The Clark Howard Podcast

After the economic turmoil of the past 15 years, many workers struggle financially which affects their well-being and productivity. Clark discusses how employers are addressing this. Also, a huge financial drain on so many, long-term care, is becoming increasingly tougher to insure. 

• Small Business Retirement Plans: Segment 1
• Ask Clark: Segment 2
• Long-Term Care Insurance: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Workplace Financial Coaching Has Become Ever More Important
• Retirement Plans Startup Costs Tax Credit
• Small Business Retirement Plan Options
• Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
• Should You Ever Take a Loan From Your 401(k)?
• How Mileage Brokers Ruin Miles & Points For Everyone
• NYTimes: Difficult Choices for Some Long-Term Care Policyholders
• ‘Financial Ruin Is Baked Into the System’: Readers on the Costs of Long-Term Care  
• What Is Long-Term Care Insurance Cost & Coverage
• What Are the Pros and Cons of the Costco Car Buying Program?
• The Best Car-Buying Services in 2024

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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In researching auto insurance, Clark has discovered some stats about the wide cost differences between various companies that will motivate you to shop auto insurance at renewal time if you're in bill shock. Also, have you noticed car washes popping up all over where you live? Learn what the deal is so you don’t get hosed. 

• Shopping Auto Insurance Pays: Segment 1
• Ask Clark: Segment 2
• Car Wash Subscriptions: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• A major auto insurer returns to California — with a 30% price hike
• How to Shop for Lower Car Insurance
• Car Insurance Archives - Clark Howard
• 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster
• What Should I Do if I Need a Car Right Now?
• Why Are There Suddenly So Many Car Washes?
• Are Car Wash Memberships Worth It?
• How To Create a Will Online 
• Best Online Will Maker: 5 Free or Cheap Options
• Who Should Consider Setting Up a Trust?
• Rollovers From a 529 Plan to Roth IRA: What 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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Vehicle inventory is way up for some brands, and this creates an advantage for potential car buyers. Clark shares where the deals are. Also - There’s a shift going on with the U.S. energy supply and the way it’s provided. Clark has advice on the best play for your wallet based on the changes going on.

• New Car Deals: Segment 1
• Ask Clark: Segment 2
• Renewable Energy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies
• Car Prices Are Finally Coming Down. It Looks Like a Buyer’s Market.
• How to Buy a New Car in 5 Steps
• Warning: Why You Should Never Buy Visa Gift Cards
• What Is an ABLE Account?
• WSJ: U.S. Renewable Power Growth Is Setting New Records on the Back of Federal Support 
• Best Term Life Insurance Companies, Plans & Coverage
• NYTimes: She Ordered an Ashtray and Got a Can of Tuna

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 discusses an important factor for many that is purposely ignored by credit card review sites - interest rates on cards. How do you find the best deal? 

• Clark Stinks: Segments 1 & 2
• Best Credit Card Rates: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How to Choose the Right Dog Rescue Group
• 4 Things To Know Before You Sign Up for YouTube TV
• The Platinum Card® from American Express Review 2023: Is It Worth It?
• How To Find and Choose a Financial Advisor
• Should I Buy Additional Insurance From a Rental Car Company?
• My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance?
• NYTimes.com: Looking for a Lower Credit Card Interest Rate? Good Luck.
• CFPB - Credit card data: Small issuers offer lower rates
• Why Are More People Using Small Banks And Credit Unions?
• Navy Federal Visa cashRewards Card Review: Cash Back Credit Card
• Credit Union vs. Bank: What's the Difference?
• Home Equity Loans & Lines of Credit: 7 Common Questions Answered
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• How one couple paid off $40K of debt in 24 months
• Clark Howard's 2024 Credit Card Debt Elimination Strategy

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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Regarding your heart health, Clark shares news of a non-invasive test you can do routinely that can be very telling. Also in today’s show, Clark gives you the lay of the land for potential home buyers and sellers this spring, including buyer incentives on new builds. 

• Taking Heart Health In Stride: Segment 1
• Ask Clark: Segment 2
• The Spring Home Buying Season: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Gait speed is one of your vital signs, so make sure yours is OK
• Frontier Discount Den  /  Kids Fly Free
• Waiting for the Spring Selling Season to Buy or Sell a Home? That May Be Delayed
• Stamps.com - Postage On Demand
• How Can I Find Out Why My Credit Score Just Dropped?
• 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

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What are you paying for home internet? One provider that was low cost has now raised its prices. Clark tells you how to shop around for the best price based on your particular internet needs. Also- there’s a segment of the population long ignored when it comes to financial literacy. Clark discusses this gap and how to fix it. 

• SAVE MORE On Home Internet: Segment 1
• Ask Clark: Segment 2
• Financial Literacy For Senior Women: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• T-Mobile quietly raises Home Internet monthly price to $60 for new customers
• Internet Archives - Clark Howard
• UPGRADE - Cash Rewards Elite Card
• There’s a financial literacy gender gap − and older women are eager for education that meets their needs — The Conversation
• Investing & Retirement Archives - Clark Howard
• What Is a Roth 401(k) and How Does It Work?
• How To Open a Roth IRA
• Target Date Funds: Clark's Favorite Retirement Investment
• What Is a Solo 401(k) and How Does It Work?
• What Is a SEP IRA and Who Is Eligible?
• 3 Simple Ways To Delete Your Google Data
• Want To Guard Your Privacy Online? Search the Web With DuckDuckGo
• 13 Steps To Keeping Your Email Safe and Secure
• 16 of the Best High-Yield Online Savings Accounts
• What Are Index Funds? / Clark.com SAVINGS TABLE
• How Much Should You Have Saved for Retirement by Now?
• Best Investment Companies for Investors in 2024

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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There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also in this episode, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport. 

• Future 401(k)s & IRAs: Segment 1
• Ask Clark: Segment 2
• Airline Baggage Fees: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade
• Do Not Give Your Social Security Number at These Places
• How Many Bank Accounts Should You Have? - Clark Howard
• 16 of the Best High-Yield Online Savings Accounts
• Best Investment Companies for Investors in 2024
• United Airlines is also raising its checked bag fee. See by how much. - USA TODAY
• Get Ready for $40 Luggage Fees - The Wall Street Journal.
• NYTimes.com: How to Pack for a Two-Week Trip With One Small Suitcase
• How To Pack a Carry-On the Right Way
• 4 Things You Should Always Pack in Your Carry-On
• Best Travel Credit Cards: Top Rewards Picks for 2024
• Best Cash Back Credit Cards With No Annual Fee in 2024
• Should You Ever Buy Travel Medical Insurance?
• 6 Best Apps To Save Money on Groceries
• Flipp – Flyers, Shopping List, Weekly Ads | Flipp

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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Junk fees are being imposed all over the place in all manner of ways these days. A new California law is going to end that practice in the state, with nationwide implications. Meantime, your Clark smart approach to purchases can help protect your wallet. Also - First TurboTax, now H&R Block is in trouble for pressuring customers to overpay. There’s a better way!

• Anti Junk Fee Law: Segment 1
• Ask Clark: Segment 2
• Tax Filing: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What does a service fee ban mean for diners? Expect higher menu prices — a lot higher
• Inflation is cooling, but small businesses are still suffering
• NYTimes: It’s a Great Deal, Before the ‘Drip Pricing’
• ENERGY STAR® | Department of Energy
• FTC says H&R Block pressures people into overpaying for tax prep
• New York Post: H&R Block used deceptive ads, pressured users into overpaying, deleted tax data: FTC
• FTC finds TurboTax “free” is not free for most
• 8 Free Federal and State Tax Filing Services for 2024
• Free File: Do your taxes for free | Internal Revenue Service
• Direct File | Internal Revenue Service
• When Should You Get an Accountant To Do Your Taxes?
• Why co-signing a loan can be bad on almost every financial level
• New York launches probe into nationwide AT&T network outage
• 16 Items To Pack in Your Financial Emergency Kit
• Amateur Radio Service / Amateur radio
• National Credit Union Administration (NCUA)

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: New data on US worker productivity and why this is good news for our economic growth and well-being. 

• Clark Stinks: Segments 1 & 2
• American Productivity: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Free Advice: Clark's Consumer Action Center - Clark Howard
• Fidelity - Automated investing: How to save and invest more
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• How To Monitor Your Credit
• How is the U.S. Postal Service governed and funded?
• How to sell your house by owner
• Google Fit
• NYTimes.com: Can America Turn a Productivity Boomlet Into a Boom?
• What Is Term Life Insurance?
• The Power of Compound Interest: Calculations and Examples
• Always Ask Your Pharmacist the Price of Your Prescription Without Insurance
• 7 Things To Know About Costco Pharmacy
• Save On Prescription Drugs - Clark.com

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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Banks are heavily exposed to the troubled commercial property market. Clark discusses what this means for small businesses and individuals.  Also, facial recognition and biometric digital ID is becoming more prevalent, transforming your airport experiences. This brings both convenience and privacy concerns. 

• Clarkonomics: Segment 1
• Ask Clark: Segment 2
• Travel Biometrics: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Bad property debt exceeds reserves at largest US banks
• IntraFi - CEDARS
• Why Big Banks Are a Bad Place for Your Cash
• Best Investment Companies for Investors in 2023
• How To Open a Roth IRA
• When Do You Need a Travel Agent?
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• Facial Recognition: Coming Soon to an Airport Near You
• TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You?
• 5 Money Tips To Know Before You Travel Abroad
• What’s the Best Way To Exchange Dollars for Foreign Currency?
• MouseSavers.com: Disney discounts, deals & coupons guide

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 wonderful culture shift has taken place. Younger generations are becoming rich, and not through hitting the lottery or buying hot stocks. There are simple ways to make this happen, and we have a new tool at Clark.com to help you see how much you can save over time. Also today, bargains keep getting better! Target is getting more competitive with a storewide discount brand.

• Youth Saving & Investing: Segment 1
• Ask Clark: Segment 2
• Target’s New Discount Brand: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark.com SAVINGS TABLE
• Want to retire with a million bucks in the bank? Here's one tip on how to do it. - USA TODAY
• WSJ.com: These Teenagers Know More About Investing Than You Do
• Wealth Inequality by Age in the Post-Pandemic Era
• How Much Should You Have Saved for Retirement by Now?
• How a summer job could turn you into a millionaire
• Investing & Retirement Archives - Clark Howard
• Understanding Velocity Banking, and How It Helps You Rapidly Pay Down Debt
• What Is Homeowners Insurance?
• Target creates its cheapest in-store brand as consumers are squeezed
• Target's new low-cost brand dealworthy gives bargain hunters a new department to shop at with prices lower than $1.
• The Best Car-Buying Services in 2024 / How to Buy a Used Car in 7 Steps
• 5 Reasons Sam’s Club Is Better Than Costco

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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More than 40% of homeowners carrying a mortgage right now are over age 65. Clark discusses the implications of this obligation in terms of interest rates, loan term lengths and home prices. Also, how much can you trust a website’s chatbot? Air Canada recently got into trouble over its AI bot. What you need to know about AI in the information space, including a NEVER rule about searches. 

• Having A Mortgage At Age 65+: Segment 1
• Ask Clark: Segment 2
• AI Chatbot & Search Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• NYT Keeping a Mortgage After 65: A ‘No Brainer’ or a Big Risk?
• Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need
• Term Life vs. Whole Life Insurance: Understanding the Difference
• What Is Term Life Insurance?
• How To Buy Term Life Insurance in 7 Easy Steps
• Best Investment Companies for Investors in 2023
• Best Auto Insurance Companies and Some of the Worst
• Why You Need To Re-Shop Your Car Insurance Right Now
• Homeowners Insurance Archives - Clark Howard
• New York Post: Air Canada ordered to refund passenger after ‘misleading’ conversation with site’s AI chatbot
• 5 Money Tips To Know Before You Travel Abroad
• What’s the Best Way To Exchange Dollars for Foreign Currency?

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’ve recently sold I Bonds and/or receive 1099s, Clark has an important tax tip for you. Also today - Clark discusses some employment cross currents in play now to keep in mind as you survey the job market, and for employers to be aware of as they seek workers.

• I Bond Tax Tip: Segment 1
• Ask Clark: Segment 2
• What Workers Want: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Should You Sell Your I Bonds Right Now?
• Making Money on I Bonds Was Easy. The Tax Paperwork Isn’t. - The Wall Street Journal.
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• How getting a second opinion can stop you being ripped off — The Conversation
• Americans want more control over when they work, not just where 
• Employee salary expectations are evolving — and escalating a threat for businesses
• How to find a job you’ll actually like
• Workers are spending a lot of money returning to the office — and it's raising turnover risks
• [The Washington Post] The best times to book cheap flights for every vacation season

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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Welcome to a SPECIAL EDITION of  the Clark Howard Show, where our mission is to serve and empower you to make better financial decisions in your life. Today, Clark hits on a few key basic strategies to have more money in your life: They are:

- SPEND LESS: Need vs. Wants and how to tell the difference

- Clark’s strategy to start saving TODAY for retirement - regardless of your age

- SAVE MORE on transportation

- AVOID GETTING RIPPED OFF by protecting your identity and credit

Segment 1: Behavioral - Back to basics on needs vs. wants

Segment 2; Start saving today for retirement

• Begin with 1%, or up to an employer match if possible and available 
• When you get a raise, pretend you didn’t and increase your contribution

Segment 3: Only buy a car you can afford

• If you have to take a loan, 42 months maximum
• Compare loans
• Consider buying used 

Segment 4: Protect your identity

• Don’t ever carry checks or your Social Security card
• Your credit is the key to your identity -Freeze your credit! 
• Don’t use a debit card
• Use virtual card numbers online

Mentioned on the show:

• Six Essential Questions to Ask Yourself Before Making a Major Purchase
• Advice | Fear of missing out can keep you broke. Fight the spending temptation.
• Why are sales so hard to resist? It's your brain, on discounts
• How To Save Money: Spend Less & Build Your Savings  /  Save Money Archives
• How To Save and Invest the Clark Howard Way
• Avoid the #1 Mistake That Car Buyers Make
• Clark.com - Buying A Used Car /  How To Buy A Vehicle
• Should I Ever Buy Extras Car Dealerships Sell in Their F&I Departments?
• How To Prevent, Report and Repair Identity Theft
• Do Not Give Your Social Security Number at These Places
• 7 Items You Should Never Carry in Your Wallet
• Why You Should Never Mail a Check
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• Why You Should Never Use a Debit Card To Pay for Anything
• The Safer Way To Use Your Debit Card
• Virtual Credit Cards: An Online Security Measure Worth Taking?

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 - Clark has serious reservations about the breakdown of standards in the hotel industry, especially when it comes to booking a room. There’s important new info to be aware of when planning travel. 

• Clark Stinks: Segments 1 & 2
• Hotel Booking Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 15 of the Best Free Workout And Fitness Apps
• How To Get a Gym Membership for Practically Free
• 6 Things to Know About the SilverSneakers Program for Seniors
• Food Expiration Dates: What You Need To Know
• Food Product Dating | Food Safety and Inspection Service
• Should I Pay Off Debt, Save Money or Invest?
• Warehouse Clubs Archives - Clark Howard
• 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
• How Often Does Clark Book Travel Via Capital One Travel When It’s Often More Expensive?
• 5 Steps To Getting a Good Deal on a Hotel Room
• Should You Ever Book a Nonrefundable Hotel Room?
• Investopedia - Retirement Planning: Strategies, Tools, Choices
• Retirement Planning: Strategy, Savings and Income
• Fidelity Investments | Retirement Guidance
• Education | Retirement Plan Services - Schwab Workplace
• Invest & Retire - Clark.com
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• How To Create a Safe Password
• Ambulance rides can be costly — and consumers aren't protected from surprise bills
• Habitat for Humanity - 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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A common mistake car owners make is facilitating the rise in auto theft. There are 2 things you can do to protect your wheels. Also today - After the health club failures of 20 & 21 the industry roared back and stayed strong through 23. New stats show that trend is now reversing, which will affect the offers you’ll see. Clark explains the best way to handle gym membership to protect your wallet. 

• Car Theft Prevention: Segment 1
• Ask Clark: Segment 2
• Gym Memberships: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How one city took on rising car thefts — and brought the numbers down
• 10 Ways To Save Money on Car Insurance
• How To Open a Roth IRA
• Credit Card Car Rental Insurance: What You Need To Know
• Non-Owner Car Insurance: Who Needs It? - Investopedia
• What Is Umbrella Insurance and Do You Need It?
• How To Get a Gym Membership for Practically Free
• Should You Buy Out Your Leased 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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Scammers are using a new tactic to get to you and your money, and it’s up close & in person.  Also, the days of working for one company for an entire career are long gone. Clark discusses creating financial stability in an age marked by inconsistent and unstable employment.

• FBI Scam Warning: Segment 1
• Ask Clark: Segment 2
• Job Uncertainty & Your Savings: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• When cybercrime leaves the web: FBI warns that scammers could come right to your door - USA TODAY
• Consumer Reports Lists Ten Most Reliable Cars
• [The Washington Post] This fridge hack can slash your food waste
• The myth of men’s full-time employment — The Conversation
• How To Save Money: Spend Less & Build Your Savings
• How Much Money Do I Need in My Emergency Fund?
• How To Find Cheap Flights in 3 Easy Steps
• The Best Place To Buy a Mattress 
• How Can I Get Rid of My Old Mattress Cheaply?
• 10 Best Restaurant Apps for Fast Food 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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Clark discusses “nonprofit” hospitals and two crucial steps to take if you get a large hospital bill. Also today, there are multitudes of properties bought for the sole purpose of renting them out, but the rules of the game keep changing. To protect your finances, follow Clark’s rule for buying investment properties.

• Negotiate Hospital Bills: Segment 1
• Ask Clark: Segment 2
• Short Term Rental Property: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Nonprofit hospitals have an obligation to help their communities, but the people who live nearby may see little benefit — The Conversation
• Have medical debt? Anything already paid or under $500 should no longer be on your credit report
• When Do You Tell a Car Dealership You're Paying Cash?
• Palm Springs capped Airbnb rentals. Now some home prices are in free-fall
• Use of cameras and recording devices - Airbnb Help Center
• How To Open a Roth IRA
• How Many Credit Cards Should I Have?

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 common text scam just attempted to infiltrate Clark’s own company. Hear how that turned out! Also today,  a warning if you receive packages from online retailers, and the one thing you need to do immediately when you do receive an item. 

• Text Scam Targets Companies: Segment 1
• Ask Clark: Segment 2
• Retail Return Fraud: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Do Your Boss a Favor and Don't Fall for a Gift Card Scam - ITRC
• Think you know what the top scam of 2023 was? Take a guess
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• What's the Best Savings Account for a Teenager?
• Hot Water Recirculation Systems
• Streaming TV - Clark.com
• NYTimes: She Ordered an Ashtray and Got a Can of Tuna
• Types of Health Insurance Plans
• Should You Ever Decline a Credit Limit Increase?
• How To Increase the Credit Limit on Your Credit 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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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 safe 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

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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

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

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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?

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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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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?

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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 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

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• Episode transcripts
• Community.Clark.com
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• 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

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• Episode transcripts
• Community.Clark.com
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• 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

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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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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

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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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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

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• Episode transcripts
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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!)

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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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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

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• Episode transcripts
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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

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• Episode transcripts
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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

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• Episode transcripts
• Community.Clark.com
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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?

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• Episode transcripts
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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
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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
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• 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

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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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

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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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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