The Clark Howard Podcast

A trend you may have noticed  - stores and restaurants are opening later and/or closing earlier. Post Covid we’re seeing new patterns.  Also, from the Supreme Court decision to the latest in loan forgiveness, Clark has an update on student loan debt.  Sooner Than Later Service: Segment 1 Ask Clark: Segment 2 Student Loan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show America Is Becoming a Nation of Early Birds Resy - Book Your Reservation Your Guide to DIY Home Security Systems 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Find and Choose a Financial Advisor Biden Administration to Wipe Out $39 Billion in Student Loans - The Wall Street Journal. You could still be eligible for student loan forgiveness under this plan 1 in 3 federal student loan borrowers spent money they thought was going to be forgiven—here's where relief stands NYTimes.com: Ways You Can Still Cancel Your Federal Student Loan Debt Best Investment Companies for Investors in 2023 Are Money Market Funds a Safe Place To Stash My Savings? 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you seen the ads for a device that Elon Musk supposedly invented to cut electric bills? Clark tells you if that’s for real, and discusses some exciting upcoming options for power to your home. Also, believe it or not it’s time to shop back to school items. Clark points to some exceptional deal categories and shares shopping strategies.  Energy Savings & Backup Power: Segment 1 Ask Clark: Segment 2 Back To School Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show Fact Check: Elon Musk Did NOT Invent Energy-Saving Device That Will Cut Power Bills By 90% | Lead Stories GM Energy’s Ultium Home products provide backup power to your home in outage -  USA TODAY The best back-to-school sales & deals available now! Paramount+ Plans Paramount+ Review 2023: Is This Streaming Service Worth It? What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Savers! The window is closing on long term CDs. Clark fills you in on what you can do now to maximize money put aside for saving, vs for investing. Put your money to work the right way. Also, money saving takeaways from Clark’s summer vacation including car rental and currency practices.  5 Year CD Rates Now: Segment 1 Ask Clark: Segment 2 Lessons Abroad- Clark’s Summer Vacation: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Window To Open a 5-Year CD Is Closing Soon What Is a CD and Should You Open One? / Bankrate CDs What Is a CD Ladder and When Is It a Good Idea? Follow Clark Howard’s #1 Rule To Travel Cheap Credit Card Car Rental Insurance: What You Need To Know 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? When To Exchange Money? How to use Google Maps overseas with no data usage The Best International Phone Plans United Club & Lounge Access / Military Airport Lounges Non-Owner Car Insurance: Who Needs It? 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has important information on receiving a free or very affordable college education, including state based aid, reimbursement programs, Income Share Agreements, second level state universities and pricing resources. Also, how would you like to make extra money renting out your car? More competition is entering this field, and it could be good for your wallet. Affordable College: Segment 1 Ask Clark: Segment 2 Renting Out Your Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] To fight teacher shortages, states send people to college for free NYTimes.com: The College Data You Probably Can’t Find, but Definitely Need College Tables Where to Find the Cheapest In-State Tuition For College College Scorecard | U.S. Department of EducationCollege Scorecard For College Financing, Consider an Income Share Agreement Costco Hearing Aids: 5 Things To Know Before You Buy The Best Places To Buy Hearing Aids Should You Buy Out Your Leased Car? Uber wants to rent out your car: Company set to launch Uber Carshare in Boston, Toronto Turo: 5 Things To Know About the Cheap Car Rental Service Best Travel Credit Cards: Top Rewards Picks for 2023 High-Yield Savings Account Calculator 14 of the Best High-Yield Online Savings Accounts in June 2023 3 Things Clark Says You Should Do With CDs in 2023 Best Investment Companies for Investors in 2023 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  how to save someone’s life using a simple household item. Clark Stinks: Segments 1 & 2 CPR: Taking The Plunge: Segment 3 Ask Clark: Segment 4 Mentioned on the show American Express Send & Split with Venmo & PayPal Ask the Doctor: Are eggs risky for heart health? Eggs: Are they good or bad for my cholesterol? Intake of up to 3 Eggs per Day Is Associated with Changes in HDL Function and Increased Plasma Antioxidants in Healthy, Young Adult 'Grandparent' Scams Get More Sophisticated How a Toilet Plunger Improved CPR How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Freedom® Index Funds 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Good news consumers! A new law changes the rules for 3rd party sellers on online marketplaces such as Amazon & Walmart. Clark covers what you need to know about these sellers, and the problem with online purchasing via your phone. Also today, long-term care insurance is cost prohibitive for most. Still, advance planning is a smart idea. Know what elder care options exist today and potentially in the future.  Online Seller Disclosure: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show The INFORM Consumers Act and online marketplaces: What to know BBB-File a Complaint Costco vs. Sam’s Club: What Is the Difference? Buying Gas From a Station on This List Is Better for Your Car What if you can’t afford long-term care? NYTimes.com: States Try Easing the Burden of Long-Term Care’s High Cost What Is Long-Term Care Insurance Cost & Coverage How Do You Prepare for the Likelihood of Long-Term Care Costs? Senior Care Archives - Clark Howard Why Clark Howard Wants You to Set Up a 'Financial Chromebook' 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Homeowners insurance is getting more difficult to get or keep, even in states beyond FL & CA. Clark explains industry challenges and what homeowners can do about this growing problem. Also - What you don’t know can hurt you. Recent CFPB data show complaints against the credit bureaus roughly doubled in one year, highlighting the importance of being vigilant about your credit report accuracy. Homeowners Insurance Reset: Segment 1 Ask Clark: Segment 2 Credit Bureau Complaints: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: Uninsurable America: Climate change hits the insurance industry Multifamily industry grapples with surging insurance costs in wake of climate risks Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems — The Conversation Force-Placed Insurance Definition When Should You File a Claim on Your Homeowners Insurance? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Welcome to Bluebird A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Changes to Credit Reports Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

With the second wave of summer travel upon us, Clark has an update on mid to late summer travel  prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow.  Summer Travel Update: Segment 1 Ask Clark: Segment 2 Recession Explainer: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] People are spending less on hotels, flights and restaurants NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning. 4 Things You Should Always Pack in Your Carry-On How SVB’s failure 3 months ago has changed banking (and how it hasn’t) Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022 What Is a CD Ladder and When Is It a Good Idea? Clark.com - Invest & Retire FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023) 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit.  Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make.  Building Student Credit: Segment 1 Ask Clark: Segment 2 Remote Work Dilemma: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Credit Cards for Students: Top Picks for 2023 A Simple Way To Help Your Kid Build Credit Should You Make Your Child an Authorized User on Your Credit Card? Deciding what to do when your employer changes the rules on remote work What Is an Annuity, and Why Does Clark Think They Stink? 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this Best Of episode. Clark returns from travel adventures July 17th.Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.  Clark Stinks: Segments 1 & 2 Credit Report Inquiries: Segment 3 Ask Clark: Segment 4 Mentioned on the show Follow Clark Howard's #1 Rule To Travel Cheap Southwest Offers Companion Pass through Credit Card for Limited Time VENMO - Fees CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Karma vs. Credit Sesame: Is One Better Than the Other? The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report How To Get a Free Credit Report Best Investment Companies What the Great Netflix Password Crackdown Means for You Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far Clark.com - Streaming TV   /   Clark.com: Sling Freestream Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices