With savings rates up and I Bond rates headed down, Clark clears confusion on whether it’s time to buy or sell Series I Savings Bonds . Also, the scales are starting to “tip” when it comes to gratuities. Being confronted with the tip option touchscreen guilt machine is hitting critical mass. Hear how Clark handles this. I Bond Update: Segment 1 Ask Clark: Segment 2 The Ubiquitous Tipping Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Things To Know About Series I Savings Bonds /...
Apr 10, 2023•29 min
For many sports events, fields are actually spray painted to make them look beautiful, which has led to lawn painting , especially where water is restricted and costly. How some homeowners, including Clark - are saving water by altering their lawns. Also, It’s not uncommon for people to pull their investments out of the market when it trends downward. Right now with economic uncertainty, people are rotating out of stocks in favor of savings , planning to return to the market when it’s “safe”. Wh...
Apr 03, 2023•28 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode, scammers steal billions of dollars from Americans each year. Clark shares the FTC’s annual summary of top scams , and has a simple rule for avoiding the number 1 scam on the list. Clark Stinks : Segments 1 & 2 Top Scams & Fraud Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show 6 Tips for Hiring a Contractor Apple Screen Time Passcode NCUA - Na...
Mar 31, 2023•34 min
Millions of workers are leaving open retirement accounts with thousands of dollars sitting ignored or forgotten. If you’ve changed employers over the years, Clark’s has an assignment for you to make sure you get ALL your retirement money! Also in this episode, Amazon has announced their internet service to compete with Starlink. Who wins with the additional options we will have? The consumer! Neglected Retirement Accounts: Segment 1 Ask Clark: Segment 2 Amazon Satellite Internet: Segment 3 Ask C...
Mar 30, 2023•28 min
For parents who want to keep their kids safe, an SUV is often a popular choice. If you’re considering buying an SUV, Clark has a new report from the Insurance Institute for Highway Safety you need to hear first. Also, several states are suing a retailer for overcharging at check-out - a symptom of a systemic problem. Clark has some ways to help you eagle eye your check out prices, and protect your wallet! SUV Safety: Segment 1 Ask Clark: Segment 2 Beware Retail Pricing Errors: Segment 3 Ask Clar...
Mar 29, 2023•28 min
Regardless of what happens with economic cycles, there are clear patterns in the job market that spell OPPORTUNITY - if your aptitude matches the need. Clark points the way to jobs that pay, with and without a college degree . Also, we all pay for heavy losses inflicted by shoplifting rings, and now the cost of shoplifting can feel like more punishment, as retailers use various tactics to fight back. Prepare For Jobs That Pay: Segment 1 Ask Clark: Segment 2 Retail Vs Shoplifting Rings: Segment 3...
Mar 28, 2023•27 min
Travel planning season is here and Clark has good info spanning: airfares and when to travel to get the best prices, Airbnb & VRBO issues , hotel booking and more - so you know before you go. Also - Nobody ever got rich paying Visa or MasterCard 19% interest (or more). Clark addresses discretionary spending that undermines your immediate and distant future. Practices and cognitive biases that get us in financial trouble include impulse buying with borrowed money, and only paying credit card ...
Mar 27, 2023•34 min
Friday - Clark Stinks day! A chance for Clark to learn from you. Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode - Lump sum spring contributions to an IRA for the prior year are not uncommon, and are right for some earners. But that’s the exception - not the rule. Know the most advantageous way to fund your IRA. Clark Stink s : Segments 1 & 2 When To Fund Your IRA: Segment 3 Ask Clark: Segment 4 Mentioned on the show NCUA - National ...
Mar 24, 2023•30 min
Panic has turned to confusion in the wake of the SVB failure. Clark summarizes how we got here, how it differs from 15 years ago, and how the moral hazard in the system should be fixed. Clark breaks it down to 2 key points, and what individuals and businesses with funds greater than the quarter million FDIC limit should do going forward to secure their funds. Also, Clark tells you what’s behind the big streaming service increases and your alternatives . With market changes come new opportunities...
Mar 23, 2023•35 min
With full employment and increased turnover happening concurrently, burnout, layoffs and “ revenge videos ” from ex-employees, it’s a confusing time in the job market. Survey says 80% of those who participated in the great resignation now regret it and are heading back to work. Know the key professional strategies for both finding and leaving a job. Also in this episode, Clark updates his answer to the ongoing question - “is it time to buy an electric vehicle”... with some news from Tesla that f...
