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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Buy now, pay later companies often offer Pay in 4 plans but can charge late fees, interest and can report late payments to credit bureaus.
Why ‘Buy Now, Pay Later’ Worries Clark Howard Money & Credit October 14, 2021
If you shop online, you've probably noticed the increasing presence of new options on the checkout pages of major retailers.…
MyPoints is a survey and rewards site operated by Prodege that pays you with gift cards.
MyPoints Review: Online Surveys, Shopping Rewards Make Money October 13, 2021
Do you like shopping with coupons and earning rewards? How about answering surveys for money? MyPoints, a rewards site that…
Klarna Review: How Does It Work?
Klarna Review: How Does It Work? Money & Credit October 12, 2021
Need to shop but want to spread out your payments? Want to sample a product you find online before deciding…
Pay in 4 is PayPal's version of buy now, pay later. I'll explain how Pay in 4 works and whether it's legit.
How PayPal’s Pay in 4 Installment Plan Works Money & Credit October 4, 2021
Online shopping and "buy now, pay later" are becoming more entrenched in American consumer culture. PayPal has moved to establish…
Clickworker review: Is Clickworker safe and legit, and how much money can you make with Clickworker?
Clickworker Review: How Much Money Can You Make? Make Money September 29, 2021
If you're trying to make money online, half the challenge is sifting through the virtual mountain of potential opportunities to…
Walmart no longer offers layaway as a payment option. Instead, it has partnered with installment loan company Affirm.
Walmart Ditches Layaway in Favor of Affirm Money & Credit September 28, 2021
Walmart will not offer layaway this year, ditching the popular interest-free payment plan in favor of Affirm. A prominent "buy…
Affirm's buy now, pay later service works with some of the nation's largest retailers.
Affirm Review: How Does It Work? Money & Credit September 27, 2021
Shopping online is more popular than ever; When COVID-19 hit the United States, millions of consumers turned to the internet…
Afterpay is a buy now, pay later service charges 0% interest.
How Does Afterpay Work? Money & Credit September 23, 2021
What if you could buy furniture, clothes or other household items by paying just 25% upfront? That's the basic premise…
Opinion Outpost Review: Is This Survey Site Legit?
Opinion Outpost Review: Is This Survey Site Legit? Make Money September 17, 2021
If you want to make money by answering surveys online, Opinion Outpost is an option that will most likely turn…
Lost retirement accounts are a real problem in the United States. Here's how to track down those accounts.
How To Find Missing or Lost Retirement Accounts Investing & Retirement September 9, 2021
Americans have reportedly lost or abandoned more than $1 trillion in retirement benefits from previous employers. Fortunately, if you've misplaced…
InboxDollars review
InboxDollars Review: How Much Money Can You Make? Make Money September 9, 2021
Do you dream about making money online at any time of the day while you relax by the pool or…
Honeygain review
Honeygain Review: Is This a Safe Option for Passive Income? Make Money September 1, 2021
Honeygain's slogan is "Passive Income -- Effortlessly." That's pretty catchy and could be quite the lure. But what is Honeygain…
Wells Fargo decided to allow current customers to maintain personal lines of credit one month after the bank announced that it was shuttering all personal lines of credit.
Wells Fargo To Maintain Some Lines of Credit After Criticism Banks & Banking August 19, 2021
Wells Fargo announced in July that it was shuttering all personal lines of credit. This week, CNBC reported that the…
Swagbucks review
Swagbucks Review: How Much Money Can You Make? Make Money August 19, 2021
If you're searching for ways to make money online, you've probably come across Swagbucks. The online rewards portal awards you…
Learn how to make money online as a teen as we explore the best online jobs for teens.
16 Ways To Make Money Online as a Teenager Make Money August 17, 2021
Thanks to a booming digital economy, online jobs for teens are plentiful. If you're a teenager who wants to learn…
The best passive income ideas still take work, time and money.
23 Best Passive Income Ideas To Build Wealth Investing & Retirement August 11, 2021
Passive income can help you achieve financial freedom and live the life of your dreams. Who doesn't want to get…
Cricket and Acorns have partnered to offer customers free investment money.
There’s a New Way To Invest Money: With Your Cell Phone Bill Budgeting & Saving August 9, 2021
There's a new corporate partnership that can help consumers get a boost in their efforts to save and invest. If…
Robinhood's stock price soared dramatically less than a week after the fintech company announced its IPO.
What’s Happening With Robinhood’s Stock? Investing & Retirement August 6, 2021
Robinhood's stock has sent investors and short-term traders into a frenzy less than one week after its IPO. Trading under…
Learn how to make quick money in one day with a list of ideas from Clark Howard.
Need Money: How To Make Quick Money in One Day Jobs August 3, 2021
Maybe you need money now, but your paycheck isn't hitting your bank account today. Or maybe you're just interested in…
The Dividend Aristocrats are some of the best dividend stocks because they've raised their dividend for at least 25 consecutive years.
Is Investing in Dividend Stocks a Good Strategy? Investing & Retirement July 28, 2021
Is building a dividend portfolio a good idea, and what are the best dividend stocks? In this article, I'll tell…
Clark Howard names the best 529 savings plans by state.
Best 529 College Savings Plans By State Investing & Retirement July 21, 2021
A 529 savings plan gives you a tax-free way to invest for your child's education. But what are the best…
Is it worth opening a high-interest savings account if you have to meet certain conditions?
High-Interest Savings Accounts With Conditions: Are They Worth It? Investing & Retirement July 21, 2021
We're in the midst of a long stretch of historically low interest rates. Getting much more than 0.50% APY in…
Compound interest can turn you into a millionaire with a little patience and persistance.
How To Turn $100 a Week Into $1 Million With Compound Interest Investing & Retirement July 15, 2021
Compound interest is one of the most exciting financial phenomena. Why? It's earning interest on interest! Get 10% in annual…
Lemonade Insurance review: How does it work, how much does it cost and more.
Lemonade Insurance Review: How It Works, Coverage Options Car Insurance July 14, 2021
Lemonade isn't just a sweet drink that's perfect for summer. It's also the name of a relatively new insurance company…
Money expert Clark Howard doesn't like investing in individual stocks.
Clark’s Take: Should You Invest in Stocks at All? Investing & Retirement July 12, 2021
Money expert Clark Howard isn't a fan of investing in individual stocks. Clark thinks putting an outsized percentage of your…
Wells Fargo just stopped offering a personal line of credit to any of its customers.
Wells Fargo Is Closing All Personal Lines of Credit Banks & Banking July 11, 2021
In a move that surely will make a negative impact on the credit score of some of its customers, Wells…
Use a compound interest calculator to figure out how much money you'll be able to make on your savings and investments.
How To Calculate Compound Interest Investing & Retirement July 9, 2021
Whoever came up with the phrase, "It takes money to make money," was probably a big fan of compound interest.…
ETF vs. mutual fund may seem trivial but comes with serious tax implications.
ETF vs. Mutual Fund: Which Investment Is Better? Investing & Retirement July 1, 2021
The difference between an ETF vs. a mutual fund may seem trivial, as both are available as part of professionally-managed…
Unusual temporary inflation usually isn't that bad for the economy, although retirees relying on social security can get hurt.
How Retirees Can Combat Inflation Investing & Retirement June 25, 2021
Inflation rose to 6.2% in October, the highest level that United States consumers have experienced since 1990. Since inflation erodes…
A mutual fund is a popular retirement investment type that can get you quick access to a diversified portfolio.
What Is a Mutual Fund? Investing & Retirement June 22, 2021
A mutual fund is an investment vehicle that gives you access to a diversified, professionally-managed portfolio. In this article, I'll…