The Clark Howard Podcast

Make sure you have all of your financial accounts organized. Today people change jobs frequently, often leading to a confusing menagerie of retirement accounts. Streamlining investments helps you manage a sustainable retirement, and helps prevent losing track of savings. Also today, travel warnings about booking tours and cruises. Those industries have had a lot of instability. Clark offers some tricks of the trade for smart booking including the best way to pay, and a NEVER NEVER rule about trip insurance Organizing Retirement Accounts: Segment 1 Ask Clark: Segment 2 Travel Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Three Strategies to Organize Your Retirement Accounts 401(k) Rollover: What You Need To Know & Options What Are Index Funds? / What Is an ETF? Dollar Cost Averaging Makes You a Fortune Over Time 6 Things to Know Before You Sign Up for Tracfone Wireless Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need NYTimes: Help! I Signed Up for a $4,800 Bird-Watching Trip but the Company Shut Down. Gainesville couple out thousands of dollars after Vantage Travel suddenly goes out of business Vantage lays off employees weeks after announcing it was up for sale How To Choose a Tour Company Travel Insurance? What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? Evaluate Life Insurance - Consumer Federation of America Paying for Long-Term Care: How It's Changing How Do You Prepare for the Likelihood of Long-Term Care Costs? 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 points to a job sector seldom considered, where you can potentially make good money in a wage war - plus benefits. Also, for buyers, sellers and renters alike, Clark delivers a housing market update, including where things are headed. A Rewarding Job Sector: Segment 1 Ask Clark: Segment 2 Housing Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show US Job Openings Fall to Lowest Level Since 2021, Layoffs Ease Mounting job vacancies push state and local governments into a wage war for workers 10 Ways To Save on Prescription Drugs The last, best hope for homebuyers / Axios: Homebuilding is soaring [The Washington Post] The housing market recession is already ending Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons What Is 5G and Is It Worth It To Upgrade? How and Why To Refinance Your Mortgage: A Step-By-Step Guide 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster 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. Later, 20% of credit card users have heavy revolving debt, accounting for ¾ of the money banks make from cards. Few such users know their debt amount or interest rate, an oversight banks have exploited. If you’re carrying credit card debt, Clark has an assignment that could help you achieve being debt FREE. Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show What is Dual Enrollment and How Much Does it Cost? Best Credit Cards for Shopping Rewards: Top Picks for 2023 Best Credit Cards for Groceries in 2023 2 Ways To Guarantee Yourself a Lifetime Stream of Income Heavy credit-card users are key in the Fed’s inflation battle How to Freeze Your Credit — Literally! Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Best 0% Intro APR Credit Cards: Top Picks for 2023 Citi Simplicity® Card Review 2022: A Worthy Balance Transfer Card 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 dominance of plastic and electronic forms of payment has made it more difficult to teach kids money basics. Not using real cash makes money seem like an infinite resource. Spending cards with parental controls has been the marketplace answer with fees attached. Clark discusses a new free offering from Chase. Also, renting goods is trending stronger these days, as all types of subscriptions are getting more expensive. Taken all together, these things can eat up your wallet over time. Clark breaks down the two subscription types with advice on how to reconcile your budget with the choices you have. Youth Spending Cards: Segment 1 Ask Clark: Segment 2 Renting & Subscriptions Of Goods & Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show How Today’s Teens Get More Financial Firepower Than Past Generations This No-Fee Debit Card Lets Parents Supervise Spending - WSJ Venmo / CashApp for Grandkids - Clark Howard Community Best Credit Cards for Students: Top Picks for 2023 Why Clark Howard Is So Excited About His Wedding Band The shift from owning to renting goods is ushering in a new era of consumerism — The Conversation 7 Types of Subscriptions You May Want To Cancel Today How To Manage Your Monthly Subscriptions To Save Money Best Credit Cards for Extended Warranty: Top Picks for 2023 Team Clark Guarantee - 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

Credit cards are a massive expense for businesses. The U.S. has the highest merchant fees in the world, so many merchants pass on the expense to customers. Clark tells you how Visa is fighting back, and what this all means for both merchants and consumers. Also today, Clark - aka The Man From Roth - shares the considerable merits of the ROTH versions of 401(k)s and IRAs. Roths are the superior choice yet - underutilized. Credit Card Surcharge Decisions : Segment 1 Ask Clark: Segment 2 Roth Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show Bodegas Put on Notice as Visa Fights Back on Card Surcharges Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card How to Get a Mortgage in 8 Steps Congress Ended a Tax Break. How That May Help Higher Earners. WSJ Roth vs. Traditional 401(k): What's the Difference? What Is a Roth 401(k) and How Does It Work? 14 of the Best High-Yield Online Savings Accounts in August 2023 Gym membership cancellation: Here's how easy it can be to get out How To Get a Gym Membership for Practically Free 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

NFL football! Clark discusses the new Verizon deal on NFL Sunday Ticket and what you’ve got to know before kick off! Also - good news for fellow travelers - the deal has changed on domestic airfare. Verizon’s NFL Sunday Ticket: Segment 1 Ask Clark: Segment 2 Domestic Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Verizon Offers Customers Free NFL Sunday Ticket With a Catch 4 Things To Know Before You Buy a Digital TV Antenna YouTube TV Releases NFL Sunday Ticket Pricing Google announces the end of multiple Nest products. What you need to know Credit Card Car Rental Insurance: What You Need To Know American Travelers Are Shunning the U.S. for Europe - WSJ Ultra-Low-Cost Carriers Cutting Back on Midweek Flights Traveling to Europe just got more complicated Welcome to the official ETIAS website 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 lends perspective on the vehicle market before, during, and now post Covid. What potential car buyers need to know about the manufacturer-to-dealer pipeline now, for both new and used vehicles - including EVs. Is now the time to buy? Clark’s crystal ball reveals a clear answer. Also, something wealthy folks do to help stretch every dollar. Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Diggin Deep Discounters: Segment 3 Ask Clark: Segment 4 Mentioned on the show Dealers have cars and prices are stabilizing, but people still can't buy a car. Here's why - from USA TODAY Barrons.com: Tesla, Ford, and the EV Inventory Debate on Wall Street Jalopnik: Dealers Now Have Nearly Two Million New Cars Sitting On Their Lots NYTimes.com: Electric Vehicle Prices Fall as Automakers Raise Production Ford Cuts Price of F-150 Lightning Electric Truck by Up to $10,000 - The Wall Street Journal. 17 Free Tips To Make Your iPhone Easier To Use 7 Easy Ways To Free Up Storage Space on Your iPhone 5 Ways To Free Up Storage Space on Your Android Phone One-Percenters Keep Shopping at the Dollar Store How To Open a Roth IRA When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 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, higher home prices and interest rates make saving for a down payment a big challenge that can take a decade to accomplish. So families are stepping in to help young adults buy their first home. Clark talks about the most effective way to do this, and has some definite thoughts on co-signing. Clark Stinks: Segments 1 & 2 Family Assisted Home Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cash Back Credit Cards With No Annual Fee Credit Karma vs. Credit Sesame: Is One Better Than the Other? College Scorecard | U.S. Department of EducationCollege Scorecard Axios: It takes nearly a decade to save for a down payment Four Ways Parents Can Help Kids Be First-Time Home Buyers Applicable Federal Rate (AFR): What It Is and How To Use It AFR Rates | IRS Applicable Federal Rates Evaluate Life Insurance - Consumer Federation of America Can a Patient Advocate Help With Your Medical Bills? 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 cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA / How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments 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

If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet. The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment 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

Real estate agent commissions are increasingly controversial with two massive class-action lawsuits underway. Would you sell your home yourself or use an agent? We have the results of our poll on that question. Also today, Clark talks about different areas that have been really expensive, but are now becoming more affordable. Knowing the 'zig-zag' principle can help you save more. Clark.com Poll: Real Estate Agents: Segment 1 Ask Clark: Segment 2 Price Drops: Segment 3 Ask Clark: Segment 4 Mentioned on the show Meet the overlooked monopoly that’s overcharging homebuyers $72 billion a year An epic fight over how real-estate agents get paid could transform the housing market forever Clark.com Daily Newsletter Poll: 275 responses How to sell your house by owner How To Find a Trustworthy Mechanic Amusement park attendance and prices down Hot tub sales cool as well-off Americans stop splashing out Should I Get Insurance on My Water and Sewer Lines? Automatic Bill Pay: How It Works and How To Do It Safely Recalls.gov 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

