Pod Insights The Clark Howard Podcast 11.10.25 Holiday Travel: Airbnb & VRBO / Honoring Our Veterans About this episode One decision you may be working on right now is where to stay during holiday or spring travel. Clark has some key advice if you’re considering AirBnB or VRBO. And - tomorrow is Veteran’s Day. Clark shares advice and special warnings for those who have served our country. Airbnb & VRBO - New Rules: Segment 1 Ask Clark: Segment 2 Veterans Day: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Oops, You Broke Something at an Airbnb. What Now? Clark Howard's New Airbnb Rule to You Need To Follow 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Find Cheap Flights in 3 Easy Steps Google Flights Launches New Tool for Finding Cheap Airfare Military and Veterans Guide: Free Resources for Your Finances-Clark.com Job-seeking servicemembers: Avoid scams while you search Want to support veterans? 4 tips for finding good charities Veterans and caregivers: Recognize VA benefits overpayment scams How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best Cash Back Credit Cards With No Annual Fee in 2025 Cash Back Credit Card Calculator - 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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0:28 Speaker 01 As wish lists grow, you know where to go. Head to Ulta Beauty. We have gifts they'll love from brands like Tato One and Rare Beauty by Selena Gomez. Shop beauty faves to give or keep from Shark Beauty, Sol de Janeiro, and more. Not sure what they want? You can't go wrong with Balmain, Clinique, or Redken. And don't forget to put yourself on the list. Book a salon moment or add a little more sparkle to your season. Shop holiday in-store or at Ulta.com. Ulta Beauty.
1:00 Speaker 02 It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. One decision you might be working on right now is where you're going to lay your head on a pillow through the holiday season. Or maybe you're planning your spring break already. I have some advice for you, especially if you're considering Airbnb or VRBO. And later in this episode, tomorrow is Veterans Day. I'm so grateful to those who've served.
1:42 Speaker 02 And I have advice and special warnings for you if you served, if you're a family member or friend, pass warnings on to that veteran. Right now, I want to talk about something that I think is really hard right now as a traveler. And that is, there's been kind of a breakdown in trust with something that has grown so much, and that is Airbnb. And we had, Krista and I had a friendly discussion.
2:23 Speaker 02 On another show recently about problems people were having with Airbnb and VRBO. So I can't believe I'm having to make a suggestion to you. When you stay in an Airbnb, most of the market share is Airbnb, but if you are in a VRBO instead of an Airbnb, the same rule applies. You gotta follow the car rental rule. Yep. When you get to the rental property you're staying in, I want you to shoot video with your phone. Anything's broken, I want you to take an up-close photo of it.
3:08 Speaker 02 It will be time stamped on your phone because the same thing that's happening to people with car rentals is now happening with rentals, which is where something may already be damaged or broken when you get there, but you didn't document it. And when you leave, they then bill you for the damaged item. You can't do anything about when they try to bill you for a missing item because you didn't know it was there, except if you shot the video of the property and they say, well, you know, blah, blah, blah was missing, you took it and you can show that video from when
3:52 Speaker 02 you first arrived and it's not in the video. And I hate this because, you know, when Airbnb started, it was like this wonderful naive kind of thing. We didn't have professional party promoters pretending when they were renting a place and then having an all-night crazy party in an Airbnb to the detriment of that landlord and the neighbors. You know, the whole problem with party houses on Airbnb. I mean, there's a lot of things that go on in the world. And yes, there are times that somebody renting somebody's Airbnb will damage it.
4:37 Speaker 02 So the video is important to protect both sides. But in a New York Times story recently, family was staying in an Airbnb and what did they find in it? Unfortunately, not right when they got there. There was a hidden camera in the bathroom that was watching all the goings on in the bathroom. You'd think, as Airbnb's policies are so clear, supposedly on this, that the people would have gotten a refund and that unit owner would have been kicked out. Neither happened. Neither happened.
