Barron's Are You Rich? The Answer May Surprise You Fidelity Youth Account - Any Good? - Clark Howard Community Fidelity Youth Account Fidelity Investments Review 2022: Pros & Cons Best Homeowners Insurance Companies and Ones To Avoid  Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Various factors are contributing to a shortage of college students, forcing many schools to cut tuitions and reevaluate their relevance. This as state supported trade, technical and community colleges are challenged to better align curriculum to the needs of the workplace. Clark discusses the transformation in higher education, its value, and your new negotiating power. Also, Clark has the latest installment of the crimes and fines of Wells Fargo - a “bank” you’d do well to forego. Transformation in Education: Segment 1 Ask Clark: Segment 2 Again With Wells Fargo: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State What Is a Roth 401(k) and How Does It Work? How To Get the Best Price Possible Shopping Online NYTimes: Wells Fargo to Pay $3.7 Billion Over Consumer Banking Violations WSJ-Wells Fargo Reaches $3.7 Billion Deal With Regulators Over Consumer Banking CFPB Orders Wells Fargo to Pay $3.7 Billion for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts | Consumer Financial Protection Bureau Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, with the new EV tax credits, is this the year to buy an electric vehicle? Clark goes over the important considerations around this major decision. Clark Stinks: Segments 1 & 2 EV Tax Credits & Update: Segment 3 Ask Clark: Segment 4   Mentioned on the show: 5 Things To Know About Series I Savings Bonds Inflation for goods fell while inflation for services increased 7 Items You Should Never Carry in Your Wallet Report: Top Vehicles Most Likely To Last 200,000 Miles Uni - One Toll Pass. 19 States. These Big Banks Are Finally Doing Something About Zelle KENTUCKYBoard of Pharmacy KASPER Questions Here’s what you need to know about the new EV tax credit for 2023 Tesla deliveries miss estimates due to logistical issues, slowing demand What Is an HSA Account and How Does It Work? The worst insurance in the world How To Buy Term Life Insurance in 7 Easy Steps  Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Freelancing and side gigs are becoming the norm for many Americans between jobs or looking to make more money. Get Clark’s tips on how to find legit jobs and set up your side business. Later, how would you like a bank loan at 200%? Predatory lending is happening on a national scale, hurting lots of people - and it’s legal. Clark explains how this came about and what you should know to avoid this trap.  Freelancing & Side Gigs: Segment 1 Ask Clark: Segment 2 Predatory Loan Warning: Segment 3 Ask Clark: Segment 4   Mentioned on the show: IRS says it will delay requirement to report $600 in gig work on taxes There are more than 70 million freelancers in the U.S.—here’s how they can raise their rates LA Times - If you’re looking for a side hustle, avoid these job sites January is often a big month for layoffs. Here's what to do in a worst case scenario As tech layoffs surge, nonprofits are calling SideHusl - Find the Best Money Making Option for You T-Mobile Introduces New SIM Protection Feature How To Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips How To Prevent, Report and Repair Identity Theft How 4 small Utah banks have taken their 'predatory lending' national. It's all thanks to state law, critics say The Cheapest Places To Buy Contact Lenses SIPC - Securities Investor Protection Corporation Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark gets back to basics today to help you determine if you need a budgeting app and which one may work best for you. Also in this episode, the streaming giants are losing subscribers and money so changes are on the way. Get Clark’s take on what to look out for to protect your wallet, and what to know about free TV.  Budgeting Apps: Segment 1 Ask Clark: Segment 2 Streaming Changes & Free TV: Segment 3 Ask Clark: Segment 4   Mentioned on the show: How Safe Are Budget Tracking Apps and Software? Clark.com Best Budeting Apps Clark.com Mint Review; Clark.com PocketGuard Review; Clark.com YNAB Review; Clark.com Honeydue Review; Clark.com Mvelopes Review Saver's Credit: How To Get Free Money To Save for Retirement 2023 and Beyond: Clark Howard Predicts the Future of Streaming TV Streaming TV's Party Is Over. Now Comes the Hangover Upgrades in Free Over-the-Air TV Are Making It Better Live TV Streaming Channel Tool Freevee Review: What You Should Know About Amazon’s Free Streaming Service 4 Things To Know Before You Buy a Digital TV Antenna How To Watch Local Channels Without Cable How To Find Cheap Flights in 3 Easy Steps No Surprises Act - CMS Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a price war going on in the cell phone industry and consumers can win savings! Clark points the way. Also, the South experienced record cold over the holidays causing pipes to burst and costing millions in water damage. No matter where you live, know how to prevent this and what steps to take if you have suffered damage to your dwelling. Cell Plan Deals: Segment 1 Ask Clark: Segment 2 Prevent Busted Water Pipes: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Verizon: Start the Year with more savings. Switch to Verizon for just $25 per line. Guaranteed for 3 years. Boost Infinite Early Access: New $25 Monthly Unlimited Postpaid Phone Plan Boost $25 per month and includes intl calling from US Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need 7 New Cell Phone Deals in January NYTimes.com: In Much of the South, Subfreezing Weather Crippled Water Systems Popmoney Pros and Cons What Is a CD Ladder and When Is It a Good Idea?   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark goes back to basics on credit card debt.  If you're committed to paying off debt, Clark smart strategies can help get you to debt free.  Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Poll: Almost half of Americans are holding on to unused gift cards How To Sell Gift Cards Online for Cash-Clark.com Should I Tip on a Cruise? What Clark Howard Thinks of 'Crypto Winter' After Big Crash Best Free Password Managers: 7 Top Picks How To Create a Safe Password Clark.com How To Get Out of Debt in 7 Steps Best Balance Transfer Credit Cards: Top Picks for 2023 6 Things To Know Before Contacting the National Foundation for Credit Counseling Have you joined Clark's 'Ditch Your Debt' Facebook group yet? Ditch Your Debt - Clark Howard Community How To Improve Your Credit Score by 100 Points in 30 Days Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Airbnb hired a background check company to vet owners and renters, fueling complaints of unjustified bans, mistaken identity, and no real appeal process. Clark weighs in. Also - planes, trains and automobiles - Clark got caught in the Southwest meltdown, and recounts his 3 day journey to make it home by Christmas. Airbnb Background Checks: Segment 1 Ask Clark: Segment 2 Clark’s Holiday Travel Misadventures: Segment 3 Ask Clark: Segment 4   Mentioned on the show: USA TODAY: Does Airbnb do criminal background checks? Yes. Policy sparks backlash among consumers [The Washington Post] Long a fan favorite, Southwest’s model now faces questions NYTimes.com: The Shameful Open Secret Behind Southwest’s Failure Costco Travel: 5 Things To Know Before You Book The Only Way You Should Pay for a Cruise How To Use 'Vacations To Go' To Find Bargain Cruises Should I Tip on a Cruise? Taxes - Clark Howard Community How To Open a Roth IRA U.S. Bank Savings Account Rates - Bankrate 8 of the Best High-Yield Online Savings Accounts in 2022-Clark.com Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A new year, and many have resolved to work out more. Clark answers the burning question: When do you sign a contract with a gym that obligates you for 1, 2 or 3 years? Get the lowdown on gym membership and the commitment to fitness. Also, hear why younger generations are now more likely to suffer fraud than seniors. Clark counts the ways, and shares how to protect yourself.  Commit To Be Fit: Segment 1 Ask Clark: Segment 2 Fraud For All: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Why Planet Fitness hasn’t raised its $10 monthly gym price in 30 years WSJ: How Old Do You Feel? The Answer Can Reveal a Lot About Your Health, Scientists Say WP - To live longer, pick up the pace just three minutes a day, study shows Follow the 'Minute Rule' to make exercise a daily habit How To Talk to Your Partner About Money Before Marriage Clark Howard's 5 Money Tips for Couples Fraud reports and losses: Not just a grandparent's story What Is a Fiduciary Financial Advisor and Do I Need One? NFCC - National Foundation for Credit Counseling - Home Should I Get an Umbrella Insurance Policy? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Gift cards are universal but there’s a mistake about half us make with them. Major retailers make hundreds of millions of dollars on gift cards never redeemed. Clark has an assignment for you, including when best to start. Also - “cash stuffing” - a new term for a classic idea Clark has long recommended, can teach the real value of real money.  Gift Cards: Segment 1 Ask Clark: Segment 2 Cash Stuffing: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Poll: Almost half of Americans are holding on to unused gift cards How To Sell Gift Cards Online for Cash-Clark.com 5 Things To Know About Series I Savings Bonds How to Budget With a Cash Envelope System Axios: Cash stuffing is back How to Save Money on Car Insurance Money Challenge: How To Save $2,023 in 2023 - Clark.com Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark shares a key step to defend your identity and accounts from SIM swapping - the theft of your cell service. Now T-Mobile has a new security feature that helps block this type of fraud. Clark Stinks: Segments 1 & 2 T-Mobile SIM Protection: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Welcome to Clark’s Christmas Kids 2022 Clark's 4 Secrets To Save Money on Your Laundry What Is a Solo 401(k) and How Does It Work? Self employed 401K vs SEP - Investing - Clark Howard Community How an AARP Membership Can Save You Money How To Store Your Important Financial Documents Online 7 Best Free Cloud Storage Options in 2022 SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know T-Mobile Introduces New SIM Protection Feature TmoNews: T-Mobile implementing a new security feature for SIM swap requests BBB-File a Complaint Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news this Christmas week - Despite upheaval in some employment sectors, Clark shares indications we are moving closer to economic equilibrium. Gas prices are now lower, including diesel for truckers, and a new report finds online prices declining as well in many categories. Also, the car rental game has gotten tougher for consumers. Companies are becoming more fee aggressive. Know the Clark smart steps for renting a vehicle.  The Economy Speaks: Segment 1 Ask Clark: Segment 2 Car Rental Rules: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Mortgages Archives - Clark Howard Should I Buy Additional Insurance From a Rental Car Company? Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know How to Avoid Car Rental Toll Charges - AutoSlash E-ZPass Group - Home Uni - One Toll Pass. 19 States. How to Add Bluetooth to Your Car | Digital Trends UShip Review: 5 Things To Know Before You Use the Shipping Service Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many loved ones are separated, living in different parts of the country, and that has consequences and remedies worth considering, especially over the holidays. Also, tis the season for identity theft. Clark covers the basics including different types of ID theft and 3 key strategies to protect yourself, including some NEVER EVER rules.  Reconnecting This Holiday: Segment 1 Ask Clark: Segment 2 Identity Theft: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Barrons.com: Americans Are Lonelier Than Ever—and That’s Bad for Your Health Should You Buy an Extended Warranty on Your Car? How To Freeze Your Credit With Experian, Equifax and TransUnion Worried about identity theft? What to do to minimize your risk There are no perfect solutions for identity theft. But experts and a victim have ideas Are you the victim of identity theft? Here’s what to do How To Prevent, Report and Repair Identity Theft The USPS mailbox scam: A sticky crime reportedly makes a comeback Why You Should Never Mail a Check Credit Karma Review: Free Credit Score and More at Your Fingertips Clark Howard Community - The place to learn about how to save Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is it wiser for a family to fund an investment account over a 529 plan? 529 plans are a slam dunk for a kid definitely going to college. But if there’s uncertainty surrounding attending college, Clark offers 2 alternative ways to save for the best tax outcome. Also, the pharmacy industry is under duress due to staffing shortages. Learn which are the top-ranked pharmacies for customer service. Investment Account Vs 529 Plan: Segment 1 Ask Clark: Segment 2 Best Pharmacies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: MARKETWATCH: How $10,000 will help my newborn granddaughter have a better retirement Best 529 College Savings Plans By State What Are Index Funds? / Best Investment Companies for Investors in 2022 How To Open a Roth IRA Clark.com Report: The Best Pharmacies for Customer Satisfaction Can Credit Repair Companies Really Raise Your Score? How to Deal With Medical Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Fidelity Personalized Planning & Advice Review   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Despite increased wages, average earnings have not kept pace with inflation. Since the initial pandemic layoffs, labor force participation has gone down meaningfully, especially among men, while job opportunities with training and higher wages abound. Clark tells you how to bid your wages up in this evolving economy. Also, teaching youth about money now needs to include crypto, which can be challenging to understand much less explain. Hear Clark’s explanation of digital currency, & the problem and promise of crypto. Wage Inflation - Opportunity: Segment 1 Ask Clark: Segment 2 Teaching Kids About Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Are Middle-Aged Men Missing From the Labor Market? Cheaper Netflix Is Here: 5 Things To Know How To Sell, Cancel or Get Rid of Your Timeshare How Parents Can Teach Their Kids About Cryptocurrency NYT - The Crypto Industry Struggles for a Way Forward What Is a Fiduciary Financial Advisor and Do I Need One? Straight Talk Wireless Introduces Prepaid Home Internet Submit a complaint | Consumer Financial Protection Bureau   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - lots of people would like to retire early, but how do you know if you are really ready? Clark talks through 2 major areas to consider, before making that big decision. Clark Stinks: Segments 1 & 2 Retirement Readiness Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash Virtual Credit Cards: An Online Security Measure Worth Taking? WP- You probably don’t need to worry about public WiFi anymore What VPN Do You Use? - Technology - Clark Howard Community Citi Removes Important Benefit From Costco Credit Card Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Why You Should Never Mail a Check Google Fi Review: Things To Know Before You Sign Up These Big Banks Are Finally Doing Something About Zelle How to Retire Early / The 4% Rule: Why it still makes sense for retirement 10 Questions to Help You Decide if You’re Really Ready to Retire Early Amount of Roth IRA Contributions That You Can Make For 2023 IRS - Contributions to Individual Retirement Arrangements (IRAs) IRS - Retirement Topics - IRA Contribution Limits Why You Should Never Invest With a Bank What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

