Clark Show Notes

The Latest from Clark Howard

IRS Free File | Internal Revenue Service
Get My Payment | Internal Revenue Service

Money Challenge: How to Save $2,021 in 2021 – Clark Howard
15 Financial New Year’s Resolutions for 2021 – Clark Howard

CORONAVIRUS and Your Money: Answers and Resources
Coronavirus Scams: How to Protect Yourself – Clark Howard
COVID-19  /  CORONAVIRUS Check your risk for Covid-19
CDC form to avoid eviction for apartment renters  
/  Hello Landlord – by SixFifty
Federal Register Notice: Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 | CDC
Get 2020 health coverage. Health Insurance Marketplace| HealthCare.gov
The MarketWatch Real Estate Tool: Where’s the best place for me to retire?

Clark Deals – Today’s Best Deals of the Day
Podcasts | Clark Howard /  Ask Clark Howard Your Money Questions Here

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

TIPS:
1/27 – 
Best Online Banks: Free Checking and High-Interest Savings Accounts – Clark Howard
1/27 – IRS Free File | Internal Revenue Service
1/26 – U.S. News Reveals the 2020 Best Jobs | Press Room | US News
1/25 – Unemployment Fraud Information | Georgia Department of Labor
Ask Clark: A Scammer Filed a Fraudulent Unemployment Claim in My Name. How Can I Protect Myself? – Clark Howard
1/14 – KardiaMobile | AliveCor
1/15 – Paycheck Protection Program
1/15 – Streaming TV Archives – Clark Howard

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SAVE MORE SPEND LESS \ How to Start Saving When Money is Tight – Clark Howard
-How to Save Money: 35 Ways to Reduce Expenses – Clark Howard
-Practically Painless Ways to Spend Less Right Now – Consumer Reports
Yotta Saving – Start Saving. Start Winning
The Free and Cheap List | Clark Howard
35+ military discounts that are available year-round – Clark Howard

DEBT
Your rights when dealing with debt collectors – Clark Howard
Why your next text or DM may soon be from a debt collector
NFCC Nonprofit Free Credit and Debt Advice
CREDIT & BANKING
ClarkYourBank | Clark Howard
Credit Builder Card | Chime

STUDENT LOANS
Apply for Income-Driven Student Loan Repayment | Federal Student Aid
EDUCATION
Professional Certificate Training Programs – Grow with Google
529 plan guide: The best places to invest your education savings | Clark Howard

INVEST – RETIREMENT
How to open a Roth IRA – Clark Howard
Retirement saving in a savings account might derail your goals
How to Start Investing and Saving for Retirement – Clark Howard
Find a Good Vendor :: 403bwise
4 questions for teachers to ask about their 403(b) retirement plans – Clark Howard
Individual – Buying Series I Savings Bonds

How the SECURE Act Will Impact Retirement Savings
Early | Acorns

REAL ESTATE
How to buy a house in 9 steps – Clark Howard
Mortgage Refinance Calculator – Clark Howard
Mortgage Points Calculator – Clark Howard
How to detect water leaks in your home – The Washington Post


INSURANCE
How to Buy Term Life Insurance – Clark Howard

SERVICES

Streaming TV Archives – Clark Howard
Starlink-Get updates on Starlink news and service availability in your area
Best Cell Phone Plans and Deals for 2020 – Clark Howard
Cheaper internet is on the way – STARLINK Internet / Verizon 5G Home Internet | Verizon
T-Mobile ExpandsHomeInternet to MoreThan 130Additional Cities &Towns |T-MobileNewsroom
Storage changes for Google Photos – Google Photos Help
How to find a good moving company – Clark Howard

CARS
NHTSA’s SaferCar App | Recall Alerts and More
How to buy a used car  /  Most Reliable 3-Year-Old Cars and SUVs – Consumer Reports
How to Buy a Used Car in 7 Steps – Clark Howard

How to buy a new car in 5 steps | Clark Howard
6 Steps to Take After You’re in a Car Accident – Clark Howard
New report: The top 15 cars that people keep for 15 years or more – Clark Howard

RETAIL
Best Foam Mattresses for $500 or Less – Consumer Reports
How to Avoid Getting Ripped Off at Outlet Stores – The Krazy Coupon Lady

BUSINESS

How to build your own website / Simple step-by-step guide
DUMPLING: Personal grocery shoppers / Start your grocery delivery business today
Howto bring an old laptop back to life for free – Clark Howard

HEALTH
Supplemental Nutrition Assistance Program (SNAP) | USDA-FNS

Oura Ring: the most accurate sleep and activity tracker
National Center for Complementary and Integrative Health | NCCIH

PLANNING
Senior Planning | Clark Howard   —   Senior Care | Clark Howard
How to find a geriatric care manager | Clark Howard
Best Online Will Maker: 5 Free or Cheap Options – Clark Howard
Cake: Create a Free End of Life Plan
End of Life Planning | Funeral Planning Checklist – Lantern

COVID-19
Check your risk for COVID-19
Major Consumer Protections Announced in Response to COVID-19 |
NCLC Digital Library

Small Business Administration / Paycheck Protection Program / SBA – Disaster Loan Assistance
COVID-19   /    
CORONAVIRUS  
What to Do if You’ve Been Laid Off – Clark Howard
How Do I Apply for Unemployment? – Clark Howard
Coronavirus: Follow These 3 Steps to Prepare Now for a Recession – Clark Howard
Coronavirus & Your Finances: What to Know and Do – Clark Howard
Coronavirus Update – Google

PRIVACY – SECURITY
How to Freeze Your Credit With Experian, Equifax and TransUnion – Clark Howard
How to put a credit freeze in place for your child | Clark Howard
ID Theft Resource Center 888-400-5530
How to add a PIN to your smartphone account to prevent SIM hijacking | Clark Howard
Google introducing new privacy measures – Clark Howard
Clark.com/How to hear and delete everything your Amazon Alexa has recorded

How to make your Venmo transactions private – Clark Howard
Life360 – The New Family Circle

Mentioned on the Clark Howard Podcast:
-We’re here –  Clark.com/Ask

Monday January 25
Carmax and buying a used vehicle
-CarMax Media Center – CarMax Launches New Signature Experience – Industry-Leading “Love Your Car Guarantee”
Lemonade Insurance Review: 7 Things to Know Before Getting a Quote – Clark Howard
Regulators Are Fed Up With Food-Delivery Fees – WSJ


Friday January 22
Clark answers his critics on Clark Stinks
How to avoid losing unused money in flexible spending accounts

Thursday January 21
When Are Taxes Due? Important Tax Dates in 2021 – Clark Howard
-IRS Free File | Internal Revenue Service
-Tax Season Is Coming, and It Could Be Messy – WSJ
Clark gets his vaccine!
Coronavirus vaccine incentive: Aldi, Trader Joe’s, Instacart and Dollar General to pay workers to get vaccinated

Wednesday January 20
Your 401(k) Could Soon Offer Annuities for Lifetime Income | Barron’s
Streaming TV Archives – Clark Howard
AT&T Is Making Big Changes to Its Streaming TV Plans – Clark Howard
A New Service Seeks to Streamline Your Streaming – WSJ

Tuesday January 19
Amazon, Walmart Tell Consumers to Skip Returns of Unwanted Items – WSJ
Covid-19 Economy Boosts ‘Buy Now, Pay Later’ Installment Services – WSJ

Monday January 18
Free File: Do your Federal Taxes for Free | Internal Revenue Service
Help Getting the Earned Income Tax Credit – The New York Times
Best Online Banks: Free Checking and High-Interest Savings Accounts – Clark Howard
-Simple bank is closing: What it means for your money – Business Insider
-Walmart Creates Fintech Partnership With Ribbit Capital – WSJ

Friday January 15
Some Public-Service Workers Can Miss Out on College-Loan Help – WSJ
Clark answers his critics on Clark Stinks

Thursday January 14
December Jobs Report: Recovery Goes Into Reverse – The New York Times
Work From Home Guide: A List of Legitimate Work-at-Home Jobs
Bitcoin prices plunge more than 20% in three days. It’s now in a bear market – CNN

Wednesday January 13
Robocalls – new procedures in place
Robocall Crackdown to Be Policed With U.S. Phone Company Help – Bloomberg
Appliance Shortages
How to Get a Deal During an Appliance Shortage – Consumer Reports

Tuesday January 12
How to pay for college the Clark Smart way: New FAFSA rules-
-FAFSA’s Expected Family Contribution Is Going Away. Good Riddance. – The New York Times
How parents forfeit their retirement borrowing for college – College Scorecard
A Parent Trap? New Data Offers More Dire View of College Debt – The New York Times

Monday January 11
Back to Basics – Saving on your monthly bills
Home delivery on groceries, meal delivery

Friday January 8
Clark answers his critics on Clark Stinks
Minimum WageThese 20 states will raise their minimum wage by January 1

Thursday January 7
Back to Basics – CARS
How to Buy a Used Car in 7 Steps – Clark Howard

Wednesday January 6
What to do about misdirected stimulus checks + extendend unemployment status
-COVID-19 relief deal: When will the $300 unemployment benefits start?
-Where Is My Second Stimulus Check? Why Payments Are Delayed for Some – The New York Times
-IRS Says You Can Now Check The Status Of Your Stimulus Check With Get My Payment Tool   /
Get My Payment | Internal Revenue Service
Here’s Why Car Thefts Are Soaring (Hint: Check Your Cup Holder) – The New York Times

Tuesday January 5
Back to Basics: Buying a Home

Don’t bite off more than you can pay for  – Mortgage Refinance Calculator – Clark Howard
Mortgage Points Calculator – Clark Howard
-U.S. House Prices Expected to Rise 5.7% More in 2021
-More Than Half of U.S. Homes Are Having Bidding Wars – Mansion Global

Monday January 4
Clark’s personal history – mission – and how to build new money habits.

Tiny Changes Can Help You Achieve Savings Goals for Retirement – WSJ


Friday January 1 – 2021

How to detect water leaks in your home – The Washington Post
Best Foam Mattresses for $500 or Less – Consumer Reports
10 Car Models with the Most Speeding Tickets (Updated 2020) – Insurify
Pandemic meal delivery has spurred virtual restaurants and ghost kitchens – The Washington Post

2021

Thursday December 31
Billboards that follow you? It’s not sci-fi. They’re here – Los Angeles Times
Avoid this text message scam about package deliveries – CNET
Clark’s 3 core principles
-Live on less than what you make through your entire life time – whenever possible.
Pay yourself first by saving for your future. That gives you power, control and freedom to make choices.
-Do what you love. This is NOT unattainable. Don’t be in a job you hate just for the paycheck.
-With the freedom you’ve established – as much as you can – Be of service to others.
This core principle leads to a better world and more joy for yourself as well.

Wednesday December 30
US rolls out free app for alerts on vehicle recalls
-Check for Recalls: Vehicle, Car Seat, Tire, Equipment | NHTSA  /   
-NHTSA’s SaferCar App | Recall Alerts and More

Dollar General, Dollar Tree Draw in Consumers Amid Economic Weakness – WSJ
Where Robocalls Hide: the House Next Door – WSJ
Don’t buy the pitch – Whole life insurance is NOT a smart way to fund retirement
How Whole Life Insurance Compares to a 401(k) Plan

Tuesday December 29
Coupon-Clipping Fades Into History as Covid-19 Accelerates Digital Shift – WSJ
These industries are the most complained about during the pandemic
Pandemic Robots: Hotel Robots Get Second Life as Industry Adapts to Covid-19 – WSJ
Americans Rush to Be Their Own Bosses as Covid Hits Job Market – Bloomberg  /  
Homepage | SCORE

Monday December 28
Financial Firms Fail to Own Up to Advisers’ Past Misdeeds – WSJ
-Investing & Retirement Archives – Clark Howard  /
-How to Start Investing and Saving for Retirement – Clark Howard
Lemonade CFO Promotes Do-Good Status, Path to Profitability to New Investors – WSJ
-Lemonade is Expanding Across the US! | Lemonade Blog   //          LEMONADE Faq
-Lemonade Insurance Review: 7 Things to Know Before Getting a Quote – Clark Howard
Airlines Do Away With International Change Fees – WSJ
-Airline Cards Lose Luster as Coronavirus Persists – WSJ
This 6-year-old racked up over $16K on his mom’s credit card

Friday December 25
Use it – don’t lose it: Your FSA
-How to Spend Your Leftover FSA Money – Consumer Reports
Covid-19 Makes FSA Contribution Decisions Trickier – WSJ
10 Ways to Save Money on Health Care – Clark Howard
There Are 5 Types of Retirement Savers, New Research Says. Which One Are You?
-Ask Clark: Is the 4% Retirement Rule Still Accurate? – Clark Howard
Dollar Stores Start Moving Upmarket – WSJ
Exercise 11 Minutes a Day for a Longer Life – The New York Times

Thursday December 24
NEVER answer a call you don’t recognize
Dish Network to Pay $210 Million to Settle Telemarketing Suit – WSJ
Pandemic triggers migration to sunbelt cities
-Covid-19, Remote Work Make Austin a Magnet for New Jobs – WSJ
Which driving and delivery apps pay best? – Los Angeles Times
Gridwise – The #1 Assistant for Rideshare and Delivery Drivers
Low cost investing and ETFs – Exchange Traded Funds vs. Mutual Funds
-Mutual Funds Bleed $469 Billion as ETFs Triumph in Zero-Sum 2020 – Bloomberg
-How to Start Investing and Saving for Retirement – Clark Howard

Wednesday December 23
How to buy a used car  /  Most Reliable 3-Year-Old Cars and SUVs – Consumer Reports
-How to Buy a Used Car in 7 Steps – Clark Howard
Gift card guidanceThis year choose cash instead
Ask Clark: Should We Buy Gift Cards This Holiday Season? – Clark Howard
-Restaurant Stocks Have Less Under the Tree This Year – WSJ
Disney+ Announces Price Increase for Streaming Customers in 2021 – Clark Howard
As prices rise – Clark Smart Streaming  – Streaming TV Archives – Clark Howard
Can’t sell your timeshare? Rent it out
KOALA | Vacation Rentals Direct From Timeshare Owners

Tuesday December 22
Retirement saving in a savings account might derail your goals
-How to Start Investing and Saving for Retirement – Clark Howard
Worldwide, vehicle fleets are going electric and autonomous sooner than we realize
-GM’s Factory ZERO in Detroit will be unlike any other in the country
Parents often clueless about their children using tobacco products —especially e-cigarettes -TheWashingtonPost
Most Americans Object to Government Tracking Their Activities Through Cellphones -WSJMonday

Monday December 21
Tax refund: IRS still sitting on 1M unprocessed physical tax returns
Travel Insurance During Coronavirus Pandemic: What To Know – The New York Times
-Hawaii wants to you to work remotely — and will pay your airfare to do it
-Delta to help CDC with COVID-19 contact tracing
Navigating December holiday shopping to SAVE MORE
Black Friday Was a Bust for Many Stores, Better for Online – WSJ
Black Friday traffic in stores craters 52% during pandemic
Moved During Covid? A Third of Bosses Say They’ll Cut Your Pay – Bloomberg

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Friday December 18 – 2020 – Clark’s Final Syndicated Radio Broadcast
Fuel and energy in transition
-Exxon Promises to Cut Greenhouse-Gas Emissions, End Flaring by 2030 – WSJ
Clark answers his critics on Clark Stinks
Clark’s 3 core principles: 1. Live on less than what you make
2. Do what you love.
3. With the freedom you’ve established – as much as you can – Be of service to others.
Clark says Goodbye and thank you to radio syndication. Join the Clark.com Podcast. XO

Thursday December 17
Which driving and delivery apps pay best? – Los Angeles Times
Gridwise – The #1 Assistant for Rideshare and Delivery Drivers
Low cost investing and ETFs – Exchange Traded Funds vs. Mutual Funds
-Mutual Funds Bleed $469 Billion as ETFs Triumph in Zero-Sum 2020 – Bloomberg
-How to Start Investing and Saving for Retirement – Clark Howard
Use it – don’t lose it: Your FSA
-How to Spend Your Leftover FSA Money – Consumer Reports
Covid-19 Makes FSA Contribution Decisions Trickier – WSJ
10 Ways to Save Money on Health Care – Clark Howard
There Are 5 Types of Retirement Savers, New Research Says. Which One Are You?
-Ask Clark: Is the 4% Retirement Rule Still Accurate? – Clark Howard

Wednesday December 16
Disney+ Announces Price Increase for Streaming Customers in 2021 – Clark Howard
As prices rise – Clark Smart Streaming  – Streaming TV Archives – Clark Howard
Can’t sell your timeshare? Rent it out
KOALA | Vacation Rentals Direct From Timeshare Owners
While waiting for the FDA to lower U.S. hearing aid prices:
HearUSA: 5 Things to Know Before Your First Visit – Clark Howard
Costco Hearing Aids: 5 Things to Know Before You Buy – Clark Howard
-Miracle-Ear Hearing Aids: 5 Things to Know Before You Buy – Clark Howard
-iHEAR Medical Hearing Aids: 5 Things to Know Before You Buy – Clark Howard
-Sam’s Club Hearing Aids: 5 Things to Know Before You Buy – Clark Howard
Best Used Cars and SUVs for Less Than $5,000 – Consumer Reports

Tuesday December 15
10 days until Christmas!  See Clark Deals – Today’s Best Deals of the Day
Here’s why it might be too late to order your holiday gifts online
New Target RedCard holders save $40 on a $40+ future purchase – Clark Deals
US orders emergency action after huge cyber security breach | Financial Times
How Much Cash Should You Keep at Home in Case of Emergency? – Clark Howard
31 items to pack in your financial emergency kit and bug-out bag – Clark Howard
Airlines Do Away With International Change Fees – WSJ
-Airline Cards Lose Luster as Coronavirus Persists – WSJ
This 6-year-old racked up over $16K on his mom’s credit card

Monday December 14
CNN- Tuesday deadline looms for Obamacare signups
More COVID-19 scams: Criminal networks expected to pitch fake vaccines
Dollar Stores Start Moving Upmarket – WSJ
Exercise 11 Minutes a Day for a Longer Life – The New York Times


Friday December 11

Clark Smart CREDIT CARDS:  
-Americans favor store credit cards. Why that’s not a good trend.

Clark answers his critics on Clark Stinks
NEVER answer a call you don’t recognize
Dish Network to Pay $210 Million to Settle Telemarketing Suit – WSJ
Pandemic triggers migration to sunbelt cities
-Covid-19, Remote Work Make Austin a Magnet for New Jobs – WSJ

Thursday December 10
Retirement saving in a savings account might derail your goals
-How to Start Investing and Saving for Retirement – Clark Howard
Worldwide, vehicle fleets are going electric and autonomous sooner than we realize
-GM’s Factory ZERO in Detroit will be unlike any other in the country
Corporate America takes on recycling –
One Answer to America’s Recycling Problems—Make Big Brands Pay – WSJ
HP Ends ‘Free Ink for Life’ Subscription Plan – Consumer Reports
-Where to Buy the Best Cheap Printer – Clark Howard

Wednesday December 9
Tax refund: IRS still sitting on 1M unprocessed physical tax returns
Travel Insurance During Coronavirus Pandemic: What To Know – The New York Times
-Hawaii wants to you to work remotely — and will pay your airfare to do it
-Delta to help CDC with COVID-19 contact tracing
Christmas tree sales are telling a holly, jolly economic story
Beware of ‘debt parking’ — a time bomb in your credit file – Los Angeles Times

Tuesday December 8
Clark’s advice for Christmas procrastinators

-Online sales pile up, but a logjam for shipping all that stuff is looming. – The New York Times
Clark’s recommendations for reorienting colleges
Hit by Covid-19, Colleges Do the Unthinkable and Cut Tenure – WSJ
How to buy a used car  /  Most Reliable 3-Year-Old Cars and SUVs – Consumer Reports
-How to Buy a Used Car in 7 Steps – Clark Howard
Gift card guidanceThis year choose cash instead
Ask Clark: Should We Buy Gift Cards This Holiday Season? – Clark Howard
-Restaurant Stocks Have Less Under the Tree This Year – WSJ

Monday December 7
SCAM ALERT: Beware pretext calls
-Amazon Prime scam tries to rob you of $800. Here’s what to know.
-Barrons – In a Pandemic Year, Online Seems to Own Holiday Shopping
UPDATES: Study your student loans
-How to Tell What Kind of Federal Student Loan You Have – WSJ
-Payment pause for student loan borrowers will be extended amid crisis
-COVID student loan stimulus: Freeze of payments, interest by DeVos
Parents often clueless about their children using tobacco products —especially e-cigarettes -TheWashingtonPost
Most Americans Object to Government Tracking Their Activities Through Cellphones -WSJ

Friday December 4
Consumer reports pans Tesla Models S and Y
Clark answers his critics on Clark Stinks
Navigating December holiday shopping to SAVE MORE
Black Friday Was a Bust for Many Stores, Better for Online – WSJ
Black Friday traffic in stores craters 52% during pandemic
Moved During Covid? A Third of Bosses Say They’ll Cut Your Pay – Bloomberg

Thursday December 3
Going Solar: My Year-Long Quest to Get Off the Grid | WIRED
Renting-to-own a home with Divvy: Make sure the home is in good condition
Divvy Homes Says Rent-to-Own Deals Work. Next Year Will Be a Test. – The New York Times
Thriving companies need to step up and reward loyalty 
Amazon’s $3,000 Signing Bonuses Irk Workers Who Got $10 Coupons – Bloomberg
Retailers Cut Back on Choices; ‘We Don’t Need Three Types of Red’ – WSJ

Wednesday December 2
Delta Air Lines extends middle seat blocks through March 30
State, Local Governments Slashed Spending After Covid. Next Year Could Be Worse. – WSJ
2021 is the game changer year for lower internet costs  –
-Comcast to enforce 1.2TB data cap in entire 39-state territory in early 2021 | Ars Technica

An Angel on the Shoulder of Your Teenage Driver (or at Least a Snitch) – The New York Times

Tuesday December 1
GIVING TUESDAY- Ask Clark: How Can I Make Sure That My Charitable Donations Are Being Used for Their Intended Purposes? – Clark Howard
COVID vaccine: News of a viable vaccine may already be lifting spending, economy
How to Tell If Clothing Was Made for a Factory Outlet
How to Avoid Getting Ripped Off at Outlet Stores – The Krazy Coupon Lady
Hardship is a great teacher for young savers
In Their 20s and Saving for Retirement: How It Started, How It’s Going – The New York Times