Overall, our expectations of when we want to retire aren’t matching up with our savings. Many of us lament we’re not really on track for retirement. Clark revisits the basics to help get you there, and has a challenge for you, regardless of your age. Also, there are great deals on certain electronics now. Clark shares key buying tips. Your Retirement Track: Segment 1 Ask Clark: Segment 2 Save On Electronics: Segment 3 Ask Clark: Segment 4 Mentioned on the show Investing & Retirement Archives - Clark Howard High Income Households Not Worried Enough About Retirement $1.27 million is the magic number for retirement, Americans say. The average person has just 7% of that saved. Women Have Significantly Less Saved in 401(k)s Than Men — What to Do About It Barrons.com: Oregon’s State-Run Retirement Plan Hits $200 Million in Savings How To Open a Roth IRA / Fidelity - Saving & investing for a child Best And Worst Homeowners Insurance Companies: July 2023 10 Ways To Save Money on Car Insurance / How to Shop for Car Insurance Clark Deals - Electronics Want to Save Money on a New TV? Consider Buying a 2022 Model 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale Delta Digital ID | Delta Air Lines What Is Disability Insurance and How Does It Work? What Is a Roth 401(k) 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists. Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs 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

People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee / CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs 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

Vanguard. There have been lots of complaints about this golden child lately. Clark shares the pioneering background of what is now the second largest investment house in the world, and how the company appears to be going through a midlife crisis. Also today, Clark has an update on the cost of apartment rental and the add-on fees to be aware of. An Issue With Beloved Vanguard: Segment 1 Ask Clark: Segment 2 Apartment Rental Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show Vanguard Faces Competition and Criticism — Where Does It Go From Here? How To Open a Roth IRA Red Pocket Mobile: 6 Things To Know Before You Sign Up Shocked by those extra monthly apartment fees? 3 big rental sites plan to reveal them Laptops -Clark Deals / GoogleShopping Laptops & Notebook Computers-Costco Wholesale How To Buy Term Life Insurance in 7 Easy Steps What Is a Fiduciary Financial Advisor and Do I Need One? 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 U.S. is beginning to catch up when it comes to money transfer. Clark explains the deal with FedNow. Also, you may be overlooking a simple and inexpensive way to save big bucks on cooling your home this summer. What Is FedNow: Segment 1 Ask Clark: Segment 2 SAVE on Air Conditioning: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is FedNow? Banks’ Newest Fed Headache: Nonstop Instant Payments A Retirement Tax Break That Ends the Fear of Outliving Your 401(k) What Is the Largest Homeowners Insurance Deductible That Clark Recommends? Do I Need To Re-Visit My Homeowners Insurance Coverage After Years of High Inflation? Car Insurance Archives - Clark Howard 2 Ways To Guarantee Yourself a Lifetime Stream of Income Immediate Annuities - Income Annuity Quote Calculator Want to Use Less Air Conditioning? Just Turn on a Fan How To Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips What Credit Score Do You Need To Buy a Car? Are You Following Clark's Maximum Auto Loan Length Rule? 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 extreme shortage of skilled workers is affecting everything from car and home repairs to medicine. Clark discusses 2 aspects of the structural labor shortage in the U.S. Also today, Clark has Costco news to share, and addresses several questions and complaints from your emails. The Skilled Labor Shortage: Segment 1 Ask Clark: Segment 2 Costco Membership News: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - Why Is It So Hard to Get a Plumber to Even Call You Back? Nurses Have Had Enough, Threatening Big Gaps in US Health Care Why It’s Impossible to Get Your Car Repaired This Summer 3 Things Clark Says You Should Do With CDs in 2023 Roth IRA Withdrawal Rules - Investopedia Going™ | Formerly Scott's Cheap Flights Best Travel Credit Cards: Top Rewards Picks for 2023 'WANT TO CORRECT' Costco CFO Richard Galanti breaks silence on new self-checkout policy after outrage over membership ‘stealing’ crackdown NYTimes: Costco Is Cracking Down on Membership Sharing Barrons.com: Now Costco Is Cracking Down on Membership Sharing 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, overwhelmingly the people who should have a will do not. The recent saga surrounding the will of Aretha Franklin is a valuable lesson for us all. Clark Stinks: Segments 1 & 2 Making A Will: Segment 3 Ask Clark: Segment 4 Mentioned on the show Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? Credit Card Car Rental Insurance: What You Need To Know YouTube TV Releases NFL Sunday Ticket Pricing LOS ANGELES TIMES: Aretha Franklin jury selects a valid will: It's the one found in the late singer's couch Why You Really Need To Create a Will Wills & Funerals Archives - Clark Howard Turo: 5 Things To Know About the Cheap Car Rental 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

A trend you may have noticed - stores and restaurants are opening later and/or closing earlier. Post Covid we’re seeing new patterns. Also, from the Supreme Court decision to the latest in loan forgiveness, Clark has an update on student loan debt. Sooner Than Later Service: Segment 1 Ask Clark: Segment 2 Student Loan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show America Is Becoming a Nation of Early Birds Resy - Book Your Reservation Your Guide to DIY Home Security Systems 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Find and Choose a Financial Advisor Biden Administration to Wipe Out $39 Billion in Student Loans - The Wall Street Journal. You could still be eligible for student loan forgiveness under this plan 1 in 3 federal student loan borrowers spent money they thought was going to be forgiven—here's where relief stands NYTimes.com: Ways You Can Still Cancel Your Federal Student Loan Debt Best Investment Companies for Investors in 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

Have you seen the ads for a device that Elon Musk supposedly invented to cut electric bills? Clark tells you if that’s for real, and discusses some exciting upcoming options for power to your home. Also, believe it or not it’s time to shop back to school items. Clark points to some exceptional deal categories and shares shopping strategies. Energy Savings & Backup Power: Segment 1 Ask Clark: Segment 2 Back To School Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show Fact Check: Elon Musk Did NOT Invent Energy-Saving Device That Will Cut Power Bills By 90% | Lead Stories GM Energy’s Ultium Home products provide backup power to your home in outage - USA TODAY The best back-to-school sales & deals available now! Paramount+ Plans Paramount+ Review 2023: Is This Streaming Service Worth It? What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? 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

Savers! The window is closing on long term CDs. Clark fills you in on what you can do now to maximize money put aside for saving, vs for investing. Put your money to work the right way. Also, money saving takeaways from Clark’s summer vacation including car rental and currency practices. 5 Year CD Rates Now: Segment 1 Ask Clark: Segment 2 Lessons Abroad- Clark’s Summer Vacation: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Window To Open a 5-Year CD Is Closing Soon What Is a CD and Should You Open One? / Bankrate CDs What Is a CD Ladder and When Is It a Good Idea? Follow Clark Howard’s #1 Rule To Travel Cheap Credit Card Car Rental Insurance: What You Need To Know 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? How to use Google Maps overseas with no data usage The Best International Phone Plans United Club & Lounge Access / Military Airport Lounges Non-Owner Car Insurance: Who Needs It? 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 important information on receiving a free or very affordable college education, including state based aid, reimbursement programs, Income Share Agreements, second level state universities and pricing resources. Also, how would you like to make extra money renting out your car? More competition is entering this field, and it could be good for your wallet. Affordable College: Segment 1 Ask Clark: Segment 2 Renting Out Your Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] To fight teacher shortages, states send people to college for free NYTimes.com: The College Data You Probably Can’t Find, but Definitely Need College Tables Where to Find the Cheapest In-State Tuition For College College Scorecard | U.S. Department of EducationCollege Scorecard For College Financing, Consider an Income Share Agreement Costco Hearing Aids: 5 Things To Know Before You Buy The Best Places To Buy Hearing Aids Should You Buy Out Your Leased Car? Uber wants to rent out your car: Company set to launch Uber Carshare in Boston, Toronto Turo: 5 Things To Know About the Cheap Car Rental Service Best Travel Credit Cards: Top Rewards Picks for 2023 High-Yield Savings Account Calculator 14 of the Best High-Yield Online Savings Accounts in June 2023 3 Things Clark Says You Should Do With CDs in 2023 Best Investment Companies for Investors 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how to save someone’s life using a simple household item. Clark Stinks: Segments 1 & 2 CPR: Taking The Plunge: Segment 3 Ask Clark: Segment 4 Mentioned on the show American Express Send & Split with Venmo & PayPal Ask the Doctor: Are eggs risky for heart health? Eggs: Are they good or bad for my cholesterol? Intake of up to 3 Eggs per Day Is Associated with Changes in HDL Function and Increased Plasma Antioxidants in Healthy, Young Adult 'Grandparent' Scams Get More Sophisticated How a Toilet Plunger Improved CPR How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Freedom® Index Funds 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 consumers! A new law changes the rules for 3rd party sellers on online marketplaces such as Amazon & Walmart. Clark covers what you need to know about these sellers, and the problem with online purchasing via your phone. Also today, long-term care insurance is cost prohibitive for most. Still, advance planning is a smart idea. Know what elder care options exist today and potentially in the future. Online Seller Disclosure: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show The INFORM Consumers Act and online marketplaces: What to know BBB-File a Complaint Costco vs. Sam’s Club: What Is the Difference? Buying Gas From a Station on This List Is Better for Your Car What if you can’t afford long-term care? NYTimes.com: States Try Easing the Burden of Long-Term Care’s High Cost What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? Senior Care Archives - Clark Howard Why Clark Howard Wants You to Set Up a 'Financial Chromebook' 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

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