The new refi fee that Clark talked about last week is being postponed until December. And borrowers who are refinancing smaller loans won't see it at all! With an influx of Covid scams, freezing your credit is more important than ever. If you haven't frozen your credit, do it soon. It's incredibly quick and free! Learn more about your ad choices. Visit megaphone.fm/adchoices
FloodFactor.com is a great website that can help you assess your home's flood risk. And if you are at a higher risk, you can get flood insurance pretty inexpensively! There's a new way to get money to pay your tuition at for-profit schools. And no surprise, it's a rip-off too. Learn more about your ad choices. Visit megaphone.fm/adchoices
IRS will stop sending tax notices for now until it clears through a backlog of mailed in returns. Charles Schwab has a new tool to help with retirement planning. In about 15 minutes you can generate a helpful retirement plan based on your own goals and the probability of funding those goals based on your age and current asset allocation. You can check out the new free tool called Schwab Plan here . Learn more about your ad choices. Visit megaphone.fm/adchoices...
Zoom experienced a big crash this morning on the east coast of the US. Clark discusses and talks about the importance of having backup video conferencing options. The K-shaped economy is increasing the level of income inequality in the country. Clark discusses how to change your income prospects as the Covid economy continues to create real hardship. Learn more about your ad choices. Visit megaphone.fm/adchoices
Retailers like Target are crushing it right now - in large part because they have done an incredible job with click & collect. Clark loves buying stuff and picking them up at nearby national retailers. Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
A court has just ruled that Amazon can be held responsible for faulty and unsafe good being sold on its website. Often many of the questionable items are sold by third party sellers but Clark calls on Amazon to clean things up on their site. The next stimulus bill is taking a while to put together. Clark talks about how the implementation of the recent executive orders is going and what we can expect from a stimulus bill at some point in the future. Learn more about your ad choices. Visit megaph...
The stock market has fully rebounded since its collapse in the Spring. Apple just hit a $2 trillion valuation while the S&P 500 hit a new milestone as well. Leases are traditionally one year long. But landlords are becoming more flexible due to the pandemic. So if you would prefer a shorter lease or even to rent month to month, you should ask for that now! Learn more about your ad choices. Visit megaphone.fm/adchoices...
Mortgage refinancing just got more expensive thanks to this new fee from Fannie Mae and Freddie Mac. Apple and Google are acting more and more like a shared monopoly. Case in point, Fortnite has been pulled from both Google and Apple's store for attempting to bypass the fees they impose on sellers. Learn more about your ad choices. Visit megaphone.fm/adchoices
There are some big issues with the postal service right now and it has led to a political firestorm in Washington. But Clark wants to discuss the reforms that are actually needed as the USPS has seen declines in the mail they deliver. It looks like federal student loans will continue to see payment and interest deferral for the rest of the year due to the President's executive order. There's also a new proposal to change the way income based repayment works which would create some much needed si...
Clark encourages people to look over their spending for the past month or two. Are you still spending on gym memberships or other recurring subscriptions that you aren't really using right now? Cancel them out of your life! Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
With rates dropping quickly for savers, iBonds could be a great place to put some money you want liquid in order to get a better return. Some items are still hard to find at the grocery store. Clark talks about what is going on and the price inflation we're starting to see on lots of grocery items. Learn more about your ad choices. Visit megaphone.fm/adchoices
The President's executive order extends federal unemployment benefits. But what will that look like on the ground in the states? Clark discusses. Boost Mobile has a new $10 a month plan! Clark talks about that and some of the other best deals right now on cell service. You could save hundreds of dollars a year. Learn more about your ad choices. Visit megaphone.fm/adchoices
People are getting bill collection notifications via text or email that are scams. Especially in these emotional times, be vigilant for scam artists trying to get your personal or financial information. Life insurance companies want access to medical records in order to speed up life insurance purchases. Learn more about your ad choices. Visit megaphone.fm/adchoices
Clark discusses the difficulty many are having as federal unemployment benefits run dry in the absence of another stimulus bill. It could lead to an increase in evictions if the federal government doesn't pass another bill soon. The school year is getting off to a rocky start in many places. As some kids are doing remote learning, others have gone back in person. And the difference in safety precautions varies greatly by school district. Learn more about your ad choices. Visit megaphone.fm/adcho...
Gold prices have been soaring. And the gold bugs are touting gold to the masses as the best investment strategy. Clark talks about how you should think about gold in your investment portfolio. Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit card limits are being cut for many customers by the banks. This is going to drastically hurt the credit scores of many - and in the midst of a pandemic. AT&T is having an incredibly tough time. The company is losing massive amounts of subscribers which is crushing revenue. Learn more about your ad choices. Visit megaphone.fm/adchoices
With more Americans staying put and hunkering down, the storage unit industry is hurting in a big way. A new survey from Bankrate shows that almost 50% of Americans have had a reduction in income because of Covid. Pay cuts and furloughs have made things much harder on a lot of folks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Roth 401k's make more sense than traditional 401k's for a lot of people. Clark discusses why that is the case. Wendy's has launched a rewards program. Starbucks just made changes to its rewards program. Clark talks about which ones he uses and how he's able to use these rewards programs and apps in order to score discounts and free food. Learn more about your ad choices. Visit megaphone.fm/adchoices
Are you eligible for food stamps? Many more Americans might qualify right now. A new email service will charge you $100 a year for an email address but they offer you privacy in return. Clark has other free options that he shares also. Learn more about your ad choices. Visit megaphone.fm/adchoices
CVS in Oklahoma was fined for prescription errors and poor staffing. Pharmacists need to be treated better! Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Lantern and Cake are newer websites that do a great job helping people plan for the future and do some estate planning. If you will let your insurance company monitor your driving you can score some major discounts and save a lot of money. Learn more about your ad choices. Visit megaphone.fm/adchoices
Amazon has created a new shopping cart that allows you to skip the checkout line. Walmart is working on something similar that will create efficiency and limit human contact. Acorns has created Acorns Early to help you start invest for your child's future. If you have a child born in 2020 the account is free until they turn 18! Learn more about your ad choices. Visit megaphone.fm/adchoices
In some states, almost 1/4 of citizens are without health coverage due to the pandemic and having lost their job. Clark talks about where to look for healthcare coverage. You should specifically look to the healthcare exchange at Healthcare.gov. You may be eligible for a heavily subsidized policy if your income has been drastically reduced. Clark discusses the state of the housing market and how things are shaping up in regards to inventory and pricing. Learn more about your ad choices. Visit me...
Pharmaceutical chain Walgreens will be adding doctors offices to stores around the country. The Walgreens model will be unique as you'll be able to see a primary care doctor there. People are paying down credit card debt in a big way since the pandemic began. This is great news. Learn more about your ad choices. Visit megaphone.fm/adchoices
Garmin services went down after a ransomware attack. This affects user data for Garmin users but the implications of this breach go even further. Clark discusses. Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Stimulus bill talks are heating up in Washington. As Covid cases are increasing in many states, legislators are starting to talk about what it should look like to provide further financial relief to affected Americans. Buzzfeed News is reporting that the personal information of Instacart shoppers is being sold online. This includes names, addresses, credit card data, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices...
Black Friday is going to be very different this year. Walmart has announced that they won't be open on Thanksgiving and that will likely cause a lot of other retailers to follow suit. Some universities are offering tuition discounts this year. Others aren't. Clark gives alternatives to consider if the school you or your child attends isn't offering a Covid discount. Learn more about your ad choices. Visit megaphone.fm/adchoices...
As states and municipalities begin to do away with eviction moratoriums, it's important to know how to protect yourself. Clark discusses how you can work with your landlord to potentially get out of a lease. Flights are getting more crowded as more people get back onto airplanes. Clark discusses the specific airline passenger limits and what you need to know before you fly. Learn more about your ad choices. Visit megaphone.fm/adchoices...
Different stimulus proposals are making the rounds. Clark discusses what he believes will be a part of the next relief package. Major retailers are now requiring that you wear a mask in order to shop in person. And as the biggest retailers in the country have developed policies, many smaller businesses are following suit. Learn more about your ad choices. Visit megaphone.fm/adchoices
Mortgage rates have fallen. And you can now get a 30-year mortgage under 3%! Clark is a big fan of 15-year mortgages though because of the even lower rates those carry. Kim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks. Learn more about your ad choices. Visit megaphone.fm/adchoices