5:18 Speaker 02 And so this is a problem that I talked about recently with VRBO is that their real bread is buttered by the landlords, the people who list their properties on there, not you and me as transient guests. And so the system, first of all, almost certainly is using AI when complaints are filed instead of humans, is not doing what even the written policies say when very obvious violations occur. That one I can't do anything about. You know, a creepy unit owner or property owner who hides voyeuristic cameras.
6:03 Speaker 02 But that is clearly, totally against the rules. And by the way, once New York Times did a story on it, Airbnb rushed to refund the money. But this is the kind of thing you need to know. So does that mean you just stay in hotels? Not necessarily. There are times that it's so cost efficient to have the extra space. And so this is one where the more careful you are, and the thing with the cameras that I just talked about, that's an outlier, but you documenting, and as we talked about when we last addressed this, don't book properties.
6:48 Speaker 02 With very tight cancellation policies. You want to book properties that treat you like you want to be treated with a hotel booking, which is never book a non-refundable hotel room. Never book a non-refundable hotel room till the day you're going. If there's a cheaper deal and you're booking a hotel, the day you're arriving, fine, non-refundable, but not in advance. And an Airbnb that says, yeah, you book way ahead, you're stuck. Life happens and things change.
7:29 Speaker 02 Just heard a story from a friend who booked a rental of a car on Priceline with one of their instant deals, where you don't know what car rental company or whatever till after you booked. And then she couldn't get the time off from work. She lost $300. $300 on that non-refundable car rental. Don't like non-refundable, period, because life's always happening. Krista?
8:00 Speaker 03 Okay. John in Arizona says, I recently saw a news story on YouTube from a Philadelphia news station about a couple who are returning home from London Heathrow, who were denied boarding by Delta because they did not have the credit card they purchased the ticket with. I found this surprising since what happens if the card had been lost or stolen after you purchased the ticket? Is this an exclusive Delta policy or do other airlines have this policy? I recently flew back from Munich in mid-September on United and I did not encounter this.
8:32 Speaker 02 Okay. So, thanks for bringing this up. And this is something that happens haphazardly.
8:39 Speaker 02 With airlines, but there's something that's happened at Delta because there've been multiple media reports about people being forced to buy new tickets by Delta when they're returning from somewhere particularly overseas. And it's because of theft rings using stolen credit card numbers for one-way airline tickets. As best I know, whenever this has happened, it's involved a one-way ticket. And again, all the incidents I've read about in recent months have involved Delta. So let's say I buy a ticket for one of my kids, or they buy a ticket for me. Wouldn't
9:22 Speaker 02 that be wonderful? Anyway, I've used my credit card. You're going to be shocked what you're supposed to do. You're supposed to give the person you buy a ticket for, if it's a one-way, you're supposed to send them a copy of the card itself. And know that the possibility exists, and I wouldn't even say probability with Delta, but that seems to be who the possibility has been with lately, that on the day they're flying on a one-way ticket, that you're available for a phone call to verify with Delta that it is actually a valid ticket. It was not a stolen credit card. It's your card, blah, blah, blah, blah, blah.
10:07 Speaker 02 Now, something else you should do, because this is a Delta problem, join, even if you never intend to fly Delta again, join their SkyMiles program. Airlines fraud systems tend to pop up when somebody's flying as a UFO passenger. But if you are enrolled in their frequent flyer program, they know your address, they know your date of birth, they've got all that already in their database from the frequent flyer program, then the odds that they're going to not let you fly in a situation like this goes away. And I've not heard of this on any one-way tickets in the United States on Delta. I've only read about it
10:51 Speaker 02 happening overseas. And there are foreign airlines that have done this for years.
10:57 Speaker 03 Denisea in Kentucky says, "When renting a car from Budget at the Las Vegas airport recently, we declined their insurance as usual. However, after they requested proof of our personal auto insurance, or we would have to purchase theirs. We didn't have the insurance card, but were able to log in online and provide the policy number. I've never had this happen before, as they've always just asked for the name of the insurance company. Is this becoming a standard practice?"
11:21 Speaker 02 So, it's funny, we were just talking about Delta. Now I'll say, "This happened to me with Budget at Midway Field in Chicago. Same thing. They wanted proof of my auto insurance policy, and I had to pull it up, you know, my app on my phone, and show my policy to the person at the counter." So, I don't know, again, if this is a Budget-only thing, that Budget, a lot of the locations are franchises. Don't know if it's something that Budget is doing, or if it's Budget franchises, where it's not just enough to say, "My insurance is with," that they want to see proof of an actual policy.
12:03 Speaker 03 Sheila in Delaware says, "My daughter is studying abroad for the spring semester in Sydney, Australia. We would like to visit her, but it seems quite expensive for a week-long trip. At this point, we have her brother working on his masters, so unfortunately, we can't say money is no object. We're also looking to retire in about three years, so we're diligent on that as well. So, is there any way to go to Australia from the East Coast for a reasonable amount? Thanks for all you do. I appreciate all your great advice. Also, thank you for being so kind."
12:34 Speaker 02 Well, thank you for that. Okay, so, I went straight to my tool book, which is what?
12:41 Speaker 03 Google Flights.
12:42 Speaker 02 Looking at fares from the West Coast.
12:44 Speaker 03 Oh, yeah.
12:45 Speaker 02 As you said, East Coast, so immediately I go West Coast. And I just pulled up on Google Flights, United is showing from LA non-stop to Sydney, 793 round trip. That's not even the cheapest fare. It says, "Goes down to 744 from the West Coast to Australia." It's so cheap now, booked in advance for you to buy a ticket, East Coast to West Coast. And then take a flight overseas. East Coast fares to across the Pacific are so crazy high that when Lane and I went to Australia
13:30 Speaker 02 early this year, the fare was, get this, it was three times the cost from the East Coast what it was going from Los Angeles. And so it was perfect for us. We actually have daughter who lives in Los Angeles. We visited her for a day and then we went on to Australia at one third the cost. So at, you know, 700 and something round trip, I think you're fine. And that's not just a fluke. Like I'm looking random travel period in February. United 793, I don't know who the 744 is. Uh, Qantas 856, American 857.
14:15 Speaker 02 So the fares, when you consider, you're talking about a 16 hour flight. Those are pretty good round trip fares.
14:23 Speaker 03 And if your dates are flexible, how much did Sally pay to go to Brisbane? Round trip?
14:28 Speaker 02 Seven something round trip. So same kind of thing.
14:31 Speaker 03 Yeah, and that was from Atlanta. That was a.
14:34 Speaker 02 That was from Atlanta? That was from the East Coast?
14:36 Speaker 03 Yeah, so those deals do pop up.
14:38 Speaker 02 So that is an exception to my three times price rule. Sally, who is a brilliant woman, found a fare that was straight through to Australia. And I don't know, did you say Sydney? Cause I was so busy jumping on.
14:55 Speaker 03 For Sally, that was Brisbane.
14:56 Speaker 02 No, no, no.
14:57 Speaker 03 Oh, this was Sydney, yes.
14:58 Speaker 02 This was Sydney. So Brisbane normally is cheaper if you're gonna sightsee multiple places. Melbourne tends to be more expensive than both of them. I don't know why often, but it can vary by trip. But man, I so wanna live in Australia. I just so wanna live there. Uh, but it takes two and my wife is like, y'all go visit, don't wanna live there.
15:25 Speaker 03 It's tough when your kids live on the other side of the world.
15:27 Speaker 02 Yeah, that's what airplanes are for. 793 round trip, they come over, they have fun, then they come back. No?
15:36 Speaker 03 I don't know about that one. That would be a tough one for me, too.
15:39 Speaker 02 Really?
15:40 Speaker 03 Yeah, especially if one day I have grandchildren. Forget about it. Maybe for a year or two.
15:45 Speaker 02 Okay, how much guilt are you trying to pile up?
15:48 Speaker 03 I'm not at all. I'm not at all, but you know.
15:51 Speaker 02 We were just at our three-year-old grandkid's birthday.
15:54 Speaker 03 Oh, see? Precious moments like that.
