The Clark Howard Podcast

Labor shortages are so pervasive, it will take innovation and automation to fill the gaps. Clark talks about life in a time of worker shortages, the future outlook and solutions. Plus, in the wake of the FIRE movement, Clark gets to the core of FI - financial independence, vs RE - retire early. and offers an important compromise that may serve you well. 

• Labor Shortage Outlook: Segment 1
• Ask Clark: Segment 2
• Early Retirement Compromise: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Best Uses for Your Old Cell Phone
• Treasury Direct - How to track down lost savings bonds
• How To Open a Roth IRA

Clark.com resources

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

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Severe weather can cause lengthy power outages. Clark discusses solar with backup battery power and generator use. Also, Amazon is not the bargain they used to be and is raising the cost of Prime. 2 other options for inflation weary, price conscious consumers.

• Solar Backup & Home Generators: Segment 1
• Ask Clark: Segment 2
• Amazon Prime Vs Walmart+: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Generator buying guide: What you need to know
• The Walmart+ Membership Program - 19 Ways To Save at Walmart
• How Many Credit Cards Should I Have?
• Target RedCard Credit Card Review: Earn 5% Back on Purchases

Clark.com resources

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

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Clark discusses some possible economic implications around the stock market and gas prices, as the invasion of Ukraine unfolds. Also, the AT&T 3G network shutdown has occurred with Verizon & T-Mobile to follow. Learn what services are affected and what you can do. Plus, Apple, Amazon & Google have a new standard that allows devices to communicate automatically with each other, even when from different providers. Get the good news in tech rolling out this year. 

• The Ukraine Invasion: Economic Effect: Segment 1
• Ask Clark: Segment 2
• The 3G Shutdown & A New Tech Connect Standard: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Huge Tax Bills That Came Out of Nowhere at Vanguard
• Lessons From Vanguard Target-Date’s Capital Gains Surprise
• What Is Synthetic ID Fraud? - Experian
• How to Sign Up for Credit Karma's Free Monitoring Service
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• 9 Ways To Pay for College Without Student Loans

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Meanwhile, Covid fatigue is peaking and people are getting out more. Lots of things that didn’t happen over the last 2 years are coming back, Hear specific recommendations for booking summer travel, and wedding planning. 

• Clark Stinks: Segments 1 & 2
• Summer Travel & Wedding Planning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Top 5 Benefits of Community College
• Public Service Loan Forgiveness Program: An Overview | SoFi
• Why You Do Not Want To Get a Big Tax Refund Check
• The Best Places To Buy Eyeglasses
• Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? - Clark Deals - BJ’s
• Outdoorsy: Trusted RV rental marketplace
• How to book travel on Priceline

Clark.com resources

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

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5 years later, the Equifax class action settlement over the massive 2017 breach - is finalized. Many are receiving claim notifications. Clark explains what this means for you. Later, great news on the cell phone front. How about free calling and texting? Clark shares industry trends involving phone contracts and a couple of great new offers.

• The Equifax Data Breach Settlement: Segment 1
• Ask Clark: Segment 2
• Great New Cell Plan Options: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• TextNow: Get FREE unlimited talk & text with 99-cent SIM card
• New ATT Plan only at Walmart $45 per mo unlimited everything
• Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money
• Senior Citizens Can Go to College for Free or Cheap in All 50 States

Clark.com resources

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

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The No Surprises Act for medical billing includes a bonus benefit most don’t know about, and it can help you save big on medical procedures. Also, great news about a new digital checking account - fee free with reward points, and more. Online Banking Archives - Clark Howard / How to Switch Banks in 4 Simple Steps. 

• No Surprises: A New Medical Benefit: Segment 1
• Ask Clark: Segment 2
• New Rewards Checking: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
• Best 529 College Savings Plans By State
• What Is an HSA Account and How Does It Work?
• That $1,000 Bourbon You Bought May Be a Phony
• IRS Free File: Free State and Federal Tax Filing Options for 2022
• How To Open a Roth IRA

Clark.com resources

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

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The story on gas prices - pandemic to now - explains where we are and where prices at the pump are going. There IS a bright spot on the energy front. Also, there’s been an increase in automotive fatalities in the U.S. This, along with the car shortage, is impacting auto insurers, increasing their costs. Brace for your policy renewal and use Clark’s recommended strategy. 

• Update: Gas Prices: Segment 1
• Ask Clark: Segment 2
• Sticker Shock: Auto Insurance Recommendation: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 5 Things To Know About Series I Savings Bonds
• Best 529 College Savings Plans By State
• What Is a Credit Union?
• To sell antique items, seek out local estate sale businesses / Ebay
• How To Spot, Avoid, and Report Fake Check Scams | FTC
• How To Choose the Best Charities for Your Donations

Clark.com resources

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

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Great saving strategies to build financial independence. Step 1: Defining your goals. Also, home title fraud is a devastating crime. Learn which homes are most at risk and how to protect your property. 

• Saving Strategies for Financial Independence: Segment 1
• Ask Clark: Segment 2
• Home Title Protection: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How to Freeze Your Credit With Experian, Equifax and TransUnion
• 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul
• Stripe: Online payment processing for internet businesses
• Clark Howard's Important Advice on Funeral Planning
• Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there have been many stories of Apple AirTags being exploited by criminals for stalking and car theft. Now comes a great story of someone using an AirTag to STOP criminals.

• Clark Stinks: Segments 1 & 2
• Ask Clark: Segment 2
• Apple AirTags Revisited: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

How to Buy Term Life Insurance in 7 Easy Steps

• How To Find a Good Moving Company
• How To Find and Choose a Financial Advisor
• EvaluateLifeInsurance.org
• 5 Sneaky Ways To Improve Your Credit Score
• If a medical practice requires a credit card on file, use a fee-free stored value Visa or MC

Clark.com resources

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

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The Citi Double Cash card was simple and intensely popular. But recent changes have created confusion. You now have Thank You points - Do you still get 2% cash back? Clark explains. Also, Clark on the Frontier / Spirit discount airline merger, schedule reliability and needed consumer protections for U.S. flyers.

• Citi Double Cash Visa Changes Explained: Segment 1
• Ask Clark: Segment 2
• The Frontier / Spirit Airlines Merger: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases
• Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
• Costco vs. Sam's Club Credit Cards Comparison: Which Is Better?
• How To Prevent, Report and Repair Identity Theft
• How to post a hotel review online without getting any blowback

Clark.com resources

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

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Mark Cuban’s direct to consumer drug manufacturing company is up and running. Clark contrasts Cuban’s CostPlusDrugs and Costco pricing, to chain pharmacy pricing methods, revealing a clear way to SAVE. Also, Americans are getting seriously ripped off on auto loans. 80% of vehicle buyers purchase the wrong way - 8 million are delinquent - 46% are upside down in their loan. 2 Clark rules to live by when financing a vehicle. 

• Mark Cuban’s New Rx Savings: Segment 1
• Ask Clark: Segment 2
• AUTO LOANS: 2 Clark Rules: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Your Guide to DIY Home Security Systems
• GetUpside Review: 6 Things To Know Before You Sign Up
• Are You Following Clark's Maximum Auto Loan Length Rule?
• How to Buy a Used Car in 7 Steps
• Is LifeLock Worth the Cost?

Clark.com resources

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

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As part of the evolution of evaluating credit risk, for those with no credit report Experian has a way to set up your own. Clark smart credit advice. Plus - The cruise industry is in absolute turmoil. Clark updates both the hazard, and opportunity. 

• Create Your Own Credit File: Sement 1
• Ask Clark: Segment 2
• Cruise Update: Hazard & Opportunity: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Petal Card Review: A Good Option for First Credit Card?
• Experian Boost Review: How 3 Bills Helped Raise My Credit Score …
• How To Build Credit  
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• Top Travel Deals - Clark Howard  -  GoogleFlights
• How To Use InsureMyTrip To Buy Travel Insurance

Clark.com resources

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

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Stocks are going through a cyclical decline and investors are nervous. Whether nearing retirement or younger, you can be positioned emotionally and financially to weather a down cycle. Also - Planning ahead for Valentine’s Day can help you save. Clark smart tips on Valentine’s gifts, and a warning about romance scams. 

• STOCK MARKET: Ride the Decline Fortified: Segment 1
• Ask Clark: Segment 2
• Valentines Day Planning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Using the Price-to-Earnings Ratio and PEG to Assess a Stock
• Dollar Cost Averaging Makes You a Fortune Over Time
• What Is a Roth 401(k) and How Does It Work?
• Walmart Unveils New Walmart+ Membership Program
• How To Opt Out of Verizon’s New Data Collection Policy
• Bark: Parental Control App for iPhone, Android, & Amazon Fire

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - A 2022 tax year heads up for those who receive income via a pay app. What small businesses need to know about pay app income and the IRS. Major Tax-Reporting Change for Users of Venmo, PayPal and Others

• Clark Stinks: Segments 1 & 2
• New Tax Rule for Small Business: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Know your (new) rights under the No Surprises Act…
• What the No Surprises Act means for your medical bills
• AAA Membership: Is It Worth It?
• UNI One Toll Pass
• How To Open a Roth IRA
• 7 Best Ways to Save for Retirement in Your 50s
• How to Reach Customer Service at Cash App, Zelle and PayPal

Clark.com resources

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

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Clark shares how & where he saves money, teaching you to crack the price label codes at warehouse clubs - Priceless! Also, What memberships & subscriptions are lurking and are you using them? Use Clark’s way to find out. $5 a month for nothing is $60 a year! Clark helps you get it back! 

• Clark Howard - Deal Hunter - Spills Trade Secrets: Segment 1
• Ask Clark: Segment 2
• Clark Smart Assignment: Restore Vanishing Money: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Costco Best Deals    Sam’s Club Deals     Best of Aldi’s middle aisle
• Meet the Proud Shoppers of Aldi’s ‘Aisle of Shame’
• These Credit Cards Offer Car Rental Insurance Benefits
• BOXABL CASITA – Accesory Dwelling Unit
• 50 Companies with Amazing Tuition Reimbursement Programs
• Best 529 College Savings Plans By State

Clark.com resources

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

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Hiring a contractor is a big challenge. Angie's List - now Angi - is undertaking a new business model seeking to be a trusted resource. Clark takes a first look and discusses vetting services. Also, Clark examines the current problem of organized theft rings throughout the country, how they affect consumers, and how retailers are reorienting stores and security.

• The New Angie’s List: Segment 1
• Ask Clark: Segment 2
• Retail & the Organized Theft Problem: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why You Do Not Want To Get a Big Tax Refund Check
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• Chime Review: Pros & Cons of the Bank Challenger
• Best 529 College Savings Plans By State

Clark.com resources

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

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The future is almost here. Today, big players are perfecting electric flying taxis. Clark discusses the market adoption and possible uses of electronic aircraft. Also, at a time of rising prices, store brands - aka private labels - have new strength in the marketplace, key for your wallet. Clark conveys the quality of various house brands and how much you can save.

• Electronic Aircraft an Imminent Game Changer: Segment 1
• Ask Clark: Segment 2
• Beating Inflation in the Supermarket: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Here's How Easy DIY Pest Control Can Be
• Autotrader: Used and New Car Sales, Review
• Oura Ring - Buy used as a test drive - Clark Howard’s Oura Wedding Band
• The Best Time and Place To Buy a TV

 Clark.com resources

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

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Americans are spending more than ever on eyeglasses. Clark discusses the industry cartel at work & multiple ways you can save, and has a warning about employee vision coverage. Also, promising news about how our food is grown in the U.S. The concept of growing produce in a factory goes back a generation. But indoor vertical farming is starting to boom and the benefits are many.

• Don’t Get Taken on Eyeglasses: Segment 1
• Ask Clark: Segment 2
• Here’s to Vertical Farming: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Roth vs. Traditional 401(k): What’s the Difference?
• MaxMyInterest vs. CDARS
• 7 Free Federal and State Tax Filing Services for 2022

 Clark.com resources

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

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It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Airport self-screening is becoming a reality. TSA screening is a tough job - crying out for modern AI tech as long employed overseas. The Dept. of Homeland Security has initiated the development of TSA PreCheck self-screening. Clark describes the benefits this will bring, and shares a Global Entry expiration warning.

• Clark Stinks: Segments 1 & 2
• Airport Self-Screening: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Global Entry Travelers Now Have a 24-Month Renewal Grace Period
• Why You Should Be Careful About Lending Money to Family and Friends
• What Is a Mutual Fund?
• Fidelity Investments Review 2021: Pros & Cons

Clark.com resources

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

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Clark explains how virtual credit card numbers work to protect you while shopping online. Check to see if any of your cards offer the virtual number service, and make it your online card. Also, solar roof tech has progressed, offering greater efficiency and lower cost. A new development from GAF Energy brings self-powering our homes closer within reach.

• Virtual Credit Card Protection: Segment 1
• Ask Clark: Segment 2
• Solar Shingle Innovation: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Navy Federal Ups the Rewards on Its Popular Cash Back Credit Card
• Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
• Why Clark Howard Is So Excited About His Wedding Band
• Solar | Department of Energy -  State Renewable Energy Resources | US EPA
• The #1 Thing Clark Howard Hates About Solar Panels
• Should You Buy an Extended Warranty on Your Car?

Clark.com resources

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

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Netflix just went up and price increases overall for streaming services continue due to original programming production costs. Clark has a few ways to help you streamline your streaming. Also, vehicle news including the $20K Ford Maverick, help for the blinding headlights problem, and Toyota’s refurbishing program - brilliant!

• Streaming Services Price Creep: Segment 1
• Ask Clark: Segment 2
• Vehicles: 3 Great Developments: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Ford Shuts Off Orders for New $20,000 Maverick Pickup - The Wall Street Journal.
• Live TV Streaming Channel Tool
• Netflix Announces Price Hike for 2022 Subscriptions
• 19 Ways To Save at Walmart
• The Best Ways To Protect Yourself Against Airline Cancellations

Clark.com resources

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

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Clark describes retiree regret when resettling in vacation spots. How to avoid costly moves using Clark’s “training wheels” strategy. Plus, a look at rent or buy decision factors in today’s market. And - Many retailers & restaurants have shorter store hours & empty shelves - Clark relates what’s happening now and what’s to come. In addition, hear how corporate public relations can further botch serious corporate mistakes - case in point: Hertz.

• Home Ownership vs. Renting: Segment 1
• Ask Clark: Segment 2
• Restaurants & Retail: Limited Hours & Merchandise: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Non-Owner Car Insurance: A Complete Guide - NerdWallet
• Truebill Review: 4 Things to Know Before Signing Up
• Clark's Graveyard - SunRocket Internet Phone Service – Died July 2007
• IRS using identity verification: ID.ME
• State unemployment claim problems: Seek help from state representative. 

Clark.com resources

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

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Right now opportunities & incentives are plentiful in many sectors because of worker shortages. The military is employing retention incentives, and new recruit bonuses topping out at $50K, which may be a worthy path for some. Also, Clark reviews the pandemic effect on energy, where we are now with home energy and gas prices - and where the U.S. is headed as an energy producer. 

• Military Bonuses: Segment 1
• Ask Clark: Segment 2
• Good News on the Energy Front: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Is a Costco Executive Membership Worth It?
• Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best?
• Mortgage Refinance Calculator - Clark Howard
• Mortgage Points Calculator - Clark Howard
• Mortgages Archives - Clark Howard
• Homeowners Insurance Archives - Clark Howard

Clark.com resources

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

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It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark shares news about a huge shift happening in the way cars are sold. Carmax, Carvana & Vroom have changed the game in favor of consumers, and manufacturers are duking it out with anti-competitive dealerships. A new program from GM tells the tale.

1. Clark Answers His Critics on Clark Stinks
2. Dealerships Vs. the Free Market Sale of Vehicles
3. Ask Clark

Mentioned on the show:

• What Is a Secured Credit Card and How Does It Work?
• Alliant Visa Signature Card: 2.5% Cash Back - ALLIANT
• Clark Howard and the Prostate Cancer Foundation
• How to Save Money on Car Insurance
• 9 Easy Ways To Lower Your Home Insurance Premiums

Clark.com resources

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

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Clark outlines several factors that lead to one conclusion: Women need to save more of their paycheck for retirement than men. Also, the banks are desperately handing out credit cards like candy now. Clark relates different scenarios based on your credit, and conveys what is core & key to keeping your credit healthy with credit card use.

• Special Retirement Advice For Women: Segment 1
• Ask Clark: Segment 2 
• Warning: Banks Pushing Credit Card Offers: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Social Security: Ex-Spouse Benefits And How They Affect You
• New and Used Car Reviews and Ratings - Consumer Reports
• How to Buy a Used Car in 7 Steps

Clark.com resources

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

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Inaccuracy of credit reports is a longstanding problem. More than half of all complaints to the CFPB were about the credit bureaus, who see us as mere data points, not customers. Clark on how the system functions and how to protect your credit. Clark also describes Walmart’s new “InHome” delivery service compared to the Walmart+ option, vs Amazon initiatives. Generally Walmart is 20% cheaper on groceries so this may be viable for some consumers.  

•  Credit Report Errors: Segment 1
• Ask Clark: Segment 2
• Walmart Vs. Amazon - Grocery Delivery: Segment 3
• Ask Clark: Segment 4

Mentioned on the show: 

• How To Monitor Your Credit
• Virtual Credit Cards: An Online Security Measure Worth Taking?
• Should You Buy an Extended Warranty on Your Car?
• uShip
• Buying a diamond online: Have an unconditional right to return
• 7 Places to Get the Best Deals on Lab-Created Diamonds
• Hampton woman loses $200 after buying already-activated gift card
• Submit a complaint | Consumer Financial Protection Bureau

Clark.com resources

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

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Pandemic cruise scenarios call for a backup plan. Clark explains what can happen with cruises and with lodging cancellation policies. In this era of travel uncertainty, learn the KEY to travel planning. Also, as shipping delays persist, many customers are out their deposit money indefinitely for no show furniture & appliances. Retailer bankruptcy adds more difficulty. Clark suggests an alternative. 

• Travel Warnings: Segment 1
• Ask Clark: Segment 2
• Furniture orders & deposits in limbo: Segment 3
• Ask Clark: Segment 4

Mentioned on the show: 

• How To Use InsureMyTrip To Buy Travel Insurance
• The #1 Type of Travel Insurance You Probably Need Right Now
• There’s a new tax rule for US small business owners. What to make of it?
• What Is a Credit Union?
• How To Find a Good Moving Company

Clark.com resources

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

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

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It’s Friday! Clark Stinks day -Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this tax year will be a bit different for 2021 filings, with a special warning from the IRS. Clark shares a smart tax refund strategy, plus the outlook on inflation. 

• Clark Stinks: Segments 1 & 2
• Tax Season Strategy & Inflation: Segment 3
• Ask Clark: Segment 4

Mentioned on the show: 

• Barrons.com: IRS Warns Backlogs Could Cause Delayed Tax Refunds
• Treasury warns of ‘enormous challenges’ this tax filing season that could delay refunds
• U.S. natgas output to rise, demand to ease in 2022 -EIA
• When Are Taxes Due? Important Tax Dates in 2022 
• 7 Free Federal and State Tax Filing Services for 2022 
• When Should You Get an Accountant To Do Your Taxes? 
• Money Challenge: How To Save $2,022 in 2022 
• Hearing Aids 
• A closer look at why heat pumps are dominating EV HVAC systems
• These Credit Cards Offer Car Rental Insurance Benefits

Clark.com resources

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

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Verizon trades in customer data - apps, browsing etc. to sell for profit. Clark breaks down the opt-out, and suggests a cheaper way to be on Verizon’s network. // Now is the worst time to buy a car since 1946. Clark shares his best advice and the vehicle market outlook. 

Ask Clark topics include: How to avoid becoming the victim of credit card fraud / Why Some Stores Don’t Take Credit Cards / Ask Clark: Should I get a prepaid maintenance plan on a new car? \\

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Free Advice: Clark's Consumer Action Center

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More companies are offering the Roth 401(k). What you need to know about this retirement savings option. // Crooks are using Apple AirTags to track people and cars. There IS a solid way to protect yourself…

Ask Clark topics include: Required Minimum Distributions: How To Calculate, Rules / How To Open a Roth IRA / AAA Membership: Is It Worth It? \\

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We remain in short supply of housing units, both apartments and single family homes, while housing costs continue to rise. Clark discusses how we got here and the affordable solutions out there, in need of wider adoption. // Clark explains having life insurance from work vs buying your own policy, plus direction on shopping and purchasing life insurance to protect your family.

Ask Clark topics include: Is your institution 529 eligible? / What Is a Good Credit Score? / Travel Archives - Clark Howard \\

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The “No Surprises Act” consumer protection law is now in effect. Clark explains new consumer rights surrounding out of network medical charges, with guidance for the insured and uninsured. // The U.S. labor shortage: Clark has new stats that shed light on what’s really going on with the American workforce.

Ask Clark topics include: Free File: Do your Federal Taxes for Free / Why You Should Never Go to Your Bank for Investment Advice / Best Investment Companies \\

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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly half of us have no money for an unexpected emergency. Clark presents a road map for setting a new path for saving money, including variable weekly saving goals. Clark’s money saving challenge to you, should you choose to accept it!

Clark Stinks and Ask Clark topics include: Best 529 College Savings Plans / What Is an Annuity? / Should You Buy Out Your Leased Car? / Estate and Gift Tax | IRS / How To Open a Roth IRA / Fidelity Investments Review \\

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How crypto savings accounts work and why they’re risky business. Learn the Clark smart perspective on the current crypto environment. // Clark updates long-standing advice on how to avoid getting ripped off on cremation and burials. In the funeral industry, national chains have absorbed the independents, challenging prior memorial society group negotiating power.  But new tools allow you to shop the marketplace for end of life services at the time of need.

Ask Clark topics include: As Used-Car Prices Surge, Consider Fixing the Car You Already Own / How To Open a Roth IRA / The Best Time and Place to Buy a Mattress / 8 Things to Know About Walmart Care Clinic and Walmart Health \\

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Clark describes what Long-Term Care policies cover, how they work, when and what to buy and the hybrid policy difference. // As a Prostate Cancer Foundation board member, Clark shares insights into cancer research in general and the upcoming era of “precision medicine” - plus advocacy and research guidance for those with terminal loved ones.

Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 / Best Cash Back Credit Cards: Top Picks for 2021 / Inside the Timeshare Sales Pitch \\

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Mary Beth Franklin is a Certified Financial Planner, financial journalist, podcaster, and author of the book “Maximizing Social Security Retirement Benefits” - joining Clark to discuss when best to claim benefits, the solvency of the program and what younger workers can expect from Social Security in the future.  Investmentnews.com-MaryBethFranklin / Maximizing Social Security Retirement Benefits - eBook \\

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A third of road deaths are associated with drunk driving. There’s new technology that may stop drunk driving in its tracks. // Are you nervous to open your credit card statements this month? If so, you’re not alone. Clarks tells how the pandemic has reshaped saving and spending, and suggests a debt resolution for 2022.

Ask Clark topics include: Gift Taxes / These Credit Cards Offer Car Rental Insurance Benefits / Why you should beware of sharing a bank account with an elderly parent / Health Insurance Guide -  Health Insurance Archives \\

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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark gives the cell phone forecast AND a great deal from Boost Mobile. Also, what to know about January clearance sales. 

Clark Stinks and Ask Clark topics include: How To Choose the Best Charities for Your Donations - Clark Howard / Warning: Watch Out for This Retailer Pricing Trick - Clark Howard \\

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Teenagers are a hot market for fintechs like Square, now opening Cash App to teens. Clark shares ideas for teaching teens about money & payment apps. // Most of us aren’t great at advocating for ourselves and negotiating pay - a vital skill. It’s important to know what your job is worth and your power as an employee. Tips to help you master the art of negotiation.

Ask Clark topics include: New FAFSA Removes Roadblocks for Grandparent 529 Plans / Estate Planning: Living Trusts vs. Simple Wills - Investopedia / How To Open a Roth IRA / How much life insurance do you need? - Life Insurance / Refinance Your Mortgage \\

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New research confirms debt is dangerous for your health. People of various income levels can end up overextended. Clark shares the areas of most difficulty & ways to reduce costs so your wallet and wellbeing can improve. // There are several things you can do to cut the cost of relocating. Get Clark smart tips on all aspects of moving - from packing to renting a truck - to help you save no matter where you’re going.

Ask Clark topics include: Should I Pay a Company To Lock Down My House Title or Is It a Scam? / 9 Reasons Why Everyone Should Use A VPN. Yes, Even Non-Techies / Is My Phone Unlocked? Here’s How To Know – iPhone and Android - Cell Phone Unlocking | FCC \\

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In the battle of the investing behemoths - Clark’s “favorite children” Vanguard, Fidelity and Schwab, Clark has some pressing advice for Vanguard (who we still love!) / Many companies have used the pandemic to take away consumer rights. Corporate America has disconnected most employees and consumers from the court system. 60 million workers are now under “kangaroo court” arbitration, rigged in favor of the companies. The system is broken. Voluntary neutral arbitration is another matter.

Ask Clark topics include: Best Travel Credit Cards: Top Rewards Picks for 2021 - 5 Things to Know About Schwab Bank / 6 Best Background Check Services

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If your New Year’s Resolution is to cut spending, be aware Buy Nothing Groups have been proliferating, a platform for goods people are giving away. Also there’s FreeCycle. For non-consumables, avoid paying full retail. // Do your loved ones know where your assets, accounts, and important documents are? Resolve to make sure all vital records and information is accessible to trusted loved ones just in case. Clark gets you started...

Ask Clark topics include: How to avoid the Google Voice verification code scam / National Elder Law Foundation / Roth IRA Conversion Rules - Investopedia / What Is an HSA Account / Welcome to Clark’s Christmas Kids 2021

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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Special Guest, Lori, Director of the Consumer Action Center, joins Clark to discuss listeners’ top concerns.

Clark Stinks and Consumer Action Center topics include: Roth IRA vs. Traditional IRA / How To Sell, Cancel or Get Rid of Your Timeshare / How to Buy a Used Car / How To Find a Trustworthy Mechanic / Customer Service Advocacy: Elliott.org / How To Open a Roth IRA / Best Target Date Funds: 3 Top Picks / Find a Financial Advisor / Is Apple Pay a Safe Alternative to Zelle? \\

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Canal St. NYC is one thing. But be aware fake designer merchandise is being sold online - found on eBay, Amazon and vetted resale sites. // Big price hikes in homeowners insurance are happening around the country. How loyalty is penalized, and 3 guidelines for shopping insurance.

Ask Clark topics include: How To Use InsureMyTrip To Buy Travel Insurance-Clark.com - Costco Travel Insurance / Should You Buy an Extended Warranty on Your Car? / How To Dispute an Error on Your Credit Report and Win / Welcome to Clark’s Christmas Kids 2021 \\

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Pretexting gift card scams are rampant and wildly successful for criminals. Clark describes how these scams work, and what to know to avoid getting ripped off! // Popular now, flaunting quitting a job and trashing an ex-employer. Be aware there are likely consequences down the line. You build a reputation and relationships over time. Also not classy: ghosting a job interview.

Ask Clark topics include: Mortgages Archives - Clark Howard / Submit a complaint | Consumer Financial Protection Bureau / Fidelity Investments Review 2021 / Worldwide Coverage / What Is an Annuity, and Why Does Clark Think They Stink? / Find a FIDUCIARY - Clark.com \\

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The work-from-home boss / employee gap continues to widen. If you’ve got a work issue phone or laptop - odds are your employer is spying on you. Learn Clark smart recommendations for workers. // Traditional banking is invested in mistreating customers. The fintechs are changing that. We may be seeing the end of overdraft fees - a con which elicits your permission to rip you off. Capital One recently announced they’re eliminating this fee. New Report: Best Banks for Customer Satisfaction - Clark Howard 

Ask Clark topics include: Experts say the 4% rule, a popular retirement income strategy, is outdated / How to Get Free Virus, Spyware and Malware Protection / Freeze Your Credit / Welcome to Clark’s Christmas Kids 2021 \\

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Clark gives an overview of inflation including energy, food & housing, the role of the Federal Reserve and where we’re headed. // T-Mobile, once known as the uncarrier, is under new management, now lapsing into un-service. Clark discusses the cell phone industry and your best options .CELL PHONES - Clark.com - Boost Mobile: Get 12 Months of Service for $100

Ask Clark topics include: Why Did My Car Insurance Go Up? / Non-Owner Car Insurance: Who Needs It? - Investopedia / Does It Make Sense To Buy Prescriptions From Canada by Mail?

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Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Debt collectors now have the right to contact you on social media. Sometimes it’s a ‘phantom debt’ meaning NOT YOURS. What about YOUR rights? Clark explains how to properly shut down harassment and pay a debt to collections.

Clark Stinks and Ask Clark topics include: Credit Unions / Clark Deals - Laundry Detergent / Welcome to Clark’s Christmas Kids 2021 / Fidelity Personalized Planning & Advice Review / Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity \\

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Clark’s obsessed with fitness, and explains how the Oura Ring differs from other trackers, and the difference it’s made for him. // Used vehicle values are still inflated now. A vehicle coming up on the end of its lease will be worth substantially more than the residual value you have to pay. 2 ways to take advantage of this unique opportunity in the marketplace.

Ask Clark topics include: Vacatia.com - Scam alert: Stay away from timeshare exit companies - How To Sell, Cancel or Get Rid of Your Timeshare / FDIC.gov \\

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Federal student loan payments are about to resume. It’s KEY to keep current. Hardship options are available. // Influencer advertorials have created a clear opening for scams targeting those under 30. What these schemes look like and how to protect yourself.

Ask Clark topics include: How Do Student Loans Work? 7 Things to Know / How to Refinance Your Student Loans / What Is a Reverse Mortgage and Is It Right for Me? / 5 Things To Know About Series I Savings Bonds / What Is a Spousal Roth IRA? \\

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