The Clark Howard Podcast

Transformational shifts are underway in how we buy and own homes.. There’s a home improvement boom in progress around the country, but timing is everything. Get Clark smart about when to renovate and how to choose a contractor. And - Now hear this! The average price of hearing aids in the U.S. is around $2700, compared to $200 in the rest of the world. The long awaited end of this pricing cartel will bring both opportunity and some pitfalls over the next few weeks. Home Renovation: Segment 1 Ask Clark: Segment 2 The Arrival of OTC Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Tips for Hiring a Contractor Leaving an apartment? Here's how to avoid those move-out charges Hearing Aids Will Soon Be Sold Over The Counter Follow these 5 steps to prevent a hotel bed bug attack Major Tax-Reporting Change for Users of Venmo, PayPal and Others 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 airline industry has been a mess, stretched thin by labor shortages as the travel industry rebounds. Thanks to DOT and public pressure, for the first time in 40 years passengers have a clear guide to their rights when flights are canceled or delayed. Clark walks you through the new DOT - Airline Customer Service Dashboard and what YOU need to do when grounded. Also, a worker warning: Why you need to be cautious when an employer offers you any kind of internal training. DOT Airline Dashboard: Segment 1 Ask Clark: Segment 2 Training Repayment Agreements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What America’s 10 Largest Airlines Offer if Your Flight Is Canceled or Delayed Google Flights File a Consumer Complaint - Department of Transportation Air Travel Complaints | US Department of Transportation Online travel itinerary and trip planner - TripIt Lemonade Insurance Review: How It Works, Coverage Options Best Renters Insurance Companies and Ones To Avoid Clark's National Travel Deals 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

Rents have increased dramatically in a short period of time, the biggest rise since the aftermath of WWII. Clark explains how we got here today and the idea of rent control, plus, some good news on the rental front. Also - Is renting out your car on a peer-to-peer platform to make extra money a good idea? Clark breaks down the pros and cons. The Rental Housing Outlook: Segment 1 Ask Clark: Segment 2 Peer-To-Peer Car Rental: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AAA Membership: Is It Worth It? Costco Travel: 5 Things To Know Before You Book How To Use 'Vacations To Go' To Find Bargain Cruises Travel Insurance? What You Need To Know Before You Buy CNET - How to Make Extra Money by Renting Out Your Car Online Peer-to-peer car sharing: A potentially risky side gig Turo: 5 Things To Know About the Cheap Car Rental Service AutoSlash Review: How To Save on a Rental Car Cheapest Way to Rent a Car: Expert Tips No Surprises Act - CMS Your health insurance says, ‘Claim denied.’ How to fight back Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Clark.com - CELL PHONES 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 - Recent stock market volatility has many worried about their retirement. In the short term, markets go through downturns - as they should. Clark addresses these concerns based on the long term play and your proximity to retirement. Clark Stinks: Segments 1 & 2 Market Fears-Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The $10 Travel Essential Clark Howard Always Packs Fidelity Investments Review 2022: Pros & Cons How To Save and Invest the Clark Howard Way 5 Biggest Financial Risks in Retirement Investing & Retirement Archives - Clark Howard How to book travel on Priceline Clark's Secret to Finding the Best Priceline and Hotwire Hotel Deals 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

School is in session and many teens worry about having enough extracurriculars on their activities resume. But there's another very important route for students that should be top of mind. Also, learn why people are rediscovering gyms now and some guidelines for selecting the right gym for you. For Students: A Key Extracurricular: Segment 1 Ask Clark: Segment 2 Selecting A GYM: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds USHIP - Shippers, meet Carriers, Carriers, Meet Shippers How To Dispute an Error on Your Credit Report and Win Submit a complaint | Consumer Financial Protection Bureau CNET - How to Get a Gym Membership for Practically Free 5 Ways to Create a Cheap Home Gym Debt Archives - Clark Howard 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Why You Might Be Paying Your Credit Card Bills All Wrong 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 shares a personal story concerning something every parent worries about - their teenager having a car accident. Also - with mortgage rates rising, there‘s an old tried & true strategy many Americans are unaware of - that could save big bucks on interest: the assumable, non-escalating mortgage. Teen Drivers & Accident Ethics: Segment 1 Ask Clark: Segment 2 Mortgage Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Want a Lower Mortgage Rate? Take Someone Else’s Loan Clark's take: Why everyone should have a dash cam Is a Home Warranty Worth the Money? How can you find the best mortgage rates? 22 Places That Offer Discounts to U.S. Veterans Save More on Green Home Improvements Under the Inflation Reduction Act The cash incentives in the climate bill are only good if people actually use them Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? 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

Retailers have been fighting from behind since March 2020. Suddenly supply chains are moving and stores have goods aplenty. In a time of inflation - we have never seen before deals in many categories this September. Clark calls out the buys for early holiday shopping. Also, Federal student loan forgiveness - what eligible student and parent borrowers need to know about how the program will work - and how the scams play. Christmas in September: Segment 1 Ask Clark: Segment 2 Student Loan Forgiveness: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Vanguard Account Fees Will Increase Costs for Some of Its Most Loyal Customers Fidelity Investments Review 2022: Pros & Cons Warning: Never Get Roadside Assistance From Your Insurance Provider Password manager LastPass reports breach, says no credentials stolen Explainer: How Biden's student loan forgiveness will impact U.S. consumers Student Loan Forgiveness Plan Won’t Make Inflation Worse—Even If It Adds $400 Billion To Deficit, Goldman Says Did you hear about the student loan announcements? Scammers did, too How To Watch Football Without Cable: Stream NFL and College Football (2022) Term Life vs. Whole Life Insurance: Understanding the Difference EvaluateLifeInsurance.org Term Life vs. Whole Life Insurance: Understanding the Difference What Is an Annuity, and Why Does Clark Think They Stink? 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, this year Clark recommends extra early holiday travel planning AND early shopping and shipping. Know when to expect shipping hikes and the bargain months for online shopping & delivery. Clark Stinks: Segments 1 & 2 Holiday Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: USPS says it's hiking prices for holiday shipping - CBS News What Is a Reverse Mortgage and How Does It Work? TSA PreCheck vs. Global Entry vs. CLEAR: Which Is Best for You? Pirate Ship: Free USPS and UPS shipping software AAA Membership: Is It Worth It? 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

After a chaotic summer, the outlook for fall travel looks better on every front. September is your cue to start planning holiday travel this year. Get Clark smart advice on how & when to book, avoiding the 4 most expensive travel days, and whether you need travel insurance. Also, Labor Day signals a good time to update job market trends. Clark discusses “unlimited vacation” & taking time off, as well as great part-time opportunities for retirees - and an employee tactic that is NOT recommended. Holiday Travel: Segment 1 Ask Clark: Segment 2 Job Trends: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Book Holiday Travel Now What Is Travel Insurance? 7 Things You Need To Know How Many Credit Cards Should I Have? Clark Howard: Books - Clark Howard YouTube: Clark Howard: Save More, Spend Less How to Start Saving and Investing with Clark's Best Advice ClarkDeals - Laptops 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

Text message scams keep coming and keep morphing. Know what the latest barrage looks like - deploying new ways to hook you into getting ripped off. Also, high mortgage rates can be avoided when conditions are right for a family member to make the loan. Learn how to lend to loved ones without the tax consequences. New Text Message Scams: Segment 1 Ask Clark: Segment 2 Family Loans & Taxes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Click on Random Text Messages Don’t click on that random text. It’s a scam Managed Payout Funds vs. Annuities: How Do They Compare? Best Rewards Credit Cards: Top Picks for 2022 The One Place You Can Still Get a 3% Home Loan: Your Family Frequently Asked Questions on Gift Taxes Applicable Federal Rates - Internal Revenue Service Should You Buy Out Your Leased Car? 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

People are being hoodwinked by paid influencers on social media. Clark shares how this often works with podcasting, unbeknownst to you, the listener. Also, Amazon Prime has a new option for payment that gets Clark’s seal of approval - part of a trend of added perks for retail memberships. Undisclosed: Podcast Influencers: Segment 1 Ask Clark: Segment 2 Amazon Prime Layaway: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best time and place to buy appliances A Simple Way To Help Your Kid Build Credit Amazon Layaway: A New Perk of Amazon Prime Amazon -Get Same-Day Delivery from your favorite retail stores Walmart deal with Paramount gives members streaming perks How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Do Not Give Your Social Security Number at These Places 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

Saving money on streaming TV is an area of expertise at Clark.com. Clark has industry news explaining the current streaming landscape AND a new FREE Channel tool! You may be shocked to find out what free TV is available where you live. Also - Thinking of selling your home? The housing market has definitely slowed past the peak of the market. So it’s back to the normal playbook - the Clark smart way. Streaming And Free TV: Segment 1 Ask Clark: Segment 2 Home Seller Adaptation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Housing markets are cooling so fast that they've caught some of the biggest buyers off guard These 2 Things Can Maximize Your Chances of Selling Your House Home Sellers Cut Prices as Housing Market Cools - The Wall Street Journal. How Many TV Channels Can You Actually Get for Free? Disney+ is getting more expensive... unless you want ads The Free TV Project Clark.com Live TV Streaming Channel Tool Netflix on Us: We Offer this Streaming Deal with Your Plan Mint Mobile Review: 5 Things To Know Before You Sign Up Mint Mobile Introduces Modern Family Plans 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, overlooked and extremely important, including for college students, is renter’s insurance. Clark tells you how to get it for a DEAL. Plus, important advice on condo insurance. Clark Stinks: Segments 1 & 2 Renters Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Career Tests Our Top 10 | Monster.com Swagbucks Review: How Much Money Can You Make? Heat Pump Systems | Department of Energy Lemonade Insurance Review: How It Works, Coverage Options Best Credit Cards for Students: Top Picks for 2022 ABLE accounts: A tax-free way for parents of disabled kids to save for the future 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 big banks persist in paying no real interest on savings. Meanwhile Clark just got 3.3% on a CD from his credit union. Several money market & online savings accounts are paying over 2%. Don’t let inertia be your enemy. Move that money. Also - what destroyed Sprint is a big lesson for companies tracking and ranking their employees. Workers should know - across industries and with the rise of remote work, comes increased use by companies of the “productivity score”. Savings Rates: Segment 1 Ask Clark: Segment 2 Worker Productivity Scores: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Schwab Purchased Money Funds 5 Things To Know About Series I Savings Bonds 7 of the Best High-Yield Online Savings Accounts in 2022 Equifax Sent Lenders Inaccurate Credit Scores on Millions of Consumers - Wall Street Journal. Who owns your credit score? Not you Credit Karma Review: Free Credit Score and More at Your Fingertips Fidelity Investments Review 2022: Pros & Cons How to Start Investing and Saving for Retirement 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

Market forces have increased supermarket costs by 13% over the past year, while restaurant price increases have gone up roughly half that. Clark shares how it can actually be more cost effective to eat out at times. Also, there’s been public backlash against airlines shrinking seat size and now there’s an FAA comment period as to whether they should regulate how much space passengers get. Clark weighs in, factoring in designer safety & comfort innovations. Food Inflation-Supermarkets vs. Restaurants: Segment 1 Ask Clark: Segment 2 Airline Seat Size & Innovation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: Southwest and Other Airlines Try Something New: Giving Passengers What They Want When Do You Need a Travel Agent? Here's How Easy DIY Pest Control Can Be Pest control Archives - Clark Howard 7 of the Best Free and Cheap Resume Builders Longevity Insurance: What Is It and Do You Need It? How To Minimize the Damage of Unpaid Bills to Your Credit Score 12 Things You Never Knew You Could Get From Your Local Library How To Save Money: 35 Ways To Reduce Expenses 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

Reported this year - tragic loss of life due to hotel carbon monoxide poisoning. Clark has a new safety device every traveler should consider. Plus a way to avoid a massive home insurance claim. And - Find out the “mandatory option” that has sent the automotive press into outrage at GM. 2 Important Alert Devices: Segment 1 Ask Clark: Segment 2 GM Outrage: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Wirecutter: Water Leaks Destroy Homes. These Smart Gadgets Can Save Yours. How To Pack a Carry-On the Right Way More Airlines Are Losing Luggage. AirTags and Tile Trackers Can Help. The Best Places To Buy Eyeglasses 4 Things To Know Before You Buy Glasses From Costco Optical Should You Buy Out Your Leased Car? 3 Things To Consider Before You Get Solar Panels 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

New meds are the most expensive ever. 8 of 13 new drugs cost over $200K per year! Clark explains how the big pharma game is played, generic vs “defensive” combo drugs & shares his workarounds for saving. Also - what we pay for cell service can make a big difference in our finances and today there are many ways to reduce cost without compromising service. Clark has great news for your wallet from 2 different cell phone brands - Verizon’s Visible and Boost Mobile. Rx Savings Strategy: Segment 1 Ask Clark: Segment 2 2 Cell Plan Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Things To Know About Costco Pharmacy - Prescription Drugs Mark Cuban pharmacy Cost Plus Drugs - CNBC - Cost Plus Drugs Best Free Password Managers: 7 Top Picks How to Pass on Your Passwords When You Die - The Wall Street Journal. Visible Review: 5 Things To Know Before You Sign Up Visible Wireless: Price Drop and New Premium Plan Visible Unlimited Phone Plans | No Annual Contract Boost Mobile Introduces New $25 Monthly Unlimited Plan -BOOST - Unlimited Data $25/mo. Best Cell Phone Plans in 2022: Deals for Every Budget Get the Best Value Apple Watch Plan from Visible - $5/mo T-Mobile Connected tablets, smartwatches, hotspots, and device data plans 5 Things To Know Before You Buy a Refurbished Phone What Is a SEP IRA and Who Is Eligible? Fidelity Investments Review 2022: Pros & Cons 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 - Many are choosing artificial turf for their lawns. The practice is booming worldwide due in part to extreme drought conditions. Clark gives you the pros & cons. Clark Stinks: Segments 1 & 2 Artificial Lawns: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Invest & Retire Why You Should Never Use a Debit Card To Pay for Anything How to handle money when you're traveling overseas Best Vacuum Sealers From Consumer Reports' Tests Everybody Into the Hotel Pool! That’ll Be $200. - The Wall Street Journal. “DAMAGE WAIVER FEE” AT HYATT HOTEL INVITES DAMAGE… How to Buy a Used Car in 7 Steps How to Deal With Medical Debt 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

Inflation has made us smarter about shopping. People are changing their buying habits. Learn how much you can save buying store brands. Also, find out the average retirement age for the typical American worker - and why this terrifies Clark. Inflation Defense: Segment 1 Ask Clark: Segment 2 Your Retirement Age: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Youth Account How To Open a Roth IRA The #1 Bill You Should Make Sure You Get by Mail The Average Retirement Age in America A Retiree Answers 11 Common Retirement Questions 5 Best Ways To Send Money Online Wise, Formerly TransferWise: Online Money Transfers Clark Rage: Deactivate Zelle Today 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

As claims become more expensive, home and auto insurance premiums are rising. Learn how forward thinking insurers are looking to reduce the number of claims in partnership with consumers - an approach more common with business insurers. Clark shares steps you can take now to lower your costs. Also - For more than 2 generations the middle class in America has been evaporating. But there are signs of recovery. Clark describes various skilled trade categories offering great opportunity now, as labor shortages have driven up pay levels. Hear Clark’s approach to securing a rewarding career. Insurance Costs: Segment 1 Ask Clark: Segment 2 Rebuilding The Middle Class: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Rethinking insurance: how prevention is better than a claim How Many Credit Cards Should I Have? How To Open a Roth IRA Who’s Wearing $420 Men’s Socks? Baffled, We Seek Answers Factory jobs are making a surprising comeback — and they could help revitalize America's shrinking middle class How Much Should You Have Saved for Retirement by Now? 5 Discount Airlines You Need To Know About 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

The formation of new businesses is way up. Clark is a lifelong entrepreneur. America has the resources and our greatest wealth is within us. There are actually many conditions now favorable to entrepreneurship. Learn the best & worst states in the U.S. to start a business. AND - Military personnel in a war zone face danger everywhere they turn. Outside their stateside posts, they face financial landmines from rip off lenders, crooked car dealers, investment groups, and merchants (furniture, jewelry) through exploitive financing. They get ripped off like nobody else anywhere. Clark is enlisting your help to get the word out to protect our service members from financial predators. Entrepreneurs: Segment 1 Ask Clark: Segment 2 WARNING: Military Ripoffs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This list of ‘top states for business in the U.S’ may surprise you What Is an HSA Account and How Does It Work? LIVELY HSA - Health Savings Account | HSA Benefits - Fidelity Investments Military and Veterans Guide: Free resources for getting your finances in order Home | The Thrift Savings Plan (TSP) What's up with travel clubs promising free travel? Timeshares, Vacation Clubs, and Related Scams Equitable to Pay $50M for Misleading Teachers on Annuity Fees What Is a 403(b) and How Does It Work? 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

Bloomberg reports women working as skilled freelancers / independent contractors make half as much as men doing the same job. “The meek do not inherit a larger paycheck.” How to self advocate for fair pay. Also - America on the move: We’ve become so much more transient since COVID. Ever dreamed of moving to another town, city, or country to save money? There are numerous communities offering financial incentives to move there. Beyond that, many are moving to Europe. Before you relocate, get Clark’s one key piece of advice. Gig Economy Pay: Segment 1 Ask Clark: Segment 2 Relocation Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA What Is a SEP IRA and Who Is Eligible? Becoming a Landlord: How To Find a Good Tenant How To Find a Good Moving Company - MOVING.org - UShip.com BBB-File a Complaint Most Medical Debt Is Being Wiped Off Credit Reports - The Wall Street Journal. 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

