show episodes
 
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, rec ...
 
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show series
 
Your past relationship trauma may cause you to subconsciously block love. Love requires faith, commitment and a open heart to receive. Let go of the defensive mode: guarded energy will block you from being approachable Stop assuming everyone is like your ex Take time to heal: when you’re still broken it’s hard to be your loving kind self “Even afte…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Nearly 1 in 4 Americans have 0 in their rainy day account. How to get this done after the whiplash of 2020? Clark gives you the little steps that build life habits, including starting a savings account and Roth IRA to gradually build your savings. Clark Stinks & …
 
We bear the cost of credit card fraud directly. A quarter of Americans were victims of credit card fraud last year. One simple way to protect your wallet. / Are you concerned robots will take over all of our jobs? Throughout modern human history, there have been predictions of job loss due to technology. Clark smart historical perspective on automa…
 
Clark breaks down the true value of remodeling and the best reason to do a home upgrade. / Trading, bartering, getting stuff for free - Several ways to find goods, from clothing to furniture, for little or no money while helping to eliminate waste. Ask Clark topics include: Google Fi Review: The Best Cell Phone Provider for International Travel? / …
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Weddings are coming back in big numbers. Couples can eliminate the financial pitfalls that can poison a relationship by first thinking through what’s important to each and having an ongoing dialogue to get financial cards on the table. Hear Clark smart strategies…
 
Clark recently moved and has fresh wisdom on downsizing / How do you seize the opportunities available in today’s job market? We need to be lifelong learners. The more we learn, the more we earn. Employers can’t match skilled workers to available jobs. The ladder is training. Middle skill jobs require skills based training. Clark discusses 3 approa…
 
Both Walmart and Amazon are getting into healthcare to save money for their companies, and potentially for all consumers (including those insured), using both telehealth and clinics. Clark explains the offerings. These outsiders will expand outside of their own employee groups to become a threat to the medical industry, and a benefit to consumers. …
 
The things that people do is a projection of their own reality. When you become immune to the actions of others you protect yourself from feeling like a victim due to emotional suffering. Don’t take it personally Grow your self-worth. Don’t attach your identity to others Ask: Is this an emotional trigger or are you upset? Prioritize your self-care …
 
Clark speaks with admired colleague, finance expert JONATHAN CLEMENTS - founder and editor of HumbleDollar, author of personal finance books and former personal finance columnist for The Wall Street Journal, among other accomplishments. They discuss the core attributes of financial success, working part time in retirement, prioritizing debt, marria…
 
You may be a candidate for strategies that can lower your credit card interest rate and eliminate your annual fee. / Life Insurance is an area where you can easily get ripped off. Clark guides you through the process. You’ll learn the different types, what to avoid, where to look and how much to buy. Fear not. It’s easier than it once was. Ask Clar…
 
It’s not selfish to make yourself a priority. It’s necessary. Quote: If you are not being treated with the love and respect you deserve, check your price tag. Perhaps you’ve marked yourself down. It’s YOU that determines what you’re worth by what you accept. Get off the clearance rack and get behind the glass case where Valuables and kept. Bottom l…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / If you are an owner or involved with the finances of a business, you know the banking industry has traditionally killed you with fees. Clark lists several alternatives including something new from Square and a warning about specialty online lenders. Clark Stinks …
 
Banish streaming price confusion - Our new interactive tool allows you to enter your favorite channels to uncover the best options for you. Load & delete channels and find your best price per month. ~Live TV Streaming Channel Tool - Clark Howard~ / Travelers, an important warning about timeshares. Clark explains why there’s no intrinsic value. The …
 
Airbnb is in need of hosts. The original idea was to save money. But now, 1 out of 4 stays are a month or longer due to remote work capability, driving the average cost of an Airbnb stay up 35%. How to flex with this environment and save on lodgings this summer. / Vacation & work/life balance is seriously vital to health. A new WHO report details h…
 
Now you can take full control over your life and make the decision that serves you. Learn to make a decision and stand on that decision with confidence and peace. It’s a process. Allow it to unfold. Trust that it’s all working together for your good. Guard your mind and focus on the path laid out for you. Ask yourself; how do you desire to feel? Th…
 
Vaccines have changed the recovery equation much sooner than thought and employers are moving up reopening offices. Many bosses don’t trust employees working remotely and miss control. Many workers love the flexibility of working from home and have choices to make. Pros, cons, exceptions and company culture considerations in the hybrid work debate.…
 
Often times when emotional pain is felt some people choose to ignore it, suppress it and even numb it. We allow time to go by without addressing it. We avoid dealing with it. That pain is seeking your attention. Understand you can love the pain away. You can decide to change the story Eliminate the victim mindset Problems are not permanent Accept r…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Fintechs are bringing about enormous change. Forget banking fees, minimum balance requirements, check cashers & payday lenders. Legit services are available for all. App based and online banks, the best credit unions - are great alternatives. The DNA of tradition…
 
National 529 Day - Millions have 529 plans to save for college with tax free growth for qualified spending. Be aware 529 Plans vary. Many states roll in a state tax deduction for contributions up to a certain limit. Clark tells you which plans to eliminate and about the recent regulatory change involving grandparent owned plans. / Would you leave a…
 
Deadline to Savings: June 8 - The video streaming world is in huge transition. Mergers signal industry consolidation. Philo - still the cheapest - is going up but Clark tells you how to avoid the price increase. See if Philo would work for you. // Why does Clark call cryptocurrency fake? Clark describes cryptocurrency in theory vs practice, the gov…
 
Fall in love with the process of becoming the very best version of yourself and you will attract healthy whole relationship. Healthy relationships start with becoming a healthier you Saying No when you mean it, is a form of self-love You are responsible for the energy you surround yourself with Want to connect with us? Reach out to us online! Email…
 
Shopping auto insurance: Ideally, you need to compare to find the best deal. Clark breaks down auto insurance shopping services, highlights The Zebra, helps you navigate the lead generation aspect and understand independent vs captive insurance agents. You can do this! // There are many pitfalls with online ads and purchasing - tactics used by comp…
 
The “side gig” economy is the real deal, and some people are making 6 figures being their own boss. It’s a great time for those with specialized skills to make money freelancing. - SideHusl - Find the Best Money Making Option for You // Americans have paid off a great deal of credit card debt. Credit card banks are getting desperate and making gene…
 
We often compare ourselves to others, compare ourselves to our past success and our past failures, our past wins and how good things use to be. We get lost in what was that we don’t allow ourselves to receive the possibility of something new and better. This thinking leads us to striving for what we once had and striving for what we see others have…
 
In the pandemic, many have been forced to work from home. Now that offices are starting to re-open, do you want to go back in person? Survey: Would you rather work from home or get a $30K raise? Employees say no contest... / Survey: 71% expect significant increases in the value of homes, placing real estate investing over stocks. Why this optimism …
 
Venmo, Tik Tok and Security: Payment App Rules - Don’t use them to pay strangers and beware hackers. Plus, PayPal has attached a social feature to Venmo. Unless you override it, people can see your payments - Why this is risky and what you can do about it. And, should you log in with social apps? / 37 Million of us are traveling over the Memorial D…
 
What’s for you is for you. You don’t have to chase, beg, and fight for it. That energy will cause you to block it. Money is one of the biggest excuses we make to not allow ourselves to receive what we really want. By looking at your current situation you stop yourself from even considering the possibility of having what you desire. Creating wealth …
 
The average price of a used car is up 17%; new cars are up 10% over the last year. If you’re in a car lease that’s ending, Clark has a strategy your wallet will love. / Lab created diamonds are chemically identical to diamonds dug from the earth. The price is the bigger difference. Plus, there are environmental and humanitarian advantages. But ther…
 
Clark wisdom on life-long learning, the transient nature of work, pursuing your passion and being true to yourself, staying relevant in a fulfilling vocation, your approach to money and finding satisfaction and joy in life. / There’s an important deadline you need to know about. There are just days left to take advantage of an incredible free photo…
 
Sometimes growth feels like you’re losing when you are actually aligning and expanding. Growth can often lead to ending and letting go of some people and things. Growth isn’t always packaged in rewards. Growth often feels very uncomfortable You’ve never been this version of yourself, be patient with yourself Learn the power of silence Get your "Lea…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / An update on net neutrality. The cable monopoly is being broken piece by piece. Internet service choice is coming. Clark explains how this is comparable to cable’s monopoly over pay TV being crushed in the marketplace. Clark has a video streaming challenge for yo…
 
Scott Keyes, founder and chief flight expert of Scott’s Cheap Flights joins Clark to talk about myriad aspects of travel now and moving forward. Essential listening for travelers as 2 experts convene. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices…
 
The prevalence of cyberattacks and the nature of the east coast oil pipeline attack - A Clark smart warning and actions you can take. / You must file taxes, or at least file an extension - whether you can pay or not. 90% can prepare and file taxes for free, yet only 7% do. Clark shows the way. Also, $1.3B unclaimed 2017 tax refunds could disappear …
 
So many people want to be rich but being rich is based on circumstances. Rich is a matter of what you see in your bank account and the pursuit of being rich can have too much of an influence on your emotions. Wealth is a mindset Wealth is not about having lots of money, it is about having a lot of options Don’t focus on your income, focus on your i…
 
There’s an ongoing series of Facebook messenger scams. Facebook identities are taken over by crooks who use familiarity to commit affinity fraud. What you should out for. / Clark backs out of a long gas line in California & pays the price. What should you know about summer driving? Clark explains ‘backwardation’ in terms of where gas prices are, wh…
 
Money talk ain’t pillow talk but it works to save a marriage…. There’s pent up demand to throw weddings, but be prepared to take the leap by talking money before the nuptials. Clark describes one of the greatest flashpoints in the first 3 years of marriage, and the nature & importance of ongoing money & goal conversations. / If you too like to sque…
 
You don’t have to do it the way they did it. You don’t have to appeal to what they like. You don’t have to live to please them. You don’t have to travel in their lane. Don’t let them compare you. You are uniquely you. Stop shrinking to fit places you’ve outgrown Don’t hurry it, savour it Even if you can’t see it, it’s all working out for you. Walk …
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / The job picture could not be more different than 1 year ago. Now employers are desperately looking for workers across many categories. For the class of 20 - this could be reset time. The key to getting good work is personal contact, not just sending out resumes. …
 
Hear Clark’s 30 year standard method for dealing with lifestyle debt, and how using plastic triggers a kind of euphoria while keeping you from ‘feeling the spend’. / Better Banking - Chime has eliminated the junk fees and pain points of traditional banks. Low credit score? The Chime Credit Builder secured Visa card gives you control in a unique way…
 
MVNO Mint Mobile has a plan for individual high data users for $30 a month. Clark offers details on this deal and others. / We’re living longer and may need to rethink our retirement age. Clark describes a phase in strategy that can really change the economics of your retirement years. Ask Clark topics include: The Best Place to Order Checks Online…
 
Do you struggle with money blocks? It's time to allow financial abundance. Stop dwelling on the past Stop focusing on your current financial status Feel the feeling of abundance Want to connect with us? Reach out to us online! Email: contact@rainiehoward.com Instagram: @rainiehoward Facebook: @rainie.howard YouTube: @rainiehoward Website: https://w…
 
Want to sell your timeshare? An former inside scammer reveals how they find you and get inside your wallet - No sale. / Survey says: Most Americans want government-backed job training over handouts. Lifelong training is essential to a dynamic economy wrought by ever changing technology. Ask Clark topics include: Home | Costco Travel / Digital Recei…
 
PROMISES BROKEN: One privilege of military service is student loan forgiveness. But the U.S. Dept of Education rejected 94%, just like public service loan forgiveness was largely rejected. This must be fixed. Congress talks a good game about valuing the military. The country must fulfill its promises to those who serve. / CRACKING THE CASE: How pan…
 
You don’t get what you want, you get what you allow yourself to receive. Do you struggle with feelings of unworthiness or low self-image? Connect to love Acceptance Joy Want to connect with us? Reach out to us online! Email: contact@rainiehoward.com Instagram: @rainiehoward Facebook: @rainie.howard YouTube: @rainiehoward Website: https://www.rainie…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Labor shortages and last minute code changes are forcing manual processing of 2020 taxes. Refunds are delayed. Clark’s got a suggestion for those who routinely get refunds. Clark Stinks & Ask Clark topics include: Best Laser Printers for Your Home Office - Consum…
 
The housing shortage has pushed home prices to an all time peak. Clark speaks to fears of a real estate market crash and explains how the market is likely to play out. PLUS, a key rule for home buyers today. / Uber and Lyft are good economic indicators of the employment market and there’s a labor shortage in many different categories to explore. So…
 
There’s a streaming standoff between Roku and YouTube. What was once a cable issue is now spilling over into the streaming world. Streaming TV Archives - Clark Howard / Auto industry game changer is set to ground 'the grind'. HUGE news in the new car buying industry is not being widely reported - something Clark believes will absolutely change the …
 
You can’t be disappointed and get what you want… Learn how to pray effectively and attract what you desire. Be Aware of your words and emotions when you pray Be Aligned to what you desire to receive Be grateful for what you have Want to connect with us? Reach out to us online! Email: contact@rainiehoward.com Instagram: @rainiehoward Facebook: @rain…
 
Clark clarifies the zone between full service and self service investing and describes the 3 hybrid discounters to help you choose what’s best for YOU! And - the KEY to buying financial advice. / Why now the labor shortage in restaurant industry and how tech will fill the gap. Be prepared to be greeted by a robot. New technologies being rolled out …
 
Word to high frequency traders - Clark’s journey with Robinhood and its imitators has been arduous of late. The timeline and tax takeaway is news for investors… How to avoid the tax backlash. / Cable companies, previously one of your wallet’s arch enemies, are now becoming heroes in the cell phone industry. How cable companies can save you money on…
 
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