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podcasts: The Clark Howard Podcast

Money expert Clark Howard shows you practical money-saving ideas to help you Save More, Spend Less, and Avoid Ripoffs. He helps you keep more of what you make and invest your money wisely.

Most Recent Episode:

2.15.19 Smart appliances invading your privacy; Clark Stinks

Topics: Smart appliances could be invading your privacy thanks to lax standards from the manufacturers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here








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Posted: February 15, 2019

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More Episodes:

2.14.19 We live in a subscription culture; Auto insurance shopping; Going to college is risky

Topics: Companies have brought back the subscription model in full force. Is that good for your pocketbook?; Auto insurance shopping can save you lots of money. But how do you go about it?; Going to college can make you a lot more money over your working lifetime. But the costs of college can also create massive risk in your life.









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2.13.19 Risky home loans; broker kickbacks; Eyeglasses are super expensive

Topics: Risky home loans are back. Avoid them at all costs; Incentives lead brokers to steer you towards pricier investment options; Clark talks with David Lazarus of the LA Times about why eyeglasses are so expensive. 

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2.12.19 Best supermarkets; Disney prices increase again; Lab-grown diamonds

Topics: The new supermarket rankings are out. We've got a lot of low-cost grocery options in the United States!; Prices to get into Disney parks have increased yet again; Lab-grown diamonds are a great and low-cost alternative to buying diamonds the traditional way.







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2.11.19 Valentine's Day savings; Negative online reviews; Parents paying for college

Topics: How can you do Valentine's Day well without spending too much? Clark tells you; Negative online reviews are annoying. But what if they come from a business competitor?; More and more parents are putting a cap on what they will pay for their child's college education. This is a good thing.










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2.8.19 State lemon laws vary widely; Clark Stinks

Topics: Lemon laws are different in every state. But new ratings are out detailing which states have the best ones; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here

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2.7.19 Safeguard your ID while traveling; CFPB waters down payday lending rule; Paid leave

Topics: Clark gives you practical info for how to safeguard your electronic devices while traveling; The CFPB is back tracking on rules for payday lending standards; Paid leave is a hotly debated topic in this country. Clark talks about a few employers doing things differently and weighs in on how he thinks we should change pay leave policy in America.

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2.6.19 Earned income tax credit; Instacart pay problems; Car dealers have more inventory on the lot

Topics: Don't forget to claim the earned income tax credit if you qualify!; Instacart is catching flack for not paying its workers enough; Car dealers have more cars on the lot. Could that mean a potential deal on a new vehicle for you?

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2.5.19 Economy worries increasing; Teacher grants wrongly converted to loans; Walmart offers enhanced sick/PTO pay

Topics: Worries about the short-term economic future of the USA are being felt acutely by American small businesses; The department of education has erroneously converted teacher grants into loans. But there's a potential fix for affected teachers; Walmart's new sick/PTO policy is good for its workers

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2.4.19 Best streaming options; Shrinking packaging; When to file an insurance claim

Topics: Clark discusses some of the current best streaming options - including a free on for local TV; One company was just sued over misleading packaging. Clark tells you what to look out for; Many suffered home and vehicle damage because of the recent polar vortex. But should you file an insurance claim?

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2.1.19 Clark and his daughter talk about cheap weddings; Clark Stinks

Topics: Clark talks to his daughter Rebecca about how they were able to cut wedding costs (and pay down their debt at the same time). Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here

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The Latest News Headlines

  • A Georgia father has been arrested after deputies say his 2-year-old ate meth.  Keith Edward Teubner Sr. of Spalding County was charged with cruelty to children in the second degree, possession of methamphetamine, possession of marijuana and other charges.  >> Read more news stories  Deputies were called to WellStar Spalding Regional Hospital on Thursday on reports that a child had eaten methamphetamine.  Deputies got a warrant for Teubner's home on Greer Road, where they found drugs in the bedroom, authorities said. Deputies also learned Teubner knew his child had ingested the drug but didn't seek medical care, authorities said. It's unclear who took the toddler to the hospital.  The child was turned over to the Division of Family and Children's Services. 
  • It’s an important election cycle in Duval County, with Mayor, Sheriff, 15 City Council seats, Property Appraiser, and Tax Collector all up for a vote.  FULL LIST: Candidates for office in Duval County WOKV is bringing you the information you need to get ready for Election Day. How the Unitary elections works There are two election days coming up, March 19th and May 14th. March is not considered a primary, rather it’s the “First Unitary Election”. It’s an important difference from what you generally consider a primary, because in Florida, partisan primary elections are closed to only voters registered in the party on the ballot. This First Unitary Election is open to all voters regardless of party registration, and you will be able to vote in all of the races that are relevant for you based on where you live- and therefore which City Council District you’re in- not your party affiliation. You can get a sample ballot, which lists all the races that you will vote on, through the Duval County Supervisor of Elections website. Some races will be settled in the March election. If, in a race, a candidate does not get 50%+1 of the votes, then the top two vote-getters advance to the General Unitary Election in May, where a winner will be decided. While you do not have to be registered with any specific party to participate in these elections, you do have to be registered to vote. The deadline for that is February 19th for the March election, and April 15th for the May election. The Duval Supervisor of Elections website has more information about how to register to vote. Vote-by-mail To vote absentee in March, you must request a ballot be mailed by March 13th at 5PM. That deadline for the May election is May 8th. Military and overseas voting has different deadlines, with full information also on the Supervisor of Elections website. If you are going to vote-by-mail, it is incredibly important to ensure how you sign your name matches the signature on file with the Supervisor of Elections, because that is how your identity is confirmed, and therefore how your vote is counted. You must fill out a signature affidavit if there is a signature problem, including a mismatch or missing signature. You can avoid the problem outright by contacting the Supervisor of Elections Office ahead of time to verify your signature. Vote-by-mail ballots must be received at the Supervisor of Elections by 7PM on Election Day. If you have a completed absentee ballot, you can either mail it or turn it in at the Supervisor of Elections. If you received an absentee ballot but decide you want to vote on Election Day instead, you can turn in your vote-by-mail ballot to any early voting site or polling location, and cast your ballot in person. Early voting and Election Day For the March election, early voting takes place over 14 days- Monday, March 4th through Sunday, March 17th. May election early voting begins Monday, April 29th and lasts through Sunday, May 12th. The locations are open 8AM through 5PM weekdays and 10AM through 6PM weekends.  There are 19 early voting sites, and you can vote at any of them, regardless of what precinct you would normally use on Election Day. Among the locations, early voting will be held at the University of North Florida and Edward Waters College for only the second and third time- in March and then May- after being first done in November. There are 199 precincts where voters cast ballots in Duval County on Election Day. To find the one you vote at, you can check on the Supervisor of Elections website.  Whether voting early or on Election Day, you must show a current, valid picture and signature ID, which can include a Florida driver license, US passport, Florida ID card, or similar forms.  Provisional ballots If there are any problems with your ballot, including if you do not have a photo and signature ID,  you will be issued a provisional ballot. If the provisional ballot relates to an ID issue, the ballot will be compared to your voter registration record by the Canvassing  Board. If your ballot deals with any other issue, like you were at the wrong precinct, you will be able to present evidence of your eligibility.  You can check the status of your ballot on the Supervisor of Elections website.
  • As the investigation of a quadruple shooting in Northwest Jacksonville continues, police now say the situation escalated from a planned fight. JSO responded to Elizabeth Powell Park on Redpoll Avenue Thursday night following reports of a shooting. Police initially said several people were gathered at the basketball courts when a fight broke out and several people on scene shot at each other. In all, a 14-year-old and a 24-year-old were killed, and two other people suffered non-life threatening injuries. Investigators now say the fight was actually planned in advance between two female acquaintances who were in an ongoing dispute. JSO says people learned about the fight and gathered to watch, and several ultimately got involved. Some of those spectators then pulled guns and started shooting. In light of this, JSO says they do not believe the shooting was random. Police are asking for any information you have, including asking people who were at the park or watching the fight to come forward. If anyone has video of the fight or has seen posts on social media, they’re asking those people to let them know. You can contact JSO at 904-630-0500 or JSOCrimeTips@jaxsheriff.org. You can also submit an anonymous tip and be eligible for a possible $3,000 reward by calling Crime Stoppers at 1-866-845-TIPS.
  • A gunman opened fire at the Henry Pratt Company, a valve manufacturer in suburban Chicago on Friday, killing five people and wounding at least five police officers before he was fatally shot, police said. >> Read more trending news Officers arrived within four minutes of receiving reports of a shooting and were fired upon as soon as they entered the 29,000-square-foot manufacturing warehouse, Aurora, Police Chief Kristen Ziman said in a news conference. Update 6:45 p.m. EST Feb. 15: The chief of police says five people were killed and five officers were wounded in a shooting at a business in suburban Chicago. Aurora Police Chief, Kristen Ziman, identified the gunman as 45-year-old Gary Martin. Ziman says the gunman was also killed. The five police officers that were injured in the shooting are in stable condition according to the Chicago Sun-Times. Update 5:15 p.m. EST Feb. 15: A spokesman for the coroner’s office says at least one person is dead following a shooting at a business in suburban Chicago.  Kane County coroner’s office spokesman Chris Nelson says at least one person was killed in the attack Friday afternoon at the Henry Pratt Co. building in Aurora. Update 4:45 p.m. EST Feb. 15: A city spokesman told WGN that at least four police officers were injured.  Police have not said if anyone else has been injured. Update 4:15 p.m. EST Feb. 15: Initial reports indicate that the shooter has been apprehended, but the area is still on lockdown. Update 3:55 p.m. EST Feb. 15: A man who said he witnessed Friday’s shooting told WLS-TV that he recognized the person who opened fire at the Henry Pratt Company. The man told WLS-TV that the shooter was one of his co-workers. Update 3:50 p.m. EST Feb. 15: Police confirmed they are continue to respond Friday afternoon to an active shooting reported in Aurora. Update 3:45 p.m. EST Feb. 15: Citing preliminary reports from the scene, the Daily Herald reported several people were injured in the ongoing active shooter situation reported Friday afternoon in Aurora. Police did not immediately confirm the report. Update 3:40 p.m. EST Feb. 15: Authorities with the Bureau of Alcohol, Tobacco, Firearms and Explosives are responding to the reported shooting, officials said. Check back for updates to this developing story.
  • President Donald Trump declared a national emergency Friday to fund his promised wall on the U.S.-Mexico border after Congress passed a bipartisan border security bill that offered only a fraction of the $5.7 billion he had sought. >> Read more trending news  White House officials confirmed Friday afternoon that Trump also signed the spending compromise into law to avoid a partial government shutdown. Update 3:25 p.m. EST Feb. 15:A lawsuit filed Friday by an ethics watchdog group aims to make public documents that could determine whether the president has the legal authority to invoke emergency powers to fund his promised border wall. In a statement, officials with the nonpartisan Citizens for Responsibility and Ethics in Washington said the group requested documentation, including legal opinions from the Justice Department’s Office of Legal Counsel, to determine whether the president wrongfully used his emergency powers. “President Trump’s threatened declaration of a national emergency for these purposes raised some serious questions among the public and Congress that the president was considering actions of doubtful legality based on misstated facts and outright falsehoods to make an end-run round Congress’ constitutional authority to make laws and appropriate funds,” attorneys for CREW said in the lawsuit. >> Read the lawsuit filled by the Citizens for Responsibility and Ethics in Washington  The group said it submitted a Freedom of Information Act request to the Office of Legal Counsel last month and that it got a response on Feb. 12 that indicated authorities would not be able to expedite the request or respond to it within the 20-day statutory deadline. “Americans deserve to know the true basis for President Trump’s unprecedented decision to enact emergency powers to pay for a border wall,” CREW Executive Director Noah Bookbinder said in a statement. Officials with the American Civil Liberties Union said the group also plans to file suit. Update 2:30 p.m. EST Feb. 15: Trump has signed a bill passed by Congress to fund several federal departments until September 30, White House Press Secretary Sarah Huckabee Sanders confirmed Friday afternoon to The Associated Press. Update 12:35 p.m. EST Feb. 15: Senate Majority Leader Mitch McConnell, R-Kentucky, accused Democrats of playing partisan politics in refusing to fund Trump’s border wall. “President Trump’s decision to announce emergency action is the predictable and understandable consequence of Democrats’ decision to put partisan obstruction ahead of the national interest,” McConnell said. Democrats have repeatedly voice opposition to the border wall, which critics say would not effectively address issues like drug trafficking and illegal immigration, which Trump purports such a wall would solve. Update 11:25 a.m. EST Feb. 15: In a joint statement, House Speaker Nancy Pelosi, D-California, and Senate Minority Leader Chuck Schumer, D-New York, condemned what they called “the president’s unlawful declaration over a crisis that does not exist.” “This issue transcends partisan politics and goes to the core of the founders’ conception for America, which commands Congress to limit an overreaching executive. The president’s emergency declaration, if unchecked, would fundamentally alter the balance of powers, inconsistent with our founders’ vision,” the statement said. “We call upon our Republican colleagues to join us to defend the Constitution.” Update 11:10 a.m. EST Feb. 15: Trump said he’s expecting the administration to be sued after he signs a national emergency declaration to fund the building of wall on the southern border. “The order is signed and I'll sign the final papers as soon as I get into the Oval Office,” Trump said Friday while addressing reporters in the Rose Garden.  “I expect to be sued -- I shouldn’t be sued,” Trump said Friday while addressing reporters in the Rose Garden. “I think we’ll be very successful in court. I think it’s clear.” He said he expects the case will likely make it to the Supreme Court, the nation’s highest court. “It’ll go through a process and happily we’ll win, I think,” he said. Update 10:50 a.m. EST Feb. 15: “I’m going to sign a national emergency,” Trump said. “We’re talking about an invasion of our country with drugs, with human traffickers, with all types of criminals and gangs.”  >> National emergency likely to be blocked by courts, DOJ tells White House: reports Update 10:25 a.m. EST Feb. 15: Trump will declare a national emergency and use executive actions to funnel over $6 billion in funds from the Treasury Department and the Pentagon for his border wall, Cox Media Group’s Jamie Dupree reported. “With the declaration of a national emergency, the President will have access to roughly $8 billion worth of money that can be used to secure the southern border,” Acting White House Chief of Staff Mick Mulvaney told reporters in a call before the president’s announcement. >> From Cox Media Group's Jamie Dupree: White House: Trump using national emergency and executive actions for border wall Update 10 a.m. EST Feb. 15: Trump is expected on Friday morning to deliver remarks from the Rose Garden on the southern border after White House officials said he plans to declare a national emergency to fund his border wall. Update 10 p.m. EST Feb. 14: At 10 a.m. on Friday, President Donald Trump is expected to deliver remarks from the Rose Garden about the southern border. >> From Cox Media Group’s Jamie Dupree: Congress passes border deal as Trump readies emergency for border wall The White House announced earlier that Trump will declare a national emergency that would enable him to transfer funding from other accounts for additional miles of border fencing. Update 9 p.m. EST Feb. 14: The House easily approved border funding plan, as President Donald Trump prepared an emergency declaration to fund a border wall. The bill also closes a chapter by preventing a second government shutdown at midnight Friday and by providing $333 billion to finance several Cabinet agencies through September. Trump has indicated he’ll sign the measure though he is not happy with it, and for a few hours Thursday he was reportedly having second thoughts. Update 4:30 p.m. EST Feb. 14: The government funding bill that includes $1.375 billion for 55 miles of border wall, passed the Senate with a 83 - 16 vote. The bill will go to the House for a final vote Thursday evening. Update 4 p.m. EST Feb. 14: House Speaker Nancy Pelosi says if President Donald Trump declares a national emergency at the border he’s making an “end run around Congress.” “The President is doing an end run around the Congress and the power of the purse,” said House Speaker Nancy Pelosi, who reserved the right to lead a legal challenge against any emergency declaration. Pelosi said that there is no crisis at the border with Mexico that requires a national emergency order. >> Trump's border wall: What is a national emergency? She did not say if House Democrats would legally challenge the president. But Pelosi said if Trump invokes an emergency declaration it should be met with “great unease and dismay” as an overreach of executive authority. White House Press Secretary Sarah Huckabee Sanders told reporters Thursday afternoon that the White House is “very prepared” for a legal challenge following the declaration of a National Emergency. Update 3:15 p.m. EST Feb. 14: Senator Majority Leader Mitch McConnell said that President Donald Trump is going to sign a border deal and at the same time issue a national emergency declaration. The compromise will keep departments running through the fiscal year but without the $5.7 billion Trump wanted for the border wall with Mexico.  The House is also expected to vote on the bill later Thursday. White House Press Secretary Sarah Huckabee Sanders sent a statement confirming that Trump intends to sign the bill and will issue “other executive action - including a national emergency.” An emergency declaration to shift funding from other federal priorities to the border is expected to face swift legal challenge. Update 12:40 p.m. EST Feb. 14: Trump said in a tweet Thursday that he and his team were reviewing the funding bill proposed by legislators. Congress is expected to vote Thursday on the bipartisan accord to prevent another partial federal shutdown ahead of Friday's deadline. Trump has not definitively said whether he’ll sign the bill if it passes the legislature. The bill would fund several departments, including Agriculture, Justice and State, until Sept. 30 but it includes only $1.4 billion to build new barriers on the border. Trump had asked Congress to provide $5.7 billion in funding. Update 9:55 a.m. EST Feb. 14: The more than 1,600-page compromise, made up of seven different funding bills, was unveiled early Thursday. It includes $1.4 billion to build new barriers on the border and over $1 billion to fund other border security measures. If passed, the bill would prevent a partial government shutdown like the 35-day closure that started after lawmakers failed to reach a compromise in December.  >> From Cox Media Group's Jamie Dupree: Five tidbits from the border security funding deal in Congress President Donald Trump has given mixed signals in recent days over whether he plans to sign the bill or not. He’s told reporters in recent days that a second government shutdown as federal workers continue to dig out from the last closure “would be a terrible thing.” However, Adam Kennedy, the deputy director of White House communications, told NPR that the president “doesn’t want his hands tied on border security.” 'I think the president is going to fully review the bill,' Kennedy said. 'I think he wants to review it before he signs it.' Original report: President Donald Trump is expected to sign the deal lawmakers have hammered out to avoid a second shutdown, CNN is reporting. >> From Cox Media Group’s Jamie Dupree: Trump hints at ‘national emergency’ to funnel money to border wall On Tuesday, Trump said he was “not happy” with the spending plan negotiators came up with Monday night, CNN reported. That deal includes $1.375 billion in funding for border barriers, but not a concrete wall, according to Cox Media Group Washington correspondent Jamie Dupree. “It’s not doing the trick,” Trump said, adding that he is “considering everything” when asked whether a national emergency declaration was on the table. He said that if there is another shutdown, it would be “the Democrats’ fault.” Trump also took to Twitter later Tuesday, claiming that the wall is already being built. >> See the tweet here The Associated Press contributed to this report.

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