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - An uptick in crime has more people thinking about home burglar alarms. Wireless home security has made DIY installation a viable option and Clark shares a new Consumer Reports briefing to help you make the right home security decision. Clark Stinks: Segments 1 & 2 Home Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Official Tablo OTA DVR Site | Over The Air (OTA) DVR | Tablo Amazon Fire TV Recast DVR Norse Atlantic Airways Virtual Credit Cards: An Online Security Measure Worth Taking? Wyze / Best DIY Home Security Systems of 2022 Here’s the most important thing you can do to avoid becoming a tax fraud victim 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 discusses the rationale behind Amazon’s forays into healthcare, now culminating in the acquisition of One Medical, a big national chain of healthcare clinics. The idea is to bring a multi-platform approach to better care, better follow up. Also - Recall the Hertz false arrest nightmare suffered by hundreds now seeking compensation. Clark has a follow up. Amazon Healthcare: Segment 1 Ask Clark: Segment 2 Hertz Follow Up: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Thing You Need To Do Before You Buy a Used Chromebook How To Bring an Old Laptop Back to Life for Free Price-Matching Policies at Walmart, Target and Other Top Stores Why You Need To Check Your Cell Phone Bill Every Month 4 Things To Know Before You Buy a Digital TV Antenna 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 quality of the average vehicle sold in the U.S. in recent years is the lowest since 1986! Clark explains what has led to this problem and why therein lies opportunity. Also - ships coming in have created massive surpluses among retailers. The plus for you: deals of a lifetime. Learn which categories are steals right now and how long this could go on. Inflationary pressures in many sectors of the economy are starting to ease. WANTED: Mechanics: Segment 1 Ask Clark: Segment 2 Oversupply Bargains: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cars Archives - Clark Howard Clark Deals How To Improve Your Credit Score by 100 Points in 30 Days 5 Sneaky Ways To Improve Your Credit Score 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 revisits retail website Wish to usher it into his “graveyard.” Prices are so cheap! What went wrong? Also, EV - electric vehicle adoption is set to climb over the next few years. But where to recharge is an obstacle for car buyers. Learn how forward-thinking gas station/convenience store operators are getting with the program to serve a growing EV market. Website WISH: Unfulfilled: Segment 1 Ask Clark: Segment 2 Progress - EV Charging Stations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card What Is a Roth 401(k) and How Does It Work? ClarkDeals - Costco The Best Car-Buying Services in 2022 Visible Review: 5 Things To Know Before You Sign Up Clark.com - Cell Phones What Is an ETF? 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 hotel industry is suffering mightily from staff shortages, changing how they operate. You could get a discount forgoing housekeeping services, or be charged for it. Clark explains the owner / operator problem and what you should expect from brand name hotels moving forward. Also, the insidious cloak of mystery is about to be lifted from medical costs. 20% of our nation’s economy is eaten up by healthcare costs - by far the highest in the world. You’re on the hook for deductibles and copays. But information is power. Learn where we are now with non-emergency healthcare price disclosures. Hotel Staffing Shortages: Segment 1 Ask Clark: Segment 2 Healthcare Cost Disclosures: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Places to Get the Best Deals on Lab-Created Diamonds How much health insurers pay for almost everything is about to go public When does a 0% purchase plan make sense for you? How to Stock Up in Case of an Emergency 31 Items To Pack in Your Financial Emergency Kit How Much Cash Should You Keep at Home in Case of Emergency? How to Find the Best Deal on Cheap Internet Service Report: The #1 Internet Provider in America 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 - Word to savers - beware chasing that rate! Trying to make more on savings is leading people to make dangerous choices from financial apps and pseudo banks making unfounded promises of no risk strategies for high returns & FDIC security. What you need to know to safely stash your cash. Clark Stinks: Segments 1 & 2 Stash Your Cash Wisely: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Online Banking Archives - Clark Howard T-Mobile Money: 5 Things To Know Buy Nothing Project Life Insurance Archives - Clark Howard Consumer Cellular Review: 5 Things To Know Before You Sign Up Mullen: Shaping the Road Ahead in Electric Automobiles Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans What Is a 403(b) and How Does It Work? Fidelity Investments Review 2022: Pros & Cons Best 529 College Savings Plans By State How To Open a Roth IRA 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

Labor shortages in larger airports have rendered security lines so unpredictable that people are missing flights. Clark explains how TSA PreCheck, Global Entry & Clear work, and how to get these services for free or discounted. Also - Clark discusses fake positive reviews and the recent Amazon crackdown. A new twist: Negative reviews used to extort merchants. Understand how much the review system is gamed for retailers, restaurants & hotels, and how to best use reviews. TSA PreCheck, Global Entry & Clear: Segment 1 Ask Clark: Segment 2 Online Review Extortion: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Credit Cards That Pay for TSA PreCheck and Global Entry Capital One Venture Rewards Credit Card: Travel Credit Card Review Best Travel Credit Cards: Top Rewards Picks for 2022 The Best Credit Cards With No Foreign Transaction Fees How To Bring an Old Laptop Back to Life for Free What the Carriers Are Doing About SIM Card Fraud & How to Stop It Upside Review: 6 Things To Know Before You Sign Up Fetch Rewards: 5 Things You Need To Know To Get Free Gift Cards 3 Things To Consider Before You Get Solar Panels 6 Things To Know Before Contacting the National Foundation for Credit Counseling 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

Do you know when you’re being played by sneaky product placement? Products are placed within the content of streamed TV shows and movies, and social media influencers are paid to recommend products. Know this is bought and paid for advertising - an indirect form of commercials. Also - A special warning about moving your retirement money when changing jobs. If you plan on rolling over a 401(k) into an IRA, knowing what Clark has to say about it can save you tens of thousands of dollars over time. Ad Awareness: Segment 1 Ask Clark: Segment 2 Retirement Rollover Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Reverse Mortgage and How Does It Work? Clark's take on reverse mortgages How Can a Safe Driving App Save You Money? - USAA Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You? Best Investment Companies for Investors in 2022 CNBC: IRA rollovers often come with higher investment fees, Pew finds: Here’s how much money that costs retirement savers. Clark.com 401(k) Rollover: How To Roll Over a 401(k) How to Freeze Your Credit With Experian, Equifax and TransUnion Why Clark Howard Thinks Medicare Advantage Plans Stink 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 so much economic uncertainty, should you ask for a raise to offset inflation? Dilemma: Employers are getting nervous about potential recession. So the decision to ask for a raise, to stay put or find a higher paying job is an individual assessment. Clark offers guidance to help you think this through. Also - As the Fed raises interest rates, there’s a direct effect 1 billing cycle later on your credit card rates. People have been charging more, leading to balances they can’t pay. A Clark assignment & some recommendations can help with credit card debt. Employment Dilemma: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Thing Clark Howard Hates About Solar Panels Clark.com - Credit Card Debt Budgeting & Saving Archives - Clark Howard How to Budget With a Cash Envelope System REAL ID | Homeland Security 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

As the housing market cools, price cuts are happening around the country. A widespread buyers strike has set in. Many fear a housing market collapse as experienced 15 years ago. Clark explains why that won’t happen, and has recommendations for potential home buyers and renters. Also, a special warning about using self-checkout lanes. HOUSING Update: Segment 1 Ask Clark: Segment 2 Special Warning: Self Check-out: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgage Recast Definition - Investopedia 8 Things To Know Before Your First Trip to Aldi The Points Guy - Maximize your travel. These New Apps Can Help Maximize Credit Card Rewards Best Travel Credit Cards: Top Rewards Picks for 2022 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 - The average vehicle loan now is over $700 a month. 1 in 8 loans exceed $1K! Meanwhile the repo rate is rising. Why lenders are more aggressive with repossessions now and the negative domino effect. Clark’s recommendation for avoiding financial car loan disaster. Clark Stinks: Segments 1 & 2 Of Car Loans & Repos: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Roth 401(k) and How Does It Work? Apple Credit Card Review: Earn Cash Back on Tech Purchases Mint Mobile Review: 5 Things To Know Before You Sign Up Family Phone Plans for 2+ Lines - Mint Modern Family Plan Warning: Never Get Roadside Assistance From Your Insurance Provider 5 Things To Know About Series I Savings Bonds Uni - One Toll Pass. 19 States. 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

It’s unclear what will happen with gas prices moving forward, but prices have eased and the U.S. is leading the world in the production of energy. Clark explains the current energy market, why we see big price differences at the pumps, and saving strategies. Also - The odds are at least 50/50 we’ll have some degree of recession, as central banks worldwide work to slow economies to ease global inflation. Because capitalists hate uncertainty, some large companies have announced reduced hiring - but that’s a far cry from layoffs. Clark conveys 4 job sectors resilient against recession. Gas Prices: Segment 1 Ask Clark: Segment 2 Recession-proof Job Sectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These Credit Cards Offer Car Rental Insurance Benefits RentalCars.com The 4 most 'recession-proof' industries to work in, according to economists How To Open a Roth IRA How to Start Investing and Saving for Retirement Fidelity Investments Review 2022: Pros & Cons 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 explains how Vanguard small investors got clobbered by big tax bills during a target retirement fund conversion, without even withdrawing money. Learn where to put your investments to avoid such tax hits. Also - Air travel is a flat out mess right now. Infrequent travelers are especially rattled. International travel is especially challenging. It’s taking extra days to reach destinations. As a constant traveler, Clark has several strategies to help protect your sanity during domestic & international flights and cruises. Tax Smart Investing: Segment 1 Ask Clark: Segment 2 Strategies to Avoid Air Travel Nightmares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Open a Roth IRA How to Start Investing and Saving for Retirement SpaceX and Dish’s Super-Shady War for the World Travel Archives - Clark Howard Eager to take advantage of the cheap euro? Check out which countries have COVID travel requirements first Europe is on sale. Why the dollar-euro exchange rate is a win for Americans The Best Credit Cards With No Foreign Transaction Fees 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

It’s back to the gym for many after a long absence, but home fitness equipment is a super deal right now. Clark points to the savings. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free. Home Fitness Equipment: Segment 1 Ask Clark: Segment 2 Missing Money: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Gym Equipment Get Great Deals on Concerts, Pandora Music & More | T-Mobile How To Find and Claim Missing Money in Your Name What Is a Fiduciary Financial Advisor and Do I Need One? Frequently Asked Questions on Gift Taxes 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 economy has upended the best laid retirement plans of many Americans. So what do you do right now if you are in this situation? Clark discusses a reasonable compromise to help maintain financial security. Also - Every grocery dollar is basically buying 10% less these days - UNLESS you shop differently. Clark shares his base strategies, plus - looks at a cash back app that can help you save. Delaying Retirement: Segment 1 Ask Clark: Segment 2 SAVE on Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? What Are Index Funds? 5 Things To Know About Series I Savings Bonds Major Tax-Reporting Change for Users of Venmo, PayPal and Others 8 Things To Know Before Your First Trip to Aldi Ibotta Review: 4 Things To Know Before Earning Cash Back SuperCook - Zero Waste Recipe Generator Ask Clark: Should I Convert a Traditional IRA to a Roth IRA? 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. AND - For those seeking hedge alternatives to the standard investment portfolio, Clark discusses REITs, Crypto, and specifically GOLD as a safe zone. Learn Clark’s recommendations for owning gold - how much - and if gold is even a real investment. Clark Stinks: Segments 1 & 2 Owning Gold: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases Best Cash Back Credit Cards: Top Picks for 2022 What Is Disability Insurance and How Does It Work? Chrome OS Flex Is There a Safe Way To Invest in Real Estate? What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash 7 Gold ETFs With Low Costs Clark Howard’s Advice on Buying Gold Best 529 College Savings Plans By State 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 discusses the impact of vehicle shortages & elevated costs including illegal repossessions & how to protect yourself from this, plus new ride sharing offerings. Also - Good Intentions don’t lead to results. Autopilot does. Clark makes the case for automatic saving & investing, especially for those without a 401(k). Vehicle Cost Pressures - Market Effects: Segment 1 Ask Clark: Segment 2 Automatic For The SAVINGS: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CarMax Review: 5 Things To Know Before You Buy or Sell Carvana Review: 5 Things To Know Before You Buy or Sell Vroom Review: 5 Things To Know Before You Buy or Sell Luggage Hero - Luggage Storage Near You Checking monthly statements key defense against credit card hacks How To Open a Roth IRA What Are Index Funds? What Is a Thrift Savings Plan? 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

New data illustrates how people are now stretched financially, trading down retail purchases while overall, credit card debt is up. Clark shares some back to basics measures for more mindful spending. Also, current dislocations have opened up a fast growing area of abuse in the trade and technical school funding arena. What to look for - and look out for - when considering training alternatives to college. Inflation Shoppers: Segment 1 Ask Clark: Segment 2 Training Contract Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy a Used Car, New Car or Lease Right Now? Mint Review: 5 Things To Know About the Free Budgeting Tool How to handle money when you're traveling overseas The Best Credit Cards With No Foreign Transaction Fees Don’t Get Dinged at the Gas Pump by New Visa and Mastercard Policies 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 Buy Now Pay Later, aka Pay in 4, refunds are a problem, and now Apple Pay offers it. Clark’s warning about this payment method and how to protect yourself. Also - Over 100 million Americans are burdened with medical debt. Learn how this happened, how the hospital monopoly game is played - and what your options are to avoid being crushed by medical debt. Pay In 4 - New Warnings: Segment 1 Ask Clark: Segment 2 Avoid Medical Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Can You Use a Credit Card on Venmo? 7 Things To Know About the Venmo Credit Card Best 529 College Savings Plans By State What's the Best Setting for Your Thermostat During the Summer? 7 Easy Ways To Lower Your Heating Bill 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

Labor shortages. reliability problems and high costs are plaguing travel this summer. But the cruise industry is seeing lower demand. Clark explains how you can get screaming deals on cruises and on certain air travel destinations. Also, over 20 million tax returns remain unprocessed. A beleaguered IRS and frustrated taxpayers - Clark recounts how we got in this awful mess and makes the case for a simplified tax code. Travel Deals: Segment 1 Ask Clark: Segment 2 IRS Delays: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Report: The 8 Best Cruise Lines for the Money How To Use 'Vacations To Go' To Find Bargain Cruises 6 Steps To Getting the Best Car Rental Deal AutoSlash Review: How to Save on a Rental Car Follow Clark Howard's #1 Rule To Travel Cheap Tello Mobile Review: 5 Things To Know Before You Sign Up Tello: Build Your Own Plan Takata recall grows by 3 million more faulty airbag inflators How To Save and Invest the Clark Howard Way 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. And - Many are trying to decide between renting or buying a home. It’s a true squeezeplay right now but new data sheds light on what might be the best decision. Plus, Clark provides the housing market outlook. Clark Stinks: Segments 1 & 2 HOUSING Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com CELL PHONES SoFi Credit Card Review: Earn 2% Cash Back Platinum Card® from American Express Review 2022: Is It Worth It? 6 Steps To Getting the Best Car Rental Deal 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

Add auto insurance increases to higher vehicle & gas prices. Collision rates and the cost of repairs are up too, factors creating a perfect storm of costs for auto insurers, in turn passed along to drivers. Hear 2 ways to lower your auto insurance premiums. Also this episode: Employers thought they’d order everyone back to office work last September. That flew out on the Delta variant. There are pros & cons to Work From Home but for most remote workers, the advantages win out. Management had best be flexible. The landscape has changed - permanently. Shop Auto Insurance: Segment 1 Ask Clark: Segment 2 WFH: A Generational Shift: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Car Insurance Archives - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips 5 Sneaky Ways To Improve Your Credit Score Investing & Retirement 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

Clark shares how he got started and the life lessons that motivated and inspired him to do what he loves doing today - empowering others to live their best lives. Also - you may be throwing money away with your current cell phone provider. Verizon & AT&T have been raising rates while the cost of providing service is going down. Clark gives you the lay of the land, pointing to MINT Mobile & other affordable options, and new offerings ahead. Assignment: Check your plan and choose to SAVE. Clark BIO: Segment 1 Ask Clark: Segment 2 Cheaper Cell Phone Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: About Clark Howard Mint Mobile Introduces Modern Family Plans Best Cell Phone Plans - Mint Mobile Review - Visible Review Vanguard Review 2022: Pros & Cons Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? 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 are ethical debt collectors, but also dirty players in the industry. Clark explains the crooked practice of refreshing the debt, and what your rights and responsibilities are. Also, no utility bills sound good? ‘Passive’ homes are ultra energy efficient, and there are initiatives that go a step beyond. People are building passive, self-powered homes with solar & batteries off the grid. We have options today, including home power from EVs. Decentralizing how we get power is great for the nation as well. DEBT: Statute of Limitations: Segment 1 Ask Clark: Segment 2 ENERGY: Off The Grid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Statutes of Limitations on Debt Collection by State What Is a Good Credit Score? Should I Pay Off My Mortgage Before I Retire? About Clark Howard How To Build Credit The Kredit Syndicate (Tradelines, Credit Repair & Education) - NOT Recommended ChexSystems - How To Prevent, Report and Repair Identity Theft 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 construction industry has held on to archaic ways of building, failing to adapt better technology routinely used elsewhere in the world - until now. Clark discusses how prefabrication component building is better, faster & cheaper. Now is the time to reimagine how we build to improve durability and price points. Also, for the past decade, traditional life & annuity insurers have been selling off their policies to Wall St. The risk profiles are then held by private-equity. This creates new levels of uncertainty for consumers. If you get notification of this from your insurer, should you be worried? Clark has some new recommendations. Home Building Innovation: Segment 1 Ask Clark: Segment 2 Life Insurance & Private-Equity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Frequently Asked Questions on Gift Taxes Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans Explore Google Earth. Google Maps’ new ‘Immersive View’ combines Street View with satellites Life Insurance Archives - Clark Howard Policyholder Information - NOLHGA.com Indexed Universal Life Insurance (IUL) - Investopedia - NOT recommended What Is an Annuity, and Why Does Clark Think They Stink? What to Do if You Find an Old Stock Certificate 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, Clark talked about the changing landscape for workers yesterday. Today, for employers - the topic is creating loyalty in a workforce. Retaining motivated employees is a big problem for companies. Clark discusses how giving employees a stake in the game makes profitable sense, and ways businesses can accomplish that. Clark Stinks: Segments 1 & 2 Enlightened Employers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces Modern Family Plans Employee-Owned Publix Offers a Lesson for Other Supermarket Chains What Are Good Resources for Starting or Growing a Small Business? - SCORE.org ARRIVED - empowering the world to build wealth through modern real estate investing. 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 talks with Charis of Clark Deals about how Amazon Prime Days 22 should measure up, the kinds of deals you can expect and competitive deals from other retailers. Also this episode, after 10 years of pathetic earnings on savings, the good side of rising rates is catching up. Clark compares big bank to online bank savings rates right now, lets you know the best saving strategies & the safest places to put your savings to work. DEALS: Amazon Prime Days: Segment 1 Ask Clark: Segment 2 Max SAVINGS Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Today's Best Deals of the Day 7 Things To Know About Amazon Prime Day Amazon Prime Day Dates Are Official, 48 Hours of 'Lowest Prices Ever' Start July 12 Generark HomePower One review - SFGATE Best High-Yield Online Savings Accounts in 2022 5 Things To Know About Series I Savings Bonds Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account Best Cash Back Credit Cards: Top Picks for 2022 TSP Woes Continue Two Weeks After Tech Transition Thrift Savings Plan NFL Ticket Information 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

Needed changes in education are overdue and on the way. Clark characterizes post high school ed and how economic forces unleashed by Covid are changing the equation for the better. The rise of the education consumer means relevance and connection to career will be key. Also, Clark lists the many factors contributing to the inflation testing us all - and puts it in historical perspective. This cycle has caused economic dislocations creating discounts. Learn where the deals are, and - in the price surging sectors, ways people are cutting back to offset inflation, including gas & grocery strategies. Higher Education Transformation: Segment 1 Ask Clark: Segment 2 INFLATION: Perspective & Adjustments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Uni - One Toll Pass. 19 States. CELL PHONES - Clark.com 7 Things That Are Actually a Great Deal Right Now 10 Best Restaurant Apps for Fast Food Deals 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