The Clark Howard Podcast

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

There’s a new twist on grocery vs restaurant inflation. Clark helps you stretch your food dollars given what’s happening now. Also today, Clark offers a savings strategy free of bank worries, that is both secure and can yield more interest on your parked cash. Plus a NEVER EVER Rule on buying CDs. Supermarket vs Restaurant Inflation: Segment 1 Ask Clark: Segment 2 A SAVINGS Twofer: Segment 3 Ask Clark: Segment 4 Mentioned on the show Restaurant prices are rising faster than grocery prices for the first time since inflation ran hot What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? SSA.GOV -Benefit Reduction for Early Retirement WSJ - Why Brokerage Accounts Are So Generous Now - The Wall Street Journal. What Is a CD and Should You Open One? What Is a CD Ladder and When Is It a Good Idea? Betterment Review: How It Works, Pros & Cons Wealthfront Review: How It Works, Pros & Cons Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Should I Borrow Money To Pay for a Wedding? How To Open a Roth IRA Balanced Fund: Definition, Investment Mix, Examples What Are 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

Many remain unsettled about the stock market rollercoaster we’ve been on lately. Clark illustrates basic investment principles with a simple calculation that should calm your fears and enhance your understanding of WHY you ride it out long term. And - where to NEVER EVER place your Roth IRA. Also today - you likely have many digital accounts. Know how to ensure your loved ones have access when the need arises. Investing For The Long Term Win: Segment 1 Ask Clark: Segment 2 Digital Account Access: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here’s how much money you'd have if you invested $1,000 in the S&P 500 a decade ago Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? What Is an ETF? / How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Fidelity and State Street Push to Make 401(k)s More Like Pensions - The Wall Street Journal. 2 Ways To Guarantee Yourself a Lifetime Stream of Income 6 Things To Know Before Contacting the National Foundation for Credit Counseling Actually, Charging Your Phone in a Public USB Port Is Fine THE WSJ: Before You Die, Secure Your Digital Life Clark.com How To Make Your Online Accounts Accessible When You Die Facebook Settlement: How to Claim Part of a $725M Privacy Settlement Facebook Settlement Submission Claim Proton Mail — Get a private, secure, and encrypted email 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, most Americans think their children are going to be worse off than they are. Clark discusses what’s behind this “recency bias” and gives a counterpoint to the pervading sense that our best days are behind us. Why is Clark optimistic? Clark Stinks: Segments 1 & 2 Reason For Optimism: America’s Future: Segment 3 Ask Clark: Segment 4 Mentioned on the show 25+ Places That Offer Discounts to U.S. Veterans Military and Veterans Guide: Free resources for getting your finances in order Betterment Cash Reserve | High-yield cash account Where To Buy the Best Cheap Printer WSJ: Most Americans Doubt Their Children Will Be Better Off, WSJ-NORC Poll Finds Millennial Money: Can therapy help make you richer? America Is Back in the Factory Business Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity Valley.com Transfer FAQs 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

New federal rules on mortgage fees - known as loan level price adjustments - have a lot of people hot under the collar. This affects people in different ways depending on credit score and down payment. Clark explains what’s going on and those most affected. Also - Summer approaches, and skin cancer rates dictate protecting your skin. You can also protect your wallet because the best sunscreens are not necessarily the most expensive. And then there’s the chemical vs mineral block sunscreen debate…. New Mortgage Lending Fees: Segment 1 Ask Clark: Segment 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show Mortgage fees are changing for homebuyers next month. Here's what you should know. NYPost - How the US is subsidizing high-risk homebuyers — at the cost of those with good credit Is There Really a New, Unfair Mortgage Tax on Those With High Credit? Mortgages Archives - Clark Howard What Are the Benefits of an Assumable Mortgage? Should You Buy Out Your Leased Car? Consumer Reports’ best sunscreen of 2023 is only $5 from Walmart (Skin cancer is the most common cancer in the United States.) Certified Pre-Owned Vehicles: What You Need to Know Before You Buy 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 new travel info including Spirit’s StatusMatch promotion and news on last minute fares. Also in this episode, the plague of customer NO service has only gotten worse. Clark offers strategies, including a NEVER NEVER rule about what NOT to say. Air Travel Info: Segment 1 Ask Clark: Segment 2 Customer No Service: Segment 3 Ask Clark: Segment 4 Mentioned on the show Spirit Airlines will now match loyalty status on other airlines New Report: Top 5 Cheapest Airlines for Last-Minute Domestic Flights Should You Use Credit Card Portals to Book Travel? Upgraded Points Data Study Reveals Most Affordable Airlines for Last-Minute Ticket Purchases on Most Popular Domestic Flights Dollar Flight Club | Cheap Flights - International & Domestic Where Should I Look for a Great Deal on a Cruise in 2023? Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? The Only Way You Should Pay for a Cruise As Customer Problems Hit a Record High, More People Seek ‘Revenge’ [The Washington Post] Vanishing phone customer support is driving us all insane Customer No Service - Clark Howard Community BBB-File a Complaint Submit a complaint | Consumer Financial Protection Bureau 7 Things To Know About Costco Pharmacy 10 Ways To Save on Prescription Drugs Mark Cuban Cost Plus Drugs New to volunteering? A How-To-Guide to find the right fit 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

What to know about Apple’s new savings account offer. Plus, a cautionary note about companies promoting high savings rates that only amount to promissory notes because they’re NOT insured. Learn what to look out for to protect your hard earned savings. Also today, the wait is over. Finally a new rule on medical debt kicks in that could kick up your credit score. Apple Savings Offer: Segment 1 Ask Clark: Segment 2 Medical Debt Law Now In Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Apple Makes the iPhone a Home for Savings Accounts Clark.com: Apple Is Now Offering 4.15% APR Savings Accounts: Is There a Catch? This Start-Up Promises Rates 13 Times Higher Than a Typical Savings Account. One Problem: It Isn’t a Bank Deposit Insurance - FDIC / Are Credit Union Deposits Insured Up To $250,000? Fidelity Youth Account frequently asked questions (FAQs) CarMax Review: 5 Things To Know Before You Buy or Sell [The Washington Post] Finally, medical debt under $500 has been removed from credit reports What is a “surprise medical bill” and what should I know about the No Surprises Act? 3 Ways To Get a Free VIN Check Before Buying a Used Car How To Spot a Puppy Scam Online 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 the biggest financial decisions in life is the purchase of a home. Clark has warnings about 2 trends that can be perilous in the long run for home buyers. Also on today’s episode, the recent shuttering of David’s Bridal stores points to a bigger concern: How to handle making an advance deposit on a future purchase. Clark has an important “NEVER NEVER NEVER NOT EVER” rule, to protect your money. 2 Mortgage Warnings: Segment 1 Ask Clark: Segment 2 Advance Deposit Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show Feds expand 40-year mortgage eligibility. Experts say it could lead to more. NYT - Retired and Buying a Starter Home. It’s Forever. Banks Are Closing Customer Accounts, With Little Explanation How Many Credit Cards Should I Have? Capital One now rejecting transactions from Affirm, Afterpay and more WSJ: David’s Bridal Will Close All Stores in Chapter 11 Unless Buyer Emerges Do Not Give Your Social Security Number at These Places NYT - Shifting Norms on Tattoos in Japan Clark.com - Streaming TV - Live TV Streaming Channel Tool 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, throughout history, older generations have maligned youth, and Gen Z - ages 11 to 26 - has received their share of criticism. So why are they the best at saving for retirement in human history? There’s a behavioral finance reason at work here…. Clark Stinks: Segments 1 & 2 Gen Z Acing Saving: Segment 3 Ask Clark: Segment 4 Mentioned on the show Scams & Rip-Offs Archives - Clark Howard What Is a Flexible Spending Account? CR RECOMMENDED Clark Deals - Today's Best Deals of the Day Is Apple Pay a Safe Alternative to Zelle? The Safer Way To Use Your Debit Card Do Not Give Your Social Security Number at These Places Barrons.com: Gen Z Is Saving More for Retirement Than Previous Generations. Here’s Why Auto Enrollment Plan Definition How To Buy Term Life Insurance in 7 Easy Steps Car Insurance Archives - Clark Howard Becoming a Landlord: How To Find a Good Tenant 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

Consumer goods manufacturers are using a targeted strategy to rip off consumers with vaunted versions of self-care and home products, boasting massive profit margins on their so-called premium lines. Don’t fall for this marketing scheme. Also, after shameless industry cartel gouging forever, OTC FDA approved free market hearing aids are finally available at significantly lower prices - and some are getting great reviews. Manufacturer Mind Games: Segment 1 Ask Clark: Segment 2 Hearing Aid Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show $90 cream and $10 toothpaste: Companies target big spenders HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Should You Buy Cell Phone Insurance? The Best Places To Buy Hearing Aids 7 Best Over-the-Counter (OTC) Hearing Aids of 2023 Use these security keys to lock down your computer and protect your personal info The Strongest Protection for Your Online Accounts? This Little Key Community.Clark.com 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

There’s a strange way people are violating others’ privacy on payment apps. Clark tells you the vulnerability, and what you can do about it, depending on the app. Also, the housing market remains in a kind of freeze. But new national data reveals a general trend potential home buyers can take advantage of. Payment App Violation: Segment 1 Ask Clark: Segment 2 Seasonal Home Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - Don’t Forget to Block Your Ex on Your Payment Apps Mobile Passport Control TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? Emergency Fund: Everything You Need to Know When Is The Best Time to Buy a House? NYTimes.com: Buying or Selling a Home? Welcome to the Year of Disappointment USDA Eligibility / Single Family Housing Guaranteed Loan Program 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

The US spends 20% of our national income on healthcare vs. 8% in other countries.. Our system is rife with inefficiencies. Clark touches on 3 areas: Amazon One Medical, the primary care physician shortage and insurance issues you should be aware of. Also, the FBI has issued an alert about charging devices in public spaces. Know the risk and how to avoid it. Healthcare Updates: Segment 1 Ask Clark: Segment 2 FBI Alert: Public Charging Stations: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things to Know about Amazon’s Recent One Medical Acquisition The big squeeze: ACA health insurance has lots of customers, small networks [The Washington Post] Making a telehealth appointment? You might still pay a facility fee. First Aid Kit Consider paying cash (at least sometimes) How Cigna Saves Millions by Having Its Doctors Reject Claims Without Reading Them Are Swimming Pools Becoming Affordable Again? FBI warns consumers not to use public phone charging stations 5 Sneaky Ways To Improve Your Credit Score When Is the Best Time To Collect Social Security? Maximize My Social Security: Calculate Your Highest Benefits The Best Places To Buy Tires 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

Tomorrow is tax day. What if you can't pay what you owe right now? Understand the penalties: Failure to pay vs failure to file. AND - be aware of tax scams. Also in this episode, the banking industry is going through a troubled phase, making it a difficult time for customers. Banks are closing accounts with no warning, making Clark’s “Noah’s Ark Rule” more important than ever. Tax Day-Failure To File: Segment 1 Ask Clark: Segment 2 Banks Shutting Down Accounts: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] If you owe the IRS and can’t pay, this is what you should and shouldn’t do No, the IRS isn't calling you. It isn't texting or emailing you, either [The Washington Post] Don’t get tricked by these ‘Dirty Dozen’ tax scams 5 Tax Scams You Need To Watch Out for in 2023 Why You Do Not Want To Get a Big Tax Refund Check Automatic Bill Pay: How It Works and How To Do It Safely What Is a Fiduciary Financial Advisor and Do I Need One? NYTimes: Banks Are Closing Customer Accounts, With Little Explanation Credit Union Small-Dollar Loan Volume Hit New High in 2022 Credit Union vs. Bank: What's the Difference? How Many Credit Cards Should I Have? MyMoneyBlog About the FedNow Service 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - A shortage of planes, a shortage of pilots, supply and demand - airfares are up around 20%. But there are ways to save including how far out from travel you book, and which days are cheaper to fly. Learn new ways to save money on flights. Clark Stinks: Segments 1 & 2 Air Travel Saving Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Thrift Savings Plan? What Is a 403(b) and How Does It Work? What Is an HSA Account and How Does It Work? Where To Buy the Best Cheap Printer New Feature From Google Flights Will Help Ensure That You Don’t Overpay Google Wants You to Never Overpay for a Flight Again CNET - The Best Time to Buy Plane Tickets for the Cheapest Flights [The Washington Post] This cheap flights expert thinks you should be booking trips earlier Going™ | Formerly Scott's Cheap Flights Travel Archives - Clark Howard Best Travel Credit Cards: Top Rewards Picks for 2023 Airline admits staff gets bonus when they charge for oversized luggage 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

Clark has warned against commissioned insurance products including fixed, variable and/or universal life; annuities, and annuities disguised under different names. Someone selling on commission is NOT a fiduciary, but some self-described fiduciaries are using a loophole to do just that. Clark explains what to look out for when choosing a financial planner. Also, we’re going through a clear job rotation in the U.S. New data reveals distinct geographical indicators of the top job growth metros in the country, and the effect that has on housing affordability. WARNING - Fiduciary Duplicity: Segment 1 Ask Clark: Segment 2 Top Job Growth Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show What Is a Financial Advisor and Do I Need One? 2 Ways To Guarantee Yourself a Lifetime Stream of Income Introduction To Money Market Mutual Funds What are money market funds? Digitone ProSeries Call Blocker Product Information Sunbelt Cities Nashville and Austin Are Nation’s Hottest Job Markets When Does a HELOC Make Sense in Your Life? 7 Places to Get the Best Deals on Lab-Created Diamonds 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

Something new & customer friendly from Amazon is a win win. On the other hand, with online retail, know there’s really no such thing as free shipping. Also in this episode, new reporting states that without a fix from Congress, Social Security will be running short in a decade. Has this altered Clark’s advice on what age it’s best to start taking the benefit? Amazon Return Prevention: Segment 1 Ask Clark: Segment 2 Social Security Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Habitat for Humanity: History - Clark Howard Amazon starts flagging ‘frequently returned’ products that you maybe shouldn’t buy Amazon, other retailers revamp 'free' shipping as costs soar How To Freeze Your Credit With Experian, Equifax and TransUnion 11 Tips to Keep Your Cell Phone Safe Axios: Charted: Rising home insurance Why You Should Update Your Homeowners Coverage Limits Every 3 Years Attention, Travelers: Now Is the Best Time to Switch to eSIM What Is an eSIM? 5 Things To Know Visible Review: 5 Things To Know Before You Sign Up Will Social Security Run Out? Social Security is now expected to run short of cash by 2033 Barrons.com: Why It Makes Sense to Wait for Social Security Even if Benefits Are Cut When Is the Best Time To Collect Social Security? AARP Social Security Calculator Maximize My Social Security: Calculate Your Highest Benefits Homeowners Insurance Archives - 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

One of the main ways you empower yourself with money is to owe less. Americans are taking on more and more credit card debt now for lifestyle, and over 40% of card holders are just servicing the debt. Learn Clark smart ways to start digging out. Also, AI is in the news constantly. Artificial Intelligence will open up so many new ways of doing things, but there are major concerns and dire predictions. Clark lends historical perspective on how tech changes the nature of work. Reducing Debt: Segment 1 Ask Clark: Segment 2 AI Perspective: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] 7 ways to lower your credit card debt after the Fed rate hike New York Post : I was $70K in debt — now I'm 'cash stuffing' to become a millionaire Half of US Employees Earn Extra Cash on the Side, Survey Finds How To Get Out of Debt in 7 Steps / Debt Archives - Clark Howard Backdoor Roth IRA: Advantages and Tax Implications Explained Ask Clark: What Is a Backdoor Roth IRA? SquareUp.com / Best money transfer apps 300 million jobs could be affected by latest wave of AI, says Goldman Sachs Elon Musk and Others Call for Pause on A.I., Citing ‘Profound Risks to Society’ The FTC should investigate OpenAI and block GPT over ‘deceptive’ behavior, AI policy group claims Clark Howard's #1 Rule To Avoid Email Scams How To Recognize and Report Spam Text Messages Why You Should Never Click on Random Text Messages 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

With savings rates up and I Bond rates headed down, Clark clears confusion on whether it’s time to buy or sell Series I Savings Bonds. Also, the scales are starting to “tip” when it comes to gratuities. Being confronted with the tip option touchscreen guilt machine is hitting critical mass. Hear how Clark handles this. I Bond Update: Segment 1 Ask Clark: Segment 2 The Ubiquitous Tipping Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things To Know About Series I Savings Bonds / SavingsBonds.gov Why This Is the Best Time To Buy Series I Savings Bonds I Bonds rates in 2023 could be better now than in May Small Banks Are Losing to Big Banks. Their Customers Are About to Feel It. HumbleDollar: Home / Investopedia Academy Schwab - Your U.S. Investing Education Center Vanguard - Education / Fidelity Learning Center Clark.com Investing & Retirement Target Date Funds: Clark's Favorite Retirement Investment IRS - Charities and their Volunteers Can You Deduct Expenses of Volunteering for Charity? 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

For many sports events, fields are actually spray painted to make them look beautiful, which has led to lawn painting, especially where water is restricted and costly. How some homeowners, including Clark - are saving water by altering their lawns. Also, It’s not uncommon for people to pull their investments out of the market when it trends downward. Right now with economic uncertainty, people are rotating out of stocks in favor of savings, planning to return to the market when it’s “safe”. What are they missing? Plenty. How Clark handles investing. Lawns & Water Savings: Segment 1 Ask Clark: Segment 2 Steady Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show Do Your Neighbors Paint Their Lawns Green? Increasingly, Yes FuelEconomy.gov Welcome to Bluebird Individual Investors Pile Into Cash, Chasing Higher Returns - The Wall Street Journal. NYTimes.com: A Question About Your Money: Has Anything Truly Changed This Week? [The Washington Post] Four money rules when financial news is making you nervous Should You Sell or Stay Put in the Stock Market? Dollar Cost Averaging Makes You a Fortune Over Time How To Save and Invest the Clark Howard Way How to Freeze Your Child's Credit A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, scammers steal billions of dollars from Americans each year. Clark shares the FTC’s annual summary of top scams, and has a simple rule for avoiding the number 1 scam on the list. Clark Stinks: Segments 1 & 2 Top Scams & Fraud Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show 6 Tips for Hiring a Contractor Apple Screen Time Passcode NCUA - National Credit Union Administration CUNA: Credit Union National Association 5 Discount Airlines You Need To Know About Scams Cost Consumers $8.8 Billion in 2022 — The Top Five Frauds FBI says $10 billion lost to online fraud in 2022 as crypto investment scams surged Clark.com - Most Common Financial Scams and How To Avoid Them 5 Best Ways To Send Money Online Is a Costco Executive Membership Worth It? Get a new Sam's Club membership for $25 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

Millions of workers are leaving open retirement accounts with thousands of dollars sitting ignored or forgotten. If you’ve changed employers over the years, Clark’s has an assignment for you to make sure you get ALL your retirement money! Also in this episode, Amazon has announced their internet service to compete with Starlink. Who wins with the additional options we will have? The consumer! Neglected Retirement Accounts: Segment 1 Ask Clark: Segment 2 Amazon Satellite Internet: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYTimes.com: Set It and Actually Forget It Clark.com - How To Find Missing or Lost Retirement Accounts How To Find and Claim Missing Money in Your Name How To Open a Roth IRA State Farm® and Ting can help protect your family from electrical fires Cord Cutters News: Amazon’s New Home Internet Service Announces New Details T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Wells Fargo Active Cash® Card Review: Unlimited 2% Cash Back Credit Card Clark Deals - Today's Best Deals of the Day 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

For parents who want to keep their kids safe, an SUV is often a popular choice. If you’re considering buying an SUV, Clark has a new report from the Insurance Institute for Highway Safety you need to hear first. Also, several states are suing a retailer for overcharging at check-out - a symptom of a systemic problem. Clark has some ways to help you eagle eye your check out prices, and protect your wallet! SUV Safety: Segment 1 Ask Clark: Segment 2 Beware Retail Pricing Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show Ford's Mustang Mach-E scores highest in crash safety test among 13 midsize SUVs - from Detroit Free Press IIHS.org Back-seat safety lags in midsize SUVs Turo: 5 Things To Know About the Cheap Car Rental Service Roth vs. Traditional 401(k): What's the Difference? At Dollar General, a Staple for Many, a Record of Overcharging IRS Payment Plans Installment Agreements 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

Regardless of what happens with economic cycles, there are clear patterns in the job market that spell OPPORTUNITY - if your aptitude matches the need. Clark points the way to jobs that pay, with and without a college degree. Also, we all pay for heavy losses inflicted by shoplifting rings, and now the cost of shoplifting can feel like more punishment, as retailers use various tactics to fight back. Prepare For Jobs That Pay: Segment 1 Ask Clark: Segment 2 Retail Vs Shoplifting Rings: Segment 3 Ask Clark: Segment 4 Mentioned on the show Report: Top 10 Colleges Whose Graduates Earn the Most 100 colleges whose grads go on to earn the most America Is Trying to Electrify. There Aren’t Enough Electricians. What Is Non-Owner Car Insurance And Who Needs It? - Forbes Public Service Loan Forgiveness (PSLF) - Federal Student Aid 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul WSJ - Shoplifting Climbs as In-Store Shopping Returns What Is Long-Term Care Insurance Cost & Coverage 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

Travel planning season is here and Clark has good info spanning: airfares and when to travel to get the best prices, Airbnb & VRBO issues, hotel booking and more - so you know before you go. Also - Nobody ever got rich paying Visa or MasterCard 19% interest (or more). Clark addresses discretionary spending that undermines your immediate and distant future. Practices and cognitive biases that get us in financial trouble include impulse buying with borrowed money, and only paying credit card minimums. Why you should make FOMO & YOLO a NO Go and Pay in 4 no more. Summer Travel Planning: Segment 1 Ask Clark: Segment 2 You Money Mentality: Segment 3 Ask Clark: Segment 4 Mentioned on the show Travel Archives - Clark Howard 5 Discount Airlines You Need To Know About 5 Steps To Getting a Good Deal on a Hotel Room InsureMyTrip Review: Why We Like It and How to Use It Why we usually can't tell when a review is fake NYTimes: Help! I Canceled My Rental Because of a Wildfire. My Contract Says No Refund. Is That Fair? Frontier Airlines admits it pays staff a $10 BONUS every time they charge customers extra for oversized luggage - even when their bags aren't too big! How To Dispute a Charge on Your Credit Card BBB-File a Complaint Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Best Travel Credit Cards: Top Rewards Picks for 2023 NYTimes.com: When It Comes to Money, Your Brain Can Be Your Own Worst Enemy Which Home Security Systems Rank Better Than Ring? / Wyze Security Cams Where Can You Get Some of the Best Deals on Homes Right Now? The New Construction Market. - The WSJ. The One Place You Can Still Get a 3% Home Loan: Your Family What's the Gift Tax Exclusion for 2023? - Kiplinger 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

Friday - Clark Stinks day! A chance for Clark to learn from you. Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Lump sum spring contributions to an IRA for the prior year are not uncommon, and are right for some earners. But that’s the exception - not the rule. Know the most advantageous way to fund your IRA. Clark Stinks: Segments 1 & 2 When To Fund Your IRA: Segment 3 Ask Clark: Segment 4 Mentioned on the show NCUA - National Credit Union Administration CUNA: Credit Union National Association You Can Roll Your 529 Plan To A Roth IRA Beginning In 2024 Buying Gas From a Station on This List Is Better for Your Car 12 Things You Never Knew You Could Get From Your Local Library Matching Contributions 101: How to Maximize Your Retirement Savings Now Retirement Savings Contributions Savers Credit - IRS NYTimes.com: Why Investing at the Last Moment Can Hurt Your Returns Where To Buy the Best Cheap Printer How To Dispute a Charge on Your 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

Panic has turned to confusion in the wake of the SVB failure. Clark summarizes how we got here, how it differs from 15 years ago, and how the moral hazard in the system should be fixed. Clark breaks it down to 2 key points, and what individuals and businesses with funds greater than the quarter million FDIC limit should do going forward to secure their funds. Also, Clark tells you what’s behind the big streaming service increases and your alternatives. With market changes come new opportunities. If you’re willing to adapt and experiment you can save so much money - with more content than you can watch. Bank Failure Update: Segment 1 Ask Clark: Segment 2 SAVE on Streaming TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Midmarket Firms Re-Evaluate Regional Bank Risk Following Crisis NYTimes.com: Two Big Ideas for Preventing Another Banking Crisis Experts, banks look for ideas to stop next bank failure The forgotten rescue plan that could prevent another SVB-like collapse Fed to Consider Tougher Rules for Midsize Banks After SVB, Signature Failures - WSJ. SVB is the first social media bank run in history. Banks Trade Relief Now for Regulation Later - The Wall Street Journal. Yellen Says U.S. Ready to Protect Smaller Banks if Necessary Certificate of Deposit Account Registry Service CDARS How To Open a Roth IRA Custodial Roth IRA: How And Why To Start A Roth IRA For Kids Turbocharge your child's retirement with a Roth IRA for Kids Clark.com: YouTube TV Raises Monthly Rate for First Time Since 2020 Clark.com: 5 Cheaper Streaming Alternatives to YouTube TV Best Free Streaming Services in 2023: Movies and TV for Cord Cutters Clark.com - STREAMING TV 4 Things To Know Before You Buy a Digital TV Antenna Submit a complaint | Consumer Financial Protection Bureau Automatic Bill Pay: How It Works and How To Do It Safely 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

With full employment and increased turnover happening concurrently, burnout, layoffs and “revenge videos” from ex-employees, it’s a confusing time in the job market. Survey says 80% of those who participated in the great resignation now regret it and are heading back to work. Know the key professional strategies for both finding and leaving a job. Also in this episode, Clark updates his answer to the ongoing question - “is it time to buy an electric vehicle”... with some news from Tesla that for some, may change the equation. Finding And Leaving A Job-Best Practices: Segment 1 Ask Clark: Segment 2 The Tesla Model 3: Segment 3 Ask Clark: Segment 4 Mentioned on the show Your essential guide to thriving through a layoff Why so many who took part in the Great Resignation have regrets Stressed about potential layoffs? You should practice ‘career cushioning’ How Much Should Your 401(k) Account Cost You All-In? Top 10 Small Business 401(k) Plan Providers - Investopedia How To Open a Roth IRA Learn More About the AARP Fraud Watch Network State Elder Abuse Statutes | EJI - Department of Justice Edmunds: The most affordable EVs for 2023 Tesla’s price war on electric-vehicle and traditional automakers alike. 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