0:05

It's my pleasure to welcome you here to

0:07

the Clark Howard Show. Our mission is

0:09

to serve you with advice and

0:11

information that empowers you to make

0:14

better financial decisions in your life.

0:17

I can't get to all the questions posted,

0:20

but there may be a question that you've got to have

0:22

an answer to, and we've got the

0:24

place for you. It's our team

0:26

Clark Consumer Action Center that's been serving

0:28

you for free since 1993, answering

0:34

your questions one on one.

0:37

If you go

0:39

to clark.com/CAC, you'll

0:41

see the hours and how to

0:43

reach our team of eager beaver volunteers

0:46

and paid staff that are

0:48

there to help you with the questions

0:51

you have. I

0:53

want to talk today about the

0:56

subscription obsession that

0:58

has now taken grip of retailers

1:01

and what you need to know

1:03

about playing the subscription game.

1:07

Also, if

1:09

timeshares weren't already enough

1:12

of a problem for people, now

1:14

organized criminal gangs are

1:17

getting into scamming people with

1:20

their timeshares. Wait till you hear what's

1:22

going on. Briefly,

1:26

I mentioned a couple weeks ago

1:29

about how Target has

1:31

started their new membership program.

1:33

It's on sale for a

1:36

six-week period where you get

1:38

the Target membership. It's

1:40

called Circle Something. Circle

1:44

360 is the new $49 membership. Circle

1:48

360. Circle 360 is the new membership.

1:50

It's 49 till what date? May

1:53

18th. Thank you. Target

1:57

is a Johnny Come Lately to... the

2:00

membership thing but it's not just

2:02

the big retailers, it's

2:04

smaller retail chains as well are

2:08

trying to sell you memberships.

2:11

Target obviously has been

2:13

losing market share to

2:15

Amazon and to Walmart.

2:18

Walmart has been growing its

2:20

membership base at a really

2:22

rapid clip. Amazon is

2:24

kind of frustrated because their memberships have

2:26

stalled out which I don't think

2:28

is that bad because they have half

2:31

the American people almost are

2:33

members of the

2:35

Amazon Prime membership program

2:38

and Walmart is growing from a

2:40

much smaller base target starting at

2:42

a big fat zero then of

2:45

course you have the warehouse clubs

2:47

which in my book are a different kind of

2:50

idea with a membership fee

2:52

but there are people who get upset with me

2:54

about touting the

2:57

membership based clubs cost

2:59

go Sam's in the regional BJ's wholesale

3:01

club but now retailers

3:04

of various shapes and sizes are

3:07

coming up with their own membership programs.

3:09

What's it all about? When

3:11

people join one of these programs

3:14

they end up spending a meaningful

3:17

amount more money with that retailer.

3:20

Walmart has been reporting very

3:22

large gains in sales

3:25

year over year since they

3:28

started Walmart Plus. In

3:30

Walmart's case what happened is

3:33

they attracted a lot of people who

3:35

never shopped in Walmart who

3:38

were generally higher income had

3:41

more disposable income and

3:43

bought things that were higher profit

3:45

margin items for Walmart that

3:48

made it all work for Walmart doing the

3:50

delivery and that's where

3:52

Walmart took market share from

3:55

Target that it always had

3:57

a focus on higher income

3:59

share. shoppers than Walmart and

4:02

Walmart encroached on that so much, this

4:04

is a defensive move from Target. The

4:06

thing is, you pay all these memberships, are

4:09

they actually working for you? You

4:12

know, there's been this backlash on Amazon, which

4:15

is why their memberships have stalled out. People

4:18

are saying, okay, well, I'll

4:20

just do the minimum order to

4:22

get free shipping, which

4:25

is often $35 on

4:28

Amazon and not pay them $139 a year.

4:33

The difference that Walmart and

4:35

Target are bringing to the table is

4:38

both of them have designed their programs to

4:41

be quicker delivery than

4:44

what Amazon usually offers, and

4:47

the delivery in most cases is

4:49

free, and they're getting more

4:51

and more sophisticated at delivery. So it gives them

4:54

the physical stores and

4:57

gives them the delivery

4:59

ability. I will tell

5:01

you as a long-time member of

5:03

Walmart Plus and

5:06

also in our household, long-time Amazon

5:08

Prime members, that

5:10

the Amazon delivery is

5:13

more reliable than the Walmart

5:15

delivery. You never know

5:17

when you order from walmart.com. Is

5:20

the item going to come in an hour or is

5:22

it going to come in five or six days? There's

5:25

not the consistency that

5:27

you have with Amazon with

5:30

the two-day delivery, but

5:32

without doubt, the prices are,

5:34

in my experience, quite

5:37

a bit cheaper with Walmart

5:39

day in and day out than they

5:41

are with Amazon, with Amazon's own

5:43

merchandise, not Amazon Marketplace,

5:46

but with Amazon's own

5:48

merchandise versus Walmart's own

5:50

merchandise. And so think

5:53

about your own life with subscriptions,

5:55

memberships you sign up for. Are

5:58

You making them work for you? What's.

6:00

Your to my favorite retailer

6:02

costs. If. You're not

6:05

going to the Cosco. You're

6:07

wasting your money with the membership. The.

6:10

Same time. Sam's. Club.

6:13

Their. Premium membership is

6:15

superior. To. Cross Post

6:18

premium membership. Because.

6:20

The Sam's Club premium membership.

6:23

Comes with delivery on most items

6:25

for forty. Or.

6:28

Better. Deals when you shop and

6:30

person. That. You have

6:32

with the regular Sam's Club membership.

6:34

So. If you like Sam's

6:36

Club. And you're only going

6:39

to join one clapper, the other. And

6:41

you shop a lot warehouse cause.

6:44

You're. Going to find the Sam's Club membership.

6:47

The superior choice. To. The

6:49

Costco membership. There. I

6:52

said it's our dog who

6:54

are point signature. After

6:57

cause goes private label. But.

7:00

I got a call him as I see I'm

7:02

very gov already shown in New York has a

7:04

passed since job with. All the changes in

7:06

regards to student loan repayment and forgiveness. I

7:08

feel like I need an expert to help

7:11

me make the right decisions when repaying my

7:13

pant Pass loans from my two children. How

7:15

do I go about finding a reputable professional

7:17

in this field? I have a tax accountant,

7:20

but I don't think he's particularly knowledgeable in

7:22

this specific. Area. You. Become

7:24

your own expert. So let me tell

7:26

you what's going on. The. Parent

7:28

Plus loans were not made

7:31

part of the very generous.

7:33

Forgiveness. Programs that were

7:35

made available. For. A lot

7:38

of other federal student loans. But.

7:40

There is a loophole open.

7:43

Just til next year. Just Tell

7:45

Twenty Five. On.

7:48

Their parent plus loans that right

7:50

now is scheduled. To. Terminate.

7:53

Goi of next year. So

7:56

the way it works. Is

7:59

there's some paying for parent

8:01

plus loans? Called. Id

8:03

your. Income Driven

8:05

repayment plans are all these

8:07

initials with these student loans.

8:10

And it. Gives you

8:12

a favorable formula for pain

8:15

on them. And

8:17

then allows you eventually. To.

8:20

Have the loans. Forgiven.

8:23

Without calling it forgiveness. So

8:26

what I want you to do. You're not

8:28

going to find people out about. That

8:30

are knowledgeable on it. Go

8:33

To. The. Us Department

8:35

of Education website Edi. And

8:39

look for. The. I see

8:41

your point. In. Com.

8:44

O. Income driven

8:46

was a cold, icy or. His.

8:49

Income driven repayment should be. I

8:51

d are right. Ah.

8:54

Anyway, Go. There and

8:56

read the rules on it. For.

8:58

A Parent plus loan holders. And

9:01

you'll see how you have to

9:03

go through this conversion process with

9:06

your loans. Then. You go

9:08

on the income driven repayment plan.

9:11

And. Then. You. Will have

9:13

the payments are required to make

9:15

reduced. And they will

9:17

be a tap on number of years

9:19

you have to pay. So.

9:23

I it will be at first

9:25

confusing. And. Then pretty

9:27

clear so income contingent

9:29

repayment repayment plan. And.

9:32

Income Driven Repayment plan. So

9:35

it will come up with a fixed

9:37

monthly payment for you. On

9:39

the parent plus loans. For. The

9:41

next twelve years. And. Then

9:43

in total. The number of

9:46

years you have to pay, His.

9:48

Twenty five years. For.

9:51

The remainder to be forgiven, but the

9:53

reason that doesn't sound as bad as

9:55

it is. Is. that the

9:58

payments the you're required to me based

10:01

on your income are

10:03

usually much lower than

10:06

what the payments normally would be on a

10:09

Parent PLUS loan. So it's

10:11

not like plain and simple

10:14

like you could have in a

10:17

student loan but it

10:19

will get you a reduction in

10:21

the total indebtedness you ultimately face

10:24

for those Parent PLUS loans for your two

10:26

kids. Jody in Florida asks, is

10:28

it beneficial to pay a reduced settlement on

10:30

a credit card that's in

10:33

collections? Are there any tax

10:35

implications? So beneficial, it

10:38

is common that people negotiate when

10:40

a credit card debt has

10:42

gone into charge off that

10:44

people will be able to

10:46

successfully negotiate a reduced

10:48

amount because usually

10:51

when somebody defaults on credit card debt

10:54

the bank involved

10:57

and or the collectors get little or

10:59

nothing. When you're willing to make a

11:01

deal to pay a

11:03

meaningful chunk of money they'll

11:05

often say okay but

11:08

you want that okay in writing

11:11

and you want to keep that written proof for

11:14

as long as you live because

11:16

it seems the banks and their

11:18

collectors get amnesia about these

11:20

deals. Now here's the bad

11:22

part, let's say just for

11:24

argument's sake I'm keeping the numbers

11:26

simple and round you owe a

11:29

thousand dollars you reach a deal to pay

11:31

200 and that represents

11:33

payment in full. So

11:35

you'll pay the 200 remember it's got to be

11:37

in writing then you're likely going

11:39

to get a 1099 from the bank involved

11:44

for the $800 they

11:46

forgave. So based on

11:48

your tax rate you don't

11:51

walk away from the full 800 but

11:54

you will pay tax on the 800. So

11:56

Whatever your tax rate is, you will owe

11:59

some. The amount of additional tax

12:01

it's still going to be. Substantially.

12:03

Less money than what you owed on the

12:06

credit card debt. Dancing. Fortas's

12:08

I just heard he used the

12:10

term dink on your cell and

12:12

would like to offer another. I

12:14

prefer Thinker to high incomes know

12:16

kids early retirement. Keep up the

12:19

excellent work for. For. The

12:21

for loyal and to I have no

12:23

kids. So.

12:26

Even if you have kids and we've

12:28

had the posts from people. Who.

12:30

Have children who have still managed to

12:32

save crazy amounts of money, And.

12:36

Have financial independence, Way.

12:38

Before normal retirement age. But

12:40

yes it is easier. For.

12:43

People who are dual income know

12:45

kids. And I like your

12:47

think there. Is a way

12:49

of taking control. Saving.

12:51

A maximum amount of money. Creating.

12:54

That freedom to do whatever you wanna

12:56

do. Often. In middle age.

12:59

Instead. Of much later in life. As

13:01

as. Absolutely. Wonderful!

13:04

Felt. Coming up with i talked about

13:07

some is not wonderful at all. The.

13:09

Way people get scrapped. And.

13:11

Timeshares, And. Then in

13:13

the trap. Gets. Caleb.

13:16

Evocative. leave his scamming people

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and all states and situations. With.

15:52

I first heard about with our route to share

15:55

with your last year I was like. Oh.

15:58

my god this is it really happened But

16:01

apparently, this is a real thing.

16:05

Mexican-based drug cartels

16:07

have decided they

16:10

can make more money scamming

16:13

timeshare owners than

16:15

they can make selling drugs. This

16:19

is absolutely stunning. U.S.

16:22

officials have told media

16:24

outlets that one of

16:27

the largest drug cartels in

16:30

the world now

16:32

operates multiple call

16:35

centers where they rip

16:37

off people who are in

16:39

timeshares. And they just do calling

16:42

all day long offering

16:45

to buy timeshares that

16:47

people have been trying to get rid

16:49

of. They may see them on

16:51

message boards. They may just be working

16:53

from lists. But they

16:55

contact you and say, yeah, we're going

16:57

to buy your timeshare for X number

16:59

of dollars. And one

17:01

of the common ways they take you

17:04

is they say, and we're going to

17:06

deposit the money in your account. And

17:08

they'll get from you your bank

17:10

account, account number, and routing numbers

17:13

for your bank. Do

17:15

you know what happens when somebody has the routing

17:18

number for a bank and then your account number?

17:21

The banking industry has no security on

17:23

that. Anybody can come

17:26

in who knows how to do it

17:29

with those numbers, and they

17:31

can empty your account. And

17:33

that's what the drug cartel is

17:36

doing over and over and over

17:38

again, is according to the New

17:40

York Times, one of

17:43

the cartel outfits has

17:45

stolen hundreds of millions of

17:48

dollars from unsuspecting

17:50

timeshare owners just

17:52

by doing this, by

17:54

going in, telling you a tall

17:56

tale that They've got the buyer

17:58

for your timeshare. Buy it. At

18:01

all they need is your account number.

18:03

To. Transfer the your money he

18:06

earned. For. Your thing and

18:08

instead. They. Steal all the

18:10

money, Also. The New York

18:13

Times at an angle I had

18:15

not heard of. The Cartel is

18:17

bribing employees. A timeshare

18:20

operations. To Kiev on

18:22

the contact information. For. People

18:24

who own those timeshares, And.

18:27

Then work those hot worse. of

18:29

contacts and then kind people.

18:32

They're. Stealing money so efficiently

18:35

every day. You. Just

18:37

gotta know. You just

18:40

gotta know. That. Nobody is

18:42

sitting out there with the time

18:44

you don't wanna have. Say.

18:47

Oh. Mad. We've.

18:49

Got the buyers admitted to pay you

18:51

top dollar for your time share. The.

18:54

Reality is both timeshares

18:56

have a negative value.

18:59

Negative. Value. Even

19:01

if you paid ten fifteen, twenty

19:03

thousand to by that time share.

19:06

It. Is an obligation not an

19:08

asset? And so anybody

19:10

who would take it off your

19:12

hands as a general rule, you're

19:14

gonna have to pay them. To.

19:16

Take it from you. You're. Not

19:19

gonna get paid. To. Sell

19:21

it. So. I have a

19:23

question from someone about this series and Florida

19:25

says I'm looking for a rapid your way

19:28

to get out of my time. Seretse fully

19:30

paid for. I'm just saying the maintenance fees

19:32

please help. Three, So every

19:34

what you said. Is. Why

19:36

The timeshare market is a defective

19:39

market? Because. For. Every.

19:42

One. Buyer: There's thousands of

19:44

sellers. It is a

19:46

faulty market because the time. The.

19:48

You have has no intrinsic

19:51

value, Is think about the

19:53

cost of it you know you have and forty

19:55

got condos all around you. So.

19:57

So my goes to buy a condo. They

19:59

by. that unit one time there's one

20:01

owner. On development

20:05

each unit has to be sold 50

20:08

times or 51 depending

20:10

on whether there's one maintenance week a year

20:12

or two. The cost

20:15

of marketing and selling and

20:17

commissions of selling one

20:20

unit 50 times over by the

20:22

time that's done it has a

20:24

negative value in the marketplace and

20:27

that's why once you bought that time

20:29

share you paid the money you paid

20:31

to buy it is for the

20:34

marketing sales and commissions.

20:36

There's no value of that week

20:39

so that's why it's so hard to sell. Go

20:42

on the website timeshare users

20:44

group and we have a

20:46

guide at clark.com that lists

20:48

their web address and other

20:51

potential ideas to unload

20:53

your time share but just know

20:56

you're not going to get any money for it

20:58

you may have to pay money to properly

21:00

and legally get somebody to take

21:02

over that week. And

21:04

that article is at clark.com/timeshare and we've got

21:06

how to sell it if you can how

21:08

to cancel it give your time share back

21:11

list your time share for a dollar give

21:13

it away or donate your time share to

21:15

charity. Sounds like a great deal. It is

21:18

a hard thing Teresa and if

21:21

somebody ever is intrigued to buy a

21:23

time share from a pitch at

21:26

a place and you think it would be great to

21:28

have it though you shouldn't have to pay

21:30

for it you should get paid

21:32

to take it so you find

21:34

somebody who bought it paid the big

21:36

money doesn't want it anymore and

21:39

if you can make that time share work

21:41

for you if you don't have to pay

21:43

for it go for it otherwise stay away.

21:46

Bo in Florida says we have booked

21:48

an eight-day stay at a resort in

21:51

Anuahu in early summer and are flying

21:53

from Jacksonville to Honolulu. There

21:55

are no non-stop flights and we are

21:57

looking at roughly 13-hour flight with a

22:00

Three kids, two teams and one preteen.

22:02

I hate flying and thought it might make

22:04

it a little easier if we break up

22:06

the flights by spending the night in Houston,

22:08

going to an Astros baseball game and then

22:10

continuing on to Hawaii the next day Their

22:12

way to book a stop with the airlines

22:14

I don't have to book to separate. Itineraries

22:17

I saw: you do want to

22:19

book two separate it's in or

22:21

bow and you want your stop

22:23

over not to be. In.

22:25

Houston. Even if

22:27

you love the Astros. You.

22:30

Don't want it Bears You want it on

22:32

the west coast. Away San

22:34

Francisco, San Diego. whatever the

22:37

reason, as. The. Price

22:39

competition to the Hawaiian islands.

22:41

From. The west coast is in

22:43

scouts. And the lately

22:45

have been as cheap as one

22:48

Seventy eight rounds for up. From.

22:50

West coast departure points to

22:52

the Hawaiian Islands. I mean

22:54

just crazy cheap fares from

22:56

Jacksonville to the West Coast

22:59

ferry. but there that combination

23:01

of the too. Soon.

23:03

To be much cheaper. Than.

23:05

Your fair from Jacksonville all the

23:08

way to Honolulu. As

23:10

one picket. So. The to

23:12

ticket thing is actually a big money

23:14

saver. Go. The west Coast take

23:16

your kids to something and California maybe

23:18

go to Disneyland? I don't know what

23:20

you'd want to do. City of Disney

23:22

World? Two. Hours from you

23:24

in Jacksonville. Dodgers the sky at

23:27

all Mariner S I The. Angels

23:29

in Los Angeles. Angels of it as a

23:32

lot of stuff you can do. You go.

23:34

See. The Hollywood Walk of Fame. Or

23:36

you do whatever you want to do.

23:39

And. What? get? Buying. Those

23:42

two tickets separately. Because.

23:44

It's gonna allow you to break in

23:46

the long flight and. Save. You

23:49

money? Okay, this came into

23:51

the carts, things and box. So it's from

23:53

answer but I don't know what states. car

23:55

keys things because he told us how to

23:57

be alerted to gray airfare deals and then

23:59

figure out a reason to visit that city

24:02

but you haven't provided the same guidance for

24:04

people who want to take road trips instead

24:06

of plane rides. Is there a kayak explore

24:08

equivalent for hotels? It seems that

24:10

most websites will only give us prices when

24:13

we search for certain places on certain dates.

24:15

But what if we can travel anytime, anywhere

24:17

and just want alerts for screaming hotel deals

24:20

that will motivate us to load up the

24:22

dogs in the car and go explore a

24:24

new city? There is no

24:26

equivalent, Andrew, because the hotel market

24:29

is so diffuse. But

24:31

no matter where you want to go stay, there

24:34

are deals in a hotel market.

24:37

There are deals based on the calendar. So

24:39

if you're thinking of hopping in a car

24:42

in cities that are big convention cities,

24:45

the hotel rates, both city and suburban,

24:47

are completely controlled

24:50

by the hotel market. Like

24:52

Atlanta, Chicago, Las Vegas are three

24:55

examples of that where

24:57

the convention business controls

24:59

the prices. It was funny because I read

25:01

a story recently where a

25:04

reporter specifically booked four

25:06

different levels of hotels when there was

25:08

no big convention in Vegas and

25:10

their cheapest room was $11 a

25:13

night and it was a nice hotel,

25:15

surprisingly. So you got the

25:17

calendar is your friend. And

25:19

so when you're thinking, hey, what if we went there, you

25:22

could go see different dates, what rates

25:24

are. So it does require some manual

25:27

work. The other thing with

25:29

any metro area, the outer

25:31

ring hotels are a

25:34

tiny fraction of the cost of inner

25:36

ring hotels. Think of all these

25:39

exits in a metro area where there

25:41

will be 10 or 12 different

25:44

hotels at the exit, you

25:47

know, 2.5 to 3.5 star

25:49

hotels that have almost always

25:52

free parking. When you

25:54

take a trip to a big metro area

25:56

and you stay close in, the

25:58

hotel rates are far hire and

26:01

you have to pay for parking and you

26:03

might have to pay a resort fee. So

26:07

outer ring counties in a major

26:09

metro area, that's always

26:12

my go-to to try to find

26:14

a deal when I'm traveling

26:16

somewhere. But yes, there's

26:19

an opening in the marketplace. If

26:21

somebody can come up with a tool that

26:24

gives you the ability to shop for

26:27

hotels and

26:29

see just where the best deals are in

26:32

America, nobody's decided that

26:34

that's an opportunity in

26:36

the marketplace. So maybe

26:38

Andrew, that's your opportunity

26:41

in the marketplace. And

26:43

I hope you have an absolutely wonderful

26:46

rest of your day. What we're

26:48

all about, that you learn ways to

26:50

save more, spend less,

26:53

and avoid getting ripped off. And

26:56

the question for you, why is

26:58

it save more is first because

27:01

it all starts with you from

27:03

every dollar you make, putting

27:06

aside a decent amount of it up

27:08

front so that then you live

27:10

on the rest. You can have

27:12

the best of intentions to save money, but

27:15

if you don't put that money aside up

27:17

front, human nature being what it

27:19

is, it just doesn't.