15:58 Speaker 02 It was. It was fun. Yeah, so, okay.
16:01 Speaker 03 And his name is Clark.
16:03 Speaker 02 No, his name is Max.
16:04 Speaker 03 Oh, Max. That was Max's birthday?
16:06 Speaker 02 Max's birthday. Clark is six.
16:08 Speaker 03 Clark is six. My gosh. Can't believe that.
16:11 Speaker 02 You just made yourself sound old. I can't believe he's already three years old.
16:15 Speaker 03 I say it all the time. I know.
16:18 Speaker 02 Coming up ahead, I want to talk about tomorrow, an important day to me, Veterans Day. And there's something I want you to know. If you are a veteran, or you have family members or friends who are.
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17:00 Speaker 01 As wish lists grow, you know where to go. Head to Ulta Beauty. We have gifts they'll love from brands like Tato One and Rare Beauty by Selena Gomez. Shop beauty faves to give or keep from Shark Beauty, Sol de Janeiro, and more. Not sure what they want? You can't go wrong with Balmain, Clinique, or Redken. And don't forget to put yourself on the list. Book a salon moment or add a little more sparkle to your season. Shop holiday in-store or at Ulta.com. Ulta Beauty.
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18:28 Speaker 02 You know, you think about today. So few Americans, as they grow up, even begin to think about serving in the military. And I remember every time, over the years, I've talked about why I believe there should be mandatory national service for people at 18 years old. That people should be required to serve in the US military for two years, or serve in some other civil kind of capacity for two years to serve the nation. Have I gotten blowback like you cannot imagine every time I've said that? But I feel like one of the things we're missing right now from America
19:10 Speaker 02 is this common purpose, this common thing about what we're all about, and learning about other people, which anybody who's ever served in the military knows. And I have had the privilege Of having served and I'm retired now, but in the state guard for 21 years, two months, and how much I learned from my fellow soldiers, you know, about their lives, about people from completely different walks of life. We really don't get exposed like that anymore and we don't sacrifice widespread for our country. So I've said it there. I've said it the day before Veterans Day.
19:52 Speaker 02 I want to tell you, if you are a veteran or you know, someone who is in your family or friends, that we have just updated as we do every fall, our Veterans Guide, our Military Guide for active duty personnel and others. But I want to say something to you. If you are done with your time in the military, you have a scam target on you like you cannot imagine. When you are going from the kind of closed environment of military culture and you're going out looking for a job as a civilian. And if you entered the military out of high school,
20:36 Speaker 02 out of some trade school or out of college, and you've been in the military any number of years, you're disconnected so much from how things work in the civilian world. And there are so many scams specifically targeting people ending their enlistment period or ending their service in the military, retiring from it when you're looking for a job. So be really, really careful with training opportunities. A lot of scammy kind of schools will try to get you to sign up and sign over your benefits for a program that's not very good.
21:19 Speaker 02 You really need to take your time when you're looking at any training opportunity to know it's on the up and up. And my default is for you to look at community colleges and state-supported technical colleges is where you first look for that bridge training for the field that you think you want to go into as a civilian. In addition, when you're looking for jobs,
21:52 Speaker 02 Know that something that, you know, in the military, things are just straight up. This is how it works. This is what you do. This is the procedure. It isn't like that at all when you're looking for a job as a civilian. There are so many scams. A lot of them are simple. They're just trying to get your personal information to engage in some form of identity theft, steal money from your checking account, get ahold of your credit card numbers, or being able, by obtaining falsely your social security number, pretending to be an employer, engaging in identity theft. So not everybody out there is a scamster. Not everything out there is crooked.
22:35 Speaker 02 But you've got to not take things at face value when you're looking for a job, having come out of that controlled environment you were in in the military. And again, plain and simple. Thank you so much for your service to this great country. And Krista?
22:57 Speaker 03 And I think our guide is very helpful at Clark.com. We try to provide information for veterans on how to save, on benefits available.
23:05 Speaker 02 And current service members. It's really, really important to me. It was important to me before I served because I come from a family of military tradition. And person after person served in the military. And I'm from an immigrant family. But as soon as my family got here, served in World War I, Korea, Vietnam, you know, Desert Storm, Desert Shield, all that. So, I mean, this is something that my family, we do. And so it's something I'm aware of. But so many families, there is nobody in the family line in recent generations that has served or will serve in the military.
23:50 Speaker 03 It's all voluntary now.
23:51 Speaker 02 Right.
23:52 Speaker 03 Okay, well, PT in California served. PT wrote in with this. I recently separated from the military and made a VA claim. I was surprised to find my My claim number was identical to my social security number. Apparently, this is common practice for new claims in their system. In the VA mailings, it's right there on the paper. And when making a call, the only way to get assistance is by sharing your social security number over the phone. Isn't there a better way? How can we get the VA to change this practice that puts my personal information in jeopardy?
24:24 Speaker 02 So, what a great question. I mean, remember when we were part of that whole thing years and years ago, trying to get Congress to change medical record numbers to unique numbers and Medicare to a unique medical record number? And it just took forever. They did it, Congress did it first for private health plans. Because private health plans, your number for your insurance was your social security number. How dumb.
24:57 Speaker 03 Driver's licenses used to all have.
24:58 Speaker 02 All had social security numbers on them. Yeah. And so, direct bridge to identity theft. So then they did it first for private, then they did it for Medicare. I didn't know till you said right now that the VA is still using social security numbers. And that's bonkers. And I wonder why veterans groups have not lobbied to get that change in place. If you are a member of any of the veterans associations, I would contact them, you're a member, and say, hey, what can we do to get this changed? Because that's just wrong.
25:39 Speaker 02 Why would you hand over the ability to steal somebody's identity on a silver platter? And if you haven't done so already, freeze your credit files, set up credit freeze, because that protects you from a lot of what the criminals are going to try to do with that social security number of yours.
26:00 Speaker 03 Jim in Tennessee says, "Is this the future of banking? Unlike yourself, who hasn't seen the inside of a bank since Jesse James." Just kidding. "I visit our credit union a couple of times a month with business that requires in-person interaction with a teller. The credit union, which has over 20 locations and is expanding, has removed their in-house tellers, replacing them with video tellers. There are three video screens, one that's usually out of order. And all banking now requires you to talk to max headroom at some office in Cyberland." That's a throwback reference. I have found this-
26:38 Speaker 02 I never saw Max Headroom.
26:39 Speaker 03 You didn't? Well, you've probably seen him.
26:41 Speaker 02 I know what that reference means.
26:42 Speaker 03 "I have found this usually takes about twice as long as when they had in-person tellers. There are generally four or more employees holding down the front counter, but for most business, you have to talk to Max before they can assist. The credit union has installed the video tellers at drive-ups about three years before the inside video tellers. Should you get in the wrong line just to use the ATM, you could be waiting for 10 minutes or more for the person in the car in front of you to talk to the teller, the virtual teller, while you sit blocked in by other cars in line. I would switch, but our last community bank just got bought out, so all that's left are regional and the big, bad, monster mega-banks that still have humans behind a fancy, overpriced counter.
27:23 Speaker 03 Is this the future, or should I join Zuckerberg's metaverse and never leave my living room again?"
27:29 Speaker 02 Yeah, join Zuckerberg. Okay, so the credit union my wife uses, which is a different one than I use, although she's also a member of Navy Federal like I am. The one that she principally uses went to this system five years ago during COVID, and they use this, as you referred to it, "Max Headroom" kind of thing, where the tellers are working, in her credit union's case, from their homes. They don't commute to work anymore. And right from their home, they're able to see you deposit, let's say you're depositing a check. Or you want to cash a check or whatever. They see you put it in the machine. They see
28:11 Speaker 02 the image of it and the money spits out. So.
28:15 Speaker 03 That's a human. And then this sounds like this credit union is using an AI assistant, like fake human.
28:22 Speaker 02 Well, I can't, I couldn't tell for sure if this was.
28:26 Speaker 03 I'm assuming only because of the whole Max Headroom thing that it takes so long, but I could be wrong.
28:31 Speaker 02 It could be either. I mean, but the reason that the credit union explained that they kept it after COVID was that it meant that you can have a problem where one branch, the tellers are twiddling their thumbs with nothing to do. And the next one, they've got a long line that this gives them, I'm just telling what, what the credit union said. It gives them the ability to even out the workflow so that nobody waits as long. But it is not personal, looking at somebody on a screen. There's nothing like it. When you, you think about, our staff is scattered around America. Actually, a couple overseas too, right?
29:15 Speaker 03 No.
29:16 Speaker 02 No? Everybody's in the US now? Okay. Anyway, so often, we just see each other on computer screens until we get together for a company meeting or one of our retreats that we do somewhere in the world. And we call them staff trip. And it's such a great thing when they're all together and they really connect to each other. And so that's the problem. You lose connection when you do this kind of impersonal thing. But it clearly is where so many things are going.
29:51 Speaker 03 It sounds to me though, like Jim's credit union, they just don't have a great system. And so I do believe these things will improve over time. I like Lanes maybe does have a better system. So hopefully, I do think it's the future. I think things are going this way. You know, people want to work virtually or whatever. But I do like the, I like the idea of having the person at least on the other screen.
30:11 Speaker 02 But when the AI is, if it is AI, and when the AI is really stupid, all it does is waste your time as a customer.
30:19 Speaker 03 Nick in Iowa says, "Hey Clark, I really appreciate all the information on your websites regarding getting the best cash back credit cards. I've had the Wells Fargo Active Cash Card now for a few years. It's been a good with the ability to get your cash back. It's been a good card for all of my general spending. Wells Fargo has just taken away the ability to get your cash back as a check, and it seems they want you to either use it for travel or redeem it as a gift card. Is this a new trend in cash back credit cards that they're not allowing you to redeem your points or rewards for a check? Maybe that's something you could add to your credit card reviews for those of us who are looking to get money sent back to us, rather than having them redeemed for travel or gift cards."
30:55 Speaker 02 Thank you for your question, because Wells is following Citi. Citi did this where Citi has Double Cash, and Wells is called Active Cash. So, think about that word, cash, but they don't actually offer you a way to get cash. You have to go through these processes. You jump through, and they don't make it easy at all. And it was the reason I was picking on Citi Double Cash when they went to this change a couple of years ago. And, once a month, Citi tries to convince me to take all these points from the Double Cash and
31:39 Speaker 02 convert them into gift cards. And occasionally, I'll bite. What's the one that I do with the Citi Double Cash? When they offer bonus Apple money, because everybody in my family but me is Apple everything. MacBooks, iPads, iPhones, and so I'm able to get 10% off by converting the Double Cash to the Apple gift cards when they're sold at a discount. And that's how I would think I would approach the Wells Fargo thing, is that you wait to do a conversion when there's a deal that's like, "Hey, that's worth doing," and you
32:23 Speaker 02 grab the money that way. But, the whole idea of what Citi did, and what now apparently Wells has done, is that the whole plan was, this was the simple way, that you just use the card, no annual fee, and you get your 2% cash back. But now not so simple. But that's what banks do. They hire MBAs and the MBAs come up with crazy, crazy things. Hey, we'll squeeze out another one-eighth of a percent of profit if we do this instead of that and make life more complicated for the customer. The curse of the MBA said by someone who has one.
33:07 Speaker 02 Anyway, thank you so much for joining us today and we'll be at your service again on Wednesday. I want you to know that we are available to serve you with one-on-one free advice. If you have a question, a problem, you've got something you haven't figured out and you want some direct one-on-one guidance. It's a free service we've offered now for, gosh, 30, that's a long time, almost 33 years, almost a third of a century that we've offered one-on-one free advice and guidance. You can see how to do that by going to Clark.com slash C A C.
33:50 Speaker 02 It's all part of what we do to empower you so you can save more, spend less, and avoid getting ripped off. Have a great afternoon or evening.
34:05 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.
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