The Latest from Clark Howard.

Mentioned in Clark's Videos and TV/Radio Consumer Minutes:


Mentioned on the Clark Howard Show:

Tuesday August 23
Mobile banking apps are free, but for how long? 
Beware this Social Security scam 
Short term renting (Airbnb-VRBO): Warning - rules are changing
Snafus continue with the Costco Anywhere Visa by Citi
One US automaker dominates new customer satisfaction tally

On the Calls: 
Credit freeze and thaw guide | Clark Howard
Answering 6 common life insurance questions 
How To Shop for Term Life Insurance | Clark Howard
Minimize your risk with AirBnb and VRBO | Clark Howard
End of the world prognosticators say it’s all over Sept. 27th -   Mass chillin’ recommended
Online reviews
Long Term Care Insurance
Taking over a car lease: SwapALease  &  LeaseTrader
Homes & Real Estate | Buying a Home | Clark Howard
International Travel Tips: Money, Mobile & Booking | Clark Howard
When should you use a travel agent? | Clark Howard
Should you take the lump sum settlement or pension? | Clark Howard
When You Should Take the Lump Sum Over the Pension | Clark Howard

 

Monday August 22
2 medication rip offs and how to save on Rx
Beware the Delta Facebook scam 
T-Mobile & Sprint new unlimited data plans 
Uber & Ford moving ahead with self-driving cars 
Girl Scouts deliver a lesson in bad checks. 2 Rules to live by. 

On the Calls: 
Consider organ donation | Clark Howard
Family & Lifestyle | Wills & Funerals | Clark Howard
Online funeral shopping site | Clark Howard
Max saving for early retirement
Landlord info  --  Want to buy a rental property? Read this first | Clark Howard
Republic Wireless just added new phone options and data plans for only $15 | Clark Howard
Gold Search | Clark Howard
Saving for college  --  Best 529 plans to help pay for college | Clark Howard
Long term care ins. search | Clark Howard
   Only consider whole life, NOT  universal life with the long-term care insurance rider
Termite repair bonds recommended over warranties
   http://www.agr.state.ga.us - (termite info)  
  www.gpca.org - (list of termite companies)  
Avoid services touting free TV programming - Roku recommended

 

Friday August 19
Proof positive affirmation works
Advertorials disguised as news stories online
The worst 401(k) mistake 
Clark Stinks
Solar Power - worth it! 

On the Calls: 
Home renter denied deposit from licensed real estate agency.
   Contact state real estate commission or file ethics compliant with board of realtors. Last resort – sue the agency in small claims court
How To Shop for Term Life Insurance | Clark Howard
ASE certified mechanic – can be an expert witness on a large vehicle repair / warranty dispute
Improve your credit    -    Home buying  
Credit freeze and thaw guide | Clark Howard
Handling your money overseas | Clark Howard
Why paying off PMI should be a top financial priority | Clark Howard

 

Thursday August 18
Specialty shaving services - savings
Reverse mortgage warning 
Homeowner's insurance claims 
Housing market update
Big bank bonus offers - Warning! 

On the Calls: 
Cheaper to rent a car in New Jersey for travel in New York
Pet insurance not recommended
Fake IRS phone scam making the rounds | Clark Howard
Easiest ways to buy or sell a used car | Clark Howard
AnnualCreditReport  -  How does opening and closing credit cards affect your score?
When Do You Need A Divorce Lawyer | Clark Howard  -  Divorce without a lawyer can be risky | Clark Howard
Find the best interest rates on your savings | Clark Howard   -    Bankrate.com
Dangers of putting monthly bills on automatic debit | Clark Howard
Investment Guide | Clark Howard

 

Wednesday August 17
Healthier Happy Meals with fitness trackers - Diet & excercise for kids
Fake debt collectors
A warning about retiring outside the U.S.
Pickup trucks are a bargain now
The health insurance marketplace now and next year

On the Calls: 
7 ways to start investing when you only have $100 or less | Clark Howard
Investment Guide | Clark Howard
WiFi hotspots
Credit freeze and thaw guide | Clark Howard
How to refinance your student loans | Clark Howard
Mortgage Refinance Guide | Clark Howard
The worst thing you can do after an accident | Clark Howard
Square Trade - 3 cheaper alternatives to cell phone insurance through your carrier | Clark Howard
Ooma
When Does a HELOC Make Sense in Your Life? | Clark Howard
Are you buying too much car for your budget? | Clark Howard
New ways to pay down your student loan debt | Clark Howard
What Walmart's purchase of Jet.com means for you | Clark Howard

 

Tuesday August 16
To be a millionaire by age 65
Nanny state New Jersey's proposterous driving proposal 
IDI marketing database knows all about you
iPhone meets Android with new interoperable Google apps
Clark perspectives on the threat of terrorism

On the Calls: 
JointCommissionInternational.org – medical info outside the US.
Sign up with CreditKarma & Civic -  followed by a Credit Freeze
   Free identity theft protection is here from Civic | Clark Howard
Way undervalued vehicle for sale online – scam alert!
Real estate investing pool on a single property -  not recommended.  
   Reit Index Funds  like  The Cohen and Steers realty funds - a cheaper, lower risk way to invest in real estate. 
Get debt free  
Bad medical debt hurting your credit? Here are 3 ways to attack it | Clark Howard
Caller recommends  BladeBuddy  - used same razor for 2 years
Tax problems: Consult an Enrolled Agent or CPA 
 

Monday August 15
To co-sign or not? 'No sign' is Clark's answer to loan question | Clark Howard
Ooma Telo deal: $100 via Amazon today only - Clark Deals
ClarkRageou big bank law suit over who owns 'Thank you' - tossed out
Is the department store business dead? | Clark Howard
Universal life policies are imploding. Level term life recommended
Stock market at record highs - What course for investors? 

On the Calls: 
Reverse mortgages  -  When Does a HELOC Make Sense in Your Life? | Clark Howard
Student credit cards -  Mint recommended to budget and track expenses
How to choose the best credit card for college students | Clark Howard
Wikibuy.com  & InvisibleHand  online comparative shopping tools - recommended especially for Amazon Prime shoppers-
                  A great price check & possible money saver before a click-to-buy purchase.
How to get the maximum Social Security check | Clark Howard
YOUTH Investing - Investment Guide: Beginning Investors | Clark Howard
   Vanguard - Vanguard STAR Fund   ---   Custodial Savings Account: Schwab Brokerage: Custodial Account
Donating your body to science – Contact a medical school to inquire what their procedure is – Organ donation
Expats should rent for 3 to 6 months. Caution buying property - 10 places to retire abroad for less than $2,000 a month | Clark Howard
   Expat Explore Tour - Bargain Travel Forum - TripAdvisor
Investment Guide | Clark Howard
Individually sold vision plans generally not worth it.
Best money transfer apps | Clark Howard
Dangers of the "Penny Stock" scam | Clark Howard   ---   Pump and dump scams make a comeback | Clark Howard
Protect your child from identity theft | Clark Howard
 

 

Friday August 12
Online legal tools ease legal systems
Terms of service failure
Investing in real estate - warning
Clark Stinks
Online shopping: Take your time 

On the Calls: 
Credit Freeze and Thaw Guide --  AnnualCreditReport
Identity Theft Guide | Clark Howard
Student Loan Guide | Clark Howard
Donating old cars, computers & cell phones | Clark Howard
Beware this used car donation gotcha
Multi-level marketing  -  Is Wake Up Now A Scam? | Clark Howard
Student credit cards
How to choose the best credit card for college students | Clark Howard
Investment Guide | Clark Howard
Target-date retirement funds perfect for 'set it and forget it' investing | Clark Howard
 

Thursday August 11
Dollar Tree steak and dollar store favorites 
401(k) brokerage window - A warning
Forgotten treasure: US Savings Bonds 
2 clicks from cancer: self-diagnosis online
Robot shuttles - automated buses ease traffic

On the Calls: 
Investment Guide | Clark Howard
Insurance | Life Insurance | Clark Howard
Collections
MLM vs. Pyramid schemes. Know the difference | Clark Howard
Student loan repayment
Key to preventing tax identity theft | Clark Howard
Mortgage life & disability insurance – aka  croak and choke policies inflict premiums
     10X the cost of term life insurance. The benefit goes to the bank. Don’t.  Level term life recommended.
T-Mobile International calling
When should you use a travel agent? | Clark Howard
Old stocks found: Go to a discount stock broker – A Charles Schwab or Fidelity Investments office by appointment.
   They have an online guide to figure out who the ultimate corporate entity is. Store stocks in a new account
                                   from which you can sell them. Put proceeds in index funds.
A dentist lied about needed procedures:  File complaint with state dental association / report to local TV
Mutual funds remain viable even if parent company goes bust. Another operator would be appointed. 
 

Wednesday August 10
Carvana expands - Buying a used car, sight unseen
ClarkRave: Spontaneous goodness - subway rescue
Cruise and Airfare bargain season, plus boat rentals 
Big Food reformulates for less ingredients
GoGoGrandparent bridges the tech generation gap 

On the Calls: 
Acorns - Apps to start investing from your smartphone | Clark Howard
Mortgage Refinance Guide | Clark Howard
Airbag recalls – danger notices issued. 
Nolo basics of provisional patent application
Kickstarter  &  IndieGoGo  for manufacturing funding
Nolo.com WillMaker
Credit monitoring is widely available for free – Civic.com – CreditKarmaCreditSesame
Free identity theft protection is here from Civic
Credit Freeze and Thaw Guide
Retirement plan options for small business
Find a fee-only financial planner  
Best 529 plans to help pay for college | Clark Howard
11 best ways to find a college scholarship | Clark Howard
PlayStationVue – streaming TV alternative  
 

Tuesday August 9
Variable online pricing: discounts for no-return & debit purchases
Phone company cramming charges persist
New collections rules at last
Price parity by state - 5 states where $100 will go the furthest
Best prepaid - stored value cards include Bluebird

On the Calls: 
International Travel Tips: Money, Mobile & Booking | Clark Howard
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
Best cheap printers | Clark Howard
Clark's Investment Guide | Clark Howard
Protect your child from identity theft | Clark Howard
Bank fees
Clark's golden rule for investing in gold | Clark Howard
Timeshares
LinkedIn a good tool for mid-career job seekers
Clark.com/employment-military
Student Loan Guide | Clark Howard
“How to get rich” investing programs NOT recommended. 
 

Monday August 8 
Can fitness trackers make a real difference? 
Online leather purchases - Warning
Dish network skinny bundle deal 
Walmart to acquire Jet.com to compete with Amazon
RipOff Alert: Counterfeit gold coins - How to add gold to your portfolio

On the Calls:
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
What you need to know about store credit cards | Clark Howard
Acer 15.6" Chromebook for $120 - Clark Deals
If you intend to buy an Apple Watch, buy used.
Overseas, a real Visa with no foreign currency fees offers more protection than a prepaid Visa card.
International Travel Tips: Money, Mobile & Booking | Clark Howard
Helocs – Today’s low, fixed mortgage rates are preferable to a floating rate.
Credit freeze and thaw guide | Clark Howard
6 free ways to learn how to code | Clark Howard
How to refinance your student loans | Clark Howard
CreditCardTuneUp.com to find the best reward card for your needs.

 

Friday August 5
Uber & Lyft pricing
Tech no-support
Lifestyle cancer prevention
Clark Stinks
Insuring a teen driver 

On the Calls: 
Make college affordable
KayakMobissimo best sites for booking international travel. 
International Travel Guide
Student loan guide  -  Student loan forgiveness
7 Senior Scams And How To Combat Them | Clark Howard – screen calls with an answering machine.
Top 10 financial scams targeting seniors and how to avoid them | Clark Howard
Robocalls – Consider going to wireless monitoring for a security system and dumping the landline
Luggage: Clark recommends Costco’s Kirkland Signature Carry-on for $99. Guaranteed forever.
        Also check reviews at E-bags.com
Best and Worst Airlines for Miles Redemption | Clark Howard
The 7 Best Travel Reward Cards | Clark Howard
Nerdwallet  -   Creditcardtuneup  to help determine the best reward card for individual needs.
The big Costco credit card switch: Here's what you need to know! | Clark Howard
Buying a mattress
Clark's Investment Guide | Clark Howard
       – Diversification should include Developed and Emerging Market Funds. 
 

Thursday August 4 
Economic inequality: Clark Smart direction
Frivolous non-complete convenants
How to hire a medical billing specialist as an advocate
Food waste and labeling
Vehicle purchase apps - Buying a car sight unseen

On the Calls: 
Universal life insurance not recommended.
   Whole life works in some circumstances, if you can afford high premiums and earn a very high income.
Ransomware
i-bonds guide
Should you close your credit card? | Clark Howard
Investment Guide
Easiest ways to buy or sell a used car | Clark Howard
Money and marriage
Life insurance should NEVER be used to pay for college - NOT tax free, as is a 529 Plan or Coverdell
Coverdell accounts offer way to pay for private school | Clark Howard
Scavenger debt collectors
Know your rights with debt collectors | Clark Howard
Becoming a Landlord: How To Find a Good Tenant | Clark Howard
EMPOWERMENT ZONE:  Clark alumus Evan's early retirement 
 

Wednesday August 3
Utility stock warning 
Hoverboard recalls
New finding in the psychology of cash
A Clark Smart retirement solution for America
Gas prices in the foreseeable future

On the Calls: 
Renting out your RV through a site like Outdoorsy – check with your insurance company on liability.
Federal workers’  Thrift Savings Plan (TSP) one of the best retirement plans offered.
       Roth TSP recommended for younger workers.
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
Clark's Charity Giving Guide | Clark Howard
How To Find The Best Reward Credit Card | Clark Howard
A capital preservation trust can mete out an inheritance, but requires a trustee
        – administered by an organization such as Vanguard
Investment Guide
Bank fees
What is a backdoor Roth IRA? | Clark Howard
Why Entrepreneurs Should Avoid Business Credit Cards | Clark Howard
Are extended car warranties worth it? | Clark Howard
Why you should never buy third-party extended auto warranties | Clark Howard
Selling a home
Auto insurance claims
Get proper training to become a travel agent.
   Paying a fee to an agency to work there doesn’t make you an agent. 
 

Tuesday August 2 
Back to school savings 
Car rental lesson
Healthcare costs and reform 
Online returns as bargains
The hazard of lengthy loans 

On the Calls: 
How to buy a used car
How to find a fee-only financial planner | Clark Howard
11 best ways to find a college scholarship | Clark Howard
Home selling
Should you close your credit card? | Clark Howard
Credit Score Guide | Clark Howard
Hoverboards
Student credit cards
9 Places You Should Never Use A Debit Card | Clark Howard
2 reasons to never use a debit card at a gas station | Clark Howard
Becoming a landlord
Clark's Investment Guide | Clark Howard
Credit checks for existing customers should not be affected by Credit Freeze
Low cost, efficient ways to invest in real estate:
      The Cohen and Steers realty funds trade like mutual funds  –  Reit Index Funds  
 

Monday August 1
What a difference investment fees make
The 'Nancy' from card member services phone scam 
Warning: co-signing a loan
Cost and pain reducing dental treatement
App store toll on Spotify

On the Calls: 
Protonmail a free double password protected encrypted email service.
      Can use on Chromebook, or phone app.Roth IRA
Roth vs. Traditional 401k
Investment Guide
Why paying off PMI should be a top financial priority
Questionable website purchases made safer paying with anonymous Visa gift cards.
      Downside – no dispute rights. Gauge your risk. 
Caller’s positive experience with OBD auto reader tool for diagnostics
Legit for T-mobile customers - T-Mobile Tuesdays - ClarkDeals
3 big changes coming to Republic Wireless | Clark Howard
Peer to peer lending: Prosper and Lending Club as low risk investments -
   5 brilliant ways to invest an extra $500 | Clark Howard
Rental Property
Long Term Care Insurance premiums are not guaranteed.
    Alternative: A long-term insurance rider in a whole life policy allows a living benefit
   for long-term care if needed, instead of the death benefit. Or borrow against an existing policy.
Free Credit Report Guide | Clark Howard
Improve you credit score

 

Friday July 29 - Replay 6-30
Online shopping tricks and rip offs
Grandmother loses $6,000 in iTunes gift card scam
Employer provided emergency loans - Kashable a recent system 
Therapy via video conference
Best ways to get a small business loan

On the Calls: 
Auto repos can lead to a deficiency judgment against you | Clark Howard  -   Nfcc.org for credit counseling
Should you close your credit card? | Clark Howard
Record keeping – How long?
Nolo.com - LLCs  -  LegalZoom-Start an LLC
6 ways to tackle your credit card debt | Clark Howard  -  Paying Off Credit Card Debt | Clark Howard
Target-date retirement funds perfect for 'set it and forget it' investing | Clark Howard
Work from home
How to fix errors on a credit report | Clark Howard  -  BBB complaint
Clark does NO endorsements for any products or services. Ads encountered on his radio show or site are not endorsements.
Mortgage refinance   
529 Plan Guide
EMPOWERMENT ZONE – Kavantas is a high school honors grad from Memphis whose extraordinary work ethic is giving him a debt-free path to college. At 12 he started work selling Sunday papers and caught the earning bug. Kavantas worked 10 hours every Sunday for 4 years. He developed a loyal following. He saved $12,000 and got scholarships. He’ll be going to TN State to study physical therapy. His Mom said to always keep his composure and keep pushing forward. Getting to college without debt IS possible.  
 

Thursday July 28 - Replay 6-29
A new resource for navigating fertility clinics
Telemarketing charity scams
The new book market for readers and authors: On-demand printing - Self publishing guide
Attention Amazon shoppers - price check on convenience shopping
Renter's insurance

On the Calls:
Peer-to-peer lenders raising interest rates | Clark Howard
Peer-to-peer lending & small business loans
Saline spray use during air travel is recommended to maintain upper respiratory health
Get around contact lens price fixing  - Consult with discounters about what brands they can sell free-market.
                           Have the Dr. write the Rx accordingly. 80% cheaper
Everything you need to know about getting cheap prescription glasses online! | Clark Howard
  -  Progressive lens concerns: pay a trusted source for your main pair, buy a backup pair online. Compare. 
Mortgage: Home buyer beware lender $ incentives Must shop lenders to know if it’s a deal.
Communications apps include KakaoViberWhatsapp, GoSMSPro & more. Can load several on phone for overseas travel.
Tesla   -  Sell a used car
Wedding planning
How to start saving
 

Wednesday July 27 - Replay 6-2
Characteristics of successful start-ups
Variable annuities 
Overseas money transfer - Transferwise
Online small business loan rates
Student loan repayment

On the Calls: 
Peer-to-peer lending interest rates - Prosper  and Lending Club - online lenders
CreditKarma – free credit monitoring
Identity Theft Guide
Life Insurance
HUD.gov - FHA home loan program
Credit Freeze and Thaw Guide
Cheapest and easiest ways to do a will | Clark Howard
Roth IRA
Prepaying works on simple interest loans with NO prepayment penalty.
Teen drivers: Have them drive an old car which only needs liability insurance, on a separate policy,
                      & never drive the parent’s car. Call your agent for best advice.
Beware the fake check scam  -  call customer service of issuer to verify
Shop auto/home insurance every 3 to 5 years - How to shop for auto insurance | Clark Howard
Loyalty punished for  keeping the same insurance for years
   AND for still having a landline - Straight Talk Home Phone – StraightTalk.com
Trip to Paris – Airbnb.com & download (using Wi-Fi) Trip Advisors Guide to Paris – International Travel Guide
Mailing taxes – Use Certificate of Mailing (cheaper than certified mail) - Or send FedEx or UPS. E-filing recommended 

 

Tuesday July 26 - Replay 5-26
Whole Foods' 365 discount store
Online security
Young savers learned recession lessons well
Affordable higher education - Maryland's excellent innovation
Declining birth rates: pros, cons, and preparation for jobs

On the Calls: 
Nolo.com
Mortgage insurance - The worst insurance in the world
Investment Guide
Debit card dangers
Beware scholarship search rip offs - Fastweb – an authoritative source on college scholarships 
Life Insurance Trust – can appoint a trustee to fulfill your inheritance wishes.
When not to contact your insurance company | Clark Howard
Credit Score Guide
Go Save Young Investor: $1000 to get into the Vanguard Star Fund – Roth IRAs
Unemployment
Empowerment Zone – Meet Laura –Financial Power of Attorney for a mom with Alzheimer’s. With the help of the SEC, Laura rescues her mom's money from a high commission stock brokerage firm, and puts it into a low cost investment company. We must be on guard for our loved ones.  
 

Monday July 25 - Replay 5-19
Social media shaping the marketplace 
Ransomware scams 
Tello - New low cost customizable cell provider
Auto trends and deals
Sites that analyze and help reduce your monthly bills

On the Calls: 
Credit reports, scores and CreditKarma
Identity Theft Guide
Beware the inheritance email scam. You did not inherit $millions, after all
Homeowners insurance
Dangers of putting monthly bills on automatic debit | Clark Howard
AnnualCreditReport.com – CreditKarma -
Vehicle leasing – may be the best option tax wise for business use.
Tracing the family tree: Ancestry.com - Genebase - National Geographic Society’s Genographic Project
                                         -Mormon Church data bases 
Car rental for summer travel
Password clearinghouse sites
Investment Guide
 

Friday July 22
Low cost investing price war
Retailer private policing and intimidation over shop lifting
Expedited airport travel - programs to reduce time in line
Clark Stinks
Upaid life insurance benefits 

On the Calls: 
Are extended car warranties worth it? | Clark Howard
BEWARE: Debt consolidation scam calls – a pretext to get personal info 
   AND companies parading as debt consolidators prospecting for debtors to rip off.
Identity Theft Guide | Clark Howard - Credit freeze and thaw guide | Clark Howard
Free and cheap retirement plan options for small businesses | Clark Howard

When not to contact your insurance company | Clark Howard
Auto insurance companies penalize use of covered roadside assistance. Caller gets it via cell provider for $36 a year!
Work from home resources
Targeted Retirement Funds
Annuities
 

Thursday July 21
Business licensing 
Facebook - Social media hacking 
Pay TV gouging / Sling TV 
Most / least reliable cars - J.D. Power's Initial Quality Study: KIA is king
Pharmaceutical reps influence on doctors / Affordable Rx

On the Calls:
A medical practice can reclaim a collection. Send a letter of explanation to their  billing office.  
   State or local medical association affiliates offer dispute programs.
Free and cheap retirement plan options for small businesses | Clark Howard
   Small business can provide a match in SEPs without the costs of 401K’s
New free app resolves customer service issues for you! | Clark Howard

Investment Guide
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
How to find a fee-only financial planner | Clark Howard
Pay for investment advice or get it "free"? | Clark Howard
Target-date retirement funds perfect for 'set it and forget it' investing | Clark Howard
Low-cost investment options by dollar amount | Clark Howard
Do you know what you're paying in investment fees? | Clark Howard
Cars | Accidents | Clark Howard  - Your insurer will offer replacement value – the other party’s will offer fair market value.
        If less,  meet with adjuster’s supervisor to compare research. …
Should you dump your old gas guzzler? | Clark Howard
 

Wednesday July 20
Airfare bargain season
LED lighting
Webcam and biometric privacy 
A great new resource for used car buyers-VehicleHistory.com
Cost saving cellular advances - Republic Wireless

On the Calls: 
Roku streaming media players
Options for international communication –  Project Fi: Google's New $20/month Cell Service | Clark Howard - Viber - T-Mobile
Handling your money overseas | Clark Howard – The Charles Schwab debit card allows international ATM use fee-free
International Travel Tips
Squaretrade.com – if you must insure a phone
The unlikely reason your credit could take a hit if you have the new Costco card | Clark Howard

Authorized credit card use - How a 19 year old got a credit score of 820 | Clark Howard
KentuckyDerby bargain hunters stay in Cincinnati. Buy tickets the day they go on sale in November
Paying Off Credit Card Debt | Clark Howard
 

Tuesday July 19
Job satisfaction ratings and your employment options
Low prices on 2 vices, including donuts
Hackers now target bank data bases. Prevention measures
 Easy way to know if your account has been comprimised
GMO labeling
Pokemon Go marketing offers 

On the Calls: 
Investment Guide
Know your rights with debt collectors | Clark Howard
The Truth About the Cost of Escrow Payments | Clark Howard
Get the most money for your old phone

Ignore unfamiliar booking engines on Kayak.  Google.com/flights recommended
Use a retail travel agent to vet  online Caribbean tour operators
Vacation Club schemes – cancel by certified mail
What's up with travel clubs promising free travel? | Clark Howard
Credit Freeze and Thaw Guide – Must thaw to open a new credit card.
     If you know which credit bureau that bank uses, thaw only that one.   
Fidelity Rewards card the best for cash back – 2%
How To Find The Best Reward Credit Card | Clark Howard
Business telephone services: In addition to auto attendant services, check out  8X8.com  and  Ooma
Mortgage Refinance Guide
Solar Power
Short term car leases: Check out LeaseTrader - SwapALease

 

Monday July 18
Tesla autopilot fatality  -  Clark's take on Tesla autopilot
Average checking account fees - many unaware
Netflix password sharing rumor
Market investment safety
Herbalife will pay $200M for its sketchy business model

On the Calls: 
Credit freeze and thaw guide | Clark Howard
Best 529 plans to help pay for college | Clark Howard
Why you need owner's title insurance when you do a refinance | Clark Howard
Owner's title insurance offers protection | Clark Howard
Crucial insurance for home purchases and refis | Clark Howard
Should you take the free Windows 10 upgrade? | Clark Howard

Betterment investing - Big 3 discount investment houses go all in on robo-advising | Clark Howard
– Choose the company that feels best to you.
Tips for first-time homebuyers | Clark Howard
Coverdell accounts offer way to pay for private school | Clark Howard
Education Resources | Clark Howard
Recommended checking /debit card for teens: USAA youth spending account or Capital One 360 teen account.
Moving and UShip information. It’s sometimes cheaper to ditch furniture and buy for new location.
Paying Off Credit Card Debt | Clark Howard
 

Friday July 15
Athleisure wear odor issue
Online seller alert! Beware the PayPal scam
New mortgage lets you borrow for energy upgrades 
Clark Stinks
Motorcycle fatalities / safety

On the Calls: 
Loan co-signing: Here's how to limit your risk | Clark Howard
CreditKarma – to track credit score
Ooma recommended as a flawless in-home phone service. Clark uses MagicJack for overseas travel only.
The Free and Cheap List | Clark Howard
Consumer Cellular included - Best cell phone plans & deals for 2016 | Clark Howard
Life insurance and annuities are sold not bought- in the agent’s self-interest. Generally term life is best - no commission.  
Choosing the right insurance for you and your family | Clark Howard
Consumer Federation of America’s EvaluateLifeInsurance.org

Quicken & Mint budgeting tools – a calculated but worthwhile risk to give them your info.
Foreclosure websites that don’t deliver: Take a screenshot and dispute the charge
   (if credit card purchase) for failure to deliver service. Interview neighborhood realtors to find local deals.
Foreclosure Guide | Clark Howard
Identity Theft Guide | Clark Howard
Credit Freeze and Thaw Guide
Student Loan Guide   -   IBRinfo.org   -  ed.gov
 

Thursday July 14 
Home sharing for travelers
Counterfeit goods online
Emergency room costs
Self-employed reserve funds
Authorized users vs. co-owners on credit card accounts 

On the Calls: 
Cheapest and easiest ways to do a will | Clark Howard
Living Will and Durable Power of Attorney FAQs | Clark Howard
Credit Score Guide | Clark Howard
Hire a Medical Billing Specialist as an Advocate | Clark Howard
11 nuggets of wealth-building wisdom | Clark Howard

Student credit card offers: Should you apply? | Clark Howard
Get a Will done
Timeshare & Prepaid vacation scheme pitch – NO. Run!  
Travel Planning and Booking Guide - How to score the best deals 
International Travel Tips: Exchanging Money, Overseas Mobile Connections & Booking
Travel Insurance Guide
Travel Deals
When should you use a travel agent? | Clark Howard
TripAdvisorAllegiant Airlines offers cheap airfare to Hawaii
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
MLM vs. Pyramid schemes. Know the difference | Clark Howard
 

Wednesday July 13 
Amazon & Walmart compete on July deals
Big bank mortgage rates lag
Wage hikes - The job market now
Sizzling cell deal & Verizon news - Amazon offers unlocked cheapest Moto G4 for $150with a catch 
New student loan rates 

On the Calls:
Mixing emergency funds with investing – not recommended.   
Big 3 discount investment houses go all in on robo-advising | Clark Howard
Timeshare advice
Gifting a house?  Consult a lawyer and accountant together on tax strategy.
CreditCardTuneUp.com – to determine the best reward card for you.
    Warehouse club cards recommended from Sam’s & Costco.
Mint  a great budget tool. You have no liability on hacked credit cards if that should happen. 

Ooma recommended for home phone service.
Can keep it simple with Target Retirement Funds in a ROTH IRA
Pay enough down on a home to avoid PMI -  Why paying off PMI should be a top financial priority | Clark Howard
Medishare vs regular health insurance: These are religious based risk pools. Pray there’s enough $ for catastrophic illnesses.
   - A matter of trust without normal underwriting. Popular because they’re cheaper. Know the risks.
Faith-based organizations paying for your health care | Clark Howard
Affordable weddings
Best and Worst Airlines for Miles Redemption | Clark Howard
 

Tuesday July 12 - Replay 6-23
529ABLE accounts for the disabled
A massive pump & dump (penny stock) scam rakes in a quarter billion dollars
Should you take the free Windows 10 upgrade? 
Resources for entrepreneurs - FreelancersUnion.org
The Kahoot learning resource 

On the Calls:
Investment Guide
6 ways to lower your auto insurance  
DMAChoice.org - 4 Ways To Opt Out of Junk Mail | Clark Howard
Long Term Care Insurance Honor Roll | Clark Howard – Rates have skyrocketed.
   Now available:  life insurance  with long-term care benefit riders.  Whole life preferable to Universal life with these.
Identity Theft Guide - Credit Freeze is free for victims of identity theft.
State Defense Force sign up | Clark Howard 
TripAdvisor Vegas Show guide - Tix4Tonight.com – 2for1shows.com
Warnings about buying in the condo market
Know your rights with debt collectors | Clark Howard  -  Sample Drop Dead letter to collections
 

Monday July 11 - Replay 6-22
Innovations in used car buying
Utility scams
Young entrepreneurs 
Buy or sell canceled hotel reservations - RoomerTravel.com  &  Cancelon.com  
New deals on traditional pay TV - Pay TV Deal

On the Calls: 
Credit Freeze -  AnnualCreditReport.com operable. Thaw to get going on CreditKarma – then refreeze.
Extended car warranties
Travel Insurance Guide
Home refinance – Get a more accurate property appraisal  
Investment Guide – Target Retirement Funds
Longevity insurance – 2 Annuities that make sense
Buying a used vehicle  - 6 most reliable SUVs on the road | Clark Howard
529 Plan Guide

 

Friday July 8 - Replay 6-21
Deferred interest trap - NoNoNo plans
Debt buyers and collections
End of life planning: New funeral options
DIY medical devices
Electronic energy vampires 

On the Calls: 
How the Consumer Financial Protection Bureau can help you | Clark Howard
Dental insurance
Credit Score Guide | Clark Howard
Google.patents.com – patent search. Inventions & Patents | Clark Howard
Buying foreign property:  Must know the area inside-out. Go live there for a couple months….
  10 places to retire abroad for less than $2,000 a month | Clark Howard
Mortgage Refinance Guide | Clark Howard
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard –
   3rd party travel packages may cost more than booking direct by phone. Try multiple ways to save each time. It’s a moving target .
Cfpb.gov – file a complaint against a bank.
Private jet empty leg aggregate sites make unrealistic promises. SurfAir an exception with limited area coverage. 

 

Thursday July 7 - Replay 6-20
Telemedicine benefit reduces healthcare costs
Life insurance hikes
Microhotels
Home energy savings
Dull investing vs. hedge funds 

On the Calls:
Synthetic identity theft – someone using your ss number under a different name. Check AnnualCreditReport.com
Investment Guide - Diversification
Financial Freedom - 80-10-10 mortgage
The benefits of targeted retirement portfolios
Maximizemysocialsecurity.com - $40 software to run scenarios for maximum benefit.
An effective source of funds when starting a business can be personal credit cards. CreditKarma.com – credit score info
Score.org – advice for small business. Funding: LendingClub and Prosper.  Sam’s Club has a lending program for members.
Solar power
Credit Score Guide | Clark Howard
 

Wednesday July 6 - Replay 6-16
Grocery store delivery options
Full commission stock brokerage busted
The true value of college
Dollar store wisdom
Banks vs. credit unions 

On the Calls:
OOPS! Lost credit freeze pin - Must receive new pin by mail after sending ID
Alaskan cruise – Smaller ship, better experience. Larger ship, lower price. CruiseCritic.com – See a cruise specialist.
    Sunday Travel sections have co-op cruise ship ads -  a source of agencies with preferential prices.
Generally advantageous to have home/auto from the same insurer – Home & auto insurance
Balance transfers
Investement Guide -  SEP IRAs
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
The #1 tip to help maximize your 401(k) investing | Clark Howard
Umbrella liability insurance - 8 ways to avoid going broke in retirement | Clark Howard
Online banks including GE, a safe smart choice – 5 online banks that totally rock | Clark Howard - Bankrate
Best deal outside the US is to have an investment account with Charles Schwab – fee free ATM card
International Travel Guide
Avoid business credit cards
 

Tuesday July 5 - Replay 
Prostate cancer update - active surveillance
Stored value cards = no interest
Big bank electronic payment
Soda vs. water
Credit reports and scores 

On the Calls:
Lost international airline baggage – research responsibility and file a complaint with the DOT and responsible airline.  
Chip credit cards and readers

Costco AMX – print out your statements for the past year while you still can.  

The big Costco credit card switch is coming: Here's what you need to know

AMX makes last ditch effort to retain Costco customers
Costco's new credit card is a deal for you | Clark Howard 

Crowd funding for real estate: an unknown with high fee rates.
   Cohen & Steers  A respected real estate investment enterprise with a low expense ratio – highly diversified
New ways to pay down student loan debt  -  ed.gov
Payment apps
520 Plan Guide  
Learn how to counter lowball offers from auto insurers | Clark Howard
Cars | Accidents | Clark Howard
Warning to sub-prime homebuyers: Contract for deed lending under scrutiny 
 

Monday July 4 - Replay 6-9
Fear of self-driving cars 
Overdraft ripoffs
Epic coal vs. clean energy debate
Credit card debt help - MeetTally.com
FCC.gov Consumer Help Center

On the Calls: 
529 Plan Guide
Trip Adviser’s New York City: Attraction Passes - An Analysis  + reviews on Yelp
Advertised devices for lowering energy bills don’t work. Switching to energy saving lighting can save 15%
Extended warranties on cars – Can shop dealers online and save. Make SURE it’s the manufacturers own warranty.
Military Guide
Identity Theft Guide
Multi-level marketing (MLM) vs. Pyramid schemes  MLM test: Do you believe in the product or service?