The Latest from Clark Howard.

Mentioned in Clark's Videos and TV/Radio Consumer Minutes:

Mentioned on the Clark Howard Show:

Friday May 28 
Camera distraction takes you out of the experience
Big banks sue to deny your right to sue them. ClarkRAGEOUS
Commercial displacement = TV product placement
Clark Stinks
Job perks for success- Enlightened self-interest

On the Calls:
Save on airport parking – Avoid valet risks. Use airport shuttles or check with airport hotels.
                                               Search ‘discount airport parking (city name)’
Saving for retirement  - How much do you need? Formula: Can you live on 3.5 - 4% of what you’ve saved per year?
2 kinds of annuities that make sense
How to max Social Security benefits
Choosing the right life insurance – Premium life policies cost more. But - 
                        -Your premiums are returned with interest IF you pay in full the entire 20 – 30 term.  
Record, Paperwork and File Keeping | Clark Howard
Reverse mortgage should be a last resort. Outrageous fees involved. to find the credit union for you. 
Car buying vs. leasingNew car leasing 101: A plain English explanation | Clark Howard
Carmax has a ‘data correction process’. Consider checking the Carmax report on your car before selling it.
When selling a home, pay for an inspection. Fix what’s wrong – present the report and repair history to potential buyers. 
DO NOT Refinance at a giant monster mega bank. You’ll pay  higher rates & closing costs & may get an inaccurate appraisal.
Child Identity theft – credit freeze  - - run a free child scan

Thursday May 27
Whole Foods' 365 discount store
Online security
Young savers learned recession lessons well
Affordable highter education - Maryland's excellent innovatoin
Declining birth rates: pros, cons, and preparation for jobs

On the Calls:
Mortgage insurance - The worst insurance in the world
Investment Guide
Debit card dangers
Beware scholarship search rip offs - Fastweb – an authoritative source on college scholarships 
Life Insurance Trust – can appoint a trustee to fulfill your inheritance wishes.
When not to contact your insurance company | Clark Howard
Credit Score Guide
Go Save Young Investor: $1000 to get into the Vanguard Star FundRoth IRAs

Empowerment Zone – Meet Laura –Financial  Power of Attorney for a mom with Alzheimer’s. With the help of the SEC, Laura rescues her mom's money from a high commission stock brokerage firm, and puts it into a low cost investment company. We must be on guard for our loved ones.  


Wednesday May 26
Amazon denies/ends price matching - Walmart ends price matching in 500 stores 
FTC Warning: Bogus Zika protections 
Rage rooms
Food waste becomes a profit opportunity 
Advocating for customer service 

On the Calls: 
Travel planning and booking guide  -  International Travel Tips
Buying a used car  - Leased cars being turned in at a high rate. This and next year ideal to buy a 3 year old car,
                                 Have it inspected by a certufued mechanic of your choosing. Check Consumer Reports reliability ratings.
Most reliable 2013 models for used car buyers
Roboinvesting – Schwab Intelligent Portfolios recommended. 
How to find a fee-only financial planner | Clark Howard
Credit Freeze
How much to save each month to have $1million in retirement
Home warranties 
Cheap internet
Medical tourism - has a forum on dental care in Costa Rica. Caution- research.  

Tuesday May 25
Wells Fargo and other mobile payment apps
ATM duplication scam
Sport's Authority's closing sale
Sports Safety: NFL to student athletics 
Broadband internet via satellite

On the Calls: 
529 Plan Guide –   Coverdell accounts offer way to pay for private school | Clark Howard
Large transaction: No cashier’s checks. Buyer & seller should meet at buyer’s bank with bank officer.
                     Do bill of sale, title transfer. Banker issues seller a real check.
                     Or, bank-to-bank wire transfer from out-of-town buyer to seller’s account.
Stuck with Iraqi dinar -  cut your losses and sell to a currency dealer vetted thru BBB. If it’s worth nothing,  hold on to it.
Debt collection
Annuities generally not recommended. Consult
Credit cards and store cards
Best insurance companies
How to fix errors on your credit report
PMI – MIP insuranceMortgage refinance
5 ways to stay safe banking online | Clark Howard
    Use a separate computer for financials – a used, factory reset device could work. 

Monday May 23
Upcoming interest rate increases
Cruise line won't release video of child injury to doctors
New overtime rules
Product labeling vs. bans - Soft drink prices may go up 
Memorial Day weekend and summer gas prices 

On the Calls: 
CreditKarma  -  Building Credit
Investment Guide -  ETF GuideWhere can you turn as a small investor
– Schwab’s Broad Market ETF - commission free with low expenses
Real estate - FSBO or agent listed owner financing: Do credit checks as part of the application process.
                     Get 30% or more down payment.   
Electric cars
Save $ on merchant processing – PayPal ok for small volume but considered merchant unfriendly. 
Cell phone serviceCheap cell phone guideTracfone: $8.00 a month
Why you need to turn paper statements back on | Clark Howard
– Keep a current year’s worth & year-end statements from previous years.
This savings strategy led to an early retirement at age 33 | Clark Howard – Live on half of what you make.
8 dos and don’ts for young workers planning an early retirement | Clark Howard

Friday May 20
Custom food machines
Full commission stock brokerage theft
FedEx + ebay's online selling service
Clark Stinks 
Load mutual funds

On the Calls:
Insure items stored in storage facilities or Pods
Investment Guide  - best clearinghouse for TSBs (technical service bulletins) – known defects. 

Thursday May 19
Social media shaping the marketplace 
Ransomware scams 
Tello - New low cost customizable cell provider
Auto trends and deals
Sites that analyze and help reduce your monthly bills

On the Calls: 
Credit reports, scores and CreditKarma
Identity Theft Guide
Beware the inheritance email scam. You did not inherit $millions, after all
Homeowners insurance
Dangers of putting monthly bills on automatic debit | Clark Howard
AnnualCreditReport.comCreditKarma -
Vehicle leasing – may be the best option tax wise for business use.
Tracing the family tree: Ancestry.comGenebase - National Geographic Society’s Genographic Project
                                         -Mormon Church data bases 
Car rental for summer travel
Password clearinghouse sites
Investment Guide

Wednesday May 18 
Gene Rx - a new approach to treating cancer
Airline luggage space apps
Used and refurbished electronics
Smartphone ecommerce
Education and income 

On the Calls: 
Reward credit cards – 2% cash back from Citibank double cash / Fidelity Investment’s cash-back Visa.
Life and disability insurance. PolicyGenius -  Mortgage disability insurance not recommended
529 Plan Guide
Budgeting app –Mint is free and recommended.
4 cheap senior medical alert systems | Clark Howard
Car Rentals
Term lifemulti-insurer shopping services include  Accuquote
How to buy a vehicle – Look into  USAA, Costco, Sam’s Club, TrueCar buying services.
Reverse mortgages – Last resort option. See a financial counselor first and comparison shop.
Building credit
How to raise your credit score | Clark Howard

Tuesday May 17
Nearly half of sunscreens don’t meet the SPF claim on the label | Clark Howard
These made in the USA military and American flags are a great deal! | Clark Howard
Carpooling via the Waze app - electronic hitchhiking 
Findface app pierces privacy
Automated long-haul trucking

On the Calls: 
Investment Guide
Cheap tablets: Register for Fry’s Electronics coupon codes -
                        Wal-Mart sells tablets under $50 . Add memory with SD cards.
Deed in lieu for a timeshare -  Have a lawyer look it over.
Fake check scams use perfect looking counterfeit checks. Don’t be fooled. 
Do not pay at the pump with a debit card – Go inside to pay or use a credit card.  
Cut pay TV bills   
With high speed internet, cut phone costs with Ooma. Otherwise Straight Talk Home phone - $15 a month
Hard inquiry stays on a credit report 2 years but only affects a score for around 6 months  
Can open a Roth IRA and put it in a Target Retirement Fund  

Monday May 16
DISH Pay TV Deal
Scam ads online
Money saving moves from Wal-Mart & Amazon
FTC rules on optical Rx - Is your eye doctor breaking the law at your expense?
Experiments to eliminate tipping fail. 

On the Calls: 
Investment Guide  
Buying a used car  – certified pre-owned is a marketing term. Always get an inspection by an independent certified mechanic.  
Deal-A-Day and Coupon Code Sites -, owned by Amazon, is just about the deal. Don’t expect customer service. –research savings rates
Business owners – complicated lives required a will via an attorney.
Cruise – shore excursions – Go to first to check excursion rankings.

Friday May 13
Real estate is transforming
"Natural" cosmetic warning
Summer Airfares
Clark Stinks
Jobs begging for workers 

On the Calls: 
Debit card dispute – Go into branch to fill out proper form. Dispute the incorrect merchant charge to have overdraft fees removed.
Buying real estate inside a 401K – not recommended due to tax ramifications.
Full coverage or just liability on your auto?
How to buy a used car can verify an internet bank is insured.  Bankrate tool shows best rates on CD’s
Fake check scam –You’re sent a check on pretense, told to keep some and wire a portion. It never clears. You pay.
Medical billing: Check if your doctor’s lab is in your coverage.
                           Doctors select their own labs – patients are left with the consequences.
                           Negotiate with the lab based on the covered price. Provide documentation.
                           Ask the Dr.’s office to negotiate on your behalf.
DIY travel planning – TripAdvisor  -  Rick Steve’s travel guides for Europe 
International Travel Tips: Money, Mobile & Booking | Clark Howard
Electric car revolution -  Pay condo association to defray charging costs. Automaker can provide documentation of usage/costs. 

Thursday May 12
Homebuyer Warning: Contracts for deed 
Credit card bank imposes the right to repossess purchases
Dull investing pays better 90% of the time
Airbnb Warning 
Americans increase savings to 6% - Saving just a penny per dollar can make a big difference | Clark Howard

On the Calls:
Ignore student loan repayment solicitations. Go to the source -  / Federal Student Aid  
New ways to pay down your student loan debt | Clark Howard  
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
The non-deductible ‘back door’ Roth IRA
Fee only financial planner -  - Garrett Financial Planning
Paying Off Credit Card Debt | Clark Howard
Do NOT routinely carry your Social Security card with you.
Wallet stolen: Identity Theft Guide  – Credit FreezeFree Credit Report Guide
Posting reviews – guidelines
Travel booking and planning guide
Inherited timeshare – a liability. You can renounce that part of the inheritance.  
Homeowner’s Insurance: Take on highest deductible. Have adequate liability. Shop best insurers.

Wednesday May 11
The wall separating content from advertising is breaking down. Information awareness
Wal-Mart vs. VISA debit dispute
Airport security lines - Tips for getting through quicker
Rx price control
How ordering Domino's daily saved a man's life

On the Calls: 
Investment Guide
VW owners: Join a class action or contingency lawsuit?  Not recommended. Wait for the buy-back offer coming soon.  Ride it out.
Volkswagen admits they may have to buy back diesel cars | Clark Howard
Unwanted magazines coming to home and business – call to cancel. – No one can promise to completely eliminate negatives on the web
Data caps: Higher speed service, the higher the limit – the less likely to go over data cap. Data caps are a temporary problem, headed for extinction
Everything you need to know about getting cheap prescription glasses online! | Clark Howard
Self-driving cars – have a ways to go, to handle unforeseen circumstances including bad weather  

Tuesday May 10
Alterative energy savings 
Sizzling Deals
Frozen vegetable recall expands  -  and expands
Top 10 best & worst cities to start your career
New Wells Fargo business loan offering 

On the Calls: 
The new  Citibank Costco card
Reward cards  -  CreditCcardTuneup – assistance reaching customer service
Homeowners insurance -
Auto insurance for professional drivers – varies by company. Consult your insurer.
Military Charities Guide
Do NO ecommerce on your dedicated financial computer.
Car loans
Roth vs. Traditional 401(k): Which is Right For You? | Clark Howard
Investment Guide
Free TV streaming boxes priced around $300 sold at road shows – illegal. 

Monday May 9
Uber & Lyft drive out of Austin over driver security proposal
Big banks vs online, app-based financial tools
Discounted to free music streaming
Netflix data cap solutions 
New ID verification 

On the Calls
Government grants scam morphs into hacking to pose as relatives on social media. Beware.
Travel Booking and Planning GuideInternational Travel Tips
Have a dedicated computer for financialsChromebook a good, affordable choice.
Non-deductible Roth IRA
Ooma  recommended. Buying the warranty – not recommended  
Craigslist  job hunter tip: Only follow-up with companies that post their name.  Don’t submit SS# online.
Building credit  -   Avoid establishing a credit history at your own risk  

Friday May 6
Variable Pricing
ATM Warning
Home selling - strategies
Clark Stinks
Interest bearing checking accounts 

On the Calls:
Outside Fannie Mae, Freddie Mac or Harp re-fis, search online your lender’s name + multi-state settlement.   
Furniture9 ways to buy discounted furniture – Costco has 2 furniture sale events per year
Best insurersUSAA,  Amica MutualAuto-Owners
Handling your money overseas
Paying off a home equity line – find original paperwork that spells out what fees can be charged. New loan owner can’t charge additional fees. 
529 Plan Guide
Extreme  -  Caution: don’t overbuy. Buy things on sale AND with coupons, and only what you will use or donate.
5 tips to help landlords find good tenants
Landlord insurance coverage – Real estate investor clubs may offer discounts on attorneys specializing in LLCs. Or get an umbrella policy

Thursday May 5
Joel makes his Will
Antibiotic misuse
Duty free online shopping
Consumer victory over bank arbitration - Will it now be easier to sue your bank? 
E-cigarette update - regulation

On the Calls: 
Student Loan GuidePaying off student loan debt
Rental property owners can set up a separate operating account.
529 Plan Guide  
For high-income earners: The back door Roth or nondeductible IRA
International Travel GuideTravel Booking and Planning GuideClark’s Travel Deals
​WikitravelTripAdvisor  to plan a trip.   WowAirNorwegian  discounters to Europe…
Buying a used car/SUV
No cost refinance
LLC recommended for rental properties if great wealth is involved. Otherwise, an umbrella policy is more efficient.
Credit FreezeTax Identity Theft
VW diesel buy backs -  Unknown as yet how this will pay out. 

Wednesday May 4
Google & Chrysler to create self-driving minivan
Discounter Norwegian Air stifled by DC and the Big 3
Court ruling on Amazon in-app purchases. 
First American cruise to Cuba in half century
Largest recall in US history adds 40 million more airbags 

On the Calls: 
IRS phone scam - Tax Identity TheftCredit Freeze
Investment Guide – Roth IRA target retirement fund - GarrettPlanningNetwork -
CruisingCostcoTravelTravel Insurance Guide
529 Plans are only for eligible college expenses.  The  Coverdell can be used for private school K-12 OR college
Resources: Education / Student Loans / Financial Aid
Best dollar value for HD 4K TVs  – 55” screens   $329-400 for off brands.
Cut the cord - SlingTV &  Digital antenna for local channels
Partial move – less than a full household - – Auction site. Check bidder reviews.
Pay off highest interest debt first.
Roth vs Traditional 401K

Tuesday May 3 
Airport security delays - prepare
$5M lawsuit claims Starbucks iced coffee has too much ice
Hulu streaming
Manufacturing and job training
Metlife penalized on variable annuities

On the Calls:
The fake check scam now targeting small non-profit charitable organizations. Beware!
Investment Guide
529 Plan Guide
Creditkarma register for free – track your score  -  How to fix errors on your credit report
Is gap insurance worth it when buying a car? | Clark Howard\
Car accidents
Student Loan Guide
DuoLingo – free online language learning  
Cutting the TV cord and DVR -   The Channel Master DVR  -  Tablo  -   TIVO requires a monthly subscription
Replacement protection plans are generally not needed. The devil is in the details of the small print.
Solar power
Capital One sends over-tipping and bill alerts

Monday May 2
PSAP (Personal sound amplification products) hearing devices 
Starbucks arbitration
Return to simpler pre-smart phones
Hospital refunds
2016 employment & pay trends 

On the Calls: 
Nurse practitioners help save money on medical care
Landlord info
Mountain & lake 2nd home deals. Avoid buying raw land.
Teen drivers
Avoid a pre-paid vacation presentation. If you’ve really won something, you don’t have to hear a sales pitch.   
Cruise deals
Selling a car on Craigslist – Scammers want to deal sight unseen. A real buyer is often local. Buyer pays seller at their bank
                     with a real cashier’s check.  Generate 2 copies of a Bill of Sale. You sign over title.  A wire can be legit as well.

Friday April 29
Microworkouts can work
Overdraft "protection" is a rip off
Device addiction solutions
Clark Stinks
Computer coding courses

On the Calls:
HELOC  & home contractor advice
NOTE: BOLT app for free international calling - is changing.  
Inheriting an IRA has arcane rules. Seek tax advice before the transfer.  
Buying a used car: Manufacturer’s warranty preferred, if any. If you could afford a big repair, skip the warranty.
Only take out a Federal loans – Student Loan Guide
Some Ransom sites have moved overseas. Don’t pay
Merchant (Credit card bank) initiated monthly credit inquiry does NOT affect your score.
Overseas travel – Make sure you have a credit card without foreign currency transaction fees. Determine fee free ATMs
International Travel Tips: Money, Mobile, Booking
Using cells outside the U.S.

Thursday April 28
Discount fares to Europe
Tax burden  a recommended app when car buying
Self-cleaning laundry
T-Mobile and Metro PCS offers 

On the Calls: 
EPA on air duct cleaning  -  Consumer Reports recommends air duct cleaning in the presence of mold.  
Index Universal Life (IUL) policy or Annuities – NOT recommended. Fueled by massive commissions.
   A simple balanced index fund will outperform this, no commissions.  Term life covers the insurance part best.
Years behind on filing taxes: Best to come forward having reconstructed your info with an enrolled agent or tax CPA. 
SquareUp and Paypal payment devices offer no customer service. A new player will. – Help with customer service 
How to sell old toys: Consult specialty dealers at antiques malls. Research price points on EBay. 
HELOCs and home equity loans
Student Loan Guide
Buying eyeglasses -  For quality, purchase from a private optometrist or Costco. For price, go online.
Don’t be fooled by fake emails

EMPOWERMENT ZONE – HARRISON’s impressive path to his dream career.
         Strategies: A willingness to leave a chosen field to gain experience, put quality of life over pay,
    and particularly – to seek informational interviews and continuously cultivate contacts. Make and keep connections. 


Wednesday April 27
Cheapest and easiest ways to do a will
Sizzling Deals -
Apple's stock plunge - Individual stocks 
This app will help curb spending
96-year-old becomes body builder and runner

On the Calls:
Credit Freeze and Thaw Guide
Investment Guide
529 Plan Guide
Insuring non-refundable airfare: Airlines offer limited coverage. Can go wider at
AM Best database rates insurers
Solar Power
April in Paris? May or September is even better.  Set up a fare alert at Kayak. Use TripAdvisor to build itinerary.
Travel Planning and Booking Guide - How to score the best deals 
International Travel Tips: Exchanging Money, Overseas Mobile Connections & Booking
Travel Insurance Guide

Tuesday April 26
Food companies reformulate
Detergent pod warning (it's gotten worse) and a recommendation
Chip card update. Where NOT to use a debit card
Charter/Time-Warmer cable merge - consumer outlook
Crowdfunding sites - Warning

On the Calls: 
For sale by owner – pros and cons
Vacation Club pitched on cruise is no better than a timeshare. They should offer an unconditional $ back guarantee.
Extended car warranty  
​Work from home guide  -  Mystery shopping programs are often fraudulent 
Investment Guide
Car repair or replace
Unload a timeshare through an LLC ? NO unless you spend 3 years trying to rent it out.
Homeowners insurance

Monday April 25
VW's U.S. diesel buy-back
Big bank savings accounts
Employment outlook
RIP OFF ALERT- Life insurance
Prom Spending

On the Calls:
Early Retirement
Opt out of junk
Rebuilding credit – CreditKarma
Medical Alert systems  – Assistive Technology Services
Invest in oil? High risk. Look at energy industry ETFs to be well diversified in that sector.
Tip overage: Photocopy receipt with smartphone. Discuss mistake with owner.
                      If no resolution, dispute charge with credit card company.
Digital antennas : 40 to 60 channels free - no monthly fee
Free international communication: Choose from WhatsApp, Viber, Skype, TextPlus
Term life and disability insurance -

Friday April 22
Best mobile price and service
Standardized testing
Chatbots for ecommerce
Clark Stinks
New recycling tech

On the Calls: 
Fee only financial planners
Obamacare / Affordable Health Care Act Guide
Retirement guidance  -  Social  retirement calculators  to help determine when its best to collect SS.
Peer-to-peer investing (Prosper, Lending Club) – Divide investment into several loans to minimize risk 
IRS debt  – Consult an enrolled agent licensed as IRS tax expert to make a reasonable offer and compromise. – get free copies of reports only. Don’t buy what they’re trying to sell.
CreditKarma – free score monitoring providing the Vantage score, a  joint venture of the credit bureaus to compete with FICO
Credit Freeze and Thaw Guide
Solar Power! -  Buy rather than lease if you can. 

