Clark Howard

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People are spending a lot of money on #vehicles these days. And they tend to take out #loans a lot longer than I want you to take on. #42monthrule #autoloans #carloans #carbuyer #carbuying #buyingacar #carshopping
You’re going to have the same #credit profile you present to different lenders, but the same profile person could see very different offers based on how hungry that particular #lender is for business. #creditscore #creditreport #creditcard #loans #borrowing #borrowmoney
#Lenders have enough scoop on you that if they see changes in a pattern — things that wouldn’t normally show up in a normal accumulation of data with @Equifax, @TransUnion and @Experian_US — they may make a decision that hurts you or helps you. #creditscore #creditreport
#Lenders are evaluating you based on your #payment patterns, your charge patterns and how you handle the #credit you have. And there are things that may not be apparent with traditional credit scoring. #creditscore #creditreport #creditcard #loans
#Lenders got really scared starting March of last year and shut off people’s #credit, reduced their lines, all that kind of stuff. But there’s something bigger and deeper going on, and that is that lenders are assessing you differently one to another. #creditcard #creditscore
I'm a big fan of @ArloSmartHome. The Arlo is a wireless camera system for indoor or outdoor use. And get this: It requires no electrical hookup! It uses lithium batteries instead, just like electric cars do. #homesecurity #diy #security
You’re not stuck with the check cashers or the #paydaylenders. There are more and more places for people that are alienated from #banks or unbanked to be able to do the equivalent of #banking and not get cheated. @Chime @petal #creditscore #creditrepair
. @Chime has done a great job of eliminating the junk fees and pain points you’d have with a #bank. #banking #creditscore #creditrepair #creditcard #customerexperience
One of the ways that #banks have treated people the worst is the way they handle people with no credit or a history of bad credit. They either want nothing to do with you, or they do these slimy, #ripoff, high-fee secured card plans. #banking #creditscore #customerservice
When I do a full load of #laundry, I use a teensy tiny amount of #detergent - a shockingly small amount of detergent. #HighEfficiency washer, high-efficiency detergent, tiny amount of detergent, wash in cold water. #savemoney #energy #energyefficiency #saving
The #USeconomy is not going in the toilet. There are no conditions right now that would say that’s where we’re headed. #optimism #stockmarket #inflation #investment #investments #investingtips
Something @Google and @Apple don’t want you to know is that you can download an app to your iPhone or @Android and then go to the website of the provider and sign up for service and avoid the ripoff 30% add-on. #appstore #apps #googleplay #savemoney
Rolling your #creditcarddebt into your #mortgage sounds like a good idea but - first, you’re taking debt that’s against your name and putting your #home at risk. Second, you’re making that existing #creditcard debt an obligation for 30 years. #debt #homeownership #homeowners
It’s up to you to make sure your #creditreport is accurate. The #creditbureaus sometimes make mistakes — as do companies that report your activity to the bureaus. #credit #creditscore
Target Date Fund is the ultimate in ‘set it and forget it’ #investing — and could be the best and easiest #investment choice you ever make. #invest #savemoney #retirementplanning #retirement #saving #savingsgoals
Don’t say, ‘I just can’t afford that’ until you’ve found out if you can get a #bargain. #savemoney #savingsgoals #saving #discount #discounts #discountoffer #deal #deals #personalfinance #financialplanning
If you use an app like @GasBuddy, you’re able to see right on your phone right near where you are the cheapest price for a gallon of #gas. #gasprice #fuelpricehike #fuelprices #savemoney
If you have to replace a #vehicle in today's market, you’re nowhere. Because If you sell one at an inflated price, you have to buy one at an inflated price. #usedcar #usedcars #sellingacar #carforsale #cars #inflation #carmarket
You have to be willing to stop the inertia of what you’ve always done and get on a new path for something better and cheaper. #savemoney #savings #saving #spendless #spendlessmoney #cheapie #cheap #personalfinance #moneymanagement #finance #financialliteracy
Print out a #mortgage #amortizationschedule. When your monthly statement comes in from the #mortgagelender, just reference the balance showing on it vs. what it shows on the #amortization schedule. And if it matches up, you’re good - you can throw the statement away. #homeloan
Wanting to save for your kids’ #education is great, [but] you shouldn’t save a penny for education unless you are already #saving the maximum you can for your own #retirement. #parenting #parents #college #studentloans #student #students
. @mint has stood the test of time and will help you categorize your spending in so many different ways, and so much of it is done automatically to help you get control of what you’re up to. #budget #budget2021 #budgeting
Try a #store brand just once the next time you’re at the #supermarket. If you like what you buy, you #savemoney that time and every time going forward when you buy it again. #grocerystore #grocery #groceries #savings
Buying #tires has never been so cost-competitive, so it’s very important to comparison shop. Service after the sale is really important, especially if you live in a city with lots of #potholes. #tires #carmaintenance #maintenance
Doctors have no idea what #prescriptions cost. So a doctor will write a prescription based on what they think is the best thing for you. But maybe you can find something just as good that instead of costing $100 will cost you $4. That is a big difference! #savemoney #pharmacy
The cost of #prescriptions is a terrible burden on people and is costing a lot of people their lives. A third of all prescriptions written are abandoned before being filled because you just flat-out can’t afford that prescription. #pharmacy #healthcare #healthinsurance #medicine
There’s a massive wave of #consolidation going on where #banks are gobbling up banks, trying to bulk up and get some meaningful size to them. And it is likely that sometime by maybe 2025, we’ll have 15 banks that account for 80-90% of all #banking activity in the United States.
It’s a brutal time to be a buyer of a new or used vehicle. #newcar #usedcar #carbuyer #carbuying #buyingacar #autoloan
The best #insurance you can have for a #cellphone is to put a protective case on it and a screen protector - and not buy any insurance. Or you can use a #creditcard that comes with cell phone protection for FREE. #savemoney
Roller Coaster ups and downs in a #currency happen because its NOT REAL. Even if someone claims they’ve made a fortune in #cryptocurrency, so what. How many stores take it? Can you pay your bills with it? #cryptocrash #invest #investors #bitcoin #dogecoin #investing
The best way to #donate a non-working #vehicle is to sell the vehicle just for its parts, and it will bring you more money than you’re going to be able to take as a #tax deduction. Then take that #money and donate it to the #charity you want to donate it to. #donation #donations
Many people will experience a ‘tax time bomb’ - you’re getting a #ChildTaxCredit month-by-month that are gonna post into your account by direct deposit. And then when you go to do your #taxreturn next year, you’re going to have to pay the money back in many cases. #taxes
I see no reason for anybody at any time to ever do #banking with the "Big Four" {@WellsFargo, @BankofAmerica , @Chase and @Citi} under any circumstances. #bankaccount #banks #onlinebanking #creditunions #creditcard
The @IRSnews has millions of pieces of mail they haven’t even opened yet. They are understaffed, and the last two tax seasons, because of #coronavirus, have really fouled up their operations. #taxes #taxrefund #incometax
Times of #inflation are NOT a time to run away from stock #investing. It's actually one of the safest harbors to be in during an inflationary time. #investments #investment #investmentideas #stocks #stockmarket #stockstowatch #investors
Putting #money in an I bond is not #investing. It’s a method of #saving and it gives you a way of knowing that #inflation isn’t eating your money up — because you’re kicking past inflation. #bonds #savingsbonds #savingsgoals #stockmarket @nytimes clark.com/save-money/i-b…
⛽ Usually when we hit the week after the #FourthofJuly, that’s the peak for #gasoline prices for the year — that’s the usual. This year is not going to be usual. #gasprices #gasprice #gaspricehike #fuelpricehike #fuelprices #fuelprice #gasolina
You want to be careful putting yourself in a position where you assume that your loved one, your partner, your spouse, got great attitudes and use of #money - and you add them as an authorized user to one of your #creditcards. #marriage #creditcard #relationship #relationships
if you ask me what is the starter fund that’s appropriate for someone who’s got a little bit of #money or a lot of money, the @Fidelity Zero funds fit — but only if they have a long time horizon. #stockmarket #investing #investingtips #investment
Simply by putting #money in the @Fidelity Total Stock Market Zero and the International Zero would give somebody incredible diversification and cost them nothing in commissions or expenses. #stockmarket #investing #investments #investingtips
What interests me about @YouTubeTV is the unlimited DVR and the versatility with how many people can be watching at the same time and how many individual accounts you can have. #streaming #streaminglive #streamingnow #streamingtv #livestreaming #tvtime #television
I hope one day that tech companies in America will borrow a page from Europe and let users have the freedom to choose the level of privacy they want their devices to have without having to take extra steps. #dataprivacy #dataprotection #datasecurity #cybersecurity
The advantage of #fractionalshares is that you can own a lot more — a bigger variety — of #stocks than you could with the same amount of #money. #stockmarket #investing #investments
The only thing you can do with money that’s going to sit for a relatively short period of time like next year, is to put it in an #onlinesavingsaccount where — at best — you’re going to earn only half a percent on your money. #savings #savingstip #onlinebanking #savemoney
I'm on the #CelebrityEdge. None of us will ever get an experience like this again. Being on a fully staffed, big #cruise with so few passengers compared to normal means, there is a tranquility and level of service that is outstanding and abnormal. @CelebrityCruise #vacationmode
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