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Rank #7 in Investing category

Business
Investing
Entrepreneurship

The Clark Howard Podcast

Updated about 1 month ago

Rank #7 in Investing category

Business
Investing
Entrepreneurship
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Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

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Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

iTunes Ratings

2537 Ratings
Average Ratings
1997
245
122
86
87

DAVE RAMSEY!

By blaracer - Jun 02 2020
Read more
I prefer Dave Ramsey over Clark Howard.

Clark Howard for President

By Interested bystander - Mar 21 2020
Read more
He is such a beacon of rationality. We need him to navigate these troubled waters.

iTunes Ratings

2537 Ratings
Average Ratings
1997
245
122
86
87

DAVE RAMSEY!

By blaracer - Jun 02 2020
Read more
I prefer Dave Ramsey over Clark Howard.

Clark Howard for President

By Interested bystander - Mar 21 2020
Read more
He is such a beacon of rationality. We need him to navigate these troubled waters.
Cover image of The Clark Howard Podcast

The Clark Howard Podcast

Latest release on Jul 09, 2020

The Best Episodes Ranked Using User Listens

Updated by OwlTail about 1 month ago

Rank #1: 10.2.19 Credit score drops; Investment cons are alive and well; When to ditch an old car?

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We borrow principally for a home, vehicle, credit cards, student loans. A long-held frustration is how scoring models punish you for eliminating debt. Paying off a loan (other than credit cards) could drop your score 50 points. Don't worry about it. If your score is healthy enough, the payoff score pinch does not matter. You DO NOT raise your credit score by leaving a balance open on a credit card. That's a myth you pay interest on. With cards, using very little of your credit and paying on time boosts your score. 

The Securities and Exchange Commission ( the Federal agency overseeing the investment industry)  reports that in recent years, 4.3 million Americans have been ripped off in investment schemes. The average loss: $150K. Historically the cons target small business owners, entrepreneurs, and senior citizens. The promise of non-traditional investments have of late touted 8-12% returns - which may appear initially, till the scheme collapses leaving its victims broke. 

Many times people dump their old car because it's no longer reliable. That's a good reason. But when it comes to the dollars and cents of this, Clark and Consumer Reports differ. Consumer Reports advises that when the cost of repair exceeds the remaining value, that's when it's time to let go. Clark recommends when the cost of a repair exceeds 50% of the remaining value - that's when to dump it. Ironically, you may need to pay for the repair anyway in order to trade/sell it. Otherwise, you get clobbered on value. Most people tire of and dump a vehicle prematurely and that is expensive. The longer you keep a car, the better for your wallet. The depreciation curve is a dive through the first 4 years, into gentle decline, as your money works for you. As the vehicle fleet steadily moves to electrics, they're more reliable. Today batteries are much more efficient. The cost of ownership on electrics is much less than gas engine cars. The best deal: Buy a used electric car and drive it for a long time. 

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Oct 02 2019

38mins

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Rank #2: 5.25.20 Walmart Express offers 2-hour delivery; Home prices are actually rising right now

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Walmart just launched Walmart Express which promises 2-hour delivery.


Many people assumed that home prices would fall as a result of the pandemic and increased unemployment. But home prices have actually gone up. Clark explains.

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May 25 2020

38mins

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Rank #3: 5.22.20 Restaurants incur higher expenses start surcharging customers; Clark Stinks

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Some restaurants have come under fire for charging Covid-related surcharges. But the revenue is down and expenses are up for most local restaurants.


Clark Stinks makes a return to the show this week! If you have a Clark Stinks to share go to Clark.com/ClarkStinks.

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May 22 2020

38mins

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Rank #4: 8.15.18 Millennials eat out too much; Why to avoid auto-pay; Aldi organics

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Most Millennials spend more money eating out than they save for retirement. That's not good!; Auto-pay could be a disaster for your bank account. Clark tells you why to avoid it and how to pay your bills properly; Aldi is massively expanding their stores and their organic food selection. And their prices are still the best around.

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Aug 15 2018

38mins

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Rank #5: 2.26.19 New expensive cell phones; Student loan forgiveness lawsuit; Zestimates gaining accuracy

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New cell phones are coming. Foldable screens are coming soon, but with a hefty price tag attached; 3 individuals eligible for PSLF won a fight against the Department of Education in a court of law; Zestimates are gaining accuracy but Clark tells you why they still are far from perfect.

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Feb 26 2019

38mins

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Rank #6: 10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics

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Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too. 

AT&T – get your act together.  A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid.

Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a football game together. As their pictures circulated, ugly reaction ensued, with some referring to Bush as the ‘enemy’.  After all the mean-spirited postings came an enlightened one which expressed that seeing Ellen and George Bush together restored their faith in America. When we lose sight of the fact that we’re all Americans in this together, we make our country weak. People we disagree with are still our fellow Americans. 

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Oct 08 2019

38mins

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Rank #7: 10.7.19 Google gives you more control over your data; Veterans wrongfully denied coverage; ATM fees

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Current privacy concerns have Google in the spotlight. Google lives in fear the U.S. will finally pass privacy laws outlining restrictions and consumer rights, as exists in Europe. The Right to be Forgotten and to control online info in Europe puts them way ahead of the U.S. in the privacy realm. Google’s preemptive strike is a newly launched activity suite tool allowing users to better control their info and have their tracking data wiped automatically.  Sign into Google. Type in myactivitiy.google.com. There you’ll see everything Google has on you – massive. Then you have the right to have them wipe out everything 90 days old and older. You can choose 90 days to 1.5 years to let Google retain your activity info until they delete it.

The Inspector General is like the cop inside a federal agency there to expose wrongdoing and enforce the law. The  VA Office of Inspector General found that 1 in 3 veterans who’ve sought emergency healthcare, are denied their medical claims by the VA, even when perfectly legitimate. Inexcusable and Unacceptable. The men and women who have served and put their lives on the line for American freedom deserve to have the promises made to them carried out.

The average ATM charge in the U.S. is now $4.72. The cost to a bank is around .02cents. Beyond outrageous. Why do they do it? In the aftermath of the last decade’s banking scandals, the federal government bailed out the big banks and let small banks sit and spin. This led to a massive closure of smaller banks, and thus less competition. 4 big banks now have half of all banking market share. ATMs are disappearing around the country as people use less cash these days. Also, we now have an ever-expanding roster of online banks, offering lower costs and far better savings rates. The big banks pay essentially 0 on savings vs around 2% offered by online banks. And – credit unions have filled the void left by small local banks going away. Credit Unions provide much better deals than banks.

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Oct 07 2019

38mins

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Rank #8: 8.20.18 Home internet prices; Credit scores on the rise

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5G is coming to certain markets by the end of the year. Home internet prices are currently on the rise...but not for long. Clark discusses how 5G technology will create more competition in the home internet space and drive prices down over the long haul.; Clark recounts a story of one man taking the time to help his fellow man having a really difficult time.; Credit scores are going up for many Americans. Clark discusses why that is happening and how you can maximize your credit score.

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Aug 20 2018

38mins

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Rank #9: 5.21.20 How the life insurance industry is changing; Where the hiring is actually happening

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At-home exams for life insurance are starting to become the norm instead of being the exception to the rule. Buy life insurance on the internet in order to avoid the hassle.


A lot of hiring isn't going to take place on the giant career websites. Look to horizontal job platforms for sector-specific job opportunities during the recovery.

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May 21 2020

38mins

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Rank #10: 4.26.19 How to quit smoking; Clark Stinks

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Clark used to smoke two packs of cigarettes a day. And he gives his thoughts on how to quit; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

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Apr 26 2019

38mins

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Rank #11: 5.1.19 Getting a mortgage if you are self-employed; New-style payday lenders; Robot baristas are on the way

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Getting a mortgage is getting easier for self-employed folks; Clark warns against using apps that will advance you cash before your paycheck comes in; Robot baristas are making their way into high-traffic areas like airports

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May 01 2019

38mins

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Rank #12: 10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?

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We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay.  Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get. 

The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop up every season, most around PCH - a legit, high-interest organization and popular target for scammers. The Fraud Watch Bulletin reports 2 versions big right now. One comes as a phone call pretending to be from PCH saying you've won and need to wire fee money. The other is a small fake check, requesting you wire money to receive the big check. Both bogus. PCH reminds all they never ask winners to send fees, taxes or other money to collect a prize. 

Pre-teens and teens pretty much spend whatever money they get. For school-age kids, money burns a hole in their pocket and vanishes. The American Institute of CPAs does an annual survey of allowance and finds the average kid in the U.S. now receives a weekly allowance of $30. That's doubled in just 3 years. Parents have lost their minds. Clark has recommended stepping up allowance yearly. The amount can match their age or grade and should be used to teach. The 3 jar system is a known method. Allowance is divided 3 ways: for spending, savings, and charity. Allowance should be in cash to teach the finiteness of money. And with an allowance comes responsibility. Parents give the money and should set ground rules about allocation - 3 jars or something similar. The savings can be for any specific goal chosen by the kid. Create a sense of purpose for money. If you just hand it out with no guidelines, they learn nothing and it disappears. Parents must teach the concept of spend and save.  Giving can be time or $  for charity. 

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Oct 09 2019

38mins

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Rank #13: 8.21.18 Following a scammer trail; Elon Musk should sleep; New 3% down mortgages

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Clark brings LA Times columnist David Lazarus on the show to discuss how he thwarted potential scammers and followed the scam to its logical conclusion; Elon Musk is apparently working 120 hours a week. Working that much actually has harmful effects on your creative output; Fannie Mae and Freddie Mac have introduced new 3% down mortgages. There are pros and cons to these new offerings and Clark discusses.

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Aug 21 2018

38mins

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Rank #14: 4.22.19 Which home improvements pay off?; Ponzi scheme busted; How to cut dental care costs

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Which home improvements make sense in order to maximize your money?; A ponzi scheme was busted in Florida and ordered to pay over a billion dollars in fines; How can you cut the costs of your dental care?

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Apr 22 2019

38mins

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Rank #15: 6.26.19 How to become a 401k millionaire; Cryptocurrency scams; Carry on bag rules

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Clark talks about how you too can become a 401k millionaire - and why a Roth 401k might be your best bet on the way; Watch out for crypto scams that are proliferating; Carry on bag rules are a nuisance. Clark tells you how to save money and get around most of them.

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Jun 26 2019

38mins

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Rank #16: 10.16.19 Cell phone plan deals; 401k early withdrawal changes; Financial advice for different generations

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Of the 4 major cell carriers, Verizon, AT&T, T-Mobile & Sprint - all the growth over the past 4 years has gone to T-Mobile, steadily taking market share. But all 4 also have captive discount brands on their networks, at a lower cost. The price points have kept moving. Total Wireless is a joint venture on Verizon's network, The 4-line family plan shares 100 gigs of data per month, starts at $100 a month, and it is available for $95 with auto-refill.. Available at Walmart and TotalWireless.com. Verizon's second discount brand, Visible is geared toward young adults, offering a single line at $40 a month - unlimited data - available only through Visible.com via their app. Metro PCS - now Metro by T-Mobile has gone up from 4 lines for $100 to $120 per month, including Amazon Prime and hotspot. Cricket Wireless - AT&T's captive brand - offers 4 lines for $100 a month with speed limitations, but adequate for most basic surfing and video. 

Starting in January, people with 401ks will have a much broader hardship latitude to make withdrawals under new regulations issued by the IRS. Clark HATES this. It's very difficult to ever restore retirement money taken out of a 401k. Statistically, those who take out loans end up with way less than those who never do. Just because you can, doesn't mean you should. Just say NO! Consider the money off-limits.

Young adults now face more difficult money choices than prior generations. Over a full lifetime, 3/4 of kids end up more successful financially than their parents. That's a slowdown from 90% historically. There's a lot of uncertainty today and new challenges for young adults. Student loans are brutal for students and parents alike. Many in retirement are still burdened by parental loans. There are so many college choices, this can be avoided with planning and attending less expensive schools. Clark's tuition per year was $2400 in the '70s. Heavier burdens today require new decision making. Buying a home involves geographic considerations for affordability. Pensions no longer exist. Young adults are choosing no-car lifestyles in walkable communities. No car expense makes for a lot more financial breathing room. 

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Oct 16 2019

38mins

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Rank #17: 9.28.18 Clark Stinks; Car dealerships are having a hard time right now

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Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here; Car dealerships have had a hard time keeping younger employees and keeping up with the times

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Sep 28 2018

39mins

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Rank #18: 11.23.18 Moving to make more money; Everything you need to know about PMI

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Relocating can have a major impact on your salary; Feel like you are throwing away money every month on PMI? Clark gives you all the details about PMI and avenues to get rid of it so you can keep that money in your pocket.

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Nov 23 2018

38mins

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Rank #19: 3.1.19 Cars that stay on the road longer; Clark Stinks

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Clark tells you which cars end up staying on the road longer. It might be worth considering one of these in the future; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.

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Mar 01 2019

38mins

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Rank #20: Clark Howard 1.10.18

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Special edition: Clark Howard Day 2 from CES in Las Vegas discussing advances in consumer electronics

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Jan 10 2018

1hr 12mins

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