The Clark Howard Podcast

Credit card offers abound right now, going after 3 target markets. Learn if you’re in their sights and how the game is played, to better protect your finances. / Do you wait until after you’ve left a restaurant, hotel or resort to leave a review - or post while there? What happened to one hapless reviewer provides a cautionary tale for all… Ask Clark topics include: CREDIT CARDS - Clark.com / BBB-File a Complaint \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

How margin investing is actually gambling - borrowing against stocks in order to buy more stocks - a huge profit center for brokerages. Clark explains how this plays, and where the danger lies. // Clark Howard - Deal Hunter, has click & collect and delivery experiences that speak to big retail competition with Amazon - and wins for consumers. Ask Clark topics include: Target Date Funds: Clark’s Favorite Retirement Investment / CELL PHONES - Clark.com / Red Pocket Deal: Get a Year of Unlimited Service Starting at $14/Month / Can YouMail Really Put an End to Robocalls? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Clark’s thoughts on the new COVID variant, the economy and travel. Clark Stinks and Ask Clark topics include: 7 Things to Know Before You Buy Travel Insurance / Storage Unit Insurance: What Is It and What Does It Cover? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The typical electric bill will be 5% higher this winter. For those using natural gas, bills are expected to be up 25 - 35% depending on location - propane even more. Clark has several suggestions to help you save. / Every time there’s a runup in home prices, people tend to take out equity. That practice is up 33% over last year. Why Clark believes this is a bad idea, and when cashing out equity is appropriate. Ask Clark topics include: How to Sell Your Car in 5 Steps / Homeowners Insurance / 9 travel safety tips to protect you & your wallet / Clark Howard: My 7 Rules for Using Credit Cards \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Survey Says: The number 1 type identity theft is credit card fraud. Clark smart strategies to protect your wallet when holiday shopping online. // The concert business has been in turmoil since the pandemic began. Events were postponed overwhelmingly to avoid the paying of refunds. Meet a ticket seller with better options. \\ Ask Clark topics include: How to sell your house by owner - Clark Howard / The power of compound interest: Earlier you save the better / Wills & Funerals \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark gets into the nitty gritty of doing laundry & the best detergent buys. Consumer Reports ratings are in - how to get more for less. // We pay more for medical care in the U.S. than the rest of the world with less to show for it. Hospital systems buy up competitors and practices to reduce competition. There’s a counter move going on. How CVS, Walmart and others are making a difference in the delivery of healthcare in ways that can save you money. Ask Clark topics include: 7 Best Free Cloud Storage Options in 2021 / What You Need To Do With Your Gift Cards Right Now \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses NFTs with Team Clark’s Christopher Smith who has done really well with them. Can you get rich quick? // Tax rates on regular savings interest and on investment earnings have been adjusted for next year. Clark explains how it pays to know the difference and save accordingly. Ask Clark topics include: 3 Rules for Buying Gold - Clark’s #1 Rule on Investing in Things Like Gold, Marijuana and Bitcoin / Investing in real estate can be a lot simpler than you think / How To Prevent, Report and Repair Identity Theft / How to counter lowball offers from auto insurers after your vehicle is totaled \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The big box retailers are better stocked for Christmas than anticipated. Inventory and sales are up. Clark lets you know what’s a deal and what’s not right now. The market never stops changing - how to be flexible in a time of rising prices. Clark Stinks and Ask Clark topics include: Costco membership deal: Save up to $30 with a new Costco membership / Best Cell Phone Plans and Deals in 2021 / Mean Reversion Definition - Investopedia / IRS Announces 401(k) Contribution Limit Increase for 2022 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

A USA Today investigation found 121 recalled or banned toy products, some of which have had fatal consequences, sold on Facebook Marketplace with no oversight. This is not unique to Facebook. The U.S. gov is suing Amazon for selling dangerous products. What to know and look out for from these and other marketplace sellers. // Americans are a generous people, and the season of giving brings out the scammers to exploit this virtue. The many ways they rope you in and what to know before you give. Ask Clark topics include: What Is an HSA Account? / What Is a SEP IRA and Who Is Eligible? / Best 529 College Savings Plans / How to Find a Geriatric Care Manager \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Holiday package thieves are a real problem and delivered goods will be priced higher than picked up merchandise. Clark discusses the advantages of “click & collect” and Amazon lockers / In modern media, the traditional wall that separates advertising from content has broken down in every format & platform. A con artist posing as a Texas financial radio host stole millions from listeners. It’s vital to know what’s going on behind the curtain. Paid media is everywhere. Clark discusses what to watch out for when consuming radio, TV, newspapers & periodicals, websites, social media et al. Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One? / Mean Reversion Definition - Investopedia / How To Sell, Cancel or Get Rid of Your Timeshare / Should I Pay Off Debt, Save Money or Invest? / Should I Pay Off My Mortgage Before I Retire? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

“Skimpflation” is a form of hidden tax via customer no-service, with companies cutting corners in almost all sectors. Surviving businesses are dealing with increased demand and labor shortages - another dislocation to work through in the economy. // While spending billions on non-stop ads, the traditional market-driven insurance industry is being turned on its head. New companies like Lemonade and Root begin with trust and simplicity. It’s working. Ask Clark topics include: GetUpside Review: 6 Things To Know Before You Sign Up / Best 529 College Savings Plans By State \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s the time of year to make elections for your retirement accounts. News on next year’s new income and contribution limits for retirement accounts and tax implications moving forward. / Zillow is out of the home buying business, but other iBuyer companies are still thriving. Industry update and when & where using an iBuyer makes sense for home sellers. Ask Clark topics include: Amount of Roth IRA Contributions That You Can Make For 2021 / Ask Clark: What Is a Backdoor Roth IRA? / SIPC - Securities Investor Protection Corporation / A strong password isn’t enough | Here’s the best way to protect your online accounts \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The final phase of pandemic relief allows for lower premiums, more subsidies and smaller deductibles on health insurance for qualifying individuals and families for 2022. Revisit Healthcare.gov to enroll by Dec. 15. Clark explains Medicare Advantage plans & the upcoming surprise medical billing law. We’ll need to know our rights and how to use them. Clark Stinks and Ask Clark topics include: Apple Pay and Apple Cash Review - NerdWallet / Health Insurance Guide / How To Send a ‘Drop Dead’ Letter to a Collection Agency / My Dad Is Retiring But Plans To Continue Working Part-Time. How Can We Help Him Access His Benefits? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Supply chain issues, shipping delays, and higher prices - NOT a few of Clark’s favorite things. Sale cycles are underway already and December will be expensive. Clark Smart holiday shopping guidance. Clark Deals Black Friday / A Fidelity study shows women investors on average earn superior returns to men. Why the difference? Ask Clark topics include: How to Buy a House in 9 Steps / Mortgages Archives - Clark Howard / 31 Items To Pack in Your Financial Emergency Kit \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Car repair rip offs are a long term, terrible problem, increasing during today’s car shortages. How to prevent car repair nightmares and what to do if you are stuck in one. / The nation’s banks have not been kind to small business, and now this market is going through the early stages of disruption. Better options for business banking from fintechs. Ask Clark topics include: 5 Things To Do Before You Sign Up for a Free Trial / Here Are the Insurance Policies Homeowners Need To Get and the Ones To Skip / How to Buy Term Life Insurance in 7 Easy Steps \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Series I Savings Bonds are paying 7.12% interest for the next 6 months. Clark explains how long these bonds must be held and how they work. Recommended. / Are those “free” phone offers really worth it? Clark explains what it’s really costing you. Best Cell Phone Plans and Deals in 2021 Ask Clark topics include: Wills & Funerals Archives / How To Open a Roth IRA / File a Complaint | Better Business Bureau / 6 Things To Know Before You Sign Up for Visible / iPhone 13 Deal: Get $200 + HomePod Mini With Visible / Clark Deals - Phones - Clark Deals - Phone Plans \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Would you like some crypto with that Whopper? Crypto mania has reached an all time high. Clark on the Burger King - Robinhood crypto tie-in. Electronic currency is a valid concept for moving money more efficiently around the world. So what’s the problem? You deserve a Clarksplanation. / Carvana’s under review in several states over title & registration paperwork issues - what car buyers need to know. Also - the 10 cars most likely to get speeding tickets have one common thread…. Ask Clark topics include: Co-signing a loan / What Is a Good Credit Score? / What Is Swapalease and How Does It Work? - LeaseTrader.com / Kardia.com - AliveCor: EKG Anywhere, Anytime \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Some airlines have had periods of complete chaos of late. What’s behind the meltdowns, a notable exception, and a warning about online travel reviews. We’re entering a very popular travel season- Clark smart booking advice. Clark Stinks and Ask Clark topics include: Best Rewards Credit Cards: Top Picks for 2021 / These Credit Cards Offer Car Rental Insurance Benefits / Follow Clark Howard's #1 Rule to Travel Cheap // Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The K Economy: A significant portion of the population thrives, while many others struggle mightily. Meanwhile nearly 70% worry about their kids falling behind as education has also suffered during the pandemic. So what’s the good news? Clark points to opportunity. // A LendingTree study of debt collection complaints reveals that most involve fraudulent or mistaken debt. There’s also nonexistent or fake credit card debt. It’s crucial to know and exercise your rights with debt collectors. Ask Clark topics include: Turo: 5 Things To Know About the Cheap Car Rental Service - Should I Become a Turo Host With the Increased Demand Right Now? / Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards / What Is Disability Insurance and Should I Buy It? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Robocalls may have started declining due to number verification to thwart spoofing. So crooks are moving on to text scams. These are coming at you fast and furious. What to look for so you don’t download a virus. // Are you feeling burned out at your job? More than half of workers don’t take all their PTO. What!? Clark’s annual plea for your good health, happiness AND better productivity at work. Ask Clark topics include: What Is an HSA Account / Index Funds / Is Apple Pay a Safe Alternative to Zelle? / How to Plan a Trip: Clark’s Best Travel Tips to Save Money \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans are living longer. At the same time, we want to retire earlier. Clark wisdom for those ages 20 to 45 about what it takes to be FI (Financially Independent) in the back third of life. // An outrageous grocery charge you have to hear to believe - and how to protect your wallet from this kind of banking trainwreck. Ask Clark topics include: How Does Airbnb Work for Hosts? / How to Buy a Used Car / Clark.com - CELL PHONES / 31 Items To Pack in Your Financial Emergency Kit \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The work from home genie is out of the bottle. Employees have left the building. And yet, nearly half of execs want them back in the office 5 days a week. Check the quit rate, boss. People have the power now. Clark smart executive direction. / Housing: Our number 1 expense. Clark covers the latest developments and how they affect your wallet now and in the future. Ask Clark topics include: VENMO Identity Verification / Is It Better To Buy a New or Used Car in the Current Market? / New and Used Car Reviews and Ratings - Consumer Reports / Clark’s Best Travel Tips to Save Money / What Is an Annuity? / Choose a Financial Advisor / The Best Credit Cards With No Foreign Transaction Fees \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The Holiday shopping season has morphed to spread out the sales calendar for greater efficiency. The pandemic has accelerated that process. Now pre-Halloween, sales are underway. Clark points to a few so you can SAVE MORE. The biggest deals will come before December. Clark Stinks and Ask Clark topics include: Costco Auto Program: New & Used Car Buying Service / ALLIANT Your everyday cashback credit card / Travel Insurance / Best Travel Credit Cards: Top Rewards Picks for 2021 / What Is an HSA Account and How Does It Work? / Is 65 the Best Age To Retire? / Will I Still Get the 5.9% Increase if I Wait To Collect Social Security? Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

There are 2 major factors that inform why people choose to move from one state to another. California and Texas are a case in point. // Clark shares an idea that may shift the way you think about retirement savings - at any age. Ask Clark topics include: What Is a 403(b) and How Does It Work? / How to Buy a Used Car in 7 Steps / Best and Worst Auto Insurance Companies / Best and Worst Home Insurance Companies / Ask Clark: What Is a Backdoor Roth IRA? / What Is an HSA Account and How Does It Work? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The investing price wars continue, giving you more choice in the marketplace. You’ll end up with 50% more money for retirement being with a low cost provider. A full commission stock broker is pitching something that may sound like a good idea. Clark’s not buying it, and neither should you. // Disney uses dynamic demand pricing which can help regulate crowd size. Now they have a new planning app called Genie. What it does, and what it costs. Ask Clark topics include: Fiduciary Financial Advisors / Find a Financial Advisor / Best Financial Advisors in 2021 / Roth IRA for Kids - Fidelity / SIM Card Swapping / Business Insurance / How to Buy Term Life Insurance / These Credit Cards Offer Car Rental Insurance Benefits \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

$40 vs $330 for the same Rx?! GREAT news on a couple of subscription programs that can save you big bucks. // Why Wall Street loves Best Buy’s new membership program for tech support and the value of membership. Ask Clark topics include: 10 Ways To Save on Prescription Drugs / Canadian International Pharmacy Association / How to Buy a Used Car in 7 Steps / Cell Phones & Smartphones for sale | eBay / OnePlus Nord - OnePlus (United States) - OnePlus Nord Series / Tempted by timeshares? Heed Clark's advice \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Restaurants and the service industries overall are enduring severe labor shortages for all to see. This is creating high anxiety. Patience is a virtue. / 16 years into telematics, only 2% of drivers allow themselves to be tracked. Do you want your every move tracked while driving? How one major insurer is pushing for it, plus, a tale of Tesla’s driver-assist testing. Ask Clark topics include: Why You Should Never Use a Debit Card To Pay for Anything - Clark / Submit a complaint | Consumer Financial Protection Bureau / 6 Best Ways To Send Money Online / Term Life vs. Whole Life Insurance / The Best Term Life Insurance Companies / MyChart | Powered by Epic / How To Prevent, Report and Repair Identity Theft \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Why Clark loves our largest domestic airline - Southwest, what’s going on with the recent meltdowns, and Clark smart advice for travelers. Clark Stinks and Ask Clark topics include: Social Security / CREDIT CARDS - Clark.com / 5 Steps To Getting a Good Deal on a Hotel Room / Wawa Launches “Tap, Pay & Save 15 Cents Per Gallon” with the Wawa App through Oct. 31 \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The disappearance of cash brings new ways to tip - and challenges teaching kids about money. // The average bottled water drinker spends $1400 a year on bottled water - which may not be as safe as tap water! And bottled water IS overwhelmingly tap water! Clark explains - and suggests a WAY cheaper middle ground solution. Ask Clark topics include: What Is a Backdoor Roth IRA? / MTurk Review: How to Make Money Online With Amazon Mechanical Turk - Survey Junkie Review: 3 Things to Know Before You Sign Up / Trust Definition - Investopedia / Best Investment Companies for Investors in 2021 - Clark Howard \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

How many times do you pick up your smartphone each day? Surprising statistics about how much we’re engrossed in these devices, and something else to think about. // Both Androids & iPhones are being invaded by various types of malicious apps. 10 million got hit with fake charges on their cell phone bills. Learn the number 1 way to know a rogue app is lurking & how to protect yourself from this growing type of spyware. Ask Clark topics include: What Is a 403(b) / Umbrella Insurance / 401(k) Rollover / How To Find and Choose a Financial Advisor / How to Protect Your Phone Against a SIM Swap Attack | WIRED / CDARS® has been renamed IntraFi Network Deposits. / Clark Deals 2021 Sweepstakes Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re willing to pivot for credit card perks in the marketplace, it’s a win. Learn about new Amex and Navy Federal offerings. / $500 a year for a credit score subscription!? No. DO NOT allow anyone to rip you off for credit monitoring, reports or scores. Clark reveals secrets about the business, including how you can get all that info for FREE. Ask Clark topics include: 6 Tips for Hiring a Contractor - Cnet - Working with contractors: How to hire a qualified pro / MDsave.com Shopping online for healthcare has arrived. / Clark Deals 2021 Sweepstakes / Best Cell Phone Plans and Deals in 2021 / Save up to $20 with a new Costco membership \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how insurers are using AI, drones and robots to assess auto and property claims. This brings up concerns you need to know about. // Uber & Lyft costs are up by 1/3rd on average. Surge pricing makes these rideshare costs unpredictable. You’re not a sitting duck. Clark mentions several alternatives. Ask Clark topics include: 2021 Toyota RAV4 Prime Road Test - Consumer Reports / The 3 Truths of Wealth Creation - It's OK to splurge on things important to you, even when saving for retirement - Clark’s addendum: CORE & KEY: Live on less than what you make. Investment savings need to stay on target for retirement. / The Clark.com editorial process. \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Holiday shopping - in October? Several factors make that a good idea this year, including current deals. Clark Stinks and Ask Clark topics include: The Free Account Everyone Needs To Set Up Before Retirement / Read This Before You Sign Up for Health Insurance at Work / How to decide if medical tourism is a viable option for you / The 14 Cheapest and Best Grocery Stores / Report: The #1 Supermarket for Customer Satisfaction - Automatic Bill Pay: How It Works and How to Do It Safely \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

The promise of public service student loan forgiveness made 14 years ago has been grossly mismanaged, cheating compliant service workers. That injustice is being overturned with new federal regulations going into effect. Stand By! Clark’s guide is forthcoming involving an October deadline. // More Americans are living at or near a coast. Learn how the Federal Flood Insurance Program has worked, and how it will change moving forward. New rates are being implemented and you should know how they will affect you, depending on risks. Ask Clark topics include: Why Airlines Can’t Stop Rewriting the Rules for Fliers / BANKS & Banking - Clark.com / What changes at Credit Karma Tax now that we are a Cash App product? / Where Is My Passport? / This Decision Could Increase Your Social Security Benefit by 8% Each Year / Clark Deals 2021 Sweepstakes \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Elder fraud comes in many forms. The numbers are astounding. AARP reports 5 million elderly Americans have money stolen each year. Average amount: $120,000. They can’t recover from that kind of loss. How we all can do a better job of communicating with and protecting aging family & friends. // Flying electric taxis for regional transportation are being adopted in São Paulo, Brazil. These helio-plane hybrids are an affordable, quiet, efficient solution. Air taxis! How soon will we see such progress? - A Clark Prediction. Ask Clark topics include: Extended Car Warranties / Term Life Insurance / National Foundation for Credit Counseling / The 3 Best Ways to Consolidate Credit Card Debt – And 2 Ways to Avoid It \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Both oil and natural gas are in short supply, with prices going up. How to save on gasoline and home energy. // Social Security has an embedded base of support, so it will continue in some form, based on your highest 35 year earnings. Clark shares why and how you should monitor this future source of income starting at age 30 - a simple but very important task. Ask Clark topics include: Energy Sage: SRECs: understanding solar renewable energy credits / Best Generator Buying Guide - Consumer Reports / Financial Advisors / When Is the Best Time to Take Social Security? - Maximize My Social Security \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re used to everything always being available. Clark explains we’re back to historical patterns, supply chain disruption and distribution tendencies for the duration. No need to panic buy, just flex. // It’s open enrollment time for many company health insurance plans. What you should know about HSA high-deductible health plans, how to decide which plan is best for you AND - disability insurance. Ask Clark topics include: Diamonds - buy used - 7 Places to Get the Best Deals on Lab-Created Diamonds / Consumer Reports - Guide to Cars With Advanced Safety Systems / Password Protect Your Phone - How To Create a Safe Password / T-Mobile Home Internet Service - Verizon 5G Home Internet - Cheap Internet Service \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Pandemic burnout has prompted many to re-evaluate their life and careers. Close to half of new business owners now are women. The economics of this development and the opportunities it presents. Clark Stinks and Ask Clark topics include: Hearing Aids / What Is a 403(b) and How Does It Work? / File complaints with your State Consumer Affairs Department (if your state has an active one) / How to Spot and Avoid Scams on Facebook and Instagram / IRS - Coronavirus-related relief for retirement plans and IRAs questions and answers \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

1 in 4 houses are being bought cash only. Sellers want certainty. Clark shares a new way some companies are helping home buyers win the bidding wars. // Microsoft is eliminating passwords. Amazon is experimenting with biometrics for concert entry. Biometrics are here to stay and passwords will be a thing of the past. Ask Clark topics include: These Airlines Are Extending Credits Into 2022 / Cemetery Plot Buying and Selling / Charles Schwab Bank Debit Card \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

529 Plans are getting better overall. But there are 2 types: direct sold, and rip offs.. Due to massive fees, you can end up with less than you put in. Know the only kind to buy: Best 529 College Savings Plans By State // 70% of the jobs of 20 years from now do not exist today. The market never stops transforming. Clark shares which careers make sense for the future. If you’re in an industry in decline, consider how to use your skills another way. Ask Clark topics include: Apple Pay / Zelle fraud emergency kit and FAQ - BobSullivan.net / 5 Things To Know Before You Buy a Refurbished Phone / SIPC - Securities Investor Protection Corporation / IRS IRA Contribution Limits / Thrift Savings Plan (TSP) \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Due to extreme weather patterns, homeowners insurance is becoming a more difficult purchase. Underwriting can vary greatly from one insurer to another. New considerations for home buyers & why shopping home insurance is more important now than ever. Plus, 3D printed homes are weatherproof, cheaper & quicker to build. // Sick of getting junk robocalls about your extended warranty expiring? You are not alone! What you need to know about this ongoing, widespread scheme. Ask Clark topics include: When Should You File a Claim on Your Homeowners Insurance? / Federal Agencies Release Interim Final Rule to Implement the No Surprises Act / Should You Buy an Extended Warranty on Your Car? / 403(b)s / Google Flights - Hopper - Skyscanner \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

An important warning for those in the market for a used vehicle, and how buyers must protect themselves. Also, there will be new e-vehicles in the marketplace, sold direct. What that means for buyers. // Recent wide swings in the stock market have sparked fears among investors. Various factors have created a “wall of worry”. The problem with getting out of the market, and the right questions to ask yourself to be in the game - prepared. Ask Clark topics include: How does HomeAdvisor work for contractors? / What is an UGMA or UTMA account? - Best 529 College Savings Plans By State / Trust & Estate Planning / What Is a Financial Advisor and Do I Need One? - How To Find and Choose a Financial Advisor / SPLITWISE: Less stress when sharing expenses / BBB-File a Complaint \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / You may be tempted to accept an exclusive invitation to a financial seminar that includes something fancy like a free steak dinner. Clark tells you why you need to cook at home that night instead. Clark Stinks and Ask Clark topics include: What Is Your Flood Risk on a Scale of 1–10? / Clark’s App Warning for iPhone and Android Users / Should I Convert a Traditional IRA to a Roth IRA? / 7 Things to Know Before You Buy Travel Insurance / Elon Musk says Starlink internet will exit beta status next month / T-Mobile Expanding 5G Network To Offer New Home Internet Service \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news for small business owners about the SBA loan program, including applying for PPP loan forgiveness. // 401(k)s have 2 different kinds of fees, one of which most participants are unaware of - the cost for the investments plus administration fees, which can be high. Who pays? Ask Clark topics include: Best Investment Companies for Investors in 2021 / Why Vacation Clubs are worse than timeshares / Should You Manage Your Own Investment Portfolio? - The Bogleheads' Guide to Investing / The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Credit Karma Review: Free Credit Score and More at Your Fingertips - How To Monitor Your Credit \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

We know cars are overpriced and hard to get right now - allowing time to research your next buy for when the market improves. Clark looks into the initial quality of new cars - and the types of both cars and appliances that are generally most reliable. // The yen to invest is taking hold with advice coming from everywhere. Why this is both great and terrible. Many are basing investment decisions on social media influencers’ advice. Pause with Clark to reflect on this…. Ask Clark topics include: How Much Is My Used Car Worth Right Now? / TRAVEL CLArchives / Best Buy Tech Support / Kids and Teen Savings Account | USAA \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Health trackers are approaching the mainstream for general health monitoring. Clark talks about his devices and what’s on the horizon. // Almost half of Americans have used buy now, pay later services. What could possibly go wrong? Ask Clark topics include: The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments / Loyalty fraud is on the rise — here’s what happens when your points are stolen / Is a Cash-Out Refinance Right for You? / Home equity loans & lines of credit / A factory-built home as a means to affordable housing / The 4 Insurance Policies You Actually Need / Term Life vs. Whole Life Insurance - EvaluateLifeInsurance.org \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Crypto is taking all shapes and forms now, including being used for risky borrowing and lending. This is in the pioneering phase. // The cell phone is potentially replacing the wallet. Pros & cons. Ask Clark topics include: What you can’t pay for with a 529 plan / How and Why to Refinance Your Mortgage / The 403(b) / Fidelity Investments Review 2021 / Life Insurance / Sam’s Club Mastercard Review: Earn 5% Back on Gas Purchases - Best Rewards Credit Cards: Top Picks for 2021 / Authorized User vs. Joint Account Holder \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / For those who’ve worked various jobs over decades, there may be lost retirement accounts or a small pension you’ve lost track of. There are 25 million unclaimed 401(k)s out there containing $1.35 Trillion. Also - what to do when you change jobs. Clark.com - How To Find Missing or Lost Retirement Accounts Clark Stinks and Ask Clark topics include: Automatic Bill Pay: How It Works and How to Do It Safely / Wait times at Disneyland and Universal Studios are way down. Here’s why / Best 529 College Savings Plans By State / 5 Things to Know Before You Use Zelle / Suing in Small Claims Court \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Should you stock up on essential supplies? Clark has a different angle on deciding what to buy. // Were you expecting a refund on your auto insurance during the pandemic that never came or was less than expected? If you’re the 1 in 3 people driving less, you’re subsidizing other drivers. Clark has a suggestion to help you save on auto insurance. Ask Clark topics include: Consumer Reports Generator Ratings / Should We Buy a Truck With eBay Gift Cards? Or Is This a Scam? / CarRentals.com / Mint Mobile Review - Visible / Equitable Distribution Definition - Investopedia / Long-Term Care Insurance / What can I do if I believe my credit file has been mixed with someone else's? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

TVs have gone up in price, as much as double since last November. The market effect of Amazon’s entry and Clark’s best advice for TV buyers. // SpaceX’s Starlink internet service is on hold. Clark’s excitement over the supposed imminent availability of high speed rural internet was well-placed, but premature. What we have here is a failure to serve customers. Ask Clark topics include: Rules for Using Credit Cards / 6 of the Best High-Yield Online Savings Accounts in 2021 / How to Keep Student Loan Forbearance From Hurting Your Credit / Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? / Dollar Cost Averaging Makes You a Fortune Over Time / How To Open a Roth IRA / Warning: 3 Big Problems With Visa Gift Cards / File a Complaint with the Consumer Financial Protection Bureau \\ Want more money advice? Sign up for Clark’s free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices