Download Episode9.25.19 Open enrollment; Massive airline fees; Hot deals todayWe’re nearing open enrollment. If your employer offers the option of a lower payroll deduction for a high deductible health plan or higher pay deduction for a lower deductible plan – It’s usually best to pay the higher premium, especially if you have health issues. Due to backlash, more employers will offer the option to pay more for a lower out-of-pocket. High deductible plans can be HSA eligible – a tax-advantaged account for medical expenses. Many employees don’t fund their HSA – which allow medical payments with pre-taxed dollars. Then they’re hit with bills they must pay with after-tax dollars. Fund an HSA – it amounts to a 20 to 37% discount on medical bills – depending on your tax rate. It’s important to have disability insurance. You have a 3 times greater chance of becoming disabled than dying during your core working years. Social Security disability is an arduous, lengthy process and is often denied. Take what your employer provides for free and beyond that, buy your own policy.
Airline junk fees amount to $35B per year – this is true will all airline except Southwest. American, United and Delta advertise low fares, and the sell you up to fares way higher with all kinds of fees. United alone charges a huge fee for carry on now, taking that cue from the hard discounters. Before you buy, know what all the fees are and what you can handle.
Clark and Deals Producer Charis talk about a recent Clarkdeals.com survey and the best deals around the web today
Download Episode5.25.20 Walmart Express offers 2-hour delivery; Home prices are actually rising right nowWalmart just launched Walmart Express which promises 2-hour…Read more
Download Episode5.22.20 Restaurants incur higher expenses start surcharging customers; Clark StinksSome restaurants have come under fire for charging…Read more
Download Episode5.21.20 How the life insurance industry is changing; Where the hiring is actually happeningAt-home exams for life insurance are starting to…Read more
Download Episode5.20.20 Getting debt relief from financial institutions is hard right now; Second home communities will hurt for a whileThe phone lines could be tied up at…Read more
Download Episode5.19.20 Walmart earnings soar; Cyber insurance is more necessary now – and more costlyWalmart has been one of the biggest quarantine…Read more
Download Episode5.18.20 New mortgage forbearance rules; Stock market pivoting positive on vaccination progressNew mortgage forbearance rules are great for people…Read more
Download Episode5.15.20 Retail sales plummet 16% in April; Clark StinksRetail sales were even worse in April than…Read more
Download Episode5.14.20 New PPP loan guidance; Credit report protections in the CARES ActSome really helpful guidance on the PPP loans…Read more
Download Episode5.13.20 Grocery costs have soared; Watch out for Coronavirus misinformationClark talks about how consumer purchasing has changed...and…Read more
Download Episode5.12.20 New safety rules when traveling; Student loan forbearance affecting people’s creditAirlines and airports are instituting safety requirements if…Read more
Download Episode5.11.20 Manufacturing plants opening back up; Life insurance is harder to get right nowUnemployment has climbed and is worse than the…Read more
Download Episode5.8.20 What to do when mortgage forbearance is over; Clark Stinks; Bikes are selling like hot cakesPlanning ahead for how to handle the end…Read more
Download Episode5.7.20 Private student loan compact; Contact tracing improvements; Masks required at many businessesMillions of people are covered by a multi-state…Read more
Download Episode5.6.20 Meat shortage; Humana waiving copays; Travel reward cards are offering additional incentives.Costco and some grocery stores are limiting meat…Read more
Download Episode5.5.20 Spending habit changes during Covid; Age discrimination more prevalent; Americans saving money; Maintaining your car during quarantineSpending habits have changed during the coronavirus outbreak.…Read more
Download Episode5.4.20 Corporate liability shields; Airline stocks hammered; Micro businesses; Cash-out refi or 401k withdrawal?Employers fear liability from as they bring employees…Read more
Download Episode5.1.20 Clark’s quarantine life; People avoiding doctor offices; Truck drivers face big hurdles; Don’t take money from your 403bClark talks about what his life looks like…Read more
Download Episode4.30.20 What to do about Summer vacation; Private business safety rules; Market-timing Millennials; Air travel is on the riseShould you still go on Summer vacation? That's…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.29.20 Unemployment compensation is still not going well; New consumer spending data; Where to cash your stimulus check; CVS & Walgreens testing stationsFlorida is doing a terrible job getting unemployment…Read more
Download Episode4.28.20 Paper goods hit shelves + beef & pork shortage; Tech late-fee policies; Avoid getting cash from predatory lenders; Covid has accelerated economic changesBeef and pork prices are likely to rise…Read more
Download Episode4.28.20 Paper goods hit shelves + beef & pork shortage; Tech late-fee policies; Avoid getting cash from predatory lenders; Covid has accelerated economic changesBeef and pork prices are likely to rise…Read more
Download Episode4.28.20 Paper goods hit shelves + beef & pork shortage; Tech late-fee policies; Avoid getting cash from predatory lenders; Covid has accelerated economic changesBeef and pork prices are likely to rise…Read more
Download Episode4.28.20 Paper goods hit shelves + beef & pork shortage; Tech late-fee policies; Avoid getting cash from predatory lenders; Covid has accelerated economic changesBeef and pork prices are likely to rise…Read more
Download Episode4.27.20 Investing in gold; Ideal car buying window; Is the FIRE movement over?; What to do with your old 401kPeople are getting ripped off buying physical gold…Read more
Download Episode4.24.20 Unemployment payment mishaps; Google’s new ad policy; Credit card limits being cut; Banks approaching mortgage forbearance poorlySome of the states are handling unemployment claims…Read more
Download Episode4.23.20 SBA barring big companies from fresh PPP funds; Stimulus check hacking; Preparing your finances now; Mortgage forbearance requests have increasedThe SBA has issued a press release clarifying…Read more
Download Episode4.22.20 Small business loan funding set to increase; Free weekly credit reports; Increased poisoning from cleaning agents; Google searches have dramatically changedCongress is on the verge of passing a…Read more
Download Episode4.21.20 What’s happening with the oil markets?; Economy re-opening; Dealerships won’t take leased cars back; Checking real-time story busynessOil prices are cratering. Clark talks about why…Read more
Download Episode4.20.20 More PPP small business money coming; Ticketmaster changes refund stance; Poor college grads; Pro-rated unemploymentPPP money ran out towards the end of…Read more
Download Episode4.17.20 Stay the course investing; You are not alone; Erratic economic predictions; Apple’s new cheaper phonePeople have not altered their approach to 401k…Read more
Download Episode4.16.20 PPP loan disastrous results; Germany’s soft reopening; How working from home impacts your taxes; Robot improvementsPPP and EIDL are complete failures. Clark talks…Read more
Download Episode4.15.20 The airlines are getting bailed out; Telemedicine; Customer no service is a regular occurrence right now; Free streaming optionsClark discusses the specifics of the airline bailout.…Read more
Download Episode4.14.20 Google & Apple working together on contact tracing; Grocery workers at higher risk; Car buying in Covid-19 era; Lending standards are tighteningGoogle & Apple are working together on a…Read more
Download Episode4.13.20 Allocating your stimulus money; Car insurance rebates; Ticketmaster/StubHub terrible refund policies; Investing in today’s marketStimulus checks are starting to hit bank accounts.…Read more
Download Episode4.10.20 Clark’s thoughts on getting people back to work; The PPP and EIDL rollouts are going poorly; Grocery store safety; Covid-19 scams aboundWhen will people be able to go back…Read more
Download Episode4.9.20 Unemployment number skyrocket + PPP update; Feds aiding mid-size businesses; Exercising from home; Improving your work from home abilitiesUnemployment numbers are up big today. Clark talks…Read more
Download Episode4.8.20 What to do if you can’t pay rent; SBA lending progress update; What is happening in the housing market; Private student loan forbearanceClark tells you how to handle a scenario…Read more
Download Episode4.7.20 Clark interviews SBA rep; Unemployment relief updates; Free mental health resources; Getting mortgage reliefClark interviews Ashley Bell from the SBA in…Read more
Download Episode4.6.20 PPP slow roll-out; Stimulus check updates; Companies helping people; Creating a will right nowThe PPP is off to a really slow…Read more
Download Episode4.3.20 Important Covid-19 economic updates; Sheltering in place works; Zoom privacy issues and alternatives; Robo AdvisorsClark talks about the important updates on how…Read more
Download Episode4.2.20 Stimulus check updates; Unemployment compensation problems; Fake Covid-19 remedies; Stores stepping up delivery abilitiesClarifications have been made about who will receive…Read more
Download Episode4.1.20 Paycheck Protection Program and SBA disaster relief; What happens if you can’t pay rent; Health insurers waive individual Covid-19 health costs; AirBnb helping hostsThe details of the PPP and EIDL programs…Read more
Download Episode3.31.20 Going to SBA.gov for small business relief money; Employees walking out on the job; Juggling your finances until stimulus money kicks in; Covid-19 scams proliferateSBA.gov is the place to apply for economic…Read more
Download Episode3.30.20 More unemployment details; Stock market volatility; Real ID implementation delayed; 401k disbursements part of stimulus billFunds will soon be flowing to the states…Read more
Download Episode3.27.20 Small business and non-profit stimulus relief; Getting travel refunds; Barren grocery store shelves will be filling soonSmall businesses and non-profits are seeing real financial…Read more
Download Episode3.26.20 Helicopter $ and unemployment compensation details; Student loan stimulus details; IRS filing updates; Taking care of those around youStimulus checks are coming. Clark details the Senate…Read more
Download Episode3.25.20 Specifics on relief bill; Talking to your credit card company; Healthcare exchanges reopening; Which companies are hiringClark discusses the stimulus bill deal that finally…Read more
Download Episode3.24.20 Senate relief bill implications; Automakers making ventilators; Handling student loans; Volunteer efforts will ramp upClark talks about the Senate relief bill that…Read more
Download Episode3.23.20 Which companies are hiring right now; Fed supporting markets; Beware work from home scams; Finding a work from home routineIn a tsunami of economic turmoil, Clark talks…Read more
Download Episode3.20.20 Places handling coronavirus threat well, quarantine leading to more economic difficulties; Mortgage market updateClark talks about how Taiwan is handling Covid…Read more
Download Episode3.19.20 Stock market volatility and your 401k; Government passes a Coronavirus relief billThe market is still experiencing a lot of…Read more
Download Episode3.18.20 Supply chain updates & human resiliency as Covid 19 spreads; How travel companies are responding to customersClark discusses how the grocery stores are doing…Read more
Download Episode3.17.20 Coronavirus causes recession, major job market dysfunction; How government relief is coming during economic upheavalClark continues to talk about the fallout from…Read more
Download Episode3.16.20 Coronavirus special: Clark’s stock market reaction, small business difficulties, and how to handle your personal financesThe stock market had a rough day. But…Read more
Download Episode3.13.20 Why savings bonds are GREAT!; Ikea dresser recallSavings bonds are great place to put money…Read more
Download Episode3.12.20 Historically low mortgage rates; Fifth Third bank in hot water; Officially in a bear marketMortgage rates have sunk to historic lows. But…Read more
Download Episode3.11.20 Coronavirus wide-ranging impacts; Travel cancellation policies changingAs the WHO has called coronavirus a pandemic,…Read more
Download Episode3.10.20 Hidden advisor fees; Hoarding in the wake of coronavirus; Keep your internet browsing privateIt's hard to know how your financial advisor…Read more
Download Episode3.9.20 Coronavirus market impact; Coronvirus scams proliferate; Avoid AT&T TVThe market is now past a 52 week…Read more
Download Episode3.6.20 Investing in real estate online; Clark StinksPitches to get into private real estate ventures…Read more
Download Episode3.5.20 How to shop for life insurance; Show some love to your 401kLife insurance agents are only there to pitch…Read more
Download Episode3.4.20 Home renovations that pay off; Buying used clothing and furnitureWe’re moving into the home renovation season. The…Read more
Download Episode3.3.20 Roth conversions post SECURE Act; Making your employees feel appreciatedThe SECURE act has brought changes to how…Read more
Download Episode3.2.20 Pharmacies exiting supermarkets; Cheapest cell phone plans for low usageThe pharmacy business is shifting and market share…Read more
Download Episode2.28.20 Don’t put your tax refund on a gift card; Clark StinksRecently Clark discussed how AT&T issues refunds on…Read more
Download Episode2.27.20 Apartments with no lease; MGM data breach; Saving on prescription drugsBeing stuck in an apartment lease when you…Read more
Download Episode2.26.20 Discount brokerage consolidation; Check scam hitting millennials; Beware bad car-buying adviceThe investment industry is going through consolidation that…Read more
Download Episode2.25.20 Personal preparation for economic slowdown; Wells Fargo settlement; Best value supermarketsThe coronavirus is spreading but know fatality rates…Read more
Download Episode2.24.20 Fraudulent tax returns; Get a Real ID; Coronavirus affect on marketsThe IRS has announced they’re going to send…Read more
Download Episode2.21.20 How to live longer and healthier; Clark StinksHarvard University researchers began a health study in…Read more
Download Episode2.20.20 Side hustles becoming more popular; Car dealerships faking income to sell cars; Extended warrantiesCalifornia has passed a law requiring gig employers…Read more
Download Episode2.19.20 Loaning money to friends; Outrageous hospital bills; Cancer rates decliningBankrate did a survey on outcomes from lending…Read more
Download Episode2.18.20 Reverse mortgages are disastrous; Fake high-interest bank accounts; Money-saving travel tipsReverse mortgages have been a caller topic for…Read more
Download Episode2.17.20 Becoming a boring investor; TV’s spying on us; What to do after a car accidentCarl Richards, "Sketch Guy" columnist for the NYTimes,…Read more