Clark Show Notes

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The Latest from Clark Howard.

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

SURVEY SAYS:

  1. Social Media addiction – 9 out of 10 are distracted at work with social media. Work focus is lost. 1 in 5 check their accounts more than 10 times in a work day. Roughly 2 in 3 are checking almost once an hour. How are they getting work done?
    Nearly 90% of employees use social media, even to ‘digital distraction’ | cleveland.com
  2. Millennials love reward credit cards. Survey says, they don’t redeem their rewards. More than 1 in 3 people in their 20s have never redeemed any rewards. Get the FREE!
    Millennials are the worst at redeeming their credit card points | New York Post
  3. Americans are eating 20% less beef than a decade ago. Many, including Clark have cut back for health reasons.
    Americans Ate 19% Less Beef From ’05 to ’14, Report Says – The New York Times

Mentioned on the Clark Howard Show:

Tuesday August 22
Electronic mortgage closings – cheaper, easier.
Buying friends with Venmo? What the what?
Half of working Americans have no retirement plan. An elegant state solution begins in Oregon
Clark visits with David Lazarus- LA Times consumer advocate extraordinaire, working his own 15 year case of identity theft
Hear ye! Great news for your wallet on the hearing aid front

On the Calls:
Best 529 plans to help pay for college | Clark Howard
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
Don’t give your Social Security number at these places! | Clark Howard
Investment Guide | Clark Howard
USAA.com Advice   –   Vanguard Financial Advisor Services
Free Credit Score Guide: Understanding your score and what you can do to improve it | Clark Howard
How to fix errors on a credit report | Clark Howard
Bad medical debt hurting your credit? Here are 3 ways to attack it | Clark Howard
6 options for buying a home with little or no money down | Clark Howard
New FHA loan limits may help you buy a home | Clark Howard
How to find online schools that aren’t a scam | Clark Howard
College & University | Clark Howard

Clark.com/ Where to securely stash your cash
Dangers of DEBIT CARDS Search | Clark Howard
Home Equity Lines | Clark Howard
Beware costly real estate seminars! Join a local real estate investors club to learn the nuts and bolts of the business.
How Real Estate Investment Clubs Work | HowStuffWorks
How to invest in rental properties: 8 real estate factors to consider | Clark Howard
AUTO LEASING Search | Clark Howard
BUY A USED CAR Search | Clark Howard
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
When You Should Take the Lump Sum Over the Pension | Clark Howard

Monday August 21
4 tools for Clarksmart shopping online
Cheated by your own bank – Overdraft protection: Don’t allow it!
Quirky! A great resource for inventors is back
Expect no privacy in the place where you work
A welcome breakthrough Gladly takes customer service off HOLD

On the Calls:
Top 10 scams coming after your money! | Clark Howard
Fake Publishers Clearing House scams | Consumer Information
Clark’s car accident guide | Clark Howard
Pros and cons of reverse mortgages for seniors | Clark Howard
Home Equity Lines | Clark Howard
The key to preventing tax return identity theft is… | Clark Howard
Identity Theft Guide | Clark Howard

Life Insurance | Clark Howard
EvaluateLifeInsurance.org
Bluebird named best banking alternative | Clark Howard
Alternative to Banking | Bluebird by American Express & Walmart
How to choose the best credit card for college students | Clark Howard
Student credit card offers: Should you apply? | Clark Howard
Credit Card Authorized User Definition | Investopedia
SOLAE POWER Search | Clark Howard
Open a Roth to fund education AND retirement – Investment Guide | Clark Howard
Ooma Office Base Station for VOIP Business Phone
Ooma and my toll free 800 number
How to choose and switch to a better bank for you | Clark Howard
5 tips from a woman on track to retire at 40 | Clark Howard

Friday August 18
A reset for millennials using credit cards
Special Warning:  How timeshare owners get ripped off a second time
Are new meat substitutes ready for prime time?  Clark goes veggie
Clark answers his critics on ‘Clark Stinks’
The path to early retirement starts with a bargain you make with yourself

On the Calls:
Custodial Account
Vanguard – Vanguard STAR Fund
Roth vs. Traditional IRA — Which Is Better? — The Motley Fool
IRAs vs. 401(k)s: Differences Between Roth and Traditional | Investopedia
This website makes your personal info available to anyone: Here’s how to remove it! | Clark Howard
Easy new way to protect your privacy online | Clark Howard
– Do what you can without paying, because you can’t really remove all your internet info
How to find and claim missing money in your name | Clark Howard
New site for buying and selling timeshares | Clark Howard  —  Timeshare Users Group

Should you take the lump sum settlement or pension? | Clark Howard
Work From Home Guide: A list of legitimate, work-at-home job opportunities | Clark Howard
-“Make $100s of extra dollars a week in your spare time” –  a red flag for phony work at home offers.
How to find a fee-only financial planner | Clark Howard
Warning: 3 big problems with Visa gift cards | Clark Howard

Thursday August 17
A peer to peer payment warning
Retirement DANGER ZONE: The snakes circling your nest egg
Your earning power in the shifting ‘gig economy’
Savings: Lost Ground. How Americans are going backwards and a Clark challenge
Dirty dealing at the pharmacy counter: Outsmart generic Rx price fixing

On the Calls:
STUDENT LOAN DEBT Search | Clark Howard
Cheap flights: 3 ways Delta’s basic economy fare still beats Spirit | Clark Howard
Basic economy fares: Are the savings worth the hassle? | Clark Howard
Travel Booking & Planning Guide | Clark Howard
Buying a Home | Clark Howard
Investment Guide | Clark Howard
Credit Card Tune-Up: Find credit card rewards for your expenses – 2017

Strategies for moving to a strange town- finding a place to live: Fly there and conduct ground search for 3 days.
– Pay for extended stay hotel – corporate apt. for 1 month.  – Locate safe neighborhoods via Zillow
Why to consider long term care insurance | Clark Howard
Long Term Care (LTC) | Clark Howard
Long-term care insurance honor roll | Clark Howard
Trip and Travel Insurance Guide | Clark Howard
Read the fine print on your travel insurance! | Clark Howard
Should newlyweds sign a pre-nuptial agreement? | Clark Howard
Tax Lien Investing: Controversial, risky NOT recommended
Pros and cons of reverse mortgages for seniors | Clark Howard
Free Credit Report Guide | Clark Howard
Free Credit Score Guide: Understanding your score and what you can do to improve it | Clark Howard

Wednesday August 16
Something new in store from Amazon
Sizzling Deals: See as many movies as you want for only $10 a month | Clark Howard
MoviePass: Watch one movie per day in theaters for $10 a month | Clark Deals
Sprint offers 5 unlimited lines for $100 | Clark Deals
Connected devices play I Spy with your privacy –  no rules
Advance Directives: 2 steps to make sure your final wishes are respected
Avoid JOBsolescence

On the Calls:
Genetic testing at home: Is it worth the price? | Clark Howard
Buying Computers | Clark Howard
AUTO INSURANCE Search | Clark Howard
LexisNexis Personal Reports
Roth 401(k) – Investopedia
What you need to know about home equity | Clark Howard
Want to buy a rental property? Read this first | Clark Howard
Owner’s title insurance: What is it and when do you need it? | Clark Howard

Best 529 plans to help pay for college | Clark Howard
Right now is the best time to get a mortgage or refinance yet this year | Clark Howard
Free ways to transfer money within the U.S. and overseas | Clark Howard
How Umbrella Insurance Works | Investopedia
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
2017 Standard Mileage Rates for Business, Medical and Moving Announced

Tuesday August 15
Amazon issues refunds for potentially fake solar eclipse glasses | Clark Howard
Here’s how to protect your eyes during the upcoming solar eclipse | Clark Howard
Warning: New phone scam targets DirecTV customers | Clark Howard
Brandless.com wants you to stop paying the ‘name tax’ | Clark Howard
This website will notify you if there’s unclaimed money in your name | Clark Howard
Costco ordered to pay Tiffany nearly $20 million in trademark case | Clark Howard

On the Calls:
HOSPITAL BILLING Search | Clark Howard
6 mistakes to avoid with a rewards credit card | Clark Howard
Clark Howard: Refinance Guide | Clark Howard
How to shop for a home security system | Clark Howard
Ooma Home Security | Ooma Telo | Support   –   Ring Video Doorbell for Your Smartphone | Ring
Track your mortgage with these free tools | Clark Howard

Using Cell Phones Overseas | Clark Howard   –   Travel | Clark Howard
Investment Guide | Clark Howard
How to get free or cheap investment advice | Clark Howard
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
Long-term care insurance honor roll | Clark Howard
Bitcoin: Bubble mania or legit investing opportunity? | Clark Howard
Needs to rent for a few months during home construction:
–   How to book the best — and safest — Airbnb | Clark Howard
9 ways to pay for college without student loans | Clark Howard
Vanguard – Brokerage FAQs – General information

Monday August 14
Warning! Walking while texting can cost you
Fake COLA: Phone scammers promise bogus bump in Social Security benefits | Clark Howard
Goolgle Drive – The best way to protect your personal and business data
Foreign currency trading – A Clarksmart warning
Free delivery via Boxed.com: Deal or no deal?

On the Calls:
The only legitimate use for a home equity loan | Clark Howard
Home Equity Lines | Clark Howard
The “Clark Smart” steps for buying a new car | Clark Howard
A credit union car loan is usually better than a dealers’ 0%. Run the numbers. Take the lower price with a credit union loan.
These 10 retailers offer the best deals on the best quality hearing aids | Clark Howard
Auto insurance: How to shop for a new policy in 2017 | Clark Howard
Best and worst auto insurance companies | Clark Howard
#1 secret to get a satisfactory resolution to your auto insurance claim | Clark Howard
2017 Toyota Prius Prime Plug-In Hybrid | Let’s imagine the new possible.
How to shop for a home security system | Clark Howard
Non contract monitoring: $10 – $20 a month. With existing system,
-Google the term: ‘UL approved security system monitoring +  location’
1 formula for how much $ you’ll need in retirement:  25X what you spend in a year.
Bankruptcy | Clark Howard   Chapter 7 listed 10 years on credit reports, Chapter 13 reflected 7 years.

Should you close that paid-off credit card? | Clark Howard
Free Credit Score Guide: Understanding your score and what you can do to improve it | Clark Howard
How to choose and switch to a better bank for you | Clark Howard
Small business owners: Leverage online banks for greater profits | Clark Howard
5 ways to protect your business bank account | Clark Howard
Robinhood  –  Best discount investment brokers of 2017 | Clark Howard
-6 ways to start investing when you only have $100 or less | Clark Howard
Are Home Warranties Worth the Money? | Clark Howard
-The one time to buy a home warranty | Clark Howard
Browse on your iPhone more safely with this free VPN | Clark Howard
There’s a new victim of identity theft every two seconds: Here’s the best way to protect yourself online | Clark Howard
-A VPN is valuable if you travel regularly accessing Wi-Fi –  T-Mobile hotspots bypass all that.
SOLAR POWER Search | Clark Howard
What you need to know about donating your used vehicle to charity | Clark Howard
-Beware of this used car donation gotcha | Clark Howard
Eliminate email clutter forever with this new tool | Clark Howard

Friday August 11
Eating healthy is more affordable than ever
Special Alert for those with private student loans
Disney is parting ways with Netflix | Clark Howard
Clark answers his critics on ‘Clark Stinks’
Is a Health Savings Account right for you?

On the Calls:
Solo 401(k) vs. SEP: Which is Best for Biz Owners? | Investopedia
Roth 401(k) vs. Roth IRA: Is One Better? | Investopedia
Investment Guide | Clark Howard
Warning: This is not the utility company calling you! | Clark Howard
Seniors & Retirees | Clark Howard  –  10 scary scams targeting seniors and how to avoid them | Clark Howard
Comapny 401(K) -If underlying expenses are more than .06% per year for the fund choices,
-you’re probably better off doing your own IRA.
New medicare cards won’t display Social Security numbers, but the change may take a while | Clark Howard
10 things to know about Social Security in 2017 | Clark Howard
Don’t give your Social Security number at these places! | Clark Howard
There are legitimate business purposes for requiring social security numbers.
-Background checks vetting people who work with children, is one example.
-Credit must be thawed for background check to occur. Stay paranoid!
Are you too old to open a Roth IRA?  If you’re working part or full time you can fund a Roth with money you won’t need for 20 years.
-Easy to inherit – no  mandatory withdrawals. But there’s no upfront tax benefit.
Buy or rent? The new view of the American Dream | Clark Howard
Should you rent a home or buy one? | Clark Howard
There’s a hidden dark side to roadside assistance and cell phone insurance | Clark Howard
Team Clark will find out if you can challenge roadside assistance as a false posting on a CLUE report
Your C.L.U.E. report: What it is and how to check it for free! | Clark Howard
Free Credit Report Guide | Clark Howard
#1 secret to get a satisfactory resolution to your auto insurance claim | Clark Howard

How to not drown in rising flood insurance premiums | Clark Howard
How to shop for a home security system | Clark Howard
-Home security: With installed system, Yelp or Goodle- ‘security system UL approved monitoring station’ Don’t sign a contract.
Convicted burglar reveals 9 secrets to keep your home safe | Clark Howard
Investment Guide | Clark Howard
What is a backdoor Roth IRA? | Clark Howard
How to Invest in a Roth IRA Even With a High Salary | Investopedia
3 Reasons to Convert Your IRA to a Roth IRA | Investopedia
Note- Generally, mutual fund companies and investment houses are prohibited from giving guidence
-on non-dedectible backdoor Roths.-Do your own research

Thursday August 10
Virtual kidnapping – A fast growing scam exploits your love of family
A Clarkrageous mortgage scam has cost some people their homes
What’s behind auto insurance rate increases –  and your best strategy
What to know before booking a flight with a deep discounter airline
RIP OFF ALERT! Skimmer texts! Clark’s rule for pay at the pump purchases  

On the Calls:
15 new commission-free ETFs from Charles Schwab | Clark Howard
Charles Schwab cutting fees again | Clark Howard
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
How to hire the best moving companies | Clark Howard
6 Great Guidelines for Choosing a Self-Storage Facility – SpareFoot Blog
Best 529 plans to help pay for college | Clark Howard
Investment Guide | Clark Howard
Clark.com/Ponzi Schemes & Multi-Level Marketing

Earnest Money – Investopedia
7 places where you can buy a condo for under $100K | Clark Howard
How to avoid the #1 mistake that condo buyers make | Clark Howard
How to protect yourself against abusive debt collectors | Clark Howard
Investopedia.com/Real Estate Trust or LLC? Helping Landlords Choose
Free Credit Report Guide | Clark Howard
Free Credit Score & Free Credit Reports With Monitoring | Credit Karma
Clark’s secret to finding the cheapest flights possible | Clark Howard
Disability Insurance | Clark Howard
Clark Howard: Long Term Care Insurance Help | Clark Howard
Long-term care insurance honor roll | Clark Howard
Crowdfunding: How to do it the right way and avoid getting scammed | Clark Howard

Wednesday August 9
Today’s the day! New T-Mobile unlimited plan: 2 lines for $60 for those 55+ | Clark Howard
Long time holdout Disney – A new entry into your video streaming options
Welcome again to the Clarkrage stage, Wells Fargo! Back by infamous demand, we list 4 of their latest HITS – on your wallet
Mazda – the little engine that can, has announced a breakthrough
What health plans cost employers makes the critical list
Clarksmart financial advice for parents of adult children

On the Calls:
5 strategies to help you get the salary you want | Clark Howard
New tool determines if you’re getting paid enough | Clark Howard
WEDDING PLANNING Search | Clark Howard
Hulu’s live TV service is here for $39.99 per month! | Clark Howard
Timeshares | Clark Howard

5 online banks that totally rock | Clark Howard
Best Savings and Money Market Accounts
Publix expands grocery delivery service to two more cities | Clark Howard
Walmart testing grocery delivery service with Uber and Lyft | Clark Howard
Food & Restaurants | Page 14 | Clark HowardPostmates On-Demand Delivery
Food Delivery | Restaurant Takeout | Order Food Online | Grubhub
Better Business Bureau: Start With Trust- Buying a Hot Tub or Spa
The best day of the week to book a cheap flight | Clark Howard
Book flights with confidence | Google Flights
Travel Safety Tips | Clark Howard
Shopping around for MRIs, CT scans, mammograms and blood work can save big bucks | Clark Howard
Skipped jury duty? Watch out for this scam. | Clark Howard
Warning: Woman loses $3,200 in resurfacing phone scam | Clark Howard

Tuesday August 8
This is how Clark escaped injury after being brushed by a car | Clark Howard
Vietnam vet threatened by homeowners association for U.S. flag mailbox | Clark Howard
Just announced! New T-Mobile unlimited plan: 2 lines for $60, no taxes/fees for those 55+ | Clark Deals
Americans cross the border for cheap dental care in Mexico | Clark Howard
Change is coming to how mortgages operate. ARMs to fixed rates – The time is now

On the Calls:
The best investment companies for your money | Clark Howard
CHART: Save this percentage of your income based on your years until retirement | Clark Howard
5 sneaky ways to increase your credit score | Clark Howard
ChexSystems: What It Is & How Long Info Stays In It | WalletHub®
How to choose and switch to a better bank for you | Clark Howard
Consumer Home-The Direct Marketing Association Privacy Promise
4 Ways To Opt Out of Junk Mail | Clark Howard
Travel Booking & Planning Guide | Clark Howard
Safety in Yucatan Peninsula | Frommer’s

3 ways to pay less when you have a teen driver under your roof | Clark Howard
-Covering a teen driver: Taking Uber and Lyft may be a cheaper alternative.
-Or the teen should work to offset the costs of driving.
Discount Eyewear | Clark Howard  –  EYEGLASSES Search | Clark Howard
Taxes You Need to Pay When Selling Rental Real Estate | Nolo.com
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
Clark’s Investment Guide | Clark Howard
Best and worst auto insurance companies | Clark Howard
Insurance | Clark Howard

Monday August 7 
The rules of the college tuition game have dramatically changed – in your favor
Clarkrageous covenants not to compete are an affront to human decency
Car rental rip offs:  An important new damage claim warning
Patient medication errors –  damage report and prevention tips
Airbnb Experiences: This fast growing hospitality opportunity may be profitable/fun for you!

On the Calls:
The sunk cost challenge – throw more $ into whole life insurance or cut your losses?
EvaluateLifeInsurance.org   –   Insurance Resources | Clark Howard
Homes & Real Estate | Clark Howard   –   Clark.com/ BUYING A HOME
Why you should buy a house below your means | Clark Howard
Moving & Selling | Clark Howard   –   Capital Gains Tax On Real Estate
Tax Implications for Converting a Primary Residence to Rental Property | The Smarter Investor | US News
Want to buy a rental property? Read this first | Clark Howard
Health Insurance Guide | Clark Howard
Reward Cards: Citi Double Cash – Cash Back Credit Card – Citi.com
Fidelity Rewards Visa Signature Card\
Costco Anywhere Visa Card by Citi — Citi.com
How To Score a Deal on a Cruise | Clark Howard
Cruise Vacations at Costco Travel
4 things to consider before canceling a credit card with an annual fee | Clark Howard
Should you close your credit card? | Clark Howard
Credit Score Guide | Clark Howard

Best 529 plans to help pay for college | Clark Howard
Student loan guide | Clark Howard
How to find a geriatric care manager-Clark.com​
Life insurance as an investment – pitched as tax free or tax advantaged investing: NOT RECOMMENDED.
– The expenses are gigantic –  an extremely inefficient way to save.
ANNUITIES Search | Clark Howard
Buying a car – Car loans
How a 19 year old got a credit score of 820 | Clark Howard
What you should know about being an authorized user on a credit card | Credit Karma
Recordkeeping for Landlords | Nolo.com

Friday August 4
The end of car ownership
Censorship by banks against the CFPB sparks intense Clarkrage
If you’re leaving an inheritance, timing is everything
Clark answers his critics on ‘Clark Stinks’
Why an unused apartment might be perfect for your next vacation stay | Clark Howard

On the Calls:
LLC Basics | Nolo.com
S Corporations | Nolo.com
C Corp, S Corp or LLC | LegalZoom Legal Info
How to avoid undeserved rental car damage fees | Clark Howard
Converting Traditional IRA Savings to a Roth IRA | Investopedia
Owner’s title insurance: What is it and when do you need it? | Clark Howard
Guide to Buying a Used Car | DMV.org
How to buy a used car | Clark Howard

Saving Account Rates – Compare High Interest Accounts Online – Bankrate
Should you close your credit card? | Clark Howard
Credit Score Guide | Clark Howard
Vanguard – Vanguard STAR Fund
Investment Guide | Clark Howard
What you need to know about store credit cards | Clark Howard
5 ways to build credit and save money in your 20s | Clark Howard

Thursday August 3 
Airline seating policies don’t sit well with passengers. What to know
Bait & switch billing plagues TV, phone & internet customers. You’re the cure
Company Stock: Clark wants to make sure there’s ZERO% chance you make this investing mistake
Podcasts on double time
A college degree vs. skills training for long-term employment

On the Calls:
How to refinance your student loans | Clark Howard
How to qualify for student loan forgiveness | Clark Howard
5 online banks that totally rock | Clark Howard
How To Complain Online Without Being Sued | Clark Howard
Should you close that paid-off credit card? | Clark Howard
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard

Visa delays chip card use at the gas pump for another 3 years | Clark Howard
Here’s everything you should know about term life insurance | Clark Howard
How to shop for term life insurance | Clark Howard
International Travel Tips: Money, Mobile & Booking | Clark Howard
Travel News – Los Angeles Times
Does freezing an EMV credit card destroy it? | Clark Howard
Unwanted Mail Marketing | Clark Howard
-Call or email to stop magazine subscriptions
Cheapest and easiest ways to do a will | Clark Howard
Quicken WillMaker Plus – 2017 Edition – Nolo
Last Will and Testament – Make a Will Online | LegalZoom
Wills & Funerals | Clark Howard
How to get out of a bad car loan | Clark Howard
Ponzi Schemes & Multi-Level Marketing | Clark Howard
Multilevel Marketing | Consumer Information
Investment Guide | Clark Howard

Wednesday August 2
Why Clark snores when the Dow soars
Warning: You’ll be getting Clarkrageous sales pitches for electronics subscriptions
Here’s how to protect your eyes during the upcoming solar eclipse | Clark Howard
These Solar eclipse paper glasses are $1.98 and NASA certified! | Clark Deals
Vending machines to dispense Uniqlo-brand clothing | Clark Howard
A major auto insurer caught tracking you in hidden ways

On the Calls:
Investment Guide | Clark Howard
The #1 tip to help maximize your 401(k) investing | Clark Howard
Becoming a landlord: How to find a good tenant | Clark Howard
Cash back reward cards – for Fidelity customers: Fidelity Rewards Visa Signature Card
-Recommended – Citi Double Cash – Cash Back Credit Card – Citi.com
Loyalty can hurt you with auto insurance | Clark Howard
4 hidden factors that help determine your auto insurance premiums | Clark Howard
What role does credit play in setting car insurance premiums? | Clark Howard
How to qualify for student loan forgiveness | Clark Howard

Best 529 plans to help pay for college | Clark Howard
Consumers warming up to the idea of robo-advising | Clark Howard
The best investment companies for your money | Clark Howard
How to find a fee-only financial planner | Clark Howard
Car Insurance | Clark Howard
11 ways to save big bucks on your next remodeling project | Clark Howard
Mortgages | Clark Howard

Tuesday August 1
Privacy alert!  Blu phones have been pulled from Amazon.
Big banks get another pass & your constitutional rights are under threat – Is your Congressman Clarkrageous?
Financial implosion dims promise of nuclear power
Warning! Free trial offers can cost you plenty
For investors, one criteria improves the odds you’ll make money over time

On the Calls:
Ladder: A new option for online term life insurance quotes | Clark Howard
How to shop for term life insurance | Clark Howard
How Does a Tax-Free Exchange Work? | Investopedia
How to find a fee-only financial planner | Clark Howard
The “Clark Smart” steps for buying a new car | Clark Howard
When’s the best time to take Social Security? Here’s how to find out… | Clark Howard
How to get the maximum Social Security check | Clark Howard
How To Score a Deal on a Cruise | Clark Howard
Credit card processing overseas – choose to clear in the local currency
13 fees that are a total waste of your hard-earned money | Clark Howard

Discount Eyewear | Clark Howard
Contact Lenses at 1-800 CONTACTS | World’s Largest Contact Lens Store®
Costco Contacts Online
9 cheaper alternatives to cable or satellite TV | Clark Howard
Hulu’s live TV service is here for $39.99 per month! | Clark Howard
YouTube announces new $35 live TV service | Clark Howard
Will Authorized User Status Help You Build Credit? It Depends
Attending a Timeshare Presentation for a Free Vacation – Good Idea?
When should you go to a timeshare presentation? Never, never, never, not ever. Don’t buy them!
How to get that HGTV decorating look you love for a fraction of the cost | Clark Howard
Employment Trends & Job Market  | Clark Howard|
How to choose and switch to a better bank for you | Clark Howard
6 little bank fees eating away your money without you noticing | Clark Howard
Student loan guide | Clark Howard
Subsidized and Unsubsidized Loans | Federal Student Aid

Monday July 31
TSA  electronics screening changes
Another Wells Fargo scandal – category: Auto loans / insurance
Amazon Jobs Day 2017: 6 things you need to know | Clark Howard
Consumer car loan & credit card delinquencies spell trouble consumers will end up paying for
State of the nation’s data breaches and your risk for ID theft

On the Calls:
When to Add an Authorized User to Your Credit Card Account | NFCC
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
Automatic billing glitch overcharges woman by $142,000: How to prevent it from happening to you | Clark Howard
ETF/Exchange Traded Funds Guide | Clark Howard
15 new commission-free ETFs from Charles Schwab | Clark Howard
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
Investment Guide | Clark Howard
Solar panel installation guide | Clark Howard
Mortgage refinance guide | Clark Howard

List of pharmacy schools in the United States – Wikipedia   –   AACP – Admissions
Student loan guide | Clark Howard
There’s a new victim of identity theft every two seconds: Here’s the best way to protect yourself online | Clark Howard
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
Nissan Leaf Review – Edmunds.com   –   Model 3 | Tesla
Christmas into New Year’s is a costly travel time. The #1 rule of cheap travel | Clark Howard
How to book the best — and safest — Airbnb | Clark Howard
NEXT WEEK is the final payment deadline for many cruise lines for Christmas and New Year’s.
-Many will abandon their bookings, so you may see more availability and better deals.
-Christmas vacation idea: Above the line in Fla from Clearwater across to Cocoa Beach – off season deals.
The best investment companies for your money | Clark Howard
Earthly – Sustainable Investment Management & Advice – We offer low-cost, sustainable investment solutions for individuals & institutions
Top 10 jobs with the fastest wage growth | Clark Howard
Consult with employers in your desired field to find out hiring qualification preferences .

Friday July 28
For your inner-entrepreneur: Living proof the American Dream is alive and well
The top Clarkrageous financial complaints of military personnel, veterans  & civilians
A Clarksmart Back to Basics on saving for college
Clark answers his critics on ‘Clark Stinks’
Reclaim wasted time online –   Rescue Time

On the Calls:
How to make your car last 200,000 miles | Clark Howard
SUV Search | Clark Howard   –   How to buy a used car | Clark Howard
Consumer Reports ranks top 10 new cars of 2017 | Clark Howard
HOW TO SELL A HOUSE Search | Clark Howard
Small business loans: On merchant cash advance loans the effective interest rate is typically 60% – NOT recommended.
Best ways to get a small business loan | Clark Howard  – Kabbage,  Lending Club,  Prosper,
Sam’s Club Business Lending Center. SBA loans, business loans, credit cards.
This major health insurer may stop paying your ER bill on July 1 | Clark Howard
A bill for nearly $7,000 to treat a cut — without stitches?! | Clark Howard
How to deal with a hospital that’s overbilling you | Clark Howard
How a medical billing advocate can significantly reduce your costs | Clark Howard
4 Ways To Opt Out of Junk Mail | Clark Howard
-You do have to give your ss# to shut down offers. But with frozen credit, no worries.
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard

IRS PHONE SCAM Search | Clark Howard
House Your Retirement With Self-Directed Real Estate IRAs
Want to buy a rental property? Read this first | Clark Howard
How to invest in rental properties: 8 real estate factors to consider | Clark Howard
What you need to know about store credit cards | Clark Howard
4 things to consider before canceling a credit card with an annual fee | Clark Howard
Credit Score Guide | Clark Howard
RIP OFF ALERT! 702(j) plans: The “retirement plan” that needs to retire! | Clark Howard

Thursday July 27
Life Insurance  –  A phenomenal bargain
Crooks are targeting you via text – what is ‘smishing’
Get fit for free – running clubs
Skills AND education for long-term employment
How to really know how much car you can afford

On the Calls:
5 ways to get prices so cheap…you won’t believe your eyes! | Clark Howard
The smartest financial decision you will ever make | Clark Howard
Small Business & Entrepreneurship | Clark Howard
BBB Online Complaint System | Get Started

Moving & Selling | Clark Howard
How to hire the best moving companies | Clark Howard
Clark.com –  Plan for your funeral in advance to save big bucks
Student loan guide | Clark Howard
Homes & Real Estate | Clark Howard
Investment Guide | Clark Howard
Identity Theft Guide | Clark Howard
Best 529 plans to help pay for college | Clark Howard

Wednesday July 26
New tool offers credit card perks without debit card dangers | Clark Howard
In the era of the perpetual sale, when is a sale NOT a sale?  Everyday ONLY!
The wholesale rip off of whole life insurance customers
An major sea change in the financial services industry – could serve you well
Wisconsin company implanting microchips in employees | Clark Howard

On the Calls:
The key to preventing tax return identity theft is… | Clark Howard
Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
Dedicated Chromebook for financials only – 5 ways to stay safe when doing online banking | Clark Howard
CO massive job growth = severe housing shortage. Below market rent likely a scam…
Rent Airbnb for a week or so to investigate.
STUDENT LOAN DEBT Search | Clark Howard
Travel Booking & Planning Guide | Clark Howard

Best 529 plans to help pay for college | Clark Howard
Know your rights with debt collectors | Clark Howard
Before you respond to a medical debt lawsuit, take these 10 steps | Clark Howard
-Know your rights – call your state’s Insurance Department
How to refinance your student loans | Clark Howard
Student loan guide | Clark Howard  –   Credible® | Find the Best Loans | Easily Compare & Save
5 ways to get prices so cheap…you won’t believe your eyes! | Clark Howard
Home Equity Lines | Clark Howard
The only legitimate use for a home equity loan | Clark Howard
Statute of limitations | Clark Howard
Know your rights with debt collectors | Clark Howard

Tuesday July 25     (Replay 6-23 / 6-26)
How a 15-year-old with 3 jobs is already saving for the future | Clark Howard
One Clarkrageous company faces a $300M fine for harassing people on the Do Not Call list. Put them on your Do Not Answer list
Energy update: Your summer gasoline and cooling costs
Survey Says!
Clark.com – INSPIRE: An online community of support and resources for people dealing with illnesses

On the Calls:
Clark.com – How to improve your credit score
Credit Score Guide – Clark Howard
INVESTMENT GUIDE – Clark Howard​
What you need to know about home equity | Clark Howard
OPM.GOV Healthcare benefits
Mailers for mountain, lake or beach resort properties display was / is pricing.
-This is re-marketed property in the real estate bust aftermath.
-The land, bought by developers in the bubble, was never worth that much and carries ongoing fees
-and potential building restrictions. Only buy an existing home with intact utilities.

Investopedia – Real Estate Owned -REO
Clark.com-Should you close that paid-off credit card?
Clark.com- MISSING MONEY​  –   FHA refund – go to Hud,gov
NAUPA- Unclaimed.org  – Insurance companies- check Connecticut  /   ex-employer? -check Delaware 
Identity Theft Guide | Clark Howard  –   ID Theft Resource Center 888-400-5530
What to do if your credit card application gets rejected | Clark Howard
Clark.com-Save money merchant processing fees
Prepaid currency cards – not recommended. Fees may be hidden in the exchange rate
Clark.com – Handling your money overseas
Online Checking Account with Free Checks and ATM Fee Rebates | Schwab Bank

Monday July 24  (Replay 6-22)
Our tax dollars used to subsidize billionaires: The stadium game
Don’t roll over for  Clarkrageous  investment advisor lies – Fiduciary sleight of hand
A new fix for cracked iPhone screens  – on the ‘Horizon’
Savers by the numbers: Most of us are broke
Exposing the junk food conspiracy 

On the Calls:
5 rules for selecting a teen driver’s first car | Clark Howard
Selling Your Business | The U.S. Small Business Administration | SBA.gov
Investment Guide | Clark Howard
Investopedia.com- The Benefits of Starting an IRA for your child
Schwab MoneyWise: Investment Accounts for Kids

Two-thirds of Americans aren’t using the easiest way to save for retirement | Clark Howard
Investment Guide | Clark Howard
Clark.com- 401(k)s – The easiest way to save for retirement
Your guide to paying off credit card debt | Clark Howard
Becoming a Landlord: How To Find a Good Tenant | Clark Howard
Credit freeze and thaw guide | Clark Howard
How to put a credit freeze in place for your child | Clark Howard
REITs: What you need to know about Real Estate Investment Trusts | Clark Howard

Friday July 21
The way to affordable housing is here.
Beware Clarkrageous fake currency investment pitches
Winning the fight against customer no-service
Clark answers his critics on ‘Clark Stinks’
Young entrepreneurs provide service, inspiration  

On the Calls:
Retirement Planning for the Self-Employed | Investopedia
Investment Guide | Clark Howard
Plan for your funeral in advance to save big bucks | Clark Howard
Federal Trade Commission | Protecting America’s Consumers
Should you close that paid-off credit card? | Clark Howard
Does freezing an EMV credit card destroy it? | Clark Howard
Jitterbug Flip | Best Basic Big Button Cell Phone for Seniors | GreatCall
Avoiding big fees for using your phone overseas | Clark Howard
Traveling Verizon Wireless customers hit with hundreds in surprise fees | Clark Howard
LINE : Free Calls & Messages   –   Viber – Free calls, text and picture sharing with anyone, anywhere!

4 things for teachers to consider about their 403(b) retirement plans-ClarkHoward​
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
Investment Guide | Clark Howard
What to do when you can’t pay your taxes | Clark Howard

Thursday July 20
Relocating?  3 steps to protect yourself from moving scams
Teachers are getting hosed on Clarkrageous  retirement plans – Protect yourself
Another site full of screaming deals. Hollar for savings
Like your burger topped with wire bristles? Heed this grilling season warning | Clark Howard
Break out of ChexSystems jail to reestablish a banking account – NOT at a bank

On the Calls:
Acorns  –  6 ways to start investing when you only have $100 or less – ClarkHoward​
Clark’s take: These investment companies offer you the best bang for your buck
This free app blocks IRS scam phone calls – ClarkHoward
Hiya: Caller ID, Call Blocker & Protection for a Better Phone Experience
Buying tax lien certificates – NOT RECOMMENDED. A risky over-hyped area.
-If interested, learn the trade at an actual tax lien company.
Drawbacks of Tax Lien Certificates | Chron.com
All About Credit Unions | LGFCU   –   Best Credit Union CD Rates
National Credit Union Administration
Cash in coins at Coinstar. Sell gift cards at Coinstar Exchange.
Airbnb and hotel booking – yes, they require ID
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
How to book the best — and safest — Airbnb | Clark Howard
Book at Spirit Airlines site to see all the fees. Everything is extra after ticket purchase. Bare fare + extra.
Tax relief companies?  NO.  Use a tax attorney, CPA or enrolled agent.
Can a company really shink your tax liability? – ClarkHoward
What to do when you can’t pay your taxes – ClarkHoward

Buy or rent? The new view of the American Dream | Clark Howard
Fake Checks | Consumer Information|
What is a 401(k)? | How to maximize your savings for the future | Clark Howard
Credit Score Guide | Clark Howard
10 cars that will almost certainly last 200,000 miles | Clark Howard
Best 529 plans to help pay for college | Clark Howard
Clark.com/Crowdfunding: How to do it the right way and avoid getting scammed
Free Online Fundraising & Crowdfunding Website – YouCaring
Free ways to transfer money within the U.S. and overseas | Clark Howard
Credit freeze and thaw guide | Clark Howard

Empowerment Zone – Erasing Hate ~ Season 2 Episode 3


Wednesday July 19
   (Replay 6-19)
Report: Amazon to lower prices at Whole Foods | Clark Howard
Don’t get fooled by Clarkrageous fake cancer charities
The change in policy for travel to Cuba
Getting strong internet in your home is getting easier
Children, technology and a parent’s dilemma

On the Calls:
Clark.com-16 ways to lower your energy bill
Clark.com-How to drastically reduce your energy costs using home automation
Clark.com-How to find a geriatric care manager
Is it better to drive for Uber or Lyft? Here’s what you need to consider | Clark Howard
Clark Howard goes undercover as a Lyft and Uber driver | Clark Howard
Clark.com – FIRST TIME HOME BUYER Search
Clark Howard: Cheap Cell Phone Plans | Clark Howard
Hey, T-Mobile customers: Say goodbye to robocalls and scam calls! | Clark Howard
Ooma- get on board to eliminate robocalls

Erroneous Navient student loan collection calls – file a complaint with your Congressman’s local constituent service office
-and at ED.GOV- familypolicy.ed.gov/complaint-form
Student loan giant cheated borrowers, new lawsuit says | Clark Howard
Apple’s iOS 11 Gets Do Not Disturb While Driving Feature – Motor Trend
Costco Auto ¦ Car buying made easy ¦ new vehicles & more!
Sam’s Club Auto Buying Program Powered By TrueCar
Buying a car | A step-by-step guide to everything you need to know | Clark Howard
Clark’s rules for lending to family and friends | Clark Howard
CNN.com – Why opioid overdose deaths seem to happen in spurts
21 ways to spend less money at the grocery store | Clark Howard

Tuesday July 18   (Replay 6-12)
Public health crisis – opioid addiction
ClarkRage  – An updated warning for aspiring inventors
The banks want to own money transfer again. The best deal for your wallet
A phenomenal safety advancement in vehicles
Do you use a debit card? This is the #1 way to protect against unauthorized charges | Clark Howard

On the Calls:
A new option for free credit monitoring | Clark Howard
Cheapest and easiest ways to do a will | Clark Howard
Clark.com-How to refinance your student loans
Student loans 101 | Everything from how much to borrow to paying it off | Clark Howard
9 cheaper alternatives to cable or satellite TV | Clark Howard
Watch all the live TV you want for $35 a month with YouTube TV | Clark Howard
Ooma VoIP system for Home & Business | #1 Internet Phone Service
How to get prices so cheap you’ll think they’re misprints! | Clark Howard
How to shop for term life insurance | Clark Howard

Top 10 Hotels in Honolulu, HI in 2017 | Hotels.com
9 things most people forget about when buying disability insurance | Clark Howard
The best sunscreens for your money | Clark Howard
How to buy a used car | Clark Howard
Buying a car | A step-by-step guide to everything you need to know | Clark Howard
Clark.com – How to buy a car
Student Loan Guide | Clark Howard

Monday July 17
Job benefits aimed at student loan debt – Memphis joins the effort
Texting casualties mount – walking blind.
Independent contracting vs.  full-time employment benefits
Zero-down mortgages are back – with a twist
Your teen should get a job – within limits
How a 15-year-old with 3 jobs is already saving for the future | Clark Howard

On the Calls:
Travel buddies   –   TravelBuddies
Solo Traveler – solo travel tips, safety advice, stories and destinations
How To Score a Deal on a Cruise | Clark Howard
Sling TV is A La Carte TV – Watch 7 Days Free!
9 cheaper alternatives to cable or satellite TV – ClarkHoward​
Pros and cons of reverse mortgages for seniors | Clark Howard
HUD FHA Reverse Mortgage for Seniors (HECM)
Investment Guide | Clark Howard
How to shop for term life insurance | Clark Howard
How much life insurance do you need? | Clark Howard
How much life insurance: 10X annual income
How much retirement ; the 4% rule –  Be able to get through a year using 4% of your savings + social security
Preparing a will using free forms online – NOT recommended.
-Better to purchase Quicken WillMaker Plus – 2017 Edition – Nolo

File a consumer complaint | US Department of Transportation
DSF.gov – No-Fault Insurance FAQs
Search ‘extreme driver training’ plus your location. Recommended in conjunction with drivers education.
Cruise Vacations at Costco Travel
What do real estate attorneys do? | Investopedia
Car Rentals | Clark Howard

Friday July 14
Amazon Wardrobe: Try before you buy and return what you don’t want for free | Clark Howard
Most Americans swim in debt to pay for vacations | Clark Howard
Of faith and finance: a former monk’s vow against poverty
Clark answers his critics on ‘Clark Stinks’
Some Airbnb properties are under new management: The Airbnb mega-hosts

On the Calls:
Your C.L.U.E. report: What it is and how to check it for free! Clark.com​
There’s a hidden dark side to roadside assistance and cell phone insurance – Clark.com.
-Never buy roadside assistance from an insurer. If burned by this, call on your state insurance commissioner to ban this practice Use AAA.
How to shop for term life insurance – Clark.com
Open a Roth with $1000 min in a Vanguard Target Retirement Fund – Investment Guide | Clark Howard
What do real estate attorneys do? | Investopedia
YOUNG DRIVERS- INSURANCE Search | Clark Howard

About Us – The College Board – Regional Offices
CLEP – Get College Credit With What You Already Know – The College Board
Becoming a Landlord: How To Find a Good Tenant | Clark Howard
Want to buy a rental property? Read this first | Clark Howard
Buy or rent? The new view of the American Dream | Clark Howard
How to avoid the #1 mistake that condo buyers make | Clark Howard
10 things to know before buying a home | Clark Howard

Thursday July 13
Clark.com – Zillow’s new service might change the way you sell your house
Criminals have a Clarkrageous route into your bank account
Think that discount prescription card will save you money? Not always… | Clark Howard
New, potentially safer outlets for selling your stuff
New ways to secure you home simply and affordably: Smart locks –Ring  –  August.com 

On the Calls:
5 online banks that totally rock | Clark Howard
Student loan guide | Clark Howard
Credit freeze and thaw guide – Clark.com
TSP: Traditional and Roth Contributions
10 people you should never forget to tip while traveling | Clark Howard
Why paying off PMI should be a top financial priority | Clark Howard
80-10-10 Mortgage – Investopedia

Clark.com – BANKRUPTCY
NFCC.org   –    Your guide to paying off credit card debt | Clark Howard
Free Credit Score & Free Credit Reports With Monitoring | Credit Karma
TV buying guide | Clark Howard
How to spot a student loan scam | Clark Howard
How to qualify for student loan forgiveness | Clark Howard
Student loan guide | Clark Howard
Credit Card Tune-Up: Find credit card rewards for your expenses – 2017
Compare Hotel Credit Cards – CreditCards.com
Clark.com/10 scary scams targeting seniors and how to avoid them
Clark.com-The truth about the cost of escrow payments
What you need to know about store credit cards | Clark Howard
These are the worst store credit cards | Clark Howard
Target : Expect More. Pay Less.

Wednesday July 12
Net neutrality: Make your voice heard on this important issue | Clark Howard
Cyber-bullying – it’s not just kids
A move by Visa to put the kibosh on cash
Bypass new hassles when renting a car  ( Rental co. clubs / off-airport rental)
What price happiness?

On the Calls:
Why co-signing a loan can be bad on almost every financial level | Clark Howard
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
RobinHood – Best discount investment brokers of 2017 | Clark Howard
How to refinance your student loans | Clark Howard
-To refi private student loans, look at Sofi and Credible
What is a tax-free 1035 Exchange? | Investopedia
Why to consider long term care insurance | Clark Howard
Mortgage refinance guide | Clark Howard
– No closing cost refi offers take your interest rate higher.

Should You Buy A Used Nissan Leaf?
Save Money on Merchant Processing Fees | Clark Howard
Unsecured investment “bonds” or by any other name – NOT recommended
Investment Guide | Clark Howard
Updated: 17 States Now Charge Fees for Electric Vehicles | Greentech Media
How to find a geriatric care manager | Clark Howard

Tuesday July 11
Could mandatory arbitration with banks be going away? | Clark Howard
Clark Praise: The human spirit at its best – 80 person human chain saves drowning family
Holiday know-how in July:  Attention shoppers: UPS is adding a new delivery surcharge | Clark Howard
A reality check for brand name devotees – and Brandless.com
Smartphone banking – Changes coming to ATM’s protect the bank – not you

On the Calls:
Home Equity Lines | Clark Howard
How to choose the best credit card for college students | Clark Howard
7 top money tips every college graduate needs to know | Clark Howard
Life Insurance | Clark Howard  –   How to shop for term life insurance | Clark Howard
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
5 annoying hotel fees you should never pay | Clark Howard

Credit Freeze Guide: The best way to protect yourself against identity theft | Clark Howard
Student loans 101 | Everything from how much to borrow to paying it off | Clark Howard
Financing Education | Clark Howard
If you owe the IRS – IRS.gov – Offer in Compromise Pre-Qualifier
-Hire a tax attorney, tax CPA or enrolled agent. Advertised settlement programs NOT recommended.
What to do when you can’t pay your taxes | Clark Howard
Joel’s e-bike update coming soon!
How Can I Become a Mortgage Underwriter?
How to prevent credit card fraud – ClarkHoward
My Credit Unions – Fresh Start Programs.

Monday July 10
Prime Day 2017 | Clark Deals   –    7 things to know about Amazon Prime Day | Clark Howard
This algorithm could one day save your life
A big retailer fires an employee for doing the right thing.  A ClarkSmart teaching moment for corporate America
Volvo moves ahead, leaving gas engines behind
Stealing pay TV
A special warning if you owe the IRS 

On the Calls:
Avoiding big fees for using your phone overseas | Clark Howard
Amazon.com: Motorola Moto E (1st Generation) – Black – 4 GB – Global GSM Unlocked Phone: Cell Phones & Accessories
LINE : Free Calls & Messages
Viber – Free calls, text and picture sharing with anyone, anywhere!
Google Duo – The simple video calling app.
When You Should Take the Lump Sum Over the Pension | Clark Howard
How to find a fee-only financial planner | Clark Howard
The best investment companies for your money | Clark Howard
Things you never knew you could get from your library | Clark Howard
Minimize your risk with AirBnb and VRBO | Clark Howard
Two inventors develop new app to stop robocalls | Clark Howard
Stop robocalls and telemarketers with Nomorobo
Hiya: Caller ID, Call Blocker & Protection for a Better Phone Experience

9 things to ask before selling your home | Clark Howard
What do real estate attorneys do? | Investopedia
More states getting Amazon sales tax on April 1…no joke! | Clark Howard
Search: “ Your location +  alarm wireless monitoring no contract”  to find providers in your area
Convicted burglar reveals 9 secrets to keep your home safe | Clark Howard
REITs: What you need to know know about Real Estates Investment Trusts | Clark Howard
Frequently Asked Questions on Gift Taxes
The #1 rule of cheap travel | Clark Howard

Friday July 7  ( Replay 6-2 / 4-3 )
Device addiction vs. Quality Time- a Team Clark experiment
Warning iPhone users: Apple is fighting to make your phone obsolete
IBM rethinks working remotely and issues employees an ultimatum
Look to new and small business for the best jobs
You thought of that!  4 technical innovations

On the Calls:
MoneyConfidentKids
5 rules for selecting a teen driver’s first car | Clark Howard
Clark.com- How to buy a used car
5 Ways To Ruin a Marriage With Money — and How To Stop! | Clark Howard
Why paying off PMI should be a top financial priority | Clark Howard
United unveils 10 major policy changes after viral video fiasco | Clark Howard

Earthquake insurance: 8 things you need to know – CBS News
Credit freeze and thaw guide | Clark Howard
Forget about cheap glasses…This app corrects your vision! | Clark Howard
GlassesOff – Remove Your Reading Glasses –App with mixed reviews. A Clark team member will try it.
Becoming a Landlord: How To Find a Good Tenant | Clark Howard
After customer outrage, HP is allowing non-HP printer ink again | Clark Howard – Choose printers based on cost per page
Consumer Reports best buy HP Officejet Pro 251dw Printer Ink Cartridges | HP® Official Store

Thursday July 6  ( Replay 6-1 )
New ID technology will change your airport experience
A special warning for credit challenged home buyers  (rent to own / contract for deed)
The 10 best and worst states to retire in 2017 | Clark Howard
Why to consider long term care insurance | Clark Howard  
Want to be a happier bank customer? Visit a branch! | Clark Howard

On the Calls:
How to qualify for student loan forgiveness | Clark Howard
Your approval letter for student loan forgiveness may actually be invalid | Clark Howard
Clark.com- TEACHING KIDS ABOUT MONEY Search
Your guide to paying off credit card debt | Clark Howard 
Republic Wireless: Affordable Phone Plans + Top Android Smartphones | Republic Wireless
Project Fi     –     Is using public Wi-Fi a security risk? | Clark Howard

Renting and Leasing | Clark Howard
Won a New Car? Here Are 8 Ways to Afford the Taxes
What you need to know about store credit cards | Clark Howard
Calling Abroad | Stateside International Services | T-Mobile
International Plans – AT&T Premier Business Center
Clark.com – how to find a fee-only financial planner
How to prevent credit card fraud from happening to you | Clark Howard

Wednesday July 5  ( Replay 5-31 )
WARNING: Choosing the wrong medical clinic can be hazardous to your financial health
A bill for nearly $7,000 to treat a cut — without stitches?! | Clark Howard
Scam warning for business owners and entrepreneurs – vet your bookkeeper
Knowing how insurance companies size you up to determine your rates – is money|
Retirement confidence is low. Keeping it Clarksmart & very simple –
Hotel industry changes mean it matters how you book

On the Calls:
International Driving Permits
International Travel Tips: Money, Mobile & Booking | Clark Howard
Clark.com- Student Loan Forgiveness
Eliminate email clutter forever with this new tool | Clark Howard
Investopedia.com-Estate Planning: Living Trusts vs. Simple Wills
How to Freeze California Avocados
BitGold – Stay Away
Clark.com-Avoid surprise car rental fees

Clark.com/Car-rentals: what you need to know before you drive off the lot
Insuremyrentalcar.com | Save Money on Your Rental Car Insurance
Tutoring Resources | Corporation for National and Community Service
Clark.com-Why Entrepreneurs Should Aavoid Business Credit Cards
What to do if your credit card application gets rejected | Clark Howard
Clark.com/ Credit & Debit Cards
Credit or Debit? How to Choose at the Checkstand

Tuesday July 4   (Replay 4-6 /  6-7 )
How can you get an interest rate lowered or late fees waived? Just ask! | Clark Howard
Fair warning – when is a sale really a sale? Another retailer busted for lying
Harbor Freight Tools may owe you money! How to claim your refund | Clark Howard
Google Maps Tracking – A free service to enhance your family’s security
New proposal allows nursing homes to force residents to give up legal rights
Used cars are a screaming deal — but here’s the real sweet spot in the market | Clark Howard

On the Calls:
Temporarily thaw frozen credit to shop insurance. That process causes only a soft credit inquiry
Credit freeze and thaw guide | Clark Howard
The key to preventing tax return identity theft is… | Clark Howard
Seniors & Retirees | Clark Howard
Beware ‘fee-harvester’ bank cards – High-Fee, Low-Credit Charge Cards Prey Upon the Poor
REBUILD CREDIT Search | Clark Howard
Clark.com – AVOID STUDENT LOAN DEBT
Work From Home Guide: A list of legitimate, work-at-home job opportunities | Clark Howard
Clark.com-Avoid big fees using your phone overseas
Cruise app for calling?  DON’T.  On a cruise ship, make sure phone is in airplane mode.
WiFi available in ports. Use texting apps or a service like Skype to make calls for free
Roth IRA – 6 Benefits You Should Know About | Bankrate.com

5 great reasons not to borrow from your 401(k) | Clark Howard
Your guide to paying off credit card debt | Clark Howard
15-year vs. 30-year mortgage: Which loan is best for you? | Clark Howard
Why you need 2-factor authentication on every online account | Clark Howard
How to invest using peer-to-peer lending | Clark Howard

Monday July 3  ( Replay 5-26 /  6-5 )
Fast approaching transportation transformations
A new law protects one industry, while Clarkrageously harming another 
Affordable home security systems – DIY & no contract
King Coal Dethroned – It ain’t political. It’s the economy
Dare to be rich opportunities – How to tell what’s legit, and when to run the other way. Herbalife update.

On the Calls:
Debt Payoff Calculator: How to eliminate credit card debt as quickly as possible | Clark Howard
Mortgage refinance guide | Clark Howard
How to shop for a home security system | Clark Howard
How to prevent credit card fraud from happening to you | Clark Howard
4 Ways To Opt Out of Junk Mail | Clark Howard
1 888-5OPTOUT  –    OptOutPrescreen.com
Clark.com-Identity Theft Guide
Roth IRA – Clark.com – INVESTMENT GUIDE
Travel | Clark Howard
Should You Sign Your Credit Card? | Credit.com
Credit freeze and thaw guide | Clark Howard

Clark.com – New way to get money back on your medical bills
Clark.com – REMEDY: Help for medical bills
Clark.com – Your Guide to Medical Breaches
An insurer is offering child credit freeze services. Yes – Recommended
NFL Sunday Ticket 
Clark.com – These are the most & least expensive places to rent a car 
USAA ​Eligibility​
Work From Home Guide: A list of legitimate, work-at-home job opportunities | Clark Howard

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