Pod Insights The Clark Howard Podcast 03.23.26 SAVE MORE On Gasoline And Printer Ink About this episode There are ways to combat the runup in gas prices right now. Clark shares a smart strategy to help stretch your gas money, and explains why used EVs are a bargain for the right driver. Also, are you tired of being ripped off by printer ink? Clark breaks down the "cheap printer, expensive ink" trap and reveals smarter ways to save. SPEND LESS On Gasoline: Segment 1 Ask Clark: Segment 2 Avoid Printer Ink Rip-Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 'Half-Tank' Strategy To Save on Gas How To Save Money on Gas: 23 Ways - Clark Howard How long do electric vehicle batteries actually last? BYD just killed your EV argument with a battery that competes with gas engines The Best Car-Buying Services - Clark Howard Report: Best Used Cars for the Money - Clark Howard 6 Things To Know Before You Buy Gas at Costco Wholesale Where To Buy the Best Cheap Printer - Clark Howard Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard National Academy of Elder Law Attorneys Home NAELA 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. Visit megaphone.fm/adchoices
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1:04 Speaker 02 It's my pleasure to welcome you here to the Clark Howard Show, where our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And today, I'm going to talk about how to deal with the crazy run-up in gasoline prices that's going on right now. And later, you know what's more expensive per gallon than gasoline? Printer ink. How much more expensive? Potentially 200 times more expensive. What do you do about it? I'm going to give you my suggestions. Actually, I'm wrong about that. It's 2,000 times more expensive per gallon.
1:49 Speaker 02 Even worse than I said, but we're going to talk about that ahead. Right now, though... Gas prices are moving up around the country, much more other places in the world. We benefit from being the world's largest producer right now of gasoline. We don't have enough diesel production in the United States and truckers and anyone who drives a diesel vehicle, you're feeling it big time right now with the shortage of available diesel. The airlines feeling, as I mentioned the other day, and what they're paying for jet
2:27 Speaker 02 fuel, but for regular gasoline, regular fuel, there's a pattern that always happens during times where the price of a barrel of oil and the cost of a gallon at wholesale, moving very quickly up or down, the gap in price from one place to another is much wider than normal. Like, let's say normally, and I'm using round numbers here, but there's normally in most areas, within a reasonable radius of where you live, there'll be about a dollar a gallon difference from the cheapest gas available near you to the most expensive
3:08 Speaker 02 gas near you. And I was looking, what's the difference right now? And I was looking around me, and then I looked at two other metro areas, and it was about a buck seventy-five a gallon within a five-mile radius from the cheapest to the most expensive. So, right now, what you have is you have stations that have not received a new load of fuel that's going to lead to a higher price, or marketing decisions where a gasoline retailer, you might find this with supermarkets that sell gas, or Walmart gas stations, or the warehouse
3:50 Speaker 02 clubs, that they are using this as a marketing opportunity, and they're absorbing some of the increase, leading to this much wider gap than normal. So, what I'd like for you to do at a time of volatility like this, is that you start paying attention to what prices are on your route. When you're at half a tank and as you're driving down a road and you see, oh, that's a good price over there. That's much cheaper than I've seen recently. Go ahead, go fill up. You can also use gasbuddy.com and see what's near you that you didn't know because maybe it's not a route you normally drive, but a mile away, there could be a place that's
4:32 Speaker 02 offering much cheaper gasoline. And I wanted to tell you that there's been story after story since this started with the higher gas prices. Well, is this when you should buy an electric vehicle? No, people don't make a decision to ditch a vehicle and buy another one just because of temporary price movements. Because once things are settled in Iran, however that's going to be, the cost of a gallon of gas, it'll take a while, but it'll trend back down because prior to hostilities beginning in the Middle East,
5:13 Speaker 02 the world had the opposite problem. We had production of oil exceeding what underlying demand was in the world. So it'll take a while, but we'll get supply and demand back in sync. And nobody's going to want that more than trucking companies and individual tractor owners because their cost of pulling that trailer down the interstate is so high right now. On electric vehicles, though, I wanted to say that if you're in the market for a vehicle, the cost of used electric vehicles, because electric's so out right
5:51 Speaker 02 now, the cost of used ones is a deal. And they're so cheap to run versus a gas engine vehicle, that if it fits your lifestyle, looking at one as an alternative, just make sure that the battery is covered for a sufficient number of years and miles still to come, because you don't want to buy that kind of trouble if you're near the end of warranty or a vehicle's already out of warranty on the batteries. The battery goes, that's a big number repair.
6:27 Speaker 03 Okay, you ready for questions?
6:28 Speaker 02 Sure am.
6:29 Speaker 03 Mark in South Carolina sent this one in. I'm wondering how a man that would be concerned about saving a dollar at the grocery store would ever buy an EV. Even if it's to save money on gas, it's common knowledge that rapid depreciation of an EV, higher insurance costs, and the cost of repairs compared to a similar gas-powered vehicle more than cancel any savings at the pump. Then there's the cost of charging an EV. If you want rapid charging at home, it can cost thousands to have the equipment installed. If you can actually find a charging station, it could be expensive, time-consuming, and inconvenient. Just call me curious.
7:03 Speaker 02 All right, Mark, thank you. I'm going to take your question statements in reverse order. Charging has become much more reliable over the last 18 months in the US, and the speed of charging at public chargers has gotten so much better. And I should mention, the Chinese have had a breakthrough, and they can now charge an electric vehicle in five minutes to 80% charge. And there's no reason, if the Chinese have done it, we won't be able to do that in the future. Charging at home is actually far cheaper than gasoline. But let's go to the core of what you said.
7:46 Speaker 02 Why do I drive an electric vehicle? Because it's fun. I mean, before I owned my first electric vehicle, I had always been a hybrid driver going back to year 2000. And I loved driving a hybrid. You know, I was getting, depending on the model, I was getting up to 50 miles a gallon. And if you want the cheapest transportation today, almost certainly that remains, if you're buying new, a hybrid. But electric vehicles are just flat-out fun to drive. So for once, for me... It wasn't about the money.
8:30 Speaker 03 Richard in Maryland says, I need to buy a used car. Where does Clark suggest buying one? I only need the car to last me another 18 months and I don't want to spend more than $10,000. CarMax seems to be expensive, but they have really clean cars and a warranty. Is it wise to buy a used car at CarMax or at Carvana?
8:49 Speaker 02 Richard, Carvana and CarMax are taking steadily more market share in used vehicles because they stand behind what they sell and they give you the right to return them for a full refund for a period of time. And I just have been so shocked that traditional car dealers have not seen what the marketplace is demanding, which is clear, no games pricing, and consumer protections built into the purchase of a used vehicle because you don't know what trouble you're buying because a used vehicle has a history and many times it's not good.
9:32 Speaker 02 Even having said that, during the time period with CarMax or Carvana, that you have the right to return a vehicle for a full refund, have it inspected by a mechanic you're choosing to make sure it's mechanically sound, especially with one you're trying to buy for 10K or less. Also, there's a list that Consumer Reports has, you'll have to go to the library or buy one-time access, that lists older vehicles that they have found that as models, particular models, have proven to be very reliable even with high mileage and older vehicles. And
10:14 Speaker 02 so if you follow that funnel, you start with that list of the vehicles that have proven as models to be the most reliable. You buy one of those, have it inspected after you purchase. If it's not in sound condition, take it back, get your money back, and try again.
10:33 Speaker 03 Have it inspected after from those places, but from anyone else.
10:36 Speaker 02 Right, from a regular dealer, from a regular Dealer where the second you sign the paper, you own it. You have to have the inspection done before you take delivery.
10:46 Speaker 03 Yeah, or an individual.
10:47 Speaker 02 Or, yeah.
10:47 Speaker 03 Warren in Oregon says, I know inside Costco stores, prices have a maximum markup over their costs, but what about at the fueling stations? There are two Costcos about 10 miles apart. On a particular day, one has higher prices than the other. Some have suggested local taxes, but ironically, the lower priced station is in an area with a local fuel tax and the higher priced station is not. Others have said it's because the higher priced station got a more recent delivery. But some say, and I don't know if it's true, that both stations get multiple day deliveries, daily deliveries. So why would these two stations have such different prices? Is this cost plus like they do inside the store? Not the way they set the maximum fuel price?
11:28 Speaker 02 So, all right, I'm gonna give you a real world example. Krista lives in a really snobby part of town.
11:34 Speaker 03 Oh, whatever.
11:36 Speaker 02 You do. And your Costco has the highest gas prices of any Costco I know in your metro area.
11:46 Speaker 03 Oh, wow.
11:47 Speaker 02 And the reason is the Costco that I go to is in an area with a lot of price competition.
11:55 Speaker 03 Yeah, because you live in a really, really rundown neighborhood yourself, huh?
12:00 Speaker 02 Well, the Costco I go to is not, not right where I live. I have to drive further.
12:07 Speaker 03 Okay.
12:07 Speaker 02 I mean, you could walk to your Costco, right?
12:10 Speaker 03 Yeah.
12:10 Speaker 02 Yeah, so I can't. So what Costcos do is they do a, I don't know who it's assigned to, an assistant manager or whatever. They do a five mile survey of what the competition is around them. And the goal is to be 20 cents cheaper than the competition within that five mile sweep. Well, where you live, the gas stations available that compete with Costco are all like a million dollars. It's like, I mean, it's crazy how you, you don't look at prices, but they're really, really.
12:45 Speaker 03 I don't look at gas prices because I don't have to buy gas.
12:47 Speaker 02 Yeah, because you drive electric. So Costco, each location.
12:53 Speaker 02 Sells gas based on what the competition is around it. But the most they'll mark up is the 15% above their cost because their gas is sold as Kirkland Signature Gas. So 15% is the highest markup. But I assume they don't release this information, but they'll even sell gas below cost if prices are really cheap around that store. They then price accordingly. So you know you can go to Costco and you're getting the best price in your trading area.
13:29 Speaker 03 Also, speaking of Costco, the naming your next dog thing continues. And someone wrote in and suggested K-Sig. But you do already have a dog named Kirkland Signature.
13:39 Speaker 02 Yeah, we already have Kirkland. So my wife.
13:42 Speaker 03 I like it though, K-Sig.
13:43 Speaker 02 My wife wants our next dog to be TJ for Trader Joe's.
13:46 Speaker 03 Oh, yeah. I thought she wanted Dyson.
13:48 Speaker 02 Oh, she did want Dyson too. Well, see, Elaine, if she could, would be like the movie 101 Dalmatians. She'd have 101 dogs or more. And so, anyway, she can have her time to talk about why we should have 101 dogs. I'm happy with two. Noah's Ark rule. You have two, right?
14:10 Speaker 03 I have two.
14:11 Speaker 02 Yeah. Your dogs would eat my dogs in one second. Coming up ahead, if you think you know the biggest ripoff out there, probably you don't because I think the biggest ripoff out there is the way we get cheated with office printers or at-home printers. I'm going to tell you how the game is played, what you need to know.
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17:39 Speaker 02 So, one thing that I'm grateful for, we don't print like we used to. Think about how important printers were, and now how seldom people even have printers. That's good, because the companies that make printers had really come up with a business model that they mimicked Gillette. And I don't know if you know the Gillette thing, but Gillette, if you go to buy a new razor, Gillette sells you the handle for the blades at a huge loss. They'll sell you a really fancy handle for your blades, because then they make the blades
18:24 Speaker 02 proprietary normally to fit that razor. So you're paying basically nothing for the razor and a markup beyond your imagination for the blade. And so that's the way the game is played. So years ago, Hewlett Packard was like, "This is brilliant. This is how we're going to do printers too." So Hewlett Packard, which was, I don't know if they still are, they were the largest seller of printers in the United States. Hewlett Packard came up with this business model. It was just imitation The Greatest Flattery. They didn't care how much money they lost on the printer because the ink they sell for like
19:09 Speaker 02 $6,000 a gallon supposedly. I mean, it's really expensive. So that's the way it's been. But the reality is, there are a couple of things you should know. First, started by Epson, that came up with the EcoTank, EchoTank, whatever they call it, where you pay an actual real price for the printer, and then the ink costs like nothing. And so for people who need to print and color, that became a great alternative. Except, a lot of the Epson EcoTank printers were not very reliable. So you'd end up with a lot of really cheap ink and a dead
19:50 Speaker 02 printer, potentially. But some of the other inkjet kind of companies started offering both options, where you could buy a printer at a real price, and the ink really cheap, or you could buy the printer at a fake price and get clobbered on the ink. But for most of us, the best answer of all is buy a laser jet, a monochrome, black ink, laser jet printer. If you don't need color, printing laser is so much cheaper per page with most any brand,
20:32 Speaker 02 but the best deals seem to be historically from Brother on the cartridges for the laser printers, and you can hold down your price. We've had a couple of people write in with comments that, "Why do I never talk about the subscriptions for ink?" So I will. There are programs now where you pay so much per month, and it buys you so many prints. And if you are a low-volume user, even though the cost per page may be high, if you're doing really low print volume...
21:14 Speaker 02 The subscription gives you a set price that can be overall very affordable access to printing for a very low volume print use. I print per month now, maybe five pages a month. How much printing do you do?
21:35 Speaker 03 Well, I recently did a lot because of tax season. I always print everything out so I have copies, even if I'm sending PDFs to my accountant.
21:42 Speaker 02 Okay.
21:42 Speaker 03 Um, so it just depends. I also print out, I also do a ton of scanning with my printer, which doesn't count, but sometimes I have to print out contracts and stuff for your business that I sign and then re-scan. So I do quite a bit, not like I used to, of course.
21:57 Speaker 02 And are you using a laser?
21:59 Speaker 03 No, I have a, I have to get ink and recently I did have to refill it. And I, I went to an office store where they do sell generics for most of the big brands. They didn't have the one I needed. So I went on Amazon and I found a generic that said it would work with my printer because you don't have to worry about the digital rights manager, the DRM, and they work. So I was able to get a generic and save money and just did it that way. With the subscriptions, do they make you get it at a regular time though? Like every month or every two months?
22:29 Speaker 02 Yeah, they charge you per month.
22:31 Speaker 03 Yeah.
22:31 Speaker 02 Up to so many copies. So that's gotta be, that's why, but we've had the question.
22:35 Speaker 03 Yeah.
22:36 Speaker 02 And the reality is it's for a very thin sliver of the market for very low, low volume printing.
22:43 Speaker 03 All right. We'll go to questions. This one's from Eric in California, a timely one. Do you want me to say the name of this ticket seller?
22:51 Speaker 02 Yeah, you say all of them.
22:52 Speaker 03 Eric says, I bought two tickets to see the Dodgers opening day game from StubHub. I bought wonderful seats in the field level behind the dugout. I got a very good deal on these tickets. The order went through and I received the confirmation email for the sale. The email had my correct seats listed and said I would receive my tickets soon. A few days later, I got an email that said I was being upgraded and here were my new seats. The seats were on the third level out past the foul pole.
23:20 Speaker 02 Those were the new better seats?
23:23 Speaker 03 I immediately contacted StubHub via their chat box and later over the phone. I explained my situation. They offered a refund, but that doesn't help because I would now have to pay three times as much for the same tickets. I just received an email that they have refunded my credit card and I'm now stuck. Do you have any suggestions on how I can get them to live up to their end of the deal and provide me with similar tickets to my purchase at the same price?
23:48 Speaker 02 Eric, you are gonna hate me? Don't shoot the messenger. All right. StubHub's guarantee that they tout in big letters. Have you ever read the StubHub guarantee?
24:02 Speaker 03 No.
24:02 Speaker 02 I did the last time. I had this on TV. So I read the thing. The guarantee that is supposed to give you complete peace of mind is they give you your money back and wash their hands of the situation, just like they did to you.
24:21 Speaker 03 Because they're only a third-party seller, right? Like, they don't sell directly. It's other people. They're a marketplace.
24:26 Speaker 02 Right. But if you, as a seller or a buyer, get cheated,
24:30 Speaker 03 Yeah.
24:30 Speaker 02 all they basically do is say, "Okay, here's your money. Bye."
24:35 Speaker 03 So the person selling those tickets maybe didn't actually have them, or they...
24:40 Speaker 02 Who knows? I mean, you don't, you don't find out. And, you know, usually StubHub doesn't even know. And they feel like, "Hey, we lived up to our guarantee. You're not going to the game, but you didn't lose your money." And that is their deal. And that's something that when you're buying tickets to a concert, when you're buying tickets to a sports event, you gotta know that StubHub's guarantee, that the best you're gonna end up is back where you started, which is you have your money back and you're not going to opening day. And that, to me, is not a peace-of-mind guarantee.
25:21 Speaker 03 That's a, I feel really bad for Eric in this case, for sure. I also do know that with, I know, I think StubHub and SeatGeek, a seller... Can upload their tickets to the third party seller to get, I think there's like a higher guarantee if they have possession of the tickets and then they send them to you. And then there's the also the option of them just listing their tickets without sending them through. So I've done that before and I've sold tickets. I've actually uploaded them to StubHub and then they send them to the buyer. Jessica in Georgia says, I'm nearing 40 and I'm single and I don't have any kids. It's likely that even with my siblings' help, I will be the main caretaker for our parents when they reach the stage of their life where they need assistance.
26:03 Speaker 03 I currently have life insurance that's provided through my employer, one times my salary, currently 117K. However, up to eight times is available with a medical evaluation. In the past, I've put off getting any other life insurance as I have not had dependents. Now that I might be the primary caregiver for my parents in their older age, should I consider getting a policy to assist in case of my passing? And if so, what kind of life insurance should I get? Would it be better to get it through my employer or outside of my employer?
26:32 Speaker 02 Right. We got a lot to unpack here, Jessica. First of all, you have such a good heart. You recognize upfront, you're the one who's going to be the main caregiver. It's going to be money needed to take care of your parents. And this is more complicated than just the life insurance. Cause who are you going to make the beneficiary of the life insurance? And how do you know they're going to do with it what they should? And I'm going to make two suggestions to you. First of all, as long as you're healthy, which you'd have to be to buy more than the one time your salary. You need a policy if the purpose is to provide for your parents.
27:17 Speaker 02 You need substantially more than one time your salary anyway, because of what it will cost to provide that care. And I would say that you're soon going to be what they call insured age 40, that you buy what's known as a level term insurance policy. And by 25 years, maybe 30 years, and what it does is if you medically underwrite, you have this policy that's really dirt cheap, it only pays in the event of your death. It's not any kind of savings or investment or anything, and it will provide the funds needed to provide care to your parents. And we've got a guide to how you buy level
27:59 Speaker 02 term on Clark.com that'll walk you through the steps to do so. But that's not the first step. First step is you've got to figure out who's gonna, who you're gonna trust with this money, what are going to be their responsibilities, what are they going to be expected to do? You're going to want to talk with a lawyer who, I would say, in your circumstance, what you're trying to accomplish, you want to talk with an elder law attorney, not a trust attorney. An elder law attorney is a subspecialty of the law that deals with issues with aging parents. Just so you know, they're not cheap to hire, but in this case, it would be money
28:43 Speaker 02 very well spent. And then you would figure out what kind of trust you need to have, and you fund that trust with the term life insurance policy.
28:55 Speaker 03 Okay, and James in Wisconsin says, Clark, I received an invoice from FedEx for a tariff due on an item that was delivered months ago. The total is $10.80 with a $4.50 disbursement fee. I understand I owe the tariff portion of this invoice. I don't understand why I owe their junk fee. I did not enter into any kind of contract with FedEx. Well, this is not life-changing money by any means. It's the principle of it that I don't agree with. What should I do?
29:23 Speaker 02 I mean, the tariff mess is the gift that keeps on giving. And this has been a nightmare for FedEx and UPS. Disaster for both of them. I've stated from, I don't know how many decades ago, how much I despise tariffs. And now the tariff they're trying to collect. Is probably under the, the stuff that the Supreme Court outlawed anyway. So I would first start with whether FedEx is trying to collect tariffs from you on a tariff that they are going to get a refund from because of the Supreme Court decision.
30:05 Speaker 02 So I would not pay anything yet, and I would write FedEx back and say, is this one of the tariffs that was invalidated by the Supreme Court? Let them answer that first because I want you to imagine if you just paid the 1080, forget the 450 junk fee and you pay it, you want to hold your breath that you're ever going to somehow get that back from FedEx after you paid it? If they then get a refund of it, can you imagine the nightmare for FedEx and UPS dealing with these? So for one thing, I would not pay it right now till you know it's not one of the tariffs that was invalidated by the Supreme Court.
30:49 Speaker 02 And if it is one that was invalidated by the Supreme Court, send them the 1080 since you object to the 450 and let's see what they do. Tariffs, I'm not going to get into the whole tariff thing. Just know, I don't care who's in the White House. I've always hated tariffs. Conversation for another day. Just look at economic history, you'll see why. And I want to thank you so much for joining us today. And I look so forward to being with you again this Wednesday for more empowerment for your wallet. Because what we're about every day, every way, whether you live in a market that you
31:28 Speaker 02 see me on TV, hear me on radio, read me in a newspaper, go to our websites, watch something we posted on social media. Our newsletters are the best. You can see how they work. Go to Clark.com/newsletters. They're free and we make it just as easy if you find it not useful in your life to can your subscription as we make it for you to sign up for it. And remember again, even though they're free, they're priceless where you learn ways to save more, spend less, and never, never, not ever get ripped off. And see you Wednesday.
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