Pod Insights The Clark Howard Podcast 10.10.25 Clark Answers His Critics on Clark Stinks / The Truth About “Free” Phone Offers About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Football season means Clark is back to watching TV, and he’s got clarification on some offers in ads you’re likely seeing too. Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna How To Watch Local Channels Without Cable Report: The Most Affordable Places To Live in America 5 Money Mistakes To Avoid When Traveling Best Way To Exchange Dollars for Foreign Currency & When To Exchange 5 Money Tips To Know Before You Travel Abroad Why You Should Never Use a Debit Card To Pay for Anything The Best Phone Plan For You - Compare Phone Plans Should you ever get a "free" phone from a wireless carrier? How To Monitor Your Credit / How To Get a Free Credit Report How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is an HSA Account and How Does It Work? 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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1:04 Speaker 02 It's my pleasure to welcome you here to The Clark Howard Show. Our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. Well, I'm fully back watching TV, it's football. And that means I'm seeing a lot of commercials. And coming up later, I'm going to talk about what I'm seeing that you need to really think through, is they're using that to brainwash you to do things I don't want you to do. But right now, it's time for my favorite thing we do every week.
1:49 Speaker 02 It's time for Clark Stinks.
1:52 Speaker 03 I should have never encouraged you to speak. You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong, maybe I'm wrong. I may be right.
2:06 Speaker 04 Boy, I stink. I didn't have the Clark stink sounder up. You had to do that.
2:09 Speaker 02 Did I do it right?
2:10 Speaker 04 Last second. You did. I'm sorry about that. All right. Greg in Oregon wrote in with this one. You stink like burnt gear oil. On a podcast, you said to try different antennas to find one that works. On the internet, you can find what size antennas you need to receive the signal and even the direction you need to point them in. One of the websites I've used is antennaweb.org. Love your cheapness. Keep it up.
2:37 Speaker 02 Thank you very much, Greg. Antenna web is what I use too. But even with antenna web, I live in a city with rolling hills and I find that antenna web is not always completely accurate. Give me a good idea of what antenna web will do. It'll show you what you can watch and whether you need a rooftop antenna or what rated power range you need for one, if you're going to have an in-home antenna, if you live in a high-rise, obviously, it's got to be one of those. But it's so great having the antennas because I'm going to talk later about
3:17 Speaker 02 my obsession with football, but the picture I'm getting is so much better than what you get with streaming or with if you still have old fashioned cable. It's crazy. If you can pull that signal in, you see the game, whatever sport you love, so much better.
3:37 Speaker 04 Speaking of streaming, by the way, also, you're slated to talk about streaming on Monday, too. So we're getting lots of information on watching TV these days. Kevin in Hawaii says, aloha, Clark. I don't think you're wrong. The cost of living is much higher in Hawaii. It's not for everyone. You must make changes and spend wisely. I hear that you would like to move to Hawaii. Other than for personal family reasons, why wouldn't you? I don't need heat or AC at all and grow some of my own food. I don't have an electric bill. Water is not expensive and you can catch it as well. Gasoline is used less. You don't need a snow shovel or winter clothes. You can even podcast from here. Just make sure you have solar and a Tesla battery.
4:23 Speaker 02 I love Hawaii. So for Laine, the dogs have to be, go through a special process and quarantine and all that. And she's freaked out about that. Then we're so far from the kids and the grandkids. And so I'd love to live in Hawaii at least several months a year. Been negotiating that for a while. Have not been successful in that negotiation yet.
4:49 Speaker 04 Pete in Massachusetts says, you said that New Hampshire was about, quote, 40% cheaper than living in Massachusetts. Though this may be true, it depends on what cities you're comparing. If you want to be on the border of Mass in New Hampshire, you'll pay nearly the same housing costs as if you lived in Mass. If you lived in northern New Hampshire, you would have saved more. You could also save more by moving to western Massachusetts. Living in New Hampshire, you save on taxes, but other costs like housing and groceries will not necessarily be 40% cheaper, depending on where you choose to live.
5:21 Speaker 02 Thank you for that post. You know, the migration to the border areas that still keep you basically in the Boston metro area, the people who've done so have done so for taxes usually.
5:35 Speaker 04 They do call it Taxachusetts.
5:38 Speaker 02 Taxachusetts. Yeah. But what you say is completely true, that with that, the housing costs have, as a result, gone up.
5:46 Speaker 04 Okay. RJ in Georgia says, Clark, your advice about getting foreign currency from an ATM when you arrive at your destination is great, but you did not warn us about the extra 10 to 15% markup charged by so many ATMs. I skipped the airport ATM because I had 70 euros in my wallet, but now I'm wandering around Paris trying to find an ATM without a big, huge, giant junk fee. The best I've found has been 10%, and I'm trying to make do with my last few euros and a credit card. Where's the best place to take money out? The airport? Specific banks? My sister-in-law is about to travel to Europe for the first time by herself, and I sent her your video. But now I feel like I need to solve this so she isn't stuck paying big fees in Italy. Thank you, Clark, for all your great advice.
6:30 Speaker 04 I'm down to my last euro.
6:32 Speaker 02 All right, RJ, I feel terrible. Laine and I, my wife and I, just went to Paris. And what I did was I went to a bank and used their ATM in Paris.
6:49 Speaker 02 When you go to an ATM so often in Europe, this is something we explained last year on a podcast. So a lot of times they'll say, do you want your money converted in Euro or in dollars? You always say Euro. And as a general rule, then there won't be junk fees. But you're right. If you go to a non-bank ATM in Europe, or you go to one typically in an airport, they're going to charge you these really junky junk fees. And in addition, this doesn't help you since you're already there. But if you check with your bank or
7:28 Speaker 02 credit union provider of an ATM, they will usually have an electronic list on their website or on their app that will show you what ATMs you can use in various countries around the world, that you'll not have any junk fees using those ATMs. We took out 250 Euro at an ATM. How many do we still have after eight days in France?
8:00 Speaker 04 150.
8:02 Speaker 02 We have 244, because everywhere we went, we used tap to pay, except twice when I had to have some Euro.
8:16 Speaker 04 I do know also, it's been mentioned before on the podcast, USAA and Schwab refund the ATM fees.
8:24 Speaker 02 Schwab unlimited number, USAA I think has a cap on how many ATM charges they'll rebate.
8:33 Speaker 04 And so I would check with your credit union.
8:34 Speaker 02 But it's not just, this isn't what we're talking about. This isn't the ATM fees.
8:38 Speaker 04 Okay, it's just extra.
8:39 Speaker 02 This is rip-off charges that are now embedded. On more and more ATMs around the world where they charge you a discriminatory exchange rate. And the key to beating that generally is you never want to accept the yes where they're converting it as a courtesy for you into US dollars. You want the conversion to be handled by your financial institution back here in the United States.
9:08 Speaker 04 And Catherine in Florida says, Clark, your recent show about the 28% rule about the various expenses potential home buyers should consider when house hunting stunk up the joint worse than a spraying competition at a skunk convention. How could you not mention the onerous HOA fees? In many cases, HOA fees can be as much as a monthly mortgage payment. And on top of that, many developments assess what's called a CDD, Community Development District fee, every month to pay for all the fancy sports facilities, golf courses, clubhouses, landscaping, and even water slides and playgrounds, whether you use them or not, and whether or not they're located in your particular subdivision within a planned community.
9:51 Speaker 04 I was house hunting recently in Ponte Vedra Beach and was shocked by the CDD fees. They were a deal breaker. Please warn your followers about this.
9:59 Speaker 02 Well, you just did. We did a segment on another podcast, not the one where I was talking about the old 28% rule, where we were talking about mandatory versus voluntary homeowner associations. The other thing is, you mentioned the CDDs. There's another fee as well that is big in a lot of Florida communities has been big in Ponte Vedra, where you're talking about where you, at time of sale, there's a junk fee assessed at that time also that goes back, in many cases, to the original developer who developed the community.
10:44 Speaker 02 That someone is doing a subsequent purchase in as like a backend additional revenue source for the original developer. And those can be substantial money, too. So developers are looking for income trails of all different kinds, including often, you were talking about the, the fees you have to pay mandatory fees for the amenities. Often, those may actually still be owned by a corporation developed by the developer who maintains the amenities in perpetuity as a continuing income source.
11:22 Speaker 04 Chris in Maryland says, "Love the show, though it's so fake. How is it that Clark has questions always related to the topic? How is it that he knows all the answers on the fly? You can't tell me he researched the questions before Chris to ask them. Just be honest with people. Your show comes off as really scripted." Although Chris says, "Love the show in the beginning." I will answer this one because I produce this show. It is not scripted. Clark literally does most things on the fly. Right before we start, he'll glance through the questions to make sure there's no additional research needed. And I put the questions in days before we record. And if there's one that's related to a topic, I love to do that. That's just my thing. Do you have anything else to say about that?
12:06 Speaker 02 Yeah, I, I don't do well in a scripted environment. I have to just be me. So you think about sometimes when I'll, when I'll answer a question and then later somebody will post, "Why didn't you mention this, that, or the other like we just had there?" And so it's more authentic, more genuine. If I'm just taking my base of knowledge and years of experience doing this and answering the question rather than, I mean, you're right. If all I'm doing is, if there was a script here, there's no script here. It just has the question and says, like, here's one. Justin from Illinois. And I see some of the question that you're gonna read.
12:48 Speaker 04 Yeah. You never see the Clark stinks before. You only see them as we're going.
12:52 Speaker 02 No.
12:52 Speaker 04 Can't read through it. Okay, that's good. I mean, it's true. The next one's from Justin in Illinois. "Clark smells worse than a tailgate porta potty in the fourth quarter." That's nasty. It's time to set the record straight on college versus NFL football. Although the NFL surely has better talent, college football provides a far better fan experience. From student sections and bans to longstanding game day traditions, entire towns shut down on game day and the tailgating is legendary. Let's not forget the weekly updated top 25, which can make for some incredible upsets, which lead to fans rushing the field and an occasional goalpost torn down. If that's not enough to let me take a shot at the below the belt, as in your wallet,
13:37 Speaker 04 the average lowest cost NFL ticket is $156 versus around $100 for college, the average of all P4 conference teams. I invite you to heed your own words to save more, spend less, and don't be ripped off by the inferior fan experience and higher price tag that the NFL offers.
13:57 Speaker 02 Okay, so just so you know, Justin, this is the same argument my son and I have all the time. That he says, that I just don't get it, that the college experience at a game is just so much more fun than the NFL game experience. And so, you've said it, he says it to me every single week.
14:24 Speaker 04 All right. Noel in Alabama says, "Hey Clark, you stink worse more than the litter box my 15-year-old swore he cleaned last week. Just kidding, you smell peachy." But just to inform your listeners about why the person's credit card was refused in Europe. The point is, we barely use credit cards. We don't have credit scores as a specific number, just a general check to see if we have a history of non-payment. We don't need them to build credit and have a healthier attitude toward money. We're taught from birth that if you can't afford it, you can't have it. So we use debit cards because what's in your account is your limit. We have great protections on our cards and we can do chargebacks if the product or service was not as advertised. And Tap to Pay is limited to 50 euros per transaction, with a maximum of three transactions
15:09 Speaker 04 before you have to enter a PIN to verify the card is yours. The max you could lose if your card is lost is 150 euros. This is the Irish way. I can't speak for all Europeans, but we do have a system called SEPA, S E P A, which is Europe-wide and offers banking protections and communication across every European bank. All in all, I think it's just a cultural difference. Why borrow money when you don't need to?
15:33 Speaker 02 Well, I love your post and I'm glad you listen in Ireland. So the reason that you hear me talk badly about debit cards is not, there's nothing inherently bad about a debit card. It's only because the banks use their corrupt influence in Congress to prevent consumer protections equivalent for a debit card what exists for a credit card. Many of us would be far better off using a debit card rather than a credit card because it would eliminate the ability to go into debt, just as you said.
16:12 Speaker 02 So if we could get adequate consumer protections in place, then me calling a piece of trash, fake Visa, or fake MasterCard would not be an expression I'd use for the debit card anymore if, in fact, there were adequate protections, like as you have pointed out so well, exist in Europe where credit and debit both have consumer protections. And that equal event does not happen in the United States. Thank you, everyone, for taking time to post today on Clark Stinks. What I marvel at is that every single edition of Clark Stinks is different.
16:57 Speaker 02 The topics brought up, the things that, that maybe I've gotten lazy about, or that I really haven't thought about, or that maybe I'm just wrong about, that it's so good for me to get that feedback from you. And I appreciate you taking the time to post each and every Clark Stinks that you post. Coming up ahead, I want to Tell you why the TV ads I'm seeing during football, college, or NFL stink.
17:31 Speaker 05 Low energy, unfocused, foggy, you might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body with a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.
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18:31 Speaker 02 So, none of us here, for those of you who watch the YouTube show, none of us here, Sally, Krista, or I, Grace, if she were not on vacation right now, would be able to give me one to hold. None of us carry iPhones. This isn't a knock on the iPhone. It's a knock on how the big three cellphone carriers use the latest intro of the iPhone, now the 17, as a way to con you into a terrible, awful, overpriced, crazy expensive cellphone plan. You know, if you go in the Wayback Machine, the funny thing during sports was there were two kinds of ads.
19:15 Speaker 02 There were beer ads and, oh, car ads. Beer ads and car ads were what you saw, one after another, after another, after another, after another. Now, what do you see? Insurance company ads and cellphone company ads.
19:30 Speaker 02 And so they're all touting, "Get your new iPhone 17 free." What is it you're really getting? You're getting a handcuff to a terrible, awful, rotten deal from the big three. Because what they do is they way overcharge for monthly service. And you're not getting the phone free, you're getting credits. As long as you jump through every hoop they have, you're getting credits month by month by month, over multiple years, where ultimately, the phone ends up being net zero to you.
20:12 Speaker 02 But in return, you have so overpaid for monthly service, that you could easily bought your phone anyway. That's the game, that's the gimmick. And that's what they're up to, is using the lure of the latest, greatest phone, as a way to get you into one of these long-term, basically, contracts, where you're way overpaying. So if you look at the discounters, many of which are owned by the big three, the cost of monthly service is as little as a third what it is buying it from the brand name itself.
20:57 Speaker 02 A third. So all that difference is more than what you're saving on the newest phone. So think about that before you do it. As for all those auto insurance things, I got something I'm going to talk about sometime soon, about how none of those companies that advertise wall-to-wall with all those cute ads...
21:22 Speaker 02 That none of those are actually high quality in terms of service to the customer on survey after survey, but that's for another time.
21:32 Speaker 04 Okay, we'll go to questions. Blanca in Florida says, "In the last year, I've received multiple texts regarding a property that does not belong to me, inquiring if I would sell it. I did some research regarding the property and found that there are two owners associated with the property in question. One of the owners has my same last name. The property currently is not for sale and it's located in a different county from where I live. I had my phone number for many years. Which government platform can I reach out to to assist me to determine if there's any fraud involved and why my number is affiliated with this property?"
22:07 Speaker 02 So they found your number. I don't know, Blanca, what your last name is, but if your last name is a more unusual one, then that may be somebody who's just prospecting, trying to find their way to one of the property owners. This is not normally a concerning situation. The problem is usually the other way, where somebody is impersonating the actual owner of a property, trying to steal the equity out of it or steal ownership of it. In your case, this is not something I would worry very much about. But if you are worried in any way, shape, form, or fashion about potential of somebody
22:50 Speaker 02 impersonating you, that's why you hear me obsessed with credit freeze. And if you don't have your credit files frozen, I would do so. But before you would freeze your credit files, which is free to do, you can see how to do it, Clark.com/creditfreeze. Go to Credit Karma, set up a Credit Karma account, then freeze your credit files. You'll be able to monitor what's going on in your name so many different ways.
23:20 Speaker 02 And once your credit's frozen, it's hard for anybody to get credit pretending to be you anyway.
23:27 Speaker 04 Louise in Georgia says, though my credit has always been in the 800s, the past year it's dropped as low as 769 and nothing has changed. I owe no money on anything. I pay my one credit card in full every month. I haven't bought anything valuable like a car, a house, et cetera. All my credit reporting companies are frozen, so no one is behind my back buying stuff. How can I find out why this is happening?
23:49 Speaker 02 Okay, so first of all, if what it's dropped to is 769, rest easy, you're in great shape. My credit score that I monitor regularly, because we get so many questions about credit, has moved as much as 90 points in the last year, up and down. It is normal that, based on the snapshot, and there's not just one credit score you have, you have, there are many different scoring models, and each credit bureau has different data on you. So you could have a different FICO score on the same scale from all three different credit bureaus. Then you've got the Vantage scores, and you have specialty scores for applying for a
24:34 Speaker 02 car loan, applying for a mortgage, all these specialty scores. So I wouldn't worry about that. But what I would do is I'd go to annualcreditreport.com, and for free, you can get copies, a full, detailed copy of your Equifax, TransUnion, and Experian credit reports. And you can look through them and see if anything's on any of the three of them that shouldn't be there. Because what can happen, even with your credit frozen, is that information of someone, same or similar name to yours, can marry into your file. And something can be
25:15 Speaker 02 there that's lowered your score from in the 800s to the upper 700s. It could be something as simple as something of somebody else's. That is not as good as how you maintain your credit could accidentally be a stray item on one or more of your three credit files. Again, when you get to annualcreditreport.com, they're going to try to sell you all kinds of junk. Don't buy anything. Just get your free credit files.
25:44 Speaker 04 And then with that one credit card you use, Louise, I would also look on that credit card site if they offer a credit score. Mine usually will say factors affecting your score. Like there may, there may be something clue in there too, just to see first. Jared in Indiana says, I have an idea for my HSA and I would like your advice. I'm 36. I make $56,000 based, 70K depending on overtime. Currently, I'm maxing out my HSA, Roth IRA, and contributing 9%. 6% is me, 3% my employer. So there's $17,200 of room in my Roth 401k. I'm hoping to utilize my HSA as a retirement account. At age 65, I don't like it that
26:25 Speaker 04 there would then be another taxable 401k for non-medical expenses. So I want to reimburse my medical expenses now and increase my Roth 401k contributions, getting that money into the Roth 401k instead. When I retire, then that money would be tax-free and it wouldn't face income tax. I would also be able to access that money at either 55 or 59 and a half. So is this kooky or do I have something here?
26:50 Speaker 02 Okay, so that may have been a little hard for people to follow. So let me lay this out, Jared. So what you're saying, you're putting money into the HSA as a tax-free, additional tax-free account, and then in retirement, that you'll withdraw money not for medical expenses but for living expenses, and then you'll have to pay tax on the HSA money. That's not the design of investing money over the years in an HSA. In retirement, we all end up with a lot of medical expenses. As we move through our retirement years, the out-of-pocket medical expenses go up. With an HSA, if you use the HSA in retirement...
27:35 Speaker 02 For only medical expenses, not only have you gotten a tax break upfront, had the money grow tax-free all through the working years. Then in retirement, when you spend it on eligible medical expenses, you spend it tax-free. That's the design. You don't use the HSA as another retirement account. Use it for medical expenses in retirement. If that's not your plan for the HSA, then what you're thinking of doing makes perfect sense. You would increase your contribution to the Roth 401K. Build up a tax-free pile of money to use in your retirement years.
28:17 Speaker 02 And then you'd have to use that money for medical bills, but it would have grown and be spent tax-free. The HSA is a more specialized kind of environment where you're building up the tax-free money to use tax-free specifically for medical expenses.
28:35 Speaker 04 And then I'm just throwing in this extra fun one from Therese in Colorado. Dear Krista, I heard on a recent CH episode how you're betting on which football team will win that week's game. Here's how I won when I had to make picks for a friend who was unable to one week. Not knowing much about each of the team's win or losses, I chose the winner based on where I'd prefer to live. Guess what? I won that week's picks. No statistics needed. And I met someone the other day who has his dog make his picks for him. Like he'll put like two like teams on like a bone. Like he'll put like a picture and then chooses which one the dog, you know, whichever one the dog chooses wins. I like that.
29:13 Speaker 02 What I get a kick out of are the sports reporters who live in this world all year long. And then they make their predictions based on the spread, which is what you're doing often, although you're often doing it straight up.
29:28 Speaker 04 Oh yeah, it's just straight up what I do.
29:29 Speaker 02 But their winning percentages are usually not that high for people who live in that world all the time. So doing something randomized, well, it may work out for you.
29:42 Speaker 04 Yeah, you never know.
29:43 Speaker 02 So all these betting pools you're in. Illegally gambling.
29:46 Speaker 04 I'm, I'm in one pool. I paid eighty-five dollars for the whole NFL season because I wanted to be more interested in the games. My dad likes watching the NFL and stuff. And so each week you pick winners and losers. There's thirty-something people in it. And then each week you could win, I think it's a hundred and thirty dollars a week or something. So if I win once, just once, although statistics are not good in terms of whether I'm a good winner or not. I almost won the first one.
30:11 Speaker 02 But how do you pick?
30:13 Speaker 04 I let my friend pick for me. He's much more knowledgeable.
30:18 Speaker 02 And by the way.
30:19 Speaker 04 But I pick a couple based on if I know someone, like if someone played for B C and is on that team now, I'll pick that team and.
30:25 Speaker 02 Right. So for those of you watching the YouTube show, you see Krista's wearing a color that could be Eagles fan or could potentially be a Jaguars fan. Is this just randomized and has nothing to do with?
30:41 Speaker 04 Totally random, totally random. Nothing to do with that.
30:46 Speaker 02 You were looking at me like you didn't know the team colors.
30:49 Speaker 04 I don't really.
30:51 Speaker 02 Okay.
30:51 Speaker 04 This is why I want to be more interested and it's worked. I'm super, I love watching the games now. It's fun for me. It's given me the fun enjoyment that I wanted. But I peter out by, you know, the end of the Sunday, the second set of games, if I know there's no way I'm winning that week, I lose interest.
31:06 Speaker 02 You're no longer interested. Well, I've always said that I'll watch even a bad NFL game. Recently, there was a Monday night with two Monday night games instead of the normal one. Both games were so bad that I turned them both off.
31:24 Speaker 04 What?
31:24 Speaker 02 Yeah.
31:25 Speaker 04 Okay.
31:26 Speaker 02 I'm a liar. I'm a liar. I said, I will watch even a bad NFL game. Those two were so bad. Couldn't do it. Anyway, speaking of streaming, as you alluded to earlier, Monday, I'm going to talk some more about streaming TV and some simple choices with the new price increases coming from a number of streaming services. The things you can do to stretch every dollar and fight back against the new higher prices. It doesn't involve stealing content.
32:08 Speaker 01 Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill-up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger: Fresh for Everyone. Restrictions apply. See site or store for details.
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