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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.

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

2.24.20 Fraudulent tax returns; Get a Real ID; Coronavirus affect on markets

2/24/2020
The IRS has announced they’re going to send out revenue agents to homes and business of people who owe or who have failed to file. Crooks see this as a huge opportunity to impersonate agents and fake demands for money. The IRS is targeting business owners and those who make over $100K a year. But the crooks will go after anyone. The IRS claims their agents will be highly trained and will not require the purchase of any type of prepaid card – which is a scam tipoff. The IRS is short staffed....

Duration:00:34:51

2.21.20 How to live longer and healthier; Clark Stinks

2/21/2020
Harvard University researchers began a health study in 1980. Time Magazines reports subject lifestyle factors were tracked for 40 years. Healthy lifestyle factors include no smoking, no excessive alcohol, regular exercise, healthy weight and a low-fat, plant-based diet. Findings indicate those who practiced 4 out of these 5 healthy lifestyle choices enjoyed more disease-free years - After age 50, 10 more years for women, 8 more for men. Women's lifespans increased by 14 years, men's by 12....

Duration:00:36:27

2.20.20 Side hustles becoming more popular; Car dealerships faking income to sell cars; Extended warranties

2/20/2020
California has passed a law requiring gig employers to classify most workers as employees vs. independents. A Gallup survey reveals this may be a mistake. Over 90% of tax filers have W2 income. One in 4 workers has a side gig in addition, in order to earn more money. Half work extra simply because they want to. More tax filers than ever are working side hustles in addition to regular income. There are cases where large companies lay people off to hire independent workers to avoid paying...

Duration:00:36:34

2.19.20 Loaning money to friends; Outrageous hospital bills; Cancer rates declining

2/19/2020
Bankrate did a survey on outcomes from lending to family or friends, cosigning for them or giving them your credit card. 4 out of 10 lenders to family and friends report they didn't get paid back. Someone comes to the bank of family or friend because they can't get the money elsewhere, so that borrower is ultra-high risk. There are times we'll give out of obligation or love. Clark's 2 part rule for lending to family or friends: One time only IF you can afford it. And, look at it as a gift,...

Duration:00:35:56

2.18.20 Reverse mortgages are disastrous; Fake high-interest bank accounts; Money-saving travel tips

2/18/2020
Reverse mortgages have been a caller topic for Clark for 2 decades. When people are house rich and cash poor, reverse mortgage -wherein the mortgage company sends you a check every month while you still live in the home, appears to be a solution. Routinely Clark goes through a checklist to determine the severity of the financial situation, and warns of the high fees involved. USA Today investigated the industry, finding many bad players looking to steal people’s homes via foreclosures. This...

Duration:00:35:55

2.17.20 Becoming a boring investor; TV's spying on us; What to do after a car accident

2/17/2020
Carl Richards, "Sketch Guy" columnist for the NYTimes, breaks down financial advice to simple sketches and is able to address motivation and how we work against ourselves. Clark is unapologetically dull and believes creating financial security should be dull as well, achieved slow and steady like a turtle. Many are always looking for the big score, the hot tip. So Clark's favorite Sketch Guy message: "The path to long term change is slow, simple and boring". Your investing should be boring...

Duration:00:36:32

2.14.20 Where to get cheap eye exams; Clark Stinks

2/14/2020
Optometrists are independent. Even as they’re renting space in a Costco, Sam’s Club, Walmart or Target – the remain independent. This results in different prices within a retail chain. But as a general rule, the cost of getting a full eye exam and prescription averages around $70. If you go to an optometrist in a traditional office or an ophthalmologist, the price goes up. With a prescription plan through work, a once a year eye exam may be covered with just a copay for most practices....

Duration:00:35:56

2.13.20 Insurance companies are ripping teachers off; Bitcoin ponzi scheme; Jobs that don't require a college degree

2/13/2020
Teachers, non-profit workers and some hospital workers are shuttled into inferior 403b retirement plans. 401ks have gotten more affordable with steadily lower costs for employees, lead by Vanguard and Fidelity. Teachers on the other hand get cheated repeatedly. 403b plans are often sold by insurance company sales reps, selling ultra high cost plans often wrapped in annuities. A WSJ investigation has uncovered just how dirty this system is, rife with horrendous kickbacks paid for by the 403b...

Duration:00:35:49

2.12.20 Amazon vs Costco; Maxing out your credit cards; Cheap home security options expanded

2/12/2020
Wall Street analysts predicted the demise of Costco Wholesale not that long ago, believing it had no chance against Amazon. But Costco and Sam’s Club are doing well. In fact Costco is booming. People willingly pay membership fees. The Krazy Coupon Lady reports that consistently across items, Costco and Sam’s Club are 10 to 15% cheaper than Amazon. Many use both warehouse clubs and Amazon. Though Costco offers savings, they also offer temptation to buy more. Clark’s answer: Not cart. Hands...

Duration:00:35:51

2.11.20 T-Mobile and Sprint Merger; Businesses profit sharing; Password management tools

2/11/2020
The merger between wireless giants T-Mobile and Sprint has cleared a major hurdle as a federal judge ruled in favor of the deal. Clark explains his take for consumers, including information about the impact on home internet service. Today, we pause to salute companies that value their employees. One great way to do so is profit sharing. Especially in a service businesses, workers are core and key to progress. Delta has paid huge bonuses, having profited from the grounding of the Boeing Max,...

Duration:00:36:11

2.10.20 Tesla stock massive fluctuations; No-good debit cards; Small business ransomware needs skyrocketing

2/10/2020
Some have lost a tremendous amount of their savings betting on Tesla. Know that betting on any one enterprise is risky – Apple, Amazon – stocks that become stories. Amazon went through a cycle that wiped some stock holders out. When you invest in an individual company, you’re creating risk. You could come out ahead, or lose a great deal or both. First build a base and create a strong core in funds wherein your money is well spread out. The U.S. represents 3% of the world’s population and 22%...

Duration:00:36:01

2.7.20 Mortgage rates are incredibly low right now; Clark Stinks

2/7/2020
Mortgage rates have plummeted recently. This is creating even more competition in the housing market. If you are planning on staying in your home for a while you could save a lot of money in interest payments by refinancing soon. 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

Duration:00:35:33

2.6.20 Trading in a car that isn't paid off; US Bank fired employee for good deed; Save $ on Valentine's Day

2/6/2020
There's a major problem happening all across the country. People are trading in cars that aren't paid off. This can lead to a whole lot of issues. Never trade in a car that you haven't finished paying on. US Bank fired an employee who spent her own money to help a customer on Christmas Eve. Clark thinks this is ridiculous! Clark is a romantic at heart. But he also likes to save money. So he gives you his favorite tips for saving money around Valentine's Day. Learn more about your ad choices....

Duration:00:36:39

2.5.20 Free tax filing options; Student loan company makes stupid mistake; Visa changing processing fees

2/5/2020
Most taxpayers are eligible to free file. But only 2% who qualify use the IRS free file site. Most software vendors are in the IRS Free File program, but tout their paid software instead. Go to IRS.gov - Free File: Do Your Federal Taxes for Free | Internal Revenue Service. Some of the software includes free state tax filings as well. If you don’t like the one you’ve selected, you can bail and try another. If you make over $69K a year, you’re not eligible for Free File. In that case, try...

Duration:00:36:13

2.4.20 Prevent prescription drug mistakes; Winter clothing deals; Student loan forgiveness update

2/5/2020
Pharmacy mistakes filling prescriptions are becoming more common as volume increases on a small number of players who allegedly put the pharmacists under unsafe quotas. Investigative reporting by the NYT reveals that pharmacists with the major chains are under pressure to fill prescriptions and the resulting errors. Another recent report states 1.5 million people have been adversely affected by Rx mistakes. Oversight by state pharmacy boards has failed. Marketplace pressures being applied to...

Duration:00:36:09

2.3.20 Zero-commission trading becoming standard; Fake bank email scam; Fixing our loneliness problem

2/3/2020
Last year there was the mad rush of discount stockbrokers to cut commissions on various kinds of trades to zero. Nobody's laughing anymore at the once obscure app Robinhood. Now millions use the app to trade stocks at no commission. Finally Chuck Schwab had enough and decided to stop charging commissions as- which set off an earthquake. The stocks of various discount (now free) brokers just collapsed because the investment community thought this was financial suicide. It wasn't, because...

Duration:00:36:03

1.31.20 Variable pricing gets crazier with travel sites; Clark Stinks

1/31/2020
Variable pricing has made it even harder for consumers to book travel. But there are some important things to know when you are looking to book airfare, hotels, and rental cars. 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

Duration:00:34:39

1.30.20 Paying surrender fees is worth it to ditch high costs; Ford owes drivers millions after court settlement

1/30/2020
Nonprofit and hospital workers, teachers and other 403b workers suffer much confusion from this rip off form of retirement plan. It’s a scandal that we give teachers a plan so inferior to the 401k. The surrender charge is how 403b insurance companies handcuff people to the plans. This often massive penalty fee is imposed for exiting their rip-off plan to put money in a low cost IRA – costing about 1/40th what the 403b takes. Remember 403b = rip off! A financial planning firm found that a...

Duration:00:35:00

1.29.20 Cheap eyeglasses and contacts; FDA condemns Purell claims; Delete info Facebook has on you

1/29/2020
We tend to just accept that prescription glasses are costly. There is an international cartel that’s been buying up both retailers and frame manufacturers for eyeglasses in order to corner the market and take prices through the roof. BUT, when there’s market concentration to push prices up, there’s always a rebound effect. Now there’s a fast growing marketplace of discounters offering eyeglasses at a fraction of cartel prices. Frames and lenses complete can be had for as little as $15....

Duration:00:34:58

1.28.20 Google ad result confusing changes; Car insurance auto rates rising

1/28/2020
Google search results now present in a way making it more difficult to distinguish between results and ads. Anyone can be buying those ads which could be scams, rip offs and fake companies. Legit ads are also there but you should know what’s an ad. There’s almost no delineation anymore to tell you something is an ad. “Ad” is in tiny type and they can be mistaken for search results. You need to know to look past those. Also, we generally don’t get past the first page of search results. Take...

Duration:00:34:47