The Clark Howard Podcast

The Season of Giving means donation requests coming from all sides. Clark helps you tell the legit charities from the crooks. Also, you may have noticed that affordable furniture often is not made to last these days. Some items are basically disposable. Get Clark’s take on how to find quality furniture for low prices.

• Wise Charitable Giving: Segment 1
• Ask Clark: Segment 2
• On Furniture: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How to make sure your donations count when weather disasters strike
• Clark.com How To Choose the Best Charities for Your Donations
• Clark.com - Car Rentals
• Best Investment Companies for Investors in 2023
• [The Washington Post] Why furniture got so bad
• How To Freeze Your Credit With Experian, Equifax and TransUnion

Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

Clark.com resources

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

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There’s an industry wide problem in the travel industry. Clark explains the danger you face when searching for travel deals online. Also today, Clark discusses how hospital systems drive up costs and how to save money on medical procedures.

• Bogus Travel Sites: Segment 1
• Ask Clark: Segment 2
• Save On Medical Procedures: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Hotel deals harder to find as third-party travel sites mirror each others' rates
• Is Amazon Prime Worth It?
• 12 Common Amazon Scams To Avoid
• Clark Deals - Today's Best Deals of the Day
• Are Your Hospital Outpatient Department Costs Too High? A Doctor's Office May Help
• How To Open a Roth IRA
• How Many Credit Cards Should I Have?

Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

Clark.com resources

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

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Clark explains what can happen when you use the same password on multiple websites. Also today - Reportedly timeshares are making a comeback among younger travelers. Clark drivers the truth about timeshares

• Password Safety: Segment 1
• Ask Clark: Segment 2
• Timeshares: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• [The Washington Post] Worried about the 23andMe hack? Here’s what you can do.
• Car Insurance Archives - Clark Howard
• Homeowners Insurance Archives - Clark Howard
• Target Date Funds: Clark's Favorite Retirement Investment
• How To Sell, Cancel or Get Rid of Your Timeshare
• Timeshares - Clark.com
• TRICARE Young Adult

Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

Clark.com resources

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

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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 reporting indicates that some credit unions are not behaving in the way that represents their members. Clark explains what you need to know about the superior choice for banking: credit unions. 

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

Mentioned on the show:

• Why You Should Never Mail a Check
• Top Travel Deals - Clark Howard
• Clark's National Travel Deals - Clark Howard
• How much does real estate agent experience matter? Here’s what the data says.
• Credit Unions Are Making Money Off People Living Paycheck to Paycheck
• Credit Union vs. Bank: What's the Difference?
• Virtual Credit Cards: An Online Security Measure Worth Taking?
• Elliott Report

Clark.com resources

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

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Fake sales are standard practice but especially abundant during the holiday season. Learn how promotional merchandise works to trick consumers into thinking they’re getting deals & how to tell a real bargain from a fake one. Also today - It’s a brutal housing market for would-be first time buyers. Renting & waiting is a viable alternative. Those needing to go ahead and buy now have more choice from new construction, and several avenues to explore to make a home purchase more affordable, including ARMs & ADUs.

• Retail Mind Games: Segment 1
• Ask Clark: Segment 2
• Home Buying Strategies: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Retailers are using a simple mind trick on you to make their discounts seem bigger than they are 
• Disney World and Disneyland raise prices for passes and tickets
• Google Play - Property Assistant by Flyreel
• The Real Reason Why Your Insurer May Not Renew Your Policy
• Axios:Charted: Homebuyers' call to ARMs
• Tiny Homes Are the Hot New Homeowners’ Accessory - WSJ
• How To Buy a House in 9 Steps / Is It Safe To Buy a Home Out of Foreclosure?
• Best 529 College Savings Plans By State
• Simple Interest vs. Compound Interest: The Main Differences
• How to Buy a Used Car in 7 Steps

Clark.com resources

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

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Finding a financial advisor who won’t rip you off is tricky business. Clark shares some new ways to find your true fiduciary. Also, get the update on Walmart’s innovative in-store healthcare facilities.

• Financial Advisors: Segment 1
• Ask Clark: Segment 2
• Walmart Health Centers: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Is a Financial Advisor and Do I Need One?
• Advice-Only Network  /  Flat Fee Advisors
• Should I Purchase Mortgage Life Insurance?
• What Is Mortgage Protection Insurance and Do You Need It?
• How To Buy Term Life Insurance in 7 Easy Steps
• Walmart expands online healthcare benefits for US employees
• Senior Care: Planning for the Future
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• How To Open a Roth IRA
• When Do You Need a Travel Agent?

Clark.com resources

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

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Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played. 

• What Super Savers Know: Segment 1
• Ask Clark: Segment 2
• Seeing Dark Patterns Online: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Here are the top sacrifices made by 'super savers'
• The Millionaire Next Door
• How To Open a Roth IRA
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How to Buy a Used Car in 7 Steps
• Why You Might Want To Dump Your Delta Credit Card Now
• Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation
• 7 Things To Know About the Venmo Credit Card

Clark.com resources

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

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Great news on junk fees, especially when buying concert tickets and booking travel online. New rules will simplify comparison shopping online. Also, AI has shown its potential to be very helpful in many ways. Unfortunately, it’s being used for more sinister purposes that you need to know about.  

• Junk Fee Transparency: Segment 1
• Ask Clark: Segment 2
• Beware AI Fakes: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• What you see is what you’ll pay: New law bans ‘junk’ fees on hotel bills, concert tickets, etc.
• ‘Spending Money to Get Nothing’: The Latest on Resort Fees
• Opt Out of T-Mobile’s Upcoming Plan Migration Using These Steps
• T-Mobile’s Forced Plan Migration: How To Opt Out
• Auto Europe® Car Rentals - Official Site
• Tom Hanks Warns of Dental Ad Using A.I. Version of Him
• [The Washington Post] AI voice clones mimic politicians and celebrities, reshaping reality
• What Is Umbrella Insurance and Do You Need It?
• What Are Index Funds?
• Ask Clark: What Is a Backdoor Roth IRA?

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about why Buy Now Pay Later, aka Pay in 4 services, have become a disaster for so many, especially Gen Zers. 

• Clark Stinks: Segments 1 & 2
• Pay In 4 Is A Trap: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Best Airline Credit Cards for 2023: Are They Right For You?
• Select Delta Customers Will Receive a Valuable New Credit Card Perk
• Cruises for Singles and Solo Travelers
• Investors criticize federal retirement savings program over new system
• AnnualCreditReport.com / 4 Ways To Get Your Free Credit Score
• Safely Order High Security Checks Online - Costco Checks
• Sam's Club Checks - High Security Checks
• Costco vs. Sam's Club: What Is the Difference?
• 10 Best New Products at Costco in October
• NYTimes: Gen Z Is Poised to Spend More on Debt Than Others. It Could Derail Retirement.  
• Buy Now Pay Later users: young and well-off but nearing a financial cliff, poll shows
• New York Fed: Many Buy Now, Pay Later users are financially fragile
• Vanguard Personal Advisor Review
• Elliott Report
• Member's Mark Luggage at Sam's Club

Clark.com resources

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

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Today Clark goes Back To Basic on auto insurance. Due to gigantic premium increases, more people are going without or buying minimums, which can be risky. Learn what coverage you’ve GOT to have, and how to make decisions regarding collision, comprehensive, and deductibles. Once you figure your coverage, you’re ready to shop insurers. Also, end of life discussions are not easy to initiate, but talks about your own or an aging loved one’s end-of-life care and burial arrangements - making wishes known - deeply benefit all concerned.

• Determine Your Auto Coverage: Segment 1
• Ask Clark: Segment 2
• End-Of-Life Talks: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• 10 Ways To Save Money on Car Insurance
• Collision vs Comprehensive Car Insurance: Which Do You Need?
• Liability vs. Full Coverage: Which Auto Insurance Do You Need?
• Bluebird AMEX Prepaid Debit Account Agreement
• International Travel Tips: 26 Things to Know Before Going Overseas
• Why You Should Keep Old Credit Card Accounts Open
• Stop putting off the end-of-life talk with your aging loved ones. Here's what to say
• What to Discuss With Your Aging Parents as They Get Older
• Living Will and Durable Power of Attorney: Frequently Asked Questions
• Wills & Funerals Archives - Clark Howard
• When Do You Need a Travel Agent?
• The Only Way You Should Pay for a Cruise
• Travel Insurance? What You Need To Know Before You Buy

Clark.com resources

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

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Do you use autopay for credit card bills? If so, Clark has a warning for you. Also, life is about change and that’s surely evident with jobs & career opportunity. Clark looks at the fastest growing jobs today, including college requirements and average pay. 

• Credit Card Autopay Warning: Segment 1
• Ask Clark: Segment 2
• Job Growth Fields: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Autopay Is Making Us Worse at Managing Credit-Card Bills - The Wall Street Journal.
• Automatic Bill Pay: How It Works and How To Do It Safely
• Clark Howard's Advice Before You Buy a Franchise
• Watch out for Avis/Budget Fuel charges [Crazy customer support call experience]
• Here are the best high-paying and fast-growing jobs for the next decade
• Healthcare.gov
• What Is an HSA Account and How Does It Work?
• How To Switch Banks in 4 Simple Steps

Clark.com resources

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

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Have you given up on guarding your data & privacy online? Help has arrived. Clark reviews a new app from Consumer Reports that works to delete or minimize your digital footprint, managing online privacy for you. Also in this episode, first hand observations on Uber vs. Lyft. 

• Privacy App- Permission Slip: Segment 1
• Ask Clark: Segment 2
• Uber Vs. Lyft: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• [The Washington Post] Overwhelmed trying to protect your privacy? A new app does it for you. 
• The Atlantic’s Guide to Privacy
• California Consumer Privacy Act (CCPA) / State Right to be Forgotten Policy
• Judge Delays CA Data Privacy Law to 2024, says Consumer Watchdog
• Callable Certificate of Deposit (CD): What it Means, How it Works
• Best CD Rates for October 2023 - Up to 5.67% - Bankrate
• Clark.com - Best High-Yield Online Savings Accounts
• Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases
• China price pressure offers hope of Christmas cheer for western shoppers
• 9 New Cell Phone Deals in October
• How to Buy a Used Car in 7 Steps

Clark.com resources

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

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It’s become easy for burglary rings to break into hotel rooms, but there’s also an easy way to protect yourself. Also today, updates on Amazon regarding federal allegations, the Amazon internet service launch, and what consumers need to know about both. 

• Hotel Room Break-Ins: Segment 1
• Ask Clark: Segment 2
• Amazon Updates: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Caution: Criminals in California Use Insider Device to Break Into Hotel Rooms - Here's How to Protect Yourself
• Vacatia - Rent A Timeshare
• Inside Project Nile: Amazon's secret AI-powered plan to change the way you shop online.
• The first two Amazon Kuiper satellites are set to launch on October 6
• Clark.com - Amazon
• Report: The #1 Internet Provider in America
• Going™ | Formerly Scott's Cheap Flights

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, many a tale of woe proves the point: It’s important to have beneficiaries up to date and to understand which takes precedence - a beneficiary designation or a will and trust.

• Clark Stinks: Segments 1 & 2
• Update Your Beneficiaries: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• AutoSlash Review: How To Save on a Rental Car
• How To Make Your Online Accounts Accessible When You Die
• What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled?
• Safe Browser Alternatives That Promise Not To Track You
• Wills & Funerals Archives - Clark Howard
• Wills versus Trust - Clark Howard Community
• Who Should Consider Setting Up a Trust?
• Best Online Will Maker: 5 Free or Cheap Options
• We Just Got Married. How Do We Blend Our Finances?
• What Is Long-Term Care Insurance Cost & Coverage
• Senior Care Archives - Clark Howard

Clark.com resources

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

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Scams persist, ubiquitous & unabated. So must our warnings!  Be hip to the latest ways crooks are trying to separate you from your money. Also in this episode - prenuptial agreements are more common these days. Why Clark has a hard time talking about them, and some of  the circumstances that warrant this legal arrangement. 

• Be SCAM Aware: Segment 1
• Ask Clark: Segment 2
• Prenups: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• NYT - You’ve Got (Scam) Mail
• Actors Impersonating Federal Agents Called Seniors. About 12% Handed Over Sensitive Info.
• How to avoid the No. 1 text message scam putting your money at risk
• 22 Ways To Save Money on Groceries
• Flexcar: Your flexible alternative to car ownership
• Axios: America embraces prenups: 50% of adults open to signing
• BBB - Amica Mutual Insurance Company
• Best Auto Insurance Companies and Some of the Worst: September 2023
• Someone got so fed up with GE fridge DRM – yes, fridge DRM – they made a whole website on how to bypass it

Clark.com resources

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

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Clark shares new work-from-home statistics and how that is shifting businesses. Also in this episode: When it comes to your investments, knowing what the fees are in the funds you choose is crucial. The fee difference can translate into huge money you could miss out on in retirement. So investors, Clark has an assignment for you! 

• Working From Home: Segment 1
• Ask Clark: Segment 2
• Index Fund Fees: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Axios Chart: Who works from home
• Even a Booming Economy Can’t Save Atlanta’s Office Market
• Workplace loneliness is the modern pandemic damaging lives and hurting businesses — The Conversation
• What Is Umbrella Insurance and Do You Need It?
• What Are Index Funds? / What Is an ETF?
• You Might Be Paying Too Much for That Index Fund - The Wall Street Journal.
• Why You Should Never Invest With a Bank
• 3 Places You Should Never Invest Your Money
• Best Investment Companies for Investors in 2023
• How To Open a Roth IRA
• Best Cash Back Credit Cards With No Annual Fee
• Best Small Business Credit Cards: Top Picks for 2023
• Should You Get a Business Credit Card? | When is it Worth it?
• What Should You Do About Phone Data on an International Trip?
• The Best Places To Buy Unlocked Phones
• The Best International Phone Plans
• International Travel Tips: 26 Things to Know Before Going Overseas

Clark.com resources

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

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When buying or selling a home, your choice of a real estate agent is much more important than you may think.  Also today, Clark has good news on the new car purchase front - but it’s a double message. Get the lay of the land on current cost considerations if you’re in the market for a new vehicle. 

• Choosing A Real Estate Agent: Segment 1
• Ask Clark: Segment 2
• Buying A New Car: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• How much does real estate agent experience matter? Here's what the data says.
• The Clark-Approved Way To Invest in Real Estate
• The Only Reason You Should Make an Improvement to Your Home
• Annual New Car Ownership Costs Boil Over $12K
• The Rising Costs of Owning a Car
• How much does it cost to raise a child? College may no longer be the biggest expense.
• Clark.com - How to Buy a New Car in 5 Steps
• Clark.com - How to Buy a Used Car in 7 Steps
• Costco Auto Program: Deep Discounts on Volvos and Audis
• Deep Discounts on New Mercedes Benz Cars
• Should I Keep My Old Car or Buy a New Car?
• Fidelity Personalized Planning & Advice Review
• Target Date Funds: Clark's Favorite Retirement Investment

Clark.com resources

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

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Today Clark puts interest rates in perspective, discussing where they’re headed and the impact of the national debt on rates.  Also today: The home reliability market for power. Utility scale batteries are providing more reliable, lower cost backup power. And batteries are paying a role for home interruptions as well. What to know about battery alternatives to diesel & whole house generators

• Interest Rate Assessment: Segment 1
• Ask Clark: Segment 2
• Home Battery Generators: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Once Unthinkable Bond Yields Now the New Normal for Markets
• 9 Best Free Checking Accounts in October 2023
• What Are Repositioning Cruises and Why Take One?
• Giant Batteries Helped the U.S. Power Grid Eke Through Summer
• Should I Rent My Roof To a Solar Panel Company for Income?
• Community Solar worth it? - Clark Howard Community
• Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels

Clark.com resources

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

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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, as a prolific energy producer, US prices tend to be lower than elsewhere in the world. Yet, here comes that high power bill. The good news is, there are several improvements you can make to reduce the amount of energy needed for heating & cooling. 

• Clark Stinks: Segments 1 & 2
• Lower Heating Bills: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Should You Buy an Extended Warranty on Your Car?
• Why We’re Pulling Our Recommendation of Wyze Security Cameras
• Clark Howard's 4 Travel Rules You Should Follow Right Now
• Should I Buy an AirTag for My Checked Airport Luggage?
• Big Change Announced for Fidelity® Rewards Visa Signature® Credit Card
• Is Medical Tourism Right for You?
• [The Washington Post] How to use window coverings to boost your home’s energy efficiency 
• 10 Ways To Lower Your Heating Bill   /   How To Save Money on Utilities
• Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels
• Best 529 College Savings Plans By State
• Where Should I Look for a Great Deal on a Cruise in 2023?
• When Do You Need a Travel Agent?

Clark.com resources

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

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It’s now easier than ever to monitor your credit reports for free, but there are a few pitfalls to be aware of. Also in this episode - Living in an HOA community is a choice about 1/4th of homeowners have made. Homeowners associations can be great, but can also pose problems. Believe it or not, you can lose your home to one if you’re not careful. 

• Free Credit Reports: Segment 1
• Ask Clark: Segment 2
• Homeowners Associations: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Credit Bureaus Announce Big Changes for Credit Reports
• How To Monitor Your Credit / Dispute an Error on Your Credit Report and Win
• 4 Ways To Get Your Free Credit Score
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• The Jello Exercise - YouTube
• Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society
• How Do I Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled?
• When the Homeowners Association Comes for Your Home
• Why You Need To Re-Shop Your Car Insurance Right Now
• What Is a Thrift Savings Plan?

Clark.com resources

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

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It’s a frustrating game - appealing a denied medical claim. They’re counting on you to give up. Don’t. Clark shares the best approach and strategies. Also, housing market conditions remain hostile for first time home buyers. Some sources say now is the time to buy. Clark offers a different opinion, and direction moving forward. 

• Health Insurance Claim Appeal: Segment 1
• Ask Clark: Segment 2
• First Time Home Buyers: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• I Set Out to Create a Simple Map for How to Appeal Your Insurance Denial. Instead, I Found a Mind-Boggling Labyrinth.
• What Should You Do if Your Insurance Claim Is Denied?
• Health Insurance Guide / Health Insurance Archives - Clark Howard
• 10 Ways To Save on Prescription Drugs
• 40% More Savings on Nearly 200 Medications at Walgreens with GoodRX
• A 3% Mortgage Rate in a 7% World? This Startup Says It Can Do That
• Best 529 College Savings Plans By State

Clark.com resources

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

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Out of the massive and ongoing losses of the pandemic, many people reassessed their lives and livelihoods. This reset has led to a wave of new businesses. Clark discusses how this is outstanding for the American economy, the hope and hazard of entrepreneurship - and the upstart scammers that startups must look out for. Also today, are you obsessed with your fitness devices? This can become a problem for some… including Clark. 

• Small Business: Pride & Peril: Segment 1
• Ask Clark: Segment 2
• Fitness Devices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• The Pandemic Small-Business Boom Is Fueling the US Economy
• Vetting a business or coaching opportunity before you buy in
• How To Find and Choose a Financial Advisor
• Your Fitbit and Apple Watch may wind up hurting you
• Yes, your smart TV is spying on you – Here's how to stop it
• Save $30 with a new Costco membership
• Homeowners Insurance Archives - Clark Howard
• California changes homeowner's insurance to repair the market

Clark.com resources

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

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October holiday shopping is Clark Smart this year. Clark surveys the retail landscape with money saving strategies involving bargain product categories. Early birds SAVE MORE!  Also today - how we pay for things continues to change. As the use of cash & checks fades into history, modern forms of payment are evolving into biometrics. Electronic methods often mean we lose track of our spending. Not cool. 

• Holiday Shopping: Segment 1
• Ask Clark: Segment 2
• E-Spend Control: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Factbox: U.S. retailers unveil hiring plans ahead of holiday shopping season
• Christmas is on hold: Stores’ holiday hiring plans are the lowest since 2008
• Amazon’s New Challenge: Bargain Retailers That Are Playing a Different Game
• Christmas shopping starts earlier every year – here's why, and how to shop smart — The Conversation
• Planning To Spend Less on Gifts This Holiday Season? Join The Club
• Clark Deals - Today's Best Deals of the Day
• Amazon.com faces an array of US consumer, state antitrust lawsuits
• Why You Might Want To Dump Your Delta Credit Card Now
• Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023
• Why Clark Howard Added This Credit Card to His Wallet in 2022
• Paper checks are dead. Cash is dying. Who still uses them?
• Airline consolidators  / The Complete Guide to Business Class Flights

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• Episode transcripts
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• 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.  Something else stinks - Medicare advantage plans! Clark explains the Medicare advantage plan trap in existence in most states. 

• Clark Stinks: Segments 1 & 2
• Medicare Dis-Advantage Plans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Google Fi Wireless Review: Things To Know Before You Sign Up
• Longevity Insurance: What Is It and Do You Need It?
• 2 Ways To Guarantee Yourself a Lifetime Stream of Income
• What Is an Annuity, and Why Does Clark Think They Stink?
• Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023
• Why Clark Howard Added This Credit Card to His Wallet in 2022
• Many Medicare Advantage Members Find Challenges With Plans, Survey Finds
• Why I Think Medicare Advantage Plans Stink - Clark Howard
• Here Are Your Home Warranty Horror Stories
• What Does a Home Warranty Cover, and Is It Worth The Money?
• Clark Howard's Guide to Saving Money on Your Wedding
• Free Audiobooks: 11 Places Online and Apps

Clark.com resources

• Episode transcripts
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Clark explains how the credit card reward game goes through cycles, and where we are now in terms of you applying for credit. And with interest rates high, if you do carry debt, know the best kind of card to use.  Also today - fees are creeping into everything! Get Clark’s warning about new online shopping fees you could easily miss.

