31 Burst results for "Clark Dot Com"

"clark dot com" Discussed on KFI AM 640

KFI AM 640

03:10 min | 7 months ago

"clark dot com" Discussed on KFI AM 640

"Clark dot com and Clark deals dot com For today's bargains in the world of bargains, Clark Good morning. Good morning. You okay there? Yeah, I just I breathe. It was like, took a sip of something, and then the error came through and it's just Yeah. Adds nothing. I cough and spit moan a lot on this show and e just, you know, I don't care class. Great stone. I mean, at least now I'm trying to get it off the air. So I pressed my button here. But for the most part I don't care. Okay. All confidence means you are a okay. Yeah. Thank you very much for that. Uh, it's a tax season, which means we're getting our 10 90 nines. They're coming in are W two's are coming in, and people are thinking. Finances yesterday. Rich to Merle had a story about this new app that every time you buy something on a regular basis, like a chipotle E burrito, a dollar goes to the Chipotle E company to buy a dollars worth of stock, and that's kind of a neat way to create a spot. Stock portfolio, for example, and stuff that you you do all the time. And the guy who started it is, you know, he's obviously now a billionaire. He's about to have his ninth birthday s O there. Bringing Thies guys are unbelievable, Clark. I mean, they're billionaires by the time they get out of high school so anyways, Clark, let's get into some money. Myths that can actually hurt our finances before we go to that. I just gotta tell you my son has a friend who's there. 15 years old. And he's already making tens of thousands of dollars a month and his own business and my son just is just amazed. Stand. How does he do this? But the kid's a tech genius and So age doesn't matter like no, it doesn't. I'll tell you what. I'd be impressed if you have someone in high school, making tens of thousands dollars a month doing neurosurgery. That is a good trick. You think so? I think so. Yeah, They're kind of stuff. Yeah. So let's go ahead and move on money. Myths that can hurt your finances. Right? This is one that drives me crazy, and there was just a study done by lending tree just released about two weeks ago. They did a pretty good sampling of Americans and this one. I hear all the time from people. They think that it's a good idea to run a balance on their credit cards, pay those massive rates of interest because they think that raises your credit score. In fact, almost half of Americans Think that's true. Absolutely positively not. There is no advantage to running a balance on a credit card. It does not help your credit score at all. In fact, in the typical credit scoring model that will lower your score. It would bothers me. What bothers.

Chipotle E chipotle E yesterday today Clark dot com tens of thousands dollars a mo Merle Americans tens of thousands of dollars a 15 years old 10 two weeks ago Clark ninth birthday com about 90
Renters Rights And the Mortgage Forebearance extension

Clark Howard Show

06:16 min | 7 months ago

Renters Rights And the Mortgage Forebearance extension

"So we have had unprecedented moves over the last year to protect renters and borrowers from facing eviction for renters and foreclosure innovation for borrowers in mortgages and the clock had reached midnight on those programs and there are changes for both borrowers and renner's and there's been so much confusion about this. I want to talk about renters. So as a runner. You don't have automatic protection. You have rights that can prevent innovation but only if you exercise those rights. The rights only extend to people who can demonstrate the have suffered financial harm because of corona virus and. We really have been split as a country. They're tens of millions of people who've suffered extreme hardship with job and the rest and then san tens of millions others of others who actually are in better financial shape almost a year out from the onset of corona virus in the united states than they were before so it is a really story for renters. You have a form you have to fill out that we have a link to it. Clark dot com where you verify the economic hardship you've had you must go to your court dates if your landlord goes after you anyway and the courts are usually doing things by zoom or some other online means. But if you don't appear your landlord even in the midst of eviction moratorium will still be granted relief by the court and you will in fact be evicted. So it's up to you to do the paperwork. Proactively send the paperwork to your land or the landlord pretends to ignore it and files for dispossessed. Ry eviction on you. You must go through the process of protecting yourself in court and also make sure that you keep notes when you notified your landlord the form you provided them. You also provide to the court to assert your rights. The meek do not remain in their apartments. You must stand up for yourself. In the case of homeowners there are more protections because with renner's once the moratorium lifts which is likely this spring that will with at that point. You in theory. You're supposed to pay all your back rent now. That's not realistic right. If you've been unemployed or underemployed for a year but the landlords will be free at that point to move forward with an eviction before moratoriums lift in your financial situation does start to stabilize. I said when not if you want to approach her landlord and see if you can work out a payment plan with them to start working on the back rent otherwise all the eviction moratorium did was buy you time but you still facing ultimate eviction for people that are mortgage borrowers now. That process has split. People who have fha mortgages now have a better blanket of protections then people who have loans that are underwritten behind the curtain by fannie mae or freddie mac. Most people's loans are in fact underwritten by fannie mae or freddie mac the Foreclosure moratorium has been extended ninety more days. Four people with fannie. Mae freddie mac if you are in some kind of forbearance you get ninety days added to that if you need it beyond what was originally a maximum twelve months in the case of fha borrowers you now have protection till early summer till june thirty in order to then work out a new payment arrangement the fha because it is a direct federal agency loan the fha will have fairly standardized procedures. Matt point on what your workout will be how you will eventually make good on the money that you did not pay over the last year in the case of fannie mae and freddie mac there will be a number of different ways that lenders deal with you. They have some Latitude in how they work out. Payment plans with you. The likeliest course that will work for most people is the miss months or full year or so of mortgage payments will be added onto the back of your loan as an additional Months or year or a little more year loan that is for many people going to be the best arrangement but again you cannot be passive. You must be active here and you just don't stop paying and when the moratoriums over you just don't say okay. Everything's gonna be great. You're the one who's got to be active with your lender on coming up with a workout arrangement. What they do in commercial real estate all the time with commercial mortgages are workouts and you will be doing Work out of your mortgage where it works for you and the lender.

Renner Fannie Mae FHA Freddie Mac Confusion Mae Freddie Mac Clark United States Matt
Life insurance advice with Clark Howard

Clark Howard Show

02:47 min | 8 months ago

Life insurance advice with Clark Howard

"Right. Clark yolanda in north carolina says. I'm a forty one year old single parent. I'm looking at life insurance. But i'm not sure how to determine what i need. I've a two year old son have policy through my employer currently in a small policy that should cover funeral. Expenses checked a few companies. But i'm just not sure where to start on this. Okay wonderful the you're looking out for your kids and what i recommend as just a back of the envelope. Simple way to come up with an amount is that you buy a policy that covers ten times. Your annual income that will provide a decent pool of funds to provide for your children in the event of your untimely devise. so that may sound cost prohibitive. But it's not if you buy the right kind of life. Insurance which is known as a level term insurance level term is where you buy for a set amount a set amount of life insurance or face amount of you know how many hundreds of thousands of dollars or whatever it would be for a period of time. You're worried about protecting your children. Ten fifteen twenty thirty years. Whatever that period is on clark dot com. You'll see my guide to buying level term insurance and there are many quotation sites. You can go to to get quotes for many different insurance companies. Whether things. I want to focus your attention on. Is that particularly if you go out. More than fifteen years on level term. I want you to buy a policy from a company rated a double plus by a m best on any of the shopping services that i would direct you to they will show you the a. m. best rating. Which tells you how healthy the insurer is itself. So the eight double plus means they have the highest level of ability to pay claims in the future. Because you wouldn't wanna pay for life insurance policy that later isn't going to pay out for you. Level term insurance has no goofy Savings accounts are investment accounts. It only pays a death benefit to your survivors period. That's all it does in the case of buying policy where you're a single parent and you have minor children. That policy usually will be done in a trust kind of arrangement. Don't be intimidated by that. The online sellers are very familiar with this. And you will be able to have someone you trust. Named is the trustee of that in the event that you pass away while your children are still minors

Clark Yolanda North Carolina Clark
The Most Reliable Used Cars

Clark Howard Show

04:03 min | 9 months ago

The Most Reliable Used Cars

"So i've had an obsession forever about why buying a used vehicle is so much better for your wallet than buying new. There are a lot of people who love new vehicle smell. They want that new vehicle and if it works for you financially. That's fine but for most people buying used is gonna be a much better choice but there are people like a vehicle that feels new. And that's why to me. The compromise has been historically a three model year old vehicle. So right now it'd would be twenty eighteen because the twenty one or what out on dealer lots now so when you buy a vehicle. That's three years old. As a general back of the envelope rule it will have lost roughly a third of its value some models substantially more than that others a little less but generally about a third of the value has been wiped out in those first three years even though the life of the vehicle is so today with vehicles running quarter million miles Not at all unusual. That's like normal now where it used to be hundred thousand miles pretty much. The expected reliable life span of a vehicle but vehicles vary a lot and quality and consumer reports has put out a recommended list of bike category. The most reliable vehicles you can buy depending on size. And i want to start with the most popular part of the vehicle market and these are the most reliable three-year-old suv's based on consumer reports deep dive research and again. These are all twenty eight teens. The honda cr v. honda hr v. The hyundai kona alexis annex the mazda. Five and the toyota highlander. So if you're interested in an suv. Those particular ones are the most reliable. Now when we talk about Cars mid size and large cars the most reliable eighteens the mazda six toyota avalon toyota. Camry accurate t. Lx and infiniti q fifty so people don't buy a lot of cars anymore they specially don't buy small cars. But i'll tell you the ones that are the most reliable small cars the chevy bolt. The honda fit the mazda three the toyota corolla and the toyota prius and the toyota prius c in addition the toyota prius prime. Could there be enough. Prius is on there and the volkswagen beetle so The only american owned company that made the list was chevy bolt but most of these other vehicles are actually manufactured in north america. Even if they're owned by quote unquote foreign automakers that a vehicle. That's very reliable. Starting you're looking at a vehicle that's very reliable is key but not enough. You want to do to other things you want to check the van to see if the vehicle has been in any major accident and it's time of ownership that the van research would show and then the other thing is a condition to purchase. You want to have that vehicle. Checked out by a mechanic of your choosing. I have a more thorough guide to how to pick a used vehicle and what steps you should go through on a used vehicle buying guide at clark dot com.

Toyota Mazda Honda Prius Highlander Kona Hyundai Infiniti Avalon Corolla Beetle Volkswagen North America
Justice department sues Google

Clark Howard Show

06:08 min | 11 months ago

Justice department sues Google

"So, there's. A huge fight. That is underway in the United States. Towards technology companies and Google is the newest one in the dock. Justice Department has filed a massive antitrust lawsuit against Google, it's to be alive state involvement in this as well. And the reason that the feds are going after. Google. and May, in fact, go after facebook. Apple Amazon and they'll be various actions against these four companies. Around the world because these are all firms that do business around the world that are all under a microscope because in various phases of the digital economy. They have become either dominant or to the point that they're sucking all the oxygen. Out of the possibility of competition. So Google. Has Been Sued because of their power and search. Their power in advertising. Their power with the ANDROID operating system that even though apple is powerful in the United States. With iphones around the World Google's ANDROID system controls I think is eighty eight percent of the market. And so the idea is that Google having so much power I mean even Google Chrome. Chrome is gigantic. One estimate I saw recently is a bay control, three recorders of the browsers in the world and. You've got youtube that dominates video online think about Google maps how nothing really has challenged the only thing that really did was ways. So Google went and bought that. So. The courts are going to. Deal with this here in the United States in Europe and around the world. With. Google's issues we've talked about apple lots of legal action against apple around the world about how they control their store However, apple uses I message to create a network effect. Amazon Conspiring against its own marketplace sellers, figuring out what cells and then copying their products allegedly putting them. Up in competition with people who were under their own roof as part of the Amazon marketplace and then facebook. the big mistake if you think of it in terms of antitrust terms was facebook being able to acquire instagram and what's WHATSAPP and be able to use those for what is referred to as network effect as well, and that is an issue with all four these. If you go way back though. And this is why it's not clear the role of government antitrust here or overseas with any of these behemoths. I remember way back. WAY BACK MACHINE WHEN IBM was considered to be. By many people be most evil enterprise in the world. And had a monopoly on so much of computing power in the world. And the government filed this it was landmark legendary antitrust action against IBM. The. Basically fizzled into nothingness because marketplace. Eventually, took care of. Then later, government actions against Microsoft for market dominance again. And the reality is. You don't know with technology firms win out of nowhere somebody comes up with a better way to do things that takes what looks like an impenetrable fortress. What's known as network effect? And blows it to Smithereens or reduces its power in the marketplace. So I don't know. How all this will work out with all the various governmental and legal actions around the world. But it is true that at this moment, these four companies have too much power in the sectors that they're in. The question is does the marketplace take care of it and a reasonable period of time or is there really a role for government? I'm not smart enough to tell you and I know when I railed against the Apple. The whole. APP store thing with Apple. With. Apple extracting this mandatory toll bridge from other APPS including those it directly competes with taking thirty percent of the action. There's no negotiation. Apple imposes the terms that I was very upset about that and that I thought it was an antitrust violation and then there were so many posts to Clark stinks at Clark Dot Com Slash Clark stinks wait. Where's Free Market Clark here And the truth is. I don't really know I mean if you're looking for me for. Yes. Google is doing evil stuff and must be punished or any of these technology behemoths. I don't know if it's best to let the marketplace discipline them or if there is a role for antitrust law and ultimately the courts will argue about this for a long long time.

Apple Google. United States Facebook Amazon Justice Department IBM Clark Microsoft Instagram
New Verizon home internet option

Clark Howard Show

05:04 min | 1 year ago

New Verizon home internet option

"I want to tell you if you live in an area where you have no high speed Internet available to you. Or. You have very limited pitiful choices. The improvement that I've said was coming is coming and in many places is now here. One. Example I wanNA give you is a big announcement from Barisal. That is offering two different types of Home Internet. One of them is specifically geared towards people in rural areas that have not had any choice of Internet provider typically except for those lousy legacy satellite Internet services, which are frightfully expensive and tight data caps in a very slow. Verizon is offering. A Internet service that will not be blazing fast. But you'll typically have speeds of somewhere between twenty five and fifty mvp us, which is fast enough for streaming. If you're a Gamer forget it, you'RE GONNA lose in gaming competitions, but for every day. Internet kind of activities Web, surfing, email, video stuff like that music you'll be fine. And Verizon is offering it. It forty dollars a month if use verizon for your cell phone, if you don't it sixty dollars a month. which is much cheaper. Than what people have been used to for any kind of Home Internet. Now there's a second one that. and. By the way, this is available in at least parts of forty eight states. Heavily concentrated again in rural areas, what you want to look for. Is Very. Wordy name but it's VERIZON VERIZON WIRELESS DOT COM. It's Verizon Lt e Home Internet. Then there's a very small number of people. Who are eligible for verizon's five G. Very fast home. Internet. and. This is an urban close mostly close in urban areas. It's a very fast Internet. And it is fifty dollars a month for horizon six. Seventy for people who just want the Internet from Verizon And T. Mobile's home Internet that. Is Fifty dollars a month everything you know have to be a t mobile subscriber. The coverage of that has increased dramatically if you go to T. MOBILE DOT COM look for their home Internet, you put in your address and they'll tell you whether or not. It's available where you are but this is a huge benefit for people. Who? have. needs to work from home or do some work at home have kids that are doing some amount of online schooling instead of in-person schooling, and if not had access to Internet at home, these plans now make that possible. And on your cell phone service itself. Metro by t mobile, which used to be called Metro pcs it's T. mobile's captive discounter. They have a new plan for five g service. For people switching and payers. So two people go to t mobile. Metro by T mobile. And remember not t mobile metro by T. Mobile. Confusing. And it's thirty five dollars a line. Unlimited everything. Except hotspot is limited to five gigs of month not a huge amount of hot spot on the five G. Network. If you need to five G. Phone, they'll sell you one for ninety nine bucks if you come to metro by t mobile from someone else. So you have a high speed plan unlimited everything thirty, five dollars a month per line. which is a very good deal and if you've noticed. I've had a number of deals over the last six weeks where the cost of. Say Plans Mobile plans whatever we call them now. Has, been coming down down down and for people who don't need a lot of data. The price point in the marketplace now is ten to fifteen dollars a month. So. Big Changes. If you're paying more than these kind of prices you need to look at my cell phone guide at Clark Dot Com to find the best deal for you or whoever you buy cell phone service with or if you're on a family plan, what is the Best Family Plan for you?

Verizon T. Mobile T Mobile Metro Barisal Clark Dot Com MVP G. Phone G. Network
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:40 min | 1 year ago

"clark dot com" Discussed on Clark Howard Show

"I think that the chances that the material get stolen wallets in the mail. And in turn is used by criminal to engage in havoc with your kids. Life is low enough that. I would feel comfortable sending everything in one mailing. If you really were worried, this is a way to reduce the amount of harm that potentially could happen Kim. Graham says Sir you've helped me many times and I, much appreciate it and also complaining in general makes me sad. But I need you to clarify the fall into lemon to help many of us who are in the housing loan market you suggested that we make three columns for each lender interest rate points and closing costs. But then what I don't have the key to solve this equation of which lender would come out on top please don't leave us hanging. Show us how to process this data. So who from Clark Dot Com posted that Kim what do you mean? Well, because we have our new tool that we? Spent months developing that's math formula tool to take that information and then figure out what makes the most sense is which loan you take out. So you think it was like a plant and sell. Our Fellow Clark Dot Com. Thanks. So yeah. So that is something that I've been asked before and we. WORKED OVER A number of months to help people take the raw information and figure out what loan makes sense and what.

Clark Dot Com Kim Graham
Fighting back against an unlawful eviction

Clark Howard Show

03:10 min | 1 year ago

Fighting back against an unlawful eviction

"There is a new. Order from the CDC which I've talked about briefly on a couple of occasions. That says because of the public health risk. That you have. A right to hold off a foreclosure. Until next year. So, through the remainder of the year, but the process is one that has confused. Individuals who are behind on their rent. And their landlords that have been very aggressive. In a number of jurisdictions. Trying to go ahead and get people evicted. And this is why I wanNA state. Again. This situation. With no winners. landlord's bills to pay. Tenants don't have money to pay their rent and a lot of cases. And so this is a lose lose completely. But. You do have these specific rights based on the CDC guidelines to avoid eviction for the rest of the year. If you jump through the right hoops now, there have been anecdotal situations around the country where judges have made their own decisions ignoring. The CDC. and. Ahead and processing evictions anyway. But I think that's more unusual. The bigger issue is people don't know how the process works. And, you have to go through a series of tests. That you have to answer. On a form that I have linked at Clark, Dot Com as a tenant where you have to validate and verify income. And then you have to go through a series of questions where you have. tried. Other ways to be able to meet your rent obligation but have been unable to do so and so you answer these various questions that people have found confusing and so there are landlords have been very aggressive about trying to get their properties back because they want money right so. There's now free software available that I read about I and Bloomberg. Vet Is available to you. That will help you through the questions so that you properly give the landlord and if necessary before a judge, you give the landlord, the documentation that would forestall an eviction. Till Twenty, one. So the software you want to look for his hello landlord. And it is free, it takes you through nineteen questions. You have to answer. In order to have the defense of the CDC regulations to avoid being evicted. Till next year

CDC Dot Com Bloomberg Cdc.
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

05:23 min | 1 year ago

"clark dot com" Discussed on Clark Howard Show

"Fund, and so forth, and the only debt we have is the mortgage on award up. Visitors and that sort of brings me to my question. I guess it's a good problem to have but warranted. You're wise because I'm getting conflicting information in the print media on the radio So wanted to run that by you and see if you have an advice me. So your dilemma is you're carrying this mortgage on your house. and. You're wondering should you just blow it out? Pay It off? Correct. Yeah. So vm saving money and you know it is too hard work. I mean we didn't inherit anything but we do have money in the bank. To pay off the mortgage, the mortgage is around three, hundred, thousand you just you know hotel members and four percent refinanced it a couple of years ago. So the rates have come down since. And So we have about twenty years left so I can just paid off. I had to check for three hundred, thousand way that much sitting in savings and a bank. And that is that is really bad I know. Wait. Wait on top of that. You are saving money for retirement. You have saved money for Kids College. Great Take that savings. And wipe out that mortgage and be a hundred percent debt free. And that's what I've been hearing from a lot of. Lot of advice on other shows and and on on print but then I've been also hearing a dad, you know you should really keep the mortgage keep it as long as possible you get a tax deduction. Now tax adoption tax deduction is way oversold is not worth you caring four percent mortgage. I would see row out that mortgage. No, you don't have to worry about it anymore that you own the home free and clear is exactly what I would do. and. I wouldn't I mean in your situation with all your financial ducks in a row. So beautifully, you've lived substantially on less than what you make. You you have a lot more emergency funds obviously than you need. I would be completely debt free and look every month going forward. After you've done that you can take that money and put it to work for yourself that you have been paying on the mortgage. So being debt free is for you and me. Congratulations. Welcome to the Clark Howard Show where it's about you learning ways to keep more of what you have are websites, Clark Dot Com, and Clark deals dot. com..

Clark Dot Com Clark Howard Clark Kids College
iBonds could be a great savings vehicle

Clark Howard Show

04:55 min | 1 year ago

iBonds could be a great savings vehicle

"I'm so glad you taking time out of your day to join us here on the Clark Howard. Show. Where it's all about you learning ways to keep more of what you have. Our Websites Clark. Dot Com and Kark deals. Dot Com. So. Over the last twenty, five years. Probably, about twenty five years maybe thirty. I've had a love hate relationship. With. A method of saving money called series I savings bonds. These are sold by the federal government, the US Department of the Treasury. And you buy these savings bonds and You earn whatever the rate of inflation is in the economy reset twice a year. And there are times series I bonds have been scream and deals. I own some that I bought back in the nineties. that. Out later, this decade because they earn interest for thirty years and the ones I got then were such a good deal I wish they would just go on forever but you know. Now going to have that luck. In a Hammock recommended series I bonds except maybe one time in the last five years. But now I can do so again. Is something for a small saver. Amounts from up to well up to ten thousand dollars in a year can go into series I, savings bonds, and the reason I'm recommending them now is it's not like you're gonna get rich from them. The problem right now is that what you're earning in savings from a traditional bricks mortar bank is like nothing. and. So I mean really is literally about nothing even if you go to one of the online bank's I'm always talking about. Their interest rates have fallen and fallen and fallen from around two percent to now many are below one percent still declining, and that's because of the economic decline were in right now. Because of the recession, we're. So. Also in addition. The. Federal Reserve is doing things to hold interest rates down indirectly with the moves they can make. Some directly. But overall indirectly. So that means that savers are getting clobbered. And now you earn less on savings. then. The general rate of inflation and the economy. And that's why entering into your financial life potentially could be series I, bonds because it's the one way of saver. Can. EARN. The rate of inflation so you're not falling behind with your money. which normally would not be something to. Jump for joy about. But if regular roll savings accounts. Are Making you basically nothing. Every year you're falling behind inflation. So series I savings, bonds, e buy savings, bonds, Dot Gov. Click on I bonds. When you get there, you'll see that you can buy up to the ten thousand and a year from very small amounts on up. And I think the minimum. Is Twenty five bucks you can buy. Or you can buy is many as you want up to ten thousand. Now, this is designed for you to have for potentially up to five years or longer because if you dump one less than five years, you forfeit ninety days of interest not a big deal in today's rate environment because of interest rates got much higher in the next few years. You could dump this series i. Pay. Your. Ninety days penalty and put the money to work somewhere else so. Every. Six months. The what you earn on the I bind changes. based. On that six months prior inflation. So the ideas you stay even With where things are which today being even? Is like a win. So check it out savings, bonds, Dot Gov. and. It's a pretty easy purchase. Understanding, how all the adjustments working all that not as easy. And since you're buying electronically, make sure you put note somewhere when you bought them what you bought so that they're not forgotten about over the next potentially thirty years.

Clark Howard DOT Kark Federal Reserve Federal Government Treasury Us Department
Walgreens is adding doctors offices across the country

Clark Howard Show

05:51 min | 1 year ago

Walgreens is adding doctors offices across the country

"I'm so glad taken time out of your day to join us here on the Clark Howard Show where our goal is simple. It is to empower you with knowledge, so you can keep more of what you have. Our websites are Clark Dot Com and Clark deals dot com. And we have been through. A real time with medicine lately. cash the people who work. In medicine. Doctors nurses, other medical professionals and personnel who worked in medical facilities have been putting their lives on the line. To save as many lives as they can during corona virus. And one of the things that has been. Clear through the time of the pandemic. Many people in America. Don't have a regular place to go. When they need medical attention. And so a lot of times, those people have sought care. For Corona virus much later than others it many times with terrible terrible results, possibly loss of life as a result of the delay. And so we've got a broken equation. In the United States in spite of the incredible heroic efforts of so many people. In medical. We've got a lot of people who start with the handicap, and that is lack of regular access to medical care, so there's been. A lot of experimentation going on, Walmart has been opening Walmart health centers. And they are going to increase the number of centers they offer, and I've talked about how CBS. Is Opening medical. Facilities as well that are. Retail oriented like the Walmart, when as well and now walgreens. Has announced that they're going to open. Somewhere around seven hundred doctors offices. That will be inside. Walgreens stores or attached to them. and. The design of what Walgreens is doing. Is that the overwhelming? Majority of locations that are going to be open our locations that are. was. It's called on board that there's a lack of primary care doctors. In Zip codes or areas. In urban suburban and rural areas where the doctor's offices are going to open. In the Walgreens, so this is. Part of migration in how medical care! At the primary level. is going to be offered in the United States where. You're going to have more and more. Retailers who are connected directly to medicine like walgreens and CVS, and then those who only indirectly or connected to medicine like Walmart. Getting involved in the delivery of medical care, the one of the six. Factors in each of these. Is What economists call price transparency where you will know. When you walk in the door what it's going to cost? For the care, you're likely to receive and gave an example about where walgreens. Kinda went off the tracks with this. Two years ago where? Walgreens was doing what CVS was doing with. Nursing a box facilities where they had the nurse practitioners. In the offices in the. In the pharmacies and CVS has stayed on that course will walgreens and a lot of places has sold off those facilities to. Dominant hospitals in an area. And the hospitals use it as a feeder tool to get more patient admissions to their hospitals, and as I, did in a story I did for television I looked at the pricing at. The facilities when they switch from being a Walgreens Ryan essentially nursing a box to a feeder for hospitals, and you no longer had the ability to just see a price list. You no longer had pricing anything. That was approachable anymore. Once those spaces flipped and became. With hospitals and so having. The involvement and the design from the ground up. where? Someone can come in, and they know what it's going to cost, and they know that someone's available to see seven days a week and longer than banker's hours. That's where we're headed with primary care, and it's one of the ways we can make a big difference in what health care costs moving forward and the outcomes for people. When they see someone early instead of delayed care at hospital emergency room, which is not where someone should be getting primary care any day of the week.

Walgreens Walmart CVS Clark Dot Com United States Clark Howard Clark America CBS Ryan
Car dealerships are reopening and the pivot to in-person sales has begun

Clark Howard Show

05:03 min | 1 year ago

Car dealerships are reopening and the pivot to in-person sales has begun

"That was area of the economy. It had been so stuck in the past. That changed radically in quickly because a corona virus is the car market. People very heavily pivoted to negotiating shopping negotiating and buying vehicles online, doing touch list delivery of new vehicle something that had never been. Part of the car business and of businesses that people really have historically not trusted. The car businesses it I mean this is. This is pitiful, and it does not square with the people I've met in the business. But a new Gallup poll. Finds that just nine percent of Americans. Said car sales people are. And Ethical. And that puts. Car sales people at the lowest level of trust, even below members of the US Congress. So. This is a business that has very little trust from consumers. And so people really liked. Buying vehicles with no pressure and buying them online. Well now as states have open back up. Bloomberg reports that car dealers. Trying to discontinue. The online access, not all dealers, but many trying to discontinue the online access and get people. In their stores. They have huge. Investments in those stores. And there's a lot of expense building. Those fancy two story show rooms there so. elegant now they've got the snack bars and all the things they have in those fancy show rooms and. If I'm a dealer and I spent all that money. I've done it because. It's a prophet machine. When you get people in there a lot of times, people will come in, and they'll drive away in a new vehicle. They didn't even have an intention. A buying met day and they don't comparison shop. So, it's been really terrible for dealers. With all the comparison shopping that people are doing now online. They're also buying less or known as packed. Add on charges buying online so. Dealers are realizing that they are able to squeeze more revenue out of every sale. Even with the higher overhead having people come in, and you're going to have dealers trying to lure you. Back into coming in before they talk to you about price or particulars. What I will encourage you to do is understand. Their incentive is different than yours. If you want to get the best deal without having the hassle. You WanNa. Do Your shopping online. You WanNa. Do your negotiating with multiple dealers, online or US one of the car buying process I've talked about, and if you look what's happening with the US vehicle market people under age thirty five. have no interest in going to a used car lot of a new car dealer going to a used car place or anything like that. They want to do it right on their phone. And, that's how car-o-van and and broom hit become players in the market and Carmax the nation's largest used car seller. has very heavily invested in having an online platform where people can buy a vehicle that way you know. A lot of dealers did it out in assessment because no one was buying. If, they had to come because a lot of states. You couldn't go to a dealer showroom. Because a corona virus earlier this year, but now. A lot of people once they've experienced how fantastic it is buying online! Or learning something from. been doing that for a while. And I hope that. When you are shopping for a vehicle, you'll follow my guidelines that I have at Clark Dot com on how you do it and get the best price and be very careful. Going to the dealer to make a deal, because if you want the best deal, it's going to be shopping online.

Us Congress Bloomberg Clark Dot Carmax United States
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

04:15 min | 1 year ago

"clark dot com" Discussed on Clark Howard Show

"If you'RE A LONG-TIME LISTENER? You know how I feel about gift cards, but in spite of my feeling about them, gift cards have remained a very popular thing for people to give other people for gifts. When you don't know what to buy, somebody you're trying to save time. You just buy a gift card well, that has become very dicey thing. This year for a couple of reasons, retailers are closing in huge numbers. It was a report from Bloomberg that we're going to see something around twenty five thousand. Retail stores close. And that's two and a half times last year's total and a lot of chains are going to vanish in total. A lot of. Small operators are gonNA close as well and those gift cards. The you have for retail stores. Could end up going to dust. You know it's different when a retail store is worried about. Is. Reputation when it files for bankruptcy. And one of the first motions they'll file with the bankruptcy court judge is. To honor gift cards through the bankruptcy process historically though. Retailer would be reducing their number of locations. And be preserving their reputation. Moving forward, but now we have chains that are just saying we give up. And they just close everything. And they're gone. The giftcards vanish into thin air sometimes. And you gotTa Get lucky here. The retailer will honor. Gift cards through the liquidation. As a way of warring people in so they buy what they combined with the Gift Card, and then by other stuff as well, but you gotTA. Being lucky in that case A-. Don't be unlucky in the first place. By sitting there with gift cards gathering dust I want you to go get your gift cards out. And use them up if it's a going concern retailer you. You don't ever think you're going to go shop. They are either online. If they have an online presence or in person in store, look at the websites we have haven't Clark Dot Com where you can sell your gift cards to other people..

Clark Dot Com Bloomberg TA
Answering Your Questions of Stimulus Relief

Clark Howard Show

08:27 min | 1 year ago

Answering Your Questions of Stimulus Relief

"Wants to know she said I heard if you're on social security and you receive less than thirty thousand dollars per year you will not receive the stimulus money. Is this true? I have not seen anything saying that anywhere. So if you're talking about the twelve hundred dollar helicopter money I have not seen that the the senior citizens that will not receive it or senior citizens that are claimed as a dependent of someone else like. Let's say an adult child provides a lot of your care and Pays for more than half of your costs. And they may claim you on their taxes than you would not be eligible and they would not receive any Any helicopter money but if you live independently. I know of no reason why you would be eligible for the money. Doug has a question about his stimulus. Jackie says I've heard rumors that the cove in nineteen stimulus checks are going to be deducted from twenty twenty income tax refunds if a refund is applicable. Is that correct? No this is that something that I it a couple of days ago. I said I was going to have to read up on because we had another question about how this is affected in terms of taxes. And this is like money. Falling out of the sky it is Essentially a non taxable gift from the taxpayers collectively to you as an individual tax payer and the twelve hundred bucks per individual and a couple twenty four hundred. The five hundred per dependent child That money is just money. That's yours to us into spend as you need or to save for the event that Finance become more difficult for you over time no tax will be do chem I right. Michael says that he is self employed. He has no employees and he heard that there is no provision for people like him. What do you suggest I do? Is there any program that I can apply for help? Okay what's actually different? This time is there is assistance to people. That are self-employed self-employed individuals who've had their incomes. Crushed or eligible for what I think is the first time ever for unemployment compensation. The unemployment compensation will continue for Roughly I don't know if it's going to be sixteen weeks or seventeen weeks. I haven't seen final wording on that. Is Unemployment compensation you apply for with your State Unemployment Insurance Group And we have all the agency information for you with direct hyper links for all fifty states on our update to filing for unemployment on Clark Dot Com. We also have a deep dive story on it that we did not right but we linked to act. Clark DOT COM on applying for unemployment. So people that are self employed people that are independent contractors people that are GIG workers all three categories that under virtually every state law would be ineligible for unemployment compensation and all three categories. You are now eligible under the third stimulus Bill Joe Clark. Shane says I own some rental single family. Homes Have Fannie Mae backed mortgages under the new federal legislation. If my tenants can't pay rent will I have any loan payment forbearance if I can't pay the mortgage on those rental homes and if yes will how will that forbearance work? I am so glad you asked this question. Because I've been looking for the answer for people who have rental properties underwritten Indirectly by the federal government now. The legislation is clear that owner occupied properties. You're able to ask for forbearance for twelve months. I have not found anything that gives me a definitive answer yet for people who have rental properties because even though this is the first time we've had on the show. It's the third time I've been asked the question this week. By people off off the show people have been asking me who have rental properties that. They're worried they're tenants aren't going to pay is therefore available for them in what is essentially a Investment property not a personal residence. And hopefully that answer will emerge after this is adopted signed by the President and the regulations are issued. But for now I don't know Khem Sachs says now that the government is halting student loan interest in payments for six months. Does that mean that if I choose to make payments that the payment will go straight towards principal? There's no wording on that yet you know. There's no interest is going to be charged. But I've had a number of people ask me you know if I if I've got my job everything's fine. Just keep paying my student loans as agreed and am I gonNa get burned by doing that by missing the interest holiday so is best. I can tell you will not get benefit of the interest holiday if you continue to pay although that could change because I need to. I need to step back a second and explain something. And that is when the Congress passes a bill and then the president signs it into law. A lot of what's in there is worked out later by administrative agencies by the real various federal agencies so in the case with student loans it will be the US Department of Education that will ultimately issue guidance. On what will happen with something like somebody who says hey. I don't need a holiday. I'm going to keep paying amount. Do you get the benefit of no interest is an additional amount reducing your loan. That's the kind of thing Balhaf to decide because there's nothing I could find in what I've read. I've read that part of the statute that addresses. What happens if somebody voluntarily continues to make those payments so these kind of questions will be answered over the next several weeks? We only have a lot of areas more general information. Joe Clark. Brad has a question that might fall under exactly what you were. Just mentioning with the clarification from the different agencies but he says that his wife has automatic payments I in loans so we'll the grace period where the loans don't need to be paid. What will those automatic payments just cease for the time being and then start up again in October? That seems to be the plan because again the education department's going to have to make that happen but their intention is to cease all collections on loans for that period of time to be essentially no billing for loans and many people have them set up as automatic so there are two ways. People do automatics. If you have a bill pay service set up with your checking account and you just automatically pay certain bills every month. You will have to discontinue that if you're doing it for student loans because that would continue to go regardless of the actions of the US Department of Education on the other hand if your federal student loan servicer drafts here account each month. That's the activity that will likely automatically cease. So that's a distinction with a difference. It's very important that if you don't WanNa make your payments that you discontinue automatic bill pay and let me emphasize again. This is four federal student loans. Private loans are not included at all to this point. Private student loan providers are doing basically pretty much nothing for borrowers all. The action has been at the federal

Us Department Of Education Self Employed President Trump Bill Joe Clark Federal Government Fannie Mae Doug Joe Clark Khem Sachs Jackie Congress Shane Michael Principal Balhaf
Senate relief bill implications

Clark Howard Show

05:51 min | 1 year ago

Senate relief bill implications

"The typical business has twenty seven days of cash on hand if operation suddenly ceased. So that's why it's really important. That part of this is a three hundred fifty billion dollar loan program for small businesses. Now I don't want to sugarcoat this because if you're a small business and you take a loan and you've got no revenue coming in when you rebuild your business you're going to have the burden of rebuilding it and ultimately having to pay back these loans. So it's not like this is a panacea but it gives you the opportunity to fight for Your Business. Another day when commerce restarts another part of the legislation that was a huge fight about is hospitals. Making sure there's enough money going to hospitals so the hospitals will be able to deal with the extreme added patient load and the sudden expenses for the equipment that hospitals are going to have to have and so that is part of this deal likely somewhere around one hundred billion for hospitals in addition. There's money that's going to go to cities and states to deal with the sudden cash shortfalls. I read a story today about the massive decline in tax revenues in the State of Florida. The State of Florida is a state with no state. Income tax finds most of its operations with the sales taxes will sales tax revenues as you might have expected have fallen way off a cliff. So Florida doesn't have the money to operate moving forward without some kind of assistance and Florida's just a microcosm of what states are experiencing around the country so money will flow to the states and local governments as far as the exact amount of that will see in addition. There's a find for big business and the big business. Fine was a big area of controversy because initially there was going to be no oversight over how money was dealt out corporations with the fear that the money would flow heavily to politically favored corporations and others would be starved for funds. So there's a new procedure that has been designed with an independent watchdog to make sure that is. Money is handed out to large corporations. In what hopefully will end up being loans and not handouts that that money will go where it's most efficiently needed and not where it's most politically expedient to send that money now. Let me tell you how this is. GonNa work with this legislation. Day by day it will become clearer. How different elements will play out how you will get access to the fines. And how quickly? You'll have access to those funds and as that information becomes available each day that there's more new significant information to share with you. I will do that with you here on the show because this is obviously a really rushed activity and it will take a while to peel away the layers of the onion of this legislation. And Tell You if the cavalry is in fact on the way to help out and how quickly will be there for different phases of the economy and your life and Cam. I WANNA go to questions now if I could and what we're doing if you're not aware is if you go to Clark Dot com slash. Ask Post a question for me and we're getting a ton of questions posted and so we're doing this with Kaman. Joel asking your questions is producers rather than me speaking with you directly because we can address more topics within each show doing that that we can with traditional calls all right then well first up is Jimmy. He says I've procrastinated getting term life insurance and don't know if now is a good time given the circumstances I'm forty four. I'm in good health and my job is stable for now. That's a sobering thought. Isn't it Kim? And we've had a lot of questions about life insurance that will get to day by day so applying for life insurance normally is a process that takes about a month to go from applying to win. Policy is issued. There are issues that we have listed on. Clark Dot Com that do instant issue term life insurance. And what they do is they do Computerized checks on you and believe that they can know as much as they need to about you in the overwhelming percent of cases. If they're able to find the data they need to know enough about your medical history and prospects bay instant issue the life

Florida Fine Clark Dot Com Clark Dot Jimmy Joel Kaman CAM KIM
Is Amazon Prime worth it?

Clark Howard Show

02:41 min | 2 years ago

Is Amazon Prime worth it?

"Right now. I wanna talk about something so many millions of americans arkins do by wrote their members of amazon prime paying a hundred nineteen dollars a year to be able to have one to two day delivery of items at no minimum to have occasionally access to items that are for prime members only to have access to prime instant video to have access to amazon's no frills not the full frills tells the no frills music service. There are a lot of different things that amazon uses to keep us connected to it. I'm a funny situation and that i pay the one nineteen year for amazon because their series of shows that my family lying loves to watch that are only on the prime instant video service so i'm looking at it as like a ten dollar a month video subscription we order order very few items from amazon prime and so in my case when nobody's really interested in those prime video shows does anymore we're done because there's nothing else that would hold us there but everybody situation's a little different so it clark dot com com. We put together quiz. It'll take you oh probably about three minutes to fill out where you ask yourself alf thirteen questions and so you can just go down the questions really quickly on amazon prime quiz and you just circle your choices says on the thirteen this actually isn't gonna take even said and then you add up the points you come up with based on the answers search and we've got a scale that if you scale above seventy five points on this quiz then yeah it's worth it for you to spend one hundred twenty a year but if you fall below that then this is really money you're throwing down the tubes cbs another thing with amazon to other things you even as a non prime member you hit a minimum order bucket just like you do with walmart walmart and you don't have to worry about being a prime member. You're still gonna get free. Shipping is not going to be one or two days but you'll get free shipping and and so. I think that's really important for you to think about the you don't

Amazon Walmart Hundred Nineteen Dollars One Nineteen Year Three Minutes Ten Dollar Two Days Two Day
Watch out for credit card companies lowering limits

Clark Howard Show

16:12 min | 2 years ago

Watch out for credit card companies lowering limits

"I've got a foul up for you on something that has really emerged. It's just a problem going back to this last spring and is intensifying here in the summer and that is where credit card companies are either without notice closing your account or reducing your credit line and it's because the rate of delinquencies with credit cards is zooming right now and the number of charge offs s where people just aren't flat out paying their bills anymore has gotten really bad again with is credit cards so the credit card companies are really freaking on this and they're punishing people who have not caused a problem but they're just worried and trying to dial back their portfolios our our producer Kim got a letter from one of her credit card companies in this case American Express and American Express did not write him to tell her they love her in fact this letter is pretty eighty cold from American Express to you. It shows that bankers exist is bankers only with artificial hearts. It felt that way yeah so they told you your spend activity on your account listed above has been significantly lower than your credit limit in order to align with your spending we have lowered the credit limit on your account and goes on from there very warm and friendly early and Fuzzy American Express Yeah Super Fuzzy considering they are my oldest line of credit and I've been with them for about twenty-three years this very disappointed but you did get one. Please in the letter your nor options if you would like us to review our decision. Please please hey there. It is call us at the number on the back of your car that I thought was particularly Kinda Lane that they couldn't hadn't just type out the number that I had to get out my card and look at the little bit on the back. I'm like really not encouraging me to call you so I'm not specifically picking on American Express even though that was really harsh but this same kinda banker mentality with a complete lack of sense of loyalty to a customer has been loyal the coldness the <hes> I mean why do people hate bank so much because this is the way they behave you know the artificial heart was developed as a way of saving lives of people whose human heart was not functioning but when the banks came up with the idea of having all their employees and planted with artificial hearts they've been thrilled with it and this is a perfect example so American Express warm and fuzzy warm and fuzzy <hes> this could have been from any of the other big issuers because this is going on so no this is y it is very important from a defensive standpoint that you have a minimum to credit cards from two different issuers because at least Kim didn't get the other nasty gram that so many people receiving which is we are closing your account and this is not for somebody. Who's been a problem? I that's just the way it's playing right now and I've talked before and we did something a video and Clark Dot com about why probably in this circumstance having four credit cards from four different issuers may be the right defensive posture with the behavior of the banks right now and that would be a major credit card which is visa mastercard American Express discover never more than one thinking of it as a defensive position from the same issuer like if you have a couple of cards with chase peace and that's it. You're going to have a really bad day. Chase decides you're out all at one time. That's why you WanNa have them for more than one place and I really liked for you at this time to go to a credit a union. You're a member of and get a credit card from them. Credit Unions are because they're owned by their members. Don't just throw people overboard Willy Nilly when things get a little rough out there because they're there to serve serve their members. They're not looking at you as just a data point and a profit center I apologize if I missed this but did you <hes> share the punch line that I was able to call an appeal well. That's why said in the letter you could you could and it wasn't that hard conversation. It was a little obnoxious going through the same story with them over and over but they updated my income stuff which they hadn't done since two thousand and five and reviewed it and then restored. Would it back to the other one so for anybody else at this happens to. I think it's definitely worth the phone call at least and the person you spoke to at American Express. Did they have a real heart or an artificial. They sounded exactly like your imitation of the letter her so strange they really. It was obviously scripted. Yeah everything they said was obviously like reading from a script even after they transferred me to a manager he was reading from a script. It's just you know it's not a warm fuzzy situation but you by advocating for yourself you got it reverse and now your credit isn't going to be harmed by that. Credit Limit Reduction Yep good job P._J.. Is With us on the Clark Howard Show Hi P._J.. How are you hi Clark Great? It's a pleasure to speak with you well. It's great to have you here and you have a suggestion for something that has been a terrible problem for so many parents teenagers and that is that it costs about as much to ensure a teenager as it costs to buy a building yeah you had a recent caller who mentioned they were going through a similar scenario similar to what my life and I just went through with their son turned sixteen and and they contacted their insurance company about putting them on their policy for their vehicles and that caller it was about four thousand dollars a year more in our case. It was wasn't that much but it was quite a bit so in talking to the Insurance Company Company we <hes> we're agent came up with a way to take the sting out. It's actually worked well with something. We were thinking about doing anyway. <hes> what I learned was that the the insurance company will rate. You're young driver on the highest cost vehicle you have and both far vehicles are currently fully insured and therefore that that increase costs however if I were to purchase a vehicle and carry only liability he could be listed as a primary driver on that vehicle in doing so we pay substantially less in fact the difference for us was about nine hundred dollars a year less and given the cost of the vehicle that we were purchasing we would almost have it paid off over the two years that he was in that higher risk so very clever idea. So what were you able to buy so inexpensively we actually bought a nineteen ninety six Ford Ranger pickup and <hes> he you know he would drive it just to work. I did confirm with the insurance company. There's no problem within driving or other vehicles if we wanted him in a safer for vehicle for a longer distance or something he's free to drive those vehicles but so long as he's primarily driving that used vehicle <hes> he's he's able we're able to get into that lower rate. I appreciate your strategy so much catch and there's something you said I wanNA point out. You said that <hes> it was the person at the insurance company who helped you figure out a workable strategy. Is that right that's right. It was our agent. We have a really good relationship with our agent. Will that is great right. You know <hes> fewer and fewer people today have an agent who even though they are the agent or the insurance company historically psychologically. They've really been an advocate for their customers and yours is a perfect example sample of where an agent advocated and saved you a lot of money. That's really wonderful to hear and it will keep the keeping miles awesome are other vehicles. There were a lot of advantages to the whole thing well that is such a good story and differences from state to State Insur to ensure but on love suggestions like yours is ways of trying to reduce the cost of insuring teenage driver and <hes> <hes>. You may have heard what we've done that our teenage daughter is in college in an area where there's a lot of Uber and lift and what she's spending per month on Uber and lift is less less than what the auto insurance was for her to be a driver and now somebody else has to put the wheels on the road and drive her which she loves lots of ways to get around the auto insurance for a teen thing. Dan Is with us on the Clark Howard Show Hi Dan Dan what's going on. I have a six month old. We are planning on putting into into a private school finally when they're three or four and we're seeing if there's any kind of five twenty nine plan <hes> that we can use tax advantage of that to pay for the private school so do each state establishes what they permit as far as money going through into use for private school in usually is considered to be K.. He threw twelve <hes> traditional kindergarten is when states have generally allowed five twenty nine money to be used for a private school that before that you know historically that was called pre k. a nursery school and I'm not aware of there may be a state here or there. That's allowing that but to my knowledge it's kindergarten through twelve and you're allowed to take in the states states that permit it typically up to ten thousand dollars in annual tuition can go towards private school tuition kindergarten through twelfth. That's going to Max out at about ten thousand. In a year anyway so that could that could work out well for you. GotTa you gotTa put in a big chunk to be able to really make it work for you because you need several years of tax free growth and tax free spending thing before the it's really worth it to us the five twenty nine money for private school. Is your child likely to go private school all the way K. through twelfth. Most likely yes sir so what I've recommended in that case is that you use the child's young years to keep piling money into a five twenty nine. Give it several years to grow and then maybe about middle school age is when you start are using it to pay tuition so that you've had enough years where you've had tax free growth in tax free spending because if you turn around when a child is really young you put money on you. Turn right around. Take it out. There's just not enough earnings to make it worth worth doing all that so it is a new tool for people and I think that in the time that it's been legal in many states to use five twenty nine money for a private school before college I could probably count on one hand the number of calls I've had about it so most parents are still thinking of five twenty nine is principally for college. Ari Is with us on the Clark Howard Show Hi. How are you today great? How are you good? You have a question about something that the answers have gotten so much better in the last couple of years hit me with it great well this goes along along with the spend less idea because I have looked around and I did a little internet searching and I found I wanted to well. Let me start with where I'm trying to accomplish. Daughter is going to be spending a year in a different country and we have to pay for the program that she's going to be going to. It's a gap year so she'll be finishing high school which is graduating in a in a month and before college. He's GONNA spend a year studying in a different country and the school wants it and their currency currency and so I looked at a few different companies one of them on your website but then as I'm doing some Internet searching I found a website that did a comparison engine which I'm not sure is legit so that's part of my question and then Kinda different company that look less expensive so of course I wanNA spend less but you're so worried about scams and if you transfer money and you wire money I feel like there's no way to ever get that back. If it's a mistake absolutely we now I am so glad that there are these alternatives because not that many years ago the only choice we had if we needed to send money overseas was to do it through a bank and banks in the United States have used this as away to just eat people's wallets up and they're not competitive at all in the marketplace when the banks had a monopoly. It was just ridiculous how much they ripped us off but now that option. It's the why isn't it crazy how much the banks teach you and is a cheat. It's not even charge you but the big players in it or oh F._X.. And Transfer Wise. I don't know if you've looked at either of them. I didn't look at the facts I looked at transfer wise and that's the company that I found is seems to be less expensive but the big mystery is how do you know whether you're dealing with a legitimate company even if they have a website and say they've been established Bush since nineteen seventy nine or whatever they're saying who are they go ahead and ask me currency transfer dot com. I'm not familiar with them and I found them on finder dot com which was a website that compared urge currency transfer websites. How much cheaper are they then <hes> the two that are the best known transfer wise no F._X.? I would say that it was about and percent cheaper ten percent really yeah so you mean ten percent less of the fee not that that's ten percent to send money okay right right if I if I was sending you know a thousand dollars I had they were nine hundred versus a thousand from the other companies right okay. If it's much cheaper you're going to be making multiple tuition payments do a test with them and see what you can find with reviews put in the name currency transfer and then put in the word rip off as a search see if there are people have gripes with them if everybody's happy with them and it works with a small transfer. Give it a try. Maybe you've found another other that is cheaper than the two that are most established. If it is a problem then you know who you should

American Express Clark Howard KIM Insurance Company Company Clark Dot Producer United States Chase Ford Ranger Dan Dan State Insur Bush ARI Ten Percent Four Thousand Dollars Nine Hundred Dollars Ten Thousand Dollars Twenty-Three Years
Where people go when housing gets too expensive

Clark Howard Show

05:33 min | 2 years ago

Where people go when housing gets too expensive

"Have a question for me go to clark dot com slash ask coming up later i am so excited about initiatives going on around the country to reintegrate great people who have done the crime and done the time back into society we all benefit and i wanna tell you something that's been a bug from me for a long time it's finally starting to be fixed in so many places i wanna talk right now about something that has defied solutions for a good while in that is there are a number of locations specially on the coast warehousing has gotten so expensive that people are going the desperate means to have a place to whip i don't know for most of us this is inexperienced we can't even relate to but in some of the highest cost cities in the country people are subdividing small apartments into living quarters for as many as four or five different front individuals her family units living in one bedroom apartments they use things like cardboard boxes dividers or a curtains as dividers in people work crowding outing in crazy numbers in in places by the water people were following an asian model in more and more people are living in crummy boats these are not fancy boats that people were going out for a joy ride or fishing and these are things that are barely seaworthy dilapidated boats that people are living in usually without access to the heat or cooling or normal sanitary capabilities just because housing has gotten so bad in this is gonna really blow your mind there are places where a silicon valley is one that's done this from time to time where they run all night buses in people are using the buses is a place to sleep phil they go to work the next day in many times these people with jobs that pay was considered to be decent amounts of money these are tough ways to web an i want you to know they're in such a strong job market in the country that if you can relocate there are so many cities in the country the vibrant dynamic have fast growing labor markets where housing is so much more affordable a lot of places in the midwest have a lot of really solid job markets in very affordable housing sing i think about somebody i talked about a while back about people who were moving from northern california to kansas city in where in northern california there is never a prospect that be able to move from in an apartment life joe living in a home they own in they might move to kansas city make less money but be able to own a home and establish roots let's end the story of jacksonville florida was that occurred because of a horrific event in the united states the september eleventh terrorist attacks tax the purpose of part of what all kind of hope to do at that time was to destroy the banking sector the united states in so at that time they will is ultimately a requirement that banks thanks i go from having one headquarters area that could be vulnerable to attack did decentralizing and that's why the big financial houses the brokerages the banks have decentralized facilities that if one area was attacked and another would still be able to operate and that's why you may call a company based in new york or san francisco or wherever and you're telling the people in phoenix denver or jacksonville or whatever and in jacksonville a lot of the new york area banks offer employees transfers to these alternative operations in jacksonville and they have to take a pay he cut maybe twenty five thirty percent and they line up to do it because the quality of life in the housing situation is so much better from living in the tristate area but they do it so we don't move like we used to but the housing costs problem specially in the mid atlantic and northeast and on the west coast is so severe that a way to improve your quality of life maybe do what people have done throughout american history just not lately pick up and move

Twenty Five Thirty Percent
"clark dot com" Discussed on News 96.5 WDBO

News 96.5 WDBO

13:55 min | 2 years ago

"clark dot com" Discussed on News 96.5 WDBO

"Main website Clark dot com, and we whenever you have a question for me. Checkout. Clark dot com slash ask. You'll see where you can check a box that we'll give you an opportunity to ask me your question directly on the air. So we have had an ongoing battle royale in the United States for probably now going on fifteen years about when somebody is legally employees, and when they're an independent contractor, probably the most famous case involving it concern FedEx package delivery service that has these independent contractors that do package delivery under the branding think it's referred to FedEx home. And if I got that wrong FedEx, I'm sorry. But these independent contractors have been in this battle, not all of them with FedEx through court after court after court as to whether or not these folks really are independent businesspeople or truly should be FedEx, employees and. There are so many areas of the economy with this come up now, you may not have heard but in California. Do you know this court has ruled that a lot of people that work for at base things like lift really should be treated as employee's and not as independent contractors the state set a standard. There was pretty simple that made it very difficult for someone to qualify as an independent contractor because it said that if you are central to a company's business or the company tells you what to do then you're a worker not an independent contractor. So let's think about this in the context of lifter over. Well, if there was no lift driver, Uber driver. There is no lift or Uber that was the standard court us, and this comes up, and so many things if somebody's working in a chain hair salon, and there styling your hair, cutting your hair, usually they are an independent contractor responsible for all their own stuff. But are they really? Because the company schedules tells them when they work and all that. So I'm not smart enough to tell you the answer that, but I will tell you that. I saw the smartest answer I've ever seen to this years ago. And it was a proposal for us to have a third classification. So right now, we have worker we have independent contractor and the divide between those two is so stark, I think about when when big corporations lay people off, and then the next week you see the same people back with an independent contractor badge. And then those people have no vacation, they get no benefits anymore. Anything like that? And the company feels smug and brilliant because they have this very well trained, former employees doing the same job here. She did before but effectively thirty percent lower costs. I mean that is really a rook job. Right. So the idea is to have third category. Dependent contractor, which is if an employer wants the ability. To our have people work for them and the workforce grow in shrink over time. But at the same time, the employer really is deciding the scope of work, you do when you're supposed to report and all that there should be this inbetween. Dependent contractor that has a mix of the rights of employees and some of the rights that employer wants to be able to shrink and grow their workforce. The most efficient way possible. I know a lot of people hate an idea like that that removes either or, but it seems this battles going on so long in the United States that we do need a third way for people to earn a paycheck. Barbara's with us on the Clark Howard show, Barbara okay? This is weird. I have had a nightmare before before going on a trip of what was a real life nightmare for you. You forgot your passport. Took a cruise, and it was going up the California coast. So we weren't sure we needed to put passport. But yes, we did forget, our passports. So they wouldn't let you board. I assume. Board we shifted that. But we were told that if we got copies of our passports, they would allow us on the cruise. So they had to go to a special area and started calling friend today came into our home got the passport. And was ready to send the copy, and we didn't have a fax number. They said, well, okay. Here's the facts number. But now you can't use the past for you have to have a copy of your birth certificate. So that got changed. And this is after time went by. We call the friends again, they go back and go through are safe and gather copies of our birth certificate, and we. To the number. They gave. So we waited and the first time the peer staff person came by. I did you get our fact and she said, oh, no, I'll go look. So we waited and the second time she came by. I said did you get our fat? Oh, yeah. I'm gonna go look now. So, you know time is going by. And we kept being told as long as you get your documents here before the ship sales will lead to get on your telling me that no matter what you never were able to board that ship. Exactly, we never were able to board because they never so -posedly got a copy of the tax with our friends have a copy of the report from the printer saying they did were you able to join the ship at the next port and California. Or did you just go home and give up? Do we said we'll get to San Francisco, which is your second. Stop. We'll have our passports, you know, overnight. There will the ship. We'll get on there there. There were six of. And I should know they would not allow us to do that. All right. So and they made you eat the money for the cruise for all six of you and said life stuff, and then you die, right? Well, we weren't together. But there were other couples in their in their documents in bold and all the cruise lines have a sentence like this. It says no refunds will be given to individuals who fail to bring proper documentation. Correct. And so have they given you any kind of credit towards a future booking? Okay. And that is common. I would become a registered user of cruise critic dot com. And get on there and tell your story tell about all the effort to you did the cruise lines monitor very closely. What people put on cruise critic and see if that doesn't get you some kind of alternative response from the cruise lands. You can't make up that trip you missed, but maybe you can get a credit towards another one. I'm really sorry. The good news Barbara's you've told everybody else. How you gotta make sure you bring depending on the cruise person shift kit, and or passport to go on a cruise. Chris is with us on the Clark Howard show. Hello, chris. Doing great. Thank you. Chris you have student loans you want to exit from your life. Definitely the goal. So the other factors playing in. I love the work that you do. But I work in the tax attorney in Austin, Texas and a song baseline salary. I'm so jealous of you was that what you have in and out burger what a burger and Amy's ice cream all within walking distance of each other. And I've got the green belt there that my dog, and I like to enjoy all the time too. Yeah. Couldn't be a better place for young person to live. And so when I was talking about traffic Austin is a poster child for a metro area that has become just show CT with traffic. So any other way to get around is obviously preferable to sitting in a car, isn't it? And I've actually just recently started using the metric system there. And it would take me about forty five minutes to get home from work. Now with the bus lanes. I'm home and twenty minutes. So that's been change in a little time every week to by the way, both my brothers went to the university. Okay. So what's going on Chris with the student loans? So like, unfortunately, most folks that attend school have about two hundred thousand in student loan debt which currently in managing but not making too much more than the minimum payments on. Fortunately at another factor too. I stand you know, unfortunately to inherit around two hundred fifty thousand dollars calling the death of a family member. Oh, sorry. You're losing a loved one. Appreciate that. Thank you. And then kind of the third factor is that I'm interested in in real estate and potentially using a portion of that to go the down payment, what would become passive income source through a rental property or Airbnb property? So what it does just? Yeah. You're you're the man you're the expert wanted to to get your thoughts on what the the most rational economic decision would be there to your student loans for wa- school or carrying interest rates of six to seven percent is that about where they are. Blois three, but in some eight, okay. Yeah. So the effective rate around six though, I would be a fan of you. If you're because of this loss of a loved one, you're going to have enough money to zero out all your student loans. I think it's worth doing that. You think so I think it's worth clearing the decks and not having any payment to make any more any obligation you'd still being left with fifty grand to put his down payment on an investment property. You think that would get the complication often that it's obviously an expensive market to buy desirable properties. Well, I mean, you know, I mean, let's face it with the growth and Austin, you have to be willing to go into more marginal areas that you have reasons to believe because what's happening Jason to them. They're going to be less challenging. As a lawyer. You may be too busy to do the amount of time that you really need to do to identify a property producer. Joel here has three rental properties. Now and spend endless hours driving around neighborhoods looking at listings online listings on his phone on apps on his phone. I mean, you really have to order to Dennis in a high cost market. You have to spend tremendous hours really digging in and getting to know one area before it makes sense to buy because you're not doing yourself any favor in a market that's escalated in value like Austin, just buying a pretty house, a you tie with a bow and turning new rental property. You've gotta find areas that are more chancy more iffy. But the prices are such that. You can turn a positive income every month forward on a rental property. So that's one take a lot more time than you might think to really get to know, the nuances of areas neighborhoods and streets before you buy rental property and a high cost area. You're listening to the Clark Howard show. Now. Now, the three big things you need to three President Trump vowing to fight back against every subpoena should by Democrats the US house over by president Joe Biden reportedly jumping into the twenty twenty race tomorrow with an online videos, he joined over doesn't democrat candidates who are running in the search continues for twenty year old faith cap nerd, Saint Cloud is she was last seen at a WalMart on Friday. The third annual Puerto Rican parade and festival. Saturday. At noon on the corner of orange and concord in downtown Orlando, the prayed enjoy.

FedEx Clark Howard United States California Austin Chris Barbara San Francisco Orlando president Joel Dennis producer Joe Biden WalMart Airbnb Amy Texas Blois
"clark dot com" Discussed on WTMJ 620

WTMJ 620

02:04 min | 2 years ago

"clark dot com" Discussed on WTMJ 620

"At Clark dot com. Twenty four seven three sixty five you're up and atom every day. So you don't want something like Medicare Part Gita slow you down at Walgreens, we'll take care of your Medicare Part d prescriptions, saving you time and money. Make the switch to Walgreens today and get more by earning one hundred dollars reward points and save up to five dollars on each Medicare Part d prescription. When Walgreens is your preferred pharmacy, Walgreens, trusted since nineteen o. One prescription save is a bus engineers when he thought the preferred versus non preferred pharmacy on select plans points, New York jersey, Arkansas other restrictions. Limitations apply. Let's think about customization presented by Liberty Mutual insurance. Liberty Mutual customizes your auto insurance. So you only pay for what you mean. So why can't more things unlikely, customizable? Why can't I buy Neopolitan ice cream without strawberry? Can I just have the chocolate and vanilla flavors of comfortable with people even wanna fruity ice cream flavor of sandwich, right between the classics go to Liberty Mutual dot com for customized quote, and you could save. Coverage is underwritten by Liberty Mutual insurance company and affiliates. Equal housing. Bucks play here striving on Derrick favors around. Throw it down the right hand, slam Janas radio WTMJ. You never have anything to wear. That's why I stopped Saint Vincent appropriate stories. Whether it's a designer jeans and adorable, scurry accessories. I always seem to find something I like. I love ws women's clothing accessories, for far less than you thought possible. Stories on highway one hundred enlightening greenfield and twenty thirty Lincoln in Noah. Since. Join WTMJ each week for the nineteenth annual home improvement showcase will feature several of southeast..

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"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

02:03 min | 3 years ago

"clark dot com" Discussed on Clark Howard Show

"Just the same right i have i've had the same experience they've been successful more than they have not in terms of buying online but yeah correct that's that's a great method so you you try them and i bet you'll like them but get your first pair to satisfy your fears and you'll save money anyway here on the clark howard show remember you can ask questions so many ways we're here to serve you and whatever method serves you best you impose to question for me clark dot com slash ask and then we'll post question for you on the air ask it right here on the air with joel asking joel who do you have an ask clark from clark victoria road and she says do you have any info for people that are looking for a non smartphone plan yes non smartphone plans are very easy to get now and very very cheap although you may have a smartphone to use the plans which is weird right ring plus is something that has made a lot of people very happy ring plus has plans where you get a few hundred minutes a month and pay nothing for monthly service to plans at ten dollars a month republic wireless has been a company has made people ultra happy republic wireless dot com ring plus is ring plus dot net and both of these are very very inexpensive services that have very high customer satisfaction in their user base so if you're looking for the cheapest deals out there that aren't data oriented these two are the best going are archie rotating says clark i know you've talked about simply safe but i already have a wired system in my house you have any tips for saving on monitoring with that current system great question there are cup.

joel republic wireless clark howard archie hundred minutes ten dollars
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:50 min | 3 years ago

"clark dot com" Discussed on Clark Howard Show

"This occurring to me on the fly but just like in the aftermath of the equifax data breach we have a a privacy thing for your credit information that we have bookmarked at clark dot com slash equifax maybe we need to do one clark dot com slash facebook in with these privacy issues that you just be able to know that address i wanna see if we can that's going to work for us and pull that off for you pat is with us on the clark howard show hi pat hi pat i love here we are about to ask me because this is something that i never know when i talk about something when somebody actually does it hit me what's yes i'm here okay i losing their guy so what's the scoop that you want to ask me about well i got burnt years ago with one of the company's trying to hang a damage on a car that i didn't cause and got out of it okay but after that i started taking pictures which i know you also recommend but i never know how long is saved when can i discard them how long do i have to keep them i'm a terrible human being i take the pictures of a rental car when i walk around it if there's any damage on it when i first pick it up i take pictures of it of course they're obviously time coded from smartphone and then when i return a car i either shoot a short video walking around the car or i take a number of pictures of the car and because i use google photos which has unlimited storage for life for free.

facebook clark howard google
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

02:07 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Glad you're with us on the clark howard show words about you and your money i want you to learn ways for me to keep more of what you make clark dot com is our web address via the pressure for me clark dot com slash ask i ask you are you aware you can get free off the air advice nine hours every week day it's a service of the clark howard show has been for nearly twenty five years on the main page of clark dot com on your smartphone or on your computer laptop you can see how to call win for the free off the air advice and win those nine hours are each week day for you for that free advice coming up and a half hour i have a special advice for you dealing with the i r s you don't wanna miss that and thirty minutes talk right now about something that feels like as yogi berra would say deja vu all over again it's been a long time now going back to the era when it was the thing to do to steal music and there were any of a number of music services to use the term services in a neutral way that were involved in being gateways to stealing music and it got to the point where it was so common the people listen to music for free fit people didn't even realize anymore it was stealing today the way you listen to music has changed dramatically people paying in big numbers for spotify or apple or a number of other music services or they're listening to adsupported ones like the free version of spotify or the free version of pandora.

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"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:34 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Is a great benefit and go to whoever writes your homeowner's or auto and get a quote from them for doing an umbrella policy in have finding maui side for ask clark that's where producer joel ask a question you posted for me at clark dot com which got clark owl wants to know what are the pros and cons of getting a reverse mortgage will reverse mortgages where instead of you writing a check to the mortgage lender each month they write you a check in the simplest version the pro is that if you're tapped out you're house rich cashpoor you have no other resources to drawn you're not worried about your kids inheriting the value of your house it allows you to remain in your house longer in your house to find a portion of your retirement the bad side a reverse mortgages is the fees on them are in many cases extreme and you limit your options and that you eliminate the ability for loved ones to inherit but the big thing is that any reverse mortgage sits legit you'll have to go through financial counseling first to make sure is the right choice for you thanks for joining us here on the clark howard show where it's about your empowerment with knowledge so that you can save more and spend less and don't let anyone ever rip you off clark dot com is our web address clarke deals dot com his where you go to save money.

maui clark joel clark dot com producer clark howard
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

02:33 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Visit us at clark dot com i think you'll really like what we're doing every day on our website to provide you with information to protect you to inform you and to enrich you and you got a question for me check out clark dot com slash ask auto and home owners insurance are not the most exciting things in the world but what they can do to your wallet takes away excitement you could use money for for other things and there's a new report from insurance quotes dot com that is so instructive in so important for you because except in three states which are california maryland in massachusetts insurers can rely on your credit score to determine what they want to charge you for auto in homeowners and in this case for a home owners insurance if you have average credit normal credit you pay for ensuring the a dinner coal house you pay roughly forty percent more for homeowners insurance on average then someone with a great credit score no listen this if you have a bad credit score you're charged one hundred fifteen percent more for homeowners insurance then someone with good credit insurers are convinced that the number one most important factor and what you're charged for insurance should be your credit score because they are also convinced the someone with a late payment to visa is gonna burn down their house or something it is bonkers and i have from time to time people from the insurance industry furious with me in saying i just don't understand.

maryland massachusetts insurance industry california homeowners insurance one hundred fifteen percent forty percent
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie
"clark dot com" Discussed on Clark Howard Show

Clark Howard Show

01:41 min | 4 years ago

"clark dot com" Discussed on Clark Howard Show

"Out for on my website a clark dot com i think you would also be great if you sat down with somebody and is example fidelity investments or troll schwab or maybe both of them okay and then the other he won't sit down with somebody but i would deftly talk to somebody is van guard okay so i'm giving you a part time job and what you're talk with three independent financial people right like you to talk with three of the big financial how's is that i really trust so right yeah van guard if you were to use them more charge you roughly a third of a point per year to manager money for you and there are pretty much but what was cost to do that and i am typically the feel many financial planner sometime belt will charge you one per se out to do so each year after you decide with twenty one to go with another worse right argue that you right okay so the i want you to talk to three of those type of people van guard schwab for delanie meet with all six okay and van guard again the meeting will be by phone the others will all be in person and then make your best decision from those six sources who would be where you would feel the most comfortable having somebody manage this nest ike for you and again pat i'm really sorry about.

fidelity investments schwab delanie