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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

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