The Clark Howard Podcast

Today, Mortgage Recasting 101. Clark explains how this type of payment works, when it might be appropriate, and mortgage recasting vs principal prepayment. Also, many fast food restaurants are innovating through apps, AI - and a whole new era of vending machines. Mortgage Recasting: Segment 1 Ask Clark: Segment 2 Fast Food Innovations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgage recasting: What it is and how it works Submit a complaint | Consumer Financial Protection Bureau Is a HELOC a Good Idea? The Simple Answer HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Should I Purchase a Prepaid Funeral Plan? Clark Howard's Important Advice on Funeral Planning Low-Cost Cremation Services: 5 Things to Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - with the rapid rise in home values, property taxes have gone up all over the country. North Dakota tried and failed to eliminate property taxes on election day, and other states are trying to figure out a way to give homeowners some relief. Also today - there’s a trend in the country that has both positive and negative consequences - “unretiring”. Clark discusses a different way to think about retirement that can help ease the transition for many. Property Taxes: Segment 1 Ask Clark: Segment 2 Tiered Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster Amortization Calculator and Schedule - Clark Howard What Is Term Life Insurance? Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps Thinking About Unretiring? You’re Not Alone Is It a Good or Bad Idea To Buy a Rental Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time. Clark Stinks: Segments 1 & 2 401(k) Super Catch-Up Provision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why I Think Medicare Advantage Plans Stink - Clark Howard The American College of Trust and Estate Counsel: ACTEC What To Do if Your Flight Is Delayed or Canceled Older Workers Can Now Supersize Their 401(k) Savings - WSJ 401(k) Calculator (Clark.com) Roth vs. Traditional 401(k): What's the Difference? What Is a Solo 401(k) and How Does It Work? 5 Sneaky Ways To Improve Your Credit Score Journal of the American Medical Association The New England Journal of Medicine | Research & Review The Lancet | The best science for better lives Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Since the earnings rate on I Bonds changes every six months - Clark has updated advice for savers. Also - Clark’s “three favorite children” in the financial world, Vanguard, Schwab and Fidelity, aren’t perfect, and he calls them out where needed. At the moment, there’s an issue with Fidelity that investors need to know about. Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 Fidelity Investments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 6 Things To Know About Series I Savings Bonds Why Clark Says It’s Time To Dump I Bonds 17 of the Best High-Yield Online Savings Accounts in November 2024 Best Prepaid Cards: Top Debit Card Alternatives Fidelity And Ex-Advisor Agree to End Lawsuit Over High-Fee Investments How To Open a Roth IRA Fidelity Investments Review: Pros & Cons The Best Places To Buy Hearing Aids (Clark.com) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re in the market for a giant screen TV this holiday season - Clark’s got news to help you Save More. Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable. Big Screen TVs: Segment 1 Ask Clark: Segment 2 Employer Enlightened Self-Interest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - TVs Are Online ESA Letters Legitimate? Even large corporations should consider employee ownership. Here’s why Should I Refinance My Car Loan? 4 Questions To Ask Yourself Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure your charity dollars are used effectively. Update: Homeowners Insurance: Segment 1 Ask Clark: Segment 2 Safe Charitable Giving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Homeowners Insurance? How Much Homeowners Insurance Do I Need? Homeowners Insurance Archives - Clark Howard What Is a C.L.U.E Report and Its Impact on Your Insurance How Often Should You Re-Shop Insurance? Clark's Take: Should You Invest in Stocks at All? INVEST & RETIRE - Clark How To Choose the Best Charities for Your Donations (Clark.com) Best 2% Cash Back Credit Cards: 9 Options in 2024 Cash Back Credit Card Calculator Tool Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has new advice for booking domestic flights and the new airline rule on refunds figures into the way you should now search for fares. Also in this episode, Amazon is expanding their medical offerings. Clark has some experience using Amazon health services and shares his insights into this option. One Way Flight Search: Segment 1 Ask Clark: Segment 2 Amazon Medical Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money With Google Flights The Best Day and Time to Book a Cheap Flight What's the Best Way To Send Money Overseas? Best Credit Cards With No Foreign Transaction Fees in 2024 The No Surprises Act's Prohibitions on Balancing Billing Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The percent of income we save, our savings rate - is the key indicator of financial health. So how are we doing right now? Also - How much exercise do you really need to make a difference in your health, and ultimately your wallet? Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark’s Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport. Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, everyone said the touchscreen ordering systems at places like McDonalds were going to cost jobs, but have they? Clark shares some interesting findings and historical perspective on how technology affects jobs. We’re off Thanksgiving week but will post some favorite episodes. If you’re shopping deals, make sure you’re subscribed to our Clarkdeals.com newsletter. The team will update deals all week, with the exception of Thanksgiving day. Happy Friday and enjoy the holiday! Clark Stinks: Segments 1 & 2 Robotics, Efficiency & Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Money Lessons From Clark Howard's Trip to Europe Changing Jobs? Don't Make This Costly Retirement Mistake What Can I Safely Use for Peer-to-Peer Payments? Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Best Free Password Managers: 10 Top Picks 5 Tips To Protect Your Digital Privacy Safe Browser Alternatives That Promise Not To Track You Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you. Return Policies: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find and Compare Phone Plans - Clark.com Budgeting Basics: What You Need To Know To Get Started Best Budgeting Apps in 2024: Our Top 5 Budgeting & Saving Archives - Clark Howard The Best Place To Buy a Mattress How Can I Get Rid of My Old Mattress Cheaply? Should I Freeze My Credit With the Other Credit Bureaus? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a special guest joins the show - Charis from our ClarkDeals team shares the best deals of the holiday season and what to look out for. Also today, Clark lends perspective on post election confusion around the stock market right now. Holiday Deals: Segment 1 Ask Clark: Segment 2 Direction For Investors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CLARK DEALS How To Find Cheap Flights in 3 Easy Steps Best 529 College Savings Plans By State NYTimes: Even at a Time Like This, Slow and Steady Works in the Stock Market Invest & Retire - Clark.com Southwest Airlines $500 Email Delivery Gift Card Southwest Airlines: $500 eGift Card Credit Card Car Rental Insurance: What You Need To Know Is a HELOC a Good Idea? The Simple Answer HELOC vs. Home Equity Loan: Similarities and Differences Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Buying a home vs renting is a tougher decision these days, with several factors and new considerations to keep in mind. Also in this episode, since the long term care insurance industry is broken and financially prohibitive in its present collapsed state, how do you prepare for the assistance you may need in old age? Renting Vs Buying A Home: Segment 1 Ask Clark: Segment 2 Long Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Online Banks: Free Checking and High-Interest Savings Accounts Are You Actually Earning Cash Back on Groceries With Your Credit Card? Capital One Shakes Up Its 'Savor' Line of Credit Cards They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead How Do You Prepare for the Likelihood of Long-Term Care Costs? Living Will and Durable Power of Attorney: Frequently Asked Questions CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024 What's the Cheapest Way To Replace a Lost Vehicle Key Fob? 3 Ways To Get a Free VIN Check Before Buying a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle. Solving Saving For Retirement: Segment 1 Ask Clark: Segment 2 The Marginal Propensity To Consume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The dangers of underestimating your retirement Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros Best Financial Advisors in 2024 Vanguard Personal Advisor Review What to Do When You're Being Harassed About an Old "Zombie Debt" 10 Ways To Save on Prescription Drugs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the percentage of people being taken by scams continues to rise. Know how to recognize the common themes in prevalent scams right now in order to better protect yourself. Clark Stinks: Segments 1 & 2 Scam Recognition-Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Consumer Reports: Best Most Reliable Used Cars Roth vs. Traditional 401(k): What's the Difference? How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? Should You Ever Book a Nonrefundable Hotel Room? What Is Umbrella Insurance and Do You Need It? Why You Need To Re-Shop Your Car Insurance Right Now Hang up on unwanted calls about loans Is that gift card helping your congregation or paying a scammer? Did you get a call or email saying you missed jury duty and need to pay? It’s a scam Americans can now renew passports online and bypass cumbersome paper applications Submit a complaint | Consumer Financial Protection Bureau Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s important to protect your privacy online and there are some simple things you can do to stop the sharing of your data when visiting websites. Also, Clark shares news on the state of the auto industry, and what it means for car buyers. Protecting Online Privacy: Segment 1 Ask Clark: Segment 2 Auto Industry Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Safe Browser Alternatives That Promise Not To Track You Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 7 Things To Know Before You Use Zelle Safer Ways To Send Money When Should You File a Claim on Your Homeowners Insurance? 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster Should I Convert a Traditional IRA to a Roth IRA? - Clark.com How To Buy a Used Car - Clark.com Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Amazon and Walmart are retail behemoths in a market share fight, and Clark shares 2 new ways you can benefit, including a discount deal on gas. Also today, how much does mindset play into your success at work? More than you think! Amazon & Walmart+: Segment 1 Ask Clark: Segment 2 Positivity - It Really Works: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Prime introduces a new benefit to save on gas USA TODAY: Walmart unveils Black Friday plans: When customers can expect deals Amazon targets Aldi and Target with a new lineup of ‘no-frills’ groceries How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Phone Plan Finder – Find the Best Plan For You - Clark.com Cash Back Credit Card Calculator Tool / Clark - CALCULATORS Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a part of the sandwich generation, caring for children and parents at the same time? Clark talks about the unique challenges involved, and ways to prepare if you foresee this often difficult squeezeplay in your future. Also today, as we move into the winter weather holiday travel season, Clark shares strategies for dealing with delayed or canceled flights. The Sandwich Generation: Segment 1 Ask Clark: Segment 2 Holiday Flight Tips: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Clark-Approved Way To Invest in Real Estate Roth vs. Traditional 401(k): What's the Difference? How and When To Refinance Your Mortgage: A Step-By-Step Guide How To Improve Your Credit Score in 5 Key Areas The Best Ways To Protect Yourself Against Airline Cancellations FlightAware - Flight Tracker / Flight Status AutoSlash Review: How To Save on a Rental Car Car Rental – Search, Compare & Save 5 Things to Know About the Costco Car Rental Program Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A Special Veterans Day Thanks To All Who Have Served, Past, Present and Future. Today Clark goes back to basics, explaining how to determine if a robo advisor or a financial planner is best for you. Also, how rent control can distort a market and limit housing supply. Investment Advisors: Segment 1 Ask Clark: Segment 2 Rent Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Who Should Use a Robo-Advisor? (Clark.com) Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor (Clark.com) Robo-Advisors - Clark.com / 5 Best Robo-Advisors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? How Much Does a Financial Advisor Cost? Best Financial Advisors in 2024 What’s the Best Place To Get Investing Advice From an Advisor if I Have Limited Assets? 3 Places You Should Never Invest Your Money Stripe, Inc. | Better Business Bureau® Profile Good2GoMobile / CELL PHONES - Clark.com Phone Plan Finder – Find the Best Plan For You - Clark.com Military and Veterans Guide: Free Resources for Your Finances 25+ Places That Offer Discounts to U.S. Veterans Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark shares insights from his man on the street retirement survey. Hear the questions he put to those surveyed and see how your answers compare. Clark Stinks: Segments 1 & 2 What Clark’s Retirement MOTS Survey Reveals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Walmart+ Membership Program: 4 Things To Know These Are the Credit Cards in Clark Howard's Wallet My 7 Rules for Using Credit Cards - Clark Howard Roth vs. Traditional 401(k): What's the Difference? Changing Jobs? Don't Make This Costly Retirement Mistake Should You Rollover Your 401(k) to a New Employer? How To Make the Right Decision What Should I Do With My 401(k) at My Old Company? What Is a Flexible Spending Account? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A trend among young adults economists call “doom spending” is of concern. Clark addresses why this is happening and offers a different perspective. Also today - why it’s so important to be an advocate for yourself when it comes to your health, and Clark is living proof. Costly Pessimism: Segment 1 Ask Clark: Segment 2 YOU Are Your Best Health Advocate: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Ever Lease a Car? CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024 How To Find a Trustworthy Mechanic We Tried to Shop Our Way to Cheaper Car Insurance. It Didn’t Work. How to Shop for Lower Car Insurance - Clark.com Car Insurance Archives - Clark Howard Axios: AI fuels cancer breakthroughs Future of Health | Medical & Healthcare News Roth vs. Traditional 401(k): What's the Difference? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TV viewers endure an unrelenting barrage of pharmaceutical ads. A recent study reveals information about these ads that every consumer needs to know, plus hear Clark’s recommendation for vetting medicines. Also, mortgage holders with high interest rates are waiting to refinance, but there’s another payment strategy that can save you big bucks over time. Drug Ad Deceptions: Segment 1 Ask Clark: Segment 2 Mortgage Pay Down Method: Segment 3 Ask Clark: Segment 4 Mentioned on the show: With TV Drug Ads, What You See Is Not Necessarily What You Get Price-Matching Policies at Walmart, Target and Other Top Stores How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees Use These Tips To Pay Off Your Mortgage Early Mortgage Calculator with Extra Payments / Calculators - Clark Howard What Are Index Funds? Investing & Retirement Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - remember shrinkflation? It’s not entirely over but some manufacturers have heard the complaints and are changing course. Also - There are sundry reports these days about post-pandemic young workers having difficulty landing jobs and adapting to new work places. Job interviews have changed and it’s vitally important to understand the basics of how to prepare and conduct yourself during an interview for employment. Shrinkflation Reversal: Segment 1 Ask Clark: Segment 2 Job Interview Knowhow: Segment 3 Ask Clark: Segment 4 Mentioned on the show: HELOC vs. Home Equity Loan: Similarities and Differences Used Clean Vehicle Credit | Internal Revenue Service Not using these job interview tips can reduce your chances of getting that job The 10 most common job interview questions & how to answer them Video Interview Tips: How To Prepare Do I Need To Accept U-Haul Insurance When Renting a Moving Truck? Should You Get a Store Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The stock market is overvalued these days so many are concerned about a coming correction or bear market. Hear Clark’s take on how best to move forward with your investment goals. Also today, two ways of paying for items over time that Clark wholeheartedly does NOT recommend. Clark Smart Investing: Segment 1 Ask Clark: Segment 2 2 Payment Schemes To Avoid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Investing & Retirement Archives - Clark Howard Warning: How To Avoid Buying a Flood-Damaged Car Lemon laws: These states do the best job protecting consumers in new car purchases Chase Credit Cards Will No Longer Be an Option for These Payments Why 'Buy Now, Pay Later' Worries Clark Howard When does a 0% purchase plan make sense for you? Best Credit Cards With No Foreign Transaction Fees in 2024 The Platinum Card® from American Express Review 2024: Is It Worth It? BBB-File a Complaint Is One Medical Membership for Prime Members Better Than a Health Concierge? Should You Buy Gold at Costco? Warning: How You Should NOT Buy Gold Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark compares the cost of food prepared at home vs eating out. New data on total meal spending shows where we can save more on overall food costs. Clark Stinks: Segments 1 & 2 Save On Food Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Rollover: How To Roll Over a 401(k) How Much of Each Paycheck You Should Save or Invest 10 Ways To Save on Prescription Drugs Android’s theft protection features keep your device and data safe 7 Places to Get the Best Deals on Lab-Created Diamonds The Best Time and Place To Buy an Engagement Ring USDA Food Plans: Monthly Cost of Food Reports What You Need To Do if Your Phone Gets Lost or Stolen Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices ______________________________________________________________ Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Home Depot is doing something that all employers should do. Clark talks about what distinguishes a winning corporate culture. Also today, Help Wanted: electricians, plumbers, CPAs, air traffic controllers, police officers and more. Clark shares opportunities for employment that empower workers to create financial security and personal wealth. Employers Should Know: Segment 1 Ask Clark: Segment 2 Employment Opportunities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AutoSlash Review: How To Save on a Rental Car SIXT rent a car | Premium Car Rental & Top Deals Worldwide 4 Things You Should Always Pack in Your Carry-On How to Freeze Your Child's Credit How To Build Your Credit Score from Scratch How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the societal changes in how college costs are trending now, the existing burden of student loan debt, and the best way to save in a 529 Plan. Also today, Clark has news on the car insurance front. The cycle has turned. Brace for good news and know how to make the most of it. How To Choose A 529 Plan: Segment 1 Ask Clark: Segment 2 Auto Insurance Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State How To Save Money With Google Flights Roth vs. Traditional 401(k): What's the Difference? How to Shop for Lower Car Insurance (Clark.com) How Can I Find Out Why My Credit Score Just Dropped? What Is a Good Credit Score? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Not only does carrying the burden of debt create an enormous amount of stress, but a new poll shows that it affects so much more. Clark discusses how it can even affect your career mobility. Also, Clark talks about the best deals in reliable used cars right now. Debt Paralysis: Segment 1 Ask Clark: Segment 2 Best Deals In Used Cars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Debt Archives - Clark Howard Should You Ever Book a Nonrefundable Hotel Room? Your Guide to DIY Home Security Systems What's the Best Way To Send Money Overseas? Best Credit Cards With No Foreign Transaction Fees in 2024 How To Buy a Used Car (Clark.com) Gablok : the story of an insulated block Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Yesterday Clark talked about using credit cards responsibly to your advantage. Today Clark discusses why he refers to the debit card as a “piece of trash fake Visa”. Know the risks of debit card use. Also - The big pharmacy chains are closing hundreds of stores, and Clark wants to make sure you’re aware of another option for lower cost prescriptions that’s also convenient. Piece Of Trash That Burns Your Cash: Segment 1 Ask Clark: Segment 2 Rx For Less: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Victim of fraud? Protections are different for debit, credit cards. Do Debit Cards Still Stink in 2024? The Safer Way To Use Your Debit Card Why Clark Is Prepared To Break His 'No Debit Cards' Rule HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Hello Mobile Review: 5 Things To Know Before You Sign Up The Best Talk & Text Only Phone Plans (No Data) Phone Plan Finder – Find the Best Plan For You - Clark.com Best Phone Plans: Get Exactly What You Want at the Cheapest Price 10 Ways To Save on Prescription Drugs (Clark.com) Warning: One Way You Should Almost Never Fill Prescriptions How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? Here's How Long Your Home Appliances Should Last Homeowners Insurance Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, there’s a market share war with credit card companies. Competition is hot. So how do you choose? Clark has updated his cards and offers a new tool to help you choose the best credit cards for you. Clark Stinks: Segments 1 & 2 Clark Smart Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do Not Give Your Social Security Number at These Places 5 Big Travel Updates Clark Wants You To Know ETIAS News & Information For Visitors Coming To Europe Best Free Password Managers: 10 Top Picks Do You Know How Much Cash Back You’re Getting? Cash Back Credit Card Calculator Tool (Clark.com) My 7 Rules for Using Credit Cards - Clark Howard Clark Says This Credit Card Mistake Is Like Chasing 'Fool's Gold' Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Capital One Venture X Rewards Credit Card: 6 Things To Know in 2024 Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card New unlimited 2% cash back credit card: Navy Federal cashRewards Plus Card Best Airline Credit Cards for 2024: Are They Right For You? Clark.com - Hearing Aids What's the Best Way To Send Money Overseas? 5 Money Tips To Know Before You Travel Abroad Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Shopping season is upon us and the use of payment apps is commonplace, but more fraud protections are needed. Know the safest way to use these apps including Venmo, Zelle, Cash App & PayPal. Also, when using credit cards, though it hasn’t been required in years, many retailers still have you sign the receipt. Clark has a good idea why that’s happening. Payment App Precautions: Segment 1 Ask Clark: Segment 2 Credit Card Receipts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? 6 Things To Know About Series I Savings Bonds What Clark Says You Should Do With Your I Bonds This Year 6 Things to Know About Refinancing Your Mortgage What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors in 2024 How Much Does a Financial Advisor Cost? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Independent retail chains selling gas and food are becoming an economic force benefiting consumers. So what are the best convenience store chains in the nation? Clark delivers new rankings from the American Customer Satisfaction Index. Also today - One reason the U.S. economy is faring better than most other developed economies in the world is American entrepreneurship. Covid era startups have created over 7 million American jobs. Clark speaks to the potential entrepreneur in you! Convenience Stores Vs Gas Stations: Segment 1 Ask Clark: Segment 2 New Businesses Fuel Economy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Are Unrealized Gains and Losses? How To Buy a Used Car How to Buy a New Car in 5 Steps Roth vs. Traditional 401(k): What's the Difference? National Academy of Elder Law Attorneys (NAELA) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Consumer Action Center is getting a lot of calls about a growing text message scam that appears to be from your credit card company. Know how to spot it so you don’t get taken. Also, Clark shares some ways restaurants at all levels are exploring ways to cut costs. Know what to look for to save more on dining out, including smaller portions for less money. Credit Card Text Scams: Segment 1 Ask Clark: Segment 2 SAVE MORE Eating Out: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Scam: Think Twice Before You Respond to This Credit Card Alert Home Title Lock: Is It the Same As Home Title Insurance? What Is Owner's Title Insurance and Do You Need It? Costco Travel: 5 Things To Know Before You Book Travel Insurance: What You Need To Know Before You Buy Axios: Diamond math What Does a Home Warranty Cover and Is It Worth The Money? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today’s mandatory arbitration abuses trace back to a law passed a century ago, repeatedly upheld to deny citizens their right to a day in court. Clark shares yet another case in point. Also in this episode- open enrollment is an opportunity to choose among health care plans which offer one of Clark’s favorite tools for long term financial security. Should you opt for an HSA - Health Savings Account? Mandatory Arbitration: Segment 1 Ask Clark: Segment 2 The Case For HSAs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Long Should I Save Pictures of My Car Rental? Military and Veterans Guide: Free Resources for Your Finances Where Should I Set Up My Health Savings Account (HSA)?- Clark.com What Is an HSA Account and How Does It Work? Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Refunding Fees for Delayed Checked Bags and Ancillary Services File a Consumer Complaint | US Department of Transportation Elliott Report: Home What Luggage Does Clark Howard Recommend? 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, criminal rings are heavily engaged in cell phone theft now, and they’re after your financials. Know what to do before, and after the loss or theft of your cell phone - just in case. Clark Stinks: Segments 1 & 2 Cell Phone Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Investment Companies for Investors in 2024 Mortgages Archives - Clark Howard 4 Things To Know Before You Buy a Digital TV Antenna How To Watch Local Channels Without Cable What Should You Do if Your Insurance Claim Is Denied? What Is Umbrella Insurance and Do You Need It? One Tech Tip: Here’s what you need to do before and after your phone is stolen or lost SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the recent hurricanes, wildfires, and other natural disasters around the country, Clark has specific advice for home buyers. Also today, as remote work scams proliferate, learn more about how to find legitimate work from home. Flood Insurance: Segment 1 Ask Clark: Segment 2 Legit WFH Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NATIONAL FLOOD INSURANCE PROGRAM Zillow will now show climate risk data on home listings Will Your House Flood? We Ask the Experts When Hurricane Helene hit, this disaster-proof Florida neighborhood kept the lights on Roth vs. Traditional 401(k): What's the Difference? BBB-File a Complaint The six-figure hybrid jobs that are most in-demand Legitimate Work From Home Jobs – How to Find Them (Clark.com) These Companies Are Hiring for Partially Remote Jobs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses what’s going on with U.S. oil prices from a global perspective, in light of potentially escalating conflicts in the Middle East. Also, Medicare open enrollment is underway. With all the upheaval with Advantage plans this year, it’s more important than ever to understand the changes in your plan, and compare your options. Clark has a valuable resource to help you make the best choice. Oil & Gas Prices: Segment 1 Ask Clark: Segment 2 Medicare DisAdvantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Brand of Gasoline Really Matter? Phone Plan Finder – Find the Best Plan For You - Clark.com Consumer Reports -We've Lab-Tested Hundreds of Refrigerators. These Are the 12 Best Fridges of 2024. Medicare Advantage giant Humana reels after ratings cut SHIP State Health Insurance Assistance Program - Navigating Medicare Where You Should Never Buy Travel Insurance for a Cruise Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Vigilance shoppers - With the holiday season already underway, sales are coming and going faster, increasing the likelihood of being overcharged - which happens more often than you might think. Clark has tips on how it pays to pay attention. Also today in retail peril - why you DON’T want to save 10% on your purchase if you apply for a store card. Overcharged At Checkout: Segment 1 Ask Clark: Segment 2 Retail Store Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Reasons Sam's Club Is Better Than Costco Housing market hack: How this family just got their dream home at a 2.5% mortgage rate Subordinated Debt: What It Is, How It Works, Risks How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? 6 Tips to Teach Teenagers About Money 401k Fees: How Much is Too Much? Fidelity Investments Review: Pros & Cons Retail credit card interest rates reach record high Should You Get a Store Credit Card? Cash Back Credit Card Calculator Tool Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In the news we’re seeing stories of travelers stranded and out thousands of dollars, because of the way they booked flights and hotels. Clark explains how to avoid this trap when making your travel plans. Also today, why PBMs - the prescription benefits managers included in many employer insurance programs - are often more costly than self-paying for meds. Clark gives you ways to save more on prescriptions. Warning - Fake Travel Agencies: Segment 1 Ask Clark: Segment 2 How To Shop Prescriptions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Archives - Clark Howard 5 Big Travel Updates Clark Wants You To Know How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion FTC sues drug middlemen for allegedly inflating insulin prices Warning: One Way You Should Almost Never Fill Prescriptions 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? Raisin Review: Can You Trust This Online Savings Marketplace? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also travelers, Clark has new info on Real ID requirements, electronic driver’s licenses and a great new way to renew your passport. Clark Stinks: Segments 1 & 2 New Travel Document Options & Requirements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best deals on TVs available now Credit Score Guide How To Dispute an Error on Your Credit Report and Win How To Cancel & Get Rid of PMI Earlier Report: 5 Best Hotel Rewards Programs for 2024 European travelers will have to pay to enter the UK in 2025 Should I Create an E-Verify Account To Lock My Social Security Number? Do Not Give Your Social Security Number at These Places How To Send a 'Drop Dead' Letter to a Collection Agency What Is an Annuity, and Why Does Clark Think They Stink? Certificate of Deposit (CD): What Is It, Best Places To Open One Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark has an update from the FDIC in the aftermath of the recent fintech meltdown, including the dangers of “blended banking” and how to spot fake savings account offers. Also - if you are in the market for a house, you may see offers for land contracts or seller financing. Know the downsides of alternative rent-to-own type mortgages Protections For Savers - An FDIC Update: Segment 1 Ask Clark: Segment 2 Beware Lease Purchase Type Home Offers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The FDIC Is From the Government and Really Is Here to Help 17 of the Best High-Yield Online Savings Accounts in October 2024 Experian Insurance Marketplace NYTimes: A Mortgage Alternative for Lower-Priced Homes Comes With Risks NYTimes: Consumer Agency Cracks Down on Seller-Financed Home Sales Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Who wants to be a Millionaire? Clark discusses how this level of financial security can be within reach - even for those earning average pay. Also today - given the monumental scope of data breaches, in addition to task number one: freezing your credit - Clark has another tip for securing your identity. We all need to batten down the hatches, and Clark shares an important step to help you do just that. Becoming A Millionaire: Segment 1 Ask Clark: Segment 2 Secure Your Identity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] The 401(k) millionaires club hit a new record. What’s their secret? How To Use an IRA To Become a Millionaire How To Retire a Millionaire With a 401(k) Plan in 19 Years 401(k) Calculator // Saving and Investment Calculator Savings Table – By Rate of Return // Savings Table – By Years Target Date Funds: Clark's Favorite Retirement Investment Roth vs. Traditional 401(k): What's the Difference? 3 Places You Should Never Invest Your Money What Is a Backdoor Roth IRA? Backdoor Roth IRA: Advantages and Tax Implications Explained What Are Index Funds? / What Is an ETF? Why You Need To Go Through Your Online Accounts Use Password Checkup - Guidebooks with Google Elliott Report: Home Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s Special Edition, Clark welcomes longtime friend and colleague, Jonathan Clements. A London born, Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" and seven other books. His vast experience and contributions include serving as financial education director and teacher in various capacities, and as the personal finance columnist for The Wall Street Journal. Mentioned on the show: HumbleDollar: Home Humble Dollar - The C Word NY Times - A Money Guru Bet Big on a Very Long Life. Then He Got Cancer. Washington Post - Opinion Living was easy. Dying is harder. Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard Have a Kid in College? You Need These Legal Documents in Place Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Recently Clark discussed how appealing auto insurance claims can lead to big savings. The same holds true for health insurance - and now there’s a tool to help you make a successful appeal of a denied claim. Also today, HOAs can be very controversial. Clark shares a story with a lesson about a ridiculous action by an aggressive HOA. Appeal Health Insurance Denials: Segment 1 Ask Clark: Segment 2 HOA Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Should You Do if Your Insurance Claim Is Denied? Fight Health Insurance uses AI to appeal claim denials How to Freeze Your Child's Credit How Can I Make Freezing a Young Person's Credit Less Risky? [The Washington Post] To beat the heat, an Arizona man offers free water. His HOA is fining him. How To Buy a House in 9 Steps Who Should Consider Setting Up a Trust? Should You Sell or Stay Put in the Stock Market? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, many people are wary of increasing automation in vehicles, but there’s a vital upside to this new technology. Clark Stinks: Segments 1 & 2 Automated Vehicle Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Big Change to the Sam's Club Rewards Program Why Clark Is Prepared To Break His 'No Debit Cards' Rule What Is Umbrella Insurance and Do You Need It? Clark,com - CELL PHONES 401k Fees: How Much is Too Much? Liability vs. Full Coverage: Which Auto Insurance Do You Need? Cars talking to one another could help reduce fatal crashes on US roads Should I Create an E-Verify.gov Account To Lock My Social Security Number? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage rates are a main concern for prospective home buyers, but Clark has other important considerations that make a huge difference in how much you’ll pay over time. Also, according to the Journal of Alzheimer’s Association, in addition to being the fourth largest cause of death for people age 70 and older in the U.S., dementia costs an estimated $80 billion per year. The good news is - there are preventative steps we can all take. Shopping A Mortgage: Segment 1 Ask Clark: Segment 2 Preventing Dementia: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Get a Mortgage in 8 Steps How To Buy a House in 9 Steps Find and dispute errors on your credit report Submit a complaint | Consumer Financial Protection Bureau Dementia risk factors preventable – addressing them could reduce dementia rates by 45% The Best Places To Buy Hearing Aids How to Freeze Your Child's Credit How To Spot, Avoid, and Report Fake Check Scams Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you hear about the clever woman who sent an AirTag to herself to catch a mail thief? These devices are proving handy for a lot of reasons. Also, what is the best energy source we have in the United States? That’s a trick question. Clark explains. Tracking Devices: Segment 1 Ask Clark: Segment 2 American Power Production: Segment 3 Ask Clark: Segment 4 Mentioned on the show: California woman fed up with stolen mail sends Apple AirTag to herself to catch thief Best 529 College Savings Plans By State What To Do With a Lump Sum, Inheritance or Windfall What Are Index Funds? 10 Ways To Save Money on Car Insurance WSJ: More Th an 40% of World’s Electricity Came From Zero-Carbon Sources in 2023 How To Get a Free Credit Report / How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Make Your Child an Authorized User on Your Credit Card? How To Buy a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares two creative ways to save money on travel. Speaking of travel, do you have vacation time remaining this year? Clark discusses the importance of getting away! Car & RV Rental Deals: Segment 1 Ask Clark: Segment 2 Vacation Time: Segment 3 Ask Clark: Segment 4 Mentioned on the show: One Way Specials | Cruise America How To Find Cheap Flights in 3 Easy Steps FCC.gov- File A Complaint Companies are budgeting billions for an employee benefit that's increasingly unused Vacation Tips for Anxious Workaholics Best Cash Back Credit Cards With No Annual Fee in 2024 Credit Cards That Can Beat 2% Cash Back on Everyday Purchases Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices