Clark Show Notes

Friday August 17
Mircro libraries a  booming movement
Student loan debt is causing divorce. Clarksmart prevention
Warning: Using your 401k for a home downpayment
Clark answers his critics on ‘Clark Stinks’
​2 ways to prevent car theft

Thursday August 16
Utility scale solar: Power companies transition to affordable renewable energy
Neighbor calls police on young cookie entrepreneur – Clarkrageous
Clark’s take: Vanguard releases stock projections for the next decade
Pricing tricks target you through Christmas – When is a deal not really a deal at all? | Clark Howard
The silent expansion of  LEMONADE : A  homeowners/renters insurance company that works like a credit union

Access Clark’s podcast for caller topics as well:
Podcasts | Clark Howard

Wednesday August 15
Millennial study: More is spent on restuarants than saved for retirement
Auto draft danger zones: A Special warning about how you pay bills
Supermarket marketshare war – you’re the winner in a battle royale
GM wants to help you rent your car out like an Airbnb | Clark Howard
Online shopping: A simple one click to purchase can be a huge ripoff. A marketplace lesson

On the Calls:
Investment Guide | Clark Howard
How to shop for a home security system | Clark Howard
Your guide to DIY home security systems | Clark Howard
Clark Howard’s student loan guide | Clark Howard
SOLAR POWER search-ClarkHoward​

Fool.com/Mezzanine Debt: What It Is and How It Works — With Examples
The best 529 plans to help pay your kids’ education | Clark Howard
Free HR and Payroll Software for Small Businesses | Clark Howard
#1 HR Software | Human Capital Management (HCM) | Zenefits
IRS Releases 2018 FSA Contribution Limits and Other Benefits Information
Bankruptcy | Clark Howard
401k Plans And Payouts | Clark Howard
Target-date retirement funds perfect for ‘set it and forget it’ investing | Clark Howard
Looking to lower your funeral or cremation costs? Join a non-profit memorial society | Clark Howard
Plan for your funeral in advance to save big bucks | Clark Howard
Low-cost cremation services: 5 things to know | Clark Howard

Tuesday August 14
DNA breakthroughs will enhance preventive medicine
Our CFPB – now toothless, is enabling payday lending criminals
How ‘returnships’ are helping older people get back into the workforce-Clark.com​
Interest rates and your savings
Tempest in a gas tank: Why EPA proposed fuel standards are beside the point

On the Calls:
23 ways to cut costs and save more every month | Clark Howard
Best cell phone plans and deals right now | Clark Howard
How to handle money when you’re traveling overseas | Clark Howard
Troubles cancelling MoviePass thanks to a mobile app bug-BusinessInside
Investor Alert: Fidelity rolls out first ever no-fee index funds-ClarkHoward
How to add Bluetooth to an old car – CNET
Don’t drive distracted? Cheap $5 to $10 hands-ree options are available

The 5 best credit cards for travel | Clark Howard
Rewards credit cards: The pros and cons | Clark Howard
Chase Sapphire Reserve Credit Card | Chase.com
Credit Card Tune-Up​
Cash back vs. travel rewards: How to pick the right credit card-Clark.com ​
Records, paperwork and old files: What to keep and what to toss!-Clark.com​
7 ways to make your kids money-savvy for the future | Clark Howard
Vanguard Mutual Fund Profile | Vanguard
Index fund investing beats actively managed investing 90% of the time | Clark Howard
7 ways to start investing when you only have $100 or less | Clark Howard
The great debate between active and passive investing | Clark Howard
How to buy a used car in 2018 | Clark Howard
The best 529 plans to help pay your kids’ education | Clark Howard

Monday August 13
Housing market update: A new trend emerges – homebuyers on semi-strike
‘Vomit fraud’: Scam has some rideshare drivers falsifying damgae claims-Clark.com 
Warning: Rules governing oversight of military lending may be changing | Clark Howard
Spirit Airlines straightens up and flies right
The best money transfer apps

On the Calls:
Free Credit Score Guide: Understanding Your Score – Clark.com
How to get out of a bad car loan | Clark Howard
Online banking | 5 ways to make your online banking experience safer | Clark Howard
SOLAR POWER Search – Clark Howard
Using Cell Phones Overseas | Clark Howard
Cell Phones | 4G Phones | iPhone and Android Phones | T-Mobile
Clark’s take on Tesla’s controversial Autopilot feature | Clark Howard

Umbrella Insurance – Investopedia
Florida Prepaid College Plan | UF Office for Student Financial Affairs
The best 529 plans to help pay your kids’ education | Clark Howard
Car Rentals | Clark Howard
Warning: 8 ways to avoid car rental ripoffs | Clark Howard
Who needs the banks anyway? | Clark Howard
Blacklisted by ChexSystems? What to Know – NerdWallet
4 things to consider before canceling a credit card with an annual fee-Clark.com

Friday August 10
Clark smart guidance on being an executor
Beware big bank account freezes leaving you out in the cold
Ban cell phones at dinner
Clark answers his critics on ‘Clark Stinks’
Ride sharing can make traffic congestion worse

On the Calls:
Mortgages | Clark Howard
Bank of America’s new mortgage program requires down payment of only 3% | Clark Howard
Low Down Payment Mortgage – Affordable Loan Solution® from Bank of America
What you need to know about credit card, debit card ‘holds’ – CreditCards.com
Wi-Fi Hotspot Devices
The High Cost of Losing Your Keys
I Lost My Car Keys | Car Key Replacement Costs – Consumer Reports
Clark Howard’s student loan guide | Clark Howard
When You Should Take the Lump Sum Over the Pension | Clark Howard
Should you take the lump sum settlement or pension? | Clark Howard

Investment Guide-Clark.com
ABLE accounts: A tax-free way for disabled students to save for college-Clark.com
Benefits of a 401(k) for the Self-Employed
How to Choose Between a Roth or Traditional 401(k) | Investopedia
Keep these tips in mind when financing an automobile | Clark Howard
2 kinds of annuities that actually make sense for your wallet-Clark.com
2 ways to guarantee yourself a lifetime stream of income-Clark.com

Thursday August 9
Click & collect grocery shopping
Bad and fake brokers ripping off retirees
Your tax withholding may not be enough. How to make sure you won’t owe more than expected
–Why you may get a smaller tax refund next year & what to do about it | Clark Howard
Clark’s take on the problem of income inequality
Homeowner alert: How to get rid of PMI

On the Calls: 
How to buy a used car in 2018 | Clark Howard
GM wants to help you rent your car out like an Airbnb | Clark Howard
Home Equity Lines | Clark Howard
​Unreal Mobile: New ‘unlimited’ cell phone plan starts a t $10 a month-Clark.com
Email & Phishing | Clark Howard
Virus, Spyware and Malware Protection Guide | Clark Howard
Free Credit Score Guide – Clark.com
decluttr – Sell or Shop. Why wouldn’t you? 
The secret to making extra money with eBay | Clark Howard

2 ways to guarantee yourself a lifetime stream of income | Clark Howard
2 kinds of annuities that actually make sense for your wallet-Clark.com
Vanguard Managed Payout Fund | Vanguard
4 things to consider before canceling a credit card with an annual fee | Clark Howard
Umbrella insurance: can it replace an LLC?
Solar panel installation guide | Clark Howard
Why the Solar Tax Credit Extension is a Big Deal in 2018 | EnergySage
U.S. Bureau of Engraving and Printing – Redeem Mutilated Currency

Wednesday August 8
The mattress industry shake-out begins – Why you should buy this year
Expires today! JetBlue flights from $34 one-way (Delta matching some routes!) | Clark Deals
CVS MinuteClinic virtual visits: 5 things to know | Clark Howard
Is your home underinsured if disaster strikes? | Clark Howard
Elite income earners in the U.S. – The top 10% aren’t the top savers

On the Calls: 
WELLS FARGO Search | Clark Howard
Why investing with a bank is a big ripoff | Clark Howard
Investment Guide | Clark Howard
Clark’s secret to finding the cheapest flights possible | Clark Howard
New tool offers credit card perks without debit card dangers | Clark Howard
The ‘Clark Smart’ way to buy a new car | Clark Howard
Travel Booking & Planning Guide | Clark Howard
Hotel Booking Guide: Scoring Hotel Deals | Clark Howard
Find out what Priceline or Hotel you’re going to get before you book | Clark Howard
Free Apps Help You Save Money On Last-Minute Hotels | Clark Howard

Clark’s health savings account guide | Clark Howard
Health Insurance Guide | Clark Howard
Free credit freezes for kids are coming: Here’s what to expect | Clark Howard
Education | Clark Howard
What is the best mattress for your money? | Clark Howard
Social Networking | Clark Howard
5 Steps To Building a Freelance Career or Business | Clark Howard
Buying a Home | Clark Howard
A Simple Guide to Buying the House You Rent | Trusted Choice
How to avoid the #1 mistake that condo buyers make | Clark Howard
Find the best Real Estate lawyer near you – Avvo
WELLS FARGO Search | Clark Howard

Tuesday August 7
New, cheaper healthcare plans require eyes wide open
A guide to the best and worst veterans charities | Clark Howard
Attention shoppers: Price change in every aisle – P & G and Brandless
Warning: free standing clinics overprescribe antibiotics. A key question to ask
Check with your power company for money saving opportunities

On the Calls: 
Mortgage refinance guide | Clark Howard​
Clark Howard’s student loan guide | Clark Howard​
How to shop for a home security system | Clark Howard
Smart Security Camera – Facial Recognition | Ooma Butterfleye
Is foreign currency trading a hit or a miss? | Clark Howard
Work at Home & Telecommuting | Clark Howard
Work from home: Top 25 companies hiring for part-time jobs in 2018
Search engine DuckDuckGo  does not accept advertising. Search results are pure.
DuckDuckGo — Privacy, simplified.

Best ways to get a small business loan | Clark Howard
4 things for teachers to consider about their 403(b) retirement plans | Clark Howard
403(b)wise :: The Leading Source of 403(b) Information on the Web
Save Money on Merchant Processing Fees | Clark Howard
5 great reasons not to borrow from your 401(k) | Clark Howard
Homes & Real Estate | Clark Howard
Education | Clark Howard  –  Education Resources | Clark Howard
What to do if your credit card application gets rejected | Clark Howard
New card offering promises a no-fee way to build your credit | Clark Howard
Choose a better bank for you | A step-by-step guide to cheaper & easier banking | Clark Howard
The best banks are not banks at all… | Clark Howard

Monday August 6
Investor Alert: Fidelity rolls out first ever no-fee index funds | Clark Howard
The monopoly taketh away – A Clarkrageous pension recall
Take Clark’s $1000 subscription challenge
PassProtect: Browser extension lets you know if your password is safe | Clark Howard
2 alternatives to the worst rip-off of all time: Payday loans

On the Calls:
Is AMC’s new movie subscription service a better deal than MoviePass? | Clark Howard
Car Insurance | Clark Howard  –  These 15 vehicles are the cheapest to insure | Clark Howard
Choose a better bank for you | A step-by-step guide to cheaper & easier banking | Clark Howard
Online vs. traditional banks: How $5,000 can grow over 10 years | Clark Howard
Short selling basics | Investopedia
Costco car-buying program, explained – Business Insider
Costco Auto Program

Financing Education | Clark Howard
9 ways to pay for college without student loans | Clark Howard
The Pros and Cons of Owner Financing | Investopedia
craigslist | about | scams  -someone sight unseen wants to buy and send you a check, it’s going to be counterfeit.
Investment Guide | Clark Howard
Need a fiduciary to manage your money? Have them sign this document before you hire them-Clark.com
Best low-cost, robo-investment brokers | Clark Howard
It’s Raining Lawsuits: Do You Need An Umbrella Policy?
An Introduction To The Roth 401(k)
Best live TV streaming plans: YouTube TV vs. DirecTV Now vs. Sling TV | Clark Howard
Pluto TV Review: Team Clark tests the free live TV streaming service | Clark Howard

Friday August 3
Why lifesaving medical transport is murder on patient finances
Those jeans cost how much?! Clarkrageous
Internet manipulation means you need to dig deeper for prices and information
Clark answers his critics on ‘Clark Stinks’
Healthcare in early retirement

On the Calls:
Student credit card offers: Should you apply? | Clark Howard
Pet insurance: Is it worth it? | Clark Howard
Bitcoin: Bubble mania or legit investing opportunity? | Clark Howard
Here is Clark Howard’s bottom line on Bitcoin | Clark Howard
Digital currency is not an investment. It’s an alternative payment platform.
Why Clark Howard wants you to set up a ‘Financial Chromebook’ | Clark Howard
Only banking, billpay & brokerage – simple straight financial sites – NOT credit card sites, should be visited on your deditcated finacial laptop. Have a dedicated new Gmail address for use with the financial laptop or Chromebook only. Do NOT use that second email to have anything sent to you. Go directly to your bank’s website to sign in there.
Buy Lift Tickets in Advance and Save | Liftopia
How to book the best — and safest — Airbnb | Clark Howard
Take these important steps when renting an Airbnb | Clark Howard
t-mobile-one-plus  –   This new cell phone plan can replace your home internet service | Clark Howard
Discount Eyewear | Clark Howard
Best money transfer apps | Clark Howard

How to get out of a bad car loan | Clark Howard
Are you following Clark’s maximum auto loan length rule? | Clark Howard
What is rule of 78? definition and meaning – BusinessDictionary.com
What is sum of the digits method? definition and meaning – BusinessDictionary.com
What parents need for their college bound kids: Power of Attorney and Durable Power of Attorney for Healthcare to act in their interest legally and as their representative medically if necessary.
Living Will and Durable Power of Attorney FAQs | Clark Howard
The On-The-Way Delivery Service | Roadie
Blockchain investing is highly speculative at this time.
Team Clark Guarantee | Clark Howard – Ad disclosure
Business & Entrepreneurs | Clark Howard
Choose a better bank for you | A step-by-step guide to cheaper & easier banking | Clark Howard
Small business owners: Leverage online banks for greater profits | Clark Howard

Thursday August 2
Assistance finding a trusted babysitter
Student loan scam warning: A cautionary tale | Clark Howard
Abusive covenants not to compete have been a prison for workers. That’s changing
Beware the app pay disconnect
Hey parents, low or no college fund for your kids? No guilt!

On the Calls:
What to do if your credit card application gets rejected | Clark Howard
Secured credit cards: How they work, dangers to avoid & a better alternative | Clark Howard
New card offering promises a no-fee way to build your credit | Clark Howard
Online vs. traditional banks: How $5,000 can grow over 10 years | Clark Howard
Better banking experience | 5 online banks that offer lower fees, higher returns on savings & overall better service | Clark Howard
Banks & Banking | Clark Howard
How to Safely Sublet an Apartment Through Craigslist | Home Guides | SF Gate
Ask Clark: How safe is Mint.com? | Clark Howard
Why Clark Howard wants you to set up a ‘Financial Chromebook’ | Clark Howard

Jobs & Military | Clark Howard
Consumer Reports names best stored value card | Clark Howard
Bluebird named best banking alternative | Clark Howard
IRS Guidance Explains Rules for Vehicle Donations | Internal Revenue Service
You Finally Paid Off Your Mortgage. What Now? | Real Estate | US News
Betterment for Business: The Best 401(k) for Employers and Employees – Betterment
Buying a Home | Clark Howard
Fake Checks | Consumer Information
Don’t bank on that check | Consumer Information

Wednesday August 1 
AT&T WatchTV Review: The $15/month live TV streaming service | Clark Howard
Best live TV streaming plans: YouTube TV vs. DirecTV Now vs. Sling TV | Clark Howard
3 reasons not to cash out your 401k when changing jobs
AAA’s distracted driving study
Worst tippers – and the tipping debate
Should you take out a loan to pay for a vacation? | Clark Howard

On the Calls:
Ooma Premier Overview | Ooma Telo | Support
Cheap internet phone systems guide | Clark Howard
Nolo.com/Taxes When You Convert Your Rental Property to Your Personal Residence
Money and Marriage: How Couples Can Be Too Frugal | Clark Howard
How couples can get on the same page about money | Clark Howard
Roth IRA – Investment Guide | Clark Howard
The Promise of 5G: Access in Rural Areas, Faster Streaming on Mobile | Civic | US News
Is now the time for 5G wireless to disrupt the broadband status quo? – Telecom Tech News

Ask Clark: How safe is Mint.com? | Clark Howard
Mint.com review: 7 ways to get the most from the free budgeting tool | Clark Howard
Budgeting 101 | A step-by-step guide to taking control of your money | Clark Howard
Top 4 online budgeting tools to better manage your money | Clark Howard
Student loans 101 | Everything from how much to borrow to paying it off | Clark Howard
Paying back student loans | How refinancing can save you big bucks | Clark Howard
Public Service Loan Forgiveness | Federal Student Aid
The Private College 529 Plan: Is It Right for You? – NerdWallet
The best 529 plans to help pay your kids’ education | Clark Howard
What is the best mattress for your money? | Clark Howard
How to find a fee-only financial planner | Clark Howard
Know the right questions to ask of a fee-only financial advisor | Clark Howard
Clark’s take: These investment companies offer you the best bang for your buck | Clark Howard
Considering a fiduciary? They need to sign this before you hire them | Clark Howard
How to buy a used car in 2018 | Clark Howard
Easiest ways to buy or sell a used car | Clark Howard
Phishing | Common Phishing Scams
Pretexting And The Newest In Identity Theft Scams.html

Tuesday July 31
Seek and you shall find: Shopping the job market
See no evil – The vision industry seeks to limit your care options
Get your money’s worth:  Restaurant customer satisfaction ratings
AmazonBasics and the rise of store brands – a win-win
Have a complaint? Cut through bureaucracy for effective remedy

On the Calls: 
Topic No. 510 Business Use of Car | Internal Revenue Service
The average consumer spends 20% more using credit cards vs cash.
–Are you carrying enough cash? Here’s what Clark recommends | Clark Howard
–Budgeting with cash: How to make the envelope method work in 2018 | Clark Howard
–Cash vs. Credit Card: Which Should I Use? | DaveRamsey.com
Disability Insurance | Clark Howard
Washingtonpost.com/Amazon is helping entrepreneurs start delivery companies — as long as they deliver Amazon packages
Amazon DSP – Caution.
AskTRIM Search-Clark.com​
How to get the maximum Social Security check | Clark Howard
12 ways to get a bigger Social Security check in 2018 | Clark Howard

Car Insurance | Clark Howard
Cell phone fraud warning: How to avoid becoming a victim | Clark Howard
Who is SageStream and why is my score so low?! | Credit Karma
Report: Netflix, Amazon, movie studios file suit against Dragon Box streaming device | Clark Howard
Clark Howard’s student loan guide | Clark Howard
–Public Service Loan Forgiveness | Federal Student Aid
Clark’s health savings account guide | Clark Howard

Monday July 30
Apple’s app scheme faces litigation
Power grab: Monopoly power companies fueled by their grasp on your wallet
Ride sharing – the next level and the insurance problem
Student loan help and new benefits
New strategies are being employed to sell event tickets. What fans should know

On the Calls: 
What is the right to be forgotten and where did it come from? | Data | Techworld
How to buy a used car in 2018 | Clark Howard
–3 sites you need to visit before you buy a used car | Clark Howard
Hybrids & Alternative Cars | Clark Howard
Want to earn more on your savings? | Switch to an online bank! | Clark Howard
–Want to save more? | Here’s an easy way to earn 100x more money on your savings | Clark Howard
–How I use 4 bank accounts to save more money | Clark Howard
–Choose a better bank for you | A step-by-step guide to cheaper & easier banking | Clark Howard
How a 19 year old got a credit score of 820 | Clark Howard
–When to Add an Authorized User to Your Credit Card Account | NFCC
–What you should know about being an authorized user on a credit card | Credit Karma

Roth IRA – Investment Guide | Clark Howard
Better alternative to a private student loan | Clark Howard
Self Publishing Guide | Clark Howard
3 cheaper alternatives to cell phone insurance through your carrier | Clark Howard
Google Drive – Cloud Storage & File Backup for Photos, Docs & More
4 things to consider before canceling a credit card with an annual fee | Clark Howard
Should you close your credit card? | Clark Howard
Credit Card Tune-Up: Find credit card rewards for your expenses – 2018
The Points Guy – Maximize your travel.
10 Frequently Asked Questions Trees, Fences, and Neighbors