Mar 22, 2023•32 min
Though moderating, new and used vehicle prices are still high. And among those who bought at peak prices, late payments are escalating . Clark offers an overview of the car market, plus - direction for those upside down in loans and for would-be buyers. Also, owning smart tech connected devices requiring software services - you buy them, you own them outright, right? What’s the catch ? Clark explains. Vehicle Loans: Segment 1 Ask Clark: Segment 2 The Electronics Subscription Game: Segment 3 Ask ...
Mar 21, 2023•30 min
One area of focus for Team Clark is helping with your monthly expenses including TV and cell phone costs. Clark shares more reasons to save on cell service. New data names cell discounters that offer higher customer satisfaction than the big 3 carriers. Also, shopping for profit: many are having 5 figure success with thrifting resale. Do you have a special skill, experience or interest that can be turned into real value? Cheaper, Better Cell Service: Segment 1 Ask Clark: Segment 2 Side Hustle Su...
Mar 20, 2023•26 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode, iPhone users are being targeted in a way that puts their entire digital life at risk. But there’s a feature that can help protect you from thieves gaining access to your accounts. Clark Stinks : Segments 1 & 2 iPhone Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Should Never Mail a Check How To Open a Roth IRA Should I Invest Instead o...
Mar 17, 2023•30 min
A traditional but long abandoned living arrangement is popular again. Almost 1 in 5 Americans now live in multigenerational households. There are many layers to this, including home design to accommodate wider uses to enhance value. Also, another reason Clark hates gift cards, and a specific warning about where you buy them. Multigenerational Households: Segment 1 Ask Clark - Bank Failure Follow Up & Medical Tourism: Segment 2 Gift Card Purchase Warning: Segment 3 Ask Clark: Segment 4 Mentio...
Mar 16, 2023•31 min
The lay of the land for getaways is changing - Clark shares the keys to saving money on airfare this spring and summer and why a great time for bargain travel lies ahead. Plus, Clark’s updates on passport renewal and airline family seating . Also, as industries emerge from the ashes of the pandemic, we’re seeing increased efficiencies. Clark takes note of changes in the restaurant industry, and - for entrepreneurs - opportunity out of adversity. Travel Updates: Segment 1 Ask Clark: Segment 2 Res...
Mar 15, 2023•30 min
Apple & Google don’t want you to know how to get phone app digital subscriptions cheaper because you taking one simple step costs them commissions. Clark spills - you SAVE. Also - banks are descending like locusts on homeowners fat with equity - with ads to pop that piggy bank! HELOCs are up 50% over a year. Learn the risks, the difference between home equity loans & lines of credit, and Clark’s Rule about the ONLY TIME it makes sense to tap home equity. Avoid In App Purchase Punch: Segm...
Mar 14, 2023•26 min
SPECIAL EDITION - The Failure of Silicon Valley Bank Clark discusses this week’s SVB failure including the strength and scope of this bank, how much of the deposits were insured & the security of funds generally, the impact on businesses and how the federal government has had to step in. Clark also answers initial questions for what will be his ongoing coverage of this event as needed moving forward. Mentioned on the show NYTimes: Regulators Close Second Bank and Move to Ensure Deposits Depo...
Mar 13, 2023•36 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode, good news - rents are dropping all over America, but there’s a unique way to pay even less for an apartment that may suit your lifestyle. Clark Stinks : Segments 1 & 2 Standby Apartment Rental: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - CRUISES When Do You Need a Travel Agent? Planning Retirement Using the Monte Carlo Simulation Retireme...
Mar 10, 2023•35 min
So many people dread the experience of walking into a car dealership and trying to negotiate. Information is power. Clark shares how to do the work up front to properly buy a vehicle, and has a NEVER NEVER rule for buying new. Also, the FSA is an awesome benefit, but only if you USE it. A shocking stat you don’t want to be a part of: Half of workers with this benefit lose FSA money. How To Buy A Car: Segment 1 Ask Clark: Segment 2 FSA: Use It Or Lose It: Segment 3 Ask Clark: Segment 4 Mentioned ...
Mar 09, 2023•30 min
One of the biggest expenses we face is health insurance, and many have turned to medical cost sharing programs & ministries as an alternative to traditional insurance. Clark explains the inherent risks involved with these health care co-ops. Also, a follow up on the Kia and Hyundai theft problems causing auto insurance cancellations for some owners. There are remedies from the automaker which owners of the affected models need to know about. Health Coverage Co-op Warning: Segment 1 Ask Clark...
Mar 08, 2023•28 min
Many Americans are feeling financial pressure, and are trying to save everywhere they can. This has led to the growth of non buying co-ops across North America. Clark discusses Buy Nothing groups and other ways to reduce spending. Also, Clark tells you why you should go into a LASIK procedure with your eyes wide open, to protect both your vision and your wallet. Know the proper steps to take before receiving LASIK surgery. Buy Nothing Groups: Segment 1 Ask Clark: Segment 2 LASIK Considerations: ...
Mar 07, 2023•32 min
Talking about finances has always been a challenge for couples , with new challenges brought on by technology conveniences. It can be an awkward dance discussing money, but it’s vitally important to a relationship. Clark’s guidelines can help get the ongoing conversation started. Also, paper products are costing more, but this time it’s not a supply chain disruption. Hear what’s happening and what to expect, as the price of TP rises once again. Money And Relationships: Segment 1 Ask Clark: Segme...
Mar 06, 2023•28 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also, attendance is down in movie theaters so the industry is trying to reinvent itself with wider offerings beyond popcorn and soda marked up 95%. Preview prices to determine if one-stop dinner & a movie makes for a budget friendly experience. Clark Stink s : Segments 1 & 2 Movie Theater Reset: Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groc...
Mar 03, 2023•30 min
Popshelf is a rapidly expanding, different kind of discount store . Clark checked it out and has a review. Also, potential home buyers are between a rock and a hard place these days. With rising interest rates, we’re seeing more and more low down payment mortgage offers. Clark walks you through the personal assessment required to make the best decision. Popshelf Review: Segment 1 Ask Clark: Segment 2 Low Down Payment Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show Dollar General’...
Mar 02, 2023•32 min
They’re everywhere online - quizzes and surveys. They may seem fun & interesting BUT - the fun is at your expense. Learn how quizzes are used , and why there’s one question they’re always going to ask. Online content presents challenges. Also in the realm of social media, you’ve no doubt heard of “ influencers ,” but you may not realize it goes way beyond the Kardashians. There are some very subtle ways some of your favorite people to follow may be advertising to you. Warning: Online quizzes...
Mar 01, 2023•33 min
Clark shares how he got started and the life lessons that motivated and inspired him to do what he loves doing today - empowering others to live their best lives. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free . Clark BIO: Segment 1 Missing Money: Segment 2 Mentioned on the show About Clark Howard How to Find and Claim Missing Money in Your Name How To Find Mis...
Feb 28, 2023•24 min
If early retirement is on your mind, Clark helps you think through some major considerations. Then go bargain hunting with Clark as he walks you through his favorite discounters and spills the secret pricing codes to look for & what they mean. Retirement Compromise: Segment 1 Saving Hacks At Clark’s Favorite Stores: Segment 2 Mentioned on the show How to Retire Early 6 Challenges To Consider if You Plan To Retire Before 65 Two good retirement planning tools - Retirement - Clark Howard Commun...
Feb 27, 2023•21 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . And today, that goes double. It’s an all Clark Stinks Friday. Mask up for the Reekoning! Mentioned on the show 5 Reasons Why Clark Howard Hates Big Banks How To Find Cheap Flights in 3 Easy Steps / Matrix Airfare Search Avelo Airlines | Official Site | Book Now and Save / Breeze Airways The Best Time and Place To Buy a Mattress What Is Long-Term Care Insurance Cost & Coverage No m...
Feb 24, 2023•29 min
Retailers are using more and more psychological tactics to get you to buy. Know the tricks of the trade to not get played - and avoid impulsive spending. Also, why Clark considers “ annuity ” profanity, but he’d rather have to say it, than to see you pay it. They’re being sold like crazy, disguised by fancy names. Know them when you see them - and the 2 annuity type exceptions. Retail Mind Tricks: Segment 1 Ask Clark: Segment 2 Annuity Warning!: Segment 3 Ask Clark: Segment 4 Mentioned on the sh...
Feb 23, 2023•27 min
Auto insurance has increased significantly in the past 3 years. Clark covers the cost pressures - that vary per insurer - affecting your rates. This is why comparison shopping is more important than ever. Clark helps you get started . Also, it’s troubling that overwhelmingly, teens don’t have jobs any more, missing out on early work experience so beneficial to their life education. On the other hand, there’s an opposite trend that’s also troubling. Clark discusses family work culture decisions. ...
Feb 22, 2023•26 min