Thursday April 21
Apartment rentals - your negotiating power now
ATM Skimmer Warning 
Studen Loan Forgiveness
Self Publishing Guide
Entrepreneurial collaboration

On the Calls:
Go to CASH ONLY to keep credit cards paid down
Health Savings Accounts
AirbnbMasters Rule with app -  Also recommended: use an old fashioned check register.
529 Plan Guide – Prepaid plans must be backed by the full faith and credit of the state 
Life Insurance
Home SecuritySimpliSafe -  EMC’s are offering no-contract security services  -  Free installation with contract? NO  
Medical Tourism has an international accrediting body. Dental Tourism does not.
                             Research and get references to establish trust and credibility. Negotiate with dentists state side.
Mvelopes may be a good budgeting tool for spendaholics.
Car rentals under age 25 surcharged. Look into Zipcar and Relay Rides –now Turo
Hearing devices

Wednesday April 20
Cord cutting pay TV - new offers from Amazon and Sling
Update: contact lens price fixing coming to an end
Mobile only internet with unlimited data plans
New malware rips business accounts
Innovations in customer convenience

On the Calls: 
Email phishing scams
Co-signing is dangerous – Monitor your credit:  AnnualCreditReport.comCreditKarma
Investment warning: Company stock in retirement plan
Electric cars 
Investment Guide
Pet insurance and care – Beware exclusions.  Ask your veterinarian
Tax lien business purchasing – Warning: Only experts should attempt this.
Repair your credit  
How to buy gold funds

Tuesday April 19
Auto safety technology and insurance
The dirty death of coal
What it takes to retire young 
Used vehicle leasing - NO! 
Parental money mistakes - Teaching kids about money -

On the Calls: 
AirBNB & VRBO renting – Make sure the property has many pictures and reviews.
Unwanted magazines: Contact each one directly to cancel. Retailers may sign you up without permission
Cheap prescription eye glasses
Mugshot websites
Timeshares  - Pay an organization to unload it? NO. Results in ruined credit, lost money. Join the timeshare users group –
Virus, Spyware and Malware Protection Guide  –  Mobile security:  Lookout
How to fix errors on a credit report  -  Quizzle offers free credit monitoring
Student loan forgiveness  -  A joint account is potentially risky when either party has credit issues.
ConsumerAction from TeamClark  directed listener to  ConsumerFinancialProtectionBureau  Credit card fraud PROBLEM SOLVED

Monday April 18
2 phone scams: Checking email on your smart phone warning! And The one ring scam
Phoney auto insurance agents 
Public Wi-Fi safety
Turtle investors win
New hotel booking strategy

On the Calls: 
Self-Employment   -  Investment Guide  -  Target Retirement Funds
Safety Tips: Scan wallet/purse contents & keep 2 copies in a safe, the cloud or on a flash drive.
                    Beware license plate theft for the purpose of  stealing gas.
                    Stay aware of your surroundings. No SITUATIONAL AWARENESS leaves you vulnerable. 
Google wallet going away – Alternative: Capitol One 360  - AMX Bluebird  - both lend themselves to parental oversight. 
Fee-only financial advisers -  -  Garrett
Student loan debt  -
Do a Will
TSBs – Technical Service Bulletins or “Secret recalls”  on vehicles
Faith-based organizations paying for your health care
529 Plan Guide
Credit card balance transfer
Car Rentals – use Expedia matrix – Autoslash will check for lower rates – Check again the week before you go for lower rates…  

Friday April 15
High employment cities - America's boomtowns
IRS PIN protection flaw
Postmates Plus Unlimited delivery option
Clark Stinks
Student loan job perks - Avoiding student loan debt

On the Calls: FHA rules  - qualifying for a mortgage after bankruptcy. Speak with an FHA loan specialist
Shop to compare cable vs. phone company for internet and TV.  Ooma  offers full telephone services
Solar Power
Home warranties
Paying off credit card debt
Credit Freeze  – No unified process for married couples. Must do it separately
Buy a 529 plan direct – NOT through a financial adviser!
Insurance/Protection plan from furniture store? NO

Thursday April 14
GOLD! Warning
Fake cancer charities - Charity Giving Guide 
U.S. primary care physician (PCP) shortage
End of life planning in the digital space
America's future

On the Calls: 
529 plan guide  
Elio  - Pioneers take the risk. Wise to wait and see.   
Checkout 51  savings app is legit. Couponing
Investment Guide
Exchange Traded Funds (ETF) Guide  -  Charles Schwab – a discount stock broker with their own ETF’s – clearinghouse for scholarships

Wednesday April 13
Clark's customer no-service experience - a moral dilemma
Bank's coin-counter found skimming from customers!
Student makes his own braces & straightens teeth with 3D printer. DIY tech disruption
We're still not safe from the big banks
AT&T + DirecTV bundle deal

On the Calls: 
Tax ID theftID Theft Guide - Credit Freeze – Do a ID theft police report
Coverdell college savings accounts can be used tax free for private school as well as for college
Summer travel planning - – Search travel apps on -
Home warranties
HSA accounts – many high cost providers with the exception of Vanguard
Burglar alarm buying tips or DIY with SimpliSafe
Reverse mortgages
Timeshare scams 
Ooma for business  -   for affordable business phones. 

Tuesday April 12
Tax Day is not April 15 this year!
Starbucks Rewards
WhatsApp encryption
Eye exam & vision correction technology
John Oliver nails credit reporting absurdities

On the Calls: 
Identity Theft Guide    -
New Costco credit card
Check fares to connecting cities, then to destination. Now, booking flight legs separately can be way cheaper. 
Investment Guide  -  track your score.
Credit Score Guide
Paying off credit card debt
Credit cards far superior to debit cards  
Find low cost flip phones & androids on eBay or  -
Landlord  Umbrella Policy  should be with same company as primary liability

Monday April 11
Avoid the Netflix rate increase -  Roku's new streaming stick
New fare gouge on multi-city flights. How to 'break the fare' 
RIPOFF ALERT - A special Google search warning
YouTube marketing
Mortgage rate lows

On the Calls:
Plenti – Multi-platform reward program
Best cell plans for unlimited data: Check Boost Mobile (sub-brand of Sprint) and Metro PCS.
Don’t shut down unused bank credit card accounts. They help your score. 
Student loan guide
Business lines insurance protects equipment – consult agents for referral  - The legit site for free reports,  but note marketed services on site. Not recommended. Get free report only.
Social Security spouse benefits
Warning: Counterfeit check scam encountered on LinkedIn


Friday April 8
HSA Plans
Bogus product claims - Expensive 'natural' cleaners - warning
Savings apps
Clark Stinks
YMCA excercise lifestyle support

On the Calls: 
Small business financial protections
TripAdvisor for port internet café locations. -  renting a sat phone  
Frozen credit – don’t pay for credit monitoring. Also, free monitoring at CreditKarma
Convert timeshare week to points?  NOT recommended.\
Car loans
Determine retail car value at
Struggling and need help for your pet? Pet food bank – Daffy’s Pet Soup Kitchen

Thursday - April 7
Cash only spending
Self-lacing shoes
Contract workers
HELOC warning
Young entrepreneur creates JacksStands

On the Calls: 
Student Loan  -
Credit Scores – CreditKarma.  Vantage score has almost no market value right now.
Investment Guide
Collections   -  Apps can help you record calls. 
Auto insurance
Discount hair styling at beauty schools
New box springs recommended with every other mattress purchase
Car selling scams

Wednesday - April 6
Retirement Invesing Victory
Beware fake news and reviews
Smartphone online shopping - Warning!
Navigating the hiring process
Life insurer health initiatives

On the Calls:
Best to use credit cards when shopping online
Elder Care – Running out of funds for nursing home costing $110,000 per year - Look at non-profit or religious based Medicaid facility. free file  - if you have simple taxes. -  free to use.  CreditKarma – free score monitoring
Tax ID Theft  - IRS ID theft tool  - Identity Protection  -   Freeze your credit

Tuesday - April 5
Minimum wage, income inequaltiy, and the job skills gap
Wells Fargo made to pay for overdraft abuse
NFL streaming via Twitter
Posted calorie counts 
New broadband service disclosures borrow from nutrition labels

On the Calls: - Guidance for entrepreneurs.  
Costco Visa card
VW Diesels for credit card debt and budget counseling

Monday - April 4
Tesla - Sedan deals
Post office boots blind broom seller after 60 years! 
Warning: Tax scams rev up to deadline - CEO email scam
Natural gas oversupply and summer power bills
Verizon prepaid service - Cheap cell phone plans  

On the Calls:
New laws that will affect Social Security benefits in 2016
How to get the maximum Social Security check
Avoid automated toll fees on car rentals – Use prepaid toll readers (E-ZPass - PlatePass )  - Apps with toll avoidance option
Variable Universal – Provides plan analysis and recommendations.
New Costco card