This is the week for appreciating service providers with holiday tipping - more of an art than a science. Needed guidance found here. Also, Clark has a prediction about new heat pump, solar and EV tax credits, and reasons you should take your time approaching these incentives. Holiday Tipping: Segment 1 Ask Clark: Segment 2 Energy Tax Incentive Advice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Holiday Tipping: Who To Tip and How Much  The no-stress guide to holiday tipping Holiday Tipping Guide: Who to Tip (And How Much?) Evaluate Life Insurance - Consumer Federation of America Live TV Streaming Channel Tool Save More on Green Home Improvements Under the Inflation Reduction Act Heat Pumps vs Solar Panels: Which Give More Energy Savings? [The Washington Post] Federal probe finds big solar firms flouted trade rules The #1 Thing Clark Howard Hates About Solar Panels Can Dual-Use Solar Panels Provide Power and Share Space With Crops? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When applying for a credit card, knowing your approval odds is a great tool being offered more often. But therein lies hazard. Household debt is rising at the fastest rate since 2007 as credit card debt soars. Also in this episode, Clark lays out 2 main reasons home prices have been going up beyond the general rate of inflation since before the recent run ups, and offers a partial remedy for home buyers to consider as home prices now moderate. Credit Card Debt: Segment 1 Ask Clark: Segment 2 Housing Affordability: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Credit Karma Review: Free Credit Score and More at Your Fingertips The Points Guy: American Express adds 'Apply with confidence' tool prior to submitting applications Coming soon: The big credit squeeze Clark.com - CREDIT CARDS  Target RedCard Credit Card Review: Earn 5% Back on Purchases Best Cash Back Credit Cards: Top Picks for 2022 6 Things To Know About the Capital One Venture X Rewards Credit Card The Median Home Size in Every U.S. State in 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Amazon has a new virtual health clinic. Clark explains the tie-in with Amazon Pharmacy and how this limited service works. Also, there’s a battle royale over pricing between manufacturers and retailers that goes way back and has recently gotten bigger. When shopping online, ever wonder why you often can’t see the price until you put the item in your cart? Clark explains what’s really going on and how to proceed. Amazon’s Virtual Health Clinic: Segment 1 Ask Clark: Segment 2 Manufacturer Pricing Restrictions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Health Care Has a New Virtual Clinic: Amazon Clinic New York Post: Companies set minimum prices to halt discounting among online retailers amid soaring inflation First TVs, now tortillas: U.S. companies set minimum prices to halt discounting Are cheap sunglasses bad for your eyes? Best Credit Cards for Extended Warranty: Top Picks for 2022 Clark.com - TIRES The Best Places To Buy Tires How to Save Money on Car Insurance Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Has your power company offered you a “special deal” that they say may save you money? Because it’s become much more complicated to provide kilowatts, power companies are trying to shift capacity burden to consumers via time of use meters and certain incentives. Clark shares how this could end up costing you more. Also, what’s better for your investments - actively managed mutual funds or index funds? A new study reveals some facts about investing you may not be aware of that can affect your outcome.    Energy Use Demand-Response Plans: Segment 1 Ask Clark: Segment 2 Mutual Vs Index Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Utilities Hope You’ll Fix Their Power Problems - The Wall Street Journal. What Is Time-of-Use Metering and Should You Sign Up? How to handle money when you're traveling overseas 4 Money Tips To Learn Before You Travel to Europe Do Not Give Your Social Security Number at These Places How To Freeze Your Credit With Experian, Equifax and TransUnion NYTimes: Mutual Funds That Consistently Beat the Market? Not One of 2,132. To make money, avoid these common investment biases Best Investment Companies for Investors in 2022 What Is a Roth 401(k) and How Does It Work? What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? Immediate Payout Annuity: What Is It and Do You Need It? Longevity Insurance: What Is It and Do You Need It? 2 Ways To Guarantee Yourself a Lifetime Stream of Income Cheapest Way to Rent a Car: Expert Tips Credit Card Car Rental Insurance: What You Need To Know Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode: Reading is fundamental and a bit of a lost art due to technology. Yet, it’s technology that can make the enriching and relaxing endeavor of long-form reading all the more convenient - and sometimes FREE. Clark helps you discover your e-book options. Clark Stinks: Segments 1 & 2 Free E-Books: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Important Advice on Funeral Planning CNET-Costco Shoppers: Here's How Much You Actually Save Compared to a Grocery Store How to spot and avoid fake product reviews on Amazon The #1 Bill You Should Make Sure You Get by Mail NYTimes.com: How to Make the Most of E-Books, and Find Free Ones 15 of the Best Places To Find Free E-Books  11 of the Best Places To Find Free Audiobooks Should I Get an Umbrella Insurance Policy? Welcome to Clark’s Christmas Kids 2022   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The news just gets worse for travelers dealing with airline customer no service. Clark cites heavy fines against airlines for non refund of tickets on canceled flights, and discusses how you can avoid high baggage fees. Also in this episode: Grocery inflation is beginning to ease, item by item and Clark shares a money saving example in the meat department, and why using a “reverse shopping list” is key to spending less.  Airline Fees: Segment 1 Ask Clark: Segment 2 Supermarket Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ-These Travelers Would Rather Eat Glass Than Pay an Airline Fee Frontier Airlines Drops Its Customer Service Phone Line New Tool Shows Southwest Prices From Google Flights Search Look out! Airlines are setting a carry-on luggage trap Frontier, 5 other airlines to refund more than $600 million Safely Short-Term Vacation Rental Insurance & Guest Screening BBB-File a Complaint Experian Boost Review: How 3 Bills Helped Raise My Credit Score 14 Points Check Overpayment Scams | Consumer Protection Bureau How To Spot, Avoid, and Report Fake Check Scams Straight Talk Wireless Introduces Prepaid Home Internet Live TV Streaming Channel Tool Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the price of cars still up there, your money should buy reliability. Clark runs down highlights from new Consumer Reports rankings. Also in this episode: Like a game of Twister, corporate pandemic pivots left some in better stead than others. Many tech companies over expanded and it’s coming back to haunt those companies, their employees and customers.  Reliable Car Brands: Segment 1 Ask Clark: Segment 2 Corporate Pandemic Fallout: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Consumer Reports ranking for the most reliable cars of 2023 are in. Here are the winners. USA TODAY When Will Car Prices Drop? How to Buy a New Car in 5 Steps Best Travel Credit Cards: Top Rewards Picks for 2022 Best Rewards Credit Cards: Top Picks for 2022 WoofTrax – Dog Walking App  Charity Miles App | Walk, Run, Bike for a Causes Silicon Valley’s greatest minds misread pandemic demand. Now their employees are paying for it. Fired by Musk or Zuckerberg? The Old Economy Welcomes You - Bloomberg WP-It’s not your imagination: Shopping on Amazon has gotten worse Is Now a Good Time To Put Money in a CD? Warning: Watch Out for This Retailer Pricing Trick Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

This December the shelves are stocked and there are still deals to be had. Clark talks friendly prices in toyland and for clothing, laptops and appliances. Also this episode: Medical providers of all types are promoting instant credit. Clark explains why these credit plans are bad medicine - financially. Holiday Deals: Segment 1 Ask Clark: Segment 2 Medical Credit Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: The end of the end of HELOC Home - Elliott Report How To Reach a Human at Experian, TransUnion or Equifax The Best Way To Reach Customer Service at the Major Airlines How to Reach a Real Person at AT&T, Xfinity, Cox and More CNBC: Frontier Airlines gets rid of telephone customer service. How banks and hospitals are cashing in when patients can't pay for health care First, see if you can get your medical bill forgiven What Is an HSA Account and How Does It Work? Fidelity Investments Review 2022: Pros & Cons What Is Disability Insurance and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Introducing Vanguard Cash Deposit 10 Year-End Strategies To Cut Your Tax Bill Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Following a PR disaster and Senate hearings, the banks that created fraud-riddled Zelle are coming to the reform table. Clark describes testing going on now, soon coming to consumers. Also, the current state of holiday shipping is not what Clark predicted. Potential Zelle Reform: Segment 1 Ask Clark: Segment 2 Holiday Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These Big Banks Are Finally Doing Something About Zelle Best Credit Cards for Students: Top Picks for 2022 My Social Security Number Is on the Dark Web. What Should I Do? How To Freeze Your Credit With Experian, Equifax and TransUnion SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know SoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Is Now a Good Time To Put Money in a CD? Clark.com Community Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

The Costco Citi Visa card is eliminating one of its best benefits starting January 1st. Get Clark’s card benefit workaround. Also, if you’ve ever kicked yourself for not canceling a free trial subscription or an automatic renewal, you are not alone. Learn how to manage subscriptions and avoid the built-in hassles of free trials. Costco Citi Visa Benefit Cut: Segment 1 Ask Clark: Segment 2 Clark Savvy Subscription Management: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Citi Removes Important Benefit From Costco Credit Card Travel Insurance? What You Need To Know Before You Buy Best Travel Credit Cards: Top Rewards Picks for 2022 Best Credit Cards for Extended Warranty: Top Picks for 2022 Economy Skycouch - Air New Zealand 5 Things To Do Before You Sign Up for a Free Trial 10 hidden fees that could be costing you thousands Clark.com - HOME INTERNET 4 Things To Know Before You Buy a Digital TV Antenna Live TV Streaming Channel Tool Best Online Banks: Free Checking and High-Interest Savings Accounts Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How much can you save at Costco vs traditional supermarkets? You may be surprised! Clark also has an important warning issued by the USPS concerning how you mail cards and packages. Clark shares tips for more secure mailing & bill pay - and tells you the one thing you should NEVER carry with you because if it’s stolen, YOU could end up in jail.  Clark’s TV Grocery Study: Segment 1 Ask Clark: Segment 2 Holiday Postal Alert: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CNET-Costco Shoppers: Here's How Much You Actually Save Compared to a Grocery Store 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul The Best International Phone Plans Actual Cash Value vs. Replacement Cost Value Coverage Lifehacker: Avoid Using Blue Mailboxes During the Holidays, USPS Warns Do Not Give Your Social Security Number at These Places Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Survey says: The slowest fast food lines belong to the most popular fast food place. And a serious innovation for workers at one of these restaurants is a big success. Also - Job mobility in the modern era has created the problem of stranded 401(k)s getting cashed out. If you’ve got one or more old 401(k) accounts, a new financial portability service can help consolidate your retirement funds.  Fast-Food Report: Segment 1 Ask Clark: Segment 2 401(K) Transfers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much Should You Have Saved for Retirement by Now? 7 Best Ways to Save for Retirement in Your 50s 401(k) Companies Make It Easier for Retirement Savings to Follow You to Your Next Job What Is a SEP IRA and Who Is Eligible? Should I Get Pet Insurance? / Should You Buy Pet Insurance? - Consumer Reports 13 ways to save money on pet costs Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New warnings if you have a leased car or are trying to buy a vehicle. Dealers are getting desperate, and some are using dirty tactics you need to know about. Also, it’s go time for holiday shopping and Clark has several excellent tips for how to save while shopping online this holiday season, plus shipping and store pick-up advice.  Vehicle Purchases & Lease Buyouts: Segment 1 Ask Clark: Segment 2 Clark Smart Online Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Car dealers accused of price-gouging customers who exercise option to buy leased vehicles Tight car inventory can lead to phantom stock, ghost vehicles Employee Stock Ownership Plan (ESOP): What It Is, How It Works, Advantages How To Get the Best Price Possible Shopping Online Why Retailers Are Charging Return Fees and How to Avoid Them How To Prevent, Report and Repair Identity Theft Liability vs. Full Coverage: Which Auto Insurance Do You Need? Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark shares another reason to change your grocery shopping habits if you haven’t yet. Learn just how you’re being played if you are extremely brand name loyal. Clark Stinks: Segments 1 & 2 Big Brand Price Hikes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Save Money on Car Insurance Should I Buy an Extended Warranty on Tires? TireBuyer: 5 Things To Know Before Getting New Tires What Is an HSA Account and How Does It Work? Vanguard Integrates Health and Wealth With HSA Offering HealthEquity - INDUSTRY'S #1 HSA ADMINISTRATOR Hyundais, Kias are easy targets amid boom in vehicle thefts Hearing Aids Will Soon Be Sold Over The Counter The best deals at Amazon right now - Clark Deals What Is a SIMPLE IRA and How Does It Work? What Is a Solo 401(k) and How Does It Work? Self employed 401K vs SEP - Investing - Clark Howard Community How To Manage Your Monthly Subscriptions To Save Money SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

FTX Crypto has gone bust, and there are lots of questions about where millions in client money has gone. Clark explains what has happened with FTX and other crypto exchanges and what’s next. Learn Clark’s NEVER NEVER rule for crypto. Another rip off - Scams against people age 60 and over are up 40% in the last 2 years. And that’s only what’s reported. The scams add up to $Billions stolen, and criminals work overtime during the holidays. What to look out for to protect yourself and loved ones.  The FTX Collapse: Segment 1 Ask Clark: Segment 2 Scam Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: FTX Customers Wonder If They’ll Ever See Their Money Again - The Wall Street Journal. Tom Brady. Stephen Curry. Shaq. See the Celebrities With Ties to FTX. - The Wall Street Journal. The FTX collapse is a harsh lesson in hype advertising Binance pledges to create crypto industry recovery fund, calls for regulation Fidelity Investments Review 2022: Pros & Cons 401(k) Match: What Is It, How It Works Scam Report: FTC Says Older Adults Targeted How To Watch NFL RedZone Without Cable in 2022 Welcome to Clark’s Christmas Kids 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Get Clark’s take on where mortgage rates are heading, plus great news about how lenders will determine your creditworthiness for a mortgage in the future. Also - The way future energy is discussed needs to be broader, based in the marketplace. A major natural gas company is integrating solar into the mix. How cool is that? Clark knows! Mortgage Rate Outlook: Segment 1 Ask Clark: Segment 2 The Future of Energy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgages Sold to Fannie, Freddie Should Use More Than FICO Scores, Regulator Says - The Wall Street Journal. Cheaper Netflix Is Here: 5 Things To Know Why Are My Credit Scores Different? Williams to add solar to natural gas facilities in nine states Best 529 College Savings Plans By State What Is Long-Term Care Insurance Cost & Coverage Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The importance of choosing a financial adviser wisely can not be emphasized enough, and Clark has even more proof. Learn what to avoid, and when & how to hire a real financial planner. Also, the ongoing labor shortage is leading to adaptive innovations by American companies. Clark discusses manufacturing and automation as businesses adjust to labor force conditions - and what these changes will look like for consumers. Financial Advisers: Segment 1 Ask Clark: Segment 2 Labor Shortage Adaptations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Choice of Financial Adviser Can Dramatically Affect Retirement Savings What Is a Fiduciary Financial Advisor and Do I Need One? Will the Real Financial Planners Please Stand Up? Clark.com - STREAMING TV Meet the Army of Robots Coming to Fill In for Scarce Workers - The Wall Street Journal. How to Deal With Medical Debt Turo: 5 Things To Know About the Cheap Car Rental Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Keeping track of passwords and frequently having to change them is a part time job. But passwords may soon be a thing of the past. Now the industry believes they’ve come up with a more secure answer. Also, the auto insurance industry is all in to telematics tracking. For those with privacy concerns and lower than average miles driven, there’s a growing startup offering a viable alternative.  Beyond Passwords: Segment 1 Ask Clark: Segment 2 Per Mile Auto Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Death to passwords: Beta passkey support comes to Chrome and Android How to handle money when you're traveling overseas Best Credit Cards With No Foreign Transaction Fees in 2022 Is Now a Good Time To Put Money in a CD? Why This Is the Best Time To Buy Series I Savings Bonds Atlanta startup Mile Auto raises more money to grow despite potential recession, CEO says Should I Let an Insurance Company Track My Driving Habits in Exchange for Lower Insurance Costs? 4 Things To Know Before You Buy Glasses From Costco Optical Is Costco Worth It? 8 Items That Could Pay for Your Membership Best Home Printers of 2022 - Consumer Reports Where To Buy the Best Cheap Printer Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, over the past couple of years, population shifts have led some cities to offer pay incentives for people to move there. Clark has an update on these locales, incentives, and how these programs are working out.  Clark Stinks: Segments 1 & 2 Getting Paid To Move: Segment 3 Ask Clark: Segment 4 Mentioned on the show: FSA and HSA: Can You Have Both at the Same Time? Why I Think Medicare Advantage Plans Stink - Clark Howard Big Changes Coming to Credit Reports This Summer When Should You Get an Accountant To Do Your Taxes? New IRS Online Security Process: Is It Safe? Automatic Bill Pay: How It Works and How To Do It Safely How To Save Money on Utilities These 20 cities will pay you to move there. Here's how it's working Best Investment Companies for Investors in 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares poll results on the question, “What would you tell your younger self if you could?” We received some great and very wise responses. And later - how people are handling this inflationary holiday includes cutting back & keeping it simple, and/or taking advantage of how the overhang of excessive inventory has created deals in many categories. Gift to Self: NOT overspending.  Audience Poll Results Yield Money Wisdom: Segment 1 Ask Clark: Segment 2 A Very Inflationary Christmas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Poll Results - What do you wish your younger self knew? Buy Nothing Clark's take: Why everyone should have a dash cam 10 Ways To Save on Prescription Drugs 4 ways U.S. shoppers plan to defeat inflation this holiday season - and you can too Amazon Sees Slowing Sales for the Holiday Season. Here’s What That Means for Shoppers Clark Deals - TVs The #1 Thing You Need To Do Before You Buy a Used Chromebook BBB-File a Complaint A Simple Trick To Paying Off Your Credit Card Faster Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

Due to inflation, there are big changes in the tax brackets. Clark discusses how this affects investing and buying some types of life insurance. Also, add new seasonal job openings to the ongoing labor shortages and know there’s great side gig opportunity out there to close any gaps in your monthly budget. But, beware the “freeway ramp scam” and its online permutations offering big money for hourly work. Make sure your side hustle is real. New Tax Rates & Brackets: Segment 1 Ask Clark: Segment 2 Second Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Here Are the New IRS Tax Brackets for 2023 WSJ: Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 7% What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Straight Talk Wireless Introduces Prepaid Home Internet Verizon Home Internet: Things To Know Before You Sign Up Should I Keep My Old Car or Buy a New Car? Should You Invest in a Rental Home? Here's Clark's 1% Rule Is Amazon Prime Worth It for You? Take This Quiz To Find Out! ABetterRoutePlanner.com   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The 401(k) contribution limit has been increased for 2023, but this headline buries the lead: New rules for Roth IRA income and contribution limits. And - Clark-onomics:  The U.S. deficit. Clark explains how we got here since the budget surpluses of the 90’s and what we can learn from recent events in the UK. New Roth IRA & 401(k) Limits: Segment 1 Ask Clark: Segment 2 Clarkonomics: The Deficit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces Record 401(k) Contribution Limit Increase for 2023 How To Open a Roth IRA Best 529 College Savings Plans By State Economy, Borrowing Costs to Add Upward Pressure on Federal Deficit 4 Ways To Stop Junk Mail How Many Credit Cards Should I Have? 7 of the Best High-Yield Online Savings Accounts in 2022 Banks Are Offering 4.5% CDs—Just Not to Regular Customers Frequently Asked Questions • Max. your best interest. Clark Deals 2022 Sweepstakes Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses changes from Netflix, the overall morphing of streaming services across providers and how to protect your wallet with the changes underway. Also, time for year end tax considerations. Those with non-retirement investment accounts should know about tax loss harvesting to save on taxes. When you sell a winner, you pay capital gains tax. You can also harvest losses. Clark explains.  Netflix & Streaming Update: Segment 1 Ask Clark: Segment 2 Tax Loss Harvesting: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Netflix to Charge $6.99 a Month for New Ad-Supported Tier - The Wall Street Journal. [The Washington Post] Netflix is poised to crack down on account sharing. What happens now? You Hated Your Cable Package. Your Streaming Services Are Bringing It Back. - The WSJ Clark.com - Streaming TV The Michigan State Numismatic Society 6 of the Best Budgeting Apps in 2022 Best Way to Exit Your Timeshare: Never Buy One in the First Place How Tax-Loss Harvesting Works for Average Investors Year-End Financial Checklist: Prepare Now, and You’ll Have Time to Adjust 10 Year-End Strategies To Cut Your Tax Bill The worst insurance in the world Why You Don't Need Mortgage Life Insurance - Investopedia Why you have to check your bank statements daily The Best Places To Buy Tires Do you think Tire Tread Life Warranties are a come on & just marketing? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! For the first time ever - for the entire podcast - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Clark Stinks: Segments 1 - 4 Mentioned on the show: Citi® Double Cash Card – 18 month BT offer Review: Earn Up to 2% Cash Back on All Purchases Consider US Treasury Bills, Notes and Bonds Study: Walk 3,800 to 9,800 steps daily to reduce dementia risk Zelle fraud is rising. And banks aren't coming to the rescue xeriscaping | National Geographic Society The easy way to pay off your credit card debt in a quarter of the time 6 Steps To Eliminate Credit Card Debt in 3 Years or Less How to Reduce Your Taxes and AGI by Giving to Charity NALA – The leading paralegal association National Federation of Paralegal Associations: Home Insurance | Tesla How To Open a Roth IRA   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The car market is gradually healing but we’re not there yet. Clark gives a timeline on availability, affordability, and a potential alternative to buying now if you need wheels right away. And - Back To Basics - Open Enrollment decisions are upon us.  Clark clears confusion surrounding Health Savings Accounts or HSAs which can offer long term financial security -  and the difference between an HSA and an FSA.  Vehicle Purchase Alternative: Segment 1 Ask Clark: Segment 2 HSA vs. FSA: Segment 3 Ask Clark: Segment 4 Mentioned on the show: SIXT+  Your Car Subscription Barrons.com: Car Inventories Are Growing. Don’t Expect Any Discount—Yet. Should You Buy an Extended Warranty on Your Car? HSA Contribution Limits and Other Requirements for 2022 and 2023 Clark.com: What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? Wills & Funerals Archives - Clark Howard Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Current customer outrage at Dunkin’ for devaluing rewards offers a lesson about these programs in general, including travel points from hotels and airlines. Clark discusses how this game is played and what participating consumers should understand about so called loyalty programs. Also, Clark has been talking about affordable hearing aids being just around the corner for 5 years. FINALLY they’re here - hearing aids at world prices vs cartel prices! Learn how the market now works and what’s available Loyalty Rewards Devalued: Segment 1 Ask Clark: Segment 2 Now In Range-Affordable Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: You’re Going to Have to Work Harder for Your Airline Status - The Wall Street Journal. Best Travel Credit Cards: Top Rewards Picks for 2022 Chase Sapphire Reserve® Review: Is It Worth the Hefty Annual Fee? Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card: Which Travel Card Is Best For You? Will Hawaii No Longer Accept Out-of-State Driver’s Licenses? | Snopes.com Automatic Bill Pay: How It Works and How To Do It Safely The Washington Post: How to buy a hearing aid online or in a store Clark.com Hearing Aids Aspiration Spend & Save: Do Good While Maximizing Your Savings Interest Rate What Is Disability Insurance and How Does It Work? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hear Clark’s unique perspective on the proposed Kroger-Albertsons merger, as he takes a wider view of the marketplace and your money saving strategies and options. Also, because of Russia's invasion of Ukraine, the cost of heating will go up about 25% this winter depending on temperature severity. Clark offers specific advice, particularly if you live in the Mid-Atlantic or New England.  Supermarket Strategy: Segment 1 Ask Clark: Segment 2 Winter Heating: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Kroger to Buy Albertsons in $24.6 Billion Deal That Would Create New Grocery Giant Should You Invest in a Rental Home? Here's Clark's 1% Rule Best 529 College Savings Plans By State How To Open a Roth IRA WSJ.com: Higher Heating Bills Poised to Hit U.S. Households This Winter 7 Easy Ways To Lower Your Heating Bill 10 Ways To Keep Warm Without Spending Any Money 3 Things To Consider Before You Get Solar Panels   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

First an update on the recommendation to buy short term treasuries, including an easy button idea for doing so. And, Clark welcomes special guest, Professor James Choi from Yale University - the behavioral economist behind some striking research around when you should start saving money. He and Clark share ideas on conventional financial advice vs what people actually do - and the gray areas in between.  U.S. Treasuries- Update: Segment 1 Ask Clark: Segment 2 Professor Choi- Behavioral Economist: Segments 3 & 4 Mentioned on the show: Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account If you’re with a discount broker, you can buy their own US Treasury Money Market Fund Google Voice for Business How To Dispute an Error on Your Credit Report and Win Free Flood Check® & How To Avoid Flooded Cars Watch Out for Flood-Damaged Cars from Hurricane Ian What Is an HSA Account and How Does It Work? An economist studied popular finance tips. Some might be leading you astray   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - CLARKONOMICS: The 60/40 Rule. The general rule of having 60% of an investment portfolio in stocks and 40% in bonds has proven ineffective twice in history - during the 1920’s - and 100 years later - now. Clark explains why and offers best practices for investors.  Clark Stinks: Segments 1 & 2 CLARKONOMICS: The 60/40 Rule: Segment 3 Ask Clark: Segment 4   Mentioned on the show: 20 Ways To Save on Amazon Is Costco Worth It? 8 Items That Could Pay for Your Membership The Markets Face a Rare Double Decline 8 Facts You Must Know About Bear Markets 22 Ways To Save Money on Groceries 8 Things To Know Before Your First Trip to Aldi National Credit Union Administration Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Open enrollment for health insurance is upon us. Clark clarifies options available, including Health Savings Accounts - to help you make important health coverage decisions. Also, battered by disruption, the car market continues to struggle. Clark discusses where the industry is right now and moving forward, including when you should buy (not now) and what to do if you MUST buy now. Open Enrollment: Segment 1 Ask Clark: Segment 2 Vehicle Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is that health insurance, a health product, or a scam? WSJ - Tax Secrets of Health Savings Accounts What Is an HSA Account and How Does It Work? Is getting life insurance through your employer good enough? Life Insurance Archives - Clark Howard How To Buy Term Life Insurance in 7 Easy Steps What Is Disability Insurance and How Does It Work? Medi-Share & other health care sharing ministries: What you need to know before signing up Used cars have become unaffordable Clark Howard's Simple Rule for Refinancing an Auto Loan Are You Following Clark's Maximum Auto Loan Length Rule? Subrogation Definition - Investopedia Clark's take: Why everyone should have a dash cam Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Job scams work both ways. The pandemic move to online recruitment has led to some pitfalls for both job seekers and employers. What to know about fake jobs and fake applicants - and a Clark smart key rule for landing a real job. Also, do you know what your colleagues earn doing the same work as you? The movement toward pay transparency has begun.  Fake Jobs - Fake Applicants!: Segment 1 Ask Clark: Segment 2 Pay Transparency: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rise of 'bait-and-switch' job interviews That's not a real job opening: Some companies are posting 'ghost jobs' How To Prevent, Report and Repair Identity Theft How To Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma vs. Credit Sesame: Is One Better Than the Other? Should I Get an Umbrella Insurance Policy? Personal Umbrella - Insurance - Clark Howard Community Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit reports are used by creditors, employers, insurance companies, and more - and many are inaccurate. Learn how this can hurt you and what you can do about it! Also, buy now pay later aka pay in 4 - has infested the U.S. economy on all fronts and delinquencies are on the rise. Clark explains how this works and the hazard for your wallet.   Vigilance: Your Credit Report: Segment 1 Ask Clark: Segment 2 Buy Now, Pay & Pay & Pay Later: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Investopedia: Credit Reporting Complaints Have Doubled Since 2018 How To Dispute an Error on Your Credit Report and Win Should You Pay for Credit Monitoring? Betterment Review: How It Works, Pros & Cons - BETTERMENT Cash Reserve Over 60% of Americans regret an impulse buy—how social media makes it hard to resist How To Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma vs. Credit Sesame: Is One Better Than the Other? Elliott Advocacy /  Clark’s Consumer Action Center Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Storms, fire, flood or other sudden misfortune could separate you from access to vital accounts and documents. Get Clark smart guidelines to help keep you and loved ones operational - just in case.  Also, we’ve had several questions and comments from parents trying to teach their children about money. Clark shares just how important that is - and how to approach the subject effectively for kids and teens.  Preparing for the What-Ifs: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Steps To Strengthen Your Financial Emergency Preparedness Now -A checklist of what to do – and pack – when a hurricane’s coming How To Open a Roth IRA A Roth IRA for a Kid? Yes, You Can Turn Babysitting Money Into a Retirement Windfall. A Simple Trick To Paying Off Your Credit Card Faster Bumper - Investing for Teens  Fidelity Bloom℠ - Financial App Bloom - Stock Investing App for Teens Investopedia Education   /   Money 101 | 5 simple money rules to last a lifetime 5 money skills all parents should teach their teenager Credit Karma Review: Free Credit Score and More at Your Fingertips How To Build Credit Best Secured Credit Cards: Top Picks for Building or Repairing Credit Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, holiday travel season approaches and if you haven’t flown in a while, Clark has some news you could use.  Clark Stinks: Segments 1 & 2 Holiday Air Travel: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 15 of the Best Free Workout Apps Medicaid and Nursing Homes: A Quick Guide to the Rules Want to block third-party trackers on your Android device? Try DuckDuckGo's new feature [The Washington Post] Are airlines getting more strict about carry-ons? [The Washington Post] It’s not your imagination: Planes are dirtier Should You Ever Buy Travel Medical Insurance? InsureMyTrip Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re seeing the horrific devastation of recent hurricanes, knowing they won’t be the last. But there are new ways of building that can help keep power on when catastrophic weather hits. Where this is being done, and what’s needed for the future. Also, Americans are going for the real thing, as artificial meat sales go down. Why the novelty of meat substitutes has worn off.  A Rethink On Rebuilding: Segment 1 Ask Clark: Segment 2 Beyond Meat Substitutes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This 100% solar community endured Hurricane Ian with no loss of power and minimal damage 5 Things to Know Before You Buy Flood Insurance Should I Buy a Used Car, New Car or Lease Right Now? 5 Steps To Getting a Good Deal on a Hotel Room Rocket Money Review: 4 Things To Know Before Signing Up Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

While holiday sales abound, including from online retailers, shipping is getting more expensive. Fedex is having serious issues that may affect holiday deliveries - and all carriers are dealing with disruptions. Get Clark’s best advice for holiday shipping. Also, Clark explains the “pig butchering” scam technique via messaging apps. When you respond, you open the door to a slow con. This is happening to people from all walks of life. Learn how it plays. Holiday Shipping Advice: Segment 1 Ask Clark: Segment 2 The Pig Butchering Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know Best Cash Back Credit Cards: Top Picks for 2022 USAJobs.gov What’s a Pig Butchering Scam? Here’s How to Avoid Falling Victim to One. The #1 Thing You Need To Do Before You Buy a Used Chromebook What Is a Bear Market? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A special session of Clarkonomics on home buying. The home market has been through periods of distortion this entire century. Clark gives historical perspective explaining how we got here, the current climate for home buyers and sellers, and where the housing market is headed. Also, there are some new ways to save on grocery delivery without breaking the bank. As the pandemic subsides, retailers continue to adapt. Clark conveys some innovative new delivery offerings from Kroger and Sams Club.  Clarkonomics: The Housing Market: Segment 1 Ask Clark: Segment 2 New Delivery Options: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Think mortgage rates are high now? Homebuyers in the 1980s were paying 19% 12 things your homeowners insurance probably doesn't cover Dangers of putting monthly bills on automatic debit Should I Get an Umbrella Insurance Policy? New Report: The #1 Appliance Brand for Customer Satisfaction Which Home Security Systems Rank Better Than Ring? The Best Time and Place To Buy a Mattress Costco and mattressess - Clark Howard Community Best Mattress Buying Guide - Consumer Reports Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

EV’s are in great demand right now, but today buying an electric vehicle doesn’t make financial sense. Clark discusses the industry outlook and your alternatives, until the time is right to buy an EV. Also, DEBT - the price you pay is more than financial. The stress of debt takes a toll on health. Clark talks about the different types of debt and approaches to getting it under control.  Electric Vehicle Outlook: Segment 1 Ask Clark: Segment 2 Debt and Mental Health: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Can You Actually Ditch Your Car for an E-Bike? Maybe - The Wall Street Journal. 5 Ways to Create a Cheap Home Gym What Is a Fiduciary Financial Advisor and Do I Need One? Best Investment Companies for Investors in 2022 Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You? Betterment Review: How It Works, Pros & Cons Wealthfront Review: How It Works, Pros & Cons How To Open a Roth IRA Clark.com Ditch Your Debt Facebook group   6 Things To Know Before Contacting the National Foundation for Credit Counseling What Is Long-Term Care Insurance Cost & Coverage Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses several factors behind rapidly rising auto insurance premiums and how you can make a difference in what you pay.   Clark Stinks: Segments 1 & 2 Rising Auto Insurance Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Places To Buy Eyeglasses How To Improve Your Credit Score by 100 Points in 30 Days How To Get a Free Credit Report Top Dental Schools That Provide Cheap or Free Dental Work THE WSJ: Four Ways to Save Money on Car Insurance as Rates Rise How to Shop for Car Insurance Clark.com - AUTO INSURANCE Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Once upon a time, people were considered adults and on their own by age 18. Today, that’s not the norm. Parents often keep “emerging adults” on their cell phone & streaming plans, health & auto insurance and subscriptions - due in part to family plan tie-ins. Thoughts on when and how to cut the cord. Also, what you should know about health apps and medical searches, and your most personal privacy.  The Parental Dole: Segment 1 Ask Clark: Segment 2 Health Apps & Sites And Your Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 ways to make your kids money-savvy for the future [The Washington Post] Health apps share your concerns with advertisers. HIPAA can’t stop it. DuckDuckGo — Privacy, simplified. Brave Browser: Secure, Fast & Private Web Browser How Many Bank Accounts Should You Have? - Clark Howard The Best Places To Buy Tires Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Fidelity has refined their Robo-Advisor service. The new Fidelity-GO is really different. Clark explains the offerings, fees and your opportunity here. Also, Frontier Airlines recently had a zero dollar sale - but there’s a reason you didn’t see it on Clark Deals. This is a problem the Federal government is addressing with a new proposal to require full price disclosure. The game today involves bait & switch. Consumers deserve better - and there may be a comment period….  The New Fidelity GO: Segment 1 Ask Clark: Segment 2 Airfare Price Disclosure: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Will Merge Its Robo-Advisor Offerings Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? White House: New rule will show 'true cost' of plane tickets Follow Clark Howard's #1 Rule To Travel Cheap Best Travel Credit Cards: Top Rewards Picks for 2022 Why You Need To Use Your Travel Points Right Now Best Cash Back Credit Cards: Top Picks for 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The ships have come in and retailers have too much merchandise - over supply. Meanwhile due to inflation, demand has lessened = SALES. Clark points to holiday shopping deals, as this year, October is the new November. Bonus - Walmart’s new return policy. Also - Clarkonomics returns. Clark sets the table on how The U.S. and world economies got to where we are now and explains the moves that are coming to get inflation under control.  October Holiday Sales: Segment 1 Ask Clark: Segment 2 Clarkonomics - Economic Overview: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Introducing Amazon’s Prime Early Access Sale—A New Holiday Shopping Event for Members to Save Big October 11 and October 12 Score Discounts on Apple AirPods Pro, iPads, and the Apple Watch 8 at Amazon Before the Prime Early Access Sale Best Online Banks: Free Checking and High-Interest Savings Accounts Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account Best Cell Phone Plans in 2022: The Cheapest Plan for Every Need Visible Review: 5 Things To Know Before You Sign Up NYTimes.com: Bad News From the Fed? We’ve Been Here Before. What Is a C.L.U.E Report and Its Impact on Your Insurance Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Clark Deals 2022 Sweepstakes Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You may have noticed how difficult it is to find a company phone number. Turns out, that is by design. For business, Clark discusses real ways to build customer loyalty. And if you’re with a company that only rewards new customers, ignoring your loyalty, play their game to protect your wallet. Also, Clark discusses the financial pressures on the cost of energy this winter in the U.S., as part of the world wide energy market, focusing on what we CAN control. Learn what you can expect to pay and what you can do to mitigate it.  Customer-No-Service: Segment 1 Ask Clark: Segment 2 Winter Heating Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: GetHuman: Call Companies and Fix Customer Service Issues Faster 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Electric Bills Soar Across the Country as Winter Looms - The Wall Street Journal. 7 Easy Ways To Lower Your Heating Bill How To Save Money on Utilities Credit Union vs. Bank: What's the Difference? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we all know walking is great for physical health, but it may also help ward off something we all fear - dementia. What is known about how much walking is great for your cognitive health. Clark Stinks: Segments 1 & 2 Walking for Mental Health: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Disability Insurance and How Does It Work? Emergency Fund Complete Guide: How Much & Where 4 Things To Know Before You Buy Glasses From Costco Optical The Best Places To Buy Eyeglasses Subscribe & Save | Save on Everyday Essentials - Amazon.com Apply for Public Service Loan Forgiveness (PSLF) New Report: States With the Highest and Lowest Used Car Price Increases What You Need To Do With Your Gift Cards Right Now How To Spot and Avoid Gift Card Scams   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In spite of inflation, there are deals to be had. Amazon is in major overstock mode right now - offering a separate site for discounts, and a section for deals on open box returns - Clark explains. Also, there are those among us who, despite not making a lot of money, are able to save significant amounts. Clark shares how the goal of Financial Independence is achieved.  Amazon Cuts Deals: Segment 1 Ask Clark: Segment 2 Secrets of Super Savers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Warehouse: Where Amazon Prime Returns Become Your Next Online Bargains Simplified Employee Pension (SEP) Definition - Investopedia What Is a SEP IRA and Who Is Eligible? What Is Direct Primary Care? A Patient's Guide to DPC - GoodRx How To Plan a Trip: Clark's Best Travel Tips To Save Money Travel Insurance? What You Need To Know Before You Buy A Simple Way To Help Your Kid Build Credit T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up How To Find the Best Deal on Cheap Internet Service in 4 Steps   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Labor shortages are everywhere, but one sector particularly hurting affects us all - the government. Governments all over the country are short of workers, especially at state and local levels in varied capacities. Some of these jobs may come with the rare pension. You may be part of the solution. Clark paid his way through undergraduate school working for HUD - a good steady job. Also, credit card interest rates are the highest in decades. Long term credit card debt puts you in indentured servitude to the banks. Clark has a back to basics way to get it under control.   Your Government Needs YOU: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does Anyone Want a Government Job? Anyone?   USA Federal Jobs Food prices are still soaring — here's what's getting more expensive Hearing Aids Will Soon Be Sold Over The Counter Costco Hearing Aids: 5 Things To Know Before You Buy The Best Smart Water-Leak Detector - The New York Times Have you joined Clark's 'Ditch Your Debt' Facebook group yet? NYTimes: Wegmans Discontinues Self-Checkout App, Citing Losses 5 Ways to Save Money on Gas at Kroger Clark Howard's Important Advice on Funeral Planning Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The clock is ticking on the best inflation investment. Series I Savings Bonds are about to go through a reset in November. Clark explains rates and holding terms. Act now to make inflation work for you. Also, when the free market speaks, industries must respond to survive. Automaker Ford has new rules for anticompetitive dealerships - great news for car buyers.   Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 Ford’s new dealership rules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Barrons.com: Buy I Bonds Now at 9.6%. A New Rate Comes in November. 5 Things To Know About Series I Savings Bonds Best Renters Insurance Companies and Ones To Avoid Should You Buy an Extended Warranty on Your Car? 5 Things to Know About Renting an RV on Outdoorsy RV Rentals - Direct from Local Owners | #1 RV Rental Site Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A completely illegal practice is going on by nursing homes and their collectors. Under federal law - The Nursing Home Reform Act - it’s illegal to go after family members for nursing home debt. What to do if you’re contacted for this type of collection. Meanwhile, bad investment advice is being peddled to young would-be investors on TikTok and other social media channels. There are 225 professional designations people are using to pitch commission based financial advice! That’s why you must know the basics, know the pay-for-play dubious pitch when you hear it, and know how to find a legitimate, fiduciary financial advisor. Illegal Nursing Home Collections: Segment 1 Ask Clark: Segment 2 Ethics In Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Regulators try to stop unlawful nursing home debt collection The 1987 Nursing Home Reform Act - AARP 4 Things To Know About Hulu's Live TV Streaming Service Clark.com - Streaming TV Rule of 78 Definition - Investopedia Simple Interest Definition: Who Benefits, With Formula and Example Why Investing And Insurance Shouldn't Mix (Despite What TikTok Says) Will the Real Financial Planners Please Stand Up? What Is a Fiduciary Financial Advisor and Do I Need One? Best Investment Companies for Investors in 2022 Trust Pilot - Worthy Here Are 100+ Brands That Are Made in the USA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Airbnb is a great concept - subject to problematic execution. Learn what potential problems await both guests and hosts and how to prepare.  Clark Stinks: Segments 1 & 2 Airbnb: Opportunity & Hazard: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Invest With a Bank What Is a Fiduciary Financial Advisor and Do I Need One? 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2022 8 Things To Know Before Your First Trip to Aldi Resort Pass Best Free Password Managers: 7 Top Picks Netflix on Us: We Offer this Streaming Deal with Your Plan Charity Navigator - How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Consumers are often told they must use authorized service dealers to maintain a warranty. Not so. What you need to know about parts and repairs. Also, T-Mobile and Apple are utilizing advances in satellite technology to expand communication world-wide, initially facilitating emergency alerts. Clark explains this new safety net, and where this tech is headed.  The Truth About Warranties: Segment 1 Ask Clark: Segment 2 Cell Phone + Satellite Technology: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Will You Void a Car Warranty by Not Having Your Car Serviced at the Dealership? How to Freeze Your Child's Credit WSJ.com: Apple’s iPhone Satellite Service Kicks Off Smartphone Space Race Apple & T-Mobile offer stranded people satellite connections If You Are Buying an iPhone 14, Some Ways to Save on Your Wireless Bill - WSJ From iPhone 14 to Apple Watch 8: Everything Apple Revealed at 'Far Out' How to decide if medical tourism is a viable option for you Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You? Fidelity Investments Review 2022: Pros & Cons What To Do With a Lump Sum, Inheritance or Windfall Best Cell Phone Plans in 2022: The Cheapest Plan for Every Need Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The average American is spending around $15 more a day - all things being equal vs. a year ago. Clark updates the economic lay of the land including housing, gasoline, service businesses and jobs - in global context as we endure inflation rotation. Also, if you’re considering moving, there are new considerations that are absolutely vital now. Homeowners insurance has become a complete wildcard. Clark has MUST DO advice before you buy in an area new to you. Inflation Update: Segment 1 Ask Clark: Segment 2 DON’T MOVE Without Knowing This: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Ways To Get Your Free Credit Score Report: The Most Reliable Car Brands NYTimes.com: As Wildfires Grow, Millions of Homes Are Being Built in Harm’s Way These maps show how climate change affects your city in real time—and what will happen in the future Insurance Archives - Clark Howard   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many failed to file taxes in 2019 and/or 2020. Well the IRS will forgive those penalties, IF you can hit a fast approaching deadline. Already paid the penalty? More good news. Clark explains. Also, big players like Amazon and CVS are getting into the healthcare industry. But Walmart Health Centers offer unique services and savings to more people.  IRS Cuts Late Filers A Break: Segment 1 Ask Clark: Segment 2 SAVE on Healthcare: Segment 3 Ask Clark: Segment 4   Mentioned on the show: There’s an Important IRS Deadline Coming This Month NYTimes: I.R.S. to Refund Late-Filing Penalties for 2019 and 2020 Returns 5 Things To Know About Series I Savings Bonds Uninsured Motorist Coverage (UM) Definition - Investopedia NYTimes.com: CVS Makes $8 Billion Bet on the Return of the House Call Axios: CVS beats out Amazon for Signify Health Walmart Health Center price list How To Open a Roth IRA The Best Places To Buy Eyeglasses Mint Mobile Review: 5 Things To Know Before You Sign Up Vanguard, Fidelity, Schwab - Investing - Clark Howard Community FREE ADVICE: Clark’s Consumer Action Center (CAC)   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a right way to use standing desks, and to deal with a traditional sitting desk job - to improve your health. Clark explains. Also - Inflation and supply shortages have made buying used much more popular. Clark shares the secondhand market’s best categories, and a new offering from Walmart - to help you save more.   Sit-Stand Desks: Segment 1 Ask Clark: Segment 2 Explore the Resale Market: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Your Biggest Questions About Standing Desks, Answered Walmart Restored helps customers find affordable refurbished items What Is Disability Insurance and How Does It Work? Best 529 College Savings Plans By State The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report 401(k) Match: What Is It, How It Works Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Clark shares some valuable resources for those considering trade school and apprenticeship programs towards a new solid career path.  Clark Stinks: Segments 1 & 2 Trade School & Apprenticeship Resources: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cancel for Any Reason - Travel Insurance Benefit - InsureMyTrip 4 Things To Know Before You Buy Renters Insurance How Do I Check Tire Air Inflation Pressure? Men Make 48% More Than Women in the Gig Economy, Study Finds - Bloomberg Registered Apprenticeship Program - LeanHowToBecome.org Google Workspace Pricing How to Buy Individual Dental Insurance Price Hike: Sam's Club Is Raising Membership Fees Soon Welcome to the Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re here to help you avoid rip-offs and scams. Pretext, aka imposter & impersonation scams comprise the top rip-offs and they come in many forms. Be in the know so you don’t get taken. Also, credit card interest rates haven’t been this high since the 1990s - while the banks are pushing offers to get you hooked. Solicitations are as sky high as interest rates. They want to own you!  Impersonation Scams: Segment 1 Ask Clark: Segment 2 The Credit Card Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Find out what scams are happening in your area Real Money, Fake Musicians: Inside a Million-Dollar Instagram Verification Scheme 5 Best Ways To Send Money Online The Best Places To Sell Your Cell Phone MaxBack: 5 Things To Know Before Selling Your Phone Backflip: 5 Things To Know Before Selling Your Phone BuyBackWorld: 5 Things To Know Before Selling Your Phone ecoATM: 5 Things To Know Before You Sell Your Phone Swappa: 5 Things To Know Before Selling Your Phone Gazelle: 5 Things To Know Before Selling Your Phone Amazon’s Subscribe & Save program might actually cost you more money How To Manage Your Monthly Subscriptions To Save Money How To Open a Roth IRA Fidelity Investments Review 2022: Pros & Cons Best Investment Companies for Investors in 2022 How to stay smart about Android app permissions How To Save $1,000 in 15 Weeks Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transformational shifts are underway in how we buy and own homes.. There’s a home improvement boom in progress around the country, but timing is everything. Get Clark smart about when to renovate and how to choose a contractor. And - Now hear this! The average price of hearing aids in the U.S. is around $2700, compared to $200 in the rest of the world. The long awaited end of this pricing cartel will bring both opportunity and some pitfalls over the next few weeks. Home Renovation: Segment 1 Ask Clark: Segment 2 The Arrival of OTC Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Tips for Hiring a Contractor Leaving an apartment? Here's how to avoid those move-out charges Hearing Aids Will Soon Be Sold Over The Counter Follow these 5 steps to prevent a hotel bed bug attack Major Tax-Reporting Change for Users of Venmo, PayPal and Others Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The airline industry has been a mess, stretched thin by labor shortages as the travel industry rebounds. Thanks to DOT and public pressure, for the first time in 40 years passengers have a clear guide to their rights when flights are canceled or delayed. Clark walks you through the new DOT - Airline Customer Service Dashboard and what YOU need to do when grounded. Also, a worker warning: Why you need to be cautious when an employer offers you any kind of internal training. DOT Airline Dashboard: Segment 1 Ask Clark: Segment 2 Training Repayment Agreements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What America’s 10 Largest Airlines Offer if Your Flight Is Canceled or Delayed Google Flights File a Consumer Complaint - Department of Transportation Air Travel Complaints | US Department of Transportation Online travel itinerary and trip planner - TripIt Lemonade Insurance Review: How It Works, Coverage Options Best Renters Insurance Companies and Ones To Avoid Clark's National Travel Deals Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Rents have increased dramatically in a short period of time, the biggest rise since the aftermath of WWII. Clark explains how we got here today and the idea of rent control, plus, some good news on the rental front. Also - Is renting out your car on a peer-to-peer platform to make extra money a good idea? Clark breaks down the pros and cons.  The Rental Housing Outlook: Segment 1 Ask Clark: Segment 2 Peer-To-Peer Car Rental: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AAA Membership: Is It Worth It? Costco Travel: 5 Things To Know Before You Book How To Use 'Vacations To Go' To Find Bargain Cruises Travel Insurance? What You Need To Know Before You Buy CNET - How to Make Extra Money by Renting Out Your Car Online Peer-to-peer car sharing: A potentially risky side gig Turo: 5 Things To Know About the Cheap Car Rental Service AutoSlash Review: How To Save on a Rental Car Cheapest Way to Rent a Car: Expert Tips No Surprises Act - CMS Your health insurance says, ‘Claim denied.’ How to fight back Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Clark.com - CELL PHONES Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Recent stock market volatility has many worried about their retirement. In the short term, markets go through downturns - as they should. Clark addresses these concerns based on the long term play and your proximity to retirement.  Clark Stinks: Segments 1 & 2 Market Fears-Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The $10 Travel Essential Clark Howard Always Packs Fidelity Investments Review 2022: Pros & Cons How To Save and Invest the Clark Howard Way 5 Biggest Financial Risks in Retirement Investing & Retirement Archives - Clark Howard How to book travel on Priceline Clark's Secret to Finding the Best Priceline and Hotwire Hotel Deals   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

School is in session and many teens worry about having enough extracurriculars on their activities resume. But there's another very important route for students that should be top of mind. Also, learn why people are rediscovering gyms now and some guidelines for selecting the right gym for you.  For Students: A Key Extracurricular: Segment 1 Ask Clark: Segment 2 Selecting A GYM: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds USHIP - Shippers, meet Carriers, Carriers, Meet Shippers How To Dispute an Error on Your Credit Report and Win Submit a complaint | Consumer Financial Protection Bureau CNET - How to Get a Gym Membership for Practically Free 5 Ways to Create a Cheap Home Gym Debt Archives - Clark Howard 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Why You Might Be Paying Your Credit Card Bills All Wrong Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares a personal story concerning something every parent worries about - their teenager having a car accident. Also - with mortgage rates rising, there‘s an old tried & true strategy many Americans are unaware of - that could save big bucks on interest: the assumable, non-escalating mortgage.  Teen Drivers & Accident Ethics: Segment 1 Ask Clark: Segment 2 Mortgage Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Want a Lower Mortgage Rate? Take Someone Else’s Loan Clark's take: Why everyone should have a dash cam Is a Home Warranty Worth the Money? How can you find the best mortgage rates? 22 Places That Offer Discounts to U.S. Veterans Save More on Green Home Improvements Under the Inflation Reduction Act The cash incentives in the climate bill are only good if people actually use them Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Retailers have been fighting from behind since March 2020. Suddenly supply chains are moving and stores have goods aplenty. In a time of inflation - we have never seen before deals in many categories this September. Clark calls out the buys for early holiday shopping. Also, Federal student loan forgiveness - what eligible student and parent borrowers need to know about how the program will work - and how the scams play.  Christmas in September: Segment 1 Ask Clark: Segment 2 Student Loan Forgiveness: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Vanguard Account Fees Will Increase Costs for Some of Its Most Loyal Customers Fidelity Investments Review 2022: Pros & Cons Warning: Never Get Roadside Assistance From Your Insurance Provider Password manager LastPass reports breach, says no credentials stolen Explainer: How Biden's student loan forgiveness will impact U.S. consumers Student Loan Forgiveness Plan Won’t Make Inflation Worse—Even If It Adds $400 Billion To Deficit, Goldman Says Did you hear about the student loan announcements? Scammers did, too How To Watch Football Without Cable: Stream NFL and College Football (2022) Term Life vs. Whole Life Insurance: Understanding the Difference EvaluateLifeInsurance.org Term Life vs. Whole Life Insurance: Understanding the Difference What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this year Clark recommends extra early holiday travel planning AND early shopping and shipping. Know when to expect shipping hikes and the bargain months for online shopping & delivery.  Clark Stinks: Segments 1 & 2 Holiday Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: USPS says it's hiking prices for holiday shipping - CBS News What Is a Reverse Mortgage and How Does It Work? TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? Pirate Ship: Free USPS and UPS shipping software AAA Membership: Is It Worth 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

After a chaotic summer, the outlook for fall travel looks better on every front. September is your cue to start planning holiday travel this year. Get Clark smart advice on how & when to book, avoiding the 4 most expensive travel days, and whether you need travel insurance. Also, Labor Day signals a good time to update job market trends. Clark discusses “unlimited vacation” & taking time off, as well as great part-time opportunities for retirees - and an employee tactic that is NOT recommended.  Holiday Travel: Segment 1 Ask Clark: Segment 2 Job Trends: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Book Holiday Travel Now What Is Travel Insurance? 7 Things You Need To Know How Many Credit Cards Should I Have? Clark Howard: Books - Clark Howard YouTube: Clark Howard: Save More, Spend Less How to Start Saving and Investing with Clark's Best Advice ClarkDeals - Laptops 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

Text message scams keep coming and keep morphing. Know what the latest barrage looks like - deploying new ways to hook you into getting ripped off. Also, high mortgage rates can be avoided when conditions are right for a family member to make the loan. Learn how to lend to loved ones without the tax consequences. New Text Message Scams: Segment 1 Ask Clark: Segment 2 Family Loans & Taxes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Click on Random Text Messages Don’t click on that random text. It’s a scam Managed Payout Funds vs. Annuities: How Do They Compare? Best Rewards Credit Cards: Top Picks for 2022 The One Place You Can Still Get a 3% Home Loan: Your Family Frequently Asked Questions on Gift Taxes Applicable Federal Rates - Internal Revenue Service 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

People are being hoodwinked by paid influencers on social media. Clark shares how this often works with podcasting, unbeknownst to you, the listener. Also, Amazon Prime has a new option for payment that gets Clark’s seal of approval - part of a trend of added perks for retail memberships.  Undisclosed: Podcast Influencers: Segment 1 Ask Clark: Segment 2 Amazon Prime Layaway: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best time and place to buy appliances A Simple Way To Help Your Kid Build Credit Amazon Layaway: A New Perk of Amazon Prime Amazon -Get Same-Day Delivery from your favorite retail stores Walmart deal with Paramount gives members streaming perks How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving money on streaming TV is an area of expertise at Clark.com. Clark has industry news explaining the current streaming landscape AND a new FREE Channel tool! You may be shocked to find out what free TV is available where you live. Also - Thinking of selling your home? The housing market has definitely slowed past the peak of the market. So it’s back to the normal playbook - the Clark smart way. Streaming And Free TV: Segment 1 Ask Clark: Segment 2 Home Seller Adaptation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Housing markets are cooling so fast that they've caught some of the biggest buyers off guard These 2 Things Can Maximize Your Chances of Selling Your House Home Sellers Cut Prices as Housing Market Cools - The Wall Street Journal. How Many TV Channels Can You Actually Get for Free? Disney+ is getting more expensive... unless you want ads The Free TV Project Clark.com Live TV Streaming Channel Tool Netflix on Us: We Offer this Streaming Deal with Your Plan Mint Mobile Review: 5 Things To Know Before You Sign Up Mint Mobile Introduces Modern Family Plans   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, overlooked and extremely important, including for college students, is renter’s insurance. Clark tells you how to get it for a DEAL. Plus, important advice on condo insurance. Clark Stinks: Segments 1 & 2 Renters Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Career Tests Our Top 10 | Monster.com Swagbucks Review: How Much Money Can You Make? Heat Pump Systems | Department of Energy Lemonade Insurance Review: How It Works, Coverage Options Best Credit Cards for Students: Top Picks for 2022 ABLE accounts: A tax-free way for parents of disabled kids to save for the future   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The big banks persist in paying no real interest on savings. Meanwhile Clark just got 3.3% on a CD from his credit union. Several money market & online savings accounts are paying over 2%. Don’t let inertia be your enemy. Move that money. Also - what destroyed Sprint is a big lesson for companies tracking and ranking their employees. Workers should know - across industries and with the rise of remote work, comes increased use by companies of the “productivity score”.  Savings Rates: Segment 1 Ask Clark: Segment 2 Worker Productivity Scores: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Schwab Purchased Money Funds 5 Things To Know About Series I Savings Bonds 7 of the Best High-Yield Online Savings Accounts in 2022 Equifax Sent Lenders Inaccurate Credit Scores on Millions of Consumers - Wall Street Journal. Who owns your credit score? Not you Credit Karma Review: Free Credit Score and More at Your Fingertips Fidelity Investments Review 2022: Pros & Cons How to Start Investing and Saving for Retirement 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

Market forces have increased supermarket costs by 13% over the past year, while restaurant price increases have gone up roughly half that. Clark shares how it can actually be more cost effective to eat out at times. Also, there’s been public backlash against airlines shrinking seat size and now there’s an FAA comment period as to whether they should regulate how much space passengers get. Clark weighs in, factoring in designer safety & comfort innovations. Food Inflation-Supermarkets vs. Restaurants: Segment 1 Ask Clark: Segment 2 Airline Seat Size & Innovation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: Southwest and Other Airlines Try Something New: Giving Passengers What They Want When Do You Need a Travel Agent? Here's How Easy DIY Pest Control Can Be Pest control Archives - Clark Howard 7 of the Best Free and Cheap Resume Builders Longevity Insurance: What Is It and Do You Need It? How To Minimize the Damage of Unpaid Bills to Your Credit Score 12 Things You Never Knew You Could Get From Your Local Library 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

Reported this year - tragic loss of life due to hotel carbon monoxide poisoning. Clark has a new safety device every traveler should consider. Plus a way to avoid a massive home insurance claim. And - Find out the “mandatory option” that has sent the automotive press into outrage at GM. 2 Important Alert Devices: Segment 1 Ask Clark: Segment 2 GM Outrage: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Wirecutter: Water Leaks Destroy Homes. These Smart Gadgets Can Save Yours. How To Pack a Carry-On the Right Way More Airlines Are Losing Luggage. AirTags and Tile Trackers Can Help. The Best Places To Buy Eyeglasses 4 Things To Know Before You Buy Glasses From Costco Optical Should You Buy Out Your Leased Car? 3 Things To Consider Before You Get Solar Panels Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New meds are the most expensive ever. 8 of 13 new drugs cost over $200K per year! Clark explains how the big pharma game is played, generic vs “defensive” combo drugs & shares his workarounds for saving. Also - what we pay for cell service can make a big difference in our finances and today there are many ways to reduce cost without compromising service. Clark has great news for your wallet from 2 different cell phone brands - Verizon’s Visible and Boost Mobile. Rx Savings Strategy: Segment 1 Ask Clark: Segment 2 2 Cell Plan Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Things To Know About Costco Pharmacy -  Prescription Drugs Mark Cuban pharmacy Cost Plus Drugs - CNBC -  Cost Plus Drugs Best Free Password Managers: 7 Top Picks How to Pass on Your Passwords When You Die - The Wall Street Journal. Visible Review: 5 Things To Know Before You Sign Up Visible Wireless: Price Drop and New Premium Plan Visible Unlimited Phone Plans | No Annual Contract Boost Mobile Introduces New $25 Monthly Unlimited Plan -BOOST - Unlimited Data $25/mo. Best Cell Phone Plans in 2022: Deals for Every Budget Get the Best Value Apple Watch Plan from Visible - $5/mo T-Mobile Connected tablets, smartwatches, hotspots, and device data plans 5 Things To Know Before You Buy a Refurbished Phone What Is a SEP IRA and Who Is Eligible? Fidelity Investments Review 2022: Pros & Cons   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Many are choosing artificial turf for their lawns. The practice is booming worldwide due in part to extreme drought conditions. Clark gives you the pros & cons. Clark Stinks: Segments 1 & 2 Artificial Lawns: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Invest & Retire Why You Should Never Use a Debit Card To Pay for Anything How to handle money when you're traveling overseas Best Vacuum Sealers From Consumer Reports' Tests Everybody Into the Hotel Pool! That’ll Be $200. - The Wall Street Journal. “DAMAGE WAIVER FEE” AT HYATT HOTEL INVITES DAMAGE… How to Buy a Used Car in 7 Steps How to Deal With Medical Debt 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

Inflation has made us smarter about shopping. People are changing their buying habits. Learn how much you can save buying store brands. Also, find out the average retirement age for the typical American worker - and why this terrifies Clark. Inflation Defense: Segment 1 Ask Clark: Segment 2 Your Retirement Age: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Youth Account How To Open a Roth IRA The #1 Bill You Should Make Sure You Get by Mail The Average Retirement Age in America A Retiree Answers 11 Common Retirement Questions 5 Best Ways To Send Money Online Wise, Formerly TransferWise: Online Money Transfers Clark Rage: Deactivate Zelle Today 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

As claims become more expensive, home and auto insurance premiums are rising. Learn how forward thinking insurers are looking to reduce the number of claims in partnership with consumers - an approach more common with business insurers. Clark shares steps you can take now to lower your costs. Also - For more than 2 generations the middle class in America has been evaporating. But there are signs of recovery. Clark describes various skilled trade categories offering great opportunity now, as labor shortages have driven up pay levels. Hear Clark’s approach to securing a rewarding career.  Insurance Costs: Segment 1 Ask Clark: Segment 2 Rebuilding The Middle Class: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Rethinking insurance: how prevention is better than a claim How Many Credit Cards Should I Have? How To Open a Roth IRA Who’s Wearing $420 Men’s Socks? Baffled, We Seek Answers Factory jobs are making a surprising comeback — and they could help revitalize America's shrinking middle class How Much Should You Have Saved for Retirement by Now? 5 Discount Airlines You Need To Know About Right Now Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The formation of new businesses is way up. Clark is a lifelong entrepreneur. America has the resources and our greatest wealth is within us. There are actually many conditions now favorable to entrepreneurship. Learn the best & worst states in the U.S. to start a business. AND - Military personnel in a war zone face danger everywhere they turn. Outside their stateside posts, they face financial landmines from rip off lenders, crooked car dealers, investment groups, and merchants (furniture, jewelry) through exploitive financing. They get ripped off like nobody else anywhere. Clark is enlisting your help to get the word out to protect our service members from financial predators.  Entrepreneurs: Segment 1 Ask Clark: Segment 2 WARNING: Military Ripoffs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This list of ‘top states for business in the U.S’ may surprise you What Is an HSA Account and How Does It Work? LIVELY HSA - Health Savings Account | HSA Benefits - Fidelity Investments Military and Veterans Guide: Free resources for getting your finances in order Home | The Thrift Savings Plan (TSP) What's up with travel clubs promising free travel? Timeshares, Vacation Clubs, and Related Scams Equitable to Pay $50M for Misleading Teachers on Annuity Fees What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bloomberg reports women working as skilled freelancers / independent contractors make half as much as men doing the same job. “The meek do not inherit a larger paycheck.” How to self advocate for fair pay. Also - America on the move: We’ve become so much more transient since COVID. Ever dreamed of moving to another town, city, or country to save money? There are numerous communities offering financial incentives to move there. Beyond that, many are moving to Europe. Before you relocate, get Clark’s one key piece of advice.  Gig Economy Pay: Segment 1 Ask Clark: Segment 2 Relocation Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA What Is a SEP IRA and Who Is Eligible? Becoming a Landlord: How To Find a Good Tenant How To Find a Good Moving Company - MOVING.org - UShip.com BBB-File a Complaint Most Medical Debt Is Being Wiped Off Credit Reports - The Wall Street Journal. 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

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - An uptick in crime has more people thinking about home burglar alarms. Wireless home security has made DIY installation a viable option and Clark shares a new Consumer Reports briefing to help you make the right home security decision. Clark Stinks: Segments 1 & 2 Home Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Official Tablo OTA DVR Site | Over The Air (OTA) DVR | Tablo Amazon Fire TV Recast DVR Norse Atlantic Airways Virtual Credit Cards: An Online Security Measure Worth Taking? Wyze  /  Best DIY Home Security Systems of 2022 Here’s the most important thing you can do to avoid becoming a tax fraud victim Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the rationale behind Amazon’s forays into healthcare, now culminating in the acquisition of One Medical, a big national chain of healthcare clinics. The idea is to bring a multi-platform approach to better care, better follow up. Also - Recall the Hertz false arrest nightmare suffered by hundreds now seeking compensation. Clark has a follow up.  Amazon Healthcare: Segment 1 Ask Clark: Segment 2 Hertz Follow Up: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Thing You Need To Do Before You Buy a Used Chromebook How To Bring an Old Laptop Back to Life for Free Price-Matching Policies at Walmart, Target and Other Top Stores Why You Need To Check Your Cell Phone Bill Every Month 4 Things To Know Before You Buy a Digital TV Antenna Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The quality of the average vehicle sold in the U.S. in recent years is the lowest since 1986! Clark explains what has led to this problem and why therein lies opportunity. Also - ships coming in have created massive surpluses among retailers. The plus for you: deals of a lifetime. Learn which categories are steals right now and how long this could go on. Inflationary pressures in many sectors of the economy are starting to ease. WANTED: Mechanics: Segment 1 Ask Clark: Segment 2 Oversupply Bargains: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cars Archives - Clark Howard Clark Deals How To Improve Your Credit Score by 100 Points in 30 Days 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

Clark revisits retail website Wish to usher it into his “graveyard.” Prices are so cheap! What went wrong? Also, EV - electric vehicle adoption is set to climb over the next few years. But where to recharge is an obstacle for car buyers. Learn how forward-thinking gas station/convenience store operators are getting with the program to serve a growing EV market.  Website WISH: Unfulfilled: Segment 1 Ask Clark: Segment 2 Progress - EV Charging Stations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card What Is a Roth 401(k) and How Does It Work? ClarkDeals - Costco The Best Car-Buying Services in 2022 Visible Review: 5 Things To Know Before You Sign Up Clark.com - Cell Phones What Is an ETF? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The hotel industry is suffering mightily from staff shortages, changing how they operate. You could get a discount forgoing housekeeping services, or be charged for it. Clark explains the owner / operator problem and what you should expect from brand name hotels moving forward. Also, the insidious cloak of mystery is about to be lifted from medical costs. 20% of our nation’s economy is eaten up by healthcare costs - by far the highest in the world. You’re on the hook for deductibles and copays. But information is power. Learn where we are now with non-emergency healthcare price disclosures. Hotel Staffing Shortages: Segment 1 Ask Clark: Segment 2 Healthcare Cost Disclosures: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Places to Get the Best Deals on Lab-Created Diamonds How much health insurers pay for almost everything is about to go public When does a 0% purchase plan make sense for you? How to Stock Up in Case of an Emergency 31 Items To Pack in Your Financial Emergency Kit How Much Cash Should You Keep at Home in Case of Emergency? How to Find the Best Deal on Cheap Internet Service Report: The #1 Internet Provider in America Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Word to savers - beware chasing that rate! Trying to make more on savings is leading people to make dangerous choices from financial apps and pseudo banks making unfounded promises of no risk strategies for high returns & FDIC security. What you need to know to safely stash your cash.    Clark Stinks: Segments 1 & 2 Stash Your Cash Wisely: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Online Banking Archives - Clark Howard T-Mobile Money: 5 Things To Know Buy Nothing Project Life Insurance Archives - Clark Howard Consumer Cellular Review: 5 Things To Know Before You Sign Up Mullen: Shaping the Road Ahead in Electric Automobiles Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans What Is a 403(b) and How Does It Work? Fidelity Investments Review 2022: Pros & Cons Best 529 College Savings Plans By State How To Open a Roth IRA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Labor shortages in larger airports have rendered security lines so unpredictable that people are missing flights. Clark explains how TSA PreCheck, Global Entry & Clear work, and how to get these services for free or discounted. Also - Clark discusses fake positive reviews and the recent Amazon crackdown. A new twist: Negative reviews used to extort merchants. Understand how much the review system is gamed for retailers, restaurants & hotels, and how to best use reviews.  TSA PreCheck, Global Entry & Clear: Segment 1 Ask Clark: Segment 2 Online Review Extortion: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Credit Cards That Pay for TSA PreCheck and Global Entry Capital One Venture Rewards Credit Card: Travel Credit Card Review Best Travel Credit Cards: Top Rewards Picks for 2022 The Best Credit Cards With No Foreign Transaction Fees How To Bring an Old Laptop Back to Life for Free What the Carriers Are Doing About SIM Card Fraud & How to Stop It Upside Review: 6 Things To Know Before You Sign Up Fetch Rewards: 5 Things You Need To Know To Get Free Gift Cards 3 Things To Consider Before You Get Solar Panels 6 Things To Know Before Contacting the National Foundation for Credit Counseling   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know when you’re being played by sneaky product placement? Products are placed within the content of streamed TV shows and movies, and social media influencers are paid to recommend products. Know this is bought and paid for advertising - an indirect form of commercials. Also - A special warning about moving your retirement money when changing jobs. If you plan on rolling over a 401(k) into an IRA, knowing what Clark has to say about it can save you tens of thousands of dollars over time.  Ad Awareness: Segment 1 Ask Clark: Segment 2 Retirement Rollover Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Reverse Mortgage and How Does It Work? Clark's take on reverse mortgages How Can a Safe Driving App Save You Money? - USAA Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You? Best Investment Companies for Investors in 2022 CNBC: IRA rollovers often come with higher investment fees, Pew finds: Here’s how much money that costs retirement savers. Clark.com 401(k) Rollover: How To Roll Over a 401(k) How to Freeze Your Credit With Experian, Equifax and TransUnion Why Clark Howard Thinks Medicare Advantage Plans Stink   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With so much economic uncertainty, should you ask for a raise to offset inflation? Dilemma: Employers are getting nervous about potential recession. So the decision to ask for a raise, to stay put or find a higher paying job is an individual assessment. Clark offers guidance to help you think this through. Also - As the Fed raises interest rates, there’s a direct effect 1 billing cycle later on your credit card rates. People have been charging more, leading to balances they can’t pay. A Clark assignment & some recommendations can help with credit card debt.  Employment Dilemma: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Thing Clark Howard Hates About Solar Panels Clark.com - Credit Card Debt Budgeting & Saving Archives - Clark Howard How to Budget With a Cash Envelope System REAL ID | Homeland Security   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

As the housing market cools, price cuts are happening around the country. A widespread buyers strike has set in. Many fear a housing market collapse as experienced 15 years ago. Clark explains why that won’t happen, and has recommendations for potential home buyers and renters. Also, a special warning about using self-checkout lanes. HOUSING Update: Segment 1 Ask Clark: Segment 2 Special Warning: Self Check-out: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Mortgage Recast Definition - Investopedia 8 Things To Know Before Your First Trip to Aldi The Points Guy - Maximize your travel. These New Apps Can Help Maximize Credit Card Rewards Best Travel Credit Cards: Top Rewards 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - The average vehicle loan now is over $700 a month. 1 in 8 loans exceed $1K! Meanwhile the repo rate is rising. Why lenders are more aggressive with repossessions now and the negative domino effect. Clark’s recommendation for avoiding financial car loan disaster.  Clark Stinks: Segments 1 & 2 Of Car Loans & Repos: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Roth 401(k) and How Does It Work? Apple Credit Card Review: Earn Cash Back on Tech Purchases Mint Mobile Review: 5 Things To Know Before You Sign Up Family Phone Plans for 2+ Lines - Mint Modern Family Plan Warning: Never Get Roadside Assistance From Your Insurance Provider 5 Things To Know About Series I Savings Bonds Uni - One Toll Pass. 19 States.   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s unclear what will happen with gas prices moving forward, but prices have eased and the U.S. is leading the world in the production of energy. Clark explains the current energy market, why we see big price differences at the pumps, and saving strategies. Also - The odds are at least 50/50 we’ll have some degree of recession, as central banks worldwide work to slow economies to ease global inflation. Because capitalists hate uncertainty, some large companies have announced reduced hiring - but that’s a far cry from layoffs. Clark conveys 4  job sectors resilient against recession.  Gas Prices: Segment 1 Ask Clark: Segment 2 Recession-proof Job Sectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These Credit Cards Offer Car Rental Insurance Benefits RentalCars.com The 4 most 'recession-proof' industries to work in, according to economists How To Open a Roth IRA How to Start Investing and Saving for Retirement Fidelity Investments Review 2022: Pros & Cons Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how Vanguard small investors got clobbered by big tax bills during a target retirement fund conversion, without even withdrawing money. Learn where to put your investments to avoid such tax hits. Also - Air travel is a flat out mess right now. Infrequent travelers are especially rattled. International travel is especially challenging. It’s taking extra days to reach destinations. As a constant traveler, Clark has several strategies to help protect your sanity during domestic & international flights and cruises. Tax Smart Investing: Segment 1 Ask Clark: Segment 2 Strategies to Avoid Air Travel Nightmares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Open a Roth IRA How to Start Investing and Saving for Retirement SpaceX and Dish’s Super-Shady War for the World  Travel Archives - Clark Howard Eager to take advantage of the cheap euro? Check out which countries have COVID travel requirements first Europe is on sale. Why the dollar-euro exchange rate is a win for Americans The Best Credit Cards With No Foreign Transaction Fees Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s back to the gym for many after a long absence, but home fitness equipment is a super deal right now. Clark points to the savings. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free.  Home Fitness Equipment: Segment 1 Ask Clark: Segment 2 Missing Money: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Gym Equipment Get Great Deals on Concerts, Pandora Music & More | T-Mobile How To Find and Claim Missing Money in Your Name What Is a Fiduciary Financial Advisor and Do I Need One? Frequently Asked Questions on Gift Taxes Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The economy has upended the best laid retirement plans of many Americans. So what do you do right now if you are in this situation? Clark discusses a reasonable compromise to help maintain financial security. Also - Every grocery dollar is basically buying 10% less these days - UNLESS you shop differently. Clark shares his base strategies, plus - looks at a cash back app that can help you save.  Delaying Retirement: Segment 1 Ask Clark: Segment 2 SAVE on Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? What Are Index Funds? 5 Things To Know About Series I Savings Bonds Major Tax-Reporting Change for Users of Venmo, PayPal and Others 8 Things To Know Before Your First Trip to Aldi Ibotta Review: 4 Things To Know Before Earning Cash Back SuperCook - Zero Waste Recipe Generator Ask Clark: Should I Convert a Traditional IRA to a Roth IRA? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. AND - For those seeking hedge alternatives to the standard investment portfolio, Clark discusses REITs, Crypto, and specifically GOLD as a safe zone. Learn Clark’s recommendations for owning gold - how much - and if gold is even a real investment.  Clark Stinks: Segments 1 & 2 Owning Gold: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases Best Cash Back Credit Cards: Top Picks for 2022 What Is Disability Insurance and How Does It Work? Chrome OS Flex Is There a Safe Way To Invest in Real Estate? What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash 7 Gold ETFs With Low Costs Clark Howard’s Advice on Buying Gold 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the impact of vehicle shortages & elevated costs including illegal repossessions & how to protect yourself from this, plus new ride sharing offerings. Also - Good Intentions don’t lead to results. Autopilot does. Clark makes the case for automatic saving & investing, especially for those without a 401(k).  Vehicle Cost Pressures - Market Effects: Segment 1 Ask Clark: Segment 2 Automatic For The SAVINGS: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CarMax Review: 5 Things To Know Before You Buy or Sell Carvana Review: 5 Things To Know Before You Buy or Sell Vroom Review: 5 Things To Know Before You Buy or Sell Luggage Hero - Luggage Storage Near You Checking monthly statements key defense against credit card hacks How To Open a Roth IRA What Are Index Funds? What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New data illustrates how people are now stretched financially, trading down retail purchases while overall, credit card debt is up. Clark shares some back to basics measures for more mindful spending. Also, current dislocations have opened up a fast growing area of abuse in the trade and technical school funding arena. What to look for - and look out for - when considering training alternatives to college. Inflation Shoppers: Segment 1 Ask Clark: Segment 2 Training Contract Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy a Used Car, New Car or Lease Right Now? Mint Review: 5 Things To Know About the Free Budgeting Tool How to handle money when you're traveling overseas The Best Credit Cards With No Foreign Transaction Fees Don’t Get Dinged at the Gas Pump by New Visa and Mastercard Policies Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With Buy Now Pay Later, aka Pay in 4, refunds are a problem, and now Apple Pay offers it. Clark’s warning about this payment method and how to protect yourself. Also - Over 100 million Americans are burdened with medical debt. Learn how this happened, how the hospital monopoly game is played - and what your options are to avoid being crushed by medical debt.  Pay In 4 - New Warnings: Segment 1 Ask Clark: Segment 2 Avoid Medical Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Can You Use a Credit Card on Venmo? 7 Things To Know About the Venmo Credit Card Best 529 College Savings Plans By State What's the Best Setting for Your Thermostat During the Summer? 7 Easy Ways To Lower Your Heating Bill Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Labor shortages. reliability problems and high costs are plaguing travel this summer. But the cruise industry is seeing lower demand. Clark explains how you can get screaming deals on cruises and on certain air travel destinations. Also, over 20 million tax returns remain unprocessed. A beleaguered IRS and frustrated taxpayers - Clark recounts how we got in this awful mess and makes the case for a simplified tax code.  Travel Deals: Segment 1 Ask Clark: Segment 2 IRS Delays: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Report: The 8 Best Cruise Lines for the Money How To Use 'Vacations To Go' To Find Bargain Cruises 6 Steps To Getting the Best Car Rental Deal AutoSlash Review: How to Save on a Rental Car Follow Clark Howard's #1 Rule To Travel Cheap Tello Mobile Review: 5 Things To Know Before You Sign Up Tello: Build Your Own Plan Takata recall grows by 3 million more faulty airbag inflators How To Save and Invest the Clark Howard Way Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And - Many are trying to decide between renting or buying a home. It’s a true squeezeplay right now but new data sheds light on what might be the best decision. Plus, Clark provides the housing market outlook. Clark Stinks: Segments 1 & 2 HOUSING Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com CELL PHONES SoFi Credit Card Review: Earn 2% Cash Back Platinum Card® from American Express Review 2022: Is It Worth It? 6 Steps To Getting the Best Car Rental Deal 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

Add auto insurance increases to higher vehicle & gas prices. Collision rates and the cost of repairs are up too, factors creating a perfect storm of costs for auto insurers, in turn passed along to drivers. Hear 2 ways to lower your auto insurance premiums. Also this episode: Employers thought they’d order everyone back to office work last September. That flew out on the Delta variant. There are pros & cons to Work From Home but for most remote workers, the advantages win out. Management had best be flexible. The landscape has changed - permanently.  Shop Auto Insurance: Segment 1 Ask Clark: Segment 2 WFH: A Generational Shift: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Car Insurance Archives - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips 5 Sneaky Ways To Improve Your Credit Score Investing & Retirement 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

Clark shares how he got started and the life lessons that motivated and inspired him to do  what he loves doing today - empowering others to live their best lives. Also - you may be throwing money away with your current cell phone provider. Verizon & AT&T have been raising rates while the cost of providing service is going down. Clark gives you the lay of the land, pointing to MINT Mobile & other affordable options, and new offerings ahead. Assignment: Check your plan and choose to SAVE.  Clark BIO: Segment 1 Ask Clark: Segment 2 Cheaper Cell Phone Plans: Segment 3 Ask Clark: Segment 4   Mentioned on the show: About Clark Howard Mint Mobile Introduces Modern Family Plans Best Cell Phone Plans - Mint Mobile Review - Visible Review Vanguard Review 2022: Pros & Cons Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There are ethical debt collectors, but also dirty players in the industry. Clark explains the crooked practice of refreshing the debt, and what your rights and responsibilities are. Also, no utility bills sound good? ‘Passive’ homes are ultra energy efficient, and there are initiatives that go a step beyond. People are building passive, self-powered homes with solar & batteries off the grid. We have options today, including home power from EVs. Decentralizing how we get power is great for the nation as well.  DEBT: Statute of Limitations: Segment 1 Ask Clark: Segment 2 ENERGY: Off The Grid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Statutes of Limitations on Debt Collection by State What Is a Good Credit Score? Should I Pay Off My Mortgage Before I Retire? About Clark Howard How To Build Credit The Kredit Syndicate (Tradelines, Credit Repair & Education) - NOT Recommended ChexSystems - 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

The US construction industry has held on to archaic ways of building, failing to adapt better technology routinely used elsewhere in the world - until now. Clark discusses how prefabrication component building is better, faster & cheaper. Now is the time to reimagine how we build to improve durability and price points. Also, for the past decade, traditional life & annuity insurers have been selling off their policies to Wall St. The risk profiles are then held by private-equity. This creates new levels of uncertainty for consumers. If you get notification of this from your insurer, should you be worried? Clark has some new recommendations. Home Building Innovation: Segment 1 Ask Clark: Segment 2 Life Insurance & Private-Equity: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Frequently Asked Questions on Gift Taxes Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans Explore Google Earth. Google Maps’ new ‘Immersive View’ combines Street View with satellites Life Insurance Archives - Clark Howard Policyholder Information - NOLHGA.com Indexed Universal Life Insurance (IUL) - Investopedia - NOT recommended What Is an Annuity, and Why Does Clark Think They Stink? What to Do if You Find an Old Stock Certificate Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark talked about the changing landscape for workers yesterday. Today, for employers - the topic is creating loyalty in a workforce. Retaining motivated employees is a big problem for companies. Clark discusses how giving employees a stake in the game makes profitable sense, and ways businesses can accomplish that.   Clark Stinks: Segments 1 & 2 Enlightened Employers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces Modern Family Plans Employee-Owned Publix Offers a Lesson for Other Supermarket Chains What Are Good Resources for Starting or Growing a Small Business? - SCORE.org ARRIVED - empowering the world to build wealth through modern real estate investing. Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark talks with Charis of Clark Deals about how Amazon Prime Days 22 should measure up, the kinds of deals you can expect and competitive deals from other retailers. Also this episode, after 10 years of pathetic earnings on savings, the good side of rising rates is catching up. Clark compares big bank to online bank savings rates right now, lets you know the best saving strategies & the safest places to put your savings to work.  DEALS: Amazon Prime Days: Segment 1 Ask Clark: Segment 2 Max SAVINGS Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Today's Best Deals of the Day 7 Things To Know About Amazon Prime Day Amazon Prime Day Dates Are Official, 48 Hours of 'Lowest Prices Ever' Start July 12 Generark HomePower One review - SFGATE Best High-Yield Online Savings Accounts in 2022 5 Things To Know About Series I Savings Bonds Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account Best Cash Back Credit Cards: Top Picks for 2022 TSP Woes Continue Two Weeks After Tech Transition Thrift Savings Plan NFL Ticket Information 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

Needed changes in education are overdue and on the way. Clark characterizes post high school ed and how economic forces unleashed by Covid are changing the equation for the better. The rise of the education consumer means relevance and connection to career will be key. Also, Clark lists the many factors contributing to the inflation testing us all - and puts it in historical perspective. This cycle has caused economic dislocations creating discounts. Learn where the deals are, and - in the price surging sectors, ways people are cutting back to offset inflation, including gas & grocery strategies. Higher Education Transformation: Segment 1 Ask Clark: Segment 2 INFLATION: Perspective & Adjustments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Uni - One Toll Pass. 19 States. CELL PHONES - Clark.com 7 Things That Are Actually a Great Deal Right Now 10 Best Restaurant Apps for Fast Food Deals Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Shipping has gotten really expensive. There are now aggregators, many free to join offering special rates for shipping under their codes. Clark talks about saving on shipping for individuals and for small businesses. Also, high gas prices have upped the profile of electric vehicles. Clark gives guidance on when to buy, EV types, the dealer - manufacturer relationship, and the sweet spots for affordability in the EV market now and in the future.  SAVE on Shipping: Segment 1 Ask Clark: Segment 2 Affordable EVs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPS Digital Access Program Rates | Pirate Ship 401(k) Match: What Is It, How It Works Life Insurance Archives - Clark Howard Best Term Life Insurance Companies, Plans & Coverage Turn off the debit function of your debit card What's the Best Setting for Your Thermostat During the Summer? 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

