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The Clark Howard Show

Weekdays 10pm - Midnight, Sundays 2pm - 3pm

Clark Howard

The Clark Howard Show

Radio Pocket Protector, Clark Howard. Howard has carved out a formidable following as the foremost authority on all things economic. In 1993, Clark opened the Consumer Action Center, a fully staffed service that answers consumers' questions located here in Atlanta, Georgia.

1.28.20 Google ad result confusing changes; Car insurance auto rates rising

Topics: Google search results now present in a way making it more difficult to distinguish between results and ads. Anyone can be buying those ads which could be scams, rip offs and fake companies. Legit ads are also there but you should know what’s an ad. There’s almost no delineation anymore to tell you something is an ad. “Ad” is in tiny type and they can be mistaken for search results. You need to know to look past those. Also, we generally don’t get past the first page of search results. Take more time to refine your search. Or use DuckDuckGo as your default search engine for clean search results, no tracking. MarketWatch reports a huge number of homeless veterans are eligible for special housing vouchers designed for vets from the Vietnam and first Gulf wars. 11,000 of the vouchers now go unused. Veterans need to know there is this great voucher program available from the VA. Make sure any vets you know are aware of the housing voucher program. Auto insurance rates have gone up roughly 50% in 8 years. For a time, fatality rates were way up due to device distraction, subsiding now with state texting-while-driving laws. WIRED points out a new pain point. If you’re cited for texting while driving your insurance rates will go up 20 – 25%. Another rate hike factor involves the high safety tech in cars today. Vehicles now have so many safety devices that accidents are less severe, happening less often. But ironically, a simple fender bender can render a vehicle totaled by the insurance company, as so much tech is in the fender, they don’t want to repair it. Often a single airbag will deploy, and they’ll total the vehicle out. All these totals is having an impact on rates. As vehicles turn over in the fleet, cars get safer overall. In 2021 Ford will install tech allowing vehicles to communicate. The problem of sun glare will be addressed by red light dash warnings. Safety measures so much a part of the future, will bend this curve on insurance rates. Learn more about your ad choices. Visit megaphone.fm/adchoices
Posted: January 28, 2020

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1.27.20 Coronavirus impact; FedEx email scam; FICO credit score changes

Topics: We face unknowns with the Coronavirus outbreak. Some practical matters to be aware of. Historically, odds favor the virus not becoming widespread in the U.S and Canada. The travel industry is in ongoing response mode. Isolation has begun with Chinese cruises generally canceled around affected areas. Airline policies vary including refunds on flights to China and other parts of Asia. The stock market - especially travel companies - are being hit hard right now in the wake of the Coronavirus too. FedEx and UPS have issued warnings in the last 24 hours to be aware of receiving a text or email claiming you have a package scheduled for delivery. These phony messages contain viruses. If you click and answer the questions, criminals get your personal info. Set up your own personal account with FedEx and UPS to receive for clear notifications that don’t require you to click to open. New factors will be weighed more heavily in the new FICO scoring model. Lenders are starting to get nervous as more people carry debt. Here we are with low unemployment yet more people carry debt. There are hundreds of credit scores. Even using the same scoring model, the credit bureaus will come up with different scores from different items on credit reports. These scores indicate a general direction. All this only amplifies previous advice about how to protect your credit reputation. Come up with an effective way to make sure every bill gets paid on time, every month. Also, lowering your utilization rate will be even more impactful moving forward. Learn more about your ad choices. Visit megaphone.fm/adchoices
Posted: January 27, 2020

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1.24.20 Clark's self-installed $8 a month security system; Clark Stinks

Topics: Clark’s quote for a modern home security system came in at $2700 + $25 a month monitoring or $300 a year. Meanwhile, Clark’s been touting self-install systems for years so he decided to give it a try. Clark looked at Nest, Ring and Simply Safe on cost and features. Clark bought the Ring system for $179 on sale at Costco, complete with motion sensors, sound alarm, enough door/window coverage & keypad. He already had Ring doorbells and cameras that would fully integrate - $100 a year for professional monitoring. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices
Posted: January 24, 2020

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  • Florida's St. Augustine Police Department said they are searching for the suspect who robbed a group of children at gunpoint at a popular park. The robbery happened at Project Swing park on Saturday around 9:30 p.m. Several signs at the park read, “For your safety, park is closed from dusk to dawn.” According to the report, the victims, whose ages are redacted, were sitting at the tables in the middle of the park when a man approached them and demanded money. In the report, one of the victims said the suspect pointed the gun into his chest when he told him he didn’t have any money. Police said the man took $16 from one of the victims before he tried to grab a backpack from the other. The victims told investigators when the suspect tried to take the backpack, they ran towards the parking garage for help. Detectives said the suspect took off running in the opposite direction toward Ketterlinus gym. By the time police responded, the suspect was gone. Investigators said they found a bag believed to belong to the suspect near the tennis courts next to the park. It was sent to the lab for DNA testing. Anyone with information on the suspect is encouraged to call the police department.
  • A 77-year-old man was punched in the face as he walked into a grocery store in Gwinnett County, Georgia, and now police are looking for the person responsible. It happened at the Kroger on Braselton Highway, and it all started in the fire lane in front of the store. It happened at the Kroger on Braselton Highway, and it all started in the fire lane in front of the store. The victim, who did not want to be identified by name, said on Jan. 23 around 4:30 p.m. he pulled up, saw someone parked there, and on his way inside the store, he said, “You're not supposed to park here.” Police said surveillance video shows a woman, who was in the parked car in the fire lane outside, go in the store, walk up to the victim and say something. Officials said a man who was with her then assaulted the 77-year-old man. “And the next thing I know, this jerk comes around and just cold-cocks me right flat on the floor,” the victim said. Witnesses told police they couldn’t believe it happened. The suspect took off and police are still looking for him now. There’s video of the assault that Kroger cameras recorded, but investigators said they’re not releasing it yet because the case is still open. “I had no idea he was even in the place until he came round in front and punched me,” the victim said. The incident is a reminder to shoppers that you may want to tell police when someone is doing something illegal instead of saying something to that person. You never know what they are going to do.
  • A bill sponsored by Utah Rep. Karianne Lisonbee, would restrict people from purchasing a hunting license if they aren’t up to date on child support payments. The “Fishing and Hunting Restrictions for Nonpayment of Child Support” House bill would prohibit “the issuance of a license, permit, or tag related to fishing or hunting if an individual is delinquent in child support.” According to KUTV, the bill would affect anyone who owes more than $2,500 in child support. Once a person is no longer behind on their child support payments, they can obtain a hunting license. If the bill passes, it will go into effect in the summer of 2021.
  •  For the first time, NBA superstar Shaquille O’Neal opened up about the death of his former teammate and friend, Kobe Bryant. Bryant, his daughter 13-year-old daughter Gianna, and seven others were killed Sunday when the helicopter they were traveling in crashed in Calabasas, California. O’Neal’s comments came at the start of TNT’s pregame show, as he sat on the court at Staples Center along with the rest of the network’s studio team. TNT was supposed to televise a doubleheader, but the NBA canceled the Lakers-Clippers game that was scheduled to be the nightcap because the Lakers organization is still too devastated after the death of Bryant and his daughter. I haven’t felt a pain that sharp in a while,” O’Neal said. Shaq said he was working out with his son and nephew, when another nephew walked into the room crying and showed him the phone. “I snapped at him,” O’Neal said. “I said, ‘Get that out of my face.'” O’Neal said he thought it was a hoax at first, and then he started getting phone calls from friends and other fellow basketball players. “Forty-seven years old, I’ve lost two grandmothers … lost my sister. And now I’ve lost my little brother,' O’Neal said. O'Neal and Bryant teamed to help the Lakers win three straight championships from 2000-02, but they occasionally feuded and O'Neal was traded to Miami in 2004. He would win another title there, while Bryant would win two more with the Lakers. O’Neal said his heart broke even more when he learned who else was on the chopper. “It’s sort of like a triple stabbing to the heart because after you cry and wonder about that, then I get back on the internet – Rick Fox is on the (helicopter). So now, I’m sick even more,” O’Neal said. “And then the final blow, his lovely daughter was with him on the helicopter.” They eventually patched up their relationship and O'Neal said they texted frequently, though he said he hadn't actually seen Bryant since the final day of his career in 2016. O'Neal said he told Bryant to score 50 points and Bryant instead scored 60. O’Neal said Bryant even checked in with his son Shareef, who underwent heart surgery in December 2018. “Shareef called me, devastated, and said Kobe just texted me to check and see how he was doing. And he used to do that from time to time,” O’Neal said. O’Neal said this year’s NBA Hall of Fame induction ceremony will be a solemn event. “The fact that we’re not going to be able to joke at his Hall of Fame ceremony. The fact that we’re not going to be able to say, ‘Ha, Ha. I got five. You got four.’ The fact that we’re not going to be able to say, ‘If we had stayed together to get 10,’ those are the things we can’t get back,” O’Neal said. O'Neal's comments were his first that were televised since Bryant's death. He had previously only posted on social media and spoken on a podcast. The Associated Press contributed to this story.
  • Last week, the head of a Chinese government expert team said that human-to-human transmission has been confirmed in the Wuhan coronavirus outbreak. On Monday, the Centers for Disease Control and Prevention recommended that people avoid travel to China. Here are some tips for travelers who may be making their way to or from China or other destinations:  Check the CDC website for updates on the outbreak The CDC has a dedicated page that is kept up to date with travel information to China, impacted transportation in China and status of medical care in the country. Maintain good personal hygiene According to The New York Times, passengers should avoid touching their faces and practice proper coughing etiquette, such as coughing or sneezing into an arm instead of your hands or the environment. The CDC recommends washing hands for at least 20 seconds. An alcohol-based hand sanitizer with at least 60% alcohol can be used when soap is not available. The Times also reminded travelers that seatbacks and tray tables are wiped down by ground crews, but cleaning them again with a disinfecting wipe is recommended. Lastly, try to keep a safe distance from anyone who appears to be ill. If you are seated next to someone who may be ill, you can ask a flight attendant to reseat you. Please note that they may not be able to accommodate the request. Do I need a mask while traveling? Dr. William Schaffner, a professor of medicine in Vanderbilt University’s division of infectious diseases, told CNN that the benefit of masks may be impractical. “The scientific basis showing that people in the community wearing masks actually has any benefit is very thin and questionable,” Shaffner told CNN. Schaffner also told CNN that U.S. travelers who are traveling only within the United States should not be as concerned about the virus. Other noteworthy tips Henry Harteveldt, of Atmosphere Research, told USA Today that travelers should consider keeping air vents open above the seat to improve ventilation but also noted that he aims them away from his body. USA Today also suggested bringing tissues with you to use to avoid touching door handles when you use the bathrooms on flights. Book a window seat. A study published in 2018 concluded that the window seat is more likely to keep a passenger away from people who might be sick because it is furthest from the aisle where more people move through the cabin. What are other countries doing in response to the outbreak? Many countries are checking the temperatures of arriving airline passengers and adopting precautionary quarantine procedures in response to a new virus. India, Nigeria, Japan and the United States are some of the countries where airport screening procedures were in place. Below are some of the public health measures in multiple countries intended to prevent a repeat of the 2002-2003 outbreak of SARS, which started in China and killed nearly 800 people (Source:The Associated Press, Jan. 21, 2020) MAINLAND CHINA China’s often-secretive Communist government was blamed for making SARS far worse by initially hiding information and blocking the work of the World Health Organization. This time, leader Xi Jinping has called for tough measures and said “party committees, governments and relevant departments at all levels should put people’s lives and health first.” At the airport in Wuhan, the temperatures of departing passengers were checked and outbound tour groups were banned from leaving the city. Virtually everyone in a public role, from traffic police officers to bank tellers, is wearing a protective face mask. JAPAN Japanese Prime Minister Shinzo Abe urged officials to step up quarantine checks at airports and other entry points, and Japan will require visitors arriving from Wuhan to fill in health forms. HONG KONG The semiautonomous city is one of the most popular destinations for mainland Chinese. It has stepped up surveillance and ordered more cleaning and disinfecting for planes and trains from Wuhan, as well as for train stations and the airport. Acting Chief Executive Matthew Cheung said authorities are ready for a worst-case scenario and are on extremely high alert. A lack of information and low levels of vigilance were blamed for Hong Kong becoming the second-hardest hit area by SARS after mainland China in the early 2000s. As in much of mainland China, Hong Kong residents favor traditional markets where live poultry and other animals are sold. The government advises people against visiting such markets or touching animals or their droppings. SOUTH KOREA South Korea reported its first case of the virus in mid-January, in a Chinese woman who works at a South Korean company. At Incheon International Airport near Seoul, the only airport in South Korea with direct flights from Wuhan, two special gates are designated for passengers from the city and ear thermometers are used to check their temperatures. Arrival halls are being sprayed with disinfectant twice a week, up from once a week previously, and escalator handrails, elevator buttons and other sensitive surfaces are wiped with disinfectant twice a day. NIGERIA Nigeria’s government says health authorities at points of entry are on alert for cases of coronavirus arriving in Africa’s most populous country. The Nigeria Center for Disease Control asked that travelers from Wuhan report to a medical facility and the center if they feel ill. China is Africa’s top trading partner. South Africa’s National Institute for Communicable Diseases said anyone with a severe respiratory illness should be tested if they have traveled to Wuhan within two weeks or had close physical contact with a coronavirus patient or treatment at a facility where a confirmed case has been reported. There were more than 200,000 Chinese workers in Africa as of the end of 2017, not including numerous informal migrants such as traders and shopkeepers, according to the China Africa Research Initiative at Johns Hopkins University. INDIA India will expand thermal screening of passengers arriving from China, including Hong Kong, to seven airports from the current three. In-flight announcements before arrival will direct passengers with a fever or cough who have traveled to Wuhan in the previous 14 days to declare themselves to health authorities. Thermal screening will begin in Chennai, Bengaluru, Hyderabad and Cochin, and continue in Delhi, Mumbai and Kolkata, the Ministry of Civil Aviation said. SINGAPORE AND MALAYSIA Singapore will expand temperature screening at Changi Airport, one of Asia’s busiest travel hubs, for all travelers on flights arriving from China beginning on Wednesday. The health ministry said individuals with pneumonia and a history of travel to Wuhan within 14 days of the onset of symptoms will be isolated in a hospital as a precautionary measure and investigated. Neighboring Malaysia has also beefed up screening at Kuala Lumpur’s airport. Deputy health Minister Lee Boon Chye said staff are being trained to handle possible cases. “If a case emerges, then we may have to take more drastic measures, but for now, we hope we can nip it at the entry point,” Lee told reporters. BANGLADESH Bangladesh civil aviation authorities have ordered airport managers to start screening incoming passengers from China. A.H.M. Touhid-ul Ahsan, director of the main Shahjalal International Airport, said doctors at the airport would look for fevers, coughs, breathing difficulties and sore throats. The country’s Institute of Epidemiology, Disease Control and Research will be notified of any passengers with symptoms for further examination, he said. AUSTRALIA Brendan Murphy, Australia’s chief medical officer, said biosecurity staff and state health officials in New South Wales are meeting flights from Wuhan and are distributing pamphlets printed in English and Chinese to all passengers. The pamphlets describe symptoms of infection and ask people to identify themselves if they are experiencing any. RUSSIA Russia’s Healthcare Ministry described the virus as a biological hazard, with Deputy Minister Sergei Krayevoy saying the virus was a “striking example” of the biological threats Russia faces. The Russian public health service, Rospotrebnadzor, said it had developed a testing kit that would allow labs to detect the new coronavirus quickly. Russia is one of the three most popular tourist destinations for people from China, according to Russian officials. They estimate that about 2 million tourists from China visited Russia in 2018. ITALY The Italian Health Ministry says passengers making direct and indirect flights from Wuhan, China, to Rome’s Leonardo da Vinci airport will be checked for potential signs of the virus. People with suspected infections will be quarantined at an infectious disease hospital in Rome, the ministry says. No cases have been reported so far. Posters at the airport advise travelers to consider delaying trips to the Wuhan area and if they do go there, to avoid touching animals or uncooked animal products. The Associated Press contributed to this story. Associated Press journalists Moussa Moussa in Canberra, Australia, Kim Hyung-jin in Seoul, South Korea, Cara Anna in Johannesburg, South Africa, Eileen Ng in Kuala Lumpur, Malaysia, Daria Litvinova in Moscow, and Mari Yamaguchi in Tokyo contributed to this report. xxx
  • It is a sad time. I need to have a pity party and go get some of my friends...let's go cry a minute.' That's Carol, one of the many dedicated and loyal customers of Life Grocery, the natural and organic foods and products store in Marietta. Carol's been a customer for 20-plus years. There's also Richard, who's been a customer even longer - since the 1980's. 'This was the original and only health food store where you could get organic groceries. It's very sad.'  On a Monday in the last week of January, the store along Roswell Rd. between the Big Chicken and the 120 Loop was busy. Busier than normal. A good bet that had lots to do with deep discounts at Life Grocery, as the store was closing its doors by the end of January.   'People are coming in, wanting to say goodbye. It's the end of an era,' store general manager Ronnie Hudson tells WSB Radio. It's been emotional for her too. She's been with the co-op business since the mid 90's and admits there will be a void as the doors close for good.  Life Grocery was founded by Life University students when Gerald Ford was president - back in 1976. Hudson says the business was one of the pioneers in the natural, organic food market, 'there weren't options back then...we were the template.' Stores like Life and some other early ones set the stage for what came years later - an explosion in the organic/natural food space, now dominated by major players like Whole Foods, Sprouts, and others. Life Grocery's reasons for closing are many says Hudson. 'The main distributor that we use, Whole Foods is their priority. So sometimes we can't even get our whole orders full.' Not only competition though. Aging equipment has also been an issue, rising costs, and location has played a part Hudson says. Life Grocery sits in an aging strip mall. Whole Foods used to be across the street. But when it left for a better location, Hudson says some of her customers told her, they'd forgotten about Life.  Still, in the store's final hours of existence Monday, longtime customers were stopping in for their last purchases. Hudson was exchanging hugs with many of them. 'The emotions at this point, even from our customers, has been so touching, heartbreaking, heartwarming. It feels good to know that people have appreciated what we have.'