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]
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Should I Finance a Car at 1.5% or Pay Cash?
Should I Finance a Car at 1.5% or Pay Cash? Budgeting & Saving February 23, 2022
Should you pay for a vehicle in cash or take advantage of low-interest financing to invest your money and out-earn…
Why Are My Credit Scores Different?
Why Are My Credit Scores Different? Credit February 21, 2022
Your credit score can be different at each of the major credit burueas: Equifax, Experian and TransUnion. Though it defies…
Can a Company Send a Bill to Collections Even if I Successfully Disputed the Charge?
Can a Company Send a Bill to Collections Even if I Successfully Disputed the Charge? Debt February 15, 2022
Being able to dispute a charge is a key component of using a credit card. It's comforting to know that…
New IRS Online Security Process: Is It Safe?
New IRS Online Security Process: Is It Safe? Money & Credit February 7, 2022
If you want to access your Internal Revenue Service (IRS) account online, soon you'll have to verify your identity through…
What Are the Tax Consequences When You Get or Leave a Huge Tip?
What Are the Tax Consequences When You Get or Leave a Huge Tip? Money & Credit February 3, 2022
If you're a fan of human interest stories, you've probably seen articless about celebrities leaving an enormous tip. And if…
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year?
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Investing & Retirement January 31, 2022
Saving for your retirement through one of the tax-advantaged tools available in the United States offers you a major financial…
There’s Still Time To Contribute To Your IRA for 2021
There’s Still Time To Contribute To Your IRA for 2021 Investing & Retirement January 27, 2022
There's still time to contribute to your Individual Retirement Account (IRA) for 2021. The tax year ended on Dec. 31,…
Major Tax-Reporting Change for Users of Venmo, PayPal and Others
Major Tax-Reporting Change for Users of Venmo, PayPal and Others Money & Credit January 24, 2022
The Internal Revenue Service is cracking down on people who underreport earnings received through digital payment apps such as PayPal,…
Fidelity vs. Vanguard vs. Schwab is a popular choice for retail investors.
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Investing & Retirement January 21, 2022
Fidelity, Vanguard and Schwab are massively popular investment companies. Money expert Clark Howard recommends all three. If you’re deciding which…
In this Vanguard review, we'll explain why The Vanguard Group is excellent for passive investors and index funds.
Vanguard Review 2022: Pros & Cons Investing & Retirement January 21, 2022
Most Vanguard reviews focus on the firm's bread and butter: its low-cost index funds. The Vanguard Group is not a…
Best Investment Companies for Investors in 2022
Best Investment Companies for Investors in 2022 Investing & Retirement January 21, 2022
The best investment companies are good fits for almost every investor, whether you’re a beginner or you’re making exotic trades.…
When Should You Get an Accountant To Do Your Taxes?
When Should You Get an Accountant To Do Your Taxes? Money & Credit January 12, 2022
Now that 2021 is over, you may be starting to think about your tax return which is due on April…
6 Challenges To Consider if You Plan To Retire Before 65
6 Challenges To Consider if You Plan To Retire Before 65 Investing & Retirement January 11, 2022
Someone who listens to money expert Clark Howard's podcast recently asked a question about early retirement. Her husband, older than…
How To Turn $500 a Year Into $100,000 in Retirement
How To Turn $500 a Year Into $100,000 in Retirement Investing & Retirement January 7, 2022
Earning a giant pile of money is one way to prepare for retirement. But it's not realistic for everyone. Fortunately,…
Buying on margin can lead to financial ruin quickly, money expert Clark Howard says.
You Need To Avoid This Investment Mistake: It’s Dangerous! Investing & Retirement January 4, 2022
American investors owed nearly $1 trillion in margin debt at one point in 2021, leaving money expert Clark Howard shaking…
Your company 401(k) plan fees can make a big difference in how much sense it makes to participate in the plan beyond securing the company match.
Why You Need To Know Your Company 401(k) Fees Investing & Retirement January 3, 2022
Enrolling in a 401(k) plan is like getting hold of a cheat code for retirement: Not only is it tax-advantaged,…
The FSA spending rules may be different in 2021. Depending on your company, you may be able to roll over all your FSA funds into the new year.
Why You May Not Need To Spend Your Entire FSA This Year Health Insurance December 20, 2021
If you walk into a retail pharmacy chain, you may be convinced that you have to spend every dollar you…
Is There a Safe Way To Invest in Real Estate?
Is There a Safe Way To Invest in Real Estate? Homes & Real Estate December 15, 2021
You've decided to invest in real estate. Now what? Real estate has been a hot commodity of late, generating some…
The CARES Act allows you to deduct up to $600 for charitable giving on top of your standard deduction.
How To Get a 2021 Tax Deduction of Up to $600 Right Now Money & Credit December 13, 2021
Good news: You're probably eligible for hundreds of dollars in extra tax deductions if you donate to charity by the…
How To Avoid Negotiating When Buying a Car
How To Avoid Negotiating When Buying a Car Cars December 7, 2021
Walking onto the lot at a car dealership can be intimidating. A salesperson usually greets you -- sometimes pretty aggressively…
Capital One announced it will eliminate overdraft fees.
Capital One Eliminates Overdraft Fees Banks & Banking December 3, 2021
In a huge win for consumers, Capital One has decided to eliminate overdraft fees for all customers. According to CNBC,…
9 Easy Ways To Lower Your Home Insurance Premiums
9 Easy Ways To Lower Your Home Insurance Premiums Homeowners Insurance November 30, 2021
Inflation is a prominent discussion point in 2022, as some consumer goods have reached historically high price points. Lost in…
Are Women Better Investors Than Men?
Are Women Better Investors Than Men? Investing & Retirement November 23, 2021
Close your eyes and picture the person in your life you'd ask if you needed investment advice. If that person…
10 Year-End Strategies To Cut Your Tax Bill
10 Year-End Strategies To Cut Your Tax Bill Money & Credit November 22, 2021
Ben Franklin wrote, “… in this world nothing can be said to be certain, except death and taxes.” If you're…
Swimply allows you to rent your pool to other people for money.
Swimply Pool Rental Review: How It Works Make Money November 15, 2021
Perhaps you've paid to stay at someone's house or fetched a ride by using one of the modern sharing economy…
You can sell gift cards online
How To Sell Gift Cards Online for Cash Make Money November 11, 2021
Do you want to sell gift cards that you aren't using? Or are you hoping to buy a gift card…
The IRS increased the max 401(k) contribution for 2022 to $20,500.
IRS Announces 401(k) Contribution Limit Increase for 2022 Investing & Retirement November 5, 2021
The Internal Revenue Service has announced that individuals will be allowed to contribute up to $20,500 to their 401(k) plans…
Raise allows users to buy and sell gift cards at a discount.
Raise Review: Buy & Sell Gift Cards Make Money November 4, 2021
Do you want cash for gift cards you're not going to use? Or do you want a discount on a…
Buy and sell used gift cards with CardCash.
CardCash Review: How Big Are the Discounts? Make Money November 2, 2021
Do you have a stack of gift cards you received for a holiday or birthday but don't plan to use?…
Taking surveys for money can be a nice hobby, but the best online survey sites don't pay very much money.
Legit Online Surveys for Money: What I Earned Make Money October 19, 2021
Completing online surveys for money sounds like a decent idea. At least it did to me before I spent time…