The Clark Howard Podcast

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto insurance rates increased by almost 20% last year. Will these increases continue? Clark explains how we got here, the state of the industry, and what you can do to keep costs down.

• Clark Stinks: Segments 1 & 2
• Auto Insurance Industry Changes: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Should I Buy Additional Insurance From a Rental Car Company?
• Scam Alert: Think Twice Before Scanning QR Codes
• What Is Umbrella Insurance and Do You Need It?
• 10 Ways To Save Money on Car Insurance
• Car Insurance Rates Could Jump Over 50% in Some States This Year
• How to Shop for Lower Car Insurance
• Mile Auto Insurance: A Firsthand Review
• Can a Patient Advocate Help With Your Medical Bills?
• First, see if you can get your medical bill forgiven
• Best 529 College Savings Plans By State
• What's the Best Way To Send Money 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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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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Clark has tips for mortgage and other loan shoppers, including advice about credit inquiries, and the importance of OptOutPreScreen in your life. Also, when it comes to establishing credit, it’s important to get it right the first time. Clark shares credit building know-how for young adults & college students.

• OptOutPreScreen: Segment 1
• Ask Clark: Segment 2
• Establishing Credit: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The trigger effect: Homebuyers face another challenge when applying for a mortgage
• 4 Ways To Stop Junk Mail-Clark.com
• Mortgages Archives - Clark Howard
• How To Dispute an Error on Your Credit Report and Win
• Ask Clark: Is the 4% Retirement Rule Still Accurate?
• [The Washington Post] First credit cards can make or break you. Here’s what you need to know.
• Petal Card Review: A Good Option for First Credit Card?
• Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit
• Best Credit Cards for Students: Top Picks for 2024
• A Simple Way To Help Your Kid Build Credit
• How To Switch Banks in 4 Simple Steps
• Credit Union Locator - NCUA

Clark.com resources

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

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Today, a warning about hotel frequent stay programs. Hotel points have been significantly devalued. Clark breaks down who should be brand loyal and who should not bother. Also, Clark has an update on something he’s talked about on the show - laundry detergent sheets. So do they work?

• Hotel Rewards Downgraded: Segment 1
• Ask Clark: Segment 2
• Update: Laundry Detergent Sheets: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• WSJ: The Loyalty Reward Downgrade Has Come for Hotel Guests
• Best Travel Credit Cards: Top Rewards Picks for 2024
• Cancel for Any Reason Trip Insurance: Should You Buy It?
• The Platinum Card® from American Express Review 2024: Is It Worth It?
• Why Laundry Detergent Sheets Are a Waste of Money
• Is It Ever OK To Co-Sign a Loan With a Family Member?
• New Report: The Safest Cars for Teens / Safe vehicles for teens
• IIHS, Consumer Reports name safe, affordable vehicles for teens

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 - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for.  

• Saving-First And Automatically: Segment 1
• Ask Clark: Segment 2
• Ponzi Schemes: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Americans’ Savings Rate Plummets Amid Summer Spending
• How To Save Money: Spend Less & Build Your Savings
• Using Cellular Data Internationally: Buying a Local SIM Card
• Roamless: Global eSIM for Travel Internet, eSIM App
• Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
• https://duckduckgo.com/
• Thinking about rooftop solar? 4 things to consider and how to protect yourself
• How Solar-Friendly Is Your State? We Scored Them All
• Best Travel Credit Cards: Top Rewards Picks for 2024
• When Interest Rates Go Down, the Hucksters Spring Up - The Wall Street Journal.
• Brothers, SEC reach a deal in alleged scheme
• Brothers accused of operating $61M Ponzi scheme
• Receiver searching for assets in alleged Ponzi scheme
• $300M Ponzi Scheme Prompts Freezing Of Assets For ATL Businessman: SEC
• FTC and Florida Act to Stop ‘Trucking Automation’ Scam RivX That Took Millions of Dollars From Consumers

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 discusses the two main problems with gift cards and what one state is trying to do to prevent gift card scams. Also in this episode, the scourge of ATM fees. Learn where they are the highest, and how you can avoid paying them.

• Gift Card Problems & Reforms: Segment 1
• Ask Clark: Segment 2
• Avoiding ATM FEES: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Gift Card Scams | Consumer Advice / Gift Cards - Clark.com
• The Nation’s First Law Protecting Against Gift Card Draining Has Passed. Will It Work?
• TPG's guide to understanding EU261 flight compensation
• How to get compensation for delayed or canceled flights
• 5 of Clark Howard's Most Extreme Frugal Hacks
• Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
• Costco Travel: 5 Things To Know Before You Book
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• Cancel for Any Reason Trip Insurance: Should You Buy It?
• This Mistake at the ATM Could Be Costing You More Than $248 a Year
• New York Post: ATM fees hit record high in US — cities where you’ll pay the most
• Cash machines now cost more than ever to use
• Paying money to get your own cash: Some big retailers charge for cash-back requests
• How To Avoid ATM Fees
• Credit Union vs. Bank: What's the Difference?
• Automatic Bill Pay: How It Works and How To Do It Safely
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling

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 clears confusion surrounding new rules with real estate agent commissions for home buyers and sellers. 

• Clark Stinks: Segments 1 & 2
• New Rules On Real Estate Agent Commissions: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Want job security in this uncertain market? A surprising trend is paying off
• Pronounce Names
• What Is an Annuity, and Why Does Clark Think They Stink?
• WSJ - The New Etiquette of Negotiating With Your Real-Estate Agent
• Buying a house just got more complicated. Here's what you should (and shouldn't) do when working with a broker
• NYTimes: Buying or Selling a Home? The Rules Have Changed.
• How buyers and sellers are navigating real estate’s seismic shake-up
• Big changes to how you buy and sell a home go into effect today: What you need to know
• New rules could reshape homebuying. Here’s what it means for you.
• The Only Reason You Should Make an Improvement to Your Home
• How and When To Refinance Your Mortgage: A Step-By-Step Guide
• Costco Is Raising Membership Fees in September
• Is a Costco Membership Worth It?
• 5 Reasons Sam's Club Is Better Than Costco
• Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
• CELL PHONES - Clark.com
• Phone Plan Finder – Find the Best Plan For You - Clark.com

Clark.com resources

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

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Today, Clark hosts digital advisor Kim Komando to discuss online security including passwords, followed by answers to some tech questions.

• Komando On Tech Security: Segment 1
• Clark Asks Kim Your Tech Questions: Segment 2

Mentioned on the show:

• 5 Tips To Protect Your Digital Privacy
• Keeper Security: Password and Secrets Management
• 1Password: Top-Rated Password Manager for Personal …
• Dashlane: Password Manager for Home, Mobile and Business
• What are passkeys? Everything you need to know about the death of passwords
• California Consumer Privacy Act (CCPA)
• What is GDPR, the EU's new data protection law?
• Appy Pie  /  Thunkable  /  Bubble: The full-stack no-code app builder
• DuckDuckGo — Privacy, simplified.
• Startpage - Private Search Engine. No Tracking.
• Brave: The browser that puts you first
• The greenest browser on Earth - Ecosia
• Proton Mail: Get a private, secure, and encrypted email account
• Hushmail - Encrypted Email, Web Forms & E-Signatures
• StartMail: Private, Secure and Encrypted Email You Can Trust
• Phone Plan Finder – Find the Best Plan For You - Clark.com
• Tech news, tips and tricks | Komando.com

Clark.com resources

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

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Consumers have demanded lower prices and we’re seeing results! Manufacturing is slowing due to oversupply in many categories. Clark tells you where prices are trending down, and which retailers have responded to consumer signals in the marketplace with lower prices. Also today, with the arrival of fall sports - a big warning about something that could make your money disappear if you aren’t careful.

• Buying Opportunity: Segment 1
• Ask Clark: Segment 2
• Sports Gambling Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• U.S. Manufacturing Activity Remains Weak Ahead of Expected Fed Rate Cuts
• NY Post: Dollar General shares plummet as Walmart, Target take bite out of profit
• Axios: 1 big thing: Dollar store pain
• Dollar General’s stock is cratering. Here’s what it says about the economy
• NYTimes: Consumers Are Still Bargain Shopping, Macy’s and Target Reports Show
• Target slashed prices. It paid off / Axios: Learnings from earnings
• Axios: Price Cuts Are Back: Doling out discounts
• Sales at stores are suddenly surging in the US economy’s latest show of strength
• Americans are still shopping. They’re just going to Walmart
• How To Open a Roth IRA
• Nanny Taxes and Payroll Services | Poppins Payroll
• NYTimes: We All Live in Vegas Now
• Axios: Sports betting replaces stocks
• What is Gambling Disorder?
• National Council on Problem Gambling: Home
• Gambling Addiction and Problem Gambling
• How gambling affects the brain and who is most vulnerable to addiction
• 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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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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Team Clark is getting many questions about the recent massive data breach, possibly the second largest breach in history and one that includes social security numbers. Find out what you need to do about the National Public Data Breach. Also, Clark discusses how there’s a right way and a wrong way for companies to implement dynamic pricing. Evidently, some companies are taking the practice way too far.

• Data Breach Guidance: Segment 1
• Ask Clark: Segment 2
• Dynamic Pricing: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• National Public Data Breach: One of the Largest Data Breaches in History Affects Billions
• DATA BREACH GUIDE - Clark.com
• Credit Lock vs. Credit Freeze: What's the Difference?
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• LA Times: Massive data breach that includes Social Security numbers may be even worse than suspected
• NYTimes: What to Know About the Latest Social Security Number Breach
• Nearly 3 Billion People Hacked in National Public Data Breach. What You Need to Know
• Seven Things to Do Right Away If You're a Victim of a Data Breach
• Data broker suggests fraud alerts after Social Security number breach
• [The Washington Post] Our data isn’t safe. Resist giving it up whenever you can.
• E-Verify: Home
• DOT-File a Consumer Complaint
• Submit a complaint | Consumer Financial Protection Bureau
• [The Washington Post] Anger over Oasis ticket prices sparks U.K. review of dynamic pricing
• Companies love dynamic pricing... customers not so much
• World's Largest 3D-Printed Neighborhood Is Almost Finished In Texas
• These concrete homes want to take over your subdivision

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 is out on one of his adventures today, returning tomorrow. Wes Moss, a fiduciary financial advisor and friend of Team Clark, joins Christa to answer your investing questions and discuss two important retirement topics. The stock market can have major swings. Unfortunately, the volatility can cause us to panic and take money out in response. However, numbers show that missing the best 10 days in any given year over a 25-year period can reduce your return from 9% to under 6% – and it gets worse the more time your money is not invested! CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the financial consequences of taking money out and why it’s important to stay calm in any market. Also, the stock market is a marathon, but how do we buffer ourselves from the stress of risk? Wes talks about the “dry powder” principle. It can help us be better investors and help keep our wallets safe! Plus - Is waiting to take Social Security wise or is it a “scam”?

• Missing Out on the Stock Market: Segment 1
• Ask Wes: Segment 2
• The Dry Powder Principle: Segment 3
• Ask Wes: Segment 4

Mentioned on the show:

• How Much Cash Do You Need To Survive A Volatile Market?
• Wes Moss, Capital Investment Advisors
• Should You Sell or Stay Put in the Stock Market?
• What Is an Annuity, and Why Does Clark Think They Stink?
• Find Freedom In Retirement With These Core Financial Principles
• When Is the Best Time To Collect Social Security?

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, news for first time homebuyers that changes Clark’s long time advice. 

• Clark Stinks: Segments 1 & 2
• Buying A New Vs Used Home: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Does Escrow (in Escrow) Mean, and How Does It Work?
• What Clark Says You Should Do With Your I Bonds This Year
• New rules could reshape homebuying. Here’s what it means for you.
• Clark.com - CELL PHONES
• Best Phone Plans: Get Exactly What You Want at the Cheapest Price
• Phone Plan Finder – Find the Best Plan For You - Clark.com
• Zelle scams prompt federal probe into whether banks are doing enough to protect customers
• Online Defensive Driving Course From AARP Driver Safety
• Defensive Driving Courses & Traffic School | DriveSafe Online®
• New homes are getting smaller. That could be big news for first-time buyers
• Axios: New houses now cost less per square foot than old houses
• Axios: End of hallways
• Should You Respond to Class-Action Lawsuits?
• What Is an ETF?
• Axios: How action against hidden junk fees affects your wallet

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 is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance.

• 60/40 Portfolio: Segment 1
• Ask Wes: Segment 2
• 4% Rule: Segment 3
• Ask Wes: Segment 4

Mentioned on the show:

• Mistakes Investors Might Make When Following The Herd
• A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin
• Wes Moss, Capital Investment Advisors
• What Is a Solo 401(k) and How Does It Work?
• What Is a SEP IRA and Who Is Eligible?
• What Is a SIMPLE IRA and How Does It Work?
• What A 6% Withdraw Rate Could Mean For Your Retirement
• How to Start Investing: 10 Steps for Beginners
• What Is an Annuity, and Why Does Clark Think They Stink?

Clark.com resources

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

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At least one third of Americans are worried about not being able to pay their bills. Clark has long been concerned about influencers convincing followers to spend money on products they’re endorsing. Now there’s a new trend on social media from a new wave of influencers, and it’s great. Also, there’s good news on gas prices.

• Spending Less Is Trending: Segment 1
• Ask Clark: Segment 2
• Gas Prices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Tired of Influencers, TikTok Users Try ‘Underconsumption Core’ to Cut Costs
• 39% of Americans worry they can’t pay the bills
• Rein in your retail spending with these tips
• How To Open a Roth IRA
• Target Date Funds: Clark's Favorite Retirement Investment
• Certificate of Deposit (CD): What Is It, Best Places To Open One
• Air Travel Complaints | US Department of Transportation
• DOT - File a Consumer Complaint
• Cheap Flights, Airline Tickets & Airfare Alerts | Going
• Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts
• Bluebird American Express Card Review 2024
• What's the Best Savings Account for a Teenager?
• Best Prepaid Cards: Top Debit Card Alternatives
• The Silver Lining of a Slowing Economy: Cheaper Gas - The WSJ
• How To Find Phone Plans That Offer Lifeline Discounts
• AT&T, AST SpaceMobile Announce Commercial Agreement
• The Best Telecom Services for Landlines
• Elliott Report: Home

Clark.com resources

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

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The decision to own a pet should not be taken lightly, with veterinary hospital bill shock causing great financial strain on pet owners. Clark explains the market forces at work, and where to look for more affordable pet care. Also, a special warning if you or someone you know is considering buying a condo in Florida. There’s been a pivot in the real estate market. 

• Pet Care Costs: Segment 1
• Ask Clark: Segment 2
• Alert: Buying A Florida Condo: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Survey: 91% of dog owners have experienced financial stress over the cost of pet ownership
• Is Pet Insurance Worth It?  /  5 Best Places To Buy Pet Medicines
• Fidelity Rewards Credit Card Review: Invest with 2% Cash Back
• Target Date Funds: Clark's Favorite Retirement Investment
• Why Clark Says You Should Not Buy a Condo in Florida Right Now
• South Florida in midst of condo crisis as rising HOA fees lead to surge in listings: ‘Don’t know how I’m going to stay’
• What Credit Cards Does Costco Accept?
• Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards
• Why You Should Never Mail a Check
• Top 7 Ways To Shop Safely Online
• Virtual Credit Cards: An Online Security Measure Worth Taking?

Clark.com resources

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

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Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also - A recent stat reveals that unhappy workers may reduce Global GDP by up to 9% - so what do workers want? Clark discusses “enlightened self-interest” and the vital importance of valuing employees. 

• Clark Stinks: Segments 1 & 2
• Boss Advice About Workers: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
• Why I Think Medicare Advantage Plans Stink - Clark Howard
• Optical Reviews - Clark.com
• How Much Life Insurance Do I Need?
• How To Buy Term Life Insurance in 7 Easy Steps
• Earn College Credit With CLEP
• 3 strategies to help college students pick the right major the first time around and avoid some big hassles
• Is college worth it? Poll finds only 36% of Americans have confidence in higher education
• Nearly half of U.S. workers would take a pay cut to avoid being tracked by their boss
• Should you look for a new job if you're given a performance improvement plan?
• Why more Gen Z workers are being placed on performance-improvement plans
• Unhappy workers may reduce global GDP by as much as 9%, Gallup estimates
• Fidelity Investments Review: Pros & Cons

Clark.com resources

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

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There’s an allegation that companies are buying and using consumer data to charge individual, discriminatory prices. Clark discusses how to get around the loyalty tax you may unknowingly be paying. Also today, there is a trend in weddings to rethink the fantasy event and scale down to have funds for other priorities. Clark shares ideas to help couples save on their special day. 

• Privacy & The Price Of Loyalty: Segment 1
• Ask Clark: Segment 2
• Save More On Weddings: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• You’re not going crazy — you may actually be paying higher prices than other people
• Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
• Best 529 College Savings Plans By State
• Can I Sell My Life Insurance Policy?
• Consumer Federation of America - Insurance
• The CFA’s Rate of Return (ROR) Program | Evaluate Life Insurance
• Kayak now displays Southwest Airlines flights - The Points Guy
• Brides are having brunch weddings, midweek destination nuptials and selling tickets, saving $70K on costs
• [The Washington Post] The American wedding is shrinking
• Clark Howard's Guide to Saving Money on Your Wedding
• Weddings - Clark.com
• Should You Ever Lease a Car?
• Pirate Ship Review: Pros & Cons of This Cheap Shipping Service

Clark.com resources

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

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QR codes are everywhere, and criminals have found a way to exploit them. Approach with caution and know what to look out for. Also, Clark recently got caught up in a rental car toll issue and tells you how to avoid the toll fee traps that can come with car rentals. 

• QR Code Scams: Segment 1
• Ask Clark: Segment 2
• Rental Car Toll Fees: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 'I'm done scanning': Woman warns of QR code scam that was sent to her doorstep
• Got a barcode from your utility company to make a payment? That’s a scam
• Why You Should Never Mail a Check
• Ascensus Acquires Vanguard’s Small Business Retirement Plans
• What Can I Do if My HOA Is Doing a Poor Job?
• NYTimes: Finally, a Way Around Exorbitant Rental Car Surcharges for Tolls
• How to Avoid Rental Car Toll Fees
• Drivers Beware: Watch Out for This Toll Notice Scam
• Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet
• The Best Unlimited Hotspot Plans
• Best Phone Plans: Get Exactly What You Want at the Cheapest Price

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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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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Clark shares some tough new stats about American credit card debt. If you are in debt, you are definitely not alone. Know the strategies that can set you on a path to freedom from debt.  Later, insurers are exploring some interesting ways to cut down on the critical problem of distracted driving. Clark has his own way of banishing phone use while behind the wheel.

• Credit Card Debt: Segment 1
• Ask Clark: Segment 2
• Phone Addiction & Distracted Driving: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Credit card debt: Inflation, interest rates have more Americans carrying balances over
• Axios: Stretched consumers
• Clark Howard's 2024 Credit Card Debt Elimination Strategy
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• Xfinity Deal: Save Up to $1,500 on Internet and Cell Phone Service
• Cell Phone Plans  /  Streaming TV  /  Internet Archives - Clark Howard
• How Many Credit Cards Should I Have?
• My 7 Rules for Using Credit Cards - Clark Howard
• Best Airline Credit Cards for 2024: Are They Right For You?
• Gamification gets drivers to put down their phones, study finds
• Pay-Per-Mile Insurance: Is It Worth It?
• Mile Auto Insurance: A Firsthand Review
• How to Shop for Lower Car Insurance
• Homeowners Insurance Archives - Clark Howard
• 5 Steps To Getting a Good Deal on a Hotel Room
• Should You Ever Book a Nonrefundable Hotel Room?
• 5 Things You Should Re-Shop To Save Money

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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An important lesson for new investors: Clark explains the penny stock pump & dump rip off - a worsening problem in the digital age. Also, as the number of robo calls decline, “robo texts” are increasing and come in many forms, looking to get at your identity and into your wallet. Know how to spot scam texts and hit DELETE. 

• Penny Stock Rip Off: Segment 1
• Ask Clark: Segment 2
• Beware Of Scam Texts: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Penny Stocks Are More of a Problem Than Ever, Clark Warns
• Best 529 College Savings Plans By State
• Roth vs. Traditional 401(k): What's the Difference?
• How To Sell, Cancel or Get Rid of Your Timeshare (Clark.com)
• “When are you free for coffee?” Long lost friend or a scammer trying to get you to respond?
• How To Recognize and Report Spam Text Messages
• Best Free Password Managers: 10 Top Picks
• How to Avoid Online Scams and What to Do if You Become a Victim
• How To Prevent, Report and Repair Identity Theft
• The Worst Kind of Identity Theft (and How To Prevent It)
• Should You Respond to Class-Action Lawsuits? (Clark.com)

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, most states are still under costly monopoly power control for energy and those costs continue upward. But you are not powerless! In addition to the payback of lower bills, there are tax credits for energy efficient home improvements. 

• Clark Stinks: Segments 1 & 2
• Home Energy Tax Credits: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What's the Best Way To Rent a Car Before You Buy It?
• Is Turo Legit? 5 Things To Know Before You Use It
• 13 Places To Listen to Free Music Online- Clark.com
• Why You May Want To Get a Home Generator
• How Should I Donate a Non-Working Vehicle?
• How to Sell Your Car in 5 Steps-Clark.com
• What Is the Best Platform To Sell My Car?-Clark.com
• ZIPAIR Official Website
• Costco vs. Sam's Club: What Is the Difference?
• 6 Pharmacies Offering $4 Prescriptions
• Axios: How U.S. homeowners can score tax breaks and other Biden climate cash
• [The Washington Post] Americans tapped $8 billion in tax credits on home energy upgrades
• How To Save Money on Utilities
• How to Book the Best and Safest Airbnb
• Cheapest Way to Rent a Car: Expert Tips
• 5 Things You Should Re-Shop To Save Money

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 has updated information if you are thinking of selling a car, with new direction on where to get fair market value pricing.   Also, a recent ruling means Amazon has to make a big change to how they handle 3rd party sellers of unsafe items. 

• Selling Or Trading In A Car: Segment 1
• Ask Clark: Segment 2
• Amazon Recall Ruling : Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• This Car Site Offers Top Dollar to Sellers. Its Stock Is a Wall Street Favorite
• How to Sell Your Car in 5 Steps-Clark.com
• What Is the Best Platform To Sell My Car?-Clark.com
• Jobs Archives - Clark Howard
• Amazon must recall unsafe products sold by independent sellers, a consumer agency says
• USA TODAY: Federal agency finds Amazon responsible for recalling dangerous items
• Amazon can now be held responsible for dangerous products sold on its platform
• How and When To Refinance Your Mortgage: A Step-By-Step Guide
• Visible Adds New Features to Visible+ Plan
• Visible Review: 5 Things To Know Before You Sign Up
• Using Cellular Data Internationally: Buying a Local SIM Card
• Phone Plan Finder – Find the Best Plan For You - Clark.com
• Live TV Streaming Channel Tool

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

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Humans are prone to “static analysis” - the idea that if an attempted solution didn’t work, it never will. But innovations prove otherwise and Clark has a real life example in the vital area of water shortages. Also, many Americans, especially the elderly, are taken advantage of with technology schemes. Clark discusses a new fintech offering strategies to prevent this now rampant fraud.

• Try Try Again: The Power Of Innovation: Segment 1
• Ask Clark: Segment 2
• A Fintech Takes On Fraud Prevention: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Spain Is Thirsty. Here’s How It Gets Water.
• How and When To Refinance Your Mortgage: A Step-By-Step Guide
• 6 Things to Know About Refinancing Your Mortgage
• Mortgage Refinance Calculator - Clark Howard
• This banking fintech for older Americans is launching a new feature to fight AI fraud
• How To Switch Phone Carriers: 9 Easy Steps
• Phone Plan Finder – Find the Best Plan For You - Clark.com
• Employee Stock Ownership Plan (ESOP): What It Is, How It Works
• 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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Today, choosing the right phone plan could save you up to $1500 a year. Clark introduces our new Phone Plan Finder tool to help you cut through the confusion and make that choice much easier. Then Clark discusses a great new retirement savings option for part-time and self-employed workers. Also - It’s vital to understand your liability risks and insure accordingly, which for many, includes umbrella insurance.

• New Roth Options: Segment 1
• Ask Clark: Segment 2
• Liability Insurance: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Phone Plan Finder – Find the Best Plan For You - Clark.com
• Changes in Retirement Savings Rules to Know Before Year’s End - WSJ
• 6% of Your Paycheck Is Becoming the New Standard for 401(k) Saving
• The 3 Biggest Mistakes You Can Make With Your 401(k)
• The 401(k) Rollover Mistake That Costs Retirement Savers Billions - WSJ
• 401(k) Rollover: How To Roll Over a 401(k) (Clark.com)
• What Is a SEP IRA and Who Is Eligible?
• What Is a SIMPLE IRA and How Does It Work?
• Certificate of Deposit (CD): What Is It, Best Places To Open One
• What Is a Roth 401(k) and How Does It Work?
• Rollovers From a 529 Plan to Roth IRA: What to Know
• Umbrella Insurance Covers Worst-Case Scenarios. There Are Now More of Them. - WSJ
• What Is Umbrella Insurance and Do You Need It? (Clark.com)
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option

Clark.com resources

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

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A recent FTC settlement validates Clark’s long-held advice on car warranties. Know how the game is played including “bust outs”, and how to best proceed if you wish to purchase an extended warranty on a vehicle. Also, restaurants are getting crushed by costs, so they are getting creative with ways to serve us fresh food at a discount. 

• Auto Warranty Schemes: Segment 1
• Ask Clark: Segment 2
• Fresh Food Vending: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Think twice before buying a car-repair contract. FTC settlement shows why.
• FTC says CarShield didn’t cover car repairs as advertised
• Should You Buy an Extended Warranty on Your Car? (Clark.com)
• Used car prices plunging: EVs hit the hardest
• Electric Vehicle Tax Credits 2024: What You Need to Know
• Need a Cheese Plate at 4 a.m.? There’s a Vending Machine for That. - WSJ
• Axios: "Waiter, check please?" Nah, just use an app
• How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts
• Raisin Review: Can You Trust This Online Savings Marketplace? (Clark.com)
• Certificate of Deposit (CD): What Is It, Best Places To Open One
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• Term Life vs. Whole Life Insurance: Understanding the Difference

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, an app capable of helping job seekers transfer their skills to new industries and locate positions close to home.

• Clark Stinks: Segments 1 & 2
• Locate Contract Work: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Donating & Volunteering Archives - Clark Howard
• Why You Should Establish Trusted Contacts
• Over 11 million job seekers are using this app to find jobs in their own backyards- Hypepotamus
• 30 Easy Side Hustle Ideas / Sidehusl.com: Home
• Jobs Archives - Clark Howard
• Should You Get a Store 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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Rampant data breaches facilitate SIM swapping fraud - allowing criminals to usurp 2 factor authentication by stealing your phone service. Clark explains this very common form of identity theft and how you can easily prevent it. Also - Why hotels are in financial distress these days, what that means for travelers and how this calls for a new approach to booking. 

• Sim Swapping 101: Segment 1
• Ask Clark: Segment 2
• Distressed Hotels - Strategic Booking: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• There are 1 billion victims of data breaches so far this year. Are you one of them? - USA TODAY  
• SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
• This form of identity theft is on the rise. Here's what to know
• FCC pursues rule forcing carriers to unlock phones after 60 days
• 5 Credit Card Mistakes To Avoid
• Travel Insurance: What You Need To Know Before You Buy
• The National Observer: Distress grows for hotel properties
• Help! We Had to Sleep in the Hotel’s Breakfast Room. We Would Like a $215 Refund.
• 5 Things You Should Re-Shop To Save Money
• Best Credit Cards With No Foreign Transaction Fees in 2024 - Clark.com
• Clark Howard's Digital Wallet Strategy for 2024
• 5 Money Tips To Know Before You Travel Abroad
• How To Plan a Trip: Clark's Best Travel Tips To Save Money
• Travel 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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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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The number one issue people are contacting Team Clark about: Buying a used car. Clark goes back to basics on how to purchase a used vehicle, so you know how to protect yourself before setting foot on a dealer lot.  Later - Antitrust lawsuits allege corporate landlord price collusion via software. What apartment renters need to know and strategies to get the best deal on rent. 

• Buying A Used Vehicle: Segment 1
• Ask Clark: Segment 2
• Apartment Rent: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Buy a Used Car (Clark.com)
• Should You Buy an Extended Warranty on Your Car?
• Online security: Our promise to you - Investor Vanguard
• Vanguard's Online Fraud Policy
• Safer Ways To Send Money
• NYTimes: Lawsuits Mount Over Software Used by Landlords to Set Rents
• Trust Pilot - Kensington Tours  /  BBB - Kensington Tours
• Cancel for Any Reason Trip Insurance: Should You Buy It?
• Best Travel Credit Cards: Top Rewards Picks for 2024
• Is an HSA the Best Way To Save for Future Medical Expenses?
• Where Should I Set Up My Health Savings Account (HSA)?

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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Influenced by market noise, many struggle with financial decisions regarding their investments for the future. What is the ideal mix of stocks, bonds, domestic and overseas funds? Vanguard just came out with some new recommendations.   Also, Clark shares something that should ease your mind about the future of jobs with AI and other rapidly changing technologies. 

• Investment Decisions: Segment 1
• Ask Clark: Segment 2
• The Future Of Work: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Your 60/40 Portfolio Isn’t Safe. Inflation Is the Reason. Barron’s
• Clark.com - Invest & Retire
• Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• Should You Get a Store Credit Card?
• Receipt Hog: 4 Things To Know About Earning Cash Back
• ReceiptPal Review: 5 Things To Know Before Earning Cash Back
• You're probably doing a job that didn't exist in 1940. Will yours exist in 2040?
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Clark Warns Major Changes To Credit Card Rewards Are Coming Soon
• 5 of Clark Howard's Most Extreme Frugal Hacks

Clark.com resources

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

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There are a lot of bonus offers coming from big banks right now, trying to capture multiple lines of your business. Should you go for it? Depends. Clark explains. Also - Consumers collectively seeking store brands to fight inflation is paying off. The big box retailers are battling it out with their private label items as they compete for private label dominance! 

• Big Bank Bonus Offers: Segment 1
• Ask Clark: Segment 2
• Private Label Price War: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Banks Are Offering Bigger Cash Bonuses. How to Decide if You Should Switch. - WSJ
• Are Money Market Funds a Safe Place To Stash My Savings?
• Top 10 Small Business 401(k) Plan Providers
• How To Open a Roth IRA / What Are Index Funds?
• How Walmart-owned Sam’s Club is trying to take on Costco’s private label Kirkland
• Walmart is opening five automated distribution centers as it tries to keep its grocery dominance
• Why You Should Keep Old Credit Card Accounts Open
• Navy Federal cashRewards Card Review: Cash Back Credit Card
• Should I Update My Income With My Bank or Credit Card Company?
• How To Monitor Your Credit
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion

Clark.com resources

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

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you.

• Clark Stinks: Segments 1 & 2
• Using Checks- A Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Get an Identity Protection PIN (IP PIN)
• Retrieve your Identity Protection PIN (IP PIN)
• Where To Buy the Best Cheap Printer
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• Career opportunities - Careers - About.usps.com
• How to Avoid Paying Vacation Rental Fees
• Target will stop accepting this old-school form of payment
• What Is Mortgage Protection Insurance and Do You Need It?
• 4 Insurance Policies You Actually Need (and 5 You Don't)
• What Is Disability Insurance and How Does It Work?
• Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You

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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We’ve talked a lot recently about rising insurance rates. The car insurance industry is facing some backlash now, as consumers explore their options. Clark has advice on lowering your premiums. Also today - many people buy lottery tickets, but the odds of winning are insanely low. One couple actually hit a huge jackpot, but what happened next is a very sad story. 

• Save More On Auto Insurance: Segment 1
• Ask Clark: Segment 2
• Financial Advisors- Choose Wisely: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Fed Up With Their Car-Insurance Bills, Drivers Shift Gears - The Wall Street Journal.
• NYTimes: How to Rein In Rising Auto Insurance Rates
• 10 Ways To Save Money on Car Insurance 
• Mile Auto Insurance: A Firsthand Review
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• Should I Be Concerned That I’m Receiving Mail at My Home With Someone Else’s Name?
• What’s the Best Way To Exchange Dollars for Foreign Currency? And When Should I Exchange Money?
• Should You Buy Gold at Costco?  /  Warning: How You Should NOT Buy Gold
• A Couple Won the Powerball. Investing It Turned Into Tragedy. - The WSJournal.
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• How to Qualify for Medicaid: Eligibility Requirements
• 6 Things To Know About Series I Savings Bonds
• What Clark Says You Should Do With Your I Bonds This Year

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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Recently there has been backlash about the use of phones by teenagers, especially at schools. Some districts and states are doing something about it. Also - restaurants are trying to bring in customers through promotions and deals, but how do you know if you are really getting a bargain?

• Student Cell Phone Bans: Segment 1
• Ask Clark: Segment 2
• Restaurant Promotions: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• NY Students Banned From Using Phones First Hated, Then Loved It
• Top 10 Small Business 401(k) Plan Providers
• Bottomless Fries, Floats and Broccoli. One Restaurant Chain’s Bid to Get Diners. - WSJ
• Why fast food value menus aren’t as good a deal as you might think
• How To Prevent, Report and Repair Identity Theft
• The Worst Kind of Identity Theft (and How To Prevent It)
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• Best 529 College Savings Plans By State
• Understanding 529 rollovers to a Roth IRA
• 12 Items That Can't Be Returned to Amazon

Clark.com resources

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

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New statistics showing average 401K balances by generation reveal a trouble spot. Clark focuses on Gen X. Also, if you or someone you know does contract work full time or as a side hustle, Clark has important advice about taxes.

• Gen X Retirement: Segment 1
• Ask Clark: Segment 2
• 1099 Tax Traps: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Average 401(k) Balance by Age
• Axios: Gen X savings gap   
• 7 Best Ways to Save for Retirement in Your 50s
• 30 Easy Side Hustle Ideas
• 7 Things To Know Before You Use Zelle
• 6 Steps To Eliminate Credit Card Debt in 3 Years or Less
• Consumer Cellular Review: 5 Things To Know Before You Sign Up
• Lifeline Support for Affordable Communications
• 1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle
• A Surging IRS Penalty Is Costing Americans Billions. Here’s How To Avoid It
• Midyear Tax Planning Strategies: Five Things to Do Now
• Here's Your Estimated 2024 Tax Refund Schedule
• What Is a SEP IRA and Who Is Eligible?
• When Should You Get an Accountant To Do Your Taxes?

Clark.com resources

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

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Today, Clarkonomics with an overview of the current job market and how to be prepared. Also - Incorrect pricing has been plaguing consumers alongside inflation and may soon be remedied in some places by technology. Meanwhile, why you need to keep your eye on the price! 

• Job Market Update: Segment 1
• Ask Clark: Segment 2
• Incorrect Pricing: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Axios: Labor scarcity is the new normal
• Companies are facing a skills-gap crisis that college alone can’t fix
• College credit for working your job? Walmart and McDonald’s are trying it
• Amazon - 9 skills training programs helping hourly employees grow their careers
• Amazon - Our Upskilling 2025 programs
• NYT - U.S. Job Growth Extends Streak, but Signs of Concern Emerge
• Why more layoffs could be coming in the second half of 2024
• Americans are suddenly finding it harder to land a job — and keep it
• America's startup boom is still going strong. Here's what it means for the economy
• Demand for better cybersecurity fuels a booming job market
• What Is a Fiduciary Financial Advisor and Do I Need One?
• Guide to Brokerage and Investment Advisory Services at Fidelity Investments 
• A supermarket trip may soon look different, thanks to electronic shelf labels
• How To Plan a Trip: Clark's Best Travel Tips To Save Money
• About Clark Howard

Clark.com resources

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

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Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information.

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many homeowners continue to receive unsolicited offers to buy their property. Clark discusses what you need to know about such offers, and the first step a seller should take.

• Clark Stinks: Segments 1 & 2
• Unsolicited Home Buying Outfits: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Is Umbrella Insurance and Do You Need It?
• Amazon set to take on Temu and Shein with new discount section
• What's the Best Setting for Your Thermostat During the Summer?
• Buy a lot of Amazon gadgets? You could get 20% off each time
• Stacked vs Unstacked Car Insurance
• Which Documents Should You Keep and for How Long?
• Why You Should Beware of Unsolicited Offers To Buy Your Home
• Beware of Unsolicited Offers to Buy Your Property
• Clark Deals - Laptops
• How and When To Refinance Your Mortgage: A Step-By-Step Guide

Clark.com resources

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

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We’re starting out August with some great news - there is something you can do for free that may help you live longer, and happier. Also - unhappy news of elderly women being ripped off by a home gutter system salesperson. Clark has an important warning for homeowners.

• An Attitude Of Gratitude: Segment 1
• Ask Clark: Segment 2
• Home Improvement Rip-Offs: Segment 3
• Ask Clark: Segment 4



Mentioned on the show:

• Be grateful for what you have. It may help you live longer
• How To Find the Best Deal on Cheap Internet Service in 4 Steps
• Best 529 College Savings Plans By State
• ‘I feel cheated’: Saleswoman charges 2 elderly women over $14,000 for gutters
• 6 Tips for Hiring a Contractor
• How To Buy Term Life Insurance in 7 Easy Steps
• Best Term Life Insurance Companies, Plans & Coverage

Clark.com resources

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

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In today’s show - more Americans are installing alarm systems to help them not only feel safe from crime, but also for protection in a fire. The alarm business has been rife with long term contracts and high monthly costs. Clark tells you how to get a deal with the same safety. Another area where costs vary wildly is prescription eyeglasses. There's a new rule that makes it even easier to get your glasses at a deep discount. 

• Home Security Systems: Segment 1
• Ask Clark: Segment 2
• The Eyeglass Rule: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How to Avoid Getting Ripped Off by an Alarm Company
• Your Guide to DIY Home Security Systems
• Home Security System Ratings & Reviews
• How to change your name and what government agencies to notify
• Best Online Will Maker: 5 Free or Cheap Options
• What Is a Personal Loan and Should You Get One?
• Eyeglass Rule updates: What they mean for you
• The Best Places To Buy Eyeglasses
• Are Indexed Universal Life Insurance Policies a Good Option or a Scam?
• Term Life vs. Whole Life Insurance: Understanding the Difference
• How To Buy Term Life Insurance in 7 Easy Steps
• How To Open a Roth IRA

Clark.com resources

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

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Inflation has curved downward affecting interest rates, presenting challenges for savers. There are great differences between financial institutions regarding savings rates. Clark discusses how to get the best rates on CDs and savings accounts, and why you NEVER allow a CD to auto-renew.  Also, Amazon is feeling the heat from Temu and Shein, and they are answering with a new competitive site. 

• Saving Rates Update: Segment 1
• Ask Clark: Segment 2
• Amazon’s New Discount Store: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 16 of the Best High-Yield Online Savings Accounts in July 2024
• Best Online Banks: Free Checking and High-Interest Savings Accounts
• Why Big Banks Are a Bad Place for Your Cash
• What To Do BEFORE Your CD Expires
• What Is a 403(b) and How Does It Work?
• How a 457 Plan Works After Retirement - Investopedia
• What Are Index Funds?
• Longevity Insurance: What Is It and Do You Need It?
• Amazon set to take on Temu and Shein with new discount section
• How Higher Income Can Affect Medicare Premiums
• 7 Things To Know Before You Use Zelle
• How To Spot and Avoid Gift Card Scams

Clark.com resources

• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
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Today, Clark explains how, with the economy in slower gear, it is more important than ever to re-shop travel. The savings can be significant. Also- a warning about a common and potentially devastating scam wherein a criminal posing as a fraud specialist, is actually a specialist at committing fraud targeting bank & retirement accounts. Know what this scam looks & sounds like, and what to do when you recognize it. 

• Save More: Re-shop Travel: Segment 1
• Ask Clark: Segment 2
• Financial Impersonation Scams: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Holiday Travel Is Booming. Why Are Airlines Doing So Badly?
• 5 Things You Should Re-Shop To Save Money
• Should You Ever Book a Nonrefundable Hotel Room?
• Cheapest Way to Rent a Car: Expert Tips
• Why You Should Never Prepay for a Rental Car
• Why You Should Re-Shop Your Cruise
• 8 Things to Know Before You Fly Spirit Airlines
• Elliott Report: Home
• Should I Tip on a Cruise?
• Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts
• Got a call about fraud activity on your bank account? It could be a scammer
• Google Voice Verification Code Scam
• The Google Voice scam: How this verification code scam works and how to avoid 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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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, are you paying too much for your summer soundtrack? With online music services raising prices, find out how to legally stream music for free.

• Clark Stinks: Segments 1 & 2
• Free Music Online: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why I Think Medicare Advantage Plans Stink - Clark Howard
• Will Social Security Run Out?
• When Is the Best Time To Collect Social Security?
• 7 Things To Know About Costco Pharmacy
• 10 Ways To Save on Prescription Drugs
• Stash Review: How It Works, Pros & Cons
• 13 Places To Listen to Free Music Online
• Warning: Why You Should Never Buy Visa Gift Cards
• The One and Only Exception to Clark Howard's 'No Gift Card' Rule
• How To Spot and Avoid Gift Card Scams

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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Be aware, falling for this hotly touted investment pitch can burn your wallet - What to know about Private Placements. Also, when is a bank not a bank? Hundreds of millions of dollars have vanished from multiple fintechs, money that was deposited via the fintech apps. Clark did some digging and lets you know what he’s found out. 

• Beware Of Private Placements: Segment 1
• Ask Clark: Segment 2
• Fintech Missing Money: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• A Real-Estate Fund Industry Is Bleeding Billions After Starwood Capped Withdrawals - The WSJ
• Can a Patient Advocate Help With Your Medical Bills?
• How Should I Donate a Non-Working Vehicle?
• 6 things you need to know before donating your used vehicle
• NYTimes: What Happens When Your Bank Isn’t Really a Bank and Your Money Disappears?
• How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts
• Chase’s plan to charge for checking accounts—and how consumers might respond
• Report: The #1 Internet Provider in America
• Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet
• What Is Umbrella Insurance and Do You Need It?

Clark.com resources

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

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Semper Paratus! Clark discusses the CrowdStrike outage and what you can do to prepare for any future tech outages. Also - Even as the economy strengthens, financial struggles are real and persistent for many, made worse by today’s high interest rates. Use Clark smart strategies for handling credit card debt.

• Crowdstrike Lesson: Segment 1
• Ask Clark: Segment 2
• Credit Card Debt: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Global Microsoft CrowdStrike outage creates issues from Starbucks to schools to hospitals
• NYTimes: How to Guard Against Scams Tied to the CrowdStrike Crash
• How a faulty CrowdStrike update crashed computers around the world
• Massive IT outage spotlights major vulnerabilities in the global information ecosystem
• Recovering from the global tech outage could be a long, arduous process
• Largest IT outage in history expected to barely register in the economy
• Air passenger rights - Your Europe
• 7 Things To Know About Costco Pharmacy
• American Borrowers Are on Shakier Ground. These Charts Show Why. WSJ
• Credit Union vs. Bank: What's the Difference?
• Clark Howard's 2024 Credit Card Debt Elimination Strategy
• Credit Score Guide
• Should I Buy Additional Insurance From a Rental Car Company?
• Cheapest Way to Rent a Car: Expert Tips

Clark.com resources

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

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Some home buyers are using mortgage products to make houses more affordable, but these types of mortgages can be very dangerous to your wallet. Also, it’s time to do back to school shopping for many parents. Clark shares tips for saving money on everything from supplies to clothes to computers.

• Dangerous Mortgages: Segment 1
• Ask Clark: Segment 2
• Back To School Shopping: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• More people are taking a mortgage over 40 years – what this means for young people’s finances
• Mortgages Archives - Clark Howard
• How To Open a Roth IRA
• Clark Deals - Tablets / Clark.com - Cell Phone Guide
• Best 2% Cash Back Credit Cards: 9 Options in 2024
• Why Does Clark Howard Wear 2 Watches?

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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Changes are happening at 2 of Clark’s favorites retailers, Costco & Sam’s Club, that members need to know about. Also, Clark talks about why there are an increasing number of brownouts and blackouts across the country and how to be prepared without spending a fortune. Clark Deals - Generators

• Changes At Costco & Sam’s Club: Segment 1
• Ask Clark: Segment 2
• Be Prepared For Power Blackouts: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• New York Post: Sam’s Club members threaten to jump to Costco after wholesale giant chops key perk
• Costco hikes membership fee for the first time since 2017
• Costco to Lift Membership Fees for First Time in Seven Years - The WSJ
• What's the Best Savings Account for a Teenager?
• Fidelity Investments Review: Pros & Cons
• What Is a Fiduciary Financial Advisor and Do I Need One?
• The Best Time and Place To Buy Small Kitchen Appliances
• [The Washington Post] How to power your home through an outage without a gas generator
• Wind energy is on a tear and has beaten coal for two months straight
• Homes into giant batteries: MIT plans energy cement to power your house
• AI is exhausting the power grid. Tech firms are seeking a miracle solution.
• Bitcoin miner CleanSpark buys five Georgia data centers
• Clark Deals - The top 10 deals of the week!
• People aren't spending like they used to

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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Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Seniors are getting scammed more and more. But there are ways to help protect loved ones. 

• Clark Stinks: Segments 1 & 2
• Senior Scam Alert: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Howard's Simple Steps To Get Better Customer Service
• Do Not Give Your Social Security Number at These Places
• 403b Wise   /   What Is a 403(b) and How Does It Work?
• Should You Get a Business Credit Card? | When is it Worth it?
• 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money
• 7 Things To Know Before You Use Zelle
• Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%?
• How To Create a Safe Password
• Scamming Seniors Is a Growing Problem. Wall Street Wants Washington to Stop It
• Elder fraud has reached epidemic proportions – a geriatrician explains what older Americans need to know — The Conversation
• Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when — The Conversation
• Why You Should Never Prepay for a Rental Car
• How To Dispute a Charge on Your Credit Card
• Submit a complaint | Consumer Financial Protection Bureau

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

Clark.com resources

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

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In today’s show - this is an election year, and we don’t do politics here. But we’re hearing all sorts of perspectives from across the political spectrum about whether Americans are doing better or worse than they were years ago. Clark cuts through the clutter to get at what’s really going on in a segment called Clarkonomics.  Also, what’s more American than good old USA legal tender? So what do you do when many places no longer accept cash?

• Clarkonomics: Segment 1
• Ask Clark: Segment 2
• No Cash Zones: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• CEOs made nearly 200 times what their workers got paid last year
• PEW - The State of the American Middle Class 
• Middle-class Americans are falling behind
• When Should You File a Claim on Your Homeowners Insurance?
• One Tech Tip: Use a roaming eSIM on your summer travels to avoid cellphone data fees
• 10 Things Homeowners Insurance Doesn't Always Cover
• Want to Pay Cash? That’ll Cost You Extra
• How to Teach Young Kids About Money
• How to wipe the hard drive of a Windows computer.

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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Today Clark talks about our two biggest cost areas -transportation and housing. There’s good news - and bad, depending on whether you’re looking to buy or sell a used car. Plus, the outlook for new car buyers. And, the American Dream has long included a vision of homeownership. But is it possible to build wealth while renting?

• Car Prices: Segment 1
• Ask Clark: Segment 2
• Wealth Building Rewrite: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• CarMax Stock Rises After Earnings Dip. There’s a Used-Car Shortage
• Axios: Charted: Return of the lower-cost vehicle
• How To Buy a Used Car - Clark.com
• How to Buy a New Car in 5 Steps
• Renting Forever and Trying to Create a Strong Financial Future
• 10 Big U.S. Cities With the Cheapest Apartment Rents
• How To Open a Roth IRA
• Invest & Retire - Clark.com
• Best Online Banks: Free Checking and High-Interest Savings Accounts

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

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

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Today - Clark discusses what’s behind the collapse in customer service over the past 2 years and how savvy companies can distinguish themselves. Also, Tax ID theft remains a growing problem that can impact people for years. Know the two important steps tax filers can take now to protect their identity. 

• Customer No-Service: Segment 1
• Ask Clark: Segment 2
• Tax ID Theft: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Customer Experience Gets Worse. Again.
• Complaints are different when customers think a company cares — The Conversation
• Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card
• BBB-File a Complaint
• NYTimes: First a Victim of Tax Return Identity Theft, Then a 2-Year Wait for a Refund
• NYTimes: Rampant Identity Theft Is Taxing the I.R.S.
• How To Deal With Tax Return Identity Theft
• Why You Do Not Want To Get a Big Tax Refund Check
• Reduce your withholding to beat tax refund ID thieves
• Why automatic savings works: How to do it & the best ways to save
• Get An Identity Protection PIN | Internal Revenue Service
• Rolling PWN Attack /  How to protect your keyless car from theft
• Scam Alert: How To Protect Yourself From Voice Cloning

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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In this episode - A new stat reveals what percentage of parents go into debt taking their children to Disney. You won’t believe it. Plus Clark has good news & booking tips for fall travelers. Also, AI is certainly shifting the landscape of many industries. So how can workers prepare for the changes it will bring?

• Disney Debt & Fall Travel: Segment 1
• Ask Clark: Segment 2
• AI & The Job Market: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What's the Best Way To Get a Deal on Disney Hotels and Resorts?
• Disney trips lead to debt for almost 50% of parents with young children, study finds
• Holiday Travel Is Booming. Why Are Airlines Doing So Badly? WSJ
• Beware of This Hot Vacation Rental Scam
• When You Don't Need 'Cancel for Any Reason' Travel Insurance
• Cancel for Any Reason Trip Insurance: Should You Buy It?
• How to post a hotel review online without getting any blowback
• BBB-File a Complaint
• Five things Gen Z should do to prepare for AI in the workplace
• How To Prevent, Report and Repair Identity Theft
• How to Freeze Your Credit With Experian, Equifax and TransUnion
• FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans
• Liability vs. Full Coverage: Which Auto Insurance Do You Need?

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, Clark discusses how he handles prescriptions in order to save money, and announces our new cash back credit card tool at Clark.com 

• Clark Stinks: Segments 1 & 2
• PBMs and Your Rx Costs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• CREDIT CARDS - Clark.com
• Why Our Travel Expert Thinks This New Tool Is a “Game Changer”
• 7 Ways To Maximize Credit Card Rewards in 2024
• ICS® & CDARS
• Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?
• Warning: Why You Should Never Buy Visa Gift Cards
• What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature?
• NYTimes: The Opaque Industry Secretly Inflating Prices for Prescription Drugs
• NYTimes: What to Do if You’re Overpaying for Prescriptions
• Amazon Pharmacy expands $5 monthly subscription to Medicare patients
• 10 Ways To Save on Prescription Drugs
• Will Mark Cuban's Prescription Company Really Save You Money?
• Team Cuban Card - Home
• Hospitals Are Refusing to Do Surgeries Unless You Pay in Full First

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

Clark.com resources

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

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

Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information.

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