Overall, crypto has lost about 70% of its value. Many crypto lending organizations have gone insolvent. Digital money is a sound concept. It can eventually help eliminate the bank gouge of moving money. But as an investment? Learn why that’s gambling and Clark’s rule for moving forward. Also, the housing market has been brutal for home buyers on many levels. But the narrative is changing. Clark’s analysis includes signs the market is normalizing - and advice for buyers on today’s higher interest rates, and home values moving forward.   Crypto Crash: Segment 1 Ask Clark: Segment 2 Housing Market Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash How To Open a Roth IRA Mortgages Archives - Clark Howard What is caller ID spoofing and how do I protect myself from it? 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, high school, trade school and college grads have unprecedented job opportunity right now - even amid current concerns of looming recession.  Clark Stinks: Segments 1 & 2 Grad Jobs Aplenty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Use a Debit Card To Pay for Anything How to Freeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? 7 Ways To Maximize Credit Card Rewards in 2022 ClarkDeals 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

Puppy fraud was a constant during the pandemic and continues unabated. Google is going after these scamsters, but their efforts are a drop in the bucket. This scam has worked since the days of classified print ads. Now it’s moved worldwide using fake pictures, akin to vacation rental & car scams. What you can’t see, verify. Scammers also exploit job seekers online. Those 25 to 34 - digital natives - are most likely to trust a job listing. How the scam plays, and what to know to avoid job listing scam identity theft.  Perpetual Sight Unseen Scams: Segment 1 Ask Clark: Segment 2 Job Listing Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy a Used Car in 7 Steps How To Spot, Avoid, and Report Fake Check Scams Turo: 5 Things To Know About the Cheap Car Rental Service How to Freeze Your Credit With Experian, Equifax and TransUnion What Is Owner's Title Insurance? 3 Things To Know Should I Pay a Company To Lock Down My House Title or Is It a Scam?   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The inflation of 40 years ago was significantly worse than now. Clark describes the unusual distortions in today’s market, resulting in heavy discounts in some categories. Also, there’s one sector of real estate that’s discounted now - office space IF you know which type. For business owners in need of office space, hear how to take advantage of this unique opportunity.  Discount Categories: Segment 1 Ask Clark: Segment 2 Office Space Opportunity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds The Washington Post: Demand for inflation-linked savings bonds crashes TreasuryDirect website The Mail Preference Service - Consumer Assistance [The Washington Post] A NHTSA official spent years trying to cut road deaths. They jumped last year. EyeBuyDirect: Glasses The Best Places To Buy Eyeglasses Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s officially summer today. Get Clark smart strategies for saving money on car rentals, and learn how those under age 25 can avoid huge fees. Also, homeowners face more challenges finding quality, affordable insurance as natural disasters and the cost to rebuild impact rates all over the country. Homeowners need to face and manage risk today. Clark offers guidelines including new mapping revealing wildfire risk, and the new Federal Flood Insurance program phasing in. SAVE on Car Rentals: Segment 1 Ask Clark: Segment 2 Risk Assessment & Homeowners Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Steps To Getting the Best Car Rental Deal 5 Things to Know About the Costco Car Rental Program The Points Guy: Hertz waives young-driver fees for new graduates — here’s how to enroll Car Rental: Deals and Discounts | USAA The Major Differences Between Economy, Premium Economy, and Economy Plus — and What's Right for You How to handle money when you're traveling overseas The Best Credit Cards With No Foreign Transaction Fees These maps show how wildfires are changing in the U.S.—and the risk at your address 10 million US buildings face a 'major' to 'extreme' risk of wildfire. See how your home stacks up and why ownership will get more expensive. Flood Insurance | FEMA.gov Legit Online Surveys for Money: What I Earned   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Economist reports that many are making a fresh start by becoming entrepreneurs. Clark describes how the climate is favorable for starting a business in so many ways. Also, there are those that have worked out a way to live on cruise ships as a retirement strategy to save on living expenses. Clark explains how this works.  Starting Your Own Business: Segment 1 Ask Clark: Segment 2 Cruise Ship Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  2022’s Best Large Cities to Start a Business What Is a Solo 401(k) and How Does It Work? What Is an Annuity, and Why Does Clark Think They Stink? Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor AAA Plus Membership Benefits, Cost, & Towing Miles How To Open a Roth IRA What Are Index Funds? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark talks about big data and our privacy. Just as errors on your credit report can harm you, the LexisNexis system has major data on consumers that can be erroneous. If you value your privacy and the accuracy of your data, Clark has an assignment for you. Clark Stinks: Segments 1 & 2 Your Big Data Dossier: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Cell Phones Why Clark Howard Thinks Medicare Advantage Plans Stink 4 Steps To Stop Google From Showing Your Personal Information What Is a C.L.U.E Report and Its Impact on Your Insurance Access Your LexisNexis ® Consumer Disclosure Report Free Online Privacy Protection - Discover Best Online Will Maker: 5 Free or Cheap Options Wills & Funerals Archives - Clark Howard ClarkDeals - Nolo Promo Codes Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has talked about delivery drones, driverless cars, and robots for years. Well, it’s happening for real now. Clark updates Walmart’s drone delivery efforts, Google’s Waymo cars, & GM’s Cruise operation - all part of our future. Also, the difference between Roth and traditional IRAs - a new tax issue around inheriting a traditional IRA, and what to do before you bequeath one. Drones & Automation: Segment 1 Ask Clark: Segment 2 Traditional IRA Inheritance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon, Alphabet and Others Are Quietly Rolling Out Drone Delivery Across America Best Investment Companies for Investors in 2022 What Is a Thrift Savings Plan? How To Open a Roth IRA What Is a Roth 401(k) and How Does It Work? What Is Disability Insurance and How Does It Work?   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains what is happening with gas prices at home and abroad, and suggests ways to adapt, including modification of summer travel to offset costs. Meanwhile, airfares are generally 50% higher than last year and around 25% higher than pre-pandemic, but they’re starting to soften. The state of the industry and a sweet spot in the market that can help you save, including deep discount airlines. Gas Prices: Segment 1 Ask Clark: Segment 2 Airfare Sticker Shock: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The new Chevrolet Bolt will be the cheapest electric vehicle in the US Best Credit Cards for Gas Rewards: Top Picks for 2022 Gas Mileage Tips - Driving More Efficiently - Fuel Economy Travel to Japan during Covid-19: What you need to know before you go   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

Yesterday we officially entered a bear market. This is not a total surprise. Clark explains how stock values are measured, how we got here economically with inflation, how this resolves and the best approach for investors. Also, new rates for borrowing for college have been published for this fall. Clark talks about the impact of student loan debt, parental guilt, & the myth of going to the “it” school. Hear Clark’s rule for student loan borrowing, and a better way to pursue an education for long term financial security. Bear Market Perspective: Segment 1 Ask Clark: Segment 2 Student Loan News : Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account 5 Things To Know About Series I Savings Bonds Scammers are offering student loan (un)forgiveness A college helping students avoid loan debt 9 Ways To Pay for College Without Student Loans SoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest Use These Tips To Pay Off Your Mortgage Early Which Documents Should You Keep and for How Long?   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A disturbing trend - buying certain things online - sight unseen. Don’t believe what you see on the internet. It’s becoming common for people to put in offers on homes they’ve only seen online. Big mistake with houses, cars with no right to a refund, and other items. Also Clark talks new savings on TVs - with buying advice, plus free content via antennas & streaming. Buying Online Sight Unseen: Segment 1 Ask Clark: Segment 2 SAVE on TVs & Video Content: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Free Streaming Services in 2022: Movies and TV for Cord Cutters Ask Clark: Are those mailers advertising cheap lakefront & mountain property a scam? SpeedTest.net Bonds, haven for elderly and cautious, are getting torched Denied health insurance coverage? Appeal it. If I Use My Credit Card Through PayPal, Can I Still Earn Bonus Points? Double dip to maximize your credit card rewards Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses the impact of world trade on our finances here. The cost of doing business for our national security - we are entering a new era of world trade alliances and strategic imports. Initially the movement of goods will be less efficient - necessary due to the geopolitical risks we face. There will be more supply chain creation here and abroad as we adapt. Clark Stinks: Segments 1 & 2 World Trade & Strategic Imports: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Rewards Credit Card Review: Invest with 2% Cash Back 12 ways to save at Target Target vs. Walmart price comparison: Which store is cheaper? The Best Credit Cards With No Foreign Transaction Fees Report: 5 Things Most Americans Don’t Understand About Social Security 23 Ways To Save Money on Gas 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

Dietary supplements, vitamins and herbal remedies are unregulated. Clark clarifies which labels to trust. Learn about labels that lie vs NSF & USP supplements. Also, Clark explains how the vehicle market is progressing, including good news on the used car front.  The Safety of Supplements: Segment 1 Ask Clark: Segment 2 Car Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Supplement and Vitamin Certification | NSF  USP Verification Services How to Buy a Used Car in 7 Steps Why Are My Credit Scores Different? Health Insurance Guide Free COBRA Health Insurance: 3 Things To Know 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

Employers have outsourced companies to handle pay advances, many of which charge junk fees. Dave is a payroll advance company that asks for voluntary tips, equivalent to paying interest. These advances can lead to a deficit spending habit. Clark offers a better way. Also, the fight to limit robocalls is showing signs of working, so scammers are moving to messaging to get at your money. What to look out for.  Perils of Payroll Advances: Segment 1 Ask Clark: Segment 2 Robocalls & Messaging Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Find and Claim Missing Money in Your Name 23 Ways To Save Money on Gas A Simple Way To Help Your Kid Build Credit How Does Afterpay Work? Why 'Buy Now, Pay Later' Worries 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

It could be a rocky summer for power blackouts and we’ve got some vulnerabilities with our energy grid around the county.. What could go wrong and ways to be prepared, including battery powered generators. Also, free stuff! How to get books, music, TV & movies LEGALLY online for nothing! See our guides listed below. Power Outages & Generators: Segment 1 Ask Clark: Segment 2 FREE Entertainment Content: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The 12 Best Free Movie Websites for Online Streaming 11 of the Best Places To Watch TV Shows Online Free 15 of the Best Places To Find Free E-Books 11 of the Best Places To Find Free Audiobooks 15 Places To Listen to Free Music Online Kanopy Review: How Your Library Card Provides Free Streaming Great cancellation spreads beyond Netflix JustWatch Review: 5 Things To Know About the Streaming App Best Homeowners Insurance Companies and Ones To Avoid How To Find and Choose a Financial Advisor Ask Clark: What Is a Backdoor Roth IRA? 5 Things To Know About Series I Savings Bonds Is There a Safe Way To Invest in Real Estate?   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Plus, there are deals to be had right now on several items we use in our lives, including mattresses. Inflation nation, Clark’s calling out the deal categories!  Clark Stinks: Segments 1 & 2 Current Deal Categories: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 2022 Top Public Colleges & Universities | US News Rankings Vocational Training Programs by State The Top 25 Two-Year Trade Schools: Colleges That Can Solve The Skills Gap Florida College System Children - Overview - Delta Clark Deals - Mattresses Do Not Give Your Social Security Number at These Places Should You Buy Out Your Leased Car? How to Save Money on Car Insurance How to Shop for Car Insurance Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A perpetual debate: Can money buy happiness? Clark discusses survey findings on the matter and the role of money in personal freedom and happiness. Also, with concerts and events back in full swing, many aiming to get out aren’t happy with ticket prices, but understanding how the industry operates can help you save. Hear how bucket system pricing in the concert industry is based on dynamic demand - and what that means to ticket buyers.  Money & Happiness: Segment 1 Ask Clark: Segment 2 Concert Ticket Pricing : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrift Savings Plan: Home Can Credit Repair Companies Really Raise Your Score? 6 Things To Know Before Contacting the National Foundation for Credit Counseling Have you joined Clark's 'Ditch Your Debt' Facebook group yet? How To Open a Roth IRA Best Investment Companies for Investors in 2022 Checking monthly statements key defense against credit card hacks 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

Memorial Day and the summer travel season is upon us. Airfares have gone way up due to pent up demand and pilot shortages forcing airlines to cut back schedules during peak season - perfect storm for your wallet. Learn essential strategies for saving more on air travel based on when and where flexibility. Another summer expense: cooling your home. With energy prices also up, Clark talks about thermostat settings, and the value of smart thermostats.  Summer Airfare Savings: Segment 1 Ask Clark: Segment 2 Home Cooling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Way To Get a Flight Deal to Europe Right Now Where You Should (and Should Not) Book Your Next Vacation How To Find Cheap Flights in 3 Easy Steps Hopper - Book Flights & Hotels on Mobile Norway’s Norse Atlantic To Launch From 4 U.S. Airports, Fares From $129 CLEAR Identity Verification: 6 Things to Know Before You Sign Up / Clearme.com What's the Best Setting for Your Thermostat During the Summer? What Is a 403(b) and How Does It Work? How To Open a Roth IRA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn Clark’s position on crypto and why it’s not yet ready for prime time. Most people who’ve put money into crypto have lost money, either through fraud or lost value. Ultimately digital money will become part of our lives. This is the pioneering phase of crooks, con artists, speculators and believers. Also, Clark was diagnosed with prostate cancer 14 years ago. Why this can be a complicated diagnosis, new research into genetic markers, Clark’s update and how to approach a diagnosis as an advocate for yourself.  Crypto Currents: Segment 1 Ask Clark: Segment 2 Prostate Cancer Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to avoid ‘rug pulls,’ the latest cryptocurrency scam Clark Howard and the Prostate Cancer Foundation Deposit Insurance - FDIC Mint Review: 5 Things To Know About the Free Budgeting Tool Welcome to the Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses how travel insurance and cancellations generally work, and a void in the market that AMEX is filling. Then, the discussion turns to weddings, a recent low cost nuptial ceremony that went viral and cash wedding gifts.  AMEX Travel Benefit: Segment 1 Ask Clark: Segment 2 Budget Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  The Points Guy: American Express adds new ‘cancel for any reason’ coverage option on flights The Points Guy: Why are airfare and hotel rooms so expensive right now? U.S. summer travelers can expect long lines, higher prices as COVID restrictions ease #1 Reason You May Not Need ‘Cancel for Any Reason’ Travel Insurance The Best Credit Cards With No Foreign Transaction Fees How to handle money when you’re traveling overseas How to Plan a Trip: Clark’s Best Travel Tips to Save Money Clark Howard's Guide to Saving Money on Your Wedding Make Money Origami to Personalize Cash Gifts - YouTube Clark Howard: Books - Clark Howard Life Insurance Archives - Clark Howard Wedding & Event Flowers - Costco Wholesale   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 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

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 Mint Mobile Introduces Modern Family Plans Verizon Price Hikes Coming In June 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there 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 Learn more about your ad choices: megaphone.fm/adchoicesz Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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. Clark Answers His Critics on Clark Stinks Dealerships Vs. the Free Market Sale of Vehicles 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

“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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 // Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

$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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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. \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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) \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

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 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / For those who’ve worked various jobs over decades, there may be lost retirement accounts or a small pension you’ve lost track of. There are 25 million unclaimed 401(k)s out there containing $1.35 Trillion. Also - what to do when you change jobs. Clark.com - How To Find Missing or Lost Retirement Accounts Clark Stinks and Ask Clark topics include: Automatic Bill Pay: How It Works and How to Do It Safely / Wait times at Disneyland and Universal Studios are way down. Here’s why / Best 529 College Savings Plans By State / 5 Things to Know Before You Use Zelle / Suing in Small Claims Court \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Should you stock up on essential supplies? Clark has a different angle on deciding what to buy. // Were you expecting a refund on your auto insurance during the pandemic that never came or was less than expected? If you’re the 1 in 3 people driving less, you’re subsidizing other drivers. Clark has a suggestion to help you save on auto insurance.  Ask Clark topics include: Consumer Reports Generator Ratings / Should We Buy a Truck With eBay Gift Cards? Or Is This a Scam? / CarRentals.com / Mint Mobile Review - Visible / Equitable Distribution Definition - Investopedia / Long-Term Care Insurance / What can I do if I believe my credit file has been mixed with someone else's? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

TVs have gone up in price, as much as double since last November. The market effect of Amazon’s entry and Clark’s best advice for TV buyers. // SpaceX’s Starlink internet service is on hold. Clark’s excitement over the supposed imminent availability of high speed rural internet was well-placed, but premature. What we have here is a failure to serve customers. Ask Clark topics include: Rules for Using Credit Cards / 6 of the Best High-Yield Online Savings Accounts in 2021 / How to Keep Student Loan Forbearance From Hurting Your Credit / Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? / Dollar Cost Averaging Makes You a Fortune Over Time / How To Open a Roth IRA / Warning: 3 Big Problems With Visa Gift Cards / File a Complaint with the Consumer Financial Protection Bureau \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

When looking at job opportunities, there are many considerations beyond pay alone. // Do you know if your company or boss is using spyware to monitor you? Be aware of new ways your company may be tracking you as you work from home. Ask Clark topics include: 9 Ways To Pay for College Without Student Loans - The Top 5 Benefits of Community College / Is Investing in Dividend Stocks a Good Strategy? / File a Complaint with the Consumer Financial Protection Bureau / Carvana Vehicle Value - Also get vehicle value from dealer / How to Buy a New Car in 5 Steps \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the Apple & Google “toll gates” and the potential advantage of signing up for subscriptions from service websites vs from in-phone apps. Also, expect heavy subsidies on the new Apple iPhones depending on your carrier. // A rethink of college relevance and new information and insights around college & skills training decision making. Also, employer subsidized education opportunities, income share agreements, and working while in school. Ask Clark topics include: Experian New Debt Collection Rule Allows Contact on Social Media / Roth IRA / Best Online Banks - Bankrate: The best online banks of 2021 / Debt Collectors May Soon Contact You By Text and Social Media. Here’s What You Should Know - Your rights when dealing with debt collectors / Deadline Extended: Check Your Credit Report Every Week for Free / Could-Based Phone Systems \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark's 9/11 Remembrance / Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark explains why Locast is no more, and alternative ideas for watching local channels, whether you were a Locast customer or not. Clark Stinks and Ask Clark topics include: 6 Steps to Eliminate Credit Card Debt in 3 Years or Less / Ford Will Build Your Next Car to Your Custom Order / 4 Things To Know Before You Buy a Digital TV Antenna / 4 Things To Know Before You Sign Up for Sling TV / Amazon agrees to pay shoppers up to $1,000 for defective goods after facing high-profile liability cases \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

New privacy ideas based on burner tech may lessen your privacy concerns. Clark offers several ways to do business via email and phone, without them getting into your business. // Shopping online used to be a great way to save money. Supply shortages have led to a reverse movement among retailers. Seeing is believing when it comes to deals now. Clark explains the trend to help you spend - less! Ask Clark topics include: Where to Buy the Best Cheap Printer / Umbrella Insurance / How to Freeze Your Credit / Credit Karma Review / Term Life vs. Whole Life Insurance / Index Funds / 7 Best Ways to Save for Retirement in Your 50s \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark talks about decision making around education and skilled-trade training, costs, and the debate over the value of college.  // Many industries are experiencing worker shortages and we’re feeling the effects. We’re millions of workers short in the U.S. with an aging population. Clark’s controversial solution. Ask Clark topics include: Easy Disney World Planning / The current state of state-sponsored retirement programs / Health Insurance / Tracfone Wireless / How and When to Cancel a Credit Card / 5 Things to Know Before You Use Zelle / 5 Ways To Improve Your Credit Score // Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

What you need to know about new savings incentives you may see within your employee benefits during open enrollment.  // Clark smart steps to keep your loved ones safe and to protect you in case of an emergency. Ask Clark topics include: Rent is about to go up again—here’s why / 6 Best Ways To Send Money Online / Topic No. 607 Adoption Credit and Adoption Assistance / 6 of the Best High-Yield Online Savings Accounts in 2021 - Yotta - Start Saving. Start Winning / Should You Buy an Extended Warranty on Your Car? / How To Open a Roth IRA / Target Date Funds vs. Index Funds: Which Are Better for You? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Around 1 in 5 U.S. workers are in covenants not to compete, outlawed in California. A Clark warning for job hunters. Clark Stinks and Ask Clark topics include: Deep discounters like Dollar Tree get hit, as they juggle supply chain costs and price-sensitive customers / What Is a 403(b) and How Does It Work? / Retirees fearing financial disaster wait for pension rescue - Pension Benefit Guaranty Corporation / Investment Guide: Advanced investors / Residential Solar: Compare the same size systems between 5 companies in your area with a payback cycle of 9 years or less. / How to Sell Your Stuff on Facebook Marketplace Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Wells Fargo has engaged in fraud against customers. Now new sanctions are coming because they have not complied with settlements. Why you should ditch your big bank. // Looking to earn more on savings, people are susceptible to con artists pitching “safe investments”. A Clark warning about promises of higher interest rates. How to spot a Ponzi scheme. Ask Clark topics include: Should I Be Concerned About T-Mobile’s Data Breach? / If you have traditional health insurance, avoid student health insurance - Health Insurance Guide / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Insuring a home-based business / Automatic Bill Pay: How It Works and How to Do It Safely \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s great support on price transparency on hospital charges on all fronts EXCEPT from hospitals and insurance companies. The reason is Clarkrageous. And Clark’s got the punishment to make them comply. // It’s crazy we don’t have a nationwide toll system. But there’s some progress there. Ask Clark topics include:  14+ Senior Discounts People Age 50 and Older Should Know About! / Best 529 College Savings Plans By State / How To Open a Roth IRA / Clark Howard: Here’s My Experience Selling a Home With an iBuyer / Don’t fall for this car wrapping scam \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The nursing shortage is severe and demand is pushing up pay rates. If you have a love of science and medicine, there’s opportunity to make a difference. // While some areas see dollar store proliferation as a problem, these retailers are currently booming with a diverse customer base (including Clark)  trying to offset inflation and stretch every dollar. Ask Clark topics include: Can a Patient Advocate Help With Your Medical Bills? / WSJ - Paying With a Credit Card? That’s Going to Cost You. / How to Build Credit / How a 19 year old got a credit score of 820 / Best 529 College Savings Plans By State \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

There are private services that allow your rent payments to be tracked for credit, and now Fannie Mae has a new lending guideline that allows renters to qualify for a mortgage based on their rent payment history. Clark explains how this will work to assist in achieving home ownership, in keeping with how credit scoring is changing overall. / Worried about having enough to retire one day? Over time if you regularly contribute to a good retirement plan, well, watch what happens! Why money you’re saving for your long-term future must be invested - and how to invest properly.  Ask Clark topics include: The biggest mistake you can make with your 401(k) / Read this before you sign up for a ‘risk-free’ trial / 401(k) Contribution Limits for 2021 / How to Sell a Vehicle - eBay Motors - How to Sell Your Car in 5 Steps / Tips for Buying and Selling Safely on Marketplace - Facebook \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Once again, the pandemic has thrown travel plans into the unknown. But there’s good news if you feel comfortable taking off this year. Clark Stinks and Ask Clark topics include: 6 Things To Know Before You Sign Up for Visible / File Complaint with BBB / Is LifeLock Worth the Cost? / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / Keep solid proof forever when you’ve paid off student loans. / Credit Lock vs. Credit Freeze: What’s the Difference? / Acorns Review / How to Start Saving Money in 5 Easy Steps \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Hackers have successfully invaded T-Mobile's data base and have info on 40 million users. 3 quick measures T-Mobile customers can take - and 1 task for AT&T and Verizon customers - to help prevent SIM hijacking and the subsequent looting of your accounts. // 1 in 3 U.S. investors admits they have traded while under the influence - dangerous for your wallet. Don’t drink & trade. For Clark, investing is not a sport. He explains his philosophy. Ask Clark topics include: How To Prevent, Report and Repair Identity Theft / How and Why to Refinance Your Mortgage: A Step-By-Step Guide Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The way we get goods and what’s available, has come full circle. We’ve become conditioned to the wide availability of goods. Yeah we’re going to have to get over that. One result is a win win if it catches on: Ford is trying to change how we buy new vehicles in the U.S. Clark explains. . // Do you have proper coverage? If you’ve got assets, don’t ignore what Clark calls the “success tax” - one of the most overlooked forms of insurance. Ask Clark topics include: How To Improve Your Credit Score by 100 Points in 30 Days / Fidelity Investments Review 2021: Pros & Cons / Lemonade Insurance Review: How It Works, Coverage Options / Automatic Bill Pay: How It Works and How to Do It Safely \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

A simple tip from the NSA can help keep fraudsters out of your cell phone. // Unfortunately, many don’t leave important financial information when they pass away. How to find out if a loved one had life insurance you didn't know about.  Ask Clark topics include: Credit Lock vs. Credit Freeze: What’s the Difference? / What Is a SEP IRA and Who Is Eligible? / AUTO Insurance \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Employers are offering more to get and retain workers. Shop your skills for better pay and benefits. The labor shortage is actually an advantage to the overall economy. Clark describes how business innovation increases efficiency, productivity & profitability which in turn, creates more wealth for citizens. // Clark gets questions all the time from people changing employers and moving their 401(k) accounts. Rip Off Alert and a Clark Smart NEVER NEVER Rule. Ask Clark topics include: Save on Prescription Drugs - 10 Things To Know Before You Use GoodRx / Troubleshooters warning about Cash App debit card scam / How to Find and Claim Missing Money in Your Name / Life Insurance - How to Buy Term Life Insurance in 7 Easy Steps / How To Open a Roth IRA \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark has a new teen driver, and there are some important things to know that will keep us all safer. Clark Stinks and Ask Clark topics include: How to spot and avoid fake product reviews on Amazon / Debit Cards / Rebtel.com: Cheap International Calls and Unlimited Calling / ABLE accounts: A tax-free way for parents of disabled kids to save for the future - Special Needs Trust / Why co-signing a loan can be bad on almost every financial level / How to Build Credit / How and Why to Refinance Your Mortgage: A Step-By-Step Guide \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark addresses the investigation into the Tesla autopilot system and his experiences with autonomous driving. // Clark shares his  favorite places to save money on prescription eyeglasses & contacts. 3 discount sellers get the highest satisfaction ratings. Ask Clark topics include: Should You Buy an Extended Warranty on Your Car? / Wells Fargo Active Cash Card Review / How To Find and Choose a Financial Advisor / How to Freeze Your Credit / Best 529 College Savings Plans By State \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Based on your particular needs for calling, network & data, choose the best cell plan & provider using Clark’s new cell phone guide, which makes it clear to see the best plan for you, at the best price. // New competition is changing the banking industry, which at its core, is about extracting fees from you. Now you have choice: Credit Unions, online banks & fintechs do things differently. Ask Clark topics include: 5 Things to Know Before You Use Zelle / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Mile Auto | Pay-Per-Mile Car Insurance / How to Buy a Used Car in 7 Steps / How to Buy a New Car in 5 Steps \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Organized crime has had a hand in moving scams for decades and now it’s gotten more severe. Clark describes how the scam happens, so you can steer clear. // The pandemic has upended the office imperative, allowing more people to live and work anywhere in the country or abroad. But working remotely is not without downsides. Some Clark smart employment direction.  Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / Biden Administration Extends Student Loan Pause Until January 31, 2022 / How to Save Money on Car Insurance / How to handle money when you’re traveling overseas / Stock Options - Not recommended / How To Spot, Avoid, and Report Fake Check Scams | FTC \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

In stores and online, the ‘Buy Now, Pay Later’ option is proliferating. What’s the catch? / If you are an Amazon user, there are disturbing things going on with certain sellers you need to know about involving negative review backlash and dangerous merchandise. Ask Clark topics include: Rules and Qualifications for Claiming a Tax Dependent / Donor-Advised Funds: The Benefits and Drawbacks / Why You Should Never Use a Debit Card To Pay for Anything / Chase Sapphire Preferred Review: Travel Card / Best 529 College Savings Plans By State / Frequently Asked Questions on Gift Taxes \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / There’s evidence the frenzy in the home selling market is cooling off.  Have we hit the point of price resistance? What home buyers and sellers should know. Clark Stinks and Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle / Is a Safe Deposit Box Really Safe? / Smartphone deals: The best bargains on unlocked smartphones under $200 / 9 Ways To Pay for College Without Student Loans / Airbnb Resolution Center / How to Switch Banks in 4 Simple Steps / How to Find a Free ATM Near You: Allpoint, MoneyPass, CO-OP Financial Services and More \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Businesses have a lot to figure out right now -- vaccines, lack of workers, and wages. Employer vaccine mandates are expanding among medium to large companies. Clark explains the visceral fear of economic slowdown, in an environment of great job opportunity. // An inventive idea to solve housing shortages in cities. Ask Clark topics include: Amazon Scam Warning: Beware of Deliveries You Didn’t Order / How to spot and avoid fake product reviews on Amazon / The Best Time and Place to Buy a Mattress - Best Mattresses of 2021 / Humble Dollar -Losing It All - 5 Ways To Protect Your Retirement Accounts From Being Hacked \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re an entrepreneur or have a side gig, what you need to know to save for your future. // College students are headed back to campus. A special warning about campus health insurance, and what your options are.  Ask Clark topics include: eBay Motors - Car and Truck Inspections / File Complaint with the Better Business Bureau / Roth vs. Traditional 401(k) / Petal Card Review - What Is a Credit Union? / The Best Places to Sell Your Cell Phone \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The package delivery industry is beset with problems that affect small business the worst. Who is filling the niche? // Word is out about some scams that are dominant now. Warnings for individual car sellers & sellers of anything, and what can happen if you lend out your phone. Ask Clark topics include: Is a Cash-Out Refinance Right for You? / Virtual Credit Cards: An Online Security Measure Worth Taking? / What Is an HSA Account and How Does It Work? / The #1 Way To Protect Yourself From Skimmers if You Use a Debit Card at the Gas Station \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Different lenders assess you differently. Larger lenders use their own proprietary evaluations - and evaluate your patterns & their risk levels to make decisions about your credit. 80% of car buyers obtain a loan the wrong way. How to obtain the best credit terms. // QR codes have proliferated during the pandemic and are here to stay, but there are some privacy red flags going up around them. Plus, Apple privacy &  Amazon privacy invasion. Ask Clark topics include: Where Do We Get a Homeowners Warranty on Appliances? / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / How to Save Money on Utilities \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Tips for saving money when doing laundry. Clark Stinks and Ask Clark topics include: Locast / 80+ great deals and discounts for military members and veterans - Military and Veterans Guide / 7 Things You Need to Know Before You Fly Southwest Airlines / Long-Term Care Insurance / Costco Travel / 401(k) Guide / Fidelity Investments Review 2021 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark preps you for the current state of travel, including passport delays, how to book to protect your wallet, hotel cleaning policies and rental cars. / Clark is alarmed by a new statistic about people borrowing money to play the stock market on what is called “Margin”. How this practice works and the risk involved. Ask Clark topics include: What Is a Credit Union? / How and Why to Refinance Your Mortgage: A Step-By-Step Guide / 5 Things To Know Before You Sign Up for Verizon Prepaid / What Is a 403(b) and How Does It Work? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how 529 plans work to help families save for college, how to set one up, and which ones make Clark’s Dean’s List of most cost-efficient plans in his newly updated 529 Guide. But - Quiz: what comes in your financial life BEFORE you set up a 529 plan? / Employers are starting to offer incredible incentives and benefits to employees, and Walmart just announced a big one. Employer subsidized college isn’t new - let’s hope it’s returning broadly. Ask Clark topics include: Gift Tax Definition - Investopedia / Term Life vs. Whole Life Insurance: Understanding the Difference / What Is an HSA Account and How Does It Work? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Due to the ongoing pandemic, interest rates have fallen back down and with them, mortgage refinance rates. How refinances and mortgages differ, and how to go about taking advantage of these historic low rates. / The number of thefts of catalytic converters has risen 10 fold in the past year. It’ll cost ya big. How you can help prevent this theft problem. Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service / How to Find the Best Deal on Cheap Internet Service / Streaming TV / How to develop an independent value for your vehicle after an accident / Clark Deals - Cell Phones & Smartphones - Get a FREE iPhone 12 mini with trade-in when you switch to Metro by T-Mobile \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices