Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
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10.07.24 Health Insurance Claim Denied - Appeal / HOA Pros & Cons
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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 I…
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10.04.24 Clark Answers His Critics on Clark Stinks / Automated Vehicle Safety
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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 sho…
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10.03.24 How To Shop A Mortgage / Dementia Prevention & Treatment Strides
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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 estimat…
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10.02.24 AirTag & Tile Tracking Devices / Energy Production In The U.S.
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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: Se…
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10.01.24 ‘Relocation’ Travel Deals / Use ALL Your Vacation Time
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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 Flig…
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09.30.24 Clark Smart Mortgage Moves / Holiday Outlook: Deals & Seasonal Hiring
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Mortgage questions are up since the Fed Rate cut. Clark discusses what to expect with interest rates, and other factors that figure into cost effective strategies for home buyers and those considering refinancing. Also, it’s not too early to start thinking about the holidays and your budget. What to expect from retailers in terms of October & Novem…
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09.27.24 Clark Answers His Critics on Clark Stinks / Tourism Destination Considerations
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the tourism industry has been on a rollercoaster since the pandemic, with revenge travel peaking this past summer. Overwhelmed, Europe has been dishing out some backlash against tourists. So Clark has “zig-zag” advice for planning y…
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09.26.24 Waste Not Want Not - Whatnots / Decisions In The New Era Of Biometrics
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In today’s episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to giv…
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09.25.24 The Cost of Owning A New Vehicle / Healthcare Spending Vs. Life Expectancy
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New vehicle pricing is down. But the overall cost of ownership is up and AAA has the numbers. The daily cost difference between vehicles will blow your mind. Also, new data charts life expectancies compared to healthcare spending per capita. Clark looks at how the U.S stacks up compared to other countries. New Cars: The Cost Of Ownership: Segment 1…
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09.24.24 How To Get A Medical Billing Discount / ATM Safety Warning
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When it comes to medical bills, ask and you shall receive a discount - in many cases! Clark shares the success stats on some strategies to be aware of when you open that medical bill. Also - the FBI has issued warnings about a serious crime called ‘Jugging’ spreading across the country. What to know to protect yourself. Dealing With Medical Bills: …
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09.23.24 The Most Reliable Used Cars / Apartment Hunting & Renewal Advice
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Buying a used car can be the wild, wild west. There are many pitfalls to be aware of, and brands to target because of their reliability. Clark shares Consumer Reports reliability ratings. Also, there’s real opportunity around the country for renters to pay less if you're willing to shop. And at renewal time, many landlords are offering rewards for …
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09.20.24 Clark Answers His Critics on Clark Stinks / Auto Insurance Rate Forecast
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto insurance rates increased by almost 20% last year. Will these increases continue? Clark explains how we got here, the state of the industry, and what you can do to keep costs down. Clark Stinks: Segments 1 & 2 Auto Insura…
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09.19.24 Your Privacy: OptOutPreScreen / First Credit Cards
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Clark has tips for mortgage and other loan shoppers, including advice about credit inquiries, and the importance of OptOutPreScreen in your life. Also, when it comes to establishing credit, it’s important to get it right the first time. Clark shares credit building know-how for young adults & college students. OptOutPreScreen: Segment 1 Ask Clark: …
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09.18.24 Hotel Points Devalued / Update: Laundry Detergent Sheets
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Today, a warning about hotel frequent stay programs. Hotel points have been significantly devalued. Clark breaks down who should be brand loyal and who should not bother. Also, Clark has an update on something he’s talked about on the show - laundry detergent sheets. So do they work? Hotel Rewards Downgraded: Segment 1 Ask Clark: Segment 2 Update: …
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09.17.24 Back To Basics: SAVE MORE / A New Wave Of Ponzi Schemes
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Today - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for. Saving-First And Automatically: Segment …
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09.16.24 The Problem With Gift Cards / Rip Off Alert: ATM Fees
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Today, Clark discusses the two main problems with gift cards and what one state is trying to do to prevent gift card scams. Also in this episode, the scourge of ATM fees. Learn where they are the highest, and how you can avoid paying them. Gift Card Problems & Reforms: Segment 1 Ask Clark: Segment 2 Avoiding ATM FEES: Segment 3 Ask Clark: Segment 4…
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09.13.24 Clark Answers His Critics on Clark Stinks / Real Estate Commission Changes
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark clears confusion surrounding new rules with real estate agent commissions for home buyers and sellers. Clark Stinks: Segments 1 & 2 New Rules On Real Estate Agent Commissions: Segment 3 Ask Clark: Segment 4 Mentioned on …
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09.12.24 Clark Welcomes Consumer Tech Expert Kim Komando
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Today, Clark hosts digital advisor Kim Komando to discuss online security including passwords, followed by answers to some tech questions. Komando On Tech Security: Segment 1 Clark Asks Kim Your Tech Questions: Segment 2 Mentioned on the show: 5 Tips To Protect Your Digital Privacy Keeper Security: Password and Secrets Management 1Password: Top-Rat…
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09.11.24 Price Drops! / Sports Gambling
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Consumers have demanded lower prices and we’re seeing results! Manufacturing is slowing due to oversupply in many categories. Clark tells you where prices are trending down, and which retailers have responded to consumer signals in the marketplace with lower prices. Also today, with the arrival of fall sports - a big warning about something that co…
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09.10.24 The National Public Data Breach / Dynamic Pricing
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Team Clark is getting many questions about the recent massive data breach, possibly the second largest breach in history and one that includes social security numbers. Find out what you need to do about the National Public Data Breach. Also, Clark discusses how there’s a right way and a wrong way for companies to implement dynamic pricing. Evidentl…
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09.09.24 The High Cost of Timing the Market / A Safety Buffer From Down Markets
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Clark is out on one of his adventures today, returning tomorrow. Wes Moss, a fiduciary financial advisor and friend of Team Clark, joins Christa to answer your investing questions and discuss two important retirement topics. The stock market can have major swings. Unfortunately, the volatility can cause us to panic and take money out in response. H…
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09.06.24 Clark Answers His Critics on Clark Stinks / News For Home Buyers
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, news for first time homebuyers that changes Clark’s long time advice. Clark Stinks: Segments 1 & 2 Buying A New Vs Used Home: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Escrow (in Escrow) Mean, and How Does It W…
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09.05.24 INVESTING: Do the 60/40 Portfolio and the 4% Rule Still Work?
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Clark is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principle…
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09.04.24 Here’s To The Underconsumption Trend / Cheaper Gasoline
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At least one third of Americans are worried about not being able to pay their bills. Clark has long been concerned about influencers convincing followers to spend money on products they’re endorsing. Now there’s a new trend on social media from a new wave of influencers, and it’s great. Also, there’s good news on gas prices. Spending Less Is Trendi…
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09.03.24 The Cost Of Pet Ownership / Florida Real Estate Alert
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The decision to own a pet should not be taken lightly, with veterinary hospital bill shock causing great financial strain on pet owners. Clark explains the market forces at work, and where to look for more affordable pet care. Also, a special warning if you or someone you know is considering buying a condo in Florida. There’s been a pivot in the re…
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