The Clark Howard Podcast

By Clark Howard

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Category: Investing

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Subscribers: 1616
Reviews: 5

CB
 Apr 24, 2019
Never miss an episode, as Clark Howard always seems to have something helpful to share.


 Nov 18, 2018

Tony
 Oct 23, 2018
Clark has saved me more money than I can count. My current cell phone bill alone is $110 for SIX phones, all unlimited. Thanks for all you do, Clark and the Team.

Bruce
 Oct 20, 2018
Narrow-minded and lacks the ability to makes calls relevant to the broader audience as opposed to the singular caller.

mmgapeach
 Jul 27, 2018
excellent. we'll put together and informative

Description

Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

Episode Date
10.15.19 Big strides in renewable energy; What to call fake meat?; Cost of cars over time
2317
There are now more people working in wind / solar energy in the U.S. than in coal mining, which has become an industry in retreat. It's now cheaper to generate power from wind or solar, depending on geography. The new energy outlook from Bloomberg reports that wind is THE cheapest way to generate power in the U.S. In 2/3 of the world, solar and wind are more economical than even natural gas. Power companies are fighting in state legislatures and with utility, regulators to prevent consumers from a cost-effective home solar option. They see the threat and want to own solar to continue to supply power. Regardless, the mix of power is changing and costs will be coming down. Traditionalists claim wind and solar are intermittent and therefore unreliable sources of power. But battery backup provides the solution there, and these batteries are also getting steadily cheaper, along with solar panels. Better and cheaper in a continuing cycle brings these technologies to bear. The benefit flows back to consumers. More states are passing laws infringing on First Amendment rights for food producers to name their food. Missouri cattlemen are threatened by plant-based meat substitutes. Other states have joined in passing label restrictions. They should not be permitted to interfere in the free market flow of information. The clarity for consumers, not confusion - should be the priority. Edmunds reveals that the average loan amount to buy a new vehicle is $32,590. AAA reports is costs $774 per month to operate a new vehicle: Depreciation, the loan, insurance, fuel & maintenance. Many would-be new buyers are opting for used for more affordability. Meanwhile, the average length of a vehicle loan is just under 70 months, almost 6 years, putting the buyer upside down for the duration. Many will tire of a vehicle before paying it off and create a negative mountain of debt by trading in before the loan is paid. The trade-in loan is rolled into the purchase, leaving the buyer even MORE upside down. STOP! 10K a year just for transportation calls for a rethink. Is your old car working fine? Do you REALLY need a new vehicle? 4-year-old vehicles are the sweet spot in the market now. AAA reports electric vehicles to cost half of what gas engines cost per mile to operate. Within 2 years the compelling price argument for buying electric will be overwhelming. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 15, 2019
10.14.19 Is texting or email safer?; Concert promotion scam; SEC opens an investigation into 403b's
2323
There’s  increased interest in protecting privacy. We forget how things we say aren’t private in this electronic era. Text messages aren’t really private. But there are things you can do to protect privacy. When both parties use an encrypted third-party texting app – only the recipients get your text. WhatsApp, owned by Facebook – is a secure texting app so far, used by ¼ of the world’s population. For business and other proprietary transactions and for consumers, Signal is used for privacy protection as well. ProtonMail is great for protecting email communications.  For Apple users, iOS 13 is coming with a variety of privacy improvements. Tech writers are recommending waiting a few weeks before download, as they’re still working out some bugs.  Apple’s iOS 13 will provide auto burner-email addresses when you sign up with a company to prevent email spam. This allows you to hide your real email address. Con artist Andres Fernandez has been convicted for wire fraud, after stealing $31M claiming he had an opportunity to produce and promote concerts. There were no concerts. This Ponzi type scheme has been around for a century, but there’s been a great acceleration recently. Be very skeptical when you’re promised a private opportunity to score big money.   Police officers, fire fighters, teachers and other state and local government workers get ripped off on their retirement savings. It’s common that 403b and 457 plans these workers are shunted into, cost 100 times the cost of a corporate 401k plan. Inexcusable that those working for the public good are taken advantage of in their retirement plans. There’s no excuse for this. Federal workers enjoy the TSP, costing about 1/50th of what state and local gov workers pay. Thank Congress for not caring about workers who earn less by serving the public. FINALLY – the SEC has launched an investigation of the insurance companies that rip people off in these plans. For affected workers, instead of putting your money into these plans, fully fund a Roth IRA with an ultra-low-cost company. Only contribute to a 403b or 457 plan proven to be low cost, only up to the match. Past that, open a low-cost Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 14, 2019
10.11.19 FCC battle vs states over net neutrality; Clark Stinks
2307
The FCC doesn't want states to be able to implement their own rules surrounding net neutrality. Clark explains what this court battle means for consumers and the future of our TV and internet usage. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 11, 2019
10.10.19 How tariffs are playing out; Watch out for crafty MLM's; What if your luggage gets damaged?
2308
New tariffs will protect Boeing and hurt Airbus. The new tariffs could also mean higher prices on food and drink.  AdvoCare has been fined $150 million for running a multi-level marketing scheme. The FTC has called it a pyramid scheme which means that AdvoCare pressures sellers to bring in new distributors. The emphasis is less on selling products and more on recruiting new people. Don't sign up for an MLM. 99% of people lose money. Clark discusses how to protect yourself if your luggage winds up missing or damaged while traveling. Stick up for yourself and push for a solution! Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 10, 2019
10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?
2312
We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay.  Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get.  The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop up every season, most around PCH - a legit, high-interest organization and popular target for scammers. The Fraud Watch Bulletin reports 2 versions big right now. One comes as a phone call pretending to be from PCH saying you've won and need to wire fee money. The other is a small fake check, requesting you wire money to receive the big check. Both bogus. PCH reminds all they never ask winners to send fees, taxes or other money to collect a prize.  Pre-teens and teens pretty much spend whatever money they get. For school-age kids, money burns a hole in their pocket and vanishes. The American Institute of CPAs does an annual survey of allowance and finds the average kid in the U.S. now receives a weekly allowance of $30. That's doubled in just 3 years. Parents have lost their minds. Clark has recommended stepping up allowance yearly. The amount can match their age or grade and should be used to teach. The 3 jar system is a known method. Allowance is divided 3 ways: for spending, savings, and charity. Allowance should be in cash to teach the finiteness of money. And with an allowance comes responsibility. Parents give the money and should set ground rules about allocation - 3 jars or something similar. The savings can be for any specific goal chosen by the kid. Create a sense of purpose for money. If you just hand it out with no guidelines, they learn nothing and it disappears. Parents must teach the concept of spend and save.  Giving can be time or $  for charity.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 09, 2019
10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics
2323
Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too.  AT&T – get your act together.  A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid. Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a football game together. As their pictures circulated, ugly reaction ensued, with some referring to Bush as the ‘enemy’.  After all the mean-spirited postings came an enlightened one which expressed that seeing Ellen and George Bush together restored their faith in America. When we lose sight of the fact that we’re all Americans in this together, we make our country weak. People we disagree with are still our fellow Americans.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 08, 2019
10.7.19 Google gives you more control over your data; Veterans wrongfully denied coverage; ATM fees
2316
Current privacy concerns have Google in the spotlight. Google lives in fear the U.S. will finally pass privacy laws outlining restrictions and consumer rights, as exists in Europe. The Right to be Forgotten and to control online info in Europe puts them way ahead of the U.S. in the privacy realm. Google’s preemptive strike is a newly launched activity suite tool allowing users to better control their info and have their tracking data wiped automatically.  Sign into Google. Type in myactivitiy.google.com. There you’ll see everything Google has on you – massive. Then you have the right to have them wipe out everything 90 days old and older. You can choose 90 days to 1.5 years to let Google retain your activity info until they delete it. The Inspector General is like the cop inside a federal agency there to expose wrongdoing and enforce the law. The  VA Office of Inspector General found that 1 in 3 veterans who’ve sought emergency healthcare, are denied their medical claims by the VA, even when perfectly legitimate. Inexcusable and Unacceptable. The men and women who have served and put their lives on the line for American freedom deserve to have the promises made to them carried out. The average ATM charge in the U.S. is now $4.72. The cost to a bank is around .02cents. Beyond outrageous. Why do they do it? In the aftermath of the last decade’s banking scandals, the federal government bailed out the big banks and let small banks sit and spin. This led to a massive closure of smaller banks, and thus less competition. 4 big banks now have half of all banking market share. ATMs are disappearing around the country as people use less cash these days. Also, we now have an ever-expanding roster of online banks, offering lower costs and far better savings rates. The big banks pay essentially 0 on savings vs around 2% offered by online banks. And – credit unions have filled the void left by small local banks going away. Credit Unions provide much better deals than banks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 07, 2019
10.4.19 Cheaper 401k plans for small businesses; Clark Stinks
2317
Roughly half of us have no access to a retirement plan through work. Most small employers don’t know how to make this happen. If they go to an insurance company or bank, they face extremely high costs and employees pay the price, making the plan essentially a rip-off. So many just give up. A new federal rule just went into effect allowing small employers to team up to create group buying power for lower costs. These can happen through Chambers of Commerce and industry trade groups. We’re about a year away from this taking hold. But don’t wait. There are companies offering 401k plans for small businesses. Betterment has one at a reasonable cost. Employees – if your small-midsize employer does offer a 401k – understand the fees. If it’s a high fee plan, contribute only up to the match,  open your own Roth IRA with a low-cost company and make your contributions automatic. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 04, 2019
10.3.19 How to avoid fraud; New hires not showing up to work; Short-term rentals becoming more popular
2306
NEVER NEVER NOT EVER publish your birthdate and place of birth online or on social media. Why? That's 98% of what a crook needs to steal your identity. Also, when you get the 'magic formula' investing pitch - know to RUN. No-one legit can promise great results using their strategy - red light / green light investing systems - NO. Don't ever believe it. DO NOT answer your phone if you don't know who is calling. If caller ID says your bank or a government agency is calling, don't answer. Nothing good comes from it. New hires are being no-shows on day one and don't think it's important to let the employer know. Clark's eldest daughter did new employee orientation at a bank. Every week, new hires would be no-shows without notification. Some of these jobs were executive level. There are multiple reports of this happening in the retail and restaurant industries. Job markets are not always strong. It doesn't serve you to blow off a job offer. Have the decency to send a thank you note, to communicate, to be respectful, to notify.   Roughly 1 in 3 folks are renters as the market is shifting throughout the country. Apartment overbuilding has resulted in more deals for tenants. Marketwatch reports that - desperate to sell condos or rent apartments, landlords are marketing properties that can be turned into Airbnb rentals. This is different than resort-type condotels - owned hotel rooms that are rented out most of the year.  A condo buyer could find themselves surrounded by short-term renters via the developer. This is the opposite of the HOA vs Airbnb conflicts. There's a lot of shakeout with short term rentals - an area of constant change around the country. Condo buyers and apartment renters be aware of the policies. Know in writing condo/apartment policies or you could find yourself surrounded by transients.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 03, 2019
10.2.19 Credit score drops; Investment cons are alive and well; When to ditch an old car?
2280
We borrow principally for a home, vehicle, credit cards, student loans. A long-held frustration is how scoring models punish you for eliminating debt. Paying off a loan (other than credit cards) could drop your score 50 points. Don't worry about it. If your score is healthy enough, the payoff score pinch does not matter. You DO NOT raise your credit score by leaving a balance open on a credit card. That's a myth you pay interest on. With cards, using very little of your credit and paying on time boosts your score.  The Securities and Exchange Commission ( the Federal agency overseeing the investment industry)  reports that in recent years, 4.3 million Americans have been ripped off in investment schemes. The average loss: $150K. Historically the cons target small business owners, entrepreneurs, and senior citizens. The promise of non-traditional investments have of late touted 8-12% returns - which may appear initially, till the scheme collapses leaving its victims broke.  Many times people dump their old car because it's no longer reliable. That's a good reason. But when it comes to the dollars and cents of this, Clark and Consumer Reports differ. Consumer Reports advises that when the cost of repair exceeds the remaining value, that's when it's time to let go. Clark recommends when the cost of a repair exceeds 50% of the remaining value - that's when to dump it. Ironically, you may need to pay for the repair anyway in order to trade/sell it. Otherwise, you get clobbered on value. Most people tire of and dump a vehicle prematurely and that is expensive. The longer you keep a car, the better for your wallet. The depreciation curve is a dive through the first 4 years, into gentle decline, as your money works for you. As the vehicle fleet steadily moves to electrics, they're more reliable. Today batteries are much more efficient. The cost of ownership on electrics is much less than gas engine cars. The best deal: Buy a used electric car and drive it for a long time.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 02, 2019
10.1.19 Schwab eliminates trading fees; Using your credit card overseas; Getting married in a diamond store
2320
Southwest is having a sweet sale right now! An all-out price war to zero is underway with small company Interactive Brokers and giant Charles Schwab. Both are ending commissions on stock trades. Buying and selling stocks and ETFs will be commission-free. This will penetrate the investing world, with discounters also going to zero. This started earlier this year with Fidelity Zero, offering free mutual funds – no account minimums required. The ability to invest at zero cost is taking hold in the marketplace. Fidelity and Schwab are both trying to deal with the Vanguard juggernaut. Co-op Vanguard, operating as a credit union for investing, has taken investing market share gains for the last 7 years. As these behemoths compete, investors win, regardless of which one you choose. Meanwhile, those still investing with banks, full commission stockbrokers or insurance companies pay massive fees. Invest for free, to keep your money working for you. There’s a common rip off for credit card users traveling overseas. Often upon card payment, the processing machine will automatically convert your charge from the local currency to U.S. dollars. This is done to rip you off on the conversion rate. When overseas, NEVER EVER EVER say yes when asked if you want to pay in U.S. dollars. Be aware many Visa / MC banks are automatically putting the purchase in dollars, and you need to override that into local currency. The difference could be as much as 10%. Watch closely while purchasing. Before you sign any charge slip, make sure it’s NOT processed in dollars. You always want the charge in local currency. Today many cards don’t charge foreign currency junk fees. AMX doesn’t do this. See Clark’s guide to save while traveling. Survey says, of people age 38 and under, over 90% would consider eloping over a traditional wedding. The reasons: to save money, avoid wedding planning and make the event more personal. Destination weddings are expensive and limit the number who can be there. Helzberg Diamonds offers a wedding service with ring purchase. No hoopla. People used to go to Vegas for a simple, quick and cheap wedding. Now, just go to the mall to Helzberg. 1700 Helzberg employees are ordained / licensed to conduct marriage ceremonies. If you’re planning a post wedding party, don’t mention the word ‘wedding’ to any vendors involved or the cost can triple.   Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 01, 2019
9.30.19 Another reason not to use debit cards; Payroll company scam; Hotel deals are coming
2318
Over the last week, there have been several stories published about why you should stop using a debit card. When you present your card in person, the merchant is protected. But when you shop online the liability moves from the banks to the merchant. The MRC reports that now over 8 in 10 cards have been compromised. If you carry 5 cards, crooks have the goods on 4 and may get around to using them. That exposure includes debit cards, enabling the criminal to strip the funds out of your checking account, leaving you to fight with your bank to get that money back, which is becoming increasingly more difficult. A special warning for small to midsize businesses. Recent press recounts a bust-out by a payroll company. Once this company had a healthy roster of clients, they vanished in the night stealing $35M. A crooked company could destroy your business and/or employees. Ask: How are payrolls protected? What insurance do you have? How do I know I can trust you? Ask these questions before you choose a company that may leave you, your company and workers high and dry.  Renting apartments and hotels has not been a bargain in recent years. Apartment rates have been going up since 2011. Hotel rates have risen since 2012.  Both sectors have been building like crazy. There's an enormous stream of apartments coming online leading to oversupply and better deals. The hotel sector has been overbuilt at a frenzied pace, even as business travel is slowing.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 30, 2019
9.27.19 Grocery story happy hours lower costs and prevent food waste; Clark Stinks
2278
By most estimates, 40% of the food in the U.S. is tossed – from expiration, restaurants, grocers. Some supermarkets route expiring food to food banks, but only a fraction. Some bagel shops sell them at 75% the next day. Some convenience stores sell off pastries at discounts to clear them out. U.S. restaurants have always served larger portions than elsewhere in the world. Our supersize mentality results in leftovers, which often get wasted. Some restaurants give you 2 price points to include a smaller portion. There are simple things we can do to reduce waste. Supermarkets should have an automatic strategy to mark down items at expiration. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 27, 2019
9.26.19 Apple & Google get into gaming; New tax form for seniors; Negative interest rates
2309
A gaming war is underway between Apple and Google. Both are offering subscriptions. For a monthly fee you get a number of games with no in-game purchases or ads. Apple Arcade is $5 a month, Google PlayPass is $1.99 a month for the first year, and then to $5 reportedly. Check out both.   There's a new tax form that makes it easier for senior citizens to file their taxes. Clark’s been talking about interest rates dropping The best rates now are around 2.4% - .5 lower than a couple of months ago. In parts of Europe, savers PAY to save – with negative interest rates. Trump recently suggested the Fed should cut rates to negative levels. But this can lead to extreme economic problems. When the economy slows the demand for borrowing slows. Savings institutions don’t want deposits and cut rates as a deterrent. If they have fewer borrowers, they don’t need the deposits and cut rates on savings. Things would have to get much worse for this to kick in here. It likely won’t come to negative interest rates. But since rates are headed lower, if you have savings you don’t need, lock in the rate in a one year CD. Traditional banks already pay nearly nothing. Don’t save there. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 26, 2019
9.25.19 Open enrollment; Massive airline fees; Hot deals today
2329
We’re nearing open enrollment. If your employer offers the option of a lower payroll deduction for a high deductible health plan or higher pay deduction for a lower deductible plan – It’s usually best to pay the higher premium, especially if you have health issues. Due to backlash, more employers will offer the option to pay more for a lower out-of-pocket. High deductible plans can be HSA eligible – a tax-advantaged account for medical expenses. Many employees don’t fund their HSA – which allow medical payments with pre-taxed dollars. Then they’re hit with bills they must pay with after-tax dollars. Fund an HSA – it amounts to a 20 to 37% discount on medical bills – depending on your tax rate. It’s important to have disability insurance. You have a 3 times greater chance of becoming disabled than dying during your core working years. Social Security disability is an arduous, lengthy process and is often denied. Take what your employer provides for free and beyond that, buy your own policy.  Airline junk fees amount to $35B per year – this is true will all airline except Southwest. American, United and Delta advertise low fares, and the sell you up to fares way higher with all kinds of fees. United alone charges a huge fee for carry on now, taking that cue from the hard discounters. Before you buy, know what all the fees are and what you can handle. Clark and Deals Producer Charis talk about a recent Clarkdeals.com survey and the best deals around the web today Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 25, 2019
9.24.19 How to stop SIM swapping; Digging up dirt on Amazon; Your TV is spying on you
2318
Your phone may power up, but if your service is dead, that could be SIM hacking. Crooks have penetrated operations of the big 4 cell provider to hijack service. Because of the Equifax data breach, criminals know who has money,  target individuals and steal their phone service via phone to usurp 2-factor authentication text codes so they can penetrate financial accounts. The go in a setup wire instructions to send money overseas where it can’t be reclaimed. While financial companies investigate, you’re broke. Get the anti-fraud guarantees and / or written fraud policy info from your financial institutions. Verizon, T-Mobile, Sprint and AT&T have been scrambling to come up with new preventive procedures. Two carriers have gone to no porting meaning you put in place a standing order not to port your number from that carrier. This is another layer to protect your identity, and existing accounts, whereas credit freeze helps prevent fraudulent new accounts.  There’s is a fake grass-roots organization called Free and Fair Market Initiative. The WSJ reports this outfit is principally backed by the Simon Property Group – the big owner of malls around the country, suffering from Amazon taking 6% of retail market share. In addition to Simon, they’re funded by Walmart and  Oracle (a web service competitor). There are plenty of reasons to talk about a company legitimately without sullying their reputation falsely because you’re afraid of the competition. Shame on Simon Malls, Walmart and others, funding an effort to slam Amazon. Two years ago there was a scandal involving Vizio TVs spying on viewers – collecting and selling data to aggregators for ad servers. Piercing people’s privacy, Vizio figured out how to monetize viewing. Update: That problem has gotten worse. The average Americans spends 3.5 hours a day in front of a TV. Since Vizio faced minimal consequences, now other TV makers are up to the same thing including Samsung, TCL and LG.  These makers account for most of the TVs sold in the US. Princeton came up with software to track how this is done. Data houses link up what you watch with your phone,  computer and even purchase activities. Laws designed to protect us are not being enforced. DC’s emersion in senseless partisan battles creates a vacuum that allows for enormous violations of our privacy. Europe’s Right to Be Forgotten gives citizens there the right to shut down data harvesting. When our Congress begins to actually serve the people, we need to have privacy laws in place and enforced that clearly provide protections to the American people. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 24, 2019
9.23.19 Forced arbitration clauses stink; Government database breaches; Best time to buy a home
2324
This summer came reports that cell phone carriers have been tracking and selling consumer location info. Lawsuits have been filed against AT&T for this practice, selling to 2 partners without consumers’ knowledge. But AT&T is hiding behind the arbitration clause buried inside consumer contracts, even though they’ve engaged in  illegal activity. Clark is diametrically opposed to mandatory arbitration. If both parties are for it, fine. But ALL – 100% of arbitration forums between a business and consumer or employee are rigged in the company’s favor. The U.S. House just last Friday approved a bill outlawing mandatory arbitration – which is fantastic. The Senate remains a question mark. We live in a society where the deck is stacked with unfair rules against consumers and employees. The bigs have too much power and use it to our detriment. Kangaroo court arbitration is a manifestation of that. Hopefully, the Senate will follow the House lead. AT&T broke the law and it’s reprehensible they hide behind arbitration.  Arstechnica reports the hack of city & state government payment portals, compromising people’s credit cards in all 50 states. If you use such a government portal – do NOT use a debit or enter your checking account info. If you pay on a gov portal, use a credit card. Credit cards have protections debits do not. Yahoo mail had a massive data breach and settlement info is now coming out for those with Yahoo email between 2013-2016. Watch for your class action notice and make a claim if this affects you. This data is based on the scarcity of buyers post Labor Day, while the number of homes available isn’t much less than the peak season from March to May. In many areas, an agent listing agreement runs for 6 months. Clark sees a more important bargain window November thru mid-January. That 11 week period is potentially the ultimate bargain week for buyers. It’s true there are fewer properties listed for that time period.  They may be listed for many reasons – estate sales, job transfers, divorce – people problem sales, which put the seller in a weakened position, outside normal cycles. During the holidays, the number of people looking to buy drops dramatically. But there are still wounded duck properties on the market. Clark believes the greatest opportunity to get a deal is late fall through early winter. That’s when a buyer looking for a bargain will find it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 23, 2019
9.20.19 Verified emails with watermarks are coming; Clark Stinks
2299
Deleting financial emails has become standard consumer behavior, due to so much spam. This has become a frustration for the financial services industry. Their legit emails aren’t getting through. So a new industry standard has been developed for a verified certificate for real financial emails. Many organizations including Google worked on this tool, which validates that a logo is authentic. It’s a digital symbol you’ll see but you must know to look for it. The validation process, in theory, is designed to prevent scamsters from coming up with their own fake mark. We’ll see over time if the verified mark is effective. Be aware of this initiative. Still true advice: Do not click a link or call a number in any email. Go outside the email to verify the email or web address or phone number of a business you’re attempting to contact.  Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 20, 2019
9.19.19 New Walmart credit card; People love to help; Factors that make car insurance cost more
2303
With new partner Capital One, Walmart is offering a store credit card or a co-branded Walmart Mastercard. With the use of their app tied in with a Capital One credit card, you get 5% off purchases in-store for a year, 2% after that.  Walmart.com purchases with their card maintain the 5% discount after the first year. As the 3 titans of retail – Amazon, Walmart and Target continue to slug it out (Costco in a class by themselves) – consumers benefit. Loyalty discount cards are the game plan.  In a world of bad news, know you’re surrounded mostly by good people. American Psychologist published a study about bystanders confronted with fellow humans in trouble. The common belief is that most people do nothing to help out strangers. Now there are security cameras in metros all over the world, giving an opportunity for researchers to observe human behavior. In danger situations in 3 different cities, bystanders intervened to calm, protect and stop conflicts 91% of the time. The more bystanders there are when trouble starts, the greater the change some will step in to help – safety in numbers. Often when called upon, humans wish to do the right thing. Knowing why auto insurance rates go up, helps you keep them down. Here's what you need to know: 1. In almost all states insurers can set premiums based on your credit score. 2. The Consumer Federation of American has found that your zip code is a factor. 3. Do not purchase roadside assistance from your auto insurer. They count this as a claim as an excuse to jack your rate. They even put it on your CLUE report to hose you with any other insurer. State insurance regulators should prohibit this practice of cheating customers. Don’t have this benefit unless you get it writing that roadside assistance will NOT constitute a claim. 4. Many states allow using divorce to raise rates, kicking you while your down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 19, 2019
9.18.19 Fed rate cut impact; Twisted tax law hurts military heroes; Medical bill shock
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The Federal Reserve lowers interest rates again to reduce the severity of economic slowdown and to help prevent a recession. The Fed is acting defensively. This will lower interest rates for car buyers and on credit cards. HELOCS historically follow, but many banks put a floor in recent contracts. Re-shop to get a lower rate if need be. Saver rates decline as well. Online bank savings rates have already dropped about 1/3 of 1 point.  The smart move now is to lock in money you won’t need into a 1 year CD to earn more. Oddly, when the Reserve lowers their rates, mortgage rates often rise to compensate for inflation long term. But if the economy slows, you’ll see mortgage rates go down. Two years ago with the new tax bill, Congress made a mistake that has dramatically affected military families. Gold Star families are entitled to survivors’ compensation. Congress made a clerical error, changing the tax on those benefits from 12 to 37%. This is punishing families who’ve already made the ultimate sacrifice of losing a loved one in service. The U.S. House passed a bill to fix this last spring 417 to 3 – basically unanimous. Now that correction is tied up in the Senate and Mitch McConnell will not allow this to be voted on. This needs to be fixed now. Kaiser Health News has exposed the UVA Medical Center for ruining lives by confiscating homes and garnishing wages under a hospital bill shock system exploiting state codes to sue people blind. This after billing at rates way beyond what’s reasonable and customary. UVA isn’t the only perp here. Recent stories expose medical providers in TN and GA. No one in medicine is interested in telling patients what treatment will cost. One consumer was given a quote yet was billed 52 times that amount after a procedure. What does it take to be a consumer? You choose what you buy, based in part on known costs to fit your budget. Healthcare is the only thing that doesn’t follow this.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 18, 2019
9.17.19 Gas price fluctuations after Saudi attack; Equifax breach settlement follow-up; How gig workers get paid
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Saudi Arabia represents a huge percentage of world oil production. The recent drone attack took half their production offline. But it appears they will be back to full production in a matter of weeks. In addition, fall is a slow time of year for oil consumption. After Labor Day, demand declines. Factor in recession in some countries and a slowing U.S. economy bringing down demand. Meanwhile, U.S. production has increased. A decade ago, the U.S. produced little oil, and faced shortages driving up costs to $147 a barrel, compared to $60 last trade. We may see a brief minor spike in prices at the pump. Equifax conned the states and the Feds to reduce their settlement liability to $125 per affected person and is still hitting back over the number of applicants. Now that want you to verify information again. You have 4 weeks to reverify your application.   California has passed legislation making app-based workers employees vs independent contractors, starting in January. This includes Uber, Lyft, DoorDash and the like. There’s been a large movement by employers pushing the private contractor designation, to avoid paying benefits. We need a class of employment falling somewhere between a contractor and full-time employee. Uber and Lyft predict their labor cost will rise 20- 30% in California from this change. This current system of off or on is exploiting and harmful to workers. Ratio employment would help ease the income inequality problem in the U.S.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 17, 2019
9.16.19 Car rental warnings; Update on Apple's battle with independent repair shops; Scientific study touts benefits of being an optimist
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Clark recently returned a rental car. He had 5 pics of the car. Why? After returning, sometimes weeks later you may get a notice saying you owe for damage. They may have already charged your card for the damage. All contracts say your check-in slip is subject to later inspection and damage charges. Clark takes pics of the car upon return, so if this happens later – he’s got dated pictorial proof. Clark had noted a ding and windshield chip on the initial ticket. You’ve got to protect yourself. Also, for at least 20 years Clark has advised travelers to rent from an off airport rental site to save money. Many airport rentals come with massive junk fees. Because many people have been avoiding airport rentals, cities are fighting back by imposing nuisance fees and requiring affidavits. If you pick up a non-airport rental in a metro with an out-of-state license you must sign an affidavit stating you did not fly in the last 12-24 hours. Clark’s nomad brother rented a car this way for one day, then turned it in for a longer term rental having satisfied the time limit – to save big money. It’s work, but you have to know how the car rental game is played to avoid getting burned. Previous Clark Rage: In order to maintain an Apple controlled monopoly, Apple had been refusing to supply parts to independent repair shops. This lead to legal action and resolution. Apple is now selling parts and allowing access to manuals to independent repair shops. This will give users more choice and competitive pricing, and ease the repair backlog. Instead of industries operating closed shops, the free market should rule.    Clark has been accused of being unrealistically optimistic. He’s OK with that. The National Academy of Sciences Journal published a Boston U School of Medicine study finding tremendous benefit for inherent optimists. Men and women innate optimists have around 15% more longevity, accounting for other factors. Optimism was found to be about 25% genetic. That means 75% is in our control. Optimistic women are 50% more likely to see 85 or older. Optimistic men are 70% more likely to see 85+.  The study found that positive people recover from illness, injury or surgery sooner and are generally healthier.    Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 16, 2019
9.13.19 Gaming addiction is now considered a psychological disorder; Clark Stinks
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The World Health Organization has declared excessive gaming a psychological disorder.  A MarketWatch survey reveals the number of people spending an hour or more a day playing video games increased 20% over the last year. Many believe they'll go pro and earn a living and become reclusive and obsessive in the endeavor, gaming constantly. For parents, it's a tug of war you want your kid to win, so game time should be strictly limited.  Who knew the pro athlete mentality would translate into gaming.  The winner of a Fortnight competition won $3M, reinforcing others to abandon all else for gaming. But, for athletes and gamers, almost no one makes the cut as a pro and those who do have a short career.    Clark answers his critics on Clark Stinks.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 13, 2019
9.12.19 The dangers of annuities; Criminal investigations of insurance claims are on the rise; Clark's advice using instant payment apps
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Beware of annuity sales. Annuity sales subsided when fiduciary rules were in place - rules that have now been pushed aside, causing new sales to skyrocket. Insurance companies and banks push these because they have humongous fees and commissions. These contracts allow the insurance companies to change the terms at any time and the tax treatment is generally not favorable. When you're getting a vague investment pitch ASK if it's an annuity. If so, walk away. File an insurance claim, and the next thing you know police are accusing you of a criminal act. It's happened. When shopping insurance, make sure the company is solid. Clark routinely recommends choosing insurance  companies that get the highest ratings. Cost is secondary in this area. A Buzzfeed investigation reveals some insurers investigating big claims, will direct law enforcement against the insured. Clark had a co-worker who had just moved, suffered a fire, and was accused of torching his own house. Insurers working with police to start a criminal investigation to delay or deny a claim - this is hopefully rare but raises the stakes on how important it is to be with a company that rates high in serving customers. Don't just go with the cheapest insurance company.   The Cash app has now eclipsed Venmo as the top app for sending money to family and friends - special emphasis on family and friends only. These apps operate efficiently, making it easy to send money. When shopping online, particularly with sites like Craigslist, eBay etc - if the seller requests payment by one of these apps, consider that a red flag for a con. They vanish and your money is gone. ONLY use apps to pay someone you know because once you pay, the money is gone. Zelle is being pushed by banks but does not have any meaningful consumer protections compared to Cash app and Venmo.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 12, 2019
9.11.19 Permissions and privacy issues with family tracking apps; Robocalls are still surging; Hydroponics and the rise of controlled agriculture in America
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Clark's family uses the Life360 app, allowing everyone to know each other's location. Teens use such apps, including Apple's Find My Friends, Google Maps location share & Snapchat -  to keep up with friends. What are these apps doing with the info? What are you permitting them to do? You can choose to wipe history clean. With any of these free services, the apps can make money with the info we're sharing. Location sharing can be very loaded and problematic in relationships and you should consider this before signing up. Also, know that teens can get around some of these location services, so you need to use it with their cooperation. The scam calls keep coming. Major cell phone carriers are starting to validate traffic with each other, but there are still many fake calls coming in. Follow this simple rule: Only answer the phone when you recognize the person calling. If caller ID says it's a business or government agency, only answer if you're expecting the call. Otherwise let it go to voicemail and you can call back if it's legit. Don't trust Caller ID. It's past broken There are moves around the country to grow food in warehouse environments. Advantages: Climate control, water conservation, no pesticides for easier organic certification. The WSJ reports a company building a 60 acre greenhouse, offering exponentially more productive than farmland - 50x over the output of traditional agriculture over the same acreage. Other countries are further along in this pursuit. Controlled agriculture lowers risks from the elements and allows us to increase our domestic food supply. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 11, 2019
9.10.19 Artificial intelligence based lie detector created for airport security; Beware genetic testing scams targeting seniors; How Clark Team member Chelsea helped her dad save over 3k a year.
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We face many challenges with how to use technology for security. There's a race to develop screening tech to quickly assess facial images and determine threat levels. AI systems are being developed along these lines, including one called the Avatar (Automated Virtual Agent for Truth Assessments in Real time), a system using AI techniques to assess threat levels, funded in part by the federal government. The subject answers questions on camera during the assessment. The developers claim only 80% accuracy.              A cold call lab test scam is costing people their identities and money.  Kaiser Health News reports on an ongoing scam operating around the U.S. wherein senior citizens are contacted and told they're due for Medicare directed testing. Contacted by criminals receiving kickbacks, by phone, in person or on social media, the senior may even be driven to undergo genetic testing that Medicare is then grossly over-billed for.  Make sure your loved ones know not to agree to any test unless ordered directly by their doctor.      Save more, Spend less- Team Clark lives this. Team member Chelsea helped her Dad, a small business owner, save over $3,000 a year by cutting 3 monthly bills one Sunday afternoon. The task took 2 hours. Chelsea knew how he could save on cable, internet and cell phone.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 10, 2019
9.9.19 Making prescriptions cheaper; Living paycheck to paycheck on a high income; Safe deposit boxes aren't safe
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Government attempts to rein in prescription drug prices haven't worked. We have the most expensive med prices on the planet. And the way we get and pay for meds is changing. Some doctors have dispensing machines for routine meds in their offices. GoodRx is a force for negotiating lower prices and comparison shopping. The next wave may be online sellers. Amazon has bought into the industry - not a big play yet. But there will be incentives with employer plans to fill prescriptions with online providers. The key to lowering costs is being prepared at your doctor appointments to proactively ask for cheaper Rx alternatives. Have the $4 list from walmart.com. And employ GoodRx and other discounters - while in the office, before you have to go pick up a medication.  MarketWatch reported on a couple reaching out for financial guidance, unable to make ends meet on $500,000 a year. They could easily live AND be saving huge, but their expenses are crazy. Beware what economists call 'the marginal propensity to consume' - As income goes up, so go people's expenses. Control impulses and wants or you could end up in a financial hole no matter how much you make.  Safety deposit boxes were not safe at all. New bank terms of service have removed their liability for theft or any other circumstance. The NYT reports how banks have washed their hands of this and regulators do nothing about the disappearances. The situation is so bad, if you have items of value, have your own fire safe box in your home.   Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 09, 2019
9.6.19 Clark creates a $500 savings challenge; Clark Stinks
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We’re 10 years into economic expansion and people are still struggling. Most are in debt and unprepared for any unforeseen expense or emergency costing $400 or more. Hopefully, this economic downturn won’t turn into a full-blown recession, but we’re already getting calls from people who’ve been laid off. We are in a slowing time of uncertainty, so we need to prepare as we can. Recommendations for having 3 to 6 months of pay on hand are daunting and unrealistic for most. So start smaller with Clark’s $500 challenge. Think about saving $10 a week / $40 a month until you get to $500. Many online banks have no minimum, so put $ in regularly. Micro save. Take the baby step to begin creating some space in your life. If you’re living paycheck to paycheck with no cushion in your life, make this small start. What can you do to squeeze some money into savings? Get started small and keep building. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 06, 2019
9.5.19 Texting gets you a ticket; Student loan forgiveness now more difficult; Payroll loans popularized
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AAA reports deaths from red-light running collisions have hit a 10 year high. Fatalities are up 30% in the last few years. Likely distracted driving is the root cause. Clark pauses for a second when a red light turns green in case someone blows through the corresponding red light of an intersection. If you move too quickly, you could be T-boned by a red-light runner. Meanwhile, police are cracking down on device distraction, posing as construction workers and finding other ways to site hands-free violations. The consequences of distracted driving are often deadly. Many for-profit schools are student loan mills. They heavily recruit and advertise to fill their classes via student loans. But many of these schools have gone insolvent or engaged in bust-outs, leaving students with incomplete training.  The principal players of the school may have made off with millions, leaving students in debt. Under the federal regulation known as  ‘borrower’s defense’ - students received loan forgiveness when schools failed to deliver on their promises. But NEW regulations just proposed by the DOE will leave students fully exposed for such debt, with the near impossibility of forgiveness, even when defrauded by a loan mill school.  Payday loans carry interest rates of 400-800%. They take advantage of desperation. A minor financial problem quickly becomes catastrophic as theses snowball on people unable to pay. Meanwhile, more than half of Americans now can’t afford an unexpected expense. What began as a small experiment 2 years ago, has spread. Now 1 in 7 employees work for companies that provide emergency loans or pay advances at around 4-10%, to reduce the number of employees in extreme financial distress. This is enlightened self-interest for participating employers. Employee Assistance Funds are another way companies are helping workers – usually a one-time-only benefit. And employee emergency funds are a way for workers to help out each other in times of need. Ask about these programs when needed. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 05, 2019
9.4.19 Your medical info on an app; Hurricane scams abound; Lesser requirements for energy efficient light bulbs
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Proposed legislation would provide US citizens access to all of our own medical records. This would require providers to send data to medical record apps – with the patient’s permission. Privacy risk concerns are valid here including data breach exposure and data abuse by insurers. The NYT reports Apple is designing their medical app to encrypt the info and confine it to your device only, not on their servers. Android needs equivalent protection.  As Dorian heads up the coast, scamsters are already at it prompting a warning from Homeland Security to be aware of fake emails pretending to be from charities. You may soon see people collecting on street corners. Never respond to phone, email or text solicitations. Give directly to trustworthy organizations. See our guide. If you have first-hand knowledge of a group you trust, excellent. But don’t give to any charity organizations that you can't personally vet. LEDs were $80 when introduced. Now they’re down to as little as $1. Home Depot Sylvania LEDs – 2 dozen for $24.  Dollar Tree and Costco sell them cheaply as well. LEDs use 85% less electricity. If you buy a traditional bulb for .50 cents vs. and LED for $1 – that’s a trap. So the Energy Department is proposing new regs to eliminate standards for efficient bulbs. Lighting comprises about 25% of the power bill, so switching bulbs could save you around 20%. Buy efficient bulbs. They last much longer and save you big money. Changing bulb efficiency legislation is a joke. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 04, 2019
9.3.19 Car seat trade-ins; Wells Fargo has customer falsely arrested; YouTube settles over child privacy violations
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Walmart and Target are offering great incentives for you to trade in your old (and likely expired) car seat. You can find out more about the Target deal here. Walmart is offering a $30 gift card if you bring in an old car seat. Find out more about eligibility here. Wells Fargo doesn't seem to learn from prior mistakes. In a case of mistaken identity, Wells Fargo had a customer who had done nothing wrong put behind bars. Now he is suing and Wells Fargo is trying to force him into arbitration.  YouTube is settling with the FTC over claims that it violated the Children's Online Privacy Protection Act by collecting and exploiting the personal information of children that had used YouTube. This would be the largest civil penalty the FTC has ever assessed.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 03, 2019
9.2.19 Is Amazon Prime worth it?; Keep your car as long as possible
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Members of Amazon Prime pay $119 per year for 1-2 day delivery at no minimum, Prime only merchandise, Access to Prime instant video and no-frills music service. Amazon has ways to keep you Prime(d). For Clark, it's useful as a $10 a month video subscription. Check out our quiz at Clark.com to determine is Amazon Prime is worth it for you. Non-Prime members get free shipping with the minimum order for that perk. Also, Amazon's more about convenience than low prices. You can often find lower prices elsewhere.  We Americans trap ourselves by borrowing for purchases. At the top of that list is buying a car. Car notes should really be avoided if at all possible. Think about all the other things that car note money could do for you. Don't think of wheels as lifestyle, but only as transportation that you want to keep your monthly bills low and increase your ability to save and invest.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 02, 2019
8.30.19 Paying your mortgage bi-weekly to save money; Clark Stinks
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Watch out for a pitch that claims you can pay your mortgage on a biweekly plan. Banks often get a commission by conning you into a biweekly payment program run by a third party. If they abscond with your money or make late payments, the bank bears no responsibility. You get more impact if you divide your monthly payment by 12, and pay that 1/12th additional principal payment each month. It is far better to set up your own biweekly payment plan. Your extra payment reduces interest which shaves more time off your loan. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 30, 2019
8.29.19 Best cars for resale value; Resort fees are the worst; Focusing on preventative care
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JD Power reports on which vehicles best hold their value. If you will make one major change to the way you look at vehicles and drive your car until till the wheels fall off you won’t have to worry about depreciation. More hotels are implementing a bait and switch where they publish a great rate and then rip you off with poorly or undisclosed fees. Clark just ran into a $56 per night resort fee + a $26 per night parking fee – that’s in addition to the room cost. There’s a plague of this and the hotels are defiant about it. Marriott and Hilton are being sued. The price should be the price. With the current inability of political parties to work together on healthcare, it’s heartening to see solutions being tried at the state level. U.S. life spans have been in decline while healthcare costs skyrocket. The U.S spends 20% of our nation’s output on healthcare. The next largest national expenditure is 8%. N.C. is placing emphasis on regular primary care, creating financial incentives that reward providers for keeping people healthy. When we focus on simple continuity of care and prevention, we get lifespans back up and cut costs at the same time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 29, 2019
8.28.19 Natural gas rates plummeting; Disney streaming discount; Travel insurance for Fall Travel
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Problems in the energy industry are working to consumer advantage. Natural gas is in oversupply and at wholesale, the price has been driven down. But for consumers, in states where savings are passed on to the ratepayer, there’s a direct benefit. In some states, you select a natural gas provider. Those states usually offer the option to lock in a fixed rate for a period. There will be a strong advantage in doing that before the cold weather season kicks in. This Fall is a great time to lock in a rate for your home or business. Check out this awesome deal for Disney's new streaming service. Cruise lines are changing itineraries to stay out of harm’s way during hurricane season. Travelers can be left out the money and no trip. If the weather could be a factor, for example, a fall cruise out of a FL port or a Caribbean resort booking, you can buy a trip insurance policy allowing you to cancel for any reason for a partial refund. These policies cost more, but most others don’t cover weather interruptions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 28, 2019
8.27.19 Targeted promo codes abound online; Ford offers relief for defective transmissions; Change of address scam
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Individual discount codes are hit or miss these days, because they’ve become more personalized. Online sellers are using algorithms to target individuals specifically with tailored coupon offers, often specific to that calendar day. It’s a code only for you, only for today. This started with electronics sellers and has been spreading. These codes pierce privacy so consumers need to decide if they’re worth it. Also, it’s important to hide your identity while shopping. Online sellers have become more sophisticated and give convenience shoppers potentially higher prices. Shopping anonymous may yield a lower price. Ford knowingly built 600,000 vehicles with defective transmissions. The Detroit Free Press published a long-form investigative series on this. Whistleblowers and leaked documents offer proof Ford sold Focus and Fiesta models that were potentially dangerous and routinely required costly repairs due to defective transmissions. For owners, thanks to the Detroit Free Press, Ford will offer extended warranties to 600,000 owners of these vehicles. They will repair and reimburse transmission repairs for 2014-16 Focus models and 2014-15 Fiestas. We’re numb with data breach fatigue, but Marketwatch reports how brutal and multi-layered ID theft can be, profiling one case.  This couple faced $25,000 in fraudulent charges and while dealing with that, the criminals doubled down, creating a change of address with the USPS. In addition to unknown accounts being opened, this couple’s mail vanished. It took 2 months to unwind this at the postal service so they could again receive their mail. In the interim, despite their best efforts, they missed some bills and late pays damaged their credit further. 1. Freeze your credit. Freeze your kids’ credit. A credit freeze would have prevented this. 2. Have a system for keeping track of all your bills, a list on paper or reminder system via on an online calendar. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 27, 2019
8.26.19 Labor Day gas prices; Beware this romance email scam; Amazon 3rd party sellers warning
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Oil and in turn gas prices which were expected to be headed higher now, are in fact  lower. AAA reports as we move into the Labor Day holiday period, gas prices will average .30 cents less per gallon than one year ago. Traffic will be the problem this Labor Day holiday.  Also, electric vehicle purchases are a small part of the market but enough people are buying to affect the demand equation for gasoline, and that is helping to moderate prices. There will still be ups and downs based on temporary factors, but the trends for low gas prices are positive. A 3 year investigation resulted in a federal bust. Be on your guard for the techniques these scammers used – this won’t be the last criminal ring employing them. The number one scheme here: online romance scams - an active fraud method for at least 15 years. This time, the fraudsters were pretending to be U.S. military personnel.  No matter how much you may have fallen for someone online, don’t believe the story until you’re face-to-face and know who you’re dealing with. Criminals exploit the military or anything else to exploit your affection as a gateway to your wallet. A WSJ investigation has found unsafe and counterfeit sales on Amazon.  Their intense digging uncovered safety issues. Most Amazon sellers are third party, much like online marketplace eBay. Amazon muddies the waters by including many 3rd party items as Amazon Choice or Prime. Some kids’ toys contained led, and counterfeits were found. There’s hazard for adults as well such as counterfeit motorcycle helmets. Amazon is selling items that have been banned, including mats that are a suffocation danger to children. 4 out of 10 Amazon Choice kids’ items failed federal safety standards. Amazon sells 3 different ways: Listing for a third party, fulfilling for a third party and direct selling by Amazon themselves which they control. It’s hard to tell.  Amazon has a broken system right now. Don’t allow yourself to be harmed. Follow the steps to identify the actual seller. Important: Amazon does NOT stand behind anything sold on its site that is NOT sourced by them. eBay – also a listing service, is more customer friendly to buyers. Know that Amazon is not necessarily a safe place to purchase until they clean up their act. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 26, 2019
8.23.19 Internet speeds are vastly overrated; Clark Stinks
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Clark's neighborhood recently got 1gig internet service. He signed up. Speed tests show that they are not getting 1 gig. The WSJ did an in-depth testing of home internet service and found that people do not need ultra-fast internet. They couldn't find a home circumstance requiring more than 100megabits per second. There are specialized needs for more robust internet. Some consume massive internet video on their phones without ultra-fast internet from their cell carrier. Clark plans to cut costs and reduce his home internet speed. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 23, 2019
8.22.19 Beware college student debit cards; Expensive Nike subscription service; Facebook history eraser
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College students and their parents are being ripped off by the very colleges they’re attending. Banks approach universities to create co-branded campus debit cards, promising kickbacks to the school for every student that signs up for their debit. The fees on these co-branded kick-back cards are 2 to 3X normal. Meanwhile, most colleges have credit unions available to faculty, staff, administrators, and students – offering great deals and typically no to low fees. There is NO requirement you use the co-branded card and that behind these cards are dirty money kickbacks paid to the college.  Nike has launched a kids’ shoe subscription service. These plans are $20 to $50 a month - $240 to $600 a year for a Nike shoe subscription. Availability has been filled and now there’s a waitlist. Parents, don’t do this. Don’t give your kids the message that brands matter, setting them up for lifelong problems with money. Facebook’s rep has been heavily tarnished over privacy issues. They say they’re addressing the problem giving users new control over personal info, at least in part. They’re launching a new tool – ‘Off-Facebook Activity’ to give users the ability to see what info has been collected and sold to third parties. You’ll be able to manage that data, control how it’s used, disconnect history tracking and short circuit sharing with third parties. Facebook is rolling this out in Europe and South Korea to work the bugs out, promising availability in the U.S. in a couple of months.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 22, 2019
8.21.19 Southwest Airlines cancelling routes; MoviePass data breach; Series I savings bonds are a good place to stash cash.
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The 737 Max remains grounded as Boeing struggles to find fixes. The FAA, having lost its credibility from lack of oversight of the Max, is now relying on the recommendations of a world panel, with no service date in sight. This affects travelers as airfares are higher because of this and Southwest, the largest operator of 737s in the world, is now discontinuing 20 unprofitable routes, moving those aircraft to Hawaiian routes. This has triggered great competitive deals from the west coast to Hawaii again, and higher fares in the markets Southwest is leaving. The MoviePass database contains 160+ million records and has been breached. TechCrunch reports the database was not password protected. The guess is 60,000 records contained credit card data. Past subscribers need to watch activity on the cards they used with MoviePass. If you used a debit, the risk is great. Consider getting a new debit card number. As the economy slows and interest rates go down, a rare saving opportunity has re-emerged; Series I Savings Bonds. When you buy bonds, you have to own them for at least a year and can hold them for up to 30 years, earning interest. With a slowing economy and interest rates headed down, Series I Savings Bonds are again a good place to stash cash. Series I Savings Bonds pay a .5% base rate + the rate of inflation, reset every 6 months, making the current rate 1.9% - not huge but as rates drop, you don’t have to worry about falling behind inflation, remaining ahead by half a point. You can purchase up to $10K in these bonds yearly, per person with a $50 minimum. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 21, 2019
8.20.19 New ways to sell your home; Wells Fargo does it again; Fighting for your Equifax breach money
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iBuyers are the real estate organizations that can buy homes to simplify the process. They have big money behind them to accomplish this and include Offerpad, OpenDoor, Knock and others including Zillow. In addition, traditional agencies are entering into alliances with iBuyers. MarketWatch reports Keller Williams is partnering with Offerpad in 12 cities. These organizations are experimental. Their business models keep changing. Clark sold a rental condo recently and listed with an iBuyer (Offerpad) after talking with several. The process has interesting wrinkles. Knock is working with builders and provides the bridge between selling and buying. All base their buy offer on the condition of your home. They’ll offer less to do improvements with their contractors for a quick turnaround. The iBuyer process has its limitations. It works well in the South and the West suburban communities with comparable homes from large production builders. This doesn’t work in older communities, in the NE U.S. iBuyers concentrate in the middle of the market. They may never serve certain markets. Traditional agencies will likely be expanding their services aligned with iBuyer business models. If you’re putting your home on the market, get quotes from iBuyers if available, along with traditional agents. You get fair market value info from their various algorithms. The NYT has investigated continuing egregious practices by Wells Fargo. This bank can’t get out of its own way, despite their ads indicating reform. Their latest outrage: arbitrarily closing accounts, generating overdrafts on auto payments. These fees are a huge profit center for them, and costs customers huge fees. $1500 was the damage on one account. WF then puts their customers/victims on the bad list for the banking industry, making it hard to impossible for them to even bank elsewhere. Wells Fargo was defiant in their response to the NYT. They’re not close to becoming customer focused or honest. Beware. Laura from Team Clark was an identity theft victim and has experience navigating the process. Laura went to the Equifax Claim site and was indeed eligible to file, as her id theft about 2 years ago, was a result of their data breach. Someone opened a credit card in her name, applied for multiple loans, cell service and more. Damage control took weeks of phone calls. Since, Laura has frozen her credit and monitors it with Credit Karma. Her credit has bounced back by now. She considers herself lucky they didn’t do more damage. They could have. Many expecting to receive compensation won’t receive much. Using the link at Clark.com, Laura applied for the $120, but so many have filed claims, the awards won’t be that much. But problem solved because she worked hard to advocate for herself, and fortunate more damage didn’t occur. Laura says FREEZE YOUR CREDIT NOW Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 21, 2019
8.19.19 Be vigilant when fighting for student loan forgiveness; Disney admission discount!; Your phone number and ID theft
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The student loan forgiveness program has failed, denying those in the public service profession forgiveness after 10 years of service in good faith. Now, the appointee in charge of protecting student borrowers’ interests comes to that job in the federal government from a lending company so please remember it's up to you to fight for your rights.  You have got to know the rules and make sure you’re doing all required under the federal student loan program. Document every payment. New lower price on Disney admission! The only requirement: Enter Noon or later. Accommodations in Central FL are at off-season prices as well. As companies move away from using SS numbers as identifiers since the Equifax breach, more and more are using our phone numbers as identifiers. More databases are tracking us based on our phone numbers. Many loyalty programs require phone numbers.  It’s easy now to use an alternative number to keep your main one more private. Sign up for Google Voice to receive a distinct phone number. This can be a replacement identifier. The Burner app provides a continuing stream of different numbers. A NYT tech writer investigated what info could be gleaned about him from his phone number. It was massive – full dossier – all from databases using phone numbers. Personal safety and privacy are tied to your phone number.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 19, 2019
8.16.19 Why everyone hates customer service; Clark Stinks
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According to the ACSI, pay TV, internet service providers, and traditional phone companies are the 3 industries that rank the worst in customer service. What happens when you call customer service? You go through a phone tree maze. Many require you to speak, so they can use AI software that patterns your voice to gauge your patience, track you through caller ID, check your profitability index score, and answer you call (or not)  accordingly. Clark has found attempting customer service via phone is only effective if you’re prepared to fire a company and have your next provider in mind. Often you only get results when customer retention is engaged because they get that you’re leaving. Always being willing to walk is key to getting the customer service you’re looking for. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 16, 2019
8.15.19 Owning a home isn't always the way to go; Teacher retirement plans stink; Private labels taking over
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Housing prices have gone up way beyond income. In an effort to jumpstart home buying for those in their 20s & 30s, the Feds are offering a new FHA loan for first-time condo buyers, with a 3.5 down and lower credit standards. Know the condo market is more volatile than the single-family home market, with values going up or down more quickly, creating more short-term risk. Ideally, go into a condo purchase using Clark’s rule of thumb if possible, with the intention of living there 10 years or longer. Otherwise you should rent instead, despite this new FHA financing. On the heels of a similar disgrace in PA – stripping consumer protections from teacher retirement plans, Texas now has one of the worst law changes for teachers retirement in the country. Teachers are shunted into retirement plans vastly inferior to 401Ks or IRAs, called 403b’s. These plans have poor disclosure and massive fees. In Texas, teachers can be charged massive fees on 403bs, typically 40 times that of a company 401K.  The U.S. is the only developed country where consumers continue to buy primarily brand names. Roughly 1 in 4 items tend to be store brands vs nationally advertised brands. Well-targeted national ads are effective. Americans spend massive money buying brand names. That market has been eroded some, so brand manufacturers are pushing up their prices to generate higher profits. It’s working. Store brands historically have been 30% cheaper and that gap is getting larger, even as store brands are improving in quality.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 15, 2019
8.14.19 Prepare your personal finances for a possible recession; Vaping warning; The best single person cell phone plan deals
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Bond rates are at all time record lows for 30 year federal treasury bonds, a strong signal of coming recession. If the economy slows or declines, workers are impacted with less overtime, reduced hours, pay freezes etc. Think through how you can be more careful with spending. Take the time to look through your bills, trim costs and build some breathing room. Things happen and we need to be prepared for surprise expenses – medical, home, vehicles etc. Investors, if you’re going to need your investment funds in the next 24 months, keeping it in stocks may not be the best choice. Otherwise, continue to contribute to your retirement plan as normal.  According to the CDC, vaping has gone up 50% in one year among middle school students, 80% among high school students. Juul voluntarily discontinued over-the-counter sales of flavored juices attracting teens, so other companies are filling that void. Be aware of the unknown health risks. Vaping is a nicotine delivery system that can create lifetime addiction. Parents are encouraged to have continuing conversations with kids about the dangers, because remember, they think they’re invincible. Cell phone plan deals!  AT&T is offering a year’s service for $300 per line, only at AT&T.com – unlimited talk & text and 8 gigs of data per month. MintMobile.com offers 6 months of service for the price of 3 at $60 for unlimited talk & text + 8 gigs = $10 a month – on T-Mobile’s network. Verizon prepaid is $35 a month with autopay for unlimited talk & text and 6 gigs of data per month. Sprint’s Unlimited Kickstart plans offers unlimited talk, text & data for $25 a month. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 14, 2019
8.13.19 Movie theater subscription services; Zombie debt on the rise; Beware the dent repair scam
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Movie Pass and Sinemia are both effectively out of business. But in the process they taught the film theater industry that if you offer a deal, many will take advantage of it. The movie industry has faced stagnation and steady decline with fewer people going to movie theaters. AMC was the first to offer a subscription through Stubs A-List – around $20 month for 3 movies a week.  Regal’s program is $18 - $24 per month – offers unlimited movies! Only subscribe if you’ll really use the subscription. Zombie debt reaches into the past to cause havoc in the present and future.  Rogue collectors buy very old debt for a fraction of a penny on the dollar.  Old debts can’t be sued against. But crooks in the industry are contacting people and conning them with trick offers. They suggest you pay $1 or another nominal sum to settle an old debt. BUT in many states, as soon as you do that, the debt is treated as new – and you can be sued against it again. You no longer have a statute of limitations protections. Never agree to any partial payment against an old debt. Nicole from Team Clark has a relative who got a pitch in a retail parking lot. Her sister-in-law was approached in a Kroger parking lot. The person noticed dents in her car and offered to fix them for $160 – far less than a body shop would charge. He said he had the equipment in his car, was off early – let her know he was a family man. Nicole's sister-in-law noticed his car was beat up, and politely declined. This scheme has been around at least 10 years. NEVER fall for a parking lot pitch to fix a car. Just say no. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 13, 2019
8.12.19 Crazy good interest rates; Fake Equifax settlement sites; New cheap streaming services
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Credit card interest rates are at an all-time high. At a time when interest cost to banks is very low for what they borrow to lend on credit cards,  they’re charging the highest rates ever. Users don’t worry about rates likely because they don’t intend to carry balances. Meanwhile, if you’ve financed a vehicle at a bank or dealership, now there’s an opportunity to refi for a much lower interest rate through a credit union. With the trade related reduction in interest rates, this is a side benefit. Home refi opportunities are great again. Shop around. With good credit, you can refi a 30 into the low 3s, or move to a 15 year loan for around 2.34%. With all the publicity surrounding the Equifax settlement, people are doing searches to find out more and ending up at spoof sites. There are scam sites taking personal info. If you are interested in the settlement, go to ftc.gov/Equifax.   Nearly 1 in 5 American households have cut the pay TV cord. Streaming packages generally range from $20 to $60 a month. Philo and Sling are the bargains. (Sling TV is a service of Dish – always priced favorably). Coming this fall: the new Disney bundle, including the Disney film and video library, ESPN+ and a stripped down version of Hulu for $13 a month. Consider free streaming. Ad supported streaming is the fastest growing form of video content. Roku offers massive free content. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 12, 2019
8.9.19 DOT rules for flight passengers with food allergies; Clark Stinks
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Complaints against American Airlines have been filed for their refusal to accommodate passengers with nut or any food allergies. The DOT has determined American was putting people in harm's way. Now airlines are required to accommodate those with food allergies, which comprise 1.5% of the population. While other airlines have done away with nut snacks, American continues to serve them,  allowing pre-boarding to wipe down seats for designated passengers. They need to take the next step and stop serving nuts. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 09, 2019
8.8.19 Social Security account hacking; School hours for teens; Best family cell plans
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Social security hacking is a rare but ongoing crime, wherein a criminal hijacks someone's social security benefit, convincing the authorities of an address and bank account change. Impersonating you, the criminal starts receiving your benefit. Criminals will also apply before you do - just in advance of your 62nd birthday, while you may be planning to take the benefit years later.  Set up an account at MySocialSecurity.gov long before you're eligible to receive the benefit. If an address change is attempted, you get an alert letter. This account allows you to monitor your benefit. Pay attention to alerts and letters. And before you ever call social security - verify the number given to avoid ss scams. It's back-to-school time for many districts in the country and for most, the morning bell rings way too early. The early bell is a convenience for working parents, but it's not what's best for kids. Adolescent circadian rhythms have been studied. Kids this age are night owls for whom getting enough sleep is critical to development. They perform better if school starts later. Some school districts have made the adjustment. One district at a time..... Family and individual phone plans -  / Clark.com Cell Phones  /  ClarkDeals-Phone Plans Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 08, 2019
8.7.19 Employee relief funds; Major landlord accused of ponzi scheme; Car-sharing apps on the rise
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Way too often people will raid their 401(k) at some point. They take out a loan, do a hardship withdrawal, or spend it away when changing jobs. The Federal Reserve finds that people withdraw around 40 cents of every dollar put in their 401k - money that WON'T be there for retirement. Pew Research calculated the average amount of a major unexpected expense to be $2,000. Most don't have $2k for emergencies. The WSJ reports more employers are offering personal finance programs, with emergency fund rewards for participating. There are now hundreds of companies offering these programs in order to increase productivity and reduce turnover and stress in employees. Deal or no deal: Private real estate placements. They're hot. Do they have any place in your life? A major U.S. landlord has been accused by the Justice Dept of running a criminal Ponzi scheme. This individual owns properties across 14 states. He raised $110M under the pretense of investment, converted to personal use and sustaining the Ponzi. This is the danger with any offer of private real estate investing. If you put money in, it's a hard time getting it back out. Be aware. Be careful.  A potential money-making opportunity: Renting out your car an hour, day or week at a time. Years ago Clark shared how luxury  & sports car owners were listing their vehicles and Turo and Getaround. Now entrepreneurs are buying low mileage, young used cars, building fleets and making a living renting them out via car-sharing app business platforms. The app takes a quarter cut typically. Car rental companies are spending a fortune to get state legislatures to pass laws to essentially outlaw car-sharing apps. Don't invest too much into a business that could disintegrate. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 07, 2019
8.6.19 Do bigger houses make us happier?; How you get manipulated to buy things online
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American debt and delinquency are increasing in a time of low unemployment. The Census Bureau data finds Americans buying homes with double the square footage per occupant compared to 2 generations ago. The average home has 1000 square feet per person. The average U.S. home now is around 2500 square feet - up from 1500 not that long ago. That's more square footage to heat, cool and repair. Housing is the number one cost of living factor that affects your future financial security. When home shopping, put needs first and stick to living on less than what you make. Shopping online reveals a big push to get consumers to click to purchase now. Clothing sellers flash purchase reports of what appear to be real-time buys going on. That can be faked. Priceline uses this tactic as well - pushing you to click to buy now because some person just got some hotel deal. Car rentals sites may tell you there's an urgent shortage of available cars so book now!! Know these manipulations exist to counter the problem of abandoned carts. Online retailers are using mind-games to create urgency and/or excitement. Don't let them fool you.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 06, 2019
8.5.19 Where to watch free movies online; Will your AC be obsolete soon with freon phase-out?
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Check out our new free online movie guide. Ad-supported streaming services heavily featuring movies are a fast-growing part of streaming. Big Five Glories features classic movies, no subscription, no sign-up, lots of free movies. Sony Crackle is a free streaming service, mostly movies from the 80's and recent bombs. Crackle is polarizing because there are ads inserted, but it's free. ClassicCinemaOnline features westerns, classic and independent films. Home HVAC units may need replacing. Rip-off Alert! R22 freon is usable this Summer but will be banned next year. There are reports emerging from around the country that HVAC salespeople are telling customers their AC units will no longer work after this season and they have to buy a new one! Go to the manufacturer's website of your HVAC unit and enter your model number to see if your unit will be obsolete next year. Most any unit manufactured before 1996 - 23 years old or older - will be impacted and will need to be replaced. You can retrofit, but as a general rule, retrofitting is not recommended.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 05, 2019
8.2.19 Should you eat expired food?; Clark Stinks
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Food company CEO Scott Nash spent a year eating food past its expiration date, tortillas a year past, yogurt months past and heavy cream 2.5 months past its expiration date. Truth: Most expirations dates on medicine and food don't mean ingestion will be dangerous past that date. Meds can be fine years out of date, perhaps less effective but most are not harmful. Expirations dates should be honored on certain foods, including deli meats, unpasteurized cheeses & milk. And tossing picnic foods that have been unrefrigerated too long is still the best advice. Implementing a voluntary system, 2 years ago the food industry came up with a compromise of 2 labels: Best if Used By and Use By - to reduce confusion. Nearly 90% of us toss expired foods. But that's not necessary with most food items. Scott Nash was just fine! Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 02, 2019
8.1.19 How to buy a home; Do you need cell phone insurance?; Working while in college
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People have issues with financing, builders, selling, and buying used homes. There are many confusing moving parts. Clark discusses 9 steps to buying a home involving credit, qualifying and shopping for loans, shopping homes, negotiating etc. Local communities have design rules that have crushed affordability for first time home buyers.  In dense urban areas, the value of land drives the cost of homes. So out-of-date rules on land use create many inefficiencies, including affordability. The next wave of urban planning should take into account creating efficiencies that will allow more affordable, smaller single-family housing in metro corridors.  Clark's 13-year-old son was all over getting a cell phone protection plan. We're so connected to our devices that when in a cell phone store, we're susceptible to the pitch to buy their junk insurance product. Don't do it. Cell phone insurance is horrible, trashy junk. Don't do it. It's overpriced, and you have a big deductible for what's usually a refurbished replacement phone. Have wide insurance in your life disability. Use a credit card hat provides free cell phone insurance when you use it to pay your monthly cell bill.  There's one thing higher and trade education students can do to boost their chances of good-paying jobs after school - work while in school. ​Working in college makes for higher paid grads. Northeastern University grads tend to easily get good jobs after school because working is built into the curriculum. Students alternate semesters with working full-time. The degree takes an extra year, going year-round. New grads have years of experience in their field of study. Having work experience provides maturity so valuable to employers. Clark was a full-time working night student in college and grad school. That work experience served him well, allowing him to retire (the 1st time) at age 31. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 01, 2019
7.31.19 Back to school sales; Medical bill shock; Free fitness classes
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Back to school sales have begun in much of the country. Overwhelmingly, schools have migrated to Chromebooks as the computer of choice. Chromebooks are easier to manage and maintain and are less vulnerable to viruses. No frills Chromebooks are under $100. If your child is going to a Chromebook based school, your cost will for a really capable one will be around $150. If your child is going to a Windows school - a good Windows laptop will cost around $199. Yet another medical bill shock. In mid and large size communities hospital systems are expanding to gain market control, with generally 3 such systems dominating a metro.  In addition to 'roll-ups' - the buying out of smaller independent hospitals, large hospital systems buy up individual doctor practices. If the doctors choose not to sell-out, they get no referrals. When your doctor's practice is purchased by a hospital, know that is a landmine for your wallet. Clark is not an athlete but is a self-motivated fitness nut. In order to sustain an exercise program, many find they do much better as part of organized group activities. That's a hot trend right now. Many traditional fitness centers are failing (so don't pay big money upfront for a gym membership). Experiential facilities offering group classes are the rage now. This is labor-intensive for a facility and therefore expensive for consumers. If you know you need group motivation, consider your local YMCA as an affordable alternative, where classes are offered for less. Also, all over the country, there are free exercise group activities to be found. Search a site like MeetUp.com to locate a free local meetup group. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 31, 2019
7.30.19 Buying term life insurance; Clark shares an inspiring story; Rules for financial freedom
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There's much confusion surrounding life insurance - Who needs it? How much? How do you go about buying it? Only ultra-high income earners might be candidates for whole life. Avoid universal life and variable universal life -  those are recipes for disaster.  Most people should have level term life, wherein the premiums do not change for the term of the insurance. The purpose is the replacement of income to provide for loved ones. Term life only pays in case of death and is easy to comparison shop for and buy. In the midst of seaside nuptials, a distress call occurs. A teen surfer is being dragged out to sea, as 2 others attempt a rescue. Groom Zack Edwards, a Coast Guard member, springs into action. All make it safely back to shore. Link to the video at Clark.com. Often we only get the bad news. Zack Edwards made the decision to risk his life for others. What do you want to achieve? What's important to you? The FIRE movement is getting backlash today against people who've set the goal to retire early by saving maximum money to do what they want in early retirement. Have the goal. Track your spending. Paying with cash makes for more mindful spending. For those who can't get spending under control, living on a cash basis only drastically reduces spending. Make sure to automate savings into your retirement accounts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 30, 2019
7.29.19 More people are ditching home internet; Watch out for these fake charges; You might actually need flood insurance
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The cost of home broadband has gotten so expensive and more consumers are disconnecting home internet in favor of cell phone Wi-Fi. USA Today reports 40% are using cell phone internet exclusively now for service. They're finding that it works out fine.  On cell phones, people don't have to worry about data overages. Some carriers may impose network management for those who've used a lot of data that month and find themselves in congested areas, by crawling service till the next billing cycle. But there's no overage. This is a great alternative to paying huge money to a cable monopoly for home internet service. The simple scam hitting millions of us is an easy rip-off to watch out for.  Consumer warning: What you don't notice on your monthly bills can cost you. While a big bank looked the other way, criminals stole untold hundreds of millions from consumers. The bank had sold all the credit card numbers in their portfolio to crooks who put fake charges through monthly for 3 years. The bank played dumb and 93% of consumers never noticed fake charges hitting them every single month. The worst part is that the criminals are heavily targeting debit card users. If you don't notice immediately a fraudulent debit, you don't have the rights that come with credit cards. The money is gone forever even if your bank acknowledges the fraud. You're out the money. It's up to you every month to look through credit and debit charges. If something doesn't look right - dispute it. Much of the country has seen devastating flooding. Even outside federally designated flood zones there is risk. Facing that risk is vital.  By FEMA's own admission, current flood maps are out of date and incomplete around the country. 3 additional factors: rising sea levels, development replacing ground cover with asphalt and increasingly severe weather patterns - are putting more properties at risk of flooding. The Midwest is suffering mightily from extreme flooding, devastating the lives and finances of many. The terms "1000, 500 and 100 year floods' refer to specific math formulas and are not to be taken literally. Be realistic. If you can see development above you, you could be a sitting duck for flooding, which regular insurance does not cover. Check prices at Floodsmart.gov. If you're in a low risk area, the premiums vs the coverage are reasonable - a few hundred a year in a low risk area for around $250,000 in coverage.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 29, 2019
7.26.19 The app stores are ripping people off; Clark Stinks
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The app Tinder has changed the way you pay for its services because Google Play charges apps a WAY too much money; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 26, 2019
7.25.19 Solar power becoming a slam dunk decision; Kids with credit cards? Oh no; Ditch your big bank for a better online one
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Solar prices have plummeted. More consumers should strongly be considering purchasing whole-home solar; Almost 20% of kids carry a credit card. That is incredibly dangerous; You should strongly consider changing banks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 25, 2019
7.24.19 T-Mobile merger details; Don't trust anonymous surveys; When should you call customer service?
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The T-Mobile merger is likely to be approved very soon. And it's not all that bad as it turns out; Don't take "anonymous" surveys that your work sends you. You aren't really anonymous; Clark tells you when to call customer service to avoid waiting forever for help. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 24, 2019
7.23.19 Could fake grass save you money?; The CFPB sides with business over consumers; Cheap contact lenses
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Putting in fake grass could be better for the environment and for your wallet; The CFPB has created a co-branded card with H&R Block. The CFPB is siding with businesses now instead of consumers; It's really hard to find cheap contact lenses. Clark tells you where to shop. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 23, 2019
7.22.19 Equifax settlement reached; School lunch madness; Best payment apps
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Clark tells you what you need to know about the Equifax data-breach settlement; One school district threatens parents over unpaid lunch money; Consumer Reports rates the best (and worst) payment apps Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 22, 2019
7.19.19 Surf the web without being extensively tracked; Clark Stinks
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Google's Chrome browser is tracking you more than you realize. Clark gives thoughts on searching and browsing and not being tracked; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 19, 2019
7.18.19 Microchip implants are here ; Lawsuit over deceptive hotel fees; Discount prescription drug tool
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The Swedes are getting microchip implants to pay for things; Marriott has been sued over astronomically high and deceptive resort fees; Check out this prescription drug tool that could save you money Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 18, 2019
7.17.19 Fidelity slashes expenses again; Beware the popular Face app; What to know when moving
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Fidelity is taking their fees even lower; The viral Face app has some terrible terms and conditions that you need to know about before using it; Moving is full of potential pitfalls. Clark tells you what you need to know first. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 17, 2019
7.16.19 Credit card companies cutting benefits; Ford transmission issues; Consumer debt at all-time high
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Credit card companies are torching the secondary benefits that they offer their customers; A lot of Ford Focus' and Fiesta's have major transmission issues; Consumer debt is at an all-time high...which is scary considering how good the economy has been. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 16, 2019
7.15.19 Smart speakers spying; Watch out for this new credit card scam; Texas makes college free for some
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Google smart speakers are ALSO spying on you. Know what you are getting into before you buy; Clark tells you what to watch out for with this new credit card scam phone call; Texas makes a college education at UT free for some low income families. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 15, 2019
7.12.19 Watch out for credit card companies lowering limits; Clark Stinks
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Credit card companies are lowering the limits of their customers at random. Clark tells you how to protect yourself; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 12, 2019
7.11.19 New confusing W-4 form; Freaky blood transfusion scam; Obesity rate tumbling
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What to do with the new (and confusing) W-4 income tax form; FDA warns about pricey blood transfusion company; The obesity rate is declining amongst American children. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 11, 2019
7.10.19 New CVS health hubs; Wells Fargo cheated their auto loan customers; Fall travel deals on the way
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CVS is launching new "health hubs" in multiple cities which could change the way we folks receive healthcare; Wells Fargo is under fire again for having cheated their auto loan customers by signing them up for insurance that they didn't request; Fall travel deals are looking GOOD! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 10, 2019
7.9.19 When car brands no longer exist; Beware USB charging ports; Finding a good side hustle
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What do you do if you own a car that is no longer being manufactured?; USB charging ports, especially in high traffic areas like airports, pose a new threat to your phone and personal information; How can you find a good side hustle? There's a new site to help you with that. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 09, 2019
7.8.19 Why you need a dash cam; Getting compensation for airline delays; Personal finance education comes to Harvard
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Dash cams are cheap insurance. They can provide invaluable evidence in the case of an accident; Clark talks about how you get compensated by airlines in the event of delay; Personal finance education is coming to Ivy League schools like Harvard.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 08, 2019
7.5.19 Where people go when housing gets too expensive; Cheaper phone calls from prison
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Some folks in San Francisco are living on boats. Others are making difficult choices about where to live in certain expensive housing markets; Prisons have profited off of prisoner phone calls for too long. Some states and municipalities are starting to make it easier and cheaper for prisoners to stay in touch with their loved ones. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 05, 2019
7.4.19 Financing a car in the current interest rate environment; How to navigate a job search later in life
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How should you go about financing a car purchase - especially in this current interest rate environment?; Navigating the world of job hunting can be difficult, especially as you get further along in your career. Clark has some advice to consider. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 04, 2019
7.3.19 3D printing replacement car parts; Fake kidnapping scams on the rise
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3D printing replacement car parts is becoming a more common thing - and could lower the cost of car repairs in the future; Fake kidnapping scams are becoming more common. Clark tells you what to look out for. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 03, 2019
7.2.19 How to complain about credit bureau issues; Your privacy at stake while shopping
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You have to know where to go to complain when you have issues with a credit bureau; Brick and mortar stores are tracking you while you are shopping.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 02, 2019
7.1.19 Amazon unhappy about negative reviews; Why backseats aren't as safe as they used to be
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Amazon doesn't like people saying that its review system harbors many spam reviews. Clark tells you how to discern the review system as you shop; Backseats aren't as safe as they used to be. And your child might actually be safer in many front passenger seats. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 01, 2019
6.28.19 Blue collar workers receiving better treatment; Clark Stinks
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Blue collar workers receiving better perks on many job sites these days; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 28, 2019
6.27.19 Non-compete clauses are awful; 55% of Americans have a credit card balance; Major medical advances in 3-d printing
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Non-compete clauses are really bad - yet they are still pervasive; SO many Americans are running a monthly credit card balance. That's not good!; 3-d printing is having wide-ranging impacts in the field of medicine.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 27, 2019
6.26.19 How to become a 401k millionaire; Cryptocurrency scams; Carry on bag rules
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Clark talks about how you too can become a 401k millionaire - and why a Roth 401k might be your best bet on the way; Watch out for crypto scams that are proliferating; Carry on bag rules are a nuisance. Clark tells you how to save money and get around most of them. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 26, 2019
6.25.19 Consumer Reports car buying service; Social security imposter scams; Debit cards on campus
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Clark discusses the Consumer Reports car buying service and whether or not you should check it out; Watch out for social security imposter scams; Debit cards are a major risk for college students. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 25, 2019
6.24.19 Apartment complexes lending money; Excessive hospital billing; Fintech tools to help elderly parents
2315
Some apartment complexes are now lending money to young folks that can't afford rent; Some hospitals are billing insurance companies a LOT more than Medicare; Clark talks about new fintech tools that can help you keep up with what is actually going on with your elderly parents. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 24, 2019
6.22.19 Special Episode: Clark answers your investment and retirement planning questions
2157
From Clark: "I get so many investing questions that I wanted to created a special episode where we can drill down to your specific questions about investing. That's why we created this special episode." Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 22, 2019
6.21.19 Americans growing more concerned about smart speakers; Clark Stinks
2311
Smart speakers seem to be losing some of their appeal to Americans - and this might be because of the privacy concerns associated with them. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 21, 2019
6.20.19 Bogus credit card fees; Privacy policies are impossible to read; Watch out for 'scam' health insurance plans
2312
Clark talks with David Lazarus of the LA Times about a bogus credit card fee that Citi has been charging one customer for YEARS; Privacy policies are too long and too hard to read. That needs to end; Watch out for companies trying to sell you non-compliant health insurance plans Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 20, 2019
6.19.19 Facebook's new cryptocurrenty - Libra; Buying Insulin in Canada; Climate initiative rollbacks
2318
Clark discusses what the new Facebook backed cryptocurrency means to consumers; Because of the astronomical prices of Insulin in the states, many are turning to Canada for their Insulin needs; Will the climate initiative rollbacks have negative consequences? Unlikely. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 19, 2019
6.18.19 Discover eliminates banking fees; Google calendar scam; Cheaper grocery delivery
2319
Discover is eliminating all banking fees. Woo hoo!; Watch out for this Google Calendar scam. Clark discusses how you can change your settings to make it harder to get scammed; Walmart has just launched really inexpensive grocery delivery.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 18, 2019
6.17.19 SIM card hijacking is a major problem; Drug manufacturers sue over pricing rule; Cars becoming safer
2310
Criminals are taking over your phone and stealing your information and money. Clark tells you what to do about this major new crime; Drug manufacturers are upset about the new up-front pricing rule; Car safety features are improving at a rapid clip. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 17, 2019
6.14.19 Resort fees are outrageous but Booking.com is taking a stance; Clark Stinks
2320
Booking.com is attempting to crack down on resort fees that have run amok. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 14, 2019
6.13.19 Samsung releasing cheaper phones; Timeshare exit company scams; Reverse mortgages are really bad
2314
Samsung is releasing a line of great phones at a price point that is incredibly affordable; There are many reasons to beware of timeshare exit companies; Reverse mortgages are not good. Clark tells you just how bad they can be. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 13, 2019
6.12.19 Dollar Tree raising prices; Massive issues with Zelle app; Facial recognition comes with privacy concerns
2326
Dollar Tree is having to raise prices in some of its stores because of tariffs; Beware when using the Zelle app because scams are proliferating which can use your Zelle login to raid your bank account; Facial recognition is growing in popularity - especially in China. But there are some massive privacy concerns happening here in the United States when it comes to using facial recognition. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 12, 2019
6.11.19 Amazon offering a secured credit card; Burger King Impossible Burger snafu; Gas prices are dipping
2309
Amazon is offering a secured credit card for its customers that don't have great credit; Burger King was selling Impossible Burgers in NY even though they hadn't launched Impossible Burgers in NY yet; Gas prices are dipping and have gone below the $2 threshold in the lowest cost states. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 11, 2019
6.10.19 Stopping cell phone robocalls; Quest labs data breach; Misleading broker labels
2326
The FCC has just made it easier for the major cell phone companies to curb robocalling; The private data of millions of Americans were just made public through a data breach; The SEC has just voted to allow misleading labels for brokers. Clark is not a fan.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 10, 2019
6.7.19 What to do about uninsured motorist coverage; Clark Stinks
2313
What should you do about uninsured motorist coverage? Should you have more? Clark discusses; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 07, 2019
6.6.19 Reverse mortgages are awful; Teen credit card use; The high cost of basic medical care
2308
Reverse mortgages are incredibly costly and are a poor choice for almost everyone; Teen credit card use is way up. That's not good; A basic blood test can cost $11 or $1000 depending on where you go. That's insane. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 06, 2019
6.5.19 Charter school offers incredible personal finance course; Wells Fargo shady brokers; Exercise makes people happy
2287
There's a charter school in a poor Philadelphia neighborhood that is changing the way personal finance is taught to youngsters; Wells Fargo employs a much higher swath of shady brokers than other companies do; Exercise is actually one of the highest predictors of happiness Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 05, 2019
6.4.19 Where the jobs are; Police donation scam; Credit card losses are piling up
2304
There are some new stats out on where the best jobs are; Watch out for this police donation scam. Your money doesn't actually go to help officers; Bad debts are increasing and many Americans are increasing their levels of credit card indebtedness.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 04, 2019
6.3.19 Prices now change constantly; debt settlement scams; How funerals are changing
2298
Prices are now in constant flux. Clark discusses how to shop online in light of this new reality; Debt settlement firms promise a lot but deliver very little; Funerals are changing. Many are changing the focus to celebrations of life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 03, 2019
5.31.19 Is a Tesla cheaper than a Camry?; Pay TV is losing massive numbers of subscribers
2298
A Tesla is actually cheaper to own than a Camry when you consider the total cost of ownership; Cable and satellite companies are losing lots of subscribers. Streaming for the win! Learn more about your ad choices. Visit megaphone.fm/adchoices
May 31, 2019
5.30.19 State licensing requirements are hurting competition; The scoop on rental car insurance
2306
Arizona is making it easier for people that move there to start a business in the state. Clark says that other states should follow suit; Are you actually covered by rental car insurance? Are there other ways to get insurance on a rental vehicle more inexpensively? Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 30, 2019
5.29.19 How to protect your business from ransomware; Redirecting your career post-layoff
2304
Small businesses are at high risk for ransomware attacks. Clark discusses the importance of protecting your small business on the digital front; How you can move forward after getting laid off? There are different paths you can take to succeed.  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 29, 2019
5.28.19 Do you need premium gas? Probably not; Few college grads know basic personal finance
2303
Lots of people are putting premium gas in their tank even though their car doesn't require it. Don't waste your money!; Very few college graduates can answer just a few basic questions about personal finance.  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 28, 2019
5.27.19 Facial recognition to speed up travel; Why annuities are so bad
2312
Cruise ship companies and airlines are starting to use facial recognition to speed up boarding in an attempt to provide better customer service. There are also privacy concerns; Annuities are bad. Really bad. Almost always. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 27, 2019
5.24.19 New student loan borrowing rates: Clark Stinks
2312
Student loan borrowing rates have declined. Good news for college students borrowing money for next school year!; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 24, 2019
5.23.19 Another school lunch issue arises; New Airbnb scam; Where to put your savings now
2317
A school cafeteria worker was fired for giving away lunch to a child without money; Watch out for this new Airbnb scam. Clark has thoughts for you about storing your credit card info online; Where should you put your savings as interest rates might be falling in the near future?  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 23, 2019
5.22.19 Boeing Max future; Baltimore cyberattack; How tariffs are hurting retail
2317
Europe has placed certain demands on Boeing before the Max can return to the skies; The city of Baltimore suffered a cyberattack. Clark discusses how cities and companies can protect themselves; Retail is hurting right now, partly because of the Chinese tariffs Learn more about your ad choices. Visit megaphone.fm/adchoices
May 22, 2019
5.21.19 Mortgage rates are falling; FDA warning on dietary supplements; SAT's new adversity score
2303
Mortgage rates are dropping. This is great if you are buying and many should consider a refinance; The FDA gives a warning on dietary supplements to watch out for; The SAT has a new adversity score. Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 21, 2019
5.20.19 Long-term care insurance; Name brands; One-day shipping
2304
Clark discusses the high cost of long-term care insurance; Some of the most expensive brands seem to be doing well right now. Clark tells you how to avoid buying the expensive name brands; One-day shipping is coming from some of the biggest retailers. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 20, 2019
5.17.19 Phone-addicted teens are getting burner phones; Clark Stinks
2305
Teens are buying burner phones to stay connected after their primary phones have been taken by their parents; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 17, 2019
5.16.19 Clark discusses his prostate cancer; Sneaky credit card surcharges; Soda taxes in Philly are lowering consumption
2316
Clark gives a positive update on the current state of his prostate cancer; New Yorkers are upset about sneaky credit surcharges landing on their final bill at NY establishments; Soda taxes are causing folks in Philadelphia to drink less sugary soft drinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 16, 2019
5.15.19 Major app and computer software hacked; Apple kicking apps off its app store; How tariffs will hurt Americans
2316
What's App was hacked and older versions of Windows have a major bug. You need to run and update ASAP if you use either; Apple is kicking apps off of its app store because they are competitive threats to proprietary apps that it has launched; Clark discusses what specific goods will cost more because of the increased tariffs on goods from China. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 15, 2019
5.14.19 Bike to work week; Alexa spying on kids; Travel bookings are lagging
2316
It's national Bike to work week. And electric bike sales are surging; Alexa is spying on your and your kids if you have an Echo device in your home; Travel bookings are lagging and that can often be a predictor of a possible recession. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 14, 2019
5.13.19 Tariffs and plunging stocks; Chobani pays off school lunch debt; Consumers can now sue Apple
2322
The stock market did not have a great day thanks to uncertainty in the market based on trade relations. Clark gives his take; The CEO of Chobani wrote a large check to a school district in Rhode Island that was penalizing kids for not having paid for their school lunches; A Supreme Court ruling means that consumers can now sue Apple for its app store practices. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 13, 2019
5.10.19 Auto makers getting into auto insurance; Clark Stinks
2309
As automobiles become increasingly autonomous, the nature of car insurance is changing too. Tesla is at the forefront of this change; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 10, 2019
5.9.19 Google making privacy changes; Packing more people into airplanes
2316
Google is making some changes to give you more control over your privacy when using the Chrome browser; Clark talks with David Lazarus of the LA Times about the potential for airlines to adopt standing seating arrangements.  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 09, 2019
5.8.19 New insane debt collection rules; Paypal & Venmo scams proliferate; One state is making it easier to work
2321
The CFPB has proposed new debt collection rules that are really, really bad for consumers; Watch out when using Paypal and Venmo because scammers are finding more ways to get access to your money via those apps; Arizona is making it easier for folks that move there to find work without government overreach.  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 08, 2019
5.7.19 Amazon/Walmart shipping wars; Beware new phone scam; Unlimited movies
2307
Amazon is switching to one-day Prime shipping and Walmart is fighting back; Beware of the one ring phone scam; Sinemia went bust - here's how to keep watching unlimited movies Learn more about your ad choices. Visit megaphone.fm/adchoices
May 07, 2019
5.6.19 Best short-term places for cash; Clark rages at Boeing; Uber/Lyft strike impacts
2317
Clark discusses the newest T-Mobile checking account that offers a 4% interest rate and also mentions some of the other best places to park your cash right now; Boeing is in big trouble for not revealing known airplane issues; Uber & Lyft drivers plan to strike this week. Here's what you need to know.  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 06, 2019
5.3.19 How to handle buying travel insurance before a trip; Clark Stinks
2321
Travel insurance can be confusing. Clark talks about where to shop for travel insurance and how to know if you need it or not; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 03, 2019
5.2.19 Kroger is changing things up and lowering prices; Medicare knee brace scam; Avoid big banks for mortgages
2308
Kroger is lowering prices at its stores across the country. And they are doing better at grocery delivery too; Beware of this Medicare knee brace scam preying on the elderly; Big banks are writing fewer mortgages. And that's good for consumers. Learn more about your ad choices. Visit megaphone.fm/adchoices
May 02, 2019
5.1.19 Getting a mortgage if you are self-employed; New-style payday lenders; Robot baristas are on the way
2309
Getting a mortgage is getting easier for self-employed folks; Clark warns against using apps that will advance you cash before your paycheck comes in; Robot baristas are making their way into high-traffic areas like airports Learn more about your ad choices. Visit megaphone.fm/adchoices
May 01, 2019
4.30.19 Auto insurance tracking; FDA and Canadian drugs; Congestion pricing to curb traffic
2307
Is it a good idea to let auto insurance companies track your driving?; The FDA has made a statement about Canadian drugs. Clark has some thoughts; Congestion pricing could be one of the best ideas to curb traffic at peak driving hours. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 30, 2019
4.29.19 Medical alert devices to consider; Online photos taken without consent; Getting rid of stuff
2308
Clark talks about the best medical devices to consider - and which ones are priced the best; Some researchers have scraped photos without individual consent; Marie Kondo has started a revolution. How do you get rid of your stuff in a money smart way? Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 29, 2019
4.26.19 How to quit smoking; Clark Stinks
2311
Clark used to smoke two packs of cigarettes a day. And he gives his thoughts on how to quit; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 26, 2019
4.25.19 Lower your overall housing costs; FCC is bad at collecting robocall fines; You don't own your medical records
2307
Housing is one of the biggest line items in your budget. But if you want to build wealth, keep that in check; The FCC has levied major fines against robocallers. But they haven't collected much; Unless you live in New Hampshire, you don't actually own your own medical records. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 25, 2019
4.24.19 Airfare deal website; Office Depot paying consumers post scandal; Biometrics in the workplace
2300
Clark talks about a cool new airfare deal website called Great Escape; Office Depot was fined $35 million by the FTC and post virus scam scan; Biometrics in the workplace is becoming a bit of a problem. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 24, 2019
4.23.19 Hotel growth slowing; Craigslist car scam busted; Housing sizes on decline
2314
Hotels aren't doing so hot. Clark tells you what this means when you travel; An online car sale scam was busted; Smaller homes are en vogue. Clark discusses this trend. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 23, 2019
4.22.19 Which home improvements pay off?; Ponzi scheme busted; How to cut dental care costs
2303
Which home improvements make sense in order to maximize your money?; A ponzi scheme was busted in Florida and ordered to pay over a billion dollars in fines; How can you cut the costs of your dental care? Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 22, 2019
4.19.19 Some companies are paying you to unplug while on vacation; Clark Stinks
2302
You should take all of your vacation time. And some companies are actually giving bonuses for employees to actually put their phones and email away while they are on vacation; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 19, 2019
4.18.19 Google AI helping law enforcement solve crimes; Rock n Play recall; CVS catering healthcare towards wellness
2305
Google has artificial intelligence that is helping law enforcement officials solve crimes based on location and phone activity; Fisher-Price is recalling Rock n Play sleepers; CVS is making huge investments towards lowering healthcare costs by incentivizing wellness. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 18, 2019
4.17.19 Best and cheapest interior paint; Law enforcement spoofing; Why timeshares are so bad
2302
It turns out that some of the best interior paint (according to reviews) is actually the cheapest; Watch out for law enforcement spoofing. It's a growing menace; Timeshare are SO bad. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 17, 2019
4.16.19 5G rollouts are actually happening; Car dealerships make most of their profit with add-ons and extras
2305
AT&T is rolling out 5G in more cities. Clark tells you what you need to know as 5G becomes more and more commonplace; Add-on services are where car dealerships make most of their profits. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 16, 2019
4.15.19 Cars that stop you from speeding; Anonymously shop around for mortgage rates
2301
The EU is working towards all new cars being able to obey speed limits regardless of the driver by 2022; A new website allows you to shop for mortgage rates without being inundated with phone calls from sales people.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 15, 2019
4.12.19 Airline improvements and how to get customer service when an issue arises; Clark Stinks
2320
Clark talks about which airlines are currently rated the highest and how you can fix customer service issues when they come up; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 12, 2019
4.11.19 Getting cheap greeting cards; Counterfeit goods online; Your hidden online trust score
2308
Greeting cards are becoming less popular in general. And Clark talks about where to shop in order to get a deal; Counterfeit goods being sold online is becoming more and more of a problem; Trust scores attributed to individual consumers are becoming a thing. But you don't have access to that score. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 11, 2019
4.10.19 Walmart robots; Don't forget about IRS Free File; Cheap flights and consumer deals
2324
Walmart has some fascinating robots that scrub floors and stock shelves; Don't forget to file your taxes! And the IRS has free filing options you should check out; Clark gives a round-up of cheap flights and some of the best consumer deals around today. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 10, 2019
4.9.19 Infant sleeping device warning; Ponzi scheme wire fraud; Watch out when shopping for health insurance
2317
The Rock n' play sleeper has led to the deaths of ten infants. Be careful; Private placements and exorbitant returns are a clue that an investing scheme is likely too good to be true; Watch out when shopping for healthcare sites that aren't Healthcare.gov. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 09, 2019
4.8.19 What you need to know about Real ID; Elder insurance fraud; Pre-paid card protections
2324
Real ID is being implemented next year. Clark tells you what you need to know; An awful case of elder insurance fraud just happened in Maryland; Why credit card protections are so much better than debit card protections. And pre-paid cards have just been granted new important consumer protections. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 08, 2019
4.5.19 Americans are borrowing money to pay for healthcare costs; Clark Stinks
2314
Americans eschew certain healthcare procedures to cut costs and are often borrowing from others to pay for healthcare needs; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 05, 2019
4.4.19 Americans running up credit card balances; New cell phone scam; Burger King to offer Impossible Burgers
2316
Credit card balances and interest rates have ballooned in the past five years; Watch out for this new (and tricky) cell phone  scam; Burger King is testing out the tasty vegetarian Impossible Burgers in St. Louis.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 04, 2019
4.3.19 Airline software meltdown; GA Tech data breach; Stay safe when taking Lyft and Uber
2319
Clark says that there is a message for businesses in the aftermath of airline software failing this week; GA Tech had a data breach involving over a million former and current students; Clark gives thoughts on how to stay safe when using a ride sharing service. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 03, 2019
4.2.19 Schwab changes the game on investing advice fees; Bottled water; Car congestion tax
2322
Schwab's new Netflixesque pricing for financial advice will be a game changer for some investors; A lawsuit against one bottled water company alleges false advertising; Manhattan has a new car congestion tax coming. Clark gives his thoughts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 02, 2019
4.1.19 Best customer service companies; Health insurers tracking you; Where scams happen most frequently
2307
Clark discusses which companies have the best customer service across all sectors; Health insurers might be buying up data on you to know your health risks more fully; Clark talks about what parts of the country scams are most likely to occur in. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 01, 2019
3.29.19 Here are the benefits that employees really want; Clark Stinks
2293
A new study details the benefits that employees really want from their employers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 29, 2019
3.28.19 How adults with kids hurt their retirement savings; Financial infidelity; Best time to sell your home
2316
Adults with kids are having to delay quitting work because they are putting more of their money towards the kiddos than to their retirement accounts; Financial infidelity is a real problem. Don't hide accounts from your spouse; We're getting into home selling season. Clark tells you how to sell your home for max money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 28, 2019
3.27.19 Venmo going after users; Puppy scams; Protecting your internet accounts
2320
Venmo is taking money from user's PayPal accounts and calling debt collectors when they run a negative balance; Here's how to avoid losing big money in puppy scams; Two-factor authentication will help you protect your social media and email accounts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 27, 2019
3.26.19 Is a recession coming?; Facebook password breach; Organic food costs
2307
Recession changes are being hotly debated right now. Clark gives his thoughts; Facebook left user passwords exposed. Yet another misstep by the social media giant; Organic foods are blowing up. And the costs are going down. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 26, 2019
3.25.19 Mortgage rates declining; Heartless airlines; Gas tax hike likely
2319
Mortgage rates have been doing down. Some mortgage providers are offering 30-year mortgages in the upper 3% range now!; Clark isn't happy about airlines treating minors badly and separating them from their families; Upping the gas tax has bipartisan support in Washington DC - a rarity these days. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 25, 2019
3.22.19 Free tax prep and your privacy; Clark Stinks
2307
Free tax preparation services might be offering you that free service in exchange for your data; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 22, 2019
3.21.19 Apps and subscriptions to lower entertainment costs; Expensive 403b plans; Apple releasing a credit card
2292
The NY Mets have created a subscription service to attend baseball games. An app called InWeGo also allows for a lot of entertainment options at a low monthly subscription price; Expensive 403b plans are terrible for teachers; Apple is releasing a credit card with Goldman Sachs this Spring Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 21, 2019
3.20.19 Watch March Madness for free; Manufacturing is coming back to the US
2319
You can watch the NCAA tournament for free. Also, video games will soon be cheaper and less tied to specific gaming systems; Manufacturing is coming back to the US thanks to robotics and changes in globalization trends. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 20, 2019
3.19.19 Your digital life after death; Virtual kidnapping scams; The current state of tax fraud
2304
What happens to your digital life after you pass away? Clark has advice to help you make it easier on your loved ones; Virtual kidnapping scams are targeting high-income earners in elite zip codes; The IRS is doing a better job cracking down on tax fraud. But it can make it more difficult for taxpayers to prove their identity in order to receive their own refund.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 19, 2019
3.18.19 Trouble saving for retirement; Bad 529 plans; Home ownership on the rise
2310
Most Americans have trouble saving for retirement. And savings rates don't tend to increase very much as people get older; Watch out for this direct-sold 529 plan laden with high fees; Millennials are starting to buy homes! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 18, 2019
3.15.19 Well-known money advice guru ran ponzi scheme; Clark Stinks
2314
Former "Money answer man" Jordan Goodman was running a ponzi scheme and massively profiting from his shady relationships; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 15, 2019
3.14.19 Zebit CFO responds to Clark; Fee-laden target retirement funds; Renovation scams
2294
Zebit sells electronics items to people with low credit scores. Clark made some comments earlier this week and now has the Zebit CFO on to respond to his comments; Fee-laden target retirement funds have been targeted by the SEC; A huge percentage of folks that decide to renovate a home feel that they were scammed in the process Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 14, 2019
3.13.19 College bribery scandal; Dollar Tree raising prices; Boeing Max planes grounded
2019
The college bribery scandal is a sad thing to see happen. The college you go to can be helpful - but it isn't the end all be all; Dollar Tree is likely raising prices - in large part because of the rising costs due to tariffs; The US finally made the right call to ground Boeing Max planes  Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 13, 2019
3.12.19 Watch out for this shopping website; Wells Fargo remains unchanged; Battles against Airbnb rage on
2309
Zebit claims to offer people with no credit interest free purchases. But the devil is in the details; Wells Fargo's company culture remains unchanged despite its claims; Some municipalities continue to battle Airbnb. Here's what you need to know as a potential guest. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 12, 2019
3.11.19 Boeing jet crash effects; College data breach; Clark loves daylight savings time
2315
Clark talks about the terrible Boeing jet crashes - and what effects this might have for air travelers; Three colleges recently had data breaches. And now students are being blackmailed; Clark loves daylight savings time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 11, 2019
3.8.19 Sell, donate, or recycle used goods; Privacy battles over home security cameras
2303
Clark discusses the best ways to sell, donate, or recycle used goods; A privacy battle is brewing when it comes to home security cameras - especially doorbells. Should law enforcement have a right to the video on your device?  Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 08, 2019
3.7.19 How and when to buy travel insurance; Deactivating Facebook makes you happier
2304
Clark gives a primer on how and when to buy travel insurance; Deactivating Facebook makes you happier - and puts a lot of time back in your life Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 07, 2019
3.6.19 Watch out for less generous homeowner's insurance policies; Smartphone sales are in decline
2293
One couple sued State Farm over slashing benefits. Make sure you pay close attention to your coverage limits; Smart sales are in decline. Clark discusses why. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 06, 2019
3.5.19 A credit card for folks with poor credit; Colleges collecting data on students
2306
Petal Card is a great new credit  card for people that have poor credit; Colleges are collecting data on students without their knowledge. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 05, 2019
3.4.19 Lower housing costs are huge for your budget; Flight attendants working for tips
2290
Lower monthly housing costs are a boon to your budget and a big predictor of how much money you'll be able to save and invest; Flight attendants on some airlines are working for tips now. Clark is not in favor of this policy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 04, 2019
3.1.19 Cars that stay on the road longer; Clark Stinks
2317
Clark tells you which cars end up staying on the road longer. It might be worth considering one of these in the future; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 01, 2019
2.28.19 Best places to retire; Grandparent scam; Happiest cell phone customers
2315
Clark talks about the best places to land for retirees. Spend less on living expenses when you aren't working anymore!; Help your elderly friends and family avoid the grandparent scam; Which cell phone companies have the happiest customers? Clark shares that info. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 28, 2019
2.27.19 Virtual credit card numbers; Fake Netflix email scam; Social media makes us spend more
2316
Virtual credit card numbers are becoming more rampant. Capital One offers them to its credit card users and its helps in preventing massive amounts of fraud; Watch out for this Netflix email scam floating around; Social media makes us spend more. So stay off it or watch your impulses! Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 27, 2019
2.26.19 New expensive cell phones; Student loan forgiveness lawsuit; Zestimates gaining accuracy
2304
New cell phones are coming. Foldable screens are coming soon, but with a hefty price tag attached; 3 individuals eligible for PSLF won a fight against the Department of Education in a court of law; Zestimates are gaining accuracy but Clark tells you why they still are far from perfect. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 26, 2019
2.25.19 Apps giving your data to Facebook; VA problems persist; Skiplagging to score cheaper airfare
2349
Facebook has stepped in it again. Apps were giving Facebook loads of data about you including some really personal stuff; Incredibly sad and disturbing news - Vets are committing suicide in VA hospital parking decks as a protest to how poor the VA service has gotten; Lufthansa has sued a passenger for getting off the plane before finishing their reservation. Clark is in favor of using skiplagging services to save on your flights! Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 25, 2019
2.22.19 Prostate cancer awareness; Clark Stinks
2319
Clark was diagnosed with prostate cancer over 10 years ago. And he is working with the Prostate Cancer Foundation to raise awareness. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 22, 2019
2.21.19 Credit card fees on the rise; FDA cracks down on fake supplements; Making your home WiFi safe
2303
Credit card fees from Visa and Mastercard are going up. Small businesses and consumers will bear the brunt; The FDA has issued a warning about supplements touting miraculous cures for Alzheimer's disease; A new Clark.com article details how you can make your home WiFi network safe. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 21, 2019
2.20.19 Low-cost investing gets better; Medical records data breaches; AI will change car insurance
2320
Hundreds of ETF's have just been made fee-free by some of the discount brokerage companies; Beware when you give your social security number to your medical service provider; Artificial intelligence will change how we get from place to place but it is also going to change the way we get auto insurance. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 20, 2019
2.19.19 What's up with tax refunds?; Social security impostor scam; Best deals today
2316
There's been a big stink about Americans getting smaller tax refunds. But what's the real explanation?; Beware of social security impostor scams; Clark talks with Charis, the head of Clarkdeals.com, to discuss the best deals happening today Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 19, 2019
2.18.19 Car repossessions are up; Widow denied pension; No Amazon in NY
2337
Car repossessions are becoming a bigger problem; A widow with MS has been denied her husband's pension based on one form that can't be tracked down; Amazon will no longer be erecting a second HQ in NYC. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 18, 2019
2.15.19 Smart appliances invading your privacy; Clark Stinks
2312
Smart appliances could be invading your privacy thanks to lax standards from the manufacturers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 15, 2019
2.14.19 We live in a subscription culture; Auto insurance shopping; Going to college is risky
2282
Companies have brought back the subscription model in full force. Is that good for your pocketbook?; Auto insurance shopping can save you lots of money. But how do you go about it?; Going to college can make you a lot more money over your working lifetime. But the costs of college can also create massive risk in your life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 14, 2019
2.13.19 Risky home loans; broker kickbacks; Eyeglasses are super expensive
2309
Risky home loans are back. Avoid them at all costs; Incentives lead brokers to steer you towards pricier investment options; Clark talks with David Lazarus of the LA Times about why eyeglasses are so expensive.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 13, 2019
2.12.19 Best supermarkets; Disney prices increase again; Lab-grown diamonds
2305
Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 12, 2019
2.11.19 Valentine's Day savings; Negative online reviews; Parents paying for college
2340
How can you do Valentine's Day well without spending too much? Clark tells you; Negative online reviews are annoying. But what if they come from a business competitor?; More and more parents are putting a cap on what they will pay for their child's college education. This is a good thing. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 11, 2019
2.8.19 State lemon laws vary widely; Clark Stinks
2323
Lemon laws are different in every state. But new ratings are out detailing which states have the best ones; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 08, 2019
2.7.19 Safeguard your ID while traveling; CFPB waters down payday lending rule; Paid leave
2318
Clark gives you practical info for how to safeguard your electronic devices while traveling; The CFPB is back tracking on rules for payday lending standards; Paid leave is a hotly debated topic in this country. Clark talks about a few employers doing things differently and weighs in on how he thinks we should change pay leave policy in America. Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 07, 2019
2.6.19 Earned income tax credit; Instacart pay problems; Car dealers have more inventory on the lot
2319
Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 06, 2019
2.5.19 Economy worries increasing; Teacher grants wrongly converted to loans; Walmart offers enhanced sick/PTO pay
2290
Worries about the short-term economic future of the USA are being felt acutely by American small businesses; The department of education has erroneously converted teacher grants into loans. But there's a potential fix for affected teachers; Walmart's new sick/PTO policy is good for its workers Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 05, 2019
2.4.19 Best streaming options; Shrinking packaging; When to file an insurance claim
2351
Clark discusses some of the current best streaming options - including a free on for local TV; One company was just sued over misleading packaging. Clark tells you what to look out for; Many suffered home and vehicle damage because of the recent polar vortex. But should you file an insurance claim? Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 04, 2019
2.1.19 Clark and his daughter talk about cheap weddings; Clark Stinks
2281
Clark talks to his daughter Rebecca about how they were able to cut wedding costs (and pay down their debt at the same time). Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 01, 2019
1.31.19 Amazon robot delivery; An episode of The Office helps save a woman; Recession on the way?
2284
Amazon is testing delivery via robots; A car mechanic saved a woman thanks to his extensive knowledge of the television show The Office; The claims that a potential recession is imminent are growing. Clark tells you how to prepare your personal finances for this possibility.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 31, 2019
1.30.19 Face time privacy flaw; AT&T makes it difficult to cancel; Pet insurance pros and cons
2317
A 14 year-old kid found a privacy flaw in Apple's Face time app; AT&T employees are being told to make it difficult for customers to cancel their TV packages; Clark talks about the pros and cons of purchasing pet insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 30, 2019
1.29.19 Mortgages going digital; Facebook dupes online game users; Hybrid-trained employees make more
2312
Mortgages are finally transitioning into the digital age; Facebook took money from underage kids for online gaming. And they did it while knowing exactly what they were up to; If you get hybrid training you will make more money.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 29, 2019
1.28.19 Cruise deals happening now; Verizon reverses school fee stance; Almost no-one makes money via MLM's
2322
Wave Week is in full swing and the cruise deals are best to buy now through March; Verizon made a Clarkrage recently. Thankfully the massive company has rethought their stance; Less than 1% of people that participate in an MLM make money.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 28, 2019
1.25.19 Small business tax law changes; Clark Stinks
2300
Clark talks about how the new(ish) tax law will affect small business owners; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 25, 2019
1.24.19 Cashless businesses?; Wells Fargo fined again; Bogus credit card insurance
2309
Some businesses aren't accepting cash anymore. Others are charging you more for using credit cards. What should a smart consumer do?; Wells Fargo has been fined yet again. Clark explains; Clark talks with David Lazarus about a story he wrote where one credit card company refused to honor a death policy that they sold. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 24, 2019
1.23.19 Student loans affect home ownership; Closing funds transfer scam; Are extended car warranties worth it?
2292
Student loans have prevented many young people from purchasing a home they otherwise would have; Watch out for scam artists trying to steal your funds when you wire for a home closing; New evidence about whether or not extended car warranties are worth it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 23, 2019
1.22.19 Digital drivers license; Free trial auto-billing; Personal finance classes in schools
2327
Digital drivers licenses are coming. Many privacy advocates are nervous about this but this could be a great thing as well; Mastercard has just done something incredibly human. They won't let you be billed after a free trial without your express permission; Personal finance classes are slowly but surely becoming a real thing in some states! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 22, 2019
1.21.19 Stop apps from tracking your location; Extinct consumer issues
2296
Clark tells you how to stop apps from tracking your location; This segment is fun. Take a trip down memory lane to see what consumer issues used to haunt people but no longer hold any relevance. We're looking at you, Blockbuster late fees! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 21, 2019
1.18.19 Paying bills will increase your credit score; Clark Stinks
2306
Paying bills could now have a direct positive impact on your credit score thanks to Experian; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 18, 2019
1.17.19 Your next home might not use energy; Metlife pension fail; Choosing financial independence
2295
New homes and office buildings are set to use ZERO energy. How cool is that!?; Metlife fined for not paying out pensions to workers; Clark talks with the Brad and Jonathan from the ChooseFI podcast about pursuing financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 17, 2019
1.16.19 Netflix price hike; Verizon's insane price hike; A 70% tax rate? Really!?
2316
This Netflix price hike has a lot of people freaking out. Clark discusses; Verizon just massively increased the price on a service that helps school aged children. Not cool!; And one young congresswoman has proposed a 70% tax bracket. Clark talks about why that isn't a good idea even though it is popular with a majority of Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 16, 2019
1.15.19 Hospitals now posting prices; Car theft on the rise; Contactless credit cards
2290
Hospitals are now posting prices but it doesn't look like it will actually help consumers right now; Car theft is on the rise mostly because drivers are leaving their key fobs in their cars; Contactless credit cards are coming to your mailbox this year in droves. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 15, 2019
1.14.19 Don't sign up for websites with social media logins; Cell phone companies selling your location data; Effects of the government shutdown
2315
Be careful about signing up for different websites and offerings with your social media credentials; AT&T is going to stop selling the location of its customers. Clark is not happy at all that this was going on in the first place; The government shutdown has had wide ranging effects. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 14, 2019
1.11.19 Computer home appraisals; TikTok app is big with kids - here's what you need to know
2315
Computer home appraisals might be coming soon. Clark and Producer Joel discuss the pros and cons of this potential change; TikTok is surging in use among kids. Clark tells you what to watch out for if your kids are using this app. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 11, 2019
1.10.19 Job interviews via text message; Bank balance info can easily be found; Cash out refinances on the rise
2312
Job interviews are beginning via text message oftentimes now. It's a significant shift and Clark tells you what to be aware of when applying for a job now; Your bank balance can be found by criminals. Clark tells you how they are doing it; Cash refinances are on the rise even as rates are ticking upwards. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 10, 2019
1.9.19 LIVE from CES: Clark discusses keyless door locks, smartphone developments, eliminating porch pirates, medical devices and more!
4306
LIVE from CES: Clark discusses keyless door locks, smartphone developments, eliminating porch pirates, medical devices and more! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 09, 2019
1.8.19 LIVE from CES: Clark discusses self-driving cars, delivery robots, healthcare advancements, and more!
4205
LIVE from CES: Clark discusses self-driving cars, delivery robots, healthcare advancements, and more! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 08, 2019
1.7.19 College degrees and job availability; Paying for legroom on airplanes; Why are desk phones still around
2305
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 07, 2019
1.4.19 A primer to owning rental property; Fake healthcare scam; Saving for your child before birth
2298
Want to own investment property at some point? This podcast episode is a good place to start; Watch out for this fake healthcare scam making the rounds; Did you know that you can actually save for your child's college before they are born? Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 04, 2019
1.3.19 Distracted driving dangers; App to help authors get noticed
2300
Distracted driving is becoming more of an issue all over this country; This app could get your e-book in front of thousands of readers. Some authors have put their books on Watt and found publishing deals because of it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 03, 2019
1.2.19 Nanoinfluencers on social media are now a real thing; Aldi vs. Whole Foods
2307
Watch out for sponsored posts from people with an incredibly small social media following; Have prices at Whole Foods gone down since Amazon bought the giant grocery retailer? Clark dives into the price difference now between Aldi and Whole Foods. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 02, 2019
1.1.19 Installment loans are back; Industries with the best customer service
2308
Fintech companies have brought back the installment loan. Watch out; Clark talks about what industries have the best customer service. Some will surprise you. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 01, 2019
12.31.18 Google Fi just got better; Fewer people are getting raises
2315
Google Fi allows you to use iPhones now along with a whole slew of Android phones; Fewer people are getting raises. And more and more Americans are in favor of a higher minimum wage. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 31, 2018
12.28.18 Foster kids at risk; Warning for small biz owners; Car leasing costs going up
2298
As foster care kids reach adulthood, difficulties mount; A warning to small business owners about expired URL's and how they can be commandeered; Leasing a car is getting even more costly than it has been. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 28, 2018
12.27.18 Flight cancellations and what to do; Are credit card annual fees worth it?
2296
Clark tells you what to do in the case your flight is cancelled; Credit card annual fees are often said to be bad. But sometimes they can be worth it. Clark tells you how to judge whether a card with an annual fee is worth it for you or not. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 27, 2018
12.26.18 Carmax now offers a return period; Walmart's healthcare approach
2300
Carmax is taking a page out of Carvana's book and is now offering a 7 day return period on some car purchases; Walmart is paying for airfare and hotel stays for surgery in order to cut its healthcare costs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 26, 2018
12.25.18 Merry Christmas! Direct sale companies are flourishing; Year-end tax advice
2380
Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 25, 2018
12.24.18 Coworkers and social media; Credit report mistakes
2308
Should you friend your coworkers on social media?; How long do mistakes stay on your credit report? Clark explains. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 24, 2018
12.21.18 Clark Stinks; Clark tells the story of how he retired early
2294
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark tells his story about how he retired at 31 and why he continues to teach personal finance to millions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 21, 2018
12.20.18 Most important move for home buyers; IRS imposter scams; Shrinking middle class
2318
Why shopping for your financing is the most important step when you are considering buying a home; IRS imposter scams are making the rounds. Beware!; The middle class is shrinking according to statistics. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 20, 2018
12.19.18 Paying cash for college; Resort fees; Owning vs renting stuff
2308
Clark interviews Sabrina from WorkingMom.com about how she made massive changes in order to be able to pay cash for college for her kids; Resort fees are popping up more and more and they are often being charged at everyday hotels that aren't resorts; Should you own or rent stuff? That question often gets asked about home ownership, but rarely about the things that you use.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 19, 2018
12.18.18 Money problems lead to health issues; Faith fraud; Deleting old accounts
2305
Money problems can often lead to health issues. That's mostly because of the impact that stress has on us; One couple stole $12 million dollars from others through a faith fraud scam; Deleting old accounts is very important and can save you from potential identity theft.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 18, 2018
12.17.18 Remote patient monitoring; Voice phishing; Cutting your internet cord
2294
Remote patient monitoring is getting better and could save money on medical costs; Watch out for this voice phishing scam!; Could you cut your home internet cord? Turns out there's a solution that you could be overlooking to help you do just that.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 17, 2018
12.14.18 Clark Stinks; Zoning laws have major impacts across the country
2301
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Minneapolis just changed their single family zoning laws. Clark talks about the major impact that zoning laws have on municipalities. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 14, 2018
12.13.18 Best & worst home insurance companies; Fake shipping email scam; ABLE accounts get better
2308
Clark talks about which insurers you should consider doing business with; Watch out for this new fake email shipping scam; ABLE accounts have had some changes recently. And those have made the accounts for the disable much more valuable. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 13, 2018
12.12.18 Cheapest used cars to repair; Equifax report sheds light on mistakes; Best & worst store return policies
2325
Which brands and models are the cheapest to repair? Clark fills you in; A new report about the Equifax breach sheds light on the myriad mistakes they made that exposed the data of tens of millions of Americans; What stores offer the best and worst return policies is something you need to keep in mind while doing your Christmas shopping.   Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 12, 2018
12.11.18 The smartphone decline; How to give gift cards; For-profit college closures
2303
Smartphones aren't getting much smarter these days. So Clark tells you how to avoid the hype and avenues to pay less on your cell phone hardware; Gift cards aren't the best gift. But you can make it a decent gift with a couple smart strategies; A few for-profit colleges went bust today. It's important for students to apply for student loan cancellation. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 11, 2018
12.10.18 Obamacare enrollment ends soon; Best deals today; How much your data is worth
2317
Obamacare open enrollment ends this Saturday. Plus Clark talks about Fidelity's new HSA offering!; It's Green Monday and there are some great deals out there; How much is your data worth? Clark tells you the info that identity thieves will pay a lot for...and how to protect yourself. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 10, 2018
12.7.18 Clark Stinks; Free gifts for kids at Christmas
2310
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark shares a long list of free gifts that will mean a lot to kids at Christmas time.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 07, 2018
12.6.18 Beware sending money digitally; Medical malpractice; Waymo self-driving advances
2310
Watch out when sending money via apps. Especially, check your privacy settings on your Venmo app; Doctors are losing their license in one state and practicing in another...and another; Waymo is making some major inroads in the self-driving game.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 06, 2018
12.5.18 Best deals on cars right now; Marriott's awful breach response; Awesome deals today
2324
We're close to the end of the year. Clark talks about where to find the best deals on cars both used and new; Marriott is not doing the right thing for their customers post breach; Clark talks with deals editor Charis about the best deals today.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 05, 2018
12.4.18 Gifting 529 money; Tesla self-driving fiasco; Subprime auto loans
2283
A way to gift 529 money is here!; Falling asleep while drunk in a Tesla? Yep, it happened; Subprime auto loans are on the rise. That's not good. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 04, 2018
12.3.18 Marriott breach; Payless' amazing ad campaign; Biometric airport terminals
2323
Marriott just had a severe breach. Clark tells you what to watch out for in the coming weeks in light of this breach; Payless' new ad campaign was pretty incredible and reinforced how label-conscious our society can be at times. Don't buy the hype!; Delta just launched the first biometric airport terminal. It is already making things more efficient. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 03, 2018
11.30.18 Clark Stinks; Video doorbells are catching criminals
2296
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Video doorbells are all the rage right now. Millions are being sold every year in America. And one of the major benefits is that they are helping local police departments catch criminals.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 30, 2018
11.29.18 The 401k is 40 years old; Amazon e-mail scam; Customer service key logging
2319
The man that invented the 401k is speaking out 40 years later. And many of the changes he would make to the now popular retirement plan are similar to the ones Clark has been touting for years; Watch out for this Amazon e-mail scam flooding inboxes post a recent breach of some Amazon accounts; Many customer service chat folks can now see what you are typing while you are typing it. Creepy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 29, 2018
11.28.18 Housing market slowdown; Small business scams; Holiday tipping tips
2323
The housing market is slowing down - even in the hottest markets; Scam enterprises are plentiful operating out of New York trying to get small businesses to sign up for loans with terrible  terms; Who and how should you tip this Holiday season? Clark discusses...and there are some tipping suggestions that deserve to be mocked just a little bit! Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 28, 2018
11.27.18 Real or artificial Christmas tree?; Social security customer no-service; Vanguard fee cut
2281
Should you be buying a real or an artificial Christmas tree? Clark goes through the pros and cons to the environment and to your wallet; Social security wait times are outrageous; Vanguard has cut the minimum amount for you to be able to invest in its lower fee Admiral funds. Great news! Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 27, 2018
11.26.18 Cyber Monday; Bitcoin crashing; GM layoff announcement
2324
Black Friday is over and Cyber Monday is here. Clark talks about shopping for deals and how travel deals are likely to be the star tomorrow; Bitcoin is crashing. It's still a speculative buy and not worth purchasing now; GM announced plant closures and layoffs today. This directly impacts how much you'll pay for a new car now and in the future. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 26, 2018
11.23.18 Moving to make more money; Everything you need to know about PMI
2305
Relocating can have a major impact on your salary; Feel like you are throwing away money every month on PMI? Clark gives you all the details about PMI and avenues to get rid of it so you can keep that money in your pocket. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 23, 2018
11.21.18 The cost of raising a child; Moviepass alternatives
2323
How much does it really cost to raise a child? Clark gets into it; If you are a fan of seeing movies but spending a whole let less money doing so, check out these Moviepass alternatives. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 21, 2018
11.20.18 Customers providing the customer service; Refinancing your car loan
2300
Some companies are using their own customers to provide customer service to patrons in need of help; Refinancing your car loan has no up front costs and can save you lots of money in interest payments. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 20, 2018
11.19.18 Home prices slowing; Travel junk fees
2302
Home prices have stalled out in many markets. Good news for first-time home buyers!; Watch out for these junk fees when traveling. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 19, 2018
11.16.18 Clark Stinks; Americans are eating less fast food
2304
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Americans are going to fewer fast food restaurants. Clark discusses why that is the case. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 16, 2018
11.15.18 Vanguard customer satisfaction drop; Flavored e cigs; New Amazon DVR
2301
Vanguard dropped in the ACSI ratings due to worse customer service. Clark runs through other results from the recent customer satisfaction survey; Juul has announced that it will no longer sell flavors of liquid for its e cigarettes. That is good news for parents; Amazon has a new DVR for cord cutters that is worthy of your consideration. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 15, 2018
11.14.18 Amazon's new HQ2 cities; VA nursing home outrage; Banks working with the DMV
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Amazon announced its HQ2 cities. And the biggest downside is the corporate welfare culture; The VA has been the subject of a few Clarkrages. Here is another important update on what is happening in VA nursing home facilities; Banks are working with DMV's across the country to better identify their customers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 14, 2018
11.13.18 Used cars are costing more; Mailbox crimes; 3D printing glasses
2307
The average used car now costs more than $20k!; USPS mail preview is giving fraudsters a leg up on us; 3D printing glasses is the future of allowing customization. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 13, 2018
11.12.18 Google and Facebook end arbitration clauses; Paying at the pump; Tiny homes helping homeless vets
2329
Google and Facebook are ending arbitration clauses for sexual harassment claims; How to protect yourself from more advanced skimmers that aim to steal your payment information. They are widely used at gas pumps now; Home sizes are shrinking. There are lots of benefits to that shift. Also, homeless vets are benefiting as tiny homes in certain locations are offering places for them to rest their head as they seek to get back on their feet. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 12, 2018
11.9.18 Clark Stinks; Veterans Day
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Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Clark talks about the importance of Veterans Day and discusses his own service Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 09, 2018
11.8.18 Investing limits increasing; CVS receipts; Your customer service score
2310
The limits for what you can contribute to a 401k, 457b, or an IRA are increasing in 2019; CVS receipts are SO incredibly long; Your customer service score could determine whether you get decent customer service from a retailer or not. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 08, 2018
11.7.18 Car recalls; Your Facebook info is for sale; Wireless mesh routers
2307
Make sure to get recalls on your car fixed in a timely manner; Your Facebook info - including actual messages you have sent through the service - could be for sale online after the Facebook breach; Wireless mesh routers can help your home WiFi in a big way. And these systems are going down in price as well. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 07, 2018
11.6.18 International airfares to increase; Eliminating home internet with your cell phone plan
2321
Some of the discount international airlines are in financial trouble. This could lead to increasing airfare prices when traveling overseas; Sprint has a cell phone plan that could help you eliminate the need for at-home internet.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 06, 2018
11.5.18 Open enrollment; Gift card scam; Amazon holiday free shipping
2316
Open enrollment is upon us. Clark tells you how to tackle it in order to save the most and get the best coverage for your dollar; Gift card scams are proliferating. Watch out for a strange email from your boss...; Amazon is offering free shipping for all this Holiday season. Free shipping isn't just for Prime members anymore. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 05, 2018
11.2.18 Clark Stinks; Gas prices going down for the Holidays
2310
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Gas prices are going down just in time for the Holidays. And the US is now #1 in getting oil out of the ground. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 02, 2018
11.1.18 Marriott strike; Android phone deal; Robots changing grocery delivery
2321
Marriott employees are striking. And this is not good for Marriott customers; Clark mentions an awesome deal on a flagship Android phone that's only available for a few days for T-Mobile customers; Robots are changing the way groceries are delivered. And major grocery companies are diving headlong into this...and spending lots of money to make headway. Learn more about your ad choices. Visit megaphone.fm/adchoices
Nov 01, 2018
10.31.18 Credit card issuers canceling cards; Kids and screen addiction
2304
Discover, Capital One, and other credit card issuers are cancelling cards that haven't been used in a while. Clark talks about what this means for the broader economy and how you as an individual should handle your plastic; Screen addiction in youth is looking like a major problem. Wealthier and more educated communities are striving to ban screens for youth altogether - especially in schools.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 31, 2018
10.30.18 Are work surveys really anonymous; Marine housing issues; Hotel best price guarantees
2288
Many employees are given supposedly anonymous surveys to take at work. But are they really kept anonymous and how should you approach them?; Clark is upset and housing issues that marine families face. This needs to be rectified!; Hotels are trying really, really hard to get you to book directly through their websites. But is that really the best option?  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 30, 2018
10.29.18 Credit card with no credit check; Harmful selfies; Resumes in the digital age
2300
Petal Card allows consumers to get a credit card without going through a credit check; More people are dying from poorly timed selfies; Clark talks about how to get your resume in front of the decision makers in the digital age. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 29, 2018
10.26.18 Clark Stinks; Minimum wage laws working?
2316
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; The minimum wage law seems to be working well in Seattle. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 26, 2018
10.25.18 Credit Karma pre-approval; Illegal substances in supplements; Car sales slowing
2289
Credit Karma is making it easier to know ahead of time whether you'll be approved for a credit application; Beware taking supplements. Many have harmful substances in them; Car sales are slowing down which is a sign of potential economic changes but could also net you a deal on a vehicle in the near future Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 25, 2018
10.24.18 Where to buy toys for Christmas; Mobile check deposit rules; Prescription drug price disclosure
2306
With Toys R Us having gone bankrupt, Clark discusses how to approach toy shopping for Christmas; Mobile check depositing is a gift from above. But some folks are abusing this gift and new rules about how you can deposit mobile checks are coming to a banking app near you; Prescription drug companies might have to disclose their drug prices on TV ads in the near future. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 24, 2018
10.23.18 Brand name prices skyrocketing; Scam calls proliferate; Zip codes and car insurance prices
2308
The prices of brand name goods are going up and up. There's even more reason to shop for generic and store-brand items in this environment; YouMail created a survey and found that scam calls are proliferating. Clark tells you what to do about that; What zip code you live in can be a huge determinate in what you pay for car insurance. This fact makes it even more important to shop around for better insurance rates often. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 23, 2018
10.22.18 Clark discusses recent NYC trip; Many earning nothing on their savings; Non-compete clauses
2321
Clark talks about his recent trip to the Big Apple and how things have changed there; More than 1/4 of Americans are earning 0% in their savings accounts. That's not good!; Non-compete clauses are awful for individuals and for our economy as a whole. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 22, 2018
10.19.18 Clark Stinks; An easy way to avoid baggage fees
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Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Kayak has a new app that can help you quickly and easily avoid baggage fees. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 19, 2018
10.18.18 Great deals for savers; Facebook breach; One home standing post hurricane
2320
Banks are offering great deals to lure savers right now. Clark runs through a couple of the best ones you should consider; The Facebook breach was worse than we initially thought; In Mexico Beach, only one home survived the devastating hurricane. Clark discusses why and how we should move forward when building homes along the coast. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 18, 2018
10.17.18 Free stuff for good grades; Mattress tariffs; Picking funds inside a Roth
2317
Clark refers to a Clark.com article about how kids can get free stuff for getting good marks at school; The tariff discussion continues. Next up on the chopping block are mattresses being shipped from China; Opening up a Roth or other investment account is a great idea. But don't forget to allocate the money inside of those accounts well to grow your wealth! Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 17, 2018
10.16.18 Airbnb vs governments; Phone lease are too long; Cost of college declining
2335
Hotels continue to fight Airbnb in many states and municipalities. But they seem to be losing; T Mobile has just launched a 3-year lease payoff for some smartphone purchases. It's crazy to pay for your cell phone over 3 years!; The true cost of college is actually declining slightly. That's the first time in a long time this has been the case. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 16, 2018
10.15.18 Sears files for bankruptcy; United airlines is Clarkrageous; 529 plan guide update
2325
Sears filed for bankruptcy and will be closing a lot of stores. Clark tells you what you need to know if you have items on layaway or have a Sears credit card; United Airlines is threatening its customers that use skip lagging to get lower fares; Clark has updated the 529 plan guide and offers you the best advice on which states' 529 plans you should consider investing in for your child's education. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 15, 2018
10.12.18 Clark Stinks; Waze carpool app is a game changer
2292
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; The Waze carpool app is a game changer as it makes finding fellow commuters to share a ride with incredibly easy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 12, 2018
10.11.18 Obamacare premiums going down; Google security breach; Stock market troubles
2310
Obamacare premiums are going down to the surprise of many. Also, a couple of new laws could make it easier for you to save on prescription drugs; Google's security breach was not handled well. Clark tells you to start using Duck Duck Go instead of Google's search tool; The stock market has had a tough couple of days. Clark gives his thoughts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 11, 2018
10.10.18 Experian PIN failure; Military moving scams; Mattress industry changing rapidly
2352
Experian had a security flaw potentially exposing your credit freeze PIN number. Clark tells you how you should respond to this awful news; Some companies that are contracted to move military families are having major issues and it is hurting the men and women that serve our country. That's not ok; Mattress Firm is closing hundreds of stores. Online mattress companies are completely changing how we buy mattresses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 10, 2018
10.9.18 Paying off a LOT of debt; New timeshare scam; Bank cyber attacks increasing
2339
Clark shares a personal story of a listener that paid off a massive amount of debt; Watch out for this new timeshare scam that only steals your money; Cyber attacks are on the rise and Clark talks about how banks are combating it.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 09, 2018
10.8.18 Retail rewards; not going to college; E sim cards
2348
New loyalty programs are bringing bigger perks to loyal shoppers; Men are forsaking college in bigger numbers; E SIM cards will make switching cell phone carriers much easier in the near future.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 08, 2018
10.6.18 SPECIAL: Clark and his 13 year old son Grant talk tech advice
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This is a special episode of the Clark Howard Show where Clark has a conversation about technology with his son, Grant. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 06, 2018
10.5.18 Clark Stinks; Micro hotels work for Millennials
2364
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Millennials are all about design and minimalism. That is definitely the case when it comes to the hotels they want to stay in. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 05, 2018
10.4.18 Solar in Puerto Rico; Ticketmaster ripoff; Cell phone plan changes
2346
Solar power is taking off in Puerto Rico post hurricane destruction; Ticketmaster has been accused of knowingly selling tickets to scalpers to increase its profit; Clark discusses the new changes in the cell phone plan marketplace. Shopping could save you big money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 04, 2018
10.3.18 Holiday hiring; Moviepass mega bungle; Suze Orman makes silly retirement remarks
2375
Amazon is upping its base pay in the near future to $15 an hour and companies are falling all over themselves to hire you for holiday work; Moviepass is auto enrolling former members. Not cool; Suze Orman made some ill conceived arguments against the financial independence movement recently on the Afford Anything podcast. Clark gives his rebuttal. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 03, 2018
10.2.18 Facebook data breach; Bogus travel insurance; Amazing food tracking techniques
2356
Facebook's data breach affects more than 50 million people. Clark has some big takeaways for users of the popular social media site; Lawsuits are flying accusing many of the airlines and cruise companies of selling travel insurance that isn't very good at an extremely inflated price; New food tracking techniques could prevent you from being sold potentially harmful food. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 02, 2018
10.1.18 Thawing credit getting easier; Spam cell phone calls; Great online banks
2380
Thawing your credit might not require PIN numbers anymore. And that's not good; Spam calls to your cell phone are becoming a pervasive problem; There are new online bank offerings that you should consider that pay more and offer more benefits and convenience. Learn more about your ad choices. Visit megaphone.fm/adchoices
Oct 01, 2018
9.28.18 Clark Stinks; Car dealerships are having a hard time right now
2361
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Car dealerships have had a hard time keeping younger employees and keeping up with the times Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 28, 2018
9.27.18 Food robots; budget deficit; Robo advisors
2365
Robots are changing the way you get food - and contributing to cost savings as well; The budget deficit is out of control; A complete guide to the best robo advisor offerings  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 27, 2018
9.26.18 Building with shipping containers; Tuition insurance; Asking for a raise
2341
Shopping malls and homes are being built with shipping containers. Shipping containers can potentially create more affordable housing in this country; Tuition insurance is a thing now. And not a good thing; Raises are tiny inside major companies right now. Clark talks about how to change the way you ask in order to actually get a bigger raise. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 26, 2018
9.25.18 USB security keys; fiduciary reneging; Products for elderly are booming market
2370
Google has a new USB security key and there are other companies selling these as well. They could save you from hackers; Merrill Lynch is scrapping its plan to be a fiduciary. Not cool; Products for aging baby boomers are, well, booming! Some of these products could be amazingly helpful for your aging parents. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 25, 2018
9.24.18 New driving app; Tech support scam; Retiring early
2358
There's a new driving app that helps your family drive more safely; Google is working to shut down customer support number scams; The FIRE movement is all about financial independence. Clark talks to producer Joel about the specifics of the movement and how it is gaining ground.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 24, 2018
9.21.18 Clark Stinks; Credit freezes are free now!
2354
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Credit freezes are free now as of today! Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 21, 2018
9.20.18 Another Google technological breakthrough; Food fraud; Great place to buy used cars
2358
Google and T-Mobile have made it much easier to call 911 from your cell phone; Watch out for food fraud in your local grocery store and in nearby restaurants; There's a new great place to buy used cars. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 20, 2018
9.19.18 How tariffs will impact Christmas; Ancestry updates DNA algorithm; Cheaper life insurance
2377
Will the tariffs and trade war with China impact the holiday shopping season? Clark explains; Ancestry.com updated its ethnicity criteria and some people are reeling from it; One life insurance provider has introduced an incentive for policy holders to get or stay healthy. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 19, 2018
9.18.18 Social security scam; Amazon review problems; Don't pay baggage fees!
2368
Watch out for this social security scam. Clark bring David Lazarus of the LA Times on to discuss; Amazon has a problem with employees taking bribes to delete bad reviews for certain products; You can avoid baggage fees a few specific ways. Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 18, 2018
9.17.18 Helping Florence victims; Teenage big rig drivers?; DNA testing concerns
2374
How can you best help the victims devastated by Hurricane Florence? Clark tells you; A new proposal could allow teenagers to drive big rigs across the country. That's scary!; What happens to your personal information when you take an at-home DNA test...Clark tells you how to protect your information. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 17, 2018
9.14.18 Clark Stinks; The end of payday loans
2350
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Banks are now offering the equivalent to payday loans...at much lower interest rates. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 14, 2018
9.13.18 5G set to launch; Anti-family United Airlines; Big pharma price gouging
2364
Verizon is launching in-home 5G in less than two months; United Airlines wants families to spend more to sit together on its airplanes. Clark takes the CEO to task; Big pharma price gouging continues yet there are ways for savvy consumers to save on prescription drugs. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 13, 2018
9.12.18 Comcast revolutionizing healthcare; Missouri "fake" meat law; Hurricane Florence
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Can you believe it? Comcast is doing amazing things to reduce healthcare costs for their employees; Missouri passed a new law that crushes "fake" meat companies; Clark talks about how to prep for a hurricane as Florence approaches the eastern seaboard of the United States. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 12, 2018
9.11.18 Clark reflects on the 9/11 anniversary; Rx cash drug prices; Longevity of appliances
2332
Clark reflects on 9/11 on the anniversary of the terrorist attacks; There's a good chance you'll pay more for Rx drugs when you use your insurance vs paying cash; How long should your home appliances last? Clark has info and some advice to go along with it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 11, 2018
9.10.18 Debit card fraud; Non competes suppress salaries; Cost of car ownership
2347
Debit card fraud can cost you as the consumer dearly; Non-compete salaries are awful for our country and suppress employee salaries; The real cost of car ownership is far more than you think it is. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 10, 2018
9.7.18 Clark Stinks; A millennial landlord horror story
2356
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; A millennial landlord of a triplex shares her horror story. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 07, 2018
9.6.18 Wait to buy new iPhone; Addictive video games; Flood insurance
2357
The new iPhone is just about to be released. Clark tells you how long you need to wait in order to get a deal on one; Video game makers are making video games more addictive for kids. And it's becoming a major problem; Clark talks about the pros of flood insurance and how to go about shopping for it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 06, 2018
9.5.18 NFL free streaming; P2P car sharing services; Booking Thanksgiving travel
2373
The NFL is allowing you to stream local games on your smartphone for free this season; Illinois tried to crack down on P2P car sharing services like Turo; When and how to book Thanksgiving and holiday travel in order to save the most money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 05, 2018
9.4.18 New Medicare cards; Free flights scam; Net neutrality
2364
New Medicare cards are arriving in mailboxes, but scammers are coming out of the woodwork at the same time; Have you seen this scam? Offers for free flights from Delta and other airlines are making their way around the internet...and they look insanely real; Net neutrality is making a comeback thanks to California - but this law could impact all Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 05, 2018
9.3.18 Meatless burger that actually tastes good!; DIY investing
2373
The Impossible burger is proof that meatless/vegetarian options have come a long, long way; The financial adviser crowd wants you to think that investing is hard. Clark discusses how to go it alone with confidence. Learn more about your ad choices. Visit megaphone.fm/adchoices
Sep 03, 2018
8.31.18 Clark Stinks; Walmart adds inexpensive install service
2384
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Walmart partners with Handy in order to offer inexpensive installation service for certain electronic purchases. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 31, 2018
8.30.18 Clark's brother lives like a nomad; Car warranty scam; Jobs for veterans
2359
Clark's brother Gary comes on the show to dish the details of how he has been living like a nomad for the past two years. LOTS of actionable travel advice in this fun conversation!; Watch out for this car warranty scam showing up in mailboxes around the country; Google has launched a new Jobs for Veterans service that could go a long way in helping former and current military men and women find jobs that fit their specific skill set.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 30, 2018
8.29.18 Amazon selling tires; Paying someone to do your dirty work; 401k and your student loan debt
2319
Amazon is using Sears to do installation of tires that they sell. This could be good for both companies; Paying someone to quit your job for you? It's a thing. And Clark tells you why it's ridiculous; Having trouble saving for retirement? Well, now employers can contribute to your 401k even if you can't because of student loan debt. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 29, 2018
8.28.18 Doorbell cameras cause problems; Scammers target college students; Personal loans proliferate
2294
Doorbell cameras are almost everywhere now. And they are great for being able to answer your door without actually opening it. But those doorbell cameras have also created some problems and Clark explains; As colleges go back in session there are a couple of major scams that you need to tell your college-age children or friends to be aware of; Personal loans are hot right now. But should you be taking one out?  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 28, 2018
8.27.18 Aretha Franklin left no will; Verizon throttling tactics; Chase free stock trades
2332
Aretha Franklin, the queen of soul, recently died and left an $80 million fortune. But she didn't have a will. Clark talks about how and why you should create a will. You can also score 50% off on of the best will making software bundles right now on Nolo.com. Verizon left fire fighters in the lurch without data due to terrible customer service and throttling tactics. Chase is going to offer free stock market trades to its customers.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 27, 2018
8.24.18 Clark Stinks; The perils of working too hard
2327
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Working too hard can be harmful to your health and to the actual work itself. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 24, 2018
8.23.18 Is college for everyone?; Facebook wants your banking info; SIM card hacking
2294
Vocational training is roaring back into some school districts and calls into question the seemingly common notion that college is valuable for everyone; Facebook met with major banks asking for your banking information. Really!?; SIM card hacking is one of the worst scams around right now. Clark explains.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 23, 2018
8.22.18 Beware certified pre-owned cars; Hacker ring busted; Neighborhood grocery stores
2322
Certified pre-owned cars aren't all they are cracked up to be. Clark tells you what to watch out for any why you should be wary of dealerships selling CPO vehicles; A hacker ring with more than 15 million credit card has been busted up; Neighborhood grocery stores are popping up and serving consumers in ways the major grocery stores just aren't.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 22, 2018
8.21.18 Following a scammer trail; Elon Musk should sleep; New 3% down mortgages
2309
Clark brings LA Times columnist David Lazarus on the show to discuss how he thwarted potential scammers and followed the scam to its logical conclusion; Elon Musk is apparently working 120 hours a week. Working that much actually has harmful effects on your creative output; Fannie Mae and Freddie Mac have introduced new 3% down mortgages. There are pros and cons to these new offerings and Clark discusses. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 21, 2018
8.20.18 Home internet prices; Credit scores on the rise
2327
5G is coming to certain markets by the end of the year. Home internet prices are currently on the rise...but not for long. Clark discusses how 5G technology will create more competition in the home internet space and drive prices down over the long haul.; Clark recounts a story of one man taking the time to help his fellow man having a really difficult time.; Credit scores are going up for many Americans. Clark discusses why that is happening and how you can maximize your credit score. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 20, 2018
8.17.18 Clark Stinks; How to prevent your car from being stolen
2293
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Very few Tesla's get stolen. And if they do, 99% are recovered. Clark discusses why that is and offers tips on how to prevent your car from being stolen. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 17, 2018
8.16.18 Solar power prices; Neighborhood girl busted for selling cookies; Vanguard's dim view of economic future
2320
Solar power is starting to make more and more sense for everyday Americans as prices drop; A neighbor called the cops on a little girl selling cookies at the end of her driveway. That's Clarkrageous!; Vanguard predicts low returns in the market over the next decade. What should we do with that news? Clark gives you his take. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 16, 2018
8.15.18 Millennials eat out too much; Why to avoid auto-pay; Aldi organics
2325
Most Millennials spend more money eating out than they save for retirement. That's not good!; Auto-pay could be a disaster for your bank account. Clark tells you why to avoid it and how to pay your bills properly; Aldi is massively expanding their stores and their organic food selection. And their prices are still the best around. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 15, 2018
8.14.18 DNA breakthrough; CFPB is Clarkrageous; Returning to work after extended absence
2325
A DNA breakthrough could mean 23andMe on steroids giving you access to information previously impossible to apprehend; The Consumer Financial Protection Bureau issues a $1 penalty to a payday loan scammer. That is Clarkrageous to the max; An internship for older Americans returning to the workforce? Yes! There is training help for you if you are returning to work after an extended absence.    Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 14, 2018
8.13.18 Housing market decline; "Vomit fraud"; Military lending oversight weakens
2325
The housing market has been incredibly strong for a long time now. But it is finally starting to cool off. Watch out for "vomit fraud" when you take an Uber or Lyft. Clark tells you how to avoid getting a $150 charge that isn't warranted. The CFPB is weakening oversight of potential violations of the Military Lending Act. Clark is not happy about it. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 13, 2018
8.10.18 Clark Stinks; Uber & Lyft making traffic worse
2321
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. New study shows that ride-hailing services like Uber and Lyft are adding to traffic congestion in major metropolitan cities.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 10, 2018
8.9.18 Grocery pick-up; Bad stock broker; Change your tax withholding
2318
Whole Foods is now offering grocery pickup. Clark tells you opting for grocery pickup can actually save you money. Unregistered adviser charged with lending fraud. Many Americans are now withholding enough for taxes. Don't get caught off guard at tax time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 09, 2018
8.8.18 How to buy a mattress; Timely airfare sales; Doctor video calls
2326
Mattress Firm is struggling and bankruptcy is looming as the online mattress sellers continue to grab customers; There are some awesome airfare deals you need to know about. Clark fills you in. CVS is launching a teledoc service where you can have a video call with a doctor about your medical issue at any time of day. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 08, 2018
8.7.18 Cheaper health coverage; Fake veteran charities; Brand name prices rising
2274
Cheaper health care plans are coming, but, they won't have as extensive coverage. Fake charities have sprung up attempting to raise money for military veterans. That is Clarkrageous and Clark tells you how to avoid donating to these scam charities. Brand name prices are rising faster than ever, but store brands have become much better through the years. So don't buy the expensive brand name stuff! Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 07, 2018
8.6.18 Fidelity zero fee investing; AT&T is Clarkrageous; Save big on small bills
2327
Fidelity has eliminated all commissions and fees on some of their funds. This is amazing for consumers. Clarkrage: AT&T has let loose a collection agencies on its own former employees. Clark tells you how you can save $1,000 a year by cutting your monthly bills. Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 06, 2018
8.3.18 Clark Stinks; Healthcare in early retirement
2310
Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Clark gives advice on how to shop for health coverage if you reach financial independence and retire early.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 03, 2018
8.2.18 App to find babysitter; Student loan scams; Non-compete clauses
2303
The Bambino app can help you find a trusted babysitter that has been verified by your friends. Clark discusses student loan scams you need to be aware of. The fast food industry had some pretty insidious non-compete tactics but they are fortunately on their way out.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 02, 2018
8.1.18 New $15 live TV streaming; Cashing out 401k plans; Our cars are distracting us
2305
AT&T is raising rates on many subscribers, but, it is also offering a new $15 skinny bundle streaming service. Many employees cash out their 401k plans when they leave their employer. Doing that leads to awful consequences. Car manufacturers are making dashboards that are incredibly distracting and could lead to more accidents.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 01, 2018
7.31.18 Make more money; Do your own eye exam; Best fast food restaurants
2327
What's the quickest way to make more money? Clark tells you how to maximize your earnings in this economy. Did you know that it is illegal to perform your own eye exam in many states? While apps have made it much easier, governments are making it a whole lot harder. Also, which fast food restaurants get the best ratings and which ones are at the bottom of the barrel? Clark fills you in.   Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 31, 2018
7.30.18 Apple lawsuit; Absurd electricity rate increases; Renting out your car
2314
Apple is facing a lawsuit for a monopoly on apps in the iTunes store. In state after state power is still sold to you by monopoly power companies which has led to massive rate increases. Also, the average car isn't in use the vast majority of the time. Consider renting yours out on a site like Turo to make some money of your ride when you aren't using it.  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 30, 2018
Clark Howard 7.27.18
2257
Topics: Clark Stinks; Students are taking on less student loan debt overall...but parents are taking on much larger debt loads Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 27, 2018
Clark Howard 7.26.18
2312
Topics: Would Universal Basic Income work or is it Utopian madness?; Bad stockbrokers selling "private placements"; Current work from home opportunities and avoiding scams Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 26, 2018
Clark Howard 7.25.18
2315
Topics: Home improvements that will lowers your insurance costs; An update on Bitcoin; The importance of taking a job in your industry after graduating college Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 25, 2018
Clark Howard 7.24.18
2290
Topics: Tariffs could bring meat prices way down...for now; Leasing puppies is now a thing and it is terrible; Annuities are actually less bad than they used to be Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 24, 2018
Clark Howard 7.23.18
2333
Topics: Christmas in July! Hiring for Holiday jobs is actually starting now; Wells Fargo refunding millions of customers it ripped off; Zillow Offers can help you sell your home Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 23, 2018
Clark Howard 7.20.18
2317
Topics: Clark Stinks; Beware of sending checks in the mail because of this scam Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 20, 2018
Clark Howard 7.19.18
2315
Topics: Variable pricing is extending to movie theaters; Bank and ATM fees are outrageous...and climbing; Could airplanes be self-flying like a Tesla soon?  Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 19, 2018
Clark Howard 7.18.18
2328
Topics: What the 5 billion dollar Google fine means to you; MGM suing terror victims is Clarkrageous; A must-hear heartwarming story of generosity Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 18, 2018
Clark Howard 7.17.18
2319
Topics: Prime Day deals go way beyond just what Amazon is offering; Two new scams you need to be aware of; Apps can remind you to get your kids out of a hot car Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 17, 2018
Clark Howard 7.16.18
2326
Topics: Should you start an Amazon DPS company?; Watch out for massive "trauma activation" fees at your hospital; Republic Wireless has new walkie talkie device for kids that is awesome! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 16, 2018
Clark Howard 7.13.18
2312
Topics: Clark Stinks; How to protect your car from thieves with a minor hack Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 16, 2018
Clark Howard 7.12.18
2308
Topics: Amazon wading into selling prescription drugs; The TSA wants to search your snacks; Vanguard eliminates almost all ETF commissions Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 12, 2018
Clark Howard 7.11.18
2318
Topics: What to consider before starting an AirBnb; Paypal sends a clarkrageous letter to a customer; Ticketmaster data breach Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 11, 2018
Clark Howard 7.10.18
2327
Topics: California's new privacy law could have massive impact nationwide; Government overreach into small business practices; What the American Express Supreme Court ruling means to you Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 10, 2018
Clark Howard 7.9.18
2326
Topics: The Moto G6 is the best smartphone under $250; AT&T increasing bogus "administrative fee"; Leg room is getting much harder to come by in air travel these days Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 09, 2018
Clark Howard 7.6.18
2308
Topics: A retail price war is happening and it is good for your wallet; Big improvements to battery life are occurring now with huge effects Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 06, 2018
Clark Howard 7.5.18
2316
Topics: The key to improving healthcare in the United States; How you can purchase a home with a smaller down payment Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 05, 2018
Clark Howard 7.4.18
2310
Topics: Pre-fab housing could solve a lot of our affordable housing issues; The internet browser that protects your privacy Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 04, 2018
Clark Howard 7.3.18
2316
Topics: Health insurance when traveling abroad; How much can you rely on Social Security in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 03, 2018
Clark Howard 7.2.18
2317
Topics: Many businesses are using social media apps like Instagram to thrive; Should you buy cell phone insurance? Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 02, 2018
Clark Howard 6.29.18
2306
Topics: Clark Stinks; The fiduciary rule is toast - here's what you need to know about the "fiduciary oath" Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 29, 2018
Clark Howard 6.28.18
2286
Topics: Amazing app Acorns now offering banking services; Local governments shutting down kid lemonade stands; Battery technology progressing rapidly Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 28, 2018
Clark Howard 6.27.18
2314
Topics: The employment longevity that employers expect; Consumers used to hold all the reviewing power...not anymore Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 27, 2018
Clark Howard 6.26.18
2307
Topics: A pizza company is repairing potholes; Another reason robocalls are the worst; Fewer people are smoking and Clark tells you why that is so important Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 26, 2018
Clark Howard 6.25.18
2307
Topics: What it takes to become a millionaire; Too much optimism in real estate right now; Messaging apps that provide the best privacy Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 25, 2018
Clark Howard 6.22.18
2271
Topics: Clark Stinks; New self-install alarm company can save you big money Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 22, 2018
Clark Howard 6.21.18
2306
Topics: Speedy home delivery options expand; Audi CEO arrested as part of Volkswagen scandal; Car wrapping is back and can make you hundreds of dollars a month! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 21, 2018
Clark Howard 6.20.18
2314
Topics: People take Social Security at the wrong age to their financial detriment; Lakefront property advertisements; An unreal (but real) $10 a month cell phone plan offer Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 20, 2018
Clark Howard 6.19.18
2313
Topics: Potential changes to the way pre-exisisting conditions are covered; Payday loan mogul receives prison sentence; Security alert for your router Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 19, 2018
Clark Howard 6.18.18
2317
Topics: Life insurers basing rates on your credit score; It isn't just Wells Fargo - other banks have opened unauthorized accounts; Which supermarkets provide the best customer service and value Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 18, 2018
Clark Howard 6.15.18
2311
Clark Stinks; Why and how to update your privacy settings with Google, Facebook, Amazon, Apple, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 15, 2018
Clark Howard 6.14.18
2319
Topics: Pay off your mortgage or not? The new tax law changes things; Facebook customer no service; Credit card companies are dropping perks Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 14, 2018
Clark Howard 6.13.18
2333
Topics: What the AT&T merger means to you; A fantastic timely deal on a Costco membership; Interest rates are headed up - good news for savers! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 13, 2018
Clark Howard 6.12.18
2327
Topics: Travel apps are improving and will make booking transportation much easier; Car loan lengths are too long!; New data about renting vs buying a home Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 12, 2018
Clark Howard 6.11.18
2337
Topics: More companies offer tuition assistance; Worthless extended warranties being sold; Amazing $15 Sprint cell phone deal Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 11, 2018
Clark Howard 6.9.18
2278
BONUS EPISODE Part 7 Back to Basics Series: Credit - What affects your credit score. How to establish and maintain good credit. Using credit and credit cards wisely. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 09, 2018
Clark Howard 6.8.18
2297
Topics: Clark Stinks; Shipping container farms could grow our food and use far less water than traditional farms Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 08, 2018
Clark Howard 6.7.18
2322
Topics: A financial blog you should be reading; Scam websites capitalizing on minor typos; Most Americans want to be entrepreneurs Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 07, 2018
Clark Howard 6.6.18
2319
Topics: Do (or don't do) these 5 things and you'll likely live longer; Fake products on Amazon; Why service has gotten worse in retail stores lately Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 06, 2018
Clark Howard 6.5.18
2322
Topics: Bonuses are becoming more common for in demand blue collar jobs; Fake electric bill scam; How to protect yourself from a crummy 403b Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 05, 2018
Clark Howard 6.4.18
2317
Topics: Why you should rent a car for a driving vacation; There's a lot of missing money out there - how to find it Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 04, 2018
Clark Howard 6.2.18
2290
BONUS EPISODE Part 6 Back to Basics Series: Booking travel - How to save money on airfare, hotels, car rentals, and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 02, 2018
Clark Howard 6.1.18
2309
Topics: Clark's take on the Boxed bulk delivery service; ID theft of minors is on the rise; The digit app helps you get out of debt now Learn more about your ad choices. Visit megaphone.fm/adchoices
Jun 01, 2018
Clark Howard 5.31.18
2322
Topics: Asking for a lower credit card interest rate; Negotiating your starting salary with a potential employer Learn more about your ad choices. Visit megaphone.fm/adchoices
May 31, 2018
Clark Howard 5.30.18
2281
Topics: Potential issues that can come from genetic testing; Retailers banning you from making returns Learn more about your ad choices. Visit megaphone.fm/adchoices
May 30, 2018
Clark Howard 5.29.18
2310
Topics: Companies trying to beat Amazon when it comes to automation; Debt collection class action lawsuit; What it is like to go cashless Learn more about your ad choices. Visit megaphone.fm/adchoices
May 29, 2018
Clark Howard 5.28.18
2328
Topics: Finding a good work from home job; How to teach your kid to to give money to charity Learn more about your ad choices. Visit megaphone.fm/adchoices
May 28, 2018
Clark Howard 5.26.18
2266
BONUS EPISODE Part 5 Back to Basics Series: Cutting your monthly bills - Cutting back, shopping wisely, and creating more monthly breathing room Learn more about your ad choices. Visit megaphone.fm/adchoices
May 26, 2018
Clark Howard 5.25.18
2312
Topics: Clark Stinks; Offerpad just made it far easier to sell and buy a home at the same time Learn more about your ad choices. Visit megaphone.fm/adchoices
May 25, 2018
Clark Howard 5.24.18
2304
Topics: Consumer Reports says Tesla has some work to do; Real estate seminars promising riches are making a major comeback; Amazon's facial recognition software poses privacy problems Learn more about your ad choices. Visit megaphone.fm/adchoices
May 24, 2018
Clark Howard 5.23.18
2323
Topics: Credit freezes will be free thanks to the new banking law; An $8k charge for shipping from Amazon?; How Europe's new privacy rules are affecting US consumers Learn more about your ad choices. Visit megaphone.fm/adchoices
May 23, 2018
Clark Howard 5.22.18
2311
Topics: Are Zillow's "zestimates" legitimate predictors of home value?; Watch out for fake patent companies; Debt for folks over 75 is skyrocketing - and that's scary Learn more about your ad choices. Visit megaphone.fm/adchoices
May 22, 2018
Clark Howard 5.21.18
2328
Topics: The net neutrality saga takes a positive turn; Fake cryptocurrencies are popping up; Here are the sunscreens that will save you money and keep you safe from the sun Learn more about your ad choices. Visit megaphone.fm/adchoices
May 21, 2018
Clark Howard 5.19.18
2301
BONUS EPISODE Part 4 Back to Basics Series: Saving and Investing - The right way to save your money in the short-term and how to invest for retirement over the long-term Learn more about your ad choices. Visit megaphone.fm/adchoices
May 19, 2018
Clark Howard 5.18.18
2316
Topics: Clark Stinks; Target cuts shipping fees and uses its stores to process orders more quickly Learn more about your ad choices. Visit megaphone.fm/adchoices
May 18, 2018
Clark Howard 5.17.18
2327
Topics: Student loan rates are on the rise; Fake law firm scam; What to watch out for when hiring a moving company Learn more about your ad choices. Visit megaphone.fm/adchoices
May 17, 2018
Clark Howard 5.16.18
2334
Topics: Credit card default rates are going up; Southwest is having a great sale!; Used and new cars can be a deal right now if you know what to look for Learn more about your ad choices. Visit megaphone.fm/adchoices
May 16, 2018
Clark Howard 5.15.18
2319
Topics: Drone prices have plummeted - and new drones could change how we travel; Another Wells Fargo scandal - seriously; California mandates solar installs on new homes Learn more about your ad choices. Visit megaphone.fm/adchoices
May 15, 2018
Clark Howard 5.14.18
2332
Topics: Clark's visit to a new grocery store that can save your food budget; Keyless remote cars are potentially dangerous; Sports gambling is making a comeback Learn more about your ad choices. Visit megaphone.fm/adchoices
May 14, 2018
Clark Howard 5.12.18
2259
BONUS EPISODE Part 3 Back to Basics Series: The right way to buy insurance for your car, home, life and more Learn more about your ad choices. Visit megaphone.fm/adchoices
May 12, 2018
Clark Howard 5.11.18
2300
Topics: Clark Stinks; We need up-front pricing for medical care Learn more about your ad choices. Visit megaphone.fm/adchoices
May 11, 2018
Clark Howard 5.10.18
2336
Topics: Warren Buffet's advice against owning gold; There's a new product sketchy brokers are pushing; Clark hates lines - and tells you how to avoid lines too Learn more about your ad choices. Visit megaphone.fm/adchoices
May 10, 2018
Clark Howard 5.9.18
2326
Topics: Watch out when getting a loan from a car dealer; Equifax gives more details about leaked information; New app can help neighbors communicate about crime activity Learn more about your ad choices. Visit megaphone.fm/adchoices
May 09, 2018
Clark Howard 5.8.18
2331
Topics: The problems with trading in a car with a loan on it; Ripoffs of elderly are sadly growing; Apple, Google, and Facebook - who collects the most data? Learn more about your ad choices. Visit megaphone.fm/adchoices
May 08, 2018
Clark Howard 5.7.18
2329
Topics: How Clark's daughter saved money on her wedding; An Airbnb scam to watch out for; Robocalls are proliferating - how to stop them Learn more about your ad choices. Visit megaphone.fm/adchoices
May 07, 2018
Clark Howard 5.5.18
2298
BONUS EPISODE Part 2 Back to Basics Series: Clark discusses in depth how to purchase a home from financing to shopping and more Learn more about your ad choices. Visit megaphone.fm/adchoices
May 05, 2018
Clark Howard 5.4.18
2305
Topics: Clark Stinks; Fast food price war  Learn more about your ad choices. Visit megaphone.fm/adchoices
May 04, 2018
Clark Howard 5.3.18
2324
Topics: How to get the best price at the pump; Sweepstakes scams; How to get paid if you get bumped from a flight Learn more about your ad choices. Visit megaphone.fm/adchoices
May 03, 2018
Clark Howard 5.2.18
2330
Topics: Backup cameras on cars improve safety a lot; One-day awesome airfare sale!; What you should consider doing for the Mom in your life for Mother's Day Learn more about your ad choices. Visit megaphone.fm/adchoices
May 02, 2018
Clark Howard 5.1.18
2322
Topics: What the potential T-Mobile and Sprint merger means for consumers; Fake student loan expert was completely fabricated; The Wells Fargo ripoff saga gets even worse Learn more about your ad choices. Visit megaphone.fm/adchoices
May 01, 2018
Clark Howard 4.30.18
2308
Topics: Battery-powered scooters are creating a mess in some cities; T-Mobile fined for faking it when service not working properly; Why your credit score might be going up this month Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 30, 2018
Clark Howard 4.28.18
2281
BONUS EPISODE Part 1 Back to Basics Series: Clark discusses in depth how to go about buying cars - both used and new - without getting ripped off Back to Basics will be a multi-week series where Clark goes in depth on topics that are of major importance to your finances. Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 28, 2018
Clark Howard 4.27.18
2328
Topics: Clark Stinks; The best airlines and hotels to consider when traveling Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 27, 2018
Clark Howard 4.26.18
2326
Topics: Amazon delivering packages to your car; Scammers targeting you with fake fraud alerts; Are we in a housing bubble? Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 26, 2018
Clark Howard 4.25.18
2321
Topics: New Gmail features are great; Ripoffs abound in video games that kids are playing; Great cell phone service discounts for current and former Military members! Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 25, 2018
Clark Howard 4.24.18
2325
Topics: The dangers of company stock; Sending money with the Zelle app is a bad idea; How to save money as batteries get more expensive Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 24, 2018
Clark Howard 4.23.18
2329
Topics: Flight delays building up as FAA mandates engine inspections; App developers illegally tracking kids; The price you pay is increasingly individualized Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 23, 2018
Clark Howard 4.20.18
2284
Clark Stinks; Wells Fargo's huge fine and why you shouldn't bank there Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 20, 2018
Clark Howard 4.19.18
2293
Topics: The dirty politics behind storing solar power via battery; Strategies for how to handle housing costs as you approach retirement age Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 19, 2018
Clark Howard 4.18.18
2301
Topics: Most people want financial advice from their BANK - that's not good! A national sick leave policy should exist for some circumstances Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 18, 2018
Clark Howard 4.17.18
2329
Topics: Why you need to contribute to a Roth in 2018; Are medical sharing companies like Medishare viable alternatives to health insurance? Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 17, 2018
Clark Howard 4.16.18
2341
Topics: Big banks are trying to capitalize on Wells Fargo corruption; Debit card scams are out in full force; Is car insurance by the mile a good idea? Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 16, 2018
Clark Howard 4.13.18
2321
Topics: Clark Stinks; It is incredibly important to file your taxes on time! Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 13, 2018
Clark Howard 4.12.18
2330
Topics: Airlines charging higher rates to loyal customers; Annuities are the worst; Zara's new robot helps customers with returns Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 12, 2018
Clark Howard 4.11.18
2305
Topics: Mobile hair cutting small business profile; Credit card theft via micro charges is now a thing; Connected cars that show ads are here Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 11, 2018
Clark Howard 4.10.18
2296
Topics: What if you paid for Facebook and kept your privacy?; Another amazing reason dash cams are awesome; The gas price trajectory Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 10, 2018
Clark Howard 4.9.18
2327
Topics: What to do about the teacher pay and education taxes; The new awful trend of kids "juuling"; A few online savings accounts are starting to pay great interest rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 09, 2018
Clark Howard 4.6.18
2319
Topics: Clark Stinks; The Spring home buying season is a weird one Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 06, 2018
Clark Howard 4.5.18
2320
Topics: Walmart and Humana could change healthcare in a big way; A new form of ID theft is making waves; Timely student loan forgiveness news Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 05, 2018
Clark Howard 4.4.18
2332
Topics: A coal company in crisis could make for higher electricity bills; The importance of rewarding your employees well Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 04, 2018
Clark Howard 4.3.18
2327
Topics: Stock market volatility; Vanguard customer service issues; More breaches and how you need to respond Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 03, 2018
Clark Howard 4.2.18
2311
Topics: Student loans and the soaring cost of college; Watch out for this debt help scam; Advice for self-employed folks Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 02, 2018
Clark Howard 3.30.18
2311
Clark Stinks; Technology has improved how you can receive estate help Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 30, 2018
Clark Howard 3.29.18
2322
Topics: Accrue credit card rewards but skip the debt; Overdraft fees are outrageous; Getting a mortgage is getting easier Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 29, 2018
Clark Howard 3.28.18
2311
Topics: Great news for people with peanut allergies; What are your actual chances of winning the lottery?; Facebook promises to make privacy changes Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 28, 2018
Clark Howard 3.27.18
2319
Topics: Amazon drone delivery developing sophistication; How changing the credit card you use can make a positive impact; Small business websites are really prone to hackers Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 27, 2018
Clark Howard 3.26.18
2318
Topics: Walmart is now selling used cars; Congress doesn't want you to know about future data breaches; Awesome deals today from Moviepass, Costco, and more Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 26, 2018
Clark Howard 3.23.18
2308
Topics: Clark Stinks; There's a massive shortage of homes in the US right now Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 23, 2018
Clark Howard 3.22.18
2319
Topics: What the federal reserve's interest rate hike means to you; Getting fined for working too much?; Drone delivery getting close to reality Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 22, 2018
Clark Howard 3.21.18
2326
Topics: Criminals exploiting a weakness in cell phone security; Zombie debt collectors; The IRS has unclaimed refund money for LOTS of Americans Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 21, 2018
Clark Howard 3.20.18
2335
Topics: Facebook abused the personal data of its users; Home sellers spying on home buyers during walkthrough; Consumers are suing Equifax - and winning Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 20, 2018
Clark Howard 3.19.18
2330
Topics: The fiduciary dealt a major blow; Best Buy's return policy changes are awful for their customers; What to do in the aftermath of Toys R Us closings Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 19, 2018
Clark Howard 3.16.18
2332
Topics: Clark Stinks; One of Clark's staffers, Laura, talks about battling to get her identity back Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 16, 2018
Clark Howard 3.15.18
2314
Topics: Facebook's new trusted contacts feature is great; The most reliable cars to drive Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 15, 2018
Clark Howard 3.14.18
2287
Topics: 30 hour work weeks becoming more common; Predatory lenders targeting veterans; Auto-renewals are the worst - and some companies take this to a new level Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 14, 2018
Clark Howard 3.13.18
2280
Topics: How to withdrawal money in retirement; This potential HELOC gotcha you need to know about; New Rent-to-Own solution that isn't a ripoff Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 13, 2018
Clark Howard 3.12.18
2286
Topics: American spending and borrowing trends; ATM jackpotting; How hurtful lying about your finances to your significant other can be Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 12, 2018
Clark Howard 3.9.18
2322
Topics: Clark Stinks; Why Clark is a huge fan of daylight savings time Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 09, 2018
Clark Howard 3.8.18
2336
Topics: Free credit freezes for everyone might be just around the corner!; The CFPB is still the best place to go with consumer complaints; The best and worst used cars to buy Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 08, 2018
Clark Howard 3.7.18
2331
Topics: How new tariffs will affect American consumers; How to make a Florida vacation a whole lot cheaper; 23andme breast cancer risk test approved  Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 07, 2018
Clark Howard 3.6.18
2322
Topics: Prescriptions may be cheaper without insurance; Buying stocks on margin; Uber's new product could save you a ton when ridesharing Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 06, 2018
Clark Howard 3.5.18
2323
Topics: Why you need a dash cam; Fake FINRA scam; Fewer people are buying life insurance - and you need life insurance Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 05, 2018
Clark Howard 3.2.18
2319
Topics: Clark Stinks; How Alexa and Google Home are hurting the big name brands Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 02, 2018
Clark Howard 3.1.18
2307
Topics: Instant credit is becoming incredibly commonplace; Watch out for this medicare scam; The net neutrality fight gets picked up by the states Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 01, 2018
Clark Howard 2.28.18
2320
Topics: 5G is coming this year and will shake up the world of high-speed internet; Opioid cure scams are on the rise; Amazon purchased Ring - but there are cheaper home security solutions Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 28, 2018
Clark Howard 2.27.18
2325
Topics: California to allow self-driving cars with no human backup; Hospitals forcing patients to sign up for loans; How much it costs to raise a child Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 27, 2018
Clark Howard 2.26.18
2318
Topics: Employers giving savings incentives; Beware of door to door sale scams; Start-ups help you purchase a home for a portion of your equity Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 26, 2018
Clark Howard 2.23.18
2369
Topics: Clark Stinks; How states are fighting back against the exorbitant cost of healthcare Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 23, 2018
Clark Howard 2.22.18
2321
Topics: Stash can help kids learn how to invest; Amazon customer service scam; Is it considered stealing to share your Netflix or streaming service password? Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 22, 2018
Clark Howard 2.21.18
2325
Topics: Clark's free credit freeze crusade; Going to prison over your debt; T-Mobile's limited time family plan deal Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 21, 2018
Clark Howard 2.20.18
2336
Topics: The impact of inflation over the past 20 years; Sizzling deal - a great $20 home security camera; Beware of Facebook marketplace Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 20, 2018
Clark Howard 2.19.18
2289
Topics: How to handle an insurance claim denial; Scammy car dealership ads; The price to get into Disney just went way up Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 19, 2018
Clark Howard 2.16.18
2341
Topics: Clark Stinks; The Equifax hack is actually worse than anyone thought  Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 16, 2018
Clark Howard 2.15.18
2330
Topics: Should we have an increased gas tax in this country?; The best Presidents Day deals; Criminals are hacking your cell phone SIM card - and how to protect yourself Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 15, 2018
Clark Howard 2.14.18
2331
Topics: Sam's Club has a new Plus membership that has incredible perks; Romance scams; Deal or no Deal - Clark's take on Moviepass Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 14, 2018
Clark Howard 2.13.18
2301
Topics: The best new SUV's are actually under $30k; Phone spoofing scams on the rise; Rent control is bad for almost everyone Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 13, 2018
Clark Howard 2.12.18
2288
Topics: Financial planning advice for young people; When should you give your Social Security number?; Exactly how much more it costs to shop on Amazon Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 12, 2018
Clark Howard 2.9.18
2319
Topics: Clark Stinks; Uber getting into the electric bike game Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 09, 2018
Clark Howard 2.8.18
2318
Topics: New medicare cards sans Social Security numbers are coming; Netflix scam comes roaring back; How to approach 529 plans under the new tax law Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 08, 2018
Clark Howard 2.7.18
2321
Topics: New study of traffic issues in cities; Clarkrage - Nursing homes sedating residents with dementia; Apple's new overpriced speaker Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 07, 2018
Clark Howard 2.6.18
2321
Topics: Why you should stop banking with Wells Fargo (again); Lottery winner sues to remain anonymous; Bitcoin falling off a cliff  Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 06, 2018
Clark Howard 2.5.18
2286
Topics: Clark's smartwatch Super Bowl fail; Stock market's wild and crazy day; Clarkrageous CFPB lets up on Equifax; How to save money on Valentine's Day Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 05, 2018
Clark Howard 2.2.18
2312
Clark Stinks; How you should approach this current fantastic job market Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 02, 2018
Clark Howard 2.1.18
2309
Topics: Google Flights helps you sort through added basic economy costs; License plate scam; More flexible dental offices are coming Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 01, 2018
Clark Howard 1.31.18
2334
Topics: Super Bowl ads cost A LOT this year; United yanks a lady with a valid ticket off of a plane; Signing a lease during cold weather months can save you big money Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 31, 2018
Clark Howard 1.30.18
2325
Topics: A new health insurance initiative from Amazon, Berkshire, and Chase; The current flu epidemic; Investors are flocking back to the stock market Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 30, 2018
Clark Howard 1.29.18
2312
Topics: Amazon has a $10 and under section that's really cool; New rule doesn't allow you to follow your broker; Vaping is leading to a higher rate of smoking Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 29, 2018
Clark Howard 1.26.18
2322
Topics: Clark Stinks; Roth 401(k)'s and IRA's look even better thanks to the new tax law Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 26, 2018
Clark Howard 1.25.18
2319
Topics: How Montana is handling net neutrality; New bill attempts to prevent lawsuits against mutual fund companies; How to approach Toys R Us liquidation sales Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 25, 2018
Clark Howard 1.24.18
2314
Topics: We need a national credit freeze law NOW; The deals on cell phone plans are strong right now; How to save money on personal care items Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 24, 2018
Clark Howard 1.23.18
2333
Topics: How the new trade deal affects you; BOA eliminates free checking accounts; Elon Musk might be working for free Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 23, 2018
Clark Howard 1.22.18
2331
Topics: Lidl is causing massive price disruption in the markets they enter; Idaho rejects battery power storage; Signing your name after credit card purchases going away altogether Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 22, 2018
Clark Howard 1.19.18
2326
Topics: Clark Stinks; Possible shake-up to net neutrality Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 19, 2018
Clark Howard 1.18.18
2307
Topics: A $13k new car and how newer cars might be invading your privacy; Motel 6 sharing guest info with the government; Illegal streaming device makers being sued Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 18, 2018
Clark Howard 1.17.18
2332
Topics: Get ready for tax season and file for free; Payday lending rule might be revoked; How to protect yourself from Meltdown and Spectre bugs; Clark's daughter, Stephi, joins him on the air! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 17, 2018
Clark Howard 1.16.18
2323
Topics: Discount brokers have disturbing conflict of interest; Terrible trend of teenagers eating laundry pods; Credit card interest rates on the rise Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 16, 2018
Clark Howard 1.15.18
2313
Topics: Savings accounts for kids; Credit card robocall scam busted; New military pension guidelines Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 15, 2018
Clark Howard 1.12.18
2313
Topics: Clark Stinks; Homeowners insurance rates are getting more expensive Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 12, 2018
Clark Howard 1.11.18
2312
Topics: Why credit unions are so important; SAT and ACT selling student info; Selling food past the expiration date Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 11, 2018
Clark Howard 1.10.18
4338
Special edition: Clark Howard Day 2 from CES in Las Vegas discussing advances in consumer electronics Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 10, 2018
Clark Howard 1.9.18
4362
Special edition: Clark Howard from CES in Las Vegas discussing advances in consumer electronics Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 09, 2018
Clark Howard 1.8.18
2322
Topics: The cost of cable TV is going up; Christmas debt is a big issue and how to tackle it; New robot makes sushi four times faster than humans Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 08, 2018
Clark Howard 1.5.18
2325
Topics: Clark Stinks; How credit freeze affects your car insurance rates Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 05, 2018
Clark Howard 1.4.18
2338
Topics: Dow tops 25,000; the lottery just became harder to win; How to help your home in this incredibly cold weather Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 04, 2018
Clark Howard 1.3.18
2333
Topics: How the tax bill affects you in 2018; Apple will replace your old iPhone battery for $29; January is definitely the time to buy airfare Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 03, 2018
Clark Howard 1.2.18
2301
Topics: New year budgeting advice; What to buy in January; Lower your monthly bills Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 02, 2018
Clark Howard 1.1.18
2327
Topics: First-time homebuyer problems; 2018 will be great for your food budget! Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 01, 2018
Clark Howard 12.29.17
2307
Topics: How automation will affect jobs; How to get free months of Amazon Prime  Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 29, 2017
Clark Howard 12.28.17
2307
Topics: Taking opioids once can lead to dependence; Lack of sleep similar to drunk driving Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 28, 2017
Clark Howard 12.27.17
2297
Topics: TSA changing laptop regulations; car reliability Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 27, 2017
Clark Howard 12.26.17
2301
Topics: Electronic estate sales; How your social security number is used online Learn more about your ad choices. Visit megaphone.fm/adchoices
Dec 26, 2017
Clark Howard 12.25.17
2309