Pod Insights The Clark Howard Podcast 03.12.25 Attention Shoppers: The Retail Pricing Game / New Flight Requirements About this episode With the price of goods in flux, it helps to be in the know to protect your wallet. Clarkies know how Clark uses unit pricing to shop smart at the grocery store. You would think that the bigger the bag, the smaller the unit price. Not so. Clark fills you in on what manufacturers have been doing and what to keep in mind with all purchases moving forward. Also - Travelers be prepared: the Real ID flight requirement domestically, and travel authorizations for entry into Europe are upon us. The Retail Pricing Game Now: Segment 1 Ask Clark: Segment 2 Flyers: Real ID Kicks In: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco Hearing Aids: 5 Things To Know Before You Buy Miracle-Ear Hearing Aids: 5 Things To Know Before You Buy Sam's Club Hearing Aids: 5 Things To Know Before You Buy Connect Hearing: 5 Things To Know Before Your First Visit HearUSA: 5 Things To Know Before Your First Visit Travel Alert: REAL ID Deadline Coming Soon-Clark.com What is ETIAS - European Union / Apply for an electronic travel authorisation (ETA) 6 reasons to add your Passport to Google Wallet How Should I Safeguard My Passport When I Travel Abroad? Best Free Password Managers: 10 Top Picks How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Follow Clark Howard's #1 Rule To Travel Cheap 9 Free Federal and State Tax Filing Services for 2025 Clark.com resources Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:21 Speaker 02 It's my pleasure to welcome you here to 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. And if you're a regular around here, you're probably familiar with how obsessed I am with unit pricing, how I use it all the time to decide what's a better deal and what's not. And you know, historically, you'd think something that is a bigger quantity, a bigger bag, would be the smaller unit price. But there's a lot of weirdness going on right now with the price of goods.
2:01 Speaker 02 And you need to know in a time that retailers and manufacturers are scared, what you need to be doing to protect yourself. And also, I talked about saving money on airfare in yesterday's show. But do you know we're just weeks away from where you won't be able to travel unless you have an updated ID? I'll fill you in on that. So retailers and manufacturers are having a rough, rough time right now. Not to negate what a hard time so many of us as Americans, so many consumers are having such a rough time.
2:41 Speaker 02 So there's a game going on right now with a lot of manufacturers having softer sales, maybe even declining sales. A lot of retailers reporting things are really hard for them right now. They're all trying games and gimmicks with pricing. And this is an old one. It's still true. Behind our backs, the snack food companies refer to what they call heavy eaters. Heavy eaters is not a literal thing that means that people that buy their product are overweight. A heavy eater is somebody who is really devoted to a particular snack, whether it's Doritos
3:25 Speaker 02 or who knows what. And when they go into the store, they buy the biggest bag of them they can get, the family size bag or whatever. Well, if you take a moment to look at the unit pricing, the odd thing is the most expensive bag to buy often of a snack item will be the smallest one, followed by the biggest one, and the best deal will be on the midsize. That's just one example at how pricing can be really odd because you think if you got the biggest bag of something or the biggest version of something, that you'd be getting the lowest price. But you're not necessarily going to get the lowest price.
4:10 Speaker 02 Often it'll be the highest price, particularly with anything that's a snack kind of item or cookies or anything like that. And now this kind of thing with unusual pricing is spreading throughout manufacturing, retailing, and it already was in the supermarkets. So know that when you see something that says it's special, it may not be special at all, maybe special for the manufacturer retailer where they're getting a higher price per ounce or per whatever unit of measurement it is. So you and I have got to be aware of that. That because we're in such a difficult economic cycle now in the tariff era,
4:55 Speaker 02 there's going to be a lot of experimentation about how to get you, get in our heads and get us to buy something that we think is a better deal that's actually a worse one. So don't just see sale or special or anything like that and grab that item without comparing the prices on those items. And with manufactured goods and retailers, when you see limited time item or something like that, that is a call to purchase, right? But that limited time item may be more expensive than the regular version of whatever item
5:40 Speaker 02 you'd be buying, I'm talking non-food items that you would be buying. Be aware, be wary, be careful with your wallet. Speaking of which, this is going to be a time with such enormous economic uncertainty that being careful with spending and being very, very cautious with optional spending, unless you're just loaded with money, this is going to be a time that hoarding cash a little bit is going to be a good idea because we're going to potentially see if the tariff thing is not just a flash in the pan and it's a long-term thing, you're going to really
6:23 Speaker 02 need to be prepared for the possibility of layoffs, rising unemployment in the United States and slowing economic activity. And that means being prepared for a more likely rainy day in your own life.
6:40 Speaker 02 On that happy note, what you got Krista?
6:44 Speaker 03 Okay, well, this question came from Tom in North Carolina. Clark, your opinion on purchasing hearing aids from IndiAMart? This company is manufacturing hearing aids there and they're relatively inexpensive. And Tom gave the website.
6:59 Speaker 02 Yeah, so they're a reseller of goods like AliExpress or Timu or something like that. The goods being made available are very inexpensive. And the hearing aids, you know, the hearing aid market has been going through a big transition in the United States where we've been by far the most expensive place in the world to buy hearing aids. And a law was passed by Congress, I think eight years ago, that only in the last two years has started to bring prices down and people are trying to get to much cheaper prices quicker by buying hearing aids from the Chinese sites or in this one, buying
7:43 Speaker 02 from IndiAMart. And you just don't know what you're getting. The good news in the United States is there's more and more FDA-approved hearing aids that you can buy from retailers. And the prices have been going down to the point where they're, they start at about $200 an ear for the hearing aids. Are you going to like them? Who knows? But instead of spending $6,000 on hearing aids for people with light to moderate hearing loss, it's a great idea to spend a lot less, see if you're actually going to keep them in your ear. Speaking of which, I've been all excited with hearing aids, what Apple has done with
8:28 Speaker 02 the AirPods. The problem turns out to be that AirPods are too uncomfortable to keep in your ears all day long. Most people can't do that.
8:40 Speaker 03 Well, teenagers can.
8:43 Speaker 02 I don't know they can do it all day. Maybe they can. Maybe they're reshaping the shape of their ears from a young age around the AirPod. But the thing is, if you have mild to moderate hearing loss, which is what these consumer purchase FDA approved hearing aids are for, like the AirPods, and the big thing you're using them for is being at a loud event so you can hear other people, then if you are an iPhone person, using the AirPods is a great place to start. They're so affordable. And only certain of the AirPod models work as
9:23 Speaker 03 hearing aids. I think it's the pros.
9:24 Speaker 02 The AirPod 2 Pro, I think, is the one that most people are buying.
9:29 Speaker 03 Boy, we've come so far. I remember when your sweet, dear, late mom, Joy, had some hearing issues and you had her try out like Hunter's hearing aids.
9:38 Speaker 02 Peace apps. So I went, this was like, what, 20 years ago? 20, 15, 20 years ago? My mom had a very, very thick southern accent. The answer to everything you asked her was, "What, darling?" And so, so I went to a Hunter's store and bought a Peace App, a personal sound amplification, something. And so, I bought her a Peace App, and that didn't work any better than the hearing aids we tried with her, because she wouldn't put them on.
10:15 Speaker 03 Right. And she was a very fashionable lady, and you, you had her experiment with every new technology that came out. Okay.
10:23 Speaker 02 Yeah. And I failed with everyone. What do they call that? Hope over experience?
10:27 Speaker 03 There you go. Jennifer in Connecticut says, "Major Clark head here, my fan term. Clark often talks about ways to save money on imaging by going to a standalone facility and not a hospital, but I've never, ever heard him talk about any ways to save money for blood work. We have a high deductible HSA plan, and it's a rare year we make our deductible, which is around 10K. We just had to pay $283 for one blood test to check levels of a medication that needs to be monitored. I am still reeling."
11:00 Speaker 02 Gosh, Jennifer, I am so sorry. And no, I don't know of any equivalent for blood work to what I talk about with going off-site imaging. But your HSA eligible plan, health plan, may have negotiated rates with various facilities that even if you're just meeting your deductible, you may be able to get the insurer's rate for the blood work instead of paying the street price for the blood work. And it depends on your plan if they have negotiated rates for things like blood work.
11:43 Speaker 03 And I would check just in case. I don't know if this would work, but you know, there are independent labs where they do tons of lab tests, and I'd call them and see how much it would be without insurance to test for that medicine if the doctor's willing to take that.
11:55 Speaker 02 Well, if you're never meeting your deductible, that's a good idea because that's the thing people talk about is that with my stuff of going and taking tests where they don't take insurance and you're not adding up towards your deductible. But yes, that's a great idea.
12:10 Speaker 03 Natalie in Alaska says, I'm 39 years old and I've been listening to you since my early twenties. I've taken a lot of your advice to heart, such as getting the Citibank 2% cash back and opening a high-yield savings account. I'm so pleased with how my money grows. My question, I built a home and the 30-year mortgage is for $773,000 at 7.18%. I can put $2,000 extra on the principal each month. I have an existing home that I own debt-free. I'm expected to get $500,000 for it when I sell. Is it better to refinance the loan? I'm worried about paying a lot in closing costs. Or should I keep the loan, put $500,000 down immediately on principal, and then make the payment plus $2,000 each month?
12:53 Speaker 02 Okay.
12:54 Speaker 03 Impressive.
12:55 Speaker 02 Yeah, I mean, all the way around. First of all, since you're in Alaska, you say you built your home. I would take that as a literal thing instead of what most people mean when they build a home, which is they hired a builder to build the home. So this other home you own free and clear at 39 years old, and you built this other, this new home. When you clear the half a million, if you put it towards that mortgage balance, I mean, think about it, you're getting a guaranteed seven plus percent return on your money. I think that's awesome. And then you will pay off the remaining balance on the
13:36 Speaker 02 275,000 approximately dollars of the remaining balance of the existing loan so quickly just because you'll be making payments based on the original balance. And so, don't reamortize it. Don't recast that loan. Leave it as it is. Pay the bigger payments and you will end up owning that new home free and clear so quickly. You want to put the extra 2,000 towards it, great. Refiing. Right now, the refi move is on 15-year loans. I talked earlier about tariffs. One of the temporary, I don't know, could be long-going benefits
14:19 Speaker 02 of tariffs, is it's driven down interest rates on mortgages because of the betting that we're facing much higher odds of a recession in the United States. And interest rates are sensitive to the economy. The possibility of a recession is leading to lower rates on mortgages. The sweet spot is 15-year loans are now back in the fives, which is a big advantage versus your 7.18. But the problem you pointed out is closing costs. Let's get all this done. When you sell that other home and you pay down the balance on the first one, at that point, you can see, does it make sense for you to absorb those
15:03 Speaker 02 closing costs and refi that loan based on what the rates would be on a 15-year remaining cycle? Gosh, your balance will be so low versus what you're used to paying. You may be able to do a 10-year loan from a credit union that could drive the interest rate down even lower. Coming up ahead, you know, we're just weeks away from when people are going to be turned away from the airport trying to fly somewhere because their ID isn't up to new standards. I'll fill you in.
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17:11 Speaker 02 So, the boy who cried wolf. How long ago was it that I first talked about real ID? We were gonna have to go into our state driver's license office and have our driver's license updated and go in with a stack of documents, birth certificate, if you have a passport, your passport, some bills going to the address that's on your driver's license, blah, blah, blah, blah, blah. Because as one of the, this is crazy, but as one of the security measures that Congress passed following 9/11, back, gosh, a generation ago,
17:54 Speaker 02 they passed these new requirements for driver's licenses. They were delayed again and again and again and again. And now it's actually happening the first week of May. So if you get to an airport like you would normally do flying somewhere, and your driver's license doesn't have a star in the upper right-hand corner, or some states did something more creative like California has a bear with a star. If you don't have that star, that means you don't have a real ID compliant driver's license. And if you are going to fly, you're going to have to take another form of ID.
18:38 Speaker 02 A military ID if you're in the service, or if you have a Global Entry, your Global Entry membership card, your ID card. There are a handful of things, passport if I didn't say that, you can use. And the process is just a pain going to the driver's license place. And those of you who've listened to me or watched me for a long time, know what happened to me. I got a letter from the feds forever ago that required me to go get a driver's license with real ID. Because of how often I travel, I came up on some priority list
19:23 Speaker 02 that they were invalidating my driver's license on a certain date, unless I went in and got a real ID compliant. So I've had a real ID compliant license for so long I can't remember how long ago. But this is something that it's just a no fun zone. You're going on a trip somewhere, you're excited, maybe it's a vacation, and you show up at the airport and they say you're not going. So I mean, it's a fact. There are people who, in their busy lives, are never going to hear about this, and they're going to get turned away. And so if you don't have that star in the upper corner of your driver's license,
20:08 Speaker 02 it means you're not compliant. You need to go take care of this so you'll be able to fly. Uh, two more things. The ETA is in effect for the United Kingdom now. People keep getting turned away, not being allowed to travel, not being allowed to enter because they don't have the United Kingdom ETA. And the European wide version is coming sometime, uh, July or later. And there'll be a wave of publicity about it when it goes into effect, but pay attention to this. If you're traveling to Europe later this year, I'm going to Europe
20:47 Speaker 02 in September. And, you know, weeks out before we go, I'm going to check because odds are the electronic travel authorization. I forgot what the S is for. Anyway, you're going to have to have the, they're not expensive. Typically they end up depending on the country because like Australia has one, a lot of places have them. They end up being 10 to 15 bucks and they just want to know who's coming. And if somebody has any kind of criminal background, they're not letting you in in most cases. So you're going to have, that is an additional task to complete for travel when you leave the United States to so many
21:31 Speaker 02 places now. And bonus, bonus thing to tell you, I have an Android. If you have an iPhone, this doesn't exist yet that I'm aware of for iPhone, but I have an electronic passport in my Google Wallet that's now available and valid for security checkpoints at a lot of places. And it's an opening step to a passport being an electronic thing as well as a physical thing. Uh, just like you think about if you use Apple Pay or Google Wallet and at first it was like, huh? So I'm not going to pull out my credit card and I'm going to use my phone to do this?
22:14 Speaker 02 That's where we're headed also for electronic documents. I have a digital driver's license on my Google Wallet. Many people have that on Apple Pay, depending on what state you're in. And so it gives you an additional way to have your proper government ID, other than the physical version.
22:35 Speaker 03 All right, we'll go to questions. Susan in California says, my Southwest Rapid Rewards account has been hacked two to three times recently, where they changed all the information, my email, physical address, security questions. This has also happened several times to my United Mileage Plus account.
22:50 Speaker 02 No way, more than one frequent flyer program?
22:53 Speaker 03 Where I have almost 400,000 miles. Now, United calls me before allowing changes to the account. Both accounts have my passport number and global entry number, along with my address, etc. Should I remove this info from my accounts? I don't travel much anymore. Should I use the miles for gift cards instead?
23:11 Speaker 02 First, well, I'll answer that first, and then we'll go work back. So if you redeem for gift cards with airline points, the redemption rates are just gross terrible. If you have a family member or friend who you'd like to do a really wonderful thing for, and you can afford to splurge with your points, send them somewhere. Send them somewhere on a fun trip. Doesn't that sound great?
23:36 Speaker 03 That sounds awesome.
23:37 Speaker 02 And they can send you pictures of where they are in the world. So Susan, it's hard to predict where it is. Could be a hacker has successfully loaded some form of spyware on your laptop, on your phone, or they have successfully hacked into your email. Because if you told me it was just one of your frequent flyer programs, a one-off kind of thing, that happens, and I'll talk about why that's happening so much in a second. But now that it's happened with both United and Southwest, that makes me feel like there's an active data breach
24:16 Speaker 02 going on in your life somewhere. What would you tell her to do about that data breach? Should she be running? Some kind of antivirus?
24:28 Speaker 03 I would probably say so. I'm no techie, but I would definitely have antivirus software on my computer. I would change all my passwords to complex passwords, things like that.
24:37 Speaker 02 You'd use a password manager and come up with one of these crazy passwords and two-factor authentication, I assume you have on your various accounts beyond, you said, security questions. You need to go beyond that and have two-factor.
24:54 Speaker 03 Picture your credit's frozen too, if somebody has your security questions.
24:57 Speaker 02 That's right. If you don't have your credit frozen, Susan, and you don't know how to do that, it's free to do. Go to clark.com/creditfreeze. And know that criminals are targeting specifically frequent flyer accounts because there's such large amount of miles and points that are unused in people's accounts. I mean, by the trillions. And so this has become a hot target for criminals. And when people set up their frequent flyer programs originally, they didn't take them that seriously. And they put very basic passwords, like 123456 or whatever is passwords. So criminals can do some low-tech stuff to break into your
25:42 Speaker 02 account. If you have a physical boarding pass, don't leave it on the airplane behind in the seat back pocket. Criminals, you look at that as a crime of opportunity. They pick those up because on certain airlines, they list your entire frequent flyer number on your boarding pass. A lot of airlines now no longer list your full frequent flyer number because this has been a way that people have been hacking and stealing your points.
26:09 Speaker 03 Micah in Texas says, this is more of a mindset question than it is a financial question. How would Clark suggest someone who has not been in the traveling mindset for a couple of years get back into it? For context, I'm a single guy in my late twenties who used to go on a few cross-country road trips every year before the pandemic. During the pandemic, I guess a switch got turned off in my brain. And now I struggle to take any trips that are not the two trips I take every year at the Same time and place. To be clear, it's not that I can't afford to travel. I have a decent income and a quarter million unspent chase points. I just struggle mentally to justify the opportunity cost involved taking more than two weeks away from my work each year.
26:50 Speaker 03 Even though I'm glad to see the wealth I'm building with a 25% savings rate in an early age.
26:55 Speaker 02 It's great. That's great. 25% of your pay.
26:59 Speaker 03 I can't help but feel I'm letting some of my most energetic years slip by in favor of a more consistent day to day life.
27:06 Speaker 02 So Micah, you want me to to tell you to get out there and go and do things? And that's exactly what I'll do. You know, no dying man ever said that he wished he spent more time at his work. All work, no play. You'll burn out. Life is a marathon, not a sprint. And if you've not heard me say, there's never a day of vacation I don't use. Hasn't that been true?
27:35 Speaker 03 Absolutely.
27:36 Speaker 02 All the years you've known me. I mean, I take my vacation. I love it. It refreshes me. And it makes you a better worker when you get back to doing the work you love, to go and see and do. You know, you talk about how before COVID, you were doing driving trips a lot. If that's what you prefer to do, at least start there. Go do a driving trip and then let your mind wander. What would be exciting? Would it be exciting to see Big Ben in Parliament? Would it be exciting for you to go to Paris and see the Eiffel Tower? Would it be exciting to go to Tokyo? I mean, think about with those, how many hundred thousand points?
28:22 Speaker 02 I forgot.
28:22 Speaker 03 Quarter million.
28:23 Speaker 02 Quarter million points. You can, the whole world is available to you. By the way, Australia, where Lane and I just went, the airfare deals to Australia that would then translate into points have been incredible lately for most of the United States with airfares in the 700s, 800s and 900s round trip from various points in the US to Australia. Think about taking your points and going and watching the drain circle upside down.
28:56 Speaker 02 Seeing the kangaroos, the koalas, the Sydney Opera House, you name it. Think about, let your imagination take you somewhere in the world. It would be so exciting to see.
29:09 Speaker 03 Wally in Georgia says, as it's tax time and you advise us to use extreme caution with payment apps, do you believe it's safe to use Cash App for doing my taxes? It's still free and I have my refund deposited into one of my bank accounts. I have $0 in Cash App and have only used it for tax filings since Credit Karma did away with free filing and transitioned to TurboTax. Cash App does have my bank information so it can deposit the refund. Thank you for all your advice and I'm glad to see you taking more time off and enjoying semi-retirement.
29:39 Speaker 02 I can't believe you read the word retirement at all.
29:41 Speaker 03 I know because it's not.
29:43 Speaker 02 That's like a cuss word to you about me.
29:45 Speaker 03 Well, because you've said it before, like years ago, that you're retiring from your radio show, but really you're still doing podcasts.
29:53 Speaker 02 Transitioning.
29:54 Speaker 03 Right, right.
29:54 Speaker 02 I was trying not to hurt the feelings of station group managers.
29:58 Speaker 03 Right, but not a week goes by when someone says, oh, Clark's still doing a podcast? I thought he said he retired.
30:03 Speaker 02 Yeah, yeah. I worry a lot about other people's feelings.
30:06 Speaker 03 The gift that keeps on giving.
30:08 Speaker 02 Yeah, okay.
30:09 Speaker 03 Tell all your friends Clark still does a podcast.
30:12 Speaker 02 And a YouTube show.
30:13 Speaker 03 And a YouTube.
30:13 Speaker 02 And TV around the country and radio around the country. Anyway, yeah, using Cash App for taxes for simple returns, it's free and it's absolutely fine. No risk to using it versus any other tax software. And also at Free File, at IRS.gov, you'll see a lot of tax preparation services that you can use for free. Some of them include both federal and state filing, which Cash App does. Others only include free federal filing and states that have a state income tax. And about 2/3rds of Americans are eligible for direct file, which is where embedded in the IRS website,
30:56 Speaker 02 you can file your return right then and there. And of course, that's free. So paying for taxes to be prepared for you is really only for people with really complicated financial situations, complicated family situations, owning your own business, making a lot of money. Those are the circumstances where you pay to have your taxes done. Otherwise, yes, you use a free version, Wally, like you are with Cash App and many others. And we have a lot of information at Clark.com. If you have not done your tax return yet, how you can file your taxes for free. Good price because you're already having to,
31:41 Speaker 02 maybe if you're filing late, means you owe money. And that's why you're filing late. Late, late, meaning not right as soon as returns open. And so why add salt to the wounds having to pay to do a return? To then pay money, more money to the IRS or to your state taxing authority. I want to thank you so much for joining us today on today's podcast and YouTube show. And this is all about your empowerment with knowledge that you can take more control of your wallet. That's what we're about here. So many different ways, including our websites, Clark.com and Clarkdeals.com.
32:26 Speaker 02 Our free one-on-one advice available 30 hours each week from the Team Clark Consumer Action Center. If you want to see how to do that, go to Clark.com/CAC. Everything we do on social media, our newsletters, it's all about empowering you so that you have the knowledge to save more, spend less, and avoid getting ripped off. And have a great rest of your day.
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