The Clark Howard Podcast

The full fare airlines have pivoted to leisure routes and Southwest has launched a fare sale cycle. Clark travel advice includes flight cancellation, the rental car problem and hotel prices. / The same blood test cost one cancer patient 800% more at a hospital than it did at a doctor’s office. Large hospital systems are hostile to price competition. Clark updates the battle for price transparency & explains how to handle a medical test or procedure referral. Ask Clark topics include: Using GoodRx / Submit a complaint | Consumer Financial Protection Bureau / Check warehouse clubs to buy generators / Getting the Best Car Rental Deal - AutoSlash Review / HSA Accounts / Spot hidden resort fees when booking travel \\ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark talks gas prices and other increases he didn’t see coming. What’s happening and what you can do about it to protect your wallet. / Peloton has seen huge growth during the pandemic. Now they're refusing to recall their treadmills despite a call from the CPSC to do so. Clark discusses corporate behavior and treadmill safety. Ask Clark topics include: Get started with Medicare / Umbrella Insurance Policy / Ibotta Review / Costco extended warranty / Series I Savings Bonds - TreasuryDirect - Individual - Series I Savings Bonds \\ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Dwellings are the largest expense we have and a key determinant of financial health. Clark describes obstacles to and different types of ADUs - accessory dwelling units - a win-win for landlords and renters. / The trucking industry is short of drivers and pay is going up. Many companies provide training. Also, the Federal Reserve reports small businesses have been far more resilient than anticipated and there is less dislocation than feared. Learn how the table is set for a really strong small business recovery. Ask Clark topics include: Paying cash to a contractor / Lumber costs / Guide to DIY Home Security Systems / Costco members: Ring wireless 10-piece security kit for $180 - Clark Deals / How to Freeze Your Credit / How to Buy a Used Car / Petal Card Review: A Good Option for First Credit Card? \\ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

3 class action lawsuits found game developers and content providers violating the law, tracking and building profiles on children. We need punitive legislation and parental oversight. There are programs to help parents monitor and limit their children online. / Two years ago, as a board member of the Prostate Cancer Foundation, Clark first heard of liquid biopsies, blood tests with DNA screening for cancers and potentially the Holy Grail of diagnostics. Clark updates the progress of this testing, where it is now in the marketplace and its cost history. The biggest problem remains the avoidance of medical care. Regular check ups make a big difference. Ask Clark topics include: Is silver a good investment for you? / Termite Bonds - recommended / All SCOTTeVEST Travel Jackets / How To Find and Choose a Financial Advisor / Schwab automated investing with unlimited guidance | Charles Schwab \\ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. There are significant changes for individuals and families that buy their own compliant health insurance policies. A special enrollment period extends through August on Healthcare.gov. If you have a tight income and don’t have health insurance, Clark explains why you should apply now and double check for subsidies. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Home buyers are squeezed right now, having to pay more. Clark discusses the supply problem and the logic behind his new rule on your ownership cycle. / Extended service contracts, insurance coverage and warranties on electronics & appliances is a key profit push for retailers. Clark explains what type of insurance you actually should have. Plus, why Clark is neutral on vehicle warranties and what he recommends. Ask Clark topics include: Going solar / Home remodeling / Replace a lost Social Security card / Identity theft / Car Insurance // Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark reviews the new Best Buy membership program as they compete with the bigs - Amazon Prime, Walmart+ & Costco. Retailers are challenged to connect in new ways. CVS and Walgreens are also offering memberships. / Clark & Christa are testing out T-Mobile’s home internet. Hear their verdict on this flat rate alternative to traditional home internet. Simultaneously, more zip codes in the U.S. are able to get Starlink internet from SpaceX, offering high speed unlimited data, soon to blanket the nation. Ask Clark topics include: How to Open a Roth IRA / Index Annuities / Target Retirement Funds / How to Freeze Your Credit / Google Flights // Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re always being tracked online but there are browsers and extensions to help protect privacy. Clark has tested a couple and reports on ease of use. / How most of us buy a car is a giant rip off. Clark explains how the game is played and how to obtain - or refi your loan the right way. Ask Clark topics include: Deferred Compensation Definition / How to Open a Roth IRA / Investing Guide / FDIC: Deposit Insurance FAQs / Best Online Banks / Travel Insurance / Should You Buy Out Your Leased Car? / Charles Schwab Bank Debit Card Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re seeing more focus on how to reach and teach young people about money. There’s collateral damage due to lack of financial education. Some high school programs exist. TikTok is now offering financial teachings of the basics of personal finance. Starting at age 6, the more parents can talk to kids and teach by example about saving and making money decisions, the better. // Tax policy in the U.S. is a ridiculous mess, and changing all the time. How we do taxes should be non-partisan. But taxes are used to settle scores to the great harm of individuals and economic growth. If Clark ruled the land, how he would make taxes more equitable and understandable. Ask Clark topics include: Guide to DIY Home Security Systems - Wyze Cam smart security camera for $20 - Clark Deals / Taxes Archives - Clark Howard / Experian Boost Review / Free Advice: Clark’s Consumer Action Center - Clark Howard // Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts from the site with Clark. Submit yours at Clark.com/ClarkStinks. A new federal law allows employers to pay toward employee student loan debt or for a portion their education, through 2025 - tax free for the recipient, deductible for the employer. Clark explains this voluntary benefit - a win-win. Clark Stinks & Ask Clark topics include: Consumer Reports- printers / Two-factor authentication with Cash App / Insurance subrogation / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Historically, 529 plans owned by grandparents negatively impacted the student’s financial aid profile. That changes this fall. Clark explains the new FAFSA rule, and the WRONG way to set up a 529 account. / The Facebook data breach involves more than half a billion people around the world. What info criminals have and what you need to do to protect your identity and your wallet. Freeze Your Credit. Security is not part of the principle architecture of how the internet works, leaving each website to protect its info. Advice for website owners who collect personal information. Ask Clark topics include: Student loans: start with federal borrowing / 7 Best Ways to Save for Retirement in Your 50s / Best Credit Cards for Extended Warranty / Online education / Authorized user / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Economic fallout from Coronavirus: Clark explains why, as we enter economic recovery, a homeless problem appears. Also, auto loan delinquencies are up. Clark's NEVER rule for car buying. / Jobs are roaring back in the U.S. - Why this decade could be a golden age for workers. Ask Clark topics include: Clark's Maximum Auto Loan Length Rule / How To Spot Financial Abuse of an Elderly Relative or Friend - Clark Howard / How to Buy a New Car / How to Buy a Used Car / How to Open a Roth IRA / Credit Freeze // Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

New reviews of affordable printers indicate great improvement. The HP business model means high prices for ink. Epson and Brother have that option, plus, more costly printers requiring very low cost ink which saves big$ over time. / Car rental prices have spiked in many areas. Clark has some workaround strategies to use until costs normalize. Ask Clark topics include: Charitable Gift Annuity / 7 Things To Know Before You Buy Gas at Costco Wholesale / How to Stop Robocalls for Good - Combating Spoofed Robocalls with Caller ID Authentication | FCC / Is a Home Warranty Worth the Money? / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

A new debt collection rule may kick in this November allowing collectors to contact consumers via email, text and direct messages on social media, with no frequency limits. Regardless, it’s essential to know your rights with debt collectors. Clark offers some key rules to help protect your credit. / As we transition from traditional pay TV to streaming, we can end up paying more if we’re not careful. Are you topping $100 a month? Do you watch every service you’re signed up for? A Clark assignment. Ask Clark topics include: How to Deal With Medical Debt / Identity Theft Guide - Clark Howard / The Best Car-Buying Services in 2021 / Disability Insurance / Companies That Buy Houses for Cash // Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / Glorified Vending Machines: Unstaffed robotic cooking centers, sometimes seen in airports, are coming to neighborhoods - open 24/7 with reduced labor costs. Meanwhile, convenience store operators realize they can’t live by gasoline sales anymore, with gas sales declining as people migrate to electric vehicles. Chains are experimenting with affordable fresh food offerings. Clark Stinks & Ask Clark topics include: PODS for interstate moves / How Many Credit Cards Should You Have? / How to Find and Choose a Financial Advisor / Vehicle Buying Guides / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark attempts to explain NFTs (with an assist from SNL) & blockchain and gives his take on this novel craze. Also, fully vaccinated, Clark’s back in stores and finds himself spending ...more OR less? Ask Clark topics include: ETF Guide / HSA - Health Savings Account / Amazon MTurk Review / Save on dental care / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

One effect of the pandemic has been forced early retirement for many. Only 38% of the workforce is 55 and older. Why employers are working against their own self interest and that of the U.S. economy when they discriminate against older workers. Short term thinking makes for short lived companies. Companies that stand the test of time treat workers well. / A first for Clark - renting storage. What you can learn from his process. Ask Clark topics include: Refinancing a car loan / Appliance purchases / Unemployment insurance fraud / The Airline & Hotel Pandemic Vouchers that May Prove Worthless-WSJ - Be flexible / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The beauty of automatic enrollment into retirement plans for employees, and why Clark loves target retirement funds. / How Clark got scammed! - Almost. Yet another reason to check your statements. Ask Clark topics include: 529 Plans / Submit a complaint | Consumer Financial Protection Bureau / Toddler Saved By Anti-Choking Device / Home insurance unjust denial - File complaint with your state insurance department. / Car rental prices escalate -Turo - Getaround. / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hospital systems have conspired to prevent prodcedure & surgery price comparison. Clark explains how they skirt the law, and why hospitals remain the biggest problem with the cost of healthcare. / Fraud hacks into Venmo, CashApp and Zelle have become a massive problem, with no customer service. Clark explains a way to keep your primary account from being drained by crooks. Ask Clark topics include: Custodial Roth IRA / Authorized credit card user - Petal Card / Best and Worst Home Insurance Companies / Amex Send & Split with Venmo & PayPal: Send Money and Split Purchases / Car Rental Ireland / Betterment / Military & Veterans Guide / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / It would be pennywise to retire the penny. Clark counts the ways. Clark Stinks & Ask Clark Topics include: T-Mobile needs a reset / Tire Rack / Your Guide to DIY Home Security Systems / National Guard and Reserve Benefits / How to Find a Good Moving Company / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

JOBS: Microsoft Survey Says - Over 40% of workers want to quit their jobs. This creates job rotation moving forward, and new opportunity. Also, the pros & cons of remote working as the hybrid return to work evolves. / Student loan mills feeding for-profit schools left a trail of disaster for borrowers cheated out of an education. Now these borrowers can reapply for student loan forgiveness. Check out affordable training opportunities including Google Certificates. Ask Clark topics include: How to open a Roth IRA / Monthly recurring charges - file a BBB complaint / AARP College Grants - Scholarships for Senior Citizens / How to Get a Power of Attorney From a Jail Inmate / IRS-Get An Identity Protection PIN / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses proceeding with caution after vaccination, herd immunity and economic recovery. Step by step the economy will gain strength as people get out and about more. Expect stronger economic activity as we move through 21. / Today, Royal Caribbean is taking reservations for a June cruise out of the Bahamas with no U.S. stops. It's a start for cruise travelers. But beware "phantom booking" with cruise lines - a Clark warning. Bookings are up overall in the U.S. as people prepare for summer travel. Look at travel in and near the U.S. as quarantine requirements continue. Ask Clark topics include: HSA Accounts / Index Funds / Credit Freeze / Travel Safety / Home equity loans and HELOCs / Credit Cards / Home Owner's Title Insurance / Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

With the rise of hybrids and electric vehicles, the gas tax for road maintenance has got to change. Some states are already going about mileage taxation. Clark explains what's around the bend. / An industry disrupted brings sticker shock to new furniture showrooms. Clark has a better way to feather your nest... Ask Clark topics include: Save on car insurance / Pay per mile car insurance rates / DOT.gov Consumer Complaint / 3-D Printed Homes / How to buy a used car Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the supply & demand factors affecting the price of gas and what to expect at the pump. / A purchase and donation warning from the head of Team Clark’s Consumer Action Center - Another good reason to check your bank & credit card statements monthly. / The banking sector seems culturally incapable of becoming a customer focused industry. Meet the outsiders making a difference. Ask Clark topics include: Social Security problem: file a complaint through your Office of Constituent Services. / Remote worker non-resident tax issues - Hire a CPA or Enrolled Agent. / How to open a Roth IRA - Target Retirement Funds / Roth vs. traditional 401(k) Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / Deadline Extended: Check Your Credit Report Every Week for Free - Clark Howard Clark Stinks & Ask Clark topics include: Cell phone insurance, Airbnb Superhost, Kids & Money -Clark's daddy match, Taxes on individual stocks. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains who qualifies for the new 6 month COBRA healthcare subsidy and how it works. Also, with so much focus on privacy violations, how Google has become proactive when it comes to tracking you for targeted ads. And you may want to shut down permissions for cell phone carriers engaging in extreme spying. Clark argues for opting in, versus having to opt out. How To Opt Out of T-Mobile’s New Ad-Targeting Policy - Clark Howard Ask Clark topics include: Domain registration 5 & 10 year deals, Free trip to the Bahamas- a rip off since the 1980's, Spotting warehouse club clearance items, WhatsApp privacy changes, Index funds. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The pandemic 1 year in - Clark discusses the impact of vaccines on recovery and the emerging Covid passport. / Buying vehicles is in transition as electric vehicles gain range and become more affordable. Direct online versus dealer purchases are in play. Why it's riskly buying a new gas engine vehicle now. Ask clark questions include: Vaccination and Covid test form privacy concerns - Credit Freeze, Travel Insurance, Bitcoin IRA or Savings not recommnended, Zillow zestimates. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark reveals what's led to bulk purchase of fake reviews on Amazon & how to read between the star ratings. / Almost 30% of new vehicles for sale now cost over $50K! That’s why most people buy used. 2 areas of the used sector have your best bet on price. Ask Clark topics include: Target Date Funds, Peacock Streaming Service Review, Robinhood-SEC Investor Complaint Form, Clark Howard's Special Rule for Refinancing Your Mortgage, Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

More than half of all consumer complaints filed with the CFPB concern credit report errors, likely related to the bureaus' waiver from CARES Act compliance. Don't wait until this affects your financial life - A Clark smart vigilance assignment - and it's easy. / Pretext phone calls, emails & texts keep coming, ever more sophisticated. Clark's strategy helps keep you 1 step ahead of criminals. Ask Clark topics include: The merchant lied -Clark didn't buy the warranty: Clark's endorsement policy, If you can't pay your credit card bill, The Best Credit Cards for Small Business Owners, Why Entrepreneurs Should Avoid Business Credit Cards, MLMs. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks / 2021 policy renewals are using 2019 mileage to set premiums. Clark explains how to handle this and how to save on car insurance overall. Clark Stinks topics include: Long Term Care Insurance, 6 Things To Know Before You Sign Up for Visible, If you use multiple pharmacies, make sure they each have a list of your meds, JOB CORPS, Spousal Roth IRA, Citi Costco Card benefits still include car rental coverage. Ask Clark topics include: Getting out of debt, Home Warranties, HVAC Freon. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

63% of 2020 homebuyers made an offer on a house - sight unseen. Why a virtual tour is not enough. Half of all cell phone users have never lost or broken a phone, so do you need a service plan? 3 Clark smart ways to protect your phone Question topics include: Additional fees on a used vehicle purchase / Beginner investing / Home refi decision making Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Innovative building methods, including 3D printing, are more efficient, cut construction costs and produce highly energy efficient housing. / Sick of spam calls? Clark has some strategies to help eliminate them. Ask Clark topics include: Life Insurance and How to Buy a Used Car in 7 Steps - Clark Howard. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt looms over intact or improved finances during recovery. Hold any gains and beware the buy now, pay later option on small purchases. 3/4 of users dropped their credit scores. / Picking up the Pieces: Rare opportunity exists to open businesses with less cost and less risk, especially in the restaurant industry. Ask Clark topics include: Car rental insurance, Internet based business phone systems - Ooma & 8x8, Trip Adviser for vacation planning, Do Not Give Your Social Security Number at These Places, Wyze Cam smart security camera for $20 - Clark Deals - Your Guide to DIY Home Security Systems - Clark Howard. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're convenience and price oriented, Walmart+ shines and is worth checking out. / iBuyers have brought convenience to home selling. Now Zillow brings more certainty to the process. Clark offers a smart approach to selling your home today. Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide, How to Get a Mortgage in 8 Steps, Hiring a Fee-Only Financial Planner, What is a Fiduciary Financial Advisor?, ProtonMail is free, encrypted email, WhatsApp's new terms are an invasion of privacy. Alternatives include Signal. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts and Clark responds. Submit yours at Clark.com/ClarkStinks. / There are major disruptions in the housing and rental markets now. Several factors figure into the current housing crunch. Clark explains what to consider when making the decision to rent or to buy this and next year. Ask Clark topics include: Borrowing from your 401k, Marijuana stocks, Pet Insurance. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Just under half of people surveyed believe it's best to leave a balance on a credit card - and other money myths that don't serve you well. / Extended warranties on vehicles - when, where and IF you should ever buy one. Ask Clark topics include: What Is a Fiduciary Financial Advisor and Do I Need One?, 529 Plans. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Urbanization and climate changes are increasing flood risks. Premium adjustments are coming from the National Flood Insurance Program as the Feds realign risk levels. It's vital for homeowners and potential buyers to know the risk level of any property. FloodFactor.com - FloodSmart.gov. // Mobile young adults are renting furniture these days - convenient but is this cost effective? Clark tells you how to get the most from your furniture dollars. Ask Clark topics include: W-4 withholding confusion, Community Property, Buying individual stock picks vs. index funds, Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Paramount+ launches this week. Check out the lineup and see if the promotion for early subscribers is right for you. Also, why you may see DirecTV prices go higher. / Unemployment Insurance has expanded eligibility by executive order. Depending on state, delays continue. Clark has application advice to facilitate the process. Ask Clark topics include: Home Internet, Best Online Banks, How much cash should you keep at home. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

PPP - This time is different. For the next 9 days, businesses with less than 20 employees can apply exclusively. Non-banks, meaning credit unions and fintechs, play fair. This money IS available with loan forgiveness if eligible. / Clark advises on when & how to book air travel for later this year into early 22 - before prices go "sky high" with increased demand. And, should you should consider cruises? Ask Clark topics include: Resource for entrepreneurs - SCORE.org, T-Mobile Money is awesome, The Southwest Companion Pass. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks. / Transformation in the supermarket industry is creating major savings opportunity for you. Clark points to your lower cost options. Ask Clark topics include: Should I Stop Paying My Student Loans Right Now? - Clark Howard / ABLE accounts: A tax-free way for parents of disabled kids to save for the future-Clark Howard Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Facebook owned WhatsApp is changing terms of service allowing them to invade privacy. Clark's warning and alternatives. Also, the Kroger data breach is part of an overall massive breach affecting many companies. Resist breach fatigue and freeze your credit if you haven't yet. Ask Clark topics include: Bill reduction services, Robocalls, Credit cards ditching car rental coverage. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of the Pivot: Job demand is up in some areas. Clark offers guidance on finding active job categories and transferring your skill set outside the box. Some who have pivoted have increased their incomes. Also, when your employer offers no retirement plan or match, Clark gets you started on handling your own future financial security. -How to Open a Roth IRA - Clark Howard. / Ask Clark topics include: Trekz earbuds, employer 401K security freeze, The dangers of Zelle. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark recommends long-term investing and welcomes Marcus Invest from Goldman Sachs for small investors, akin to Wealthfront & Betterment. Also, PPE cost money and the charges are being passed on to you. Be aware when paying extra. Ask Clark topics include: Timeshares and Credit Cards. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

How Ford's new Blue Advantage car buying program stacks up to CarMax & Carvana and why now isn't the time to buy a new vehicle. / Verizon's discounter Visible has an improved plan that could save you major money. 6 Things to Know Before You Sign Up for Visible - Clark Howard Question topics include: Canadian savings accounts, 10 Ways to Save on Prescription Drugs - Clark Howard, the Bumped app has changed, Why You Should Never Sign Up for Overdraft Protection - Clark Howard. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks. A poll finds many teens and young adults believe a high school education is enough to earn a decent living. Generally, more education is needed for stable employment, via state technical schools and/or colleges. Clark lists the best paying jobs out of college and explains you don't have to go into massive student loan debt to earn a college degree. Question topics include: Amazon reviews / Finding a reputable home appraiser / Credit card application denial - Credit reports Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Rule changes for renters and home buyers have occurred. Renters facing eviction have rights, but must verify economic hardship and follow procedure. Clark explains what forebearance now exists for FHA, Fannie Mae or Freddie Mac mortgage holders and payment strategies. Crimes stats are up. Extra measures you can take to help prevent car theft and break-ins Ask Clark topics include the virtual mailbox in the absence of a physical home address, how to protect the Schwab debit card Links mentioned: CDC form to avoid eviction for apartment renters / Hello Landlord – by SixFifty / Federal Register Notice: Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 | CDC. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

If you must do high-frequency stock trades, Clark gives you the tax-smart way to proceed and explains the beauty of index funds. / Surprising news and Clark smart direction on the job front. Clark answers your questions: Youth banking accounts / How to spot a car wrap scam / WYZE home security Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Mark Cuban Cost Plus Drug Company offers more affordable versions of expensive generic drugs / Vaccine fraudsters are after your money and personal information. Clark explains the red flags to look out for. Clark answers your questions: Sports programming on streaming channels - check T-Mobile Tuesdays for free MLB. / Kill A Watt electricity usage monitors / Able Accounts / HSA Accounts Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how state and local revenues are faring so far in the pandemic. Ponzi schemes are alive and well. Know how the game is played, so you don't get played. The Ponzi Scheme Blog. Clark fields questions on 3 to 5G security system monitoring / How tax credits on electric vehicles work. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares the Clark Stinks posted on the web and shares with Clark. Submit yours at Clark.com/ClarkStinks. The CFPB has launched a probe into Venmo's debt collection practices. Clark tells you what you need to know about using these payment apps so you don't lose money. Question topics include: cable company problems and where to get a nice mattress for a reasonable price. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices