The Clark Howard Podcast

Scott Keyes, founder and chief flight expert of Scott’s Cheap Flights joins Clark to talk about myriad aspects of travel now and moving forward. Essential listening for travelers as 2 experts convene.Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

The prevalence of cyberattacks and the nature of the east coast oil pipeline attack - A Clark smart warning and actions you can take. / You must file taxes, or at least file an extension - whether you can pay or not. 90% can prepare and file taxes for free, yet only 7% do. Clark shows the way. Also, $1.3B unclaimed 2017 tax refunds could disappear next week. Get your money.  Ask Clark topics include: GasBuddy / Do Not Get a Big Tax Refund Check / Know the Rules for Roth 401(k) Rollovers / Group Homes an Alternative for Seniors Who Can't Age in Place \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s an ongoing series of Facebook messenger scams. Facebook identities are taken over by crooks who use familiarity to commit affinity fraud. What you should out for. / Clark backs out of a long gas line in California & pays the price. What should you know about summer driving? Clark explains ‘backwardation’ in terms of where gas prices are, why, and where they’re headed.Ask Clark topics include: Homeowners Insurance / Hearing Aids / Apple Credit Card Review / Best Cash Back Credit Cards \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Money talk ain’t pillow talk but it works to save a marriage…. There’s pent up demand to throw weddings, but be prepared to take the leap by talking money before the nuptials. Clark describes one of the greatest flashpoints in the first 3 years of marriage, and the nature & importance of ongoing money & goal conversations. /  If you too like to squeeze out every last bit of toothpaste & other products, you’re on the right track. Housing and cars are our biggest expenditures. We can also attend to spending at the margins, part of the saving mentality. Clark also speaks to another part of the ‘spend less that you make” credo, to create more freedom and serenity in your life. Ask Clark topics include: When does a 0% purchase plan make sense / How to Freeze Your Child's Credit / Credit Union National Association | CUNA / Clark’s Bottom Line on Bitcoin / When Should You File a Claim on Your Homeowners Insurance? \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The job picture could not be more different than 1 year ago. Now employers are desperately looking for workers across many categories. For the class of 20 - this could be reset time. The key to getting good work is personal contact, not just sending out resumes. Network with people. Digital methods are a process of elimination. People hire people.  Clark Stinks & Ask Clark topics include: Costco vs. Sam's Club vs. BJ's Wholesale / Sam's Club membership deal- Clark Deals / Streaming TV / A Guide to Nondeductible IRA Contributions / Ooma / Credit Score Guide / Aldi - Clark Howard / 401(a) vs. 401(k): What's the Difference? / uShip | Shipping Made Easy / Clark's 'Ditch Your Debt' Facebook group \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hear Clark’s 30 year standard method for dealing with lifestyle debt, and how using plastic triggers a kind of euphoria while keeping you from ‘feeling the spend’.  / Better Banking - Chime has eliminated the junk fees and pain points of traditional banks. Low credit score? The Chime Credit Builder secured Visa card gives you control in a unique way. Also consider the Petal card for this purpose, or a credit union fresh start card. Ask Clark topics include: American Kennel Club / Blue Cross Blue Shield Settlement / How Much to Tip During the Coronavirus Pandemic / Which Documents Should You Keep and for How Long \\ Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

MVNO Mint Mobile has a plan for individual high data users for $30 a month. Clark offers details on this deal and others. / We’re living longer and may need to rethink our retirement age. Clark describes a phase in strategy that can really change the economics of your retirement years.Ask Clark topics include: The Best Place to Order Checks Online / 15-year mortgage / These Chromebooks less than $200 / laptop deals / Hybrid Financial Advisors / Full-Service Financial Advisor vs. Hybrid Robo-Advisor \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to sell your timeshare? An former inside scammer reveals how they find you and get inside your wallet - No sale. / Survey says: Most Americans want government-backed job training over handouts. Lifelong training is essential to a dynamic economy wrought by ever changing technology.Ask Clark topics include: Home | Costco Travel / Digital Receipts | Paperless Receipts | CVS / Debit vs. credit | Pros, cons and $ protections / What Is a Flexible Spending Account? / 529 Plans: The Best Places to Invest Your Education Savings - Clark Howard \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

PROMISES BROKEN: One privilege of military service is student loan forgiveness. But the U.S. Dept of Education rejected 94%, just like public service loan forgiveness was largely rejected. This must be fixed. Congress talks a good game about valuing the military. The country must fulfill its promises to those who serve. / CRACKING THE CASE: How pandemic unemployment compensation has been looted, even from people who had their credit frozen, costing taxpayers $billions.Ask Clark topics include: How to know if you qualify for student loan forgiveness / Booking a Trip For This Summer or Fall? Your Flights Will Change / How To Prevent, Report and Repair Identity Theft / 5 Sneaky Ways to Improve Your Credit Score \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. /Labor shortages and last minute code changes are forcing manual processing of 2020 taxes. Refunds are delayed. Clark’s got a suggestion for those who routinely get refunds. Clark Stinks & Ask Clark topics include: Best Laser Printers for Your Home Office - Consumer Reports / How to Get a Mortgage in 8 Steps / 6 Things to Know About Refinancing Your Mortgage / Which Documents Should You Keep and for How Long? / Robinhood Review: Pros, Cons & Who Should Use It \\Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices