The Latest from Clark Howard.

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


Mentioned on the Clark Howard Show:
 

Friday Sept. 30
How to get a free haircut from a professional stylist | Clark Howard
"Make a huge return on your money without risk" - A ClarkRageous lie
Free ways to transfer money within the U.S. and overseas | Clark Howard
Clark Stinks! 
RIP OFF ALERT! Gift card & prepaid card scams abound

On the Calls: 
Sally –    Has a variable life policy purchased in the 70’s. “Vanishing premium insurance” except the premium didn’t vanish.
                     Spend $80 here: EvaluateLifeInsurance.org
Tim   -    Auto insurance hike: ChoiceTrust.com – click on your Clue report free. LexisNexis Personal Reports
Sheila – Car for her daughter: Mazda & Nissan recommended – reliable but depreciate quicker and thus more affordable.
                 Buy a used car  with electronic stability control  -  Best used cars under $10,000 and $15,000 | Clark Howard
Neal -     Pension plan terminated. 1 time pay-out or qualified joint and survivor annuity? 
                Almost always, the survivor annuity is a superior choice.  Consult a fee-only financial planner to run the numbers
Jimmy -  UK Sweepstakes check for $4000 – BOGUS!  You deposit the check and wire $ back to them to pay taxes.
                                                       The check bounces – you’re out the $ you wired.
Robert -  Going to Alaska – Travel Booking and Planning Guide | Clark Howard
Dave – Power steering intermittent. $900 repair. Automaker will pay 50%. Meet with factory rep or GM at dealer.
                  File a Vehicle Safety Complaint | Safercar | National Highway Traffic Safety Administration (NHTSA)
Millie – Mountain & lake view property solicitations -  Vulture investors bought failed resort developments,
              waited for recovery to make their profit. Buying raw land at one of these properties – NOT recommended.
                                           For 2nd / vacation home, buy built property, not just a lot.
Kevin –Lyft or Uber: Comparing ride-share services as a source of income | Clark Howard   -   Work From Home guide | Clark Howard
Keith -  Getting credit cards at his address under different names: Synthetic ID Theft.  Pull all 3 files at AnnualCredit Report.com.
                  Dispute invalid applications for credit.  Also do a credit freeze: Credit freeze and thaw guide | Clark Howard
Booker – USAA / Eligibility
Nelson – Credit freeze is prevention - the best protection, superior to monitoring.  

 

Thursday Sept. 29
Peer-to-peer car sharing a win-win
Small business warning: Email hackers steal millions
Sedentary lifespans and Clark's 1 Minute Rule
The skills gap and where the jobs are
Renting vs. buying a home

On the Calls: 
Jeremy –  Buying  a rebuilt or salvage titled car cost 25% less. CAUTION!  – high risk.
Mitchell –  Investment Guide
Kathy     -  9 ways to find free money | Clark Howard
Lorenzo – Cash back debit card offers – legit?
                  Smaller banks & credit unions make $ every time you use your debit card and choose credit.
                  They make enough off processing fees to return 2% to you. It costs the merchant, but is great for the consumer.
Jesse -  S.California : earth quake policy recommended 10 things homeowners insurance doesn’t always cover | Clark Howard
Jason -     First time home buyer
Ask Clark: Joe – In summer turn thermostat up 6 degrees when gone. Reverse in winter. ON/OFF not recommended
                            A look at the Nest thermostat | Clark Howard
Jean –    Cheap NFL tickets: check Stubhub the weekend of the game The best place to find seats for any event | Clark Howard
Mike –       Landlord.com  -   Tenant Screening | TransUnion SmartMove | Tenant Background Check
Kathleen -  Credit freeze and thaw guide | Clark Howard
Jack    -      Consult a Fee only financial planner for parents’ funds
Robert -      Record, Paperwork and File Keeping | Clark Howard
James -       Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard  -  
                     10 tips to become debt-free as quickly as possible | Clark Howard
Joanne –     How 50-somethings should plan for retirement | Clark Howard
Jim -    With collections – have them send you written confirmation that the amount you send “settles the debt in full”.
            Then pay them with a money order only.   Know your rights with debt collections - Clark.com

 

Wednesday Sept. 28
ACSI reports - TVs
Halloween spending
This university is offering a master's degree for only $7,000! | Clark Howard   
The economic plight of men and the real role of trade 
US oil and energy production

On the Calls: 
Sam -  Investment Guide | Clark Howard
Ben - The only legitimate use for a home equity loan| Clark Howard  -  
          Best balance transfer and 0% interest credit cards | Clark Howard
Grog – Home seller owner financing:  Use a real estate lawyer.  Get at least 20% down. Costly if you have to foreclose
Todd – Needs to switch from Wells Fargo Wells Fargo fined $185 million for improper account openings | Clark Howard
                                                 How to choose and switch to a better bank for you | Clark Howard
               The Best of Clark Howard | Clark's Greatest Hits | Clark Howard
Darryl – mobile banking on the road: buy Straight Talk mobile & use the hot spot for financials –
                                                  or add hot spot to your cell service.  
                  Mobile banking risks on the rise: 9 ways to protect your money | Clark Howard
Leslie – Bankrate.com to get the best savings rates.
Jason – Should you close that paid-off credit card? | Clark Howard  - 
​                What you need to know about store credit cards | Clark Howard
John  -  These hotels were hacked in 10 different states | Clark Howard

 

Tuesday Sept. 27
Equifax employs new credit scoring calculation
ClarkRageous free trial offers - often costly
New American boomtowns offer opportunity 
Uber & Lyft vs. car rental
Employer health coverage: Open enrollment tips

On the Calls: 
Eric -  Find end of summer deals on grills in-stores & online -  Char-Broil 2 burner grill deal: $54 at Amazon - Clark Deals
Gail – Long Term Care Insurance Honor Roll | Clark Howard  -  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.
Amy - Protect your child from identity theft | Clark Howard  -   CreditKarma offers free credit monitoring
Carter  - Unless you routinely encrypt e-statements  - Why you need to turn paper statements back on | Clark Howard
                  Wells Fargo fined $185 million for improper account openings | Clark Howard
Maria -  Neighbor’s tree branches overhang her property. If diseased, removal is neighbor’s responsibility.
              If healthy, she should remove branches. Get written permission to come on tree owner’s property for the limb removal.  
Mark - 3 cheaper alternatives to cell phone insurance through your carrier- Clark.com
Ginger – Google Drive & Google Photo recommended for free cloud storage.
               Free and easy ways to back up your data with cloud storage | Clark Howard  -  
               Easy ways to get more storage on your smartphone | Clark Howard
Ask Clark: Paul’s home listing duplicated for Craiglist scam. Monitor listings  -
                     Scammers hit payday on Craigslist, according to study | Clark Howard      Craigslist vacation rental scam
Mark -  Get rid of annual fee card AFTER you replace it to maintain the utilization portion of your score.
              Reward cards – For travel reward cards, consult  ThePointsGuy  -   
              CreditCardTuneup  will help determine the best reward card for you
Rex – The Volkswagen settlement: What you need to know | Clark Howard
Darryl – Liquidation land sales: The lots were never worth the claims.
              They’re worth whatever the market will bear.  See a real estate attorney.
Ask Clark – Nick –Save on merchant processing fees-Clark.com

 

Monday Sept. 26
Yahoo confims hack - Security action required 
Wells Fargo triples down: More ClarkRageous offenses
Lemonade reinvents home and renter's insurance 
New Freddie Mac program for first-time home buyers 
Ad tracker blocking 

On the Calls: 
Emily – Inherited $: Pay off loans & max out a Roth -  Investment Guide | Clark Howard
             -   Best 529 plans to help pay for college | Clark Howard
Becky – Husband in flight school – private loans only -  Private Student Loans | Clark Howard
Michelle – Low auto loan rates are not a reason to buy a new car
              - The True Cost To Own A Car Is More Than You Think | Clark Howard
Peter - Using Acorns -  6 ways to buy stocks for free or very cheap | Clark Howard
             -  5 ways to build credit and save money in your 20s | Clark Howard
Jim – got a credit card in the mail he doesn’t recall applying for.  CreditKarma  -  Credit Freeze and Thaw Guide
Jody –Clark's Health Savings Account Guide | Clark Howard  -  HealthSavingsAdministrators
Chilie – Credit card ‘leapfrogging’ – Find & receive a no annual fee card @CreditCarTuneup - then dump a high annual free card.  
Susan – An investment opportunity found online is not transparent. Run.
Brenda – Solar Power -   PPA: Power purchase agreements are not recommended. Better to finance the panels.
                One risk: your state public service commission may change solar rules.
Jeff –Insurance | Health Insurance | Clark Howard
 

Friday Sept. 23
Playing the credit score game
RIP OFF ALERT! Beware the delivery scam
Quick-serve restaurant apps let you skip the line
Clark Stinks
Librarian's income yeilds a $4M bequest- Max saving

On the Calls: 
Mark: - Tug2.net timeshare users group  -  Timeshare info | Clark Howard
Kelly –  Saddled with a 403(b) plan? You have better options. | Clark Howard
              Long Term Care Insurance Honor Roll | Clark Howard
Sean -  BBB Online Complaint System | Get Started
Alex -    20 years old and has a 401(k). Why Compound Interest Is A Saver's Best Friend | Clark Howard
                 Employee Stock Purchase Plans (ESPP) – Don’t put it all there!
                 The #1 worst mistake you can make with your 401(k) | Clark Howard
                 Who Wants To Be a Millionaire? | Clark Howard
Gene -  Rapid re-scoring companies dispute credit report items to manipulate scores. Not ethical.
John -   Going to China International Travel Tips: Money, Mobile & Booking | Clark Howard   
                                       Handling your money overseas | Clark Howard
Blane -    CLARK'S INVESTMENT GUIDE
Julia -     Married couples can file taxes jointly without impacting credit scores.  Credit Score Guide | Clark Howard
               Clark's tips for handling money in a relationship | Clark Howard
Martha – Gerber Life College Plan not recommended  -  Best 529 plans to help pay for college | Clark Howard
Kathy   -  Masters in Criminal Justice but  a felony conviction is killing job prospects.
                            Check rehab & prison release programs. We're on the case. 

 

Thursday Sept. 22
The fiscal value of physical fitness
Continued ClarkRageous debt collectors - Know your rights
Sizzlin' music subsciption deals from Pandora & Amazon at $5 a month 
Cash poor vs. cash happy. Getting it done
Surging start-ups spur US ecomonic growth.

On the Calls: 
Justin - How to shop for a home security system | Clark Howard
Lina    - Are Home Warranties Worth the Money? | Clark Howard
Chris – Insurance | Homeowners Insurance | Clark Howard
Antoinette – New baby resources  -  Work From Home
Sandra –  MLM vs. Pyramid schemes. Know the difference | Clark Howard
                  Scams & Rip-Offs | Ponzi Schemes & Multi-Level Marketing | Clark Howard
Cloritza – Getting out of credit card debt
Lydia – The mortgage interest deduction is oversold.   
                Mortgage Refinance Guide | Clark Howard
Robert – How to improve your credit score | Clark Howard  -  1st Time Home Buyer Search | Clark Howard
Clineal – Phone no. posted on sleazy ad. Contact the site repeatedly.
Frank – University student info hacked…. Credit freeze and thaw guide | Clark Howard
Copen – Cash in saving bonds for  Best 529 plans to help pay for college | Clark Howard
Paul -  A ClarkSmart student saver - How to choose the best credit card for college students | Clark Howard
            Investment Guide | Clark Howard

 

Wednesday Sept. 21 
Secrets to becoming a millionaire include: one house, one spouse
More proof full commission stock brokers are bad news
Trade conflict and US manufacturing jobs- Clark on the TPP
Cancer diagnosis overkill - when aggressive treatment is not necessay
Chase Auto Direct among new car buying methods in a buyer's market

On the Calls:
 Darren – daughter is stationed in Turkey. There she can buy a sim card & call or receive calls free.
                    Free text messaging apps better than AT&T and Verizon offerings | Clark Howard   
                                       International Travel Tips: Money, Mobile & Booking | Clark Howard
John  - Best 529 plans to help pay for college | Clark Howard   -   11 best ways to find a college scholarship | Clark Howard
                                      Coverdell accounts offer way to pay for private school | Clark Howard
Kevin - First time home buyers    -    Is buying a foreclosure online a bargain? | Clark Howard
Ask Clark: Marilyn – screening tenants Cozy.coMySmartMove.com lets landlord background check tenant
Brad – Timeshare owner passes away without a will. Executer must notify timeshare company.
                They can make a claim against the estate. 
Greg -  DIVORCE Search | Clark Howard
Max -  Eyeglasses search | Clark Howard
Jay & Ann - How 50-somethings should plan for retirement | Clark Howard
Ask Clark: Gloria - Virus, Spyware and Malware Protection Guide | Clark Howard
Steve – Tug2.net timeshare users group  -  Timeshare search | Clark Howard
 

Tuesday Sept. 20
Free ID theft protection: CIVIC 
Free movie sites - A Clark Warning
Robo-advisers remove barriers to investing 
Millennial credit card aversion
Safer, easier passwords

On the Calls: 
Don –   Home energy savings
David - Investment Guide | Clark Howard
Judy  -  Remove authorized user status by both parties being present making the call, or online. 
Eddie – Has an indexed universal life policy -  Evaluate Life Insurance | Consumer Federation of America
                Insurers hike premiums on universal life insurance policyholders | Clark Howard
Jesse - Self Publishing Guide | Clark Howard
Bill – Selling a condo - 7 places where you can buy a condo for under $100K | Clark Howard
William - Compare Interest Rates | Mortgage CD Insurance Refinance | Bankrate.com
                   Online savings accounts that pay better interest | Clark Howard
Ask Clark: Carol – Feedback varies on Uber/Lyft leasing. Research to make sure the math will work for you.
                  Sherry – DuckDuckGo a search engine that does not spy on you and yields unbiased results.
Eric – Investing for a child: Open a custodial Roth - Investment Guide | Clark Howard 
                           How Do You Teach Kids About Money? | Clark Howard
Tim  -  If borrowing to buy a rental property, an umbrella policy is the easiest path.
Lou  -  Epson printer will cost more but save you big over time | Clark Howard
Josh -  Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
Eframe – Dish Nixes Need for Cable or Satellite...and Offers ESPN! | Clark Howard
Joe   -  How to refinance your student loans | Clark Howard  -  Private student loan refinance

 

Monday Sept. 19
Clark speaks truth beyond politics: The budget deficit
T-Mobile Sizzlin'Deal- $140 a month unlimited for 4 
Online mattress purchase returns 
Condominium purchase: A ClarkSmart Warning
3D printing comes to shoes -  and the 'box factory' revolution 

On the Calls: 
Sean -   Wells Fargo fined $185 million for improper account openings | Clark Howard  -  AnnualCreditReport will list accounts.
                Wells Fargo makes a big change in effort to rebuild trust after bogus account scandal | Clark Howard
Javon -  September is Life Insurance Awareness Month: What you need to know! | Clark Howard 
                         -   Disability Insurance | Clark Howard
Kyle -    Investment Guide | Clark Howard     
Michael -  Alternative investment site targets returns between 8-20% on high risk loans against performance contracts, real estate,
                 anticipated legal settlements- The investment equivalent of junk bonds, a higher return for a HIGH RISK.
                               Don’t invest what you can’t afford to lose.  
Pamela -  Publishers Clearing House $7,000 a Week for Life is a valid contest. Warning: there are many imitators out there.
                                Enter only from their website. Odds of winning: 1 in 2billion, 600million.
Essie – Security company request monitoring upgrade for $99 vendor’s negotiated limited time offer.
            This is a frequency compatibility issue between security and cellular companies. Switching security providers may be free.
Paul – An ITT college refugee. 40,000 students affected after ITT Tech closes campuses across U.S. | Clark Howard
Aaron - When Does a HELOC Make Sense in Your Life? | Clark Howard   -  10 common refinance misconceptions | Clark Howard
Fran – Dental tourism  PatientsBeyondBorders   -   Medical Tourism search | Clark Howard
Steve - 5 Ways Credit Cards Can Improve Your Credit Score | Clark Howard   -    Mortgage Refinance Guide | Clark Howard
 

Friday Sept. 16
The gender pay gap and asking for a raise
Clark foresees jail time for psychic con artist
Meal prep delivery services - Consumer Reports ratings 
Clark Stinks 
How a couple with 13 children lives debt-free

On the Calls: 
Moving truck rental - Purchase a rider or temp policy at a fraction of the rental truck co. coverage price
Best 529 plans to help pay for college | Clark Howard
  Save for kids through custodial investment accounts at low cost providers: Vanguard, Schwab, T. Rowe Price & Fidelity
5 ways to reduce your data consumption | Clark Howard
Katina - Investment Guide | Clark Howard
Paul -    May settle in the Bahamas -  Travel Booking and Planning Guide | Clark Howard
               10 places to retire abroad for less than $2,000 a month | Clark Howard
Briana – Life Insurance payout must be FDIC insured. BankRate.comCD laddering
Jenny –   Received a Western Union cashier's check to start as a mystery shopper. Legit?  
               NO. If you cash that check, it will bounce and you’re responsible for the check amount. Don't do it!
Brian -     Homes & Real Estate | Foreclosures & Short Sales | Clark Howard
Donnie - Not getting security deposit  Ohio Security Deposits Limits and Deadlines | Nolo.com – must go to small claims court.
Kevin - Business Formation - Choose a Business Structure:
                                LLC, Corporation, Sole Proprietorship, Partnership | LegalZoom

Art - Why people need to shop their credit cards and how to pick the best one for you | Clark HowardReward Cards
 

Thursday Sept. 15 
Gator Ade Organic and Ice cream thievery & fencing
Dating website scams 
Employment update
Texas leads in energy innovation
The small house movement 

On the Calls: 
How To Score a Deal on a Cruise | Clark Howard
New site for buying and selling timeshares | Clark Howard 
Best ways to get a small business loan
What is a backdoor Roth IRA? | Clark Howard
Selling a house
Open a Roth IRA - Clark's INVESTMENT GUIDE
Don't give your Social Security number at these places! | Clark Howard
Tax sales certificates, tax lien sales requires deep expertise. Not recommended.
What to know about store credit cards
Credit freeze and thaw guide | Clark Howard
TripAdvisor - When should you use a travel agent? | Clark Howard
Selling a Harley – check with dealers for values & Ebay Motors,  AutoTrader, talk to other owners.
Work From Home guide | Clark Howard

 

Wednesday Sept. 14
Mitigating healthcare costs
United Airlines lost luggage dis to a WWII veteran
New protection posting online reviews
Amazon Prime Audible Channels
Big data dossiers 

On the Calls: 
Lee - Cars | Buying | Clark Howard  -  Hybrid vehicles  - 4 ways to get a free VIN report | Clark Howard
           These are the top 10 cars to buy new | Clark Howard
Rebecca - Hawaii honeymoon:  Buy a guidebook. Purchase tours locally when there.  TripAdvisor
Michael –  Dangers of putting monthly bills on automatic debit | Clark Howard
Brandon – Why people need to shop their credit cards and how to pick the best one for you | Clark Howard
Mary -  account security: 2 factor authenticationTwoFactorAuth.org  -  Chip and PIN
Mark – Italian traffic citation. They can’t come after you or hurt your credit.
Ask Clark: Tom - Submit product registration for major electronics to receive safety or defect alerts & recalls.
                              Don’t bother with lower cost appliances.
                   Felix -  Bi-monthly mortgage plans can be a ripoff | Clark Howard  -  
        How to set up your own biweekly mortgage plan without paying any fees | Clark Howard
                  Glen -  Missing Money | Clark Howard
Chris - Cheap Cell Phone Plans | Clark Howard   -  Best cell phone plans & deals for 2016 | Clark Howard
Cindy - Leasing a car
Carol - Homes & Real Estate | Moving & Selling | Clark Howard

 

Tuesday Sept. 13
Clarkomonics - Why we're not feeling the improved economy
Sizzling Deals from Sam's Club, Home Depot, Krispy Kreme and Olive Garden
Job Alert: Retailers who are hiring this holiday season 
'Stream ripping' music amounts to stealing 
'Keeping up with the Jones''  - a Facebook warning 

On the Calls: 
How to choose and switch to a better bank for you | Clark Howard
Turn off the debit function of your debit card | Clark Howard
Snafus continue with the Costco Anywhere Visa Card by Citi | Clark Howard
Travel Booking and Planning Guide | Clark Howard
Mint  - budgeting tools
How to refinance your student loans | Clark Howard
How To Shop for Term Life Insurance | Clark Howard
TeenSafe.com  - monitoring your kid’s phone - $15 a month
   The Best Parental Control Software for 2016 | PCMag.com
   New way to monitor and cut off a kid's screen time | Clark Howard
   3 ways to monitor your teen behind the wheel | Clark Howard
Credit freeze and thaw guide | Clark Howard
    Can trigger insurance hikes if premiums based on credit scores. Thaw & communicate with insurer.  
Recommended: Facebook neighborhood exchanges or online yard sales for buying/selling locally.
4 ways to stay safe when using Craigslist | Clark Howard
 

Monday Sept. 12 
Navigate stock market downturns - Indexed fund investing is superior
Retailer's 'dark store' tax strategy is ClarkRageous
Avoid long lines at the supermarket 
iPhone 7 deals  & Get the most for your old iPhone 
New safety features propel the self-driving auto revolution 

On the Calls: 
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
Investment Guide | Clark Howard
Homes & Real Estate | Realtors & Services | Clark Howard
Wells Fargo fined $185 million for improper account openings | Clark Howard
Rebuilding credit
Cell phone wisdom  
Credit freeze and thaw guide | Clark Howard
Crowd funders for real estate charge around 2% of your investment.  
   Vanguard’s real estate fund charges only around .12.  Shop around.
Buying a used vehicle   -   4 ways to get a free VIN report | Clark Howard
InsureMyTrip.com  -   Trip and Travel Insurance Guide | Clark Howard   -   Costco Travel
   Some credit cards offer trip cancelation / interruption coverage
Eliminate email clutter forever with this new tool | Clark Howard
 

Friday Sept. 9
American entrepreneurs make it happen
Distracted drivers spike fatalities
Consumer Reports - Best and worst airlines
Clark Stinks
Millennial fear of investing 

On the Calls: 
Credit Freeze and Thaw Guide
Investment Guide | Clark Howard
Cars | Car Rentals | Clark Howard
How To Shop for Term Life Insurance | Clark Howard
HUD.gov housing counseling for 1st time home buyers
9 ways college students can live on the cheap | Clark Howard
Nhtsa.gov  -  Automotive Resources | Clark Howard

 

Thursday Sept. 8
New Grab-and-Go healhy food options
The HYIP ponzi scheme
Amazon Subscibe and Save - Warning
States implementing small business retirement plans 
Virtual reality real estate tours are changing the game 

On the Calls: 
Secured credit cards | Clark Howard
The "Clark Smart" steps for buying a new car | Clark Howard
How to buy a used car | Clark Howard
Minimize your risk with AirBnb and VRBO | Clark Howard
Target-date retirement funds perfect for 'set it and forget it' investing | Clark Howard
Longer commute times cost you in more ways than one | Clark Howard
How to get the best deals on rent in 2016 | Clark Howard
911 systems are often not compatible with VOIP internet phone calling.
Credit union wants to become a charter commercial bank – selling the membership down the river. Vote NO.
Authorized credit card use - How a 19 year old got a credit score of 820 | Clark Howard
Search | Clark Howard- student credit cards  -   How to choose the best credit card for college students | Clark Howard  
How to choose and switch to a better bank for you
Vanguard Target Retirement Funds
NFCC.org  -  Paying Off Credit Card Debt | Clark Howard
Airline seating choices - SeatGuru.com
Long Term Care Insurance Honor Roll | Clark Howard
Burglar alarm companies  generally have not worked with internet phone service –
   40% of homeowners have disconnected home phones. The security  industry has adjusted with wireless monitoring
Technology/Phones & Mobile Devices/Calling From Your Computer (VOIP) | Clark Howard
   Ooma  recommended -  Cheap Internet Phone Systems Guide | Clark Howard
 

Wednesday Sept. 7 
Advice for ex-ITT students and more affordable options
Paying for a vacation with borrowed money - ClarkRageous
ATM skimmer fraud and new PNC ATMs
Index CDs are a bad deal
The new iPhones and cheaper options

On the Calls: 
Paying Off Credit Card Debt | Clark Howard
Should you close your credit card? | Clark Howard
What you need to know about store credit cards | Clark Howard
Spousal IRA Definition | Investopedia
Costco's new credit card is a deal for you | Clark Howard | Clark Howard
Job application ignored: Write a hand written letter to stand out from the crowd
Jobs & Military | Clark Howard
Legal subscription plans – not generally needed, and generally don’t cover significant legal needs.   
Save on food
Credit Freeze and Thaw Guide
Business loans
 

Tuesday Sept. 6 
Rip Off Alert! Life Insurance: 2 warnings 
PA seeking to seize inactive IRAs - ClarkRageous! 
FDA bans 19 chemicals from antibacterial soaps  
Year end car buying opportunities
Disaster charity scams & fake funding sites + Cruise ship sails through Hermine

On the calls: 
How to get the maximum Social Security check | Clark Howard -  
   SSA.gov,  AARP & Bankrate offer free benefit calculators
Personal GPS Locators Review | GPS People Finders - Consumer Reports News
     A Closer Look At Phones For Kids | Clark Howard – Kajeet
Parent can control 529  and change beneficiaries. Flexible alternative: Roth IRA’s – contributions withdrawn tax free  
Best 529 plans to help pay for college | Clark Howard
Italian road violation fines are likely a tax revenue scheme, not legit law enforcement.
   They cannot have you charged in US courts, sue you or impact your credit. 
Student Loan Guide | Clark Howard
ADA.org-Silver Diamine Fluoride in Caries Management – Dentist says: easy to use – inexpensive.
   Not a cure all.  Kills &  inhibits bacteria for some time but doesn’t restore the tooth..
   Turns where decay was jet black – approved by FDA 2015- used overseas for over 20 years.
Protect your child from identity theft | Clark Howard  -  thaw credit to apply for student financial aid.
Students at higher risk for ID theft. Protect yourself! | Clark Howard
Auto Insurance
Retire early 
 

Monday Sept. 5  -  Labor Day Replay 8-11
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 can figure out the ultimate corporate entity. To sell, store stocks in a new account. 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. 
 

Friday Sept. 2 
In praise of electric vehicles, continuing to evolve
Frequent flyer miles fool's gold 
Labor Day series part 3: Job opportunity
Clark Stinks
Google maps in Wi-Fi mode

On the Calls: 
Credit card banks may lower your limits if your balances are too high -
   Paying Off Credit Card Debt | Clark Howard
Vanguard Star Fund   –   How to invest your first $1,000 to $5,000 wisely | Clark Howard
Beware  The advance fee loan scam
Score.org - (Service Corps of Retired Executives)  - small business counseling
International Travel Tips: Money, Mobile & Booking | Clark Howard
The dangers of forced place insurance | Clark Howard
   Buy flood insurance and cancel force placed insurance via bank.
   Fema flood determination comes with a right to appeal – a surveyor can provide elevation documentation
Churches are exempt from paying into unemployment. No benefits for laid off workers. 
 

Thursday Sept. 1 
Home renovation success
Wells Fargo penalized for ripping off student loan borrowers
Find deals eating out this fall 
IRS scams rage on. What to know 
Labor Day series part 2 - Salary negotiation

On the Calls: 
Scams & Rip-Offs | Ponzi Schemes & Multi-Level Marketing | Clark Howard
Multi-level marketing vs. pyramid schemes
Clark's Investment Guide | Clark Howard
Best 529 plans to help pay for college | Clark Howard
Is debt consolidation worth it? | Clark Howard
Paying Off Credit Card Debt | Clark Howard
6 ways to tackle your credit card debt | Clark Howard
$600-$1400 and more for patent assistance companies - Not recommended.
   Inventions & Patents | Clark Howard
   Basics of Provisional Patent Applications | Nolo.com
5 tips for starting a business with a partner | Clark Howard
Life insurance
This savings strategy led to an early retirement at age 33 | Clark Howard
Amazon.com: Prime Exclusive Phones: Cell Phones & Accessories
 

Wednesday August 31
Labor Day series part 1 - Job market update 
5 great food deals  
The true cost of vehicle ownership - and a cheaper road
Amazon expands Prime Now free delivery from participating restaurants
Sling TV expands programming. Lower your pay tv bill. 

On the Calls:
Teen drivers
Solar power
Lock smith helps duplicate electronic car key fob, avoiding dealer costs.
Investment Guide | Clark Howard
Privacy:  Europe’s “Right to be Forgotten” will scrub you from the internet if requested.
                We have nothing of the sort in the US
How to fix errors on a credit report | Clark Howard
The #1 worst mistake you can make with your 401(k) | Clark Howard
   Participating in an employee stock purchase plan can work if you’re diversified elsewhere.
A balanced index fund for a time window of 5 to 10 years – recommended
Longevity insurance is a smart buy at retirement | Clark Howard
2 Kinds of Annuities That Actually Make Sense for Your Wallet | Clark Howard
Find a fee-only financial planner
Bluebird named best banking alternative | Clark Howard
Student credit card search | Clark Howard
 

Tuesday August 30
HARP extended to help more underwater homeowners
ClarkRageous celeb ads on social media - lacking sponsorship disclosure
Mobile bank robbery: hackers targeting smart phone financials 
The FAA's new drone rules 
WARNING: How scammers are hijacking mortgage closings and your 1 step protection.

On the Calls: 
Credit freeze and thaw guide | Clark Howard – Existing creditors should still be able to access your frozen credit.
Cars | Leasing | Clark Howard
Tips for first-time homebuyers | Clark Howard
Counterfeit check scam – when the check is way more than it needs to be. Toss the check. 
T-Mobile and Sprint announce new unlimited data plans | Clark Howard
Lack of choice for home internet - T-mobile One Plus an option for unlimited data - internet hot
When to use the Venmo payment app (and when not to) | Clark Howard
EpiPen price hike:  Adrenaclick generic epinephrine around $150 - a whole different procedure to use this.
Maker of EpiPen to offer a cheaper generic version of the life-saving treatment | Clark Howard
How To Shop for Term Life Insurance | Clark Howard
A Carvana car buyer’s positive review - Coming to a showroom near you: Virtual reality! | Clark Howard
Accidental death and dismemberment insurance NOT recommended.
   Avoid narrow specialty insurance. Protect broad sources of income
 

Monday August 29
EpiPen to offer a half price generic
Opt out of Sports Authority customer data sharing 
Parents have no clue what their kids are doing online 
Saving money is cheaper and easier with the Target Retirement Fund price war
The #1 way car rental companies are ripping people off 

On the Calls: 
How To Shop for Term Life Insurance | Clark Howard
 A young family’s order of priorities: Term life, max retirement plan at work, max Roth IRAs,  529 Plan
How to invest in rental properties: 8 real estate factors to consider | Clark Howard
   Know short term rentals ( Airbnb, VRBO) are being banned in some areas
Are extended car warranties worth it? | Clark Howard
Why you should never buy third-party extended auto warranties | Clark Howard
Consumer Cellular recommended   /   US Mobile  – offers a choice chart, mix and match menu based on your patterns.
Best cell phone carriers | Clark Howard
Mortgage Refinance Guide | Clark Howard   /    10-year mortgages save you money | Clark Howard
Child credit freeze - Protect your child from identity theft | Clark Howard
Consumer Issues & ID Theft | Identity Theft | Clark Howard
Free identity theft protection is here from Civic | Clark Howard
Car Rental  –   Expedia   /   RentalCar.com
Pharmacies - Rx
Parents should both be maxing out a Roth before saving for college -
   Best 529 plans to help pay for college | Clark Howard


Friday August 26
Strategy for avoiding heloc default
ClarkRave - the Blessing Box 
Information is power: Your free credit score
Clark Stinks
Shipping containers converted into affordable housing 

On the Calls: 
Investment Guide | Clark Howard
Variable life NOT recommended - Thinking about an annuity? Here's why they stink! | Clark Howard
Emergency Roadside Assistance App Is an Alternative to AAA | Clark Howard
When not to contact your insurance company | Clark Howard
Solar Power – Be cautious with lease offers 
International Travel Tips: Money, Mobile & Booking | Clark Howard
6 things to consider when buying a new PC | Clark Howard  --  MicroCenter recommended
Are extended warranties necessary on electronics? | Clark Howard
Home buyers may ask to see electric bills. 9 things to ask before selling your home | Clark Howard
 

Thursday August 25
What makes a society wealthy over time
The ClarkRageous cost of communting
Banking with improved artificial intelligence - bank bots 
Extended warranties and your wallet
A new device to stop DUI

On the Calls:
Have a passcode on your iPhone to track a theft. If you wipe the phone, you can't track it.
Mother's 'Find My iPhone' app leads police to kidnapped daughter | Clark Howard
   Download LookOut to track your Android phone after theft
Why entrepreneurs should avoid business credit cards
NerdWallet  & CreditCardTuneUp  can help you choose reward cards
AnnualCreditReport  -  CreditKarma  -  CreditCardTuneup
LendingClub & Prosper - How To Bypass the Banks for a Loan | Clark Howard
Grandparent scam -  Top 10 financial scams targeting seniors and how to avoid them | Clark Howard
Free and cheap retirement plan options for small businesses | Clark Howard
   SEP Simple IRA for employees - complicated.
   Today you can do a Simple SEP with low cost companies Charles Schwab, Vanguard, T.Rowe Price.
   Talk to a retirement specialist about other options, like ultra-low cost 401(k)s.
Little-known tip that can reduce your tax bill by over $1,000 | Clark Howard
Longer commute times cost you in more ways than one | Clark Howard
Late in life marriage name change – the wife maintaining her name is the simplest option - TheKnot
No credit: Join a credit union with a credit building program -  5 ways to build credit and save money in your 20s | Clark Howard
Car rental wisdom -  Book in advance, shop again a week out for lower rates.
Variable life insurance – NO - Thinking about an annuity? Here's why they stink! | Clark Howard
Non-deductible IRA - What is a backdoor Roth IRA? | Clark Howard -
   How can I fund A Roth IRA if my income is too high to make direct contributions? | Investopedia
How to copyright photos:  –Copyright.gov
 

Wednesday August 24
How to disaster proof your small business 
A ClarkRageous Louisiana senator wants to hassle, instead of honor flood heroes
The L Card for subprime borrowers
This glitch can turn your iPhone into a worthless brick 
Target stores off the mark on pharmacy switch

On the Calls:
How to improve your credit score | Clark Howard 
Dedicated financial computers - 5 ways to stay safe when doing online banking | Clark Howard
‘Private 529 plan’  is sales lingo. Not recommended. Best 529 plans to help pay for college | Clark Howard
Mattress shopping
Buying a home? 15 ways to shop for the lowest mortgage rates | Clark Howard – Credit Unions recommended
The Volkswagen settlement: What you need to know | Clark Howard
Snafus continue with the Costco Anywhere Visa Card by Citi | Clark Howard
Bankrate.com for best rates on savings
TV deals! Buy a no-name brand to save. TV buying guide | Clark Howard
Beware fake house listings -  rental scams
 

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