The Clark Howard Podcast

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

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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

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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
• Alert: Funeral Home Scam Targets Grieving Families
• 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

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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

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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.
• Where You Should Never Buy Travel Insurance for a Cruise
• 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

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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

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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

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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

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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

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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

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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

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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
• Should You Sell Your I Bonds Right Now?
• 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

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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

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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

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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

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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

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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

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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

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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

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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

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Today, a Red Alert if you have a checkbook in your possession. Check theft is soaring at a time when people are writing fewer checks. Clark explains the weak links in the system, and the safest way to pay your bills. Also, the rising costs of homeowners insurance hits especially hard in areas prone to flooding, fires, and other environmental concerns. Know the additional steps to take concerning insurance BEFORE you buy a home. 

• Check Fraud Prevention: Segment 1
• Ask Clark: Segment 2
• Homeowners Insurance - Assessing Risk: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• NYTimes: We Can’t Stop Writing Paper Checks. Thieves Love That.
• NYTimes: Stolen Checks Are for Sale Online. We Called Some of the Victims.
• The New York Times: What to Know About Writing Checks While Preventing Fraud
• How To Roll Over a 529 Plan to a Roth IRA
• The Artist's Way
• Where to Buy a Vacation Home Safe From Climate Risks
• Want to know if your future home might flood? These states are requiring disclosure.
• Climate Check - How Will Climate Change Affect Your Property?
• Donor-Advised Fund Definition, Sponsors, Pros & Cons, Example
• Why Big Banks Are a Bad Place for Your Cash
• How To Sell, Cancel or Get Rid of Your Timeshare
• Why 'Buy Now, Pay Later' Worries Clark Howard

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• Episode transcripts
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• Consumer Action Center Free Helpline: 636-492-5275

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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

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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

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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

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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

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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

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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

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• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
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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

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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

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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

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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

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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

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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

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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

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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?

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

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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

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

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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

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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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