The Clark Howard Podcast Podcast Image

The Clark Howard Podcast

A Business, Investing and Education podcast featuring Clark Howard
 1 person rated this podcast
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom.

Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark .

Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

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720 episodes

Recent Episodes

10.9.19 Low inflation creates job opportunities; Scam season is in full swing; How much allowance is good?
We have the lowest unemployment rate in years, while wages remain relatively static. Most aren't seeing meaningful pay raises. Certain sectors of the economy are seeing layoffs, job losses, and closures. Many corporate sectors predict a recession or believe they're already in one. For others, times are great. Manufacturing is suffering because of the trade wars, here and abroad. The greatest job growth is in education, healthcare, state, and local government and the hotel industry. College graduates are in demand. As for static wages - for the low to mid-income earners, in particular, better pay may be found by changing jobs. Get a better offer to negotiate with your current employer if you want to stay.  Until you have the confidence to shop what you're worth in the marketplace, employers won't pay more. Be your own advocate. Find better opportunities. You don't ask, you don't get. The NFL season is underway and scams follow. The season is about 1/3 over now. A variety of scams pop up every season, most around PCH - a legit, high-interest organization and popular target for scammers. The Fraud Watch Bulletin reports 2 versions big right now. One comes as a phone call pretending to be from PCH saying you've won and need to wire fee money. The other is a small fake check, requesting you wire money to receive the big check. Both bogus. PCH reminds all they never ask winners to send fees, taxes or other money to collect a prize. Pre-teens and teens pretty much spend whatever money they get. For school-age kids, money burns a hole in their pocket and vanishes. The American Institute of CPAs does an annual survey of allowance and finds the average kid in the U.S. now receives a weekly allowance of $30. That's doubled in just 3 years. Parents have lost their minds. Clark has recommended stepping up allowance yearly. The amount can match their age or grade and should be used to teach. The 3 jar system is a known method. Allowance is divided 3 ways: for spending, savings, and charity. Allowance should be in cash to teach the finiteness of money. And with an allowance comes responsibility. Parents give the money and should set ground rules about allocation - 3 jars or something similar. The savings can be for any specific goal chosen by the kid. Create a sense of purpose for money. If you just hand it out with no guidelines, they learn nothing and it disappears. Parents must teach the concept of spend and save.  Giving can be time or $  for charity. Learn more about your ad choices. Visit megaphone.fm/adchoices
10.8.19 Low investing fees go lower; AT&T sends early termination bill to deceased family; Too much politics
Follow-up: the financial industry continues its radical transformation. Technology has made it possible to invest at a lower cost. Last week Schwab announced no commission stock buying and selling. There are free and low-cost robo advisors and robo/human hybrids. Investing with high-cost companies could cause you to end up with 40% less money than investing the same amount with their low-cost rivals. Even Ally bank is offering a no-fee robo-advisory service. Vanguard will soon launch its low-cost Digital Advisor service too. AT&T – get your act together.  A long-time DirecTV customer passed away at age 102 and AT&T went after the relatives for the early termination fee in strong terms. Only after the story went public did AT&T waive the termination fee, but didn’t apologize until they received more bad press. Where’s the heart and humanity? How stupid.Roughly 1 in 4 American adults is extremely politically engaged. This past weekend, Ellen DeGeneres and George W. Bush enjoyed a football game together. As their pictures circulated, ugly reaction ensued, with some referring to Bush as the ‘enemy’.  After all the mean-spirited postings came an enlightened one which expressed that seeing Ellen and George Bush together restored their faith in America. When we lose sight of the fact that we’re all Americans in this together, we make our country weak. People we disagree with are still our fellow Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices
10.7.19 Google gives you more control over your data; Veterans wrongfully denied coverage; ATM fees
Current privacy concerns have Google in the spotlight. Google lives in fear the U.S. will finally pass privacy laws outlining restrictions and consumer rights, as exists in Europe. The Right to be Forgotten and to control online info in Europe puts them way ahead of the U.S. in the privacy realm. Google’s preemptive strike is a newly launched activity suite tool allowing users to better control their info and have their tracking data wiped automatically.  Sign into Google. Type in myactivitiy.google.com. There you’ll see everything Google has on you – massive. Then you have the right to have them wipe out everything 90 days old and older. You can choose 90 days to 1.5 years to let Google retain your activity info until they delete it. The Inspector General is like the cop inside a federal agency there to expose wrongdoing and enforce the law. The  VA Office of Inspector General found that 1 in 3 veterans who’ve sought emergency healthcare, are denied their medical claims by the VA, even when perfectly legitimate. Inexcusable and Unacceptable. The men and women who have served and put their lives on the line for American freedom deserve to have the promises made to them carried out.The average ATM charge in the U.S. is now $4.72. The cost to a bank is around .02cents. Beyond outrageous. Why do they do it? In the aftermath of the last decade’s banking scandals, the federal government bailed out the big banks and let small banks sit and spin. This led to a massive closure of smaller banks, and thus less competition. 4 big banks now have half of all banking market share. ATMs are disappearing around the country as people use less cash these days. Also, we now have an ever-expanding roster of online banks, offering lower costs and far better savings rates. The big banks pay essentially 0 on savings vs around 2% offered by online banks. And – credit unions have filled the void left by small local banks going away. Credit Unions provide much better deals than banks.Learn more about your ad choices. Visit megaphone.fm/adchoices
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Podcast Details
Started
Jan 1st, 1980
Latest Episode
Oct 9th, 2019
Release Period
Daily
No. of Episodes
734
Avg. Episode Length
About 1 hour
Explicit
No

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