01.29.25 Warning: Individual Stock Trading / Pay Transparency

A recent article warns about how the stock market is turning into a casino for many Americans. If you must trade individual stocks, know the hazards, which include capital gains tax. Also today - It’s about to get easier to tell if you are being compensated fairly at work. How new state statutes can work to your advantage. Trading & Betting Addiction: Segment 1 Ask Clark: Segment 2 New Job Listing Laws: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More Men Are Addicted to the ‘Crack Cocaine’ of the Stock Market - WSJ How To Open a Roth IRA 5 Steps To Getting a Good Deal on a Hotel Room How Long Should I Save Pictures of My Car Rental? Most Americans Feel Good About Their Job Security but Not Their Pay New laws are coming for job listings. Many employers aren't prepared Credit Card Car Rental Insurance: What You Need To Know Is Chase Sapphire Reserve® Worth It in 2024? Capital One Venture X Rewards Credit Card: 6 Things To Know The Platinum Card® from American Express Review 2024: Is It Worth It? How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:27Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:42Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 0:44Speaker 03

  I'm so glad you're with us here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. In today's show, I want to tell you an experience I had with a question a gentleman was asking me. And something I just read in the Wall Street Journal just came together as like a warning bell to me that I want to talk with you about.

• 1:23Speaker 03

  Also, I wanted to tell you, if you're working somewhere and you're just not sure your employer's paying you fair and square, it's a lot easier now in 25 for you to be able to have a sense with your skills, your experience, are you being paid a fair wage or not? Or is there more money out there? We're going to talk that through. So a gentleman comes up to me later in the conversation, I asked him his age. He was 33. He said, you know, my buddies say that I'm really doing the wrong thing.

• 2:03Speaker 03

  I'm doing this Roth thing you talk about and I'm in that target fund and my friends say that's for losers. They're all talking about all the trading they're doing on Robinhood. This isn't a bash on Robinhood, by the way. They're all talking about, you know, they're buying this, they're doing options, they're doing all these different things and they're making this money on that trade and blah, blah, blah, blah, blah. They're on the shortcut, is what I call it, when people think they're on the shortcut to wealth. Well, it's so weird that I have this conversation with this 33 old guy and then the next morning I read

• 2:45Speaker 03

  a story in the Wall Street Journal about how Gambler's Anonymous is having a big uptick in membership from people who are doing gambling type stock trades and option trades. Yep. You know what else? They're almost 100% guys, young guys. As I shared once before, I've been having this conversation with my son, who's 19, and took money he got for his birthday and is doing trading in an account. My son's name is Grant. I've talked to Grant

• 3:27Speaker 03

  about the whole idea of buying and holding. And at 19, truthfully, he thinks buying and holding is buying something and having it for a month. And he's not alone, that there's this gambling kind of culture, particularly with guys. And the problem is that it becomes addictive like any other kind of gambling. And I'm not even going to get into the tax problems of rapid buying and selling. That's only part of the picture. Because beyond that, people who trade frequently tend to not make money, they tend to lose money. The

• 4:12Speaker 03

  data on that is clear as could be. So the thing I've talked with my son about, and you may have heard me say before, is that if it's really important to scratch that itch, to do rapid fire trading, anything like that, have some money you devote to that, but the money that's really going to matter, needs to be Dullesville. And I know, I'm the dullest man alive. I promise. I've known a lot of people over my life. I'm as dull as they come. I invest in a dull way.

• 4:54Speaker 03

  I do widely diversified investing in funds, index funds that are very low cost, and I own little pieces of many different companies around the world, different types of investing. So my strategy is so plain Jane, but I've been able to develop meaningful wealth over time. So what is it about? If it's about the sport, then it's not about creating financial security. They are mutually exclusive, in my opinion. So what I like is Chuck Schwab's

• 5:34Speaker 03

  phrasing from forever ago, core and explore, that you put most of your money in Clark Dullesville. We can just call it Clarkville, dull land. And then the rest, which should be 10, no more than 20% of your money, you want to play the market with that, you want to play options, you want to do all kinds of crazy stuff, you want to buy the hottest new whisper stock with AI or whatever, fine. But at least, most of the money you're putting aside, put it where you're going to have, over time, a meaningful, safe return. Again.

• 6:23Speaker 03

  Dullesville, Clarkville.

• 6:24Speaker 04

  I worry about the taxes that some of these people are going to deal with too. Isn't that like a huge problem?

• 6:31Speaker 03

  So I've been having that conversation with Grant.

• 6:33Speaker 04

  Yeah.

• 6:34Speaker 03

  About the rapid fire trading. And I've explained to him the difference between ordinary income tax and capital gains tax. So the tax code is designed specifically to discourage rapid fire trading. Because when you do a buy and sell in less than a year, you're punished by the tax code with punitive tax rates. And on the, or you can look at it in the reverse. When you hold something more than a year, you get preferential, much lower capital gains tax. So there's a lot here about what's going on. And there may occasionally be a woman who's doing it,

• 7:18Speaker 03

  but there's something about us as guys that it just is almost like macho. Imagine hanging out with the buds and somebody's talking about, "Yeah, I bought this blah, blah, blah AI company and I've gone up 3,400% in 90 days. I wonder if I should buy more of it." And say, "So what are you buying?" "Oh, well, I buy a target retirement fund with my money." They're done with you.

• 7:49Speaker 04

  You get kicked out.

• 7:50Speaker 03

  Yeah, you're kicked out of the cool guys club.

• 7:53Speaker 04

  Okay, we'll go to questions now. This one came in from Morgan. Morgan says, "I'm a 13-year-old entrepreneur who does pop-up poetry and art on typewriters. Yes, it's as cool as it sounds."

• 8:04Speaker 03

  Okay, that's really, really fun. 13-year-old entrepreneur doing a unique kind of art kind of thing.

• 8:12Speaker 04

  Yep. "For the past eight months, my dad has been endlessly talking about your podcast. So for Christmas, I got him a Clarky Bestie keychain puzzle." That's interesting.

• 8:23Speaker 03

  Yeah.

• 8:23Speaker 04

  One for him, one for me, because why not? Of course, I made him buy it along with a few other things I threw in the cart. You're welcome, Dad. You might think it was a waste. But it did make him laugh. And yes, I did check if he contributed to his Roth IRA this year. He has, thank you very much. On to money stuff. I recently sold a piece of art for $550. The gallery takes 50%. Ouch. So with my $275, what's the best way to invest it? My dad set me up with a Fidelity Youth account for Christmas, so I'm ready to make some moves.

• 8:55Speaker 03

  Okay, so you want to do what your dad did. You want him to go back with you to Fidelity and open up a Roth IRA, a custodial Roth IRA, because then that $275 is going to grow tax-free. You're going to let it sit there forever, and that $275 invested in Clarkville or Dullesville in a target retirement fund, the latest year you can buy, I don't know if it's 2070 or whatever. You put it in there and you will have incredible tax-free growth over the years. You can put in, every year you have earnings, up to $7,000 right now, you can put in that Roth,

• 9:39Speaker 03

  and you, believe it or not, in your teenage years, you keep being successful with art, you could put enough money aside through your teenage years that you could be a millionaire just from that money when it's time for you to retire. And remember, it grows tax-free, you spend it tax-free. But it has to be left alone till retirement age, which is a long time away for you.

• 10:09Speaker 04

  Ryan in Georgia says, "I have the Capital One Venture X Card, the same as Clark. I booked a hotel through the Capital One Travel Portal. A week after my hotel stay, I received an additional $120 bill for quote-unquote destination fees."

• 10:25Speaker 03

  Oh, man, this is their version of resort fees or whatever?

• 10:29Speaker 04

  These fees were not made aware to me upon booking. Although Capital One reversed this charge when I called, they said the only way to prevent these fees in the future was to call the hotel after booking to ask if there were any additional fees. How else can I prevent these junk fees in the future? Thanks, Clark, for all you do. Your advice has saved me many times.

• 10:49Speaker 03

  Okay, first of all, It's great Capital One reversed the charge and absorbed it themselves. Second, you were told the wrong thing. Capital One's hotel portal should disclose what the hotel fees are. There should be somewhere, I don't know if there is on the Capital One hotel portal, but most of the portals now have a box you can check that will show you the prices, including all taxes and fees. I was looking at a hotel just yesterday on Priceline and it showed the hotel base rate, showed the price with taxes and fees.

• 11:31Speaker 03

  And then right below it, it said, "An additional $11," I think it was, "per night will be collected by the hotel," which is for, obviously, the junk fees like you were billed later for. It should be easier than this. It should be something you're told just transparently upfront. Those of you, Marriott being the largest hotel chain in the world, they now have a button, it's not obvious, but it's a button you can click on, that shows you the hotel price, not at the base rate, but with all junk fees and taxes added on.

• 12:13Speaker 03

  So when you're comparing one hotel to another, you can see the base rate doesn't matter. All that matters is the total fee. So this is so important that you look for this and you know now with Capital One, they're not being easily transparent with the hotel made up fees. So you'll have to look for that before you click to purchase a room.

• 12:40Speaker 04

  And speaking of travel, this came in from Brad in Illinois. "I'm glad I acted on your advice. Just a friendly reminder to take and keep your car rental damage photos and videos. I received a claim on January 6th for a previously existing damage to a rental from the first week in August. Luckily, my documentation was still saved."

• 13:01Speaker 03

  Five months later? Five months later? That's like the worst I've ever heard of. You know, I've never suggested, Brad, that people keep car rental photos or videos for really more than 60, 90 days. Because almost always you'll hear within weeks, not months. That is horrific. So I'm gathering from what you said, that when you said, hey, I got pictures. They were like, okay, everything's fine. You're good. Because they don't expect people to take those pictures or videos.

• 13:40Speaker 03

  I guess you're saying my old advice of two or three months is something you would not follow. You would say, keep them until you forget they're still on your phone. But I'm so glad that the pictures were your get out of jail free card. And that's why I want you to take those pictures or videos when you turn a rental car back in. Wow.

• 14:05Speaker 04

  I have another question I'm going to ask you in the next part of the podcast. That is also about rental cars and it's about the insurance you get for rental cars with different credit cards.

• 14:16Speaker 03

  Yeah, the car rental, car rental agencies, since they consolidated with almost all car rentals controlled by three conglomerates. They've become a more unfriendly industry. You've got to know that there's snakes in the grass. Many different ways with the car rental companies. You have another one about that. We're going to talk about something straight ahead. A lot of people reassess their lives in January and they're like, you know what? I'm not really thrilled with my paycheck. I'm going to talk about what strategies you should follow. If you kind of like your job, but you don't like your pay. What should you do next? We're going to talk about that straight ahead.

• 15:01Speaker 00

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• 15:30Speaker 01

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• 17:13Speaker 03

  Don't miss huge deals dropping every week. I got a question for you. Do you like what you do? Do you like where you work?

• 17:24Speaker 03

  You know, there are so many satisfaction surveys about jobs, but the one that I have always looked to is by the Pew Charitable Trust, because they do such deep, respected research and polling and testing of questions. And so they asked American workers, "How satisfied you are at your job?" And exactly half of Americans said that they're extremely or very satisfied where they work. And I'm glad to hear that, because it's really no fun at all if you go somewhere for work every day. Think how much of our week we spend at work.

• 18:09Speaker 03

  And you dread it. You hate it. Yuck. So, listen to this. Another 38% are somewhat satisfied with where they work. Some days, yeah, I'm glad to be there. Other days, not. So, the percent that hate where they work, that there's no wishy-washy about it, is only 1 in 8 people. I don't know what it is that I thought that dissatisfaction at the workplace would be much higher. But you know what people are usually not happy about? Is their pay. Pay is a big dissatisfier.

• 18:53Speaker 03

  So you always have this thing you gotta balance. And maybe the half of people who are extremely or very satisfied should ignore what I'm about to say. But it's much easier today to gauge what pay level, what you do for a job, with the experience you have, what that really should be worth in the job market. And if you go back to when jobs were extremely plentiful and people were willing to just take a shot and go look somewhere else, or go work somewhere else, people discovered...

• 19:32Speaker 03

  That where you are and where you're comfortable and where you may be happy, they may also be underpaying you. That the marketplace will pay you more if you seek out other employment. May. But the thing that has changed gradually and now pretty widely in the country is that a lot of job postings now list a pretty narrow pay range for the job. Cause so many states have passed statutes that require that expected pay levels are published with the job listing.

• 20:12Speaker 03

  So you may not really be interested in going to greener pastures somewhere else. Maybe you are, maybe you're not. But it's a good idea to go out and look and see. Don't do it from a work computer, by the way. Never prospect for another job from a computer at the workplace. On your own time, on your own computer. Tell you a story about that in a second. So anyway, you can go out there and see, hey, people with my skills are being offered jobs right now at blah, blah, blah pay level. And you get to see, I'm actually doing better than that. Or I'm doing about that. Or I'm being paid a lot less than that.

• 20:58Speaker 03

  And then you gotta decide what's next. If it is where you're being underpaid versus what it appears your skills and experience are worth in the marketplace. Are you willing to go out and explore other opportunities? Or when it comes time for your review, are you willing to say at that point, you know, I love being here. It just feels like, from what I'm seeing out there, that I should be making more money. You always have to worry about the ricochet where they say, "Okay, you think you're worth more money? Go find it." It's not happening here. You have to gauge that.

• 21:39Speaker 03

  But I would say for the nearly 40% of people who are only somewhat satisfied with where you are, and of course, the 12% of people who hate where they are, go out there and see what else is out there. Be willing to explore, apply, look for other opportunities, and if necessary, move on. Oh, it was a story I was gonna tell.

• 22:06Speaker 04

  Yes, it was about, "Don't do anything on your work computer."

• 22:09Speaker 03

  Yeah. So, I'm in a place of work and there was a very valued employee. She had left her workstation, and her manager came by to find her, to talk to her about something, and then does what people do if there's a live computer screen. See, you're looking over at my screen, Chris.

• 22:27Speaker 04

  Yeah, what are you looking at, Clark?

• 22:29Speaker 03

  And sees that an email she's writing thanking someone for the interview she had for a job somewhere else, she was gone that day. They just said, "You're out of here." And this was a great employee, but the manager was like, "Well, if you're this disloyal, that you're looking for something else, you're out of here right now." And people were shocked because this was a real super achiever employee.

• 22:59Speaker 04

  Seems sort of short-sighted by the manager, maybe an opportunity to find out what's going wrong.

• 23:04Speaker 03

  But instead, what it means, the lesson I want you to have as a worker, don't ever prospect for that new job while you're at the job you're at, period.

• 23:14Speaker 04

  Indeed. Okay. Anna in Washington says, "We got the new Chase Sapphire Preferred Card because Clark said it would act as our primary insurance for a rental car rather than secondary insurance like most cards. I called Chase to double-check on that before applying. No one in customer service seemed to know if that was correct. I was transferred to several different people, finally to someone in their insurance claims department. She agreed that this card would act as primary insurance for a rental car. I just received my Guide to Benefits booklet, and it says the Chase Sapphire Preferred Card would act as secondary insurance. Who should I believe? Thank you for informing us all about financial and other consumer matters. I love, love, love your podcast. Could listen to you all day."

• 23:54Speaker 03

  Thank you very much. And Anna, I'm impressed that you did all the single checking, double checking, triple checking, because the truth is, customer no-service workers have no idea, as you discovered, even talking with someone in the insurance claims department. So my understanding with the Chase cards is the Sapphire Reserve is primary and is really rock-solid rental car coverage. The Preferred, which is a $95 or $99 annual fee card, is secondary. If you rent cars repeatedly, you travel a lot, the Sapphire Reserve has

• 24:37Speaker 03

  a huge annual fee, just under $600, but they rebate 300 of it to you each year just in travel.

• 24:45Speaker 04

  And there are other benefits. I have it. I love that card.

• 24:48Speaker 03

  But you travel a lot. And what we don't know, Anna, is how much you travel. The Preferred card is looked at as a very good, maybe just about the best, entry-level travel credit card for people who don't travel frequently. The Reserve is a whole different category and has an annual fee six times the cost. But it would come with the rental car coverage. You rent several cars a year. You've easily made up the cost, because remember you got 300 back. So you're talking about a $300 net annual fee for the card. You don't have

• 25:28Speaker 03

  to rent a car many times before that primary coverage already covers the junk fees that the car rental company would charge you otherwise.

• 25:37Speaker 04

  Rick in Arizona says, "I've been carrying the Amex Platinum card for many years. It served me well when I was working, but now that I'm retired, I'm not sure it's worth the annual fee. I don't fly much, maybe eight or nine times a year for vacation. What is the test to see if it still makes sense to keep it?"

• 25:55Speaker 03

  The Amex Platinum, if you're not traveling constantly, doesn't work.

• 26:02Speaker 03

  You'd have to be charging a huge volume on it to overcome the shortcomings. And what I've recommended to people who maybe were in a job where they traveled a lot and now they're traveling not as much as they used to, or whatever the circumstance that you fit, in my opinion, is the one that we had the question about earlier, the Capital One Venture X is the 100% winner. It has an annual fee, and again, these are for travelers. The Capital One Venture X has a $395 annual fee, which I keep expecting them to raise. They give you $300 back in travel credit for travel you booked through them over the

• 26:47Speaker 03

  course of a year, so it nets $95. Each year at renewal, they give you another equivalent $100 to net out being a minus $5 annual fee essentially for people who travel even infrequently. All charges earn minimum 2X, so it's a 2% cash back card, except for travel you booked through them that I think is 10X. So it gets you lounge access and that second tier lounge group called Priority Pass Lounges. And then Capital One in some cities has their own lounges, which are, by reputation, are supposed to be much nicer than the American Express lounges that you're used to, the Centurion

• 27:33Speaker 03

  Lounges. And so I would dump the $700 annual fee Amex card, get the $395 Capital One card, and you'll never look back.

• 27:44Speaker 04

  Thomas in North Carolina says, "For the last several years, I have been detailing in a spreadsheet the charity solicitations I receive and the donations I've made to various charities. For 2024, I received 395 mailings. I received 19 solicitations from one charity specifically."

• 28:02Speaker 03

  Okay, so what's funny about this, remember when my mom was being ripped off by the fake charities?

• 28:08Speaker 04

  Yes.

• 28:08Speaker 03

  And I would go over and divert all that mail? I would say, "Mom, don't open any of these. Just put them in this drawer right here." And every time I'd go see my mom, which was about every seven to 10 days, the drawer was overflowing with solicitations. I don't think of people getting that much in the mail anymore. But obviously, Thomas is getting 400 mailings virtually in a year?

• 28:36Speaker 04

  Mm-hmm.

• 28:37Speaker 03

  Wow!

• 28:37Speaker 04

  Then he says, "This does not include the hundreds of local and national political solicitations I receive via text, email, and mailings. I donate to many charitable organizations, always through their website." What was different this year is that several of the big, I listed them for you here, charities, including one of your favorites, would not accept a donation of less than $10 on their respective website.

• 29:00Speaker 03

  Wait, wait, wait. Charities, beggars are now being choosers? And they won't accept a donation of less than $10?

• 29:08Speaker 04

  "I found it both confusing and disheartening that they would not accept a $5 donation, but actively solicit donations through various means. Some charities ask you to cover the administration costs, usually between 20 cents and 90 cents, when making a donation using a card. This is understandable, given the credit card processing fees. I always cover those costs in my donation. I did not experience this minimum donation requirement in years past. I'm sure there are many more charities that are now operating the same way and losing lots of money."

• 29:37Speaker 03

  So, here's the thing that's going on. The way credit card fees are charged to charities, because remember, card is not present when you're doing that donation. So, the junk fees for accepting a card are extremely high on small amounts. So, there's a base rate that the charity's having to pay, plus percent. So, those fees must be high enough now. Charities are like, "We're not netting out any meaningful money, if any, at an amount below $10. That's all I can guess."

• 30:13Speaker 04

  Also, maybe they probably factor in, they've got to then send you a letter for the donation at the end of the year. They have office staff. Maybe it all adds up over time.

• 30:23Speaker 03

  I don't know, it just shows that a dollar's not worth very much anymore, right?

• 30:27Speaker 04

  Right, yeah.

• 30:28Speaker 03

  Wow. See, I would absorb that hit if I were doing fundraising for a charity, what they call Development Officer now, because you want to create a connection to someone that they feel connected to your organization, and maybe they're making more money next year and they give your organization more money the following year. If you're getting 400 in the mailbox solicitations a year, that means you're on what are known as sucker lists. There are some pseudo or not very legit organizations that are soliciting you. I saw on the list, one that is not on the up and up.

• 31:10Speaker 03

  And that's why I would direct you to our giving site on Clark.com, where you get to see how you check out a charity to see if they are a real charity, number one, and number two, are they spending your money wisely, efficiently? Just so you know, there's Charity Watch, there's Charity Navigator, and then Give. Those are the three, all dot orgs, where you can check out the background on so many of the charities, or pretend to be charities, that might be soliciting you. But wow, you have a very generous heart, obviously,

• 31:51Speaker 03

  that you are so much in the target for so many different organizations seeking donations from you. And with that, I hope you have had an absolutely wonderful time with us on today's podcast and YouTube show. And know what we're all about is you and your wallet. I want you, in every way possible,

• 32:17Speaker 03

  To be in control of that money that comes into your life, to live on less than what you make. This is so important because so many things open up when you're living on less than what you make. I know it's easy to say, it's hard often to do, but it's this positive event in your life where you're not wheezing financially. And I hope that over time, that you hear from me enough strategies, enough techniques, and enough of a philosophical reason for you to be in control of those dollars that come into your life,

• 33:00Speaker 03

  instead of your bills being in control of you. Everything here is about you learning ways to save more, spend less, and avoid getting ripped off. I'll be back at your service on Friday.

• 33:18Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5, only at McDonald's for a limited time.

• 33:30Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.