title

The Clark Howard Podcast

Clark Howard

95
Followers
1.8K
Plays
The Clark Howard Podcast
The Clark Howard Podcast

The Clark Howard Podcast

Clark Howard

95
Followers
1.8K
Plays
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About Us

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, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

Latest Episodes

10.21.19 Commute times hit record high; More reasons to beware of full commission stock brokers; Warning for joint account holders

Americans are doing record time on the roads in traffic crawling to work. As many metros have developed by sprawl, public transit is not the answer. Solutions require behavior changes, including from employers. To increase employee happiness and retention, they need to flex on how and when you work. Allow employees to work from home at least 1 day a week. Depending on the job, work from home can be done most or all of the time. Often productivity is higher at home. Flex schedules are helpful for workers too, allowing workers to shift their hours to avoid heavy traffic. In congested cities, some are turning to electric-assist bikes, as cheap as $500, for bike lane commutes under 10 miles. Full commission stock brokers are often tied to giant monster mega-banks. Wells Fargo, BOA's Merrill Lynch, Morgan Stanley and UBS are the big 4. A recent study by Cerulli Associates found that these 4 overwhelmingly put their investors into high cost mutual funds. They are not bound by the fiduciary standard. Go to an independent fee-only financial advisor or a low-cost mutual fund company instead. When you allow an authorized user on your credit card, you're creating potential hardship for yourself. The user has no responsibility for the debt they rack up. Don't make these decisions lightly. We hear the consequences when things goes wrong. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN4 h ago
Comments
10.21.19 Commute times hit record high; More reasons to beware of full commission stock brokers; Warning for joint account holders

10.18.19 Scammers are finding it easier to dupe people on internet marketplaces; Clark Stinks

The BBB has issued a new scam warning. Historically, scams have most often come via phone. Now, the most common point of scam contact is on social media. The most common way people have money stolen from them is on social media. The second most common scam point of contact: websites, like Craigslist or eBay. People are more than 5 times more likely to get taken on social media than with a con artist on the phone - 4 times more likely on social vs. through the mail. Beware. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN3 d ago
Comments
10.18.19 Scammers are finding it easier to dupe people on internet marketplaces; Clark Stinks

10.17.19 Businesses want to use chat technology with you; Medical images leaked online; Happiest states in America

The U.S. has lagged behind in 'conversational commerce' enjoyed elsewhere in the world, where texting meets commerce for AI customer service.We spend most of our online time now throughout smartphones. Unlike other countries, the U.S. lacks centralizedportals from which to operate in multiple ways, including shops, email, social and news. Now Apple is working to set up and integrated hub to drive the brand. For example, through the Apple platform - Apple Business Chat - and Delta's app, iPhone users have ease of communication for assistance from the airline. Emulating China's WeChat, Apple platform AI will allow better customer service response. Innovation like this can have very positive, unforeseen benefits for consumers. Facebook tried this kind of commercial integration, but a loss of trust is an obstacle there. The first best thing we'll see is perhaps the end of on-hold in-limbo no-customer service. A ProPublica investigative report finds the health data of millions of Americans is completely exposed on the internet. They were able to find medical data on more than 16 million people online, including names, birthdays and where submitted, social security numbers. Security in the medical industry is pathetic. DO NOT FILL IN YOUR SOCIAL SECURITY NUMBER at ANY medical facility. A recent Wallethub study weighed 31 happiness factors to rate U.S. states. Above an income level of around $70, money ceases to be a happiness factor. Factors include work environment, emotional and physical well-being. Hawaii comes out tops overall, followed by UT, MN, CA, NJ, ID, MASS, MD, NB, CT.Unhappiest: WVA, ARK, Alaska, MISS, LA, KY, AL, OK, TN, MO.​ Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN4 d ago
Comments
10.17.19 Businesses want to use chat technology with you; Medical images leaked online; Happiest states in America

10.16.19 Cell phone plan deals; 401k early withdrawal changes; Financial advice for different generations

Of the 4 major cell carriers, Verizon, AT&T, T-Mobile & Sprint - all the growth over the past 4 years has gone to T-Mobile, steadily taking market share. But all 4 also have captive discount brands on their networks, at a lower cost. The price points have kept moving. Total Wireless is a joint venture on Verizon's network, The 4-line family plan shares 100 gigs of data per month, starts at $100 a month, and it is available for $95 with auto-refill.. Available at Walmart and TotalWireless.com.Verizon's second discount brand, Visible is geared toward young adults, offering a single line at $40 a month - unlimited data - available only through Visible.com via their app. Metro PCS - now Metro by T-Mobile has gone up from 4 lines for $100 to $120 per month, including Amazon Prime and hotspot. Cricket Wireless - AT&T's captive brand - offers 4 lines for $100 a month with speed limitations, but adequate for most basic surfing and video. Starting in January, people with 401ks will have a mu...

38 MIN5 d ago
Comments
10.16.19 Cell phone plan deals; 401k early withdrawal changes; Financial advice for different generations

10.15.19 Big strides in renewable energy; What to call fake meat?; Cost of cars over time

There are now more people working in wind / solar energy in the U.S. than in coal mining, which has become an industry in retreat. It's now cheaper to generate power from wind or solar, depending on geography. The new energy outlook from Bloomberg reports that wind is THE cheapest way to generate power in the U.S. In 2/3 of the world, solar and wind are more economical than even natural gas. Power companies are fighting in state legislatures and with utility, regulators to prevent consumers from a cost-effective home solar option. They see the threat and want to own solar to continue to supply power. Regardless, the mix of power is changing and costs will be coming down. Traditionalists claim wind and solar are intermittent and therefore unreliable sources of power. But battery backup provides the solution there, and these batteries are also getting steadily cheaper, along with solar panels. Better and cheaper in a continuing cycle brings these technologies to bear. The benefit flows back to consumers. More states are passing laws infringing on First Amendment rights for food producers to name their food. Missouri cattlemen are threatened by plant-based meat substitutes. Other states have joined in passing label restrictions. They should not be permitted to interfere in the free market flow of information. The clarity for consumers, not confusion - should be the priority. Edmunds reveals that the average loan amount to buy a new vehicle is $32,590. AAA reports is costs $774 per month to operate a new vehicle: Depreciation, the loan, insurance, fuel & maintenance. Many would-be new buyers are opting for used for more affordability. Meanwhile, the average length of a vehicle loan is just under 70 months, almost 6 years, putting the buyer upside down for the duration. Many will tire of a vehicle before paying it off and create a negative mountain of debt by trading in before the loan is paid. The trade-in loan is rolled into the purchase, leaving the buyer even MORE upside down. STOP! 10K a year just for transportation calls for a rethink. Is your old car working fine? Do you REALLY need a new vehicle? 4-year-old vehicles are the sweet spot in the market now. AAA reports electric vehicles to cost half of what gas engines cost per mile to operate. Within 2 years the compelling price argument for buying electric will be overwhelming. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN6 d ago
Comments
10.15.19 Big strides in renewable energy; What to call fake meat?; Cost of cars over time

10.14.19 Is texting or email safer?; Concert promotion scam; SEC opens an investigation into 403b's

There’s increased interest in protecting privacy. We forget how things we say aren’t private in this electronic era. Text messages aren’t really private. But there are things you can do to protect privacy. When both parties use an encrypted third-party texting app – only the recipients get your text. WhatsApp, owned by Facebook – is a secure texting app so far, used by ¼ of the world’s population. For business and other proprietary transactions and for consumers, Signal is used for privacy protection as well. ProtonMail is great for protecting email communications. For Apple users, iOS 13 is coming with a variety of privacy improvements. Tech writers are recommending waiting a few weeks before download, as they’re still working out some bugs. Apple’s iOS 13 will provide auto burner-email addresses when you sign up with a company to prevent email spam. This allows you to hide your real email address. Con artist Andres Fernandez has been convicted for wire fraud, after steali...

38 MIN1 w ago
Comments
10.14.19 Is texting or email safer?; Concert promotion scam; SEC opens an investigation into 403b's

10.11.19 FCC battle vs states over net neutrality; Clark Stinks

The FCC doesn't want states to be able to implement their own rules surrounding net neutrality. Clark explains what this court battle means for consumers and the future of our TV and internet usage. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN1 w ago
Comments
10.11.19 FCC battle vs states over net neutrality; Clark Stinks

10.10.19 How tariffs are playing out; Watch out for crafty MLM's; What if your luggage gets damaged?

New tariffs will protect Boeing and hurt Airbus. The new tariffs could also mean higher prices on food and drink. AdvoCare has been fined $150 million for running a multi-level marketing scheme. The FTC has called it a pyramid scheme which means that AdvoCare pressures sellers to bring in new distributors. The emphasis is less on selling products and more on recruiting new people. Don't sign up for an MLM. 99% of people lose money. Clark discusses how to protect yourself if your luggage winds up missing or damaged while traveling. Stick up for yourself and push for a solution! Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN1 w ago
Comments
10.10.19 How tariffs are playing out; Watch out for crafty MLM's; What if your luggage gets damaged?

10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?

We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay. Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get. The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop ...

38 MIN1 w ago
Comments
10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?

10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics

Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too. AT&T – get your act together. A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid. Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a f...

38 MIN1 w ago
Comments
10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics

Latest Episodes

10.21.19 Commute times hit record high; More reasons to beware of full commission stock brokers; Warning for joint account holders

Americans are doing record time on the roads in traffic crawling to work. As many metros have developed by sprawl, public transit is not the answer. Solutions require behavior changes, including from employers. To increase employee happiness and retention, they need to flex on how and when you work. Allow employees to work from home at least 1 day a week. Depending on the job, work from home can be done most or all of the time. Often productivity is higher at home. Flex schedules are helpful for workers too, allowing workers to shift their hours to avoid heavy traffic. In congested cities, some are turning to electric-assist bikes, as cheap as $500, for bike lane commutes under 10 miles. Full commission stock brokers are often tied to giant monster mega-banks. Wells Fargo, BOA's Merrill Lynch, Morgan Stanley and UBS are the big 4. A recent study by Cerulli Associates found that these 4 overwhelmingly put their investors into high cost mutual funds. They are not bound by the fiduciary standard. Go to an independent fee-only financial advisor or a low-cost mutual fund company instead. When you allow an authorized user on your credit card, you're creating potential hardship for yourself. The user has no responsibility for the debt they rack up. Don't make these decisions lightly. We hear the consequences when things goes wrong. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN4 h ago
Comments
10.21.19 Commute times hit record high; More reasons to beware of full commission stock brokers; Warning for joint account holders

10.18.19 Scammers are finding it easier to dupe people on internet marketplaces; Clark Stinks

The BBB has issued a new scam warning. Historically, scams have most often come via phone. Now, the most common point of scam contact is on social media. The most common way people have money stolen from them is on social media. The second most common scam point of contact: websites, like Craigslist or eBay. People are more than 5 times more likely to get taken on social media than with a con artist on the phone - 4 times more likely on social vs. through the mail. Beware. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN3 d ago
Comments
10.18.19 Scammers are finding it easier to dupe people on internet marketplaces; Clark Stinks

10.17.19 Businesses want to use chat technology with you; Medical images leaked online; Happiest states in America

The U.S. has lagged behind in 'conversational commerce' enjoyed elsewhere in the world, where texting meets commerce for AI customer service.We spend most of our online time now throughout smartphones. Unlike other countries, the U.S. lacks centralizedportals from which to operate in multiple ways, including shops, email, social and news. Now Apple is working to set up and integrated hub to drive the brand. For example, through the Apple platform - Apple Business Chat - and Delta's app, iPhone users have ease of communication for assistance from the airline. Emulating China's WeChat, Apple platform AI will allow better customer service response. Innovation like this can have very positive, unforeseen benefits for consumers. Facebook tried this kind of commercial integration, but a loss of trust is an obstacle there. The first best thing we'll see is perhaps the end of on-hold in-limbo no-customer service. A ProPublica investigative report finds the health data of millions of Americans is completely exposed on the internet. They were able to find medical data on more than 16 million people online, including names, birthdays and where submitted, social security numbers. Security in the medical industry is pathetic. DO NOT FILL IN YOUR SOCIAL SECURITY NUMBER at ANY medical facility. A recent Wallethub study weighed 31 happiness factors to rate U.S. states. Above an income level of around $70, money ceases to be a happiness factor. Factors include work environment, emotional and physical well-being. Hawaii comes out tops overall, followed by UT, MN, CA, NJ, ID, MASS, MD, NB, CT.Unhappiest: WVA, ARK, Alaska, MISS, LA, KY, AL, OK, TN, MO.​ Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN4 d ago
Comments
10.17.19 Businesses want to use chat technology with you; Medical images leaked online; Happiest states in America

10.16.19 Cell phone plan deals; 401k early withdrawal changes; Financial advice for different generations

Of the 4 major cell carriers, Verizon, AT&T, T-Mobile & Sprint - all the growth over the past 4 years has gone to T-Mobile, steadily taking market share. But all 4 also have captive discount brands on their networks, at a lower cost. The price points have kept moving. Total Wireless is a joint venture on Verizon's network, The 4-line family plan shares 100 gigs of data per month, starts at $100 a month, and it is available for $95 with auto-refill.. Available at Walmart and TotalWireless.com.Verizon's second discount brand, Visible is geared toward young adults, offering a single line at $40 a month - unlimited data - available only through Visible.com via their app. Metro PCS - now Metro by T-Mobile has gone up from 4 lines for $100 to $120 per month, including Amazon Prime and hotspot. Cricket Wireless - AT&T's captive brand - offers 4 lines for $100 a month with speed limitations, but adequate for most basic surfing and video. Starting in January, people with 401ks will have a mu...

38 MIN5 d ago
Comments
10.16.19 Cell phone plan deals; 401k early withdrawal changes; Financial advice for different generations

10.15.19 Big strides in renewable energy; What to call fake meat?; Cost of cars over time

There are now more people working in wind / solar energy in the U.S. than in coal mining, which has become an industry in retreat. It's now cheaper to generate power from wind or solar, depending on geography. The new energy outlook from Bloomberg reports that wind is THE cheapest way to generate power in the U.S. In 2/3 of the world, solar and wind are more economical than even natural gas. Power companies are fighting in state legislatures and with utility, regulators to prevent consumers from a cost-effective home solar option. They see the threat and want to own solar to continue to supply power. Regardless, the mix of power is changing and costs will be coming down. Traditionalists claim wind and solar are intermittent and therefore unreliable sources of power. But battery backup provides the solution there, and these batteries are also getting steadily cheaper, along with solar panels. Better and cheaper in a continuing cycle brings these technologies to bear. The benefit flows back to consumers. More states are passing laws infringing on First Amendment rights for food producers to name their food. Missouri cattlemen are threatened by plant-based meat substitutes. Other states have joined in passing label restrictions. They should not be permitted to interfere in the free market flow of information. The clarity for consumers, not confusion - should be the priority. Edmunds reveals that the average loan amount to buy a new vehicle is $32,590. AAA reports is costs $774 per month to operate a new vehicle: Depreciation, the loan, insurance, fuel & maintenance. Many would-be new buyers are opting for used for more affordability. Meanwhile, the average length of a vehicle loan is just under 70 months, almost 6 years, putting the buyer upside down for the duration. Many will tire of a vehicle before paying it off and create a negative mountain of debt by trading in before the loan is paid. The trade-in loan is rolled into the purchase, leaving the buyer even MORE upside down. STOP! 10K a year just for transportation calls for a rethink. Is your old car working fine? Do you REALLY need a new vehicle? 4-year-old vehicles are the sweet spot in the market now. AAA reports electric vehicles to cost half of what gas engines cost per mile to operate. Within 2 years the compelling price argument for buying electric will be overwhelming. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN6 d ago
Comments
10.15.19 Big strides in renewable energy; What to call fake meat?; Cost of cars over time

10.14.19 Is texting or email safer?; Concert promotion scam; SEC opens an investigation into 403b's

There’s increased interest in protecting privacy. We forget how things we say aren’t private in this electronic era. Text messages aren’t really private. But there are things you can do to protect privacy. When both parties use an encrypted third-party texting app – only the recipients get your text. WhatsApp, owned by Facebook – is a secure texting app so far, used by ¼ of the world’s population. For business and other proprietary transactions and for consumers, Signal is used for privacy protection as well. ProtonMail is great for protecting email communications. For Apple users, iOS 13 is coming with a variety of privacy improvements. Tech writers are recommending waiting a few weeks before download, as they’re still working out some bugs. Apple’s iOS 13 will provide auto burner-email addresses when you sign up with a company to prevent email spam. This allows you to hide your real email address. Con artist Andres Fernandez has been convicted for wire fraud, after steali...

38 MIN1 w ago
Comments
10.14.19 Is texting or email safer?; Concert promotion scam; SEC opens an investigation into 403b's

10.11.19 FCC battle vs states over net neutrality; Clark Stinks

The FCC doesn't want states to be able to implement their own rules surrounding net neutrality. Clark explains what this court battle means for consumers and the future of our TV and internet usage. Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here. Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN1 w ago
Comments
10.11.19 FCC battle vs states over net neutrality; Clark Stinks

10.10.19 How tariffs are playing out; Watch out for crafty MLM's; What if your luggage gets damaged?

New tariffs will protect Boeing and hurt Airbus. The new tariffs could also mean higher prices on food and drink. AdvoCare has been fined $150 million for running a multi-level marketing scheme. The FTC has called it a pyramid scheme which means that AdvoCare pressures sellers to bring in new distributors. The emphasis is less on selling products and more on recruiting new people. Don't sign up for an MLM. 99% of people lose money. Clark discusses how to protect yourself if your luggage winds up missing or damaged while traveling. Stick up for yourself and push for a solution! Learn more about your ad choices. Visit megaphone.fm/adchoices

38 MIN1 w ago
Comments
10.10.19 How tariffs are playing out; Watch out for crafty MLM's; What if your luggage gets damaged?

10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?

We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay. Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get. The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop ...

38 MIN1 w ago
Comments
10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?

10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics

Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too. AT&T – get your act together. A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid. Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a f...

38 MIN1 w ago
Comments
10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics