Pod Insights The Clark Howard Podcast 07.22.26 Electronics: Repair Or Replace? / Buying Insurance About this episode The days of automatically upgrading your phone or computer every time it slows down are officially over. Clark breaks down why inflation and rising component costs mean tech prices are going "up, up, and away." Tech giants like Apple are raising device prices to protect their profit margins. While Clark has advised against sinking money into old electronics, the math has changed. Clark shares his rule of thumb for deciding when to repair versus replace, why TVs remain the one truly disposable tech item, and how to avoid the "free phone trap" being pushed by the big three wireless carriers. Also, Clark dives into the massive shakeup happening in the insurance industry. State Farm is facing major backlash from its own agents after dropping a hammer on their compensation models—a desperate move to compete in a market where they are losing ground. Hear which company has taken the lead by embracing a hybrid model, and what to expect buying online vs. with an agent. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark.
Electronics: Repair Or Replace?: Segment 1
Ask Clark: Segment 2
Buying Insurance: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The ‘right to repair’ movement has a point, but consumers should read the warranty fine print first — The Conversation
Why You Should Avoid These Free Offers From Verizon, AT&T and T-Mobile
5 Vacation Scams To Avoid This Travel Season - Clark Howard
How to Shop for Lower Car Insurance - Clark Howard
Best and Worst Homeowners Insurance Companies - Clark Howard
Homeowners Insurance Archives - Clark Howard
State Farm’s AI Plan for Sales Agents Sparks Uproar. ‘A Real Slap in the Face.’
Is Accident Forgiveness Worth It? - Clark Howard
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
Transcript 0:00 Speaker 00 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.
0:12 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
0:15 Speaker 02 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.
0:50 Speaker 03 It's my pleasure to welcome you 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. Today, new advice on when to fix and when to ditch an item you have. And also, the way you buy auto and homeowner's insurance is changing a lot. And I want to talk to you about the trends that may be the friend for your wallet, but not at all your friend when it comes to customer service.
1:28 Speaker 03 So in the past, I've not been a fan at all of spending any money to repair electronics because they depreciate so quickly. The new models tend to be far more capable, on and on and on. So I've been part of what's known as forced obsolescence, where things that still look fine and may be fine for years to come, but need to go into sickbay, I've never thought it was worth it to fix them. Well, that was then, this is now. There's a big problem right now in electronics.
2:11 Speaker 03 And that is the cost of the components. In the electronics, cell phones, computers, laptops are going up, up in a way right now. And yes, apparently, a lot of that we can blame on AI and gobbling up various components that we need in consumer items. Apple announced weeks ago that they are going to push up the cost of their various devices quite a bit because they can't maintain profit margins right now with the much higher component costs. One of our computers croaked. It's one we use for the podcast and YouTube show.
2:54 Speaker 03 We had to decide, are we going to try to fix that one? Or are we going to replace it? And so Chris and I ultimately made the decision to replace that one because the one that we had had was so very old. It was really past that point that would even be a consideration to bring it back to life. So we had to buy a new one and it was probably $150 more than the equivalent computer would have been a year ago. So the, the price impacts are there. But now it's more like because of the stuff with the new devices of various types of
3:37 Speaker 03 electronics, cell phones, you're going to see it hit you hard when the new series of iPhones come out. It's going to be really bad. And so if your phone needs minor repairs, maybe you cracked your screen and you weren't going to fix it and you were just going to wait and buy the new phone. Or your battery was, these are the two complaints I hear about iPhones from my family. The battery starts to degrade, like my wife's is at the point, she said, oh, Apple must have decided I need a new phone now because my battery isn't working worth a beep. Anyway, so those components versus the cost of buying a new phone and the fact that Apple
4:20 Speaker 03 does a great job with supporting software year after year, even in older devices. This is a time that the smarter decision would be to do that repair. Those repairs are not crazy expensive. Get your phone done and then extend the life of it instead of feeling like you need to buy a new phone. And When the new versions of phones come out, it's not as big a splash when the new Samsung's come out, it's bigger with the iPhones. But when the three full fare, full fare, three full price cellphone companies, AT&T, T-Mobile, and Verizon are pushing the upgrade your
5:05 Speaker 03 phone, we'll give you a new blah, blah, blah for free, but you're gonna have to pay for it over three years, and then you're handcuffed us for three more years. That's a trap. That's a trap. I want you to be a free agent on your phone. I don't want you to be in their supposedly free house that ain't free at all. So repair that phone, keep it going. Laptops, just like we had to make a decision, the age of the laptop matters. And so depending on how much a repair will be, and how old the device is, and how long the software is supported, in the past where you might have just said, okay, I'm getting a new model.
5:49 Speaker 03 Now it's a thought process. I want you to think that through. What is still disposable? Okay, don't get mad at me. Don't get mad at me. TVs, because TVs have continued to get cheaper and cheaper and cheaper. They are such a fast depreciating item, didn't call it an asset, that when one of those croaks out of warranty, wash your hands of it, and you got a new model. Yeah, I'm creating e-waste.
6:20 Speaker 04 Okay, let's go to some questions. Christie in Colorado wrote in with this one. My husband and I are recently retired and are looking to rent a small home or condo for a month somewhere warm in the winter of 2627. I ran across Furnished Finder online, which offers monthly stays at much better price than Airbnb or VRBO. My research tells me this is a legit company and that the rates are less since this is an advertising site rather than a booking site with no commissions paid by landlords. However, that means that booking directly with landlords and none of the protections are in place that we get with the big two companies. If I do my research by verifying listings, etc., do you recommend this site?
7:03 Speaker 03 Okay, so the ratings.
7:06 Speaker 03 That are out there on it are very poor. And that's because you have no idea who you're dealing with just by looking at the listings. It is just almost like a message board listing stuff.
7:21 Speaker 04 Like a classified.
7:22 Speaker 03 Classified. Thank you.
7:24 Speaker 04 Mm hmm. No problem.
7:26 Speaker 03 And so.
7:27 Speaker 04 It's a blast from the past.
7:28 Speaker 03 Right. So they're rating the BBB ratings an F.
7:33 Speaker 04 Yes.
7:34 Speaker 03 And on TrustPilot, they got a 1.5. Now, interestingly about that, you also looked up Airbnb's TrustPilot rating.
7:43 Speaker 04 Yeah, I did, just for fun.
7:44 Speaker 03 And it's lower.
7:45 Speaker 04 Uh huh. It's lower. It's lower.
7:48 Speaker 03 Airbnb is going through a troubled adolescence. But anyway, the thing is, it is as if you saw somebody had a place listed. And let's say you wanted to go to Lake Tahoe for a month and you saw a place listed online. It was just listed there. You were searching Lake Tahoe rentals. That's what it is. There's no vetting of the things that go on Furnish Finder. It's just a listing service. Everything pretty much is done between you and who that landlord is. And that's where you could end up with potential problems, scamsters, whatever.
8:30 Speaker 03 And so it is one that you would have to, as best you could, thoroughly research a property and ownership and all that to make sure that you're renting from the actual owner of the property. And that they really have that legit place. It's really like the pictures. I mean, it's a lot of deep dig to be okay. Now, let me go to that thing I just alluded to just a second ago. A big problem with rentals is that someone has stolen pictures, description, listing, and often they'll do it off of something like Zillow, a property that's for sale or
9:12 Speaker 03 something. They pretend to be the owner. They put it on a rental site and everything looks great. They're really friendly and all that. They respond to your messages right away. And you send them the money and you show up there and it's not their place.
9:27 Speaker 04 Mm hmm.
9:28 Speaker 03 And you've already paid the money. So this is an area that all your radar need to go up on and know that there's nothing particularly special about Furnish Finder, except it's great for legit landlords because they're not paying all the fees. The problem is, is the renter. How do you know it's really A-OK?
9:51 Speaker 04 Sam in Utah says, hello Clark. I'm seeing advertisements online for a product called, do you want me to say the name?
9:57 Speaker 03 Sure.
9:57 Speaker 04 I think it's supposed to be Glo- Globe Blinker, but it's, there's no E at the end of globe. G L O Blinker. It says that it's mobile internet that you can take with you internationally. The idea is that you pay for the device $150. It comes preloaded with 10 gigs of internet and it will give you 2 gigs of internet for free per month for life that accrues and rolls over even with non-use. You can also pay for certain data packages if the free internet isn't enough data for you. It gets the service from cell towers nearby. Is this a legitimate product and is it worth it to buy? It seems like a cheap option compared to Starlink, but more limited since you can only use it around areas with cell towers.
10:39 Speaker 03 It seems a bit like a multi-level. People who've used it report that it's extremely slow service, but it does work. It allows you to check your email, do simple web searches and all that. It's like a little portable modem device. Like we used to talk about for portable Wi-Fi in the United States when you'd buy a little device and travel around the US. This is an international version. Now, the pricing model moves around. I've been seeing a lot that's higher than $150, like $165.
11:18 Speaker 03 And so far, so good. Since there's no, though, ongoing payment required, I don't know how the business model is sustainable over time. I mean, maybe it's on people who want to buy more data than the two, the two gigs. I, I, I don't know, but people who've used it say, yeah, yeah, it works. It's just not very fast. So, which is a lot how people used to talk about the roaming devices we talked about when people would travel around the U.S. with the little portable modems. So it doesn't seem to be a scam. It does seem to do what they promise.
12:04 Speaker 03 But how it goes on over time, I don't know.
12:08 Speaker 04 Joe in Virginia says, can I pay for undergraduate college tuition by giving stock to the school in exchange for tuition? Also, can I pay for tuition with stock from the company where I work?
12:21 Speaker 03 Boy, that would be fantastic, right? So, Joe, any university will be thrilled to take charitable donations from you of what's known as appreciated stock. Huge benefit to you doing that because you don't pay capital gains tax on the gain in the stock, but you get a full charitable write-off. There is no equivalent I've seen anywhere for giving shares of stock in lieu of paying dollars and cents for tuition. And universities are becoming desperate enough to find students and get revenue. Maybe somebody's going to start doing that, but I've never seen that anywhere.
13:06 Speaker 03 But I do want to circle back and say, for anyone giving to any charitable organization, if you are a really charitable person, you want to give a nice donation to something, giving, instead of giving dollars and cents, or pulling out your credit card and making a donation, which so many charitable donations are now made by credit card, that you do give appreciated stock for the double tax benefit you get with it. And if anybody's heard of any university that's allowing people to pay tuition with shares of stock?
13:45 Speaker 03 Please let us know because that's one that's not occurred to me. And maybe there are people in the business offices of universities like, huh, this is a new way to get in more students and get revenue. Maybe somebody else saying, yeah, that is a good idea. Coming up ahead, the way buying insurance works is going through a steady shift in the U.S. I want you to understand the trends that are both your friend and your foe.
14:18 Speaker 00 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.
14:30 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
14:33 Speaker 02 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.
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16:16 Speaker 03 Individual oven times may vary. There's been huge media coverage about what's happening to the State Farm agents across America. State Farm that used to be the dominant auto and homeowners insurer in the United States has been in significant decline. And State Farm agents, what was the slogan? Something your neighbor is here, whatever. The idea was you had your friendly State Farm agent who sold you your insurance, who managed your policies. And when you had the oops, you had the accident or the claim or whatever, you called him or her and they got things going for you.
16:59 Speaker 03 And they were, they were there for you as kind of your ambassador when something went wrong. Well, the model has not been working for State Farm. And a lot of State Farm agents mid-career are finding the rug pulled out from under them. And the companies received a lot of negative media coverage for how poorly they've handled it and how brutal they're being to the agents with changing the whole business model in the middle of the game. And agents are going to generally see apparently a big decline in income. And it was imposed on them kind of like from on high, this is it.
17:44 Speaker 03 And the hammer was dropped on the agents. So there's a reason that State Farm, I mean, there's no reason to have handled it so poorly. But the reason State Farm is
17:58 Speaker 03 Doing a change in how they do business is the way people buy insurance has changed so much and it's why State Farm's significance in the marketplace has declined and the market leader is now Progressive Insurance. Progressive Insurance has always followed a dual model, looking to sell insurance direct to a customer online, or if you want by phone, but generally online, and at the same time, supporting sale through independent agents. So they were playing every side of the street. People who want automation, people who want to make a phone
18:41 Speaker 03 call, and people who want the human. And so they've been able to grow and grow and grow. But there's another part to the Progressive story. They have been the most sophisticated insurer in the US on auto and how they micro rate an individual driver. A lot of insurers have had these broad categories. Oh, you had an accident. Your rates are going up, blah, blah, blah percent. You got a ticket. Oh, we're going to get you on that for three years. Progressive has sliced and diced the market much more finely and it's allowed them to grow. And so the industry, like so many others, people that are younger want to do it online,
19:26 Speaker 03 on their phone. They don't even want to deal with a laptop. They want to buy it on their phone. Blah, blah, blah. I mean, look at Carvana. They've become a powerhouse, selling the second most expensive thing people ever buy on their phone while they're having a sip of their latte at an overpriced coffee place. Anyway, the thing about this is that the insurance industry is meeting the customer. Where they are. And if you don't adapt to the marketplace that is going electronic, that is what's happening. But this is the other side of the equation.
20:05 Speaker 03 One of the secret sauces that led to that enormous success of State Farm for generations, until recently, was that when the chips are down, you weren't calling an 800 number and getting somebody there. So you had an accident. What is it you want to say? You were calling your State Farm agent when you were feeling vulnerable because a tree fell through your roof, or you had a wreck. And that agent's like, oh, no, are you okay? How's, you know, they, many times they know your kids' names. Were blah, blah, blah, or blah, blah, blah in the car with you? That personalized thing. There are a lot of people who don't expect that anymore,
20:50 Speaker 03 aren't looking for it anymore. And the way you buy has modified a lot. But you will notice if you were old school, that when you do have that claim, it's going to be really different dealing with the automation. Do you know, Krista, that now when you call in to some insurers, AI is processing your claim?
21:13 Speaker 04 Yep.
21:14 Speaker 03 Instead of talking to a human? Or they encourage you to go on your phone, on their app, and report your claim on the app? And the human thing is being gradually reduced in the process. So that is the trade off.
21:32 Speaker 04 Okay, I've got a couple of insurance things to read to you here. This one's from Steve in Georgia. Could calling my homeowner's insurance company to ask about a potential future problem cause my premium to increase? My neighbor owns a retaining wall that holds up my yard. It's rotten. I know. It's rotten, neglected, and bound to collapse soon. When it does collapse, it will cause a lot of damage to my property. The neighbor is unwilling to replace the wall. I want to call my insurance to ask if they'll pay for the inevitable repair. And hopefully get those costs recovered from my neighbor's insurance. But I'm concerned that bringing the issue to my insurance company's attention will be enough for them to raise my premiums.
22:13 Speaker 04 The cost to replace the wall is 15 to 20,000 dollars more if it's done after a collapse.
22:20 Speaker 03 So Steve, we got to talk here. So you say the neighbor owns the retaining wall, but you're the beneficiary of that retaining wall. That's an unusual situation. Would your insurance company just calling to inquire, put it in the system as what's known as a no cost claim? Yeah, a lot of insurers would. We have had a lot of back and forth about no cost claims just recently. And a no cost claim in most states will be treated as a bad mark on you for homeowner's insurance with your own insurer. And if you were to reshop it with others as well.
23:02 Speaker 03 You know, when you call an insurer now, they're using, you try to call anonymously. You don't put in your policy number when asked for and all that. And you think, oh, I'm, I'm fine here. I can ask whatever I want. Caller ID. If you're calling from a number registered in their system or databases they use identify as you, then that person answers, they say, hello, Mr. Steve. Well, see, you've been with us for 11 years. Thank you so much for your loyalty. How can we help you today, Steve? Bam. There's nothing anonymous about that phone call and nothing that keeps you out of potential
23:46 Speaker 03 risk of them putting that in the system and it going in as a zero dollar claim. Even though nothing's happened, you're just asking a theoretical. So I'm going to say some things that are going to blow your mind. You are the one that suffers from what you've described more than your neighbor with this deteriorating wall collapsing. Neighbor is like, yeah, so what? It's not going to bother me if the wall falls. The better part of valor, don't hate me. You can't throw anything through the microphone at me or the camera. I would encourage you, Steve, to see if the neighbor will split the cost with you
24:26 Speaker 03 of shoring up that wall, repairing it where it's creating, where it's showing real fatigue and could cause a catastrophic collapse. Because what you said is it's going to cost a lot more after the collapse. The neighbor, if it's a wall that really only benefits you, has no incentive to spend their money to repair it. And even if it collapses, your insurer may not feel like it's the neighbor's responsibility. Or as they go through what's known as subrogation with the other insurer, they may decide more likely, okay, we're going to call this 50/50. You each have a claim then, you're going to have the cost
25:09 Speaker 03 anyway. So I think you see if you can negotiate a deal with the neighbor. I don't know, you have a different opinion?
25:17 Speaker 04 I think, I was thinking the same thing. And then if they refuse, I don't know, you maybe pay for it. It's if it would cause that much damage.
25:26 Speaker 03 I mean, and you're thinking, this is what insurance is for.
25:29 Speaker 04 Right.
25:30 Speaker 03 And I hate to say, and insurance is not for that anymore for homeowners. The homeowner's insurance industry is, the old Russian phrase, we pretend to pay you, you pretend to work. The insurance industry equivalent is you pay us a premium, we pretend to cover you. You only use homeowner's insurance now for catastrophic losses. You are thinking, $15,000 to $20,000, that's a catastrophe in my life. That's not what you're really insuring. You're insuring for a home, a giant loss. And that's why I want people to have the highest deductible
26:11 Speaker 03 your mortgage company will allow you to have. Because you don't want to make what in the insurance industry mindset is a smaller claim.
26:20 Speaker 04 Minnesota says, "My tip is for those with auto insurance." So basically, everyone. "Our son just got into a parking lot fender bender. The short story is, we decided to go through insurance on repairs for their vehicle because the cost of repair was pretty high. While looking at our coverages, we noticed an accident forgiveness option. It was declined. When I hit the purchase accident forgiveness option to see how much it costs, it was $0. Perhaps because it's been so long since we made a claim, I do not recall ever seeing the option to buy, or maybe I just declined because it said "purchase," even though there was no cost. Why on earth wouldn't it just be automatically added if free? So, everyone should check to see if their auto insurance offers accident forgiveness, and if so, if it's free.
27:05 Speaker 04 Keep up the great work."
27:07 Speaker 03 So, Mutt, well, this is unfortunate. Your insurer, I thought accident forgiveness was automatic in many states after five years of no accidents and no tickets. So, there may have been a mistake in their system. You're not supposed to have to elect it in the states where that is a permissible activity of an insurer. So, I would give them a call and see if maybe you were eligible for accident forgiveness, and it was their error. Because, to my knowledge, it should have been an automatic thing, if, in fact, it's allowed in your state.
27:50 Speaker 03 And if you clicked on it and it said $0, that would indicate to me that you were in a state that Minnesota would be a state that you're eligible for an insurer to sell accident forgiveness. I'd love to hear back from you after you talk to them to see if you can get that answer.
28:09 Speaker 04 And if there's a question, maybe call the Minnesota Insurance Commissioner's office.
28:13 Speaker 03 Yeah, you could do that, but I think, in this case, going to the horse's mouth, you know, asking the insurer, "Let me tell you something about the accident forgiveness thing. If it's for, you said it's for your son, and your son's a dependent in your household." So, the accident forgiveness, one of the crazy things about it... Is that accident forgiveness is forgiveness for a premium increase with your insurer. It's still considered to be an at fault accident. So when your son goes out on his own insurance at the point he does, that will likely show up and will affect his rates being on his own policy.
28:58 Speaker 03 But as long as he's on your policy, it should not affect rates. Now, I want to add an annex about this one and the prior one, both about insurance. Insurance is regulated by the states, not the federal government. So when I talk about anything with auto or homeowners, I'm talking in generalities and then you'll hear me go mealy mouthed on it and say, and it depends on in your state because there are even beyond nuances, things involved with auto and homeowners insurance that are in fact state specific.
29:34 Speaker 04 Ryan, North Carolina says, hi Clark. I'm a 67 year old retiree with approximately 325,000 in retirement savings. I only receive social security income, 2100 after Medicare. I currently own a town home with about $260,000 in equity. I will soon take off living the van life full time, traveling across America and Canada.
29:58 Speaker 03 Wow.
29:58 Speaker 04 I know, love it. I'm currently planning to rent my town home, but I'm also considering selling it and investing the proceeds to generate income. What would be your formula for deciding whether to sell or rent?
30:11 Speaker 03 So 67, at 67, you sell the townhouse, you invest the proceeds. You're likely because of your time horizon and that the income you have is social security only. You cannot invest at too high risk because let's say there's a bear market in the stock market that's a decline of 20% or more. You may not have enough years for that to recover for the income you might need to take from the proceeds that you invest from the sale of the townhome. If you rent it out, you're going to have the management hassles.
30:55 Speaker 03 You're going to have the continued overhead paying property taxes and things like that. But if you can generate nice, positive cash flow, I'm going to surprise you because I'm always so much tilted towards investing versus investor-owned real estate that you earn a steady income from. If you can generate a decent income above expenses from the rental of the townhome, I would say that at 67 is a more reliable stream of income than what you'll likely be able to generate from the proceeds of it with a very careful balance of investing
31:36 Speaker 03 because you have to be worried about market declines affecting your long-term financial stability. If you do so, you're going to be out on the road. You could be somewhere in a beautiful field in Saskatchewan or in the mountains of Alberta or British Columbia. I mean, you could be having just a grand old time and you get that message, hey, the plumbing broke or the AC broke or the whatever broke. And you have to have a plan how you're going to, by remote control from across North America, get the repairs done.
32:15 Speaker 03 But I think you start with what kind of reasonable income after expenses can you generate from renting out the townhouse? In this case, because of your age and the fact that you have just a fixed income that you can depend on, the reliable income you may be able to generate from renting, superior in this case to me from selling and having the money to invest. Just a thought. And I hope that is a great trip. And you heard, I immediately went to the Western provinces of Canada. It was terrible me. I didn't talk at all about the Canadian Maritimes and all the beauty there is there too.
32:59 Speaker 03 And then across the 50 states. You can tell how much I love travel, right? Instantly. And I love having the opportunity to be with you each and every day. And I especially love what's coming up on Friday. Clark stinks. And then also after Friday, the weekend, here we are on hump day. But thank you so much for being with us in the empowerment zone with the goal being the same with everything we do, you being empowered with knowledge. So you can save more, spend less and avoid getting ripped off. Again, I'll see you on Clark stinks.
33:44 Speaker 00 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.
33:56 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
33:59 Speaker 02 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.
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