• Credit Card Offers & Interest: Segment 1
• Ask Clark: Segment 2
• Junk Fees Are Morphing: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• 5 Ways Credit Union Credit Cards Can Beat Flashy Bank Offers
• Credit Card Offers Are Eroding
• The most insidious part of online shopping is about to get even worse
• Safe Browser Alternatives That Promise Not To Track You
• Brave: Secure, Fast, & Private Web Browser with Adblocker
• Get Firefox browser — Mozilla (US)  /  DuckDuckGo — Privacy, simplified.
• How To Freeze Your Credit With Experian, Equifax and TransUnion

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• Episode transcripts
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One of the best decisions you can make is to start saving for retirement early. Clark discusses the psychology behind saving. Also, pharmacy errors have become all too common and can cause great harm. Clark has an important tip to help make sure you’re getting the correct medication.  

• Get Psyched For Saving: Segment 1
• Ask Clark: Segment 2
• Pharmacy Errors: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• WSJ.com: The Secret to Saving for Retirement: Start Before You’re 20
• How Our Brains Affect Our Savings Habits -- and What Experts Say to Do About It
• If you start early and save this much a month you could have a decent retirement
• Bloomberg Industry Group: Benefits & Executive Compensation News: Retirement
• Savings Shortfall in US Will Cost $1.3 Trillion
• Cheapest Way to Rent a Car: Expert Tips
• Turo: 5 Things To Know About the Cheap Car Rental Service
• Pharmacies fight to keep errors secret
• How To Find and Choose a Financial Advisor
• What Is an Annuity, and Why Does Clark Think They Stink?

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• Episode transcripts
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September 26   Professor Clark: Credit Scores 101  /  Smart Borrowing For Small Business

Clark provides a 101 refresher on credit scores. Even if you don’t need to borrow, there are valid reasons to pay attention to your score. Hear about the variety of score models and how to keep your overall score healthy. Also, changes in the banking sector have made it hard for small businesses & entrepreneurs to obtain working capital. Clark shares the best approaches, from local banks and credit unions, to credit cards - plus a warning about fintech instant loans. 

• Credit Score Reset: Segment 1
• Ask Clark: Segment 2
• Small Business Cash Flow Needs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Why You Don't Need an 800 Credit Score  /  How To Monitor Your Credit
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• Credit Score Guide  /  4 Ways To Get Your Free Credit Score
• Credit Score Tips: Expert Helps Take Your Score From Good to Great
• Is Apple Card Worth It? 5 Things To Know in 2023
• Small-business owners say it’s hard to get a loan and fear more challenges ahead
• The Basics of Forming a Limited Liability Company (LLC)
• Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit
• Petal Card Review: A Good Option for First Credit Card?

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• Episode transcripts
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The vehicle market is going through a slow, steady healing process. Inventory is up. In light of the UAW strike, Clark discusses pricing for both new & used automobiles. Also today, Clark explains how Delta, United and American airlines actively devaluing their frequent flyer programs - is actually good for travel consumers.

• Vehicle Market Update: Segment 1
• Ask Clark: Segment 2
• Devalued Miles: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Buying a car? What the UAW strike means – and doesn’t mean – for auto sales
• Wall Street Bet Big on Used-Car Loans for Years. Now a Crisis May Be Looming.
• I Don’t Like My Car but I’d Be Upside Down if I Traded It In. Is There Anything I Can Do?
• 7 Cheapest Cities To Buy a Used Car
• How Do I Find a Mechanic To Inspect the Car if I Find a Used Vehicle Hundreds of Miles Away?
• Student Loan Payments Are Restarting: 4 Things To Know
• SAVE Repayment Plan Offers Lower Monthly Loan Payments
• 9 Ways To Pay for College Without Student Loans
• [The Washington Post] A golden era of airline status is ending
• Points Guy - Delta SkyMiles changes: Airline overhauls how you earn Medallion status in biggest change yet
• Why You Might Want To Dump Your Delta Credit Card Now (Clark.com)

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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 - your privacy online. Europe's Digital Service Act is changing the online experience. Many of us are ignoring new privacy reminders. Clark explains why we’re seeing these, and why you should respond.

• Clark Stinks: Segments 1 & 2
• Enhanced Online Privacy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• 8 Tips for Staying Cool Without Heating Up Your Energy Bill
• Travel Insurance? What You Need To Know Before You Buy
• InsureMyTrip Review: Why We Like It and How to Use It
• Apple Recycling Programs
• [The Washington Post] What the E.U.’s sweeping rules for Big Tech mean for your life online
• Privacy Archives - Clark Howard
• Who Should Consider Setting Up a Trust?
• Reasons To Consolidate Retirement Accounts

Clark.com resources

• Episode transcripts
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Clark.com provides in-depth coverage of cell phone plans, including pre-paid options. While the big 3 push higher bills at a time of marginal growth, 1 in 4 customers have gone to discounters. There are so many new cell phone plans out there - consider switching to save big bucks. Something else that can save  big money is to travel to a foreign country for dental care. This potential alternative is an important, individual, research based choice.

• Prepaid Phone Plans: Segment 1
• Ask Clark: Segment 2
• Dental Tourism: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need
• Why You Should Consider a Prepaid Phone Plan
• Fierce Wireless - AT&T launches new prepaid plan at Walmart, Target
• Cricket Wireless: New Multi-Month Unlimited Plans From $30/Month
• Cricket Wireless Review: 5 Things To Know Before You Sign Up
• Clark Howard's Guide to Saving Money on Your Wedding
• How a Tiny Mexican Border City Built a Budget Dental Empire - Bloomberg
• Clark.com - Is Medical Tourism Right for You?
• Best 529 College Savings Plans By State
• Families can make a tax-free rollover from 529 plans to Roth IRAs in 2024

Clark.com resources

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

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There’s a brewing war between food delivery services and restaurants and it’s costing customers. Clark discusses the big price difference between food delivery vs pickup or dining in, and the embedded cost of using food apps. Also, due to the unreliability of flight schedules, more people are driving to destinations they can reach in 8 hours or less. As an alternative, there are more discounted bus service options today to consider. A look at regional bus radial routes may save you money on travel

• Food Delivery Costs: Segment 1
• Ask Clark: Segment 2
• Bus Travel: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• WSJ: Who Should Eat the Cost of Pricier Delivery Menus?
• Food Delivery - DoorDash UberEats etc - Clark Howard Community
• What Is a Spousal IRA and What Are the Rules?
• 5 Things to Know About the Costco Car Rental Program
• Credit Card Car Rental Insurance: What You Need To Know
• Traveling by Bus Is No Longer a Plan B for Many Americans - The Wall Street Journal.
• Skiplagging: How it works and why the airlines can't stand it
• Amazon Clinic

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

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Thanks to the sheer magnitude of retail theft, until solutions are found, we’ll continue to see more items under lock & key in many retail stores.

Mentioned on the show

• Dollar Tree said theft is such a problem it will start locking up items or stop selling them altogether
• The Best International Phone Plans
• Google Fi Wireless Review: Things To Know Before You Sign Up
• Google Fi Wireless: Free Trial and New Plan Perks
• How To Freeze Your Credit With Experian, Equifax and TransUnion
• How Do You Decide if You Should Buy a Leased Vehicle When the Lease Ends?
• What Are Index Funds?
• Best Financial Advisors in 2023
• Wills & Funerals Archives - Clark Howard

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• Episode transcripts
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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

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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, the U.S. has the highest credit card processing merchant fees in the world - the system that feeds credit card rewards. Clark explains the industry battle surrounding the proposed Credit Card Competition act of 2023, which would allow free market competition for merchant processing. Learn what’s at stake and where Clark stands on getting U.S. fees aligned with the world standard.

• Clark Stinks: Segments 1 & 2
• The Credit Card Competition Act: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Home Equity Loan vs. HELOC: What's the Difference?
• Aven HELOC Card: 5 Things To Know About the Home Equity Credit Card
• Credit Card Car Rental Insurance: What You Need To Know
• Target Date Funds: Clark's Favorite Retirement Investment
• Equifax - Can Creditors Go After My Retirement Accounts?
• 3 Strategies for Building a Core Portfolio
• Should I Buy an AirTag for My Checked Airport Luggage?
• 4 Things To Know Before You Buy a Digital TV Antenna
• WSJ - Visa, Mastercard Prepare to Raise Credit-Card Fees
• Congress.gov - S.1838 - Credit Card Competition Act of 2023
• Clark.com -Are Credit Card Rewards Going Away?
• The Best Places To Buy Unlocked Phones
• 6 Things To Know Before You Buy Gas at Costco Wholesale
• TOP TIER™ Gasoline Brands

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• Episode transcripts
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Clark shares new information about the job market including what workers want most, and opportunity for over 50 workers. Also today, an uncertain economy has bred many finance stories about the cheapest places to live. But moving for financial reasons is a big decision with multiple factors to consider. How to figure out if you should move for money. 

• Employment Trends: Segment 1
• Ask Clark: Segment 2
• Financial Relocation: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Over 50? You’re a Hot Ticket in Today’s Labor Market
• What 89% of Workers Are Willing To Give Up Their Job For
• This Company Created a Return-to-Office Plan That Employees Actually Like
• What Is Deferred Compensation? - Investopedia
• Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023
• How Does Booking Travel Through a Credit Card Rewards Program Compare?
• Charging an EV? Get Cash Back from Your Credit Card
• Should You Move for Financial Reasons? What to Know
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• How to Sell Your Car in 5 Steps
• What's the Best Place To Sell a Car in 2023?

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• Episode transcripts
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Clark has an important warning about what to look out for when doing travel research online. Also in this episode, Clark discusses why this is the sweetest era to be an entrepreneur and how gig, contract & freelance work is reshaping the economy

• FAKE Travel Guides: Segment 1
• Ask Clark: Segment 2
• The Gig Work Effect: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• SOUTHWEST - Fall sale to high-tail it outta town.
• NYTimes.com: A New Frontier for Travel Scammers: A.I.-Generated Guidebooks
• Use this free tool to spot fake Amazon and Yelp reviews
• Going™ | Formerly Scott's Cheap Flights / KAYAK Explore
• Priceline - Find Cheap Hotel Rooms & Discount Hotels
• Top Travel Deals - Clark Howard / Clark Deals - TRAVEL
• How To Find Cheap Flights in 3 Easy Steps
• The rise of gig workers is changing the face of the US economy
• How To Save Money on Gas: 23 Ways
• 7 Money Mistakes You Might Be Making at the Gas Station
• T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
• Verizon Home Internet: Things To Know Before You Sign Up
• Why Clark Howard Wants You to Set Up a 'Financial Chromebook'

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• Episode transcripts
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As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust. 

• Is An HSA Right For You? Segment 1
• Ask Clark: Segment 2
• Beware Private Placement Investing: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• WSJ - The Healthcare Plan Most People Should Buy—and Why They Don’t
• WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts
• What Is an HSA Account and How Does It Work?
• Raisin Review: Can You Trust This Online Savings Marketplace?
• Price Drop on Used Electric Cars: Is Now the Time To Buy?
• Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal.
• Should You Buy an Extended Warranty on Your Car?

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• Episode transcripts
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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

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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, Clark explains the Pharmacy Benefit Manger (PBM) trade off on prices for generics vs brand names & how you can save more. Plus great news for consumers on the prescription cost front, thanks to a recent move by a major insurer. 

• Clark Stinks: Segments 1 & 2
• Rx Progress: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Why You Should Never Prepay for a Rental Car
• Cheapest Way to Rent a Car: Expert Tips
• CDC - Cost of Rabies Prevention
• Travel Insurance? What You Need To Know Before You Buy
• How To Save Money With Google Flights
• A Big Health Insurer Is Ripping Up the Playbook on Drug Pricing - WSJ
• Will Mark Cuban's Prescription Company Really Save You Money?
• Why You Should Always Ask Your Pharmacist the Price of Your Prescription Without Insurance
• 5 of Clark Howard's Most Extreme Frugal Hacks

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• Episode transcripts
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It’s time to think about holiday travel plans and Clark has some guidance on the best time and way to book flights. Also today, surprise medical bills persist and massive, inaccurate hospital bills remain the main culprit. Clark offers strategies for both the insured and uninsured facing hospital costs. 

• Holiday Air Travel: Segment 1
• Ask Clark: Segment 2
• Hospital Bills: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Google Says This Is the Best Time to Book Cheap Holiday Flights
• The Best Time To Book Holiday Travel in 2023
• Follow Clark Howard's #1 Rule To Travel Cheap
• How To Plan a Trip: Clark's Best Travel Tips To Save Money
• How To Find Cheap Flights in 3 Easy Steps
• Cheapest Way to Rent a Car: Expert Tips
• Inaccurate Medical Billing Creates Problems for Older Adults
• Medical Facilities Far From Hospitals Are Charging Hospital Rates As ‘Satellites.’ What Gives?
• How To Find a Trustworthy Mechanic
• Trustpilot Review: Is Trustpilot Legit?
• How to find the best auto repair shops

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• Episode transcripts
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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

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• Episode transcripts
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Car thieves are going high-tech to get around anti-theft technology. Clark explains 2 simple ways to protect your vehicle, including inexpensive, widely available car key RFID signal blockers.  Also today, an important privacy warning for Venmo users and a key NEVER NEVER NOT EVER rule for using pay apps.

• Car Theft Protection: Segment 1
• Ask Clark: Segment 2
• Venmo Privacy Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• To steal today's computerized cars, thieves go high-tech — The Conversation
• Clark.com – Best High-Yield Online Savings Accounts
• NYTimes: This Is a Reminder That You’re Probably Oversharing on Venmo
• Do you use payment apps like Venmo, CashApp, or Zelle? Read this
• U.S. Senators Urge Regulators to Hold Zelle Accountable for Inadequate Protections to Stop Fraudulently Induced Payments
• How To Make Your Venmo Transactions Private
• T-Mobile: Credit Card Payments No Longer Include AutoPay Discounts
• Overdraft Protection: What Is It? Do You Really Need It?
• 9 Things on Deep Discount in September  /  Clark Deals

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• Episode transcripts
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Happy Labor Day Weekend! Please enjoy this Best Of episode. Clark returns Tuesday September 5

The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much, if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day. 

• The No Surprises Act & Your Rights: Segment 1
• Ask Clark: Segment 2
• Your Rainy Day Fund: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite
• Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022
• Understand your rights against surprise medical bills - CMS
• Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors?
• Bankrate's Annual Emergency Fund Report | Bankrate
• Emergency Fund: Everything You Need to Know
• Fidelity Investments Review 2022: Pros & Cons
• Money market funds - Fidelity Investments
• The Monte Carlo Simulation: Understanding the Basics

Clark.com resources

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

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Reviews can help you make decisions on all kinds of purchases, from merchandise to services and travel. But how can you trust them? Clark offers some insights & guidance. Also today, unusual factors in the diamond market are affecting the price of traditional and lab diamonds. 

• Insights On Reading Reviews: Segment 1
• Ask Clark: Segment 2
• Diamond Prices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• WSJ: Customer Ratings Have Become Meaningless. ‘People Hand Out 5 Stars Like It’s Candy.’
• Trustpilot Review: Is Trustpilot Legit?
• Coverdell Education Savings Account (ESA): How They Work
• Best 529 College Savings Plans By State
• Vanguard Personal Advisor Review
• Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
• The #1 Thing Clark Howard Hates About Solar Panels
• Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels
• Getting Engaged Just Got Cheaper as Diamond Market Adjusts
• The Best Time and Place To Buy an Engagement Ring
• How To Build Credit  / Credit Karma Review
• How to Report Your Rent to Credit Bureaus
• The Best Time and Place To Buy a TV  / ClarkDeals - TVs
• 4 Things to Know Before You Buy a TV From Costco

Clark.com resources

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

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Even as summer winds down, people are still looking for great airfare deals. There’s a new resource from Going that may help. Plus, the story of one Mom’s mission to find her daughter’s lost luggage speaks to a travel NEVER NEVER rule Clark has long held. Also today - Auto insurance rates are going way up due to various market pressures. Clark discusses why dash cams are essential, and what you can expect to pay for one. 

• Air Travel: Savings & Strategy: Segment 1
• Ask Clark: Segment 2
• Dash Cams: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Price Drop: Domestic Fares Are Getting Cheaper
• The Best and Worst US Airports for Cheap Domestic Flights
• The Best and Worst US Airports for Cheap International Flights
• Airlines slash domestic flight prices as demand dwindles, overseas travel surges
• Follow Clark Howard's #1 Rule To Travel Cheap
• How To Plan a Trip: Clark's Best Travel Tips To Save Money
• Should I Buy an AirTag for My Checked Airport Luggage?
• Travel Archives - Clark Howard / Travel - Clark Deals
• Dash cam sales rising fast due to safety-conscious drivers
• 3 Reasons to Buy a Dashboard Camera for Your Car—and 4 Reasons Not To - WSJ
• Clark - everyone should have a dash cam - Clark Howard Community
• Should You Buy an Extended Warranty on Your Car?
• Should You Respond to Class-Action Lawsuits?

Clark.com resources

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

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Football season is upon us and sports betting is growing in popularity. Clark describes how the nature of sports gambling has changed and pitfalls to be aware of. Also in this episode, there’s currently a horrible scam that is exploiting grief to rip off those who have just lost a loved one. Clark describes how this works so you and your loved ones stay in the know. 

• Sports Betting: Segment 1
• Ask Clark: Segment 2
• Funeral Home Scam: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• The Dark side of sports betting
• DraftKings and Other Sports Gambling Apps Are Hitting the Jackpot With ‘Parlay’ Bets. As They Win, You Lose.
• How To Get a Gym Membership for Practically Free
• Supplement and Vitamin Certification | NSF / USP Verification Services
• Alert: Funeral Home Scam Targets Grieving Families
• ‘Despicable’ funeral home scam preys on grieving family members
• Snopes - 'Shark Tank' Keto Gummies Weight Loss Reviews Are a Scam
• Is Pet Insurance Worth It? What You Need To Know Before You Buy
• 4 Things To Know Before You Buy a Digital TV Antenna
• Minimum Internet Speed Requirements for Streaming TV Services

Clark.com resources

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

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Rampant scams are now a global scourge, many now employing a tactic known as “pig butchering”. Clark shares a real life example and what you need to know.  Also in this episode -Shocking new data reveals that most Americans are not on track for retirement. Our aspirations for early retirement  don’t match up to how much is being saved for the future. Know how you can get on track for a more secure retirement. 

• “Pig Butchering” Scams Increasing: Segment 1
• Ask Clark: Segment 2
• Retirement Shortfalls: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Out almost $80,000? Don't get scammed
• NYPost : Newly divorced mom scammed of entire $100,000 401k savings in Tinder ‘pig butchering’ scheme
• Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
• Home Equity Loans & Lines of Credit: 7 Common Questions Answered
• Start saving now, and you could have this much for retirement
• Retirement savings shortfall in America
• Clark.com - Saving For Retirement   /   How To Open a Roth IRA
• Target Date Funds: Clark's Favorite Retirement Investment
• Best Investment Companies for Investors in 2023
• Pension Benefit Information Notifies TIAA of MOVEit Data Breach Affecting Over 2.6 Million
• How To Freeze Your Credit With Experian, Equifax and TransUnion
• Capital One Venture Rewards Credit Card: Travel Credit Card Review
• Best Travel Credit Cards: Top Rewards Picks for 2023

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, a back to basics primer on Clark’s favorite method of investing: dollar-cost averaging, the popular, yet controversial set-it-and-forget-it way to invest.

• Clark Stinks: Segments 1 & 2
• Dollar-Cost Averaging: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• How To Pack a Carry-On the Right Way
• LA Times - Most-downloaded app in App Store sells products linked to forced labor in China, analysis shows
• Cheapest Way to Rent a Car: Expert Tips
• Dollar-Cost Averaging: How Does DCA Work, And Should You Do It?
• Clark.com - Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
• Consumer Reports - Best Dishwashers of 2023
• Should You Buy a Car With a Salvage Title?
• How to Buy a Used Car in 7 Steps

Clark.com resources

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

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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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Have you experienced “the bum’s rush” feeling at a restaurant giving you a time limit on your table? This is a trend Clark has experienced and it seems to sacrifice hospitality for time management. Necessary? Also today - Amazon is trying to fix its problems with grocery sales, streamlining the process. 

• Restaurant Time Limits: Segment 1
• Ask Clark: Segment 2
• Amazon’s Grocery Overhaul: Segment 3
• Ask Clark: Segment 4

Mentioned on the show

• Are time limits at restaurants a reasonable new trend or inhospitable experience? | USA TODAY
• How To Open a Roth IRA
• Target Date Funds: Clark's Favorite Retirement Investment
• 14 of the Best High-Yield Online Savings Accounts in August 2023
• What Is an eSIM? 5 Things To Know
• The Best International Phone Plans
• Free Audiobooks: 11 Places Online and Apps / Amazon First Reads
• Amazon Unveils Biggest Grocery Overhaul Since Buying Whole Foods
• Can a Patient Advocate Help With Your Medical Bills?
• How To Get a Free Credit Report / How To Monitor Your Credit
• 4 Ways To Get Your Free Credit Score

Clark.com resources

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

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