Christopher Smith is a writer who covers investing, banking, insurance, and making extra money. He joined Clark.com in 2020. He has more than 14 years of writing experience. Christopher has always been interested in personal finance. When he was in elementary school, he would read the Sports and Money section of the newspaper at the breakfast table every morning, tracking the prices of his favorite stocks. He joined the investment club at school and even chose to make his fourth-grade presentation about the stock market. When he’s not working, he spends most of his time with his wife, a first-generation Colombian immigrant and a Physician Assistant. He also likes college football, NFTs, rock climbing and good restaurants. You can reach Christopher at [email protected].

More posts by Christopher Smith

Schwab Intelligent Portfolios Premium offers a hybrid financial advisor option that Clark Howard recommends.
Schwab Intelligent Portfolios Premium Review Investing & Retirement April 7th, 2023
Schwab Intelligent Portfolios Premium provides a way to invest your money and get inexpensive access to a team of financial…
Fidelity Personalized Planning and Advice offers financial planning and coaching as well as robo-investing.
Fidelity Personalized Planning & Advice Review Investing & Retirement April 6th, 2023
Fidelity Personalized Planning and Advice offers robo-investing plus unlimited financial planning and coaching. In this article, I'll explain why money…
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I Mailed My Credit Card Payment and They Processed It Late. Will This Hurt My Credit for Years? Credit Cards April 6th, 2023
If you still mail payments for monthly bills, the processing times on the other side can impact when your payment…
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Is Southwest Airlines’ Early Bird Check-In Worth It? Travel April 5th, 2023
Southwest Airlines is unique in that it doesn't offer assigned seating. Its first-come, first-served system is based on how early…
Clark.com's Acorns review will explain how the micro-investment platform works and examine its fees.
Acorns Review: How It Works, Pros & Cons Investing & Retirement April 5th, 2023
If you're looking for companies to help you invest your money, one big player is the Acorns platform. In this…
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Why Are Insurance Premiums Skyrocketing Across the Board? Insurance April 4th, 2023
The price of eggs, up 70%, is the latest headline-catching price increase during this period of high inflation. But, more…
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How Do I Decide Whether To Raise Rent on My Tenants? Homes & Real Estate April 3rd, 2023
Money is at the forefront of our minds more often than normal as Americans. Inflation, down from its peak, still…
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My Parents Are Divorcing and My Dad Wants Me To Buy Half of Their House. Should I Do It? Homes & Real Estate March 31st, 2023
Mixing family and business can be challenging even in the best of circumstances. How about doing it with your aging…
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Should I Pay My Tax Bill With an Introductory 0% APR Credit Card? Taxes March 30th, 2023
The IRS requires you to file your 2023 income tax return, or request an extension, by April 18. If you're…
How much money do you need in an emergency fund, and where should you put your emergency fund? Money expert Clark Howard explains his point of view.
Emergency Fund: Everything You Need to Know Save Money March 29th, 2023
You may know what an emergency fund is, but are you sure about where to put it, how much to…
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I Want To Buy a House but the Prices and Mortgage Rates Are Expensive. Should I Stay Patient? Homes & Real Estate March 29th, 2023
The housing market has been challenging for people in the market since the tail end of 2021. Prices skyrocketed late…
Managing your own investments well is very challenging, but it's possible for some people.
Should You Manage Your Own Investment Portfolio? Investing & Retirement March 28th, 2023
Thanks to the internet, managing your own investment portfolio has become more accessible than ever in the last decade. In…
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When Do You Tell a Car Dealership You’re Paying Cash? Cars March 27th, 2023
Paying cash for a new or used vehicle at a dealership? Chances are you've heard this common advice: Don't tell…
Once you decide to roll over your 401(k), it's important to understand how to roll over a 401(k).
401(k) Rollover: How To Roll Over a 401(k) Investing & Retirement March 23rd, 2023
If you've decided to move the funds from your retirement account at your former company, you need to understand how…
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How Can I Get Rid of My Old Mattress Cheaply? Shopping & Retail March 22nd, 2023
Mattresses don't last forever. When you're ready to get rid of your old mattress, you may need to hire someone…
Citi Bank is offering a $2,000 bonus to new Citi checking account members.
Can You Really Get a $2,000 Bonus for Opening a Citibank Account? Banks & Banking March 22nd, 2023
Citibank is offering a bonus of up to $2,000 to new customers who open a checking account. That sounds great.…
Clark.com offers advice on who should use a robo-advisor for their investment needs.
Who Should Use a Robo-Advisor? Investing & Retirement March 21st, 2023
Robots are slowly invading society, but at least so far, the relationship isn’t adversarial like you see in the movies.…
An ETF, or exchange-traded fund, is an investment similar to a mutual fund but trades like a stock.
What Is an ETF? Investing & Retirement March 21st, 2023
An ETF, or exchange-traded fund, is a type of investment that you buy and sell through a stock exchange or…
IRA vs. 401(k): Both of the major retirement plan tools have strengths and weaknesses, but money expert Clark Howard holds a clear opinion.
IRA vs. 401(k): Which Is Better? Investing & Retirement March 21st, 2023
If you're contributing to a retirement account in the United States, you've probably debated an IRA vs. 401(k). The good…
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Should You Allow Your Auto Insurance To Monitor Your Driving? Car Insurance March 21st, 2023
Americans have become more privacy-conscious this century with the maturity of the digital age. There are practical reasons for that…
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Should I Turn To Costco for a Home Renovation Project? Homes & Real Estate March 20th, 2023
Costco sells all sorts of unexpected items beyond bulk groceries. That includes engagement rings, vacations, furniture, caskets and swimming pools.…
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Are Credit Union Deposits Insured Up To $250,000? Banks & Banking March 17th, 2023
Silicon Valley Bank, one of the 20 largest banks in the United States, collapsed out of nowhere earlier this month.…
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Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Banks & Banking March 16th, 2023
The Silicon Valley Bank meltdown at the end of last week caused a temporary massive panic about the security of…
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How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? Health March 14th, 2023
Paying a fair price for healthcare, including prescription medications, often seems needlessly difficult. Sometimes the differences in cost are so…
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Is Your Money Safe at Your Bank Right Now? Online Banking March 13th, 2023
Last week, Silicon Valley Bank became the second of three notable banks to collapse in short order. It took about…
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Should You Make Your Child an Authorized User on Your Credit Card? Credit Cards March 13th, 2023
The financial transition from childhood to adulthood can be rough. In addition to gaining responsibilities that you've never held and…
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What Is the Largest Homeowners Insurance Deductible That Clark Recommends? Homeowners Insurance March 10th, 2023
Raising your homeowners insurance deductible in order to save money may sound counterintuitive. But it's a common strategy to lower…
Clark Howard names the best 529 savings plans by state.
Best 529 College Savings Plans By State Investing & Retirement March 10th, 2023
A 529 savings plan gives you a tax-free way to invest in your child's education. But what are the best…
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Is Booking a Cruise Last-Minute Still a Good Bargain Strategy? Travel March 8th, 2023
Cruises are a gold standard for people who love traveling the world at relatively affordable prices. If you can find…
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Will the United States Default on Its Debt Obligations? Money & Credit March 7th, 2023
The United States debt ceiling has become a popular, and controversial, topic in the media recently. According to CNN, "the…