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The Clark Howard Podcast

Panoply

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.

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.
More Information

Location:

Atlanta, GA

Networks:

Panoply

Description:

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.

Twitter:

@ClarkHoward

Language:

English

Contact:

1601 W. Peachtree St., N.E. Atlanta, GA 30309 404-892-8227


Listen on a live station

Episodes

9.13.19 Gaming addiction is now considered a psychological disorder; Clark Stinks

9/13/2019
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The World Health Organization has declared excessive gaming a psychological disorder. A MarketWatch survey reveals the number of people spending an hour or more a day playing video games increased 20% over the last year. Many believe they'll go pro and earn a living and become reclusive and obsessive in the endeavor, gaming constantly. For parents, it's a tug of war you want your kid to win, so game time should be strictly limited. Who knew the pro athlete mentality would translate into...

Duration:00:33:48

9.12.19 The dangers of annuities; Criminal investigations of insurance claims are on the rise; Clark's advice using instant payment apps

9/12/2019
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Beware of annuity sales. Annuity sales subsided when fiduciary rules were in place - rules that have now been pushed aside, causing new sales to skyrocket. Insurance companies and banks push these because they have humongous fees and commissions. These contracts allow the insurance companies to change the terms at any time and the tax treatment is generally not favorable. When you're getting a vague investment pitch ASK if it's an annuity. If so, walk away. File an insurance claim, and the...

Duration:00:34:48

9.11.19 Permissions and privacy issues with family tracking apps; Robocalls are still surging; Hydroponics and the rise of controlled agriculture in America

9/11/2019
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Clark's family uses the Life360 app, allowing everyone to know each other's location. Teens use such apps, including Apple's Find My Friends, Google Maps location share & Snapchat - to keep up with friends. What are these apps doing with the info? What are you permitting them to do? You can choose to wipe history clean. With any of these free services, the apps can make money with the info we're sharing. Location sharing can be very loaded and problematic in relationships and you should...

Duration:00:36:20

9.10.19 Artificial intelligence based lie detector created for airport security; Beware genetic testing scams targeting seniors; How Clark Team member Chelsea helped her dad save over 3k a year.

9/10/2019
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We face many challenges with how to use technology for security. There's a race to develop screening tech to quickly assess facial images and determine threat levels. AI systems are being developed along these lines, including one called the Avatar (Automated Virtual Agent for Truth Assessments in Real time), a system using AI techniques to assess threat levels, funded in part by the federal government. The subject answers questions on camera during the assessment. The developers claim only...

Duration:00:34:36

9.9.19 Making prescriptions cheaper; Living paycheck to paycheck on a high income; Safe deposit boxes aren't safe

9/9/2019
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Government attempts to rein in prescription drug prices haven't worked. We have the most expensive med prices on the planet. And the way we get and pay for meds is changing. Some doctors have dispensing machines for routine meds in their offices. GoodRx is a force for negotiating lower prices and comparison shopping. The next wave may be online sellers. Amazon has bought into the industry - not a big play yet. But there will be incentives with employer plans to fill prescriptions with online...

Duration:00:35:43

9.6.19 Clark creates a $500 savings challenge; Clark Stinks

9/6/2019
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We’re 10 years into economic expansion and people are still struggling. Most are in debt and unprepared for any unforeseen expense or emergency costing $400 or more. Hopefully, this economic downturn won’t turn into a full-blown recession, but we’re already getting calls from people who’ve been laid off. We are in a slowing time of uncertainty, so we need to prepare as we can. Recommendations for having 3 to 6 months of pay on hand are daunting and unrealistic for most. So start smaller with...

Duration:00:34:58

9.5.19 Texting gets you a ticket; Student loan forgiveness now more difficult; Payroll loans popularized

9/5/2019
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AAA reports deaths from red-light running collisions have hit a 10 year high. Fatalities are up 30% in the last few years. Likely distracted driving is the root cause. Clark pauses for a second when a red light turns green in case someone blows through the corresponding red light of an intersection. If you move too quickly, you could be T-boned by a red-light runner. Meanwhile, police are cracking down on device distraction, posing as construction workers and finding other ways to site...

Duration:00:36:29

9.4.19 Your medical info on an app; Hurricane scams abound; Lesser requirements for energy efficient light bulbs

9/4/2019
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Proposed legislation would provide US citizens access to all of our own medical records. This would require providers to send data to medical record apps – with the patient’s permission. Privacy risk concerns are valid here including data breach exposure and data abuse by insurers. The NYT reports Apple is designing their medical app to encrypt the info and confine it to your device only, not on their servers. Android needs equivalent protection. As Dorian heads up the coast, scamsters are...

Duration:00:35:28

9.3.19 Car seat trade-ins; Wells Fargo has customer falsely arrested; YouTube settles over child privacy violations

9/3/2019
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Walmart and Target are offering great incentives for you to trade in your old (and likely expired) car seat. You can find out more about the Target deal here. Walmart is offering a $30 gift card if you bring in an old car seat. Find out more about eligibility here. Wells Fargo doesn't seem to learn from prior mistakes. In a case of mistaken identity, Wells Fargo had a customer who had done nothing wrong put behind bars. Now he is suing and Wells Fargo is trying to force him into...

Duration:00:36:07

9.2.19 Is Amazon Prime worth it?; Keep your car as long as possible

9/2/2019
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Members of Amazon Prime pay $119 per year for 1-2 day delivery at no minimum, Prime only merchandise, Access to Prime instant video and no-frills music service. Amazon has ways to keep you Prime(d). For Clark, it's useful as a $10 a month video subscription. Check out our quiz at Clark.com to determine is Amazon Prime is worth it for you. Non-Prime members get free shipping with the minimum order for that perk. Also, Amazon's more about convenience than low prices. You can often find lower...

Duration:00:35:09

8.30.19 Paying your mortgage bi-weekly to save money; Clark Stinks

8/30/2019
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Watch out for a pitch that claims you can pay your mortgage on a biweekly plan. Banks often get a commission by conning you into a biweekly payment program run by a third party. If they abscond with your money or make late payments, the bank bears no responsibility. You get more impact if you divide your monthly payment by 12, and pay that 1/12th additional principal payment each month. It is far better to set up your own biweekly payment plan. Your extra payment reduces interest which...

Duration:00:34:51

8.29.19 Best cars for resale value; Resort fees are the worst; Focusing on preventative care

8/29/2019
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JD Power reports on which vehicles best hold their value. If you will make one major change to the way you look at vehicles and drive your car until till the wheels fall off you won’t have to worry about depreciation. More hotels are implementing a bait and switch where they publish a great rate and then rip you off with poorly or undisclosed fees. Clark just ran into a $56 per night resort fee + a $26 per night parking fee – that’s in addition to the room cost. There’s a plague of this and...

Duration:00:34:46

8.28.19 Natural gas rates plummeting; Disney streaming discount; Travel insurance for Fall Travel

8/28/2019
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Problems in the energy industry are working to consumer advantage. Natural gas is in oversupply and at wholesale, the price has been driven down. But for consumers, in states where savings are passed on to the ratepayer, there’s a direct benefit. In some states, you select a natural gas provider. Those states usually offer the option to lock in a fixed rate for a period. There will be a strong advantage in doing that before the cold weather season kicks in. This Fall is a great time to lock...

Duration:00:36:04

8.27.19 Targeted promo codes abound online; Ford offers relief for defective transmissions; Change of address scam

8/27/2019
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Individual discount codes are hit or miss these days, because they’ve become more personalized. Online sellers are using algorithms to target individuals specifically with tailored coupon offers, often specific to that calendar day. It’s a code only for you, only for today. This started with electronics sellers and has been spreading. These codes pierce privacy so consumers need to decide if they’re worth it. Also, it’s important to hide your identity while shopping. Online sellers have...

Duration:00:35:54

8.26.19 Labor Day gas prices; Beware this romance email scam; Amazon 3rd party sellers warning

8/26/2019
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Oil and in turn gas prices which were expected to be headed higher now, are in fact lower. AAA reports as we move into the Labor Day holiday period, gas prices will average .30 cents less per gallon than one year ago. Traffic will be the problem this Labor Day holiday. Also, electric vehicle purchases are a small part of the market but enough people are buying to affect the demand equation for gasoline, and that is helping to moderate prices. There will still be ups and downs based on...

Duration:00:36:54

8.23.19 Internet speeds are vastly overrated; Clark Stinks

8/23/2019
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Clark's neighborhood recently got 1gig internet service. He signed up. Speed tests show that they are not getting 1 gig. The WSJ did an in-depth testing of home internet service and found that people do not need ultra-fast internet. They couldn't find a home circumstance requiring more than 100megabits per second. There are specialized needs for more robust internet. Some consume massive internet video on their phones without ultra-fast internet from their cell carrier. Clark plans to cut...

Duration:00:34:45

8.22.19 Beware college student debit cards; Expensive Nike subscription service; Facebook history eraser

8/22/2019
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College students and their parents are being ripped off by the very colleges they’re attending. Banks approach universities to create co-branded campus debit cards, promising kickbacks to the school for every student that signs up for their debit. The fees on these co-branded kick-back cards are 2 to 3X normal. Meanwhile, most colleges have credit unions available to faculty, staff, administrators, and students – offering great deals and typically no to low fees. There is NO requirement you...

Duration:00:34:42

8.21.19 Southwest Airlines cancelling routes; MoviePass data breach; Series I savings bonds are a good place to stash cash.

8/21/2019
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The 737 Max remains grounded as Boeing struggles to find fixes. The FAA, having lost its credibility from lack of oversight of the Max, is now relying on the recommendations of a world panel, with no service date in sight. This affects travelers as airfares are higher because of this and Southwest, the largest operator of 737s in the world, is now discontinuing 20 unprofitable routes, moving those aircraft to Hawaiian routes. This has triggered great competitive deals from the west coast to...

Duration:00:35:27

8.20.19 New ways to sell your home; Wells Fargo does it again; Fighting for your Equifax breach money

8/21/2019
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iBuyers are the real estate organizations that can buy homes to simplify the process. They have big money behind them to accomplish this and include Offerpad, OpenDoor, Knock and others including Zillow. In addition, traditional agencies are entering into alliances with iBuyers. MarketWatch reports Keller Williams is partnering with Offerpad in 12 cities. These organizations are experimental. Their business models keep changing. Clark sold a rental condo recently and listed with an iBuyer...

Duration:00:37:10

8.19.19 Be vigilant when fighting for student loan forgiveness; Disney admission discount!; Your phone number and ID theft

8/19/2019
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The student loan forgiveness program has failed, denying those in the public service profession forgiveness after 10 years of service in good faith. Now, the appointee in charge of protecting student borrowers’ interests comes to that job in the federal government from a lending company so please remember it's up to you to fight for your rights. You have got to know the rules and make sure you’re doing all required under the federal student loan program. Document every payment. New lower...

Duration:00:36:30