The Clark Howard Podcast

Homeowners insurance is getting more difficult to get or keep, even in states beyond FL & CA. Clark explains industry challenges and what homeowners can do about this growing problem. Also - What you don’t know can hurt you. Recent CFPB data show complaints against the credit bureaus roughly doubled in one year, highlighting the importance of being vigilant about your credit report accuracy. Homeowners Insurance Reset: Segment 1 Ask Clark: Segment 2 Credit Bureau Complaints: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: Uninsurable America: Climate change hits the insurance industry Multifamily industry grapples with surging insurance costs in wake of climate risks Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems — The Conversation Force-Placed Insurance Definition When Should You File a Claim on Your Homeowners Insurance? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Welcome to Bluebird A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Changes to Credit Reports Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the second wave of summer travel upon us, Clark has an update on mid to late summer travel prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow. Summer Travel Update: Segment 1 Ask Clark: Segment 2 Recession Explainer: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] People are spending less on hotels, flights and restaurants NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning. 4 Things You Should Always Pack in Your Carry-On How SVB’s failure 3 months ago has changed banking (and how it hasn’t) Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022 What Is a CD Ladder and When Is It a Good Idea? Clark.com - Invest & Retire FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit. Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make. Building Student Credit: Segment 1 Ask Clark: Segment 2 Remote Work Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Credit Cards for Students: Top Picks for 2023 A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? Deciding what to do when your employer changes the rules on remote work What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score. Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV / Clark.com: Sling Freestream Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel. Fraud Prevention: Segment 1 Ask Clark: Segment 2 What’s In A Hotel Name? Nothing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto. WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know. ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers Worried about crypto exchange losses? Don’t pay money for “help” recovering money 5 Steps To Getting a Good Deal on a Hotel Room Scott's Cheap Flights | Save Up to 90% on Flights [The Washington Post] Expensive flights are here to stay, but there’s good news Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online. Gambling Vs Investing: Segment 1 Ask Clark: Segment 2 Fake Shopping Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Retreat of the Amateur Investors 5 Sneaky Ways To Improve Your Credit Score NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In Clark.com- How To Spot a Fake Online Store in 6 Easy Steps Virtual Credit Cards: An Online Security Measure Worth Taking? Fidelity Investments Review 2022: Pros & Cons Metro by T-Mobile: 6 Things To Know Before You Sign Up T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Clark Howard's 4 Travel Rules You Should Follow Right Now Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July! Please enjoy this Best Of episode. Clark returns from travel adventures July 17th. Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control. Know Thy Neighbor: Segment 1 Ask Clark: Segment 2 Credit Card Debt Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Sue Thy Neighbor: Homeowner Spats Over Fences,Trees & Additions Get Nastier -WSJ Clark.com - Timeshares The #1 Bill You Should Make Sure You Get by Mail No more paper statements only electronic - Clark Howard Community US consumers increased their borrowing by $28 billion in November Your Passport Could Be Useless -- Even if It's Not Expired 22 Ways To Save Money on Groceries How to Budget With a Cash Envelope System Why You Should Keep Old Credit Card Accounts Open Should You Get a Store Credit Card? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re in a unique travel season this year, so we asked for travel stories unique to you - good and bad - and you delivered! Clark shared a story about putting layers of clothing on in order to avoid baggage fees. Apparently, he’s not the only one: Hate Baggage Fees? Wear a Fishing Vest on the Plane - The Wall Street Journal. Team Clark thanks our fellow Clarksters for sharing their misadventures and lessons learned navigating the wide world of Travel for this special episode. Happy 4th of July Week! Clark.com resources Top Travel Deals ClarkDeals- Travel Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains the rise of the zombie mortgage, with origins dating back to the lending practices of 2001 - 2007 leading to the housing bust & great recession. Learn why years later, people are now getting foreclosure notices on old home equity loans & second mortgages, and the best course of action for those facing this. Clark Stinks: Segments 1 & 2 Zombie Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Warning: Never Get Roadside Assistance From Your Insurance Provider 401(k) Match: What Is It, How It Works Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases Apple Trade In Zombie Mortgages Could Force Some Homeowners Into Foreclosure Southwest Airlines Wanna Get Away Plus UShip Review: 5 Things To Know Before You Use the Shipping Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news if you’re interested in life on the road - specifically RV life. If you’re in the market, Clark explains why it’s a good time to buy, and offers direction on what type of RV to choose. Also today, travel agents almost went extinct, but the industry is growing again. Get Clark’s advice on when you need a travel agent, and the best way to choose one. The RV Market: Segment 1 Ask Clark: Segment 2 When & How To Hire A Travel Agent: Segment 3 Ask Clark: Segment 4 Mentioned on the show RV Market Slows as Inflation, Rising Rates Cool Demand - The Wall Street Journal. Clark Howard's 5 Money Tips for Couples 6 Things To Know Before Contacting the National Foundation for Credit Counseling Amazon discontinues Amazon Halo effective July 31 (aboutamazon.com) 15 of the Best Free Workout And Fitness Apps Is Apple Card Worth It? 5 Things To Know in 2023 When Do You Need a Travel Agent? TripIt - Highest-rated trip planner and flight tracker Your Passport Could Be Useless -- Even if It's Not Expired Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards How To Save Money With Google Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Summed up in a sentence - what’s your money strategy? Clark shares money philosophies courtesy of Humble Dollar. Also in this episode, Things are rapidly changing in the solar energy industry. Clark has an update on how to approach roof solar and the microgrid community solar advantage. Money Philosophies: Segment 1 Ask Clark: Segment 2 Solar Power Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show How would you summarize your financial philosophy in one sentence? Hiring a Contractor Checklist and Tips - 6 Tips for Hiring a Contractor Community Solar Saves Money With Solar Energy – Without Changing Your Roof Search projects by zip code: CommunitySolar-EnergySage The Solar Power Landscape Is Changing. Here's What That Means for You Should You Manage Your Own Investment Portfolio? What Is a Fiduciary Financial Advisor and Do I Need One? Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity How to Deal With Medical Debt Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hotels have gotten pricier while experiences have deteriorated. Looking for bargains, people are getting ripped off at UFO third party booking sites. Clark shares a new site he’s been testing that works differently than all the others, and promises to save you big bucks. Also - There’s a new twist in retail - part entertainment, part auction. Clark gives you the pros & cons of online “live shopping”. HotelSlash: A Different Way To Book: Segment 1 Ask Clark: Segment 2 Live Stream Shopping: Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show Looking for the Cheapest Room Rate? HotelSlash Wants to Help. AutoSlash Review: How To Save on a Rental Car 5 Things to Know About the Costco Car Rental Program 5 Money Tips To Know Before You Travel Abroad Best Credit Cards With No Foreign Transaction Fees in 2023 Wise Official Website - Wise.com / About Money Transfer GB | Revolut NYTimes: The Companies Trying to Make Live Shopping a Thing in the U.S. Stitch Fix: Clothing What's the Best Savings Account for a Teenager? Fidelity Youth Account - Any Good? - Clark Howard Community Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

For the last 3 generations the average size of the American home has gone up and up. Not so much anymore. Clark discusses why people are turning back the clock and downsizing their homes. Also today - do you ever try to haggle with merchants for a better price? It’s a worldwide practice Americans are generally uncomfortable with, but can actually be a very effective way to get a deal! Clark shares the right approach to the skilled art of bargaining. The Value of A Smaller Home: Segment 1 Ask Clark: Segment 2 The Art Of Haggling: Segment 3 Ask Clark: Segment 4 Mentioned on the show High Utility Bills Driving 1 in 5 Americans to Downsize Their Homes How To Buy Term Life Insurance in 7 Easy Steps Credit Karma Review: Free Credit Score and More at Your Fingertips Cancel for Any Reason Trip Insurance: Should You Buy It? How to Haggle for Almost Anything Credit Lock vs. Credit Freeze: What's the Difference? How To Freeze Your Credit With Experian, Equifax and TransUnion Studios | Norwegian Cruise Line Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s much discussion about how AI is revolutionizing the nature of work and change is happening rapidly. Clark lends historical perspective and discusses what is key for your job prospects going forward. Clark Stinks: Segments 1 & 2 AI And Career Flexibility : Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries A Quick Guide on How to Insure Jewelry How Often Should I Appraise a Wedding Ring for Insurance, and Who Should Appraise It? Living Will and Durable Power of Attorney: Frequently Asked Questions ChatGPT, AI jobs are soaring while companies use the same technology to cut costs How (and why) you should create a backup plan for your career Why Did My Credit Score Drop? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares findings from a new study about today’s working households and their outlook for retirement. Why are 28% of high income earners struggling in retirement? How you can resolve to build your reserve. Also today, Clark is all about FREE and doesn’t much mind the tradeoffs – and more people are receptive to saving money now. Enter TextNow.com - a FREE cell phone service that may work for you. Retirement Outlook: Segment 1 Ask Clark: Segment 2 FREE Cell Phone Service : Segment 3 Ask Clark: Segment 4 Mentioned on the show Almost Half of Today’s Working Households Are at Risk of a Lower Standard of Living in Retirement National Retirement Risk Index - Center for Retirement Research at Boston College Bluebird - Loaded with Benefits. Light on Fees. Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide Target Date Funds: Clark's Favorite Retirement Investment Clark.com - TextNow: How To Get Free Texting and Calling 10 Ways To Save on Prescription Drugs Protect Your Identity Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now more than in the past 15 years, it pays to seek out the best interest rates on savings so you make the most on your money. Announcing our new guide at Clark.com with a listing of best savings accounts updated weekly and a brand new savings calculator. Also in this episode, travel is up, so travel scams are back with a vengeance - all varieties. Clark tells you what to look out for. WHO you book with is key. GUIDE: Savings Accounts: Segment 1 Ask Clark: Segment 2 Travel Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Best High-Yield Online Savings Accounts What Is a Thrift Savings Plan? 13 Steps To Keeping Your Email Safe and Secure Privacy Archives - Clark Howard Proton - Privacy by default / Brave Private Web Browser / DuckDuckGo -Privacy simplified. What Does A Travel Scam Look Like And How Can You Avoid It? Road Scholar: Educational Travel & Learning Adventures A Retired Travel Agent's Secrets for Getting the Best Travel Deals Clark.com - CELL PHONES Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark fills you in on current direct student loan rates just announced. As the payment holiday comes to an end, know what is required to get and stay current on these loans. Also, recent developments in the electric car space will open up more EV choices. Student Loan Updates: Segment 1 Ask Clark: Segment 2 EV Announcements: Segment 3 Ask Clark: Segment 4 Mentioned on the show Student loan payments will be due starting in October, Department of Education clarifies Here's how to prepare to start paying back your student loans when the pandemic payment freeze ends Public Service Loan Forgiveness (PSLF) Credit Karma Review: Free Credit Score and More at Your Fingertips 7 Places to Get the Best Deals on Lab-Created Diamonds / Rare Carat Ford strikes deal with Tesla to gain access to rival charging stations starting 2024 GM wants to adopt Tesla’s charging network as ‘the standard’ Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In light of the recent Labor Department report, Clark has key job advice to keep in mind moving forward. Also in this episode, there’s a federal statute concerning how the $7500 tax credit works for buying an electric vehicle and a surprising way to take full advantage of that credit. Clark also discusses the industry now and what potential buyers need to know. The Job Market Is Booming: Segment 1 Ask Clark: Segment 2 Buying A Vehicle: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: The end of the self-employment boom From teachers to waiters: The industries that haven’t bounced back from the pandemic [The Washington Post] Labor Market Is Not Buying Into Talk of a Recession How to Teach Young Kids About Money The easiest way to get a $7,500 tax credit for an electric vehicle? Consider leasing. Are You Following Clark's Maximum Auto Loan Length Rule? The Average Vehicle Age in America When Will Car Prices Drop? Cars Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this summer calls for extra travel precautions. Make sure you know what experts know about how to avoid bed bugs at your lodging destination! Clark Stinks: Segments 1 & 2 Travel Inspection - Bed Bugs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best 529 College Savings Plans By State HUD Good Neighbor Next Door Program How Much Life Insurance Do I Need? Should You Sell or Stay Put in the Stock Market? Potentially record summer travel + low housekeeping staff = bed bug nightmares - from USA TODAY How To Pack a Carry-On the Right Way How To Find Cheap Flights in 3 Easy Steps Capital One Venture Rewards Credit Card: Travel Credit Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation busters! With inflation easing in some categories, Clark shares some items that are more affordable now. Also, with the housing shortage and high mortgage rates, house hunters are looking for creative ways to become homeowners, including ARMs and the 1% down payment. Get Clark’s take on both options. Inflation Busters: Segment 1 Ask Clark: Segment 2 2 Mortgage Options Explained: Segment 3 Ask Clark: Segment 4 Mentioned on the show Eggs Are Going on Sale Just Months After Prices Hit Records It's not just the Costco $1.50 hot dog combo—4 products that have beaten inflation Homebuyers might be able purchase a home with less savings — thanks to the two largest US mortgage lenders now allowing down payments of just 1% Why You Should Not Get a 1% Down Payment Mortgage Adjustable-Rate Mortgage: What Happens When Interest Rates Go Up Unprecedented Change to Clark Howard’s Longtime Home Buying Rule How To Freeze Your Credit With Experian, Equifax and TransUnion How to Freeze Your Child's Credit Should You Buy a Car With a Salvage Title? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark highlights recent and upcoming changes to retirement accounts involving tax law changes with potential benefits you should know about. Also, new issues with Zelle and Apple Savings accounts, and a warning for Venmo, Cash App & PayPal users. Retirement Account Changes: Segment 1 Ask Clark: Segment 2 Hazard With Payment Apps: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Retirement-Savings Changes You Should Know About for 2023-24 Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 Best Budgeting Apps in 2023: Our Top 6 Mint Review: 5 Things To Know About the Free Budgeting Tool What Is a 403(b) and How Does It Work? How To Open a Roth IRA JPMorgan Chase Working to Reverse Double Payments on Zelle - The Wall Street Journal. [The Washington Post] Don’t store money in Venmo, Cash App or PayPal, regulator says Apple Customers Say It’s Hard to Get Money Out of Goldman Sachs Savings Accounts - WSJ 7 Things To Know Before You Use Zelle 14 of the Best High-Yield Online Savings Accounts in June 2023 5 Things To Know About Series I Savings Bonds Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Submit your travel story! 404 981-2017 Clark breaks down the national debt - what the real problem is and how to fix it. The sooner the better. Also today, Amazon just settled a lawsuit over spying through Alexa and Ring devices. “Smile, You’re on Candid Camera” - depending on where your security cams are operating. Clark has suggestions. Fixing Deficit Spending: Segment 1 Ask Clark: Segment 2 Privacy In The Digital Era: Segment 3 Ask Clark: Segment 4 Mentioned on the show Submit your travel story! 404 981-2017 The Debt-Limit Deal Suggests Debt Will Keep Growing, Fast How To Buy Term Life Insurance in 7 Easy Steps Fidelity Investments Review 2023: Pros & Cons Schwab Starter Kit™ Amazon must pay over $30 million over claims it invaded privacy with Ring and Alexa Ring’s privacy failures led to spying and harassment through home security cameras FTC says: Amazon didn’t protect Alexa users’ or children’s privacy What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members DOT - File a Consumer Complaint 4 Things You Should Always Pack in Your Carry-On Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One company has now been sued for making BILLIONS of robocalls to Americans. Follow Clark’s simple rule to avoid this menace, plus Clark’s NEVER NEVER rule regarding texts & emails, and reduce your chances of getting scammed. Also today, Airbnb’s new transparency reveals a stunner: FEES and how much they add to the stated nightly rate. Know what to expect when booking. Scam Avoidance Rules: Segment 1 Ask Clark: Segment 2 Airbnb Fee Reveal: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Telecom company sued by nearly every state over billions of robocalls How To Stop Spam Calls for Good Clark Howard's #1 Rule To Avoid Email Scams Why You Should Never Click on Random Text Messages 3 Places You Should Never Invest Your Money How To Find and Choose a Financial Advisor Best Investment Companies for Investors in 2023 Airbnb Revamps Site to Ease Tensions Between Guests, Hosts Study: Cities With The Worst Airbnb Fees In 2023 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, one of Clark’s long recommended vendors for prescription eyeglasses has dropped in Consumer Reports ratings. Clark discusses the ongoing eyeglasses market cartel and where to get the best value. Clark Stinks: Segments 1 & 2 Where To Buy Eyeglasses: Segment 3 Ask Clark: Segment 4 Mentioned on the show AAA Membership: Is It Worth It? Do Not Give Your Social Security Number at These Places I Lost $400K of My Retirement Savings in a Roth 401(k) — If You’re Not Careful, You Could, Too Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Costco Tire Center Appointments Eyeglass Store Ratings - Consumer Reports® Zenni Optical Review: 6 Things To Know Before Your First Order How To Open a Roth IRA Clark Howard and the Prostate Cancer Foundation - 3T MRI of the prostate with & without contrast with 3d post processing Be Your Own Health Advocate Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Generally, close to half of Americans can’t cover the inevitable $400 or more unexpected expense. The mentality of tapping a 401(k) has taken hold. Running up credit card debt - not great either. Clark has a prevention suggestion to get you started on being prepared. Also, big grocery inflation has led to big changes in buying behavior. Clark talks about where people are getting the most for their grocery money. 1% Saving Habit: Segment 1 Ask Clark: Segment 2 Save More On Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes: It’s ‘More Expensive to Live,’ and Workers Are Cracking 401(k)s for Help Most Americans lack the cash to cover a surprise $400 expense Emergency Fund: Everything You Need to Know Can You Use a Credit Card on Venmo? Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card 5 Money Tips To Know Before You Travel Abroad Wise: the international account | Money without borders International Money Transfer from the United States - Revolut We Had a Recent Hail Storm. Should I Use My Insurance To Fix My Roof or Pay Out of Pocket? Report: Club stores absorbing grocery market share from supermarkets 22 Ways To Save Money on Groceries Fidelity Investments Review 2023: Pros & Cons Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Best Credit Cards for Gas Rewards: Top Picks for 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investment pools that don’t offer normal disclosures are blowing up on people. Dark money funds, SPACs, real estate crowdfunding groups, private placements on “the ground floor of opportunity” - they may sound wonderful. But they’re a costly lesson in high risk vs traditional investing. Clark spells out the difference to protect your investments. Also, It appears the streaming party is over. All at once, Netflix and other services are changing the rules & raising prices. Clark has a money saving assignment for you. High Risk Investments: Segment 1 Ask Clark: Segment 2 SAVE on Streaming: Segment 3 Ask Clark: Segment 4 Mentioned on the show Company Insiders Made Billions Before SPAC Bust - The Wall Street Journal. A Housing Bust Comes for Thousands of Small-Time Investors Get-rich-quick schemes, pyramids and ponzis: five signs you're being scammed — The Conversation Synthetic Identity Theft Definition - Investopedia Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Platinum Card® from American Express Review 2023: Is It Worth It? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Employee Stock Purchase Plan (ESPP): What It Is The cheapskate’s guide to digital entertainment Clark.com - Netflix Unveils Plans To Charge U.S. Customers for Account Sharing Clark.com - Why T-Mobile Customers May Hit a Snag With New Netflix Policy Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - Live TV Streaming Channel Tool YouTube TV Releases NFL Sunday Ticket Pricing 7 of the Best High-Yield Online Savings Accounts in May 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark spoke recently about the role of family and friends when it comes to fraud protection for our elders. Today he has a first hand account of why it's so vitally important we take this to heart. Also today, The Consumer Federation of America reports that home repairs and renovations are a top area of complaints. Avoiding these headaches starts with how you hire a contractor and Clark has some guidelines for getting it right from the get go. Vigilance For Vulnerable Seniors: Segment 1 Ask Clark: Segment 2 Hiring A Contractor: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Spot Financial Abuse of an Elderly Relative or Friend EcoATM: 5 Things To Know Before You Sell Your Phone Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? No surprises here: These are the top US consumer complaints, from cars to credit cards Clark.com- 6 Tips for Hiring a Contractor PSA Collectibles Authentication and Grading Service Beckett Authentication Services: Sports & Non-sports Memorabilia Auctions - Heritage Auctions Sell Sports Memorabilia with Sotheby's Christie’s Sports Memorabilia A Quick Guide on How to Insure Jewelry Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

For the last 20 years, the tech industry freemium business model has worked to get people using a service. That was the land grab phase. Now investors want a return. Also - How effective is the personal finance education offered in schools? Is it enough? Clark discusses basic ways to greatly improve financial literacy for a lifetime. Free Tech Tiers Ending: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show Tech companies to free users: Time to pay up Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Should I Buy Additional Insurance From a Rental Car Company? Credit Card Car Rental Insurance: What You Need To Know The case for financial literacy education How to Teach Young Kids About Money 6 Tips to Teach Teenagers About Money 4 Ways To Raise Financially Independent Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recently exposed by industry whistler blowers, Clark discusses the cynical practice by some health insurers to deny claims without review. How to get clarity if denied a claim, and how to fight it, if need be. Clark Stinks: Segments 1 & 2 Denied Health Insurance Claims: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA 3 Places You Should Never Invest Your Money Are You Following Clark's Maximum Auto Loan Length Rule? Health Insurance Claim Denied? See What Insurers Said Behind the Scenes How to Deal With Medical Debt Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There are those among us who live to travel. Clark breaks down nomadic lifestyle scenarios from remote workers to retirees, like his brother & sister-in-law, who SAVE MORE being nomadic pros, unencumbered by house or automobile. It can be done! But it's not for everyone. Also, A free big screen TV is now available - not a scam but of course, like other free services past & present- there’s a catch. The Nomad Life: Segment 1 Ask Clark: Segment 2 Free Big Screen TV Offer: Segment 3 Ask Clark: Segment 4 Mentioned on the show I work remotely from vacation rentals. It's cheaper than rent or a mortgage — here's how I find good deals and choose where to go next. Verizon Wireless Introduces New 'myPlan' Unlimited Plans T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Discover it® Cash Back Review: Earn Rotating 5% in Top Categories Chase Freedom Flex℠ vs. Chase Freedom Unlimited®: What’s the Difference? Policygenius Review: What To Know Before Getting Quotes Telly’s wild idea: Free TVs with inescapable ads Telly I The biggest thing to happen to TV since color. Pluto TV Review 2023: Get Live Streaming TV For Free How To Plan a Trip: Clark's Best Travel Tips To Save Money How To Spot and Avoid Gift Card Scams 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The job market dynamic continues to change and Clark points to where the market is strongest. Job seekers need to know the highest growth areas offering opportunities. Also discussed today - Americans are defaulting on debt at a rapidly increasing rate right now, pushing the delinquency rate up 50% in a year! BUCK that trend. Surprise Job Growth Areas: Segment 1 Ask Clark: Segment 2 Dealing In Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] The real reason America’s nonprofit sector is seeing massive growth, and more! What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? How and Why To Refinance Your Mortgage: A Step-By-Step Guide WSJ - Americans Are Falling Behind on Their Bills Consumer debt passes $17 trillion for the first time despite slide in mortgage demand Are You Following Clark's Maximum Auto Loan Length Rule? Why 'Buy Now, Pay Later' Worries Clark Howard Warning: Here’s What Those Debt Settlement Companies Don’t Tell You 6 Things To Know Before Contacting the National Foundation for Credit Counseling Ditch Your Debt - Clark Howard Community How To Buy Term Life Insurance in 7 Easy Steps Why You May Need More Than One Checking Account Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of life’s biggest purchases is a car. The industry has been on a rollercoaster but the ride is finally smoothing out for buyers. Clark provides a market update on how prices are moving for both new and used vehicles. Also today - a huge pharmacy hack has exposed the key personal information of 6 million patients to criminals. The number one thing you can do to protect your identity. Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Freeze Your Credit Stat: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes: Why Is Inflation So Stubborn? Cars Are Part of the Answer. Why the car you want to buy might be impossible to find [The Washington Post] New cars, once part of the American dream, now out of reach for many US consumers keep vehicles for a record 12.5 years on average -S&P Insurance Archives - Clark Howard What Is an ABLE Account? TechCrunch: US pharmacy giant says hackers accessed personal data of almost 6 million patients PharMerica Data Breach: What To Know and How To Protect Yourself How To Freeze Your Credit With Experian, Equifax and TransUnion Best Online Banks: Free Checking and High-Interest Savings Accounts BBB-File a Complaint Best 2% Cash Back Credit Cards: 8 Options in 2023 Best Cash Back Credit Cards With No Annual Fee Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Approaching Memorial Day, Clark shares perspective on regaining a sense of national purpose in America with regard for the ongoing sacrifices made by our military, and wants to ensure veterans and active personnel know about all the benefits available to them. Clark Stinks: Segments 1 & 2 Military Benefits: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amtrak YNAB Review: 5 Things To Know About the Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Schwab Certificate of Deposit Apple News+ 1 Year Subscription Clark.com - Buying Tires How To Make Your Online Accounts Accessible When You Die Homeowners Insurance Archives - Clark Howard How To Find a Good Moving Company Military veterans can now receive free emergency mental health care Military and Veterans Guide: Free Resources for Your Finances The Best Veterans and Military Charities Army National Guard - Get Started Do Debit Cards Still Stink in 2023? The Safer Way To Use Your Debit Card 7 Places to Get the Best Deals on Lab-Created Diamonds Best Renters Insurance Companies and Ones To Avoid Living Will and Durable Power of Attorney: Frequently Asked Questions Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Passwords. There’s got to be a better way. Clark discusses the password problem and security key solution, including the passkey system from Google. Also - Memorial Day weekend begins tomorrow kicking off what looks to be the busiest summer travel season ever. Clark has advice for both road and air travel, including ways to save on today’s higher airfares. Security Keys VS Passwords: Segment 1 Ask Clark: Segment 2 Summer Travel Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Hate passwords? You're in luck - Google is sidelining them Security Key Series | YubiKeys | Yubico - Security Key Series Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Clark.com: Best Rewards Credit Cards / Best Credit Cards for Investing Rewards Brace yourselves, travelers: This summer could be ‘one for the record books’ US airlines thrown a curveball as consumer habits change post-pandemic Travel Archives - Clark Howard / Clark.com - Save on Airfare Clark.com Top Travel Deals / Clark Deals - TRAVEL Airline Customer Service Dashboard Fly Rights | US Department of Transportation Life at Sea Cruises Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As parts of the economy emerge from inflation, post pandemic conditions remain rough for retailers and that means discounts to attract buyers. Every form of discounting is going on, including on some of life’s necessities. Be on the lookout for lower prices & special offers. Also today, a cautionary tale about a senior scammed out of millions, right under the nose of his bank and credit union. What is the responsibility of financial institutions, families and loved ones to protect the life savings of our vulnerable elders? Happy Deals Are Here Again: Segment 1 Ask Clark: Segment 2 Our Mission Must Be Elder Fraud Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show Barrons.com: Retailers Ramp Up Discounts to Try to Bring In Shoppers CLARK DEALS - Deals You Can Trust 7 Things on Deep Discount in May Life Insurance Archives - Clark Howard An elderly man was scammed out of millions. Could the bank have done more to prevent fraud? - from USA TODAY Why Structured Notes Might Not Be Right for You What Is a Fiduciary Financial Advisor and Do I Need One? Best 529 College Savings Plans By State Why hitting the lottery could leave you broke Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

They advertise on billboards, roadside signs and in media - real estate companies that specialize in distressed properties. Should you ever consider giving them a call? Like any industry, there are both legit and crooked players in the real estate investment game as cash home buyers. A Clark Smart Warning includes a reminder to watch over our vulnerable senior loved ones. Also, half of Americans with paid vacation don’t use it all! Clark speaks to this unspeakable stat, with a directive for you. Unethical Real Estate Investors: Segment 1 Ask Clark: Segment 2 ALL Your Vacation Time!: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Ugly Truth Behind “We Buy Ugly Houses” Five Stories of Lives Upended After Dealing With the “We Buy Ugly Houses” Company [The Washington Post] The mystery of the disappearing vacation day Less Than Half of US Workers Use All Their Vacation Days Clark.com-Timeshares / Timeshare Users Group / Vacatia Clark Howard's Guide to Saving Money on Your Wedding How To Manage Your Monthly Subscriptions To Save Money 7 Types of Subscriptions You May Want To Cancel Today Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has a personal health update and some solid advice for others, specifically men, about how to advocate for and guard your most valuable asset: your health. Also, the unofficial start of summer is upon us, and buried under negative headlines is great news about gas prices and energy costs in the coming months. Protecting Men’s Health: Segment 1 Ask Clark: Segment 2 Summer Energy Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard and the Prostate Cancer Foundation NYTimes: Too Many Older Men Are Still Screened for Prostate Cancer [The Washington Post] A silent crisis in men’s health gets worse Before you believe addiction or cancer claims, read this Why melanoma is so deadly for men, and why it doesn’t have to be Home Title Lock: Is It the Same As Home Title Insurance? Clark.com: What Is Owner’s Title Insurance and Do You Need It? How and When To Cancel a Credit Card Why You Should Keep Old Credit Card Accounts Open American Drivers Are Last Hope for Global Fuelmakers Ahead of Tenuous Travel Season What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, recall Clark’s enthusiasm for his portable carbon monoxide detector, great for travel. New data from the Consumer Product Safety Commission shows carbon monoxide deaths are rising in residential settings. Find out why this is happening and your quick fix against this silent killer. Clark Stinks: Segments 1 & 2 Essential Safety: CO Detectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show How To Open a Roth IRA The $10 Travel Essential Clark Howard Always Packs Consumer Product Safety Commission report shows upward trend in carbon monoxide fatalities Carbon monoxide detectors are cheap and save lives 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Is a robot lawn mower worth it in 2023? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Entrepreneurs make the world go round and as the job market transforms, many decide to start their own business, which may include holding a franchise. Clark has specific, must-do, key rules for those considering becoming a franchisee. Another big life decision - getting engaged. Turns out after the post pandemic wedding surge, engagements rates are down. This presents a marketplace opportunity for future newlyweds. Key Rules For Aspiring Franchisees: Segment 1 Ask Clark: Segment 2 Otherwise Engaged - Diamond Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show Franchise ownership: Is it right for you? Franchise Fundamentals: Debunking five myths about buying a franchise The Only Reason You Should Make an Improvement to Your Home Should I Turn To Costco for a Home Renovation Project? Best Online Will Maker: 5 Free or Cheap Options Living Will and Durable Power of Attorney: Frequently Asked Questions Curb | Low-Cost, On-Demand Rides - GoCurb.com Engagement ring sales are down sharply, according to America’s biggest jeweler 7 Places to Get the Best Deals on Lab-Created Diamonds Is there a limit on how much my mortgage lender can make me pay into an escrow account for interest and taxes? About ASE - Automotive Service Excellence Retailers return fees — and how you can avoid them. Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the controversial advent of generative AI so heavily reported, Clark shares good news about AI automation being used to improve food services. Also today, TV and general repair shops vanished long ago, and thus began a slow building, global movement to fix broken items. If you need help beyond YouTube videos to fix electronics and other items, be aware of Repair Cafés. Automated Food Service: Segment 1 Ask Clark: Segment 2 Repair Cafes Promote Sustainability: Segment 3 Ask Clark: Segment 4 Mentioned on the show Carl's Jr. and Hardee's to roll out A.I. drive-thru ordering nationwide This company adopted AI. Here's what happened to its human workers Best 529 College Savings Plans By State Future Scholar: South Carolina’s 529 Savings Plan Best Credit Cards for Students: Top Picks for 2023 Wirecutter: How to Get Your Broken Stuff Fixed for Free Repair Café International Foundation’s map What Is a Credit Union? Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares good news on the summer travel front including more fee disclosure from hotels, and big improvements from Airbnb. Also today - a special warning about a medical payment method to be avoided. Hotel & Airbnb News: Segment 1 Ask Clark: Segment 2 Paying For Medical Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How to book travel on Priceline Find Out What Priceline or Hotwire Hotel You’re Getting Before You Book Marriott just blinked on those nasty resort fees / ResortFeeChecker. Airbnb Revamps Site to Ease Tensions Between Guests, Hosts At. Freaking. Last. Airbnb is fixing its core design problems, says CEO Brian Chesky Airbnb is going back to its apartment-sharing roots with Rooms amid tighter regulation Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Where You Should (and Should Not) Book Your Next Vacation Beware of twist on third party airline ticket booking scam Do Not Give Your Social Security Number at These Places Wise Official Website - Wise.com / About Money Transfer GB | Revolut Biden administration warns consumers to avoid medical credit cards Should You Pay for Credit Monitoring? How to Freeze Your Child's Credit As Used-Car Prices Surge, Consider Fixing the Car You Already Own Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With bank failures eroding public confidence, Clark has an update on how to protect money beyond the FDIC insurance limit. Also today, inflation’s effect on proms and weddings, and ways to stretch your dollars for special events. FDIC Insurance: Segment 1 Ask Clark: Segment 2 Special Event Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Nearly half of Americans are nervous about their money in the bank, Gallup survey finds Get Peace of Mind for Large Cash Balances with ICS & CDARS Are Money Market Funds a Safe Place To Stash My Savings? Donor-Advised Funds: The Benefits and Drawbacks How to Set up a Backdoor Roth IRA Clark.com - How To Sell A Car Prom price index shows cost of celebration is getting relatively cheaper – even at a time of high inflation Clark Howard's Guide to Saving Money on Your Wedding The Long Demise of the Stretch Limousine Turning 26: Health Insurance Guide for Those Aging Off Their Parents’ Plan How To Store Your Important Financial Documents Online How to Make a Disposable Razor Last 12 Months Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, lost luggage is always a problem, and a growing one in the cruise industry. If you insist on checking luggage, Clark has advice for packing your carry on bag including a NEVER EVER rule, so things go easier if your luggage goes MIA. Clark Stinks: Segments 1 & 2 Carry On Rules If Checking Luggage: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks Where Should I Look for a Great Deal on a Cruise in 2023? Best Credit Cards for Students: Top Picks for 2023 Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart Welcome to the FDIC’s Electronic Deposit Insurance Estimator (EDIE) Should Uninsured Deposits Get a Warning Label? The era of free returns may be coming to an end. Why retailers are charging return fees — and how to avoid them. Lost Luggage a Growing Problem for Cruise Ship Passengers Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com - Weddings Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Rising interest rates - raise interest in how to optimize savings yields. Clark explains your best moves with Series I Savings Bonds and CDs in the current context of cooling inflation and where rates stand today. If you’ve got cash to stash, you’ll better understand the savings moves to make right away to make the most of your money in time. Also, many Americans are neglecting an important part of protecting their families - life insurance. Clark helps you understand and get beyond the industry’s current dysfunction - to get this vital task taken care of the right way, once and for all. Best Saving Strategies Now: Segment 1 Ask Clark: Segment 2 Get It Done-Life Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show 3 Things Clark Says You Should Do With CDs in 2023 CNET - The Clock Is Ticking to Lock In a Long-Term CD: Why Experts Say You Shouldn't Wait Morningstar: I Bonds Are Down, But Not Out The Wall Street Journal: Return on I Bonds Drops to 4.3%, but They May Now Be a Better Long-Term Investment What Is a CD Ladder and When Is It a Good Idea? Are Money Market Funds a Safe Place To Stash My Savings? Your Guide to DIY Home Security Systems Wyze Cam v3 Review: Still Easy to Recommend / Wyze Cam Clark Deals - Home Security / Amazon Best Sellers in Security Cameras Life Insurance Is Profitable Again, but Too Late for Many Insurers What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Life Insurance Archives - Clark Howard 12 Things You Never Knew You Could Get From Your Local Library Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In a slowing economy, be a skeptic, especially when it comes to finding employment. The way we find jobs today is very different, but some elements of landing a job remain the same. Clark shares the importance of networking, along with warnings about “ghost jobs” and job scams. Also today, Clark presents a new take on the age old question: Can money buy happiness? Thoughts on the nature of happiness, retirement and the money quotient. Beware Job Scams: Segment 1 Ask Clark: Segment 2 Happiness Is…: Segment 3 Ask Clark: Segment 4 Mentioned on the show Job Listings Abound, but Many Are Fake FTC Consumer Alert - You Got The Job! Do Not Give Your Social Security Number at These Places Subrogation in Insurance: What it Is and Why It's Important GAF Energy Review: Your Best Solar Roof Option [The Washington Post] Can money buy happiness? Scientists say it can. Does more money correlate with greater happiness? The Humble Dollar - What really makes people Happy The Finnish Secret to Happiness? Knowing When You Have Enough. What Is Owner's Title Insurance and Do You Need It? How Many Credit Cards Should I Have? Best Travel Credit Cards: Top Rewards Picks for 2023 Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s complicated when kids leave the nest these days. How long should young adults receive support from their parents? Almost half of parents are supporting at least 1 adult child and the average amount given monthly is surprisingly high. Follow Clark’s plan to help kids launch into independence as adults. Also today - International travelers! There’s a global gotcha when paying for anything overseas. Know this important rule about how you pay when you are abroad Parents Funding Adult Kids: Segment 1 Ask Clark: Segment 2 Purchases Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show How long should you support your adult children? Parents — and their kids — weigh in When Different Generations Think Kids Should Start Paying Their Own Bills Mint Review: 5 Things To Know About the Free Budgeting Tool Best Budgeting Apps in 2023: Our Top 6 Is Apple Card Worth It? 5 Things To Know in 2023 How To Dispute a Charge on Your Credit Card Are You Following Clark's Maximum Auto Loan Length Rule? Travelling abroad? Don't be tempted to pay your way using your home currency — The Conversation Clark.com: Best Credit Cards With No Foreign Transaction Fees in 2023 Best Travel Credit Cards: Top Rewards Picks for 2023 Revolut - International money transfers Too Good To Go: Save Food - Help The Planet Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Scammers have learned how to manipulate search results, laying the groundwork for rip offs and identity fraud. Today, learn what to avoid and how to correctly obtain your credit report & score. Also, a new study exposes mislabeling of a very popular supplement - which speaks to an ongoing problem in the dietary supplement - herbal remedy market. Buying unverified products can have serious health consequences. Clark helps you choose wisely by knowing what certifications to look for. Sourcing Credit Reports & Scores: Segment 1 Ask Clark: Segment 2 Supplement Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Never Google ‘free credit report.’ Do this instead. 4 Ways To Get Your Free Credit Score / How To Get a Free Credit Report Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion What Is a Rollover for Business Startups (ROBS)? How to Buy a New Car in 5 Steps AMA - Quantity of Melatonin and CBD in Melatonin Gummies Sold in the US NYTimes: 22 Out of 25 Melatonin Products Were Mislabeled, Study Finds How To Avoid Fraud With Herbal Supplements ConsumerLab.com / NSF International / U.S. Pharmacopeia Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Warning: There is no viable secondary market for timeshares- but there ARE con job “timeshare resale services” and now criminal rings are into timeshare resale scams. Clark’s best advice for unloading a timeshare. Clark Stinks: Segments 1 & 2 Timeshare Fraud Ring: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgages Archives - Clark Howard What Is Mortgage Protection Insurance and Do You Need It? How To Dispute a Charge on Your Credit Card Why You Don't Need an 800 Credit Score What Is a Good Credit Score? What Is a Spousal IRA and What Are the Rules? The Best Security Keys for Multi-Factor Authentication Full View - all your online financial information in one place [Franklin News] U.S Treasury sanctions cartel-run timeshare fraud network targeting Americans How To Sell, Cancel or Get Rid of Your Timeshare Scam Alert: Stay Away From Timeshare Exit Companies Which Type of Organization Is Best For Your Business? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We all want to improve our credit. Learn Clark smart ways to build or rebuild your credit including the best secured credit cards. Also, Clark recently talked about the end of free shipping. Well its partner, free returns, is now on life support. Free returns have gone through the roof and online sellers are cracking down. What to know before you buy. Establish/Repair Your Credit: Segment 1 Ask Clark: Segment 2 The End Of Free Returns: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Credit Karma Review: Free Credit Score and More at Your Fingertips 4 Ways To Get Your Free Credit Score Why You Don't Need an 800 Credit Score What Is a Good Credit Score? The #1 Mistake That Can Hurt Your Credit Score Are You Following Clark's Maximum Auto Loan Length Rule? Amazon Just Made a Surprising Change That Breaks Its Most Important Rule. It'll Make Some Customers Angry Amazon will charge customers a fee for some UPS returns Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Yet more statistics confirm how little American couples and families talk about money. This reluctance is actually harmful to your financial security and independence. It’s vital to know how to start the conversation - and keep it ongoing. Also, Influencers are so powerful in the marketplace today, and are now taking the moving industry by storm. When it comes to moving and the risks involved, don’t follow influencers. Don’t follow ads. Follow Clark’s moving rules. MONEY Conversations: Segment 1 Ask Clark: Segment 2 Rules For Safe MOVING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Americans are choosing lottery tickets and maybe even fortune tellers over financial planners How Couples Can Get on the Same Page About Money How Do I Know Whether I’m Getting a Good Price on Gutter Protection Covers and Other Household Improvements? Lindsay Lohan, Soulja Boy Accused by SEC of Illegally Touting Crypto Token Help Me Move? I’ll Pay You in Instagram Likes How To Find a Good Moving Company / Moving.com / Move.org Automatic Bill Pay: How It Works and How To Do It Safely Should I Invest Instead of Paying Extra on My Low-Interest Mortgage? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices