Pod Insights The Clark Howard Podcast 11.29.24 BEST OF: Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel About this episode Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community. Clark.com 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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0:57 Speaker 02 This is a best of edition of the Clark Howard Podcast. I hope you enjoy it. We are here to give you the best information that our head and our heart says is available for you and your wallet. Have a great weekend.
1:20 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 to make better financial decisions in your life. And it's time for me to have some humble pie because it's our weekly Clark Stink segment. Also today, I have my number one rule coming up later for travel and protecting your money. But right now, let's talk about me messing up, fattening your money, or protecting it in today's Clark Stinks.
1:58 Speaker 03 I should have never encouraged you to speak.
1:59 Speaker 04 You must think I'm pretty stupid.
2:01 Speaker 05 You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong. Maybe you're right.
2:06 Speaker 06 Let's talk about me. You're like, don't you love that line where, what do they say? Enough about me. Let's talk about you. What do you think of me, right?
2:19 Speaker 06 I love it. Okay, sorry. Clark, you stink as much as the Virginia cigarettes you sold in another state. I can't believe that you, a college student, did not know that cigarette smuggling is a crime. You were also enabling those with a very unhealthy addiction. I still love your show despite your criminal history, Tom.
2:37 Speaker 02 Tom, thank you. I think it's really important that I exposed my past warts and all. And I was, at that time, I was a two-pack-a-day smoker myself. So it started kind of organically where I'd go across state lines, not knowing that was illegal, and buy cigarettes for my own consumption at a much lower price. And then I started buying for more and more people, and then it became a side business. If I'd known then what I know now, I never would have done it.
3:08 Speaker 06 Why would you recommend a cell service for the man whose daughter is in the Navy, not knowing where she would use it? Why not use Facebook or other free social media to stay in touch with select groups of people and with FaceTime? Before trying the service you recommended, John?
3:23 Speaker 02 John, okay, so when somebody's at sea, they end up with some time on land. And she was going to be in a variety of ports in the Navy, likely. And so by recommending Google Fi, it meant that when she was on land, she'd have cell service just like in the United States. And of course, on ship, she'd be able to use WhatsApp, potentially FaceTime. It depends on the security nature of the ship. But onshore, obviously, we'd be able to use those various things, but would need an internet connection or a cellular connection to do so.
4:03 Speaker 02 And Google Fi is just a superior choice for people who travel randomly around the world.
4:10 Speaker 06 Speaking of that, but that leads right into this next stinks. Clark, I won't say stink, but there was a Distinct aroma of ill-informed in your response to the gentleman who called about the best cellphone plant for his daughter who will be serving overseas in the Navy. You recommended Google Fi, which is one option, but you failed to share that Google Fi is set up for people calling from the United States. If Google finds you're primarily using their service from overseas, meaning for longer than 90 days, they will cut off your international data. There is an exception for active-duty military and State Department employees, of which I am the latter, but you must go online every 90 days to re-verify your employment with the US government. I can't speak to how easy this may be because
4:51 Speaker 06 I've chosen to forego that hassle and just stick with my T-Mobile One plan and local SIMs when I'm posted abroad. I do wish there was a cheaper and easier option. Thank you for all you and Krista do. Listening to your show is one of my favorite parts of the weekend, Teresa.
5:05 Speaker 02 Teresa, thank you. I did not know the tip for people that are on military deployment that you just have to notify Google Fi every 90 days. Didn't even know that procedure existed. And thank you very much for pointing that out and making my answer much more accurate.
5:24 Speaker 06 And thank you for your service to the State Department.
5:26 Speaker 02 Of course.
5:27 Speaker 06 As a loyal member for over a decade, I hope you consider giving up soda, or at least switching to regular soda with real sugar versus diet sodas with fake sugars. All us Clarkies wish you the best and want you to live a long and healthy life, so please clean up your diet of fast food and soda. What kind of an example are you to your young listeners? I'm a current owner of a first-generation Scion XB with over 225,000 miles that I bought because of you, and it's still running strong, Johnny. And lots of people wrote in about your diet.
5:58 Speaker 02 And you're thrilled when they do, because if you want to know something, my eating has caused more stress and angst for you, Krista.
6:09 Speaker 02 I mean,
6:10 Speaker 06 Your family had an intervention with you at one point.
6:12 Speaker 02 They did, and I do, I should let you know, I eat much better than I did before, especially after my heart surgery. I'm on a restricted diet. I'm eating a lot of fruits and vegetables. I'm eating significantly better. I have an addiction problem to Pepsi Zero and Coke Zero. It's true. It's something I really enjoy. One step at a time for me, please. I'm doing so much to improve how I eat. And I'll tell you, my wife is the most surprised person there is at how much I've modified my diet since my heart operation in December.
6:57 Speaker 02 It put a pretty good scare into me, and so it did make a difference. And Johnny, I miss my Scion XB so much. I bought it used in 2005. And every time I see one, I go over to it like I'm admiring, I don't know, some beauty or something, even if it's got dents all over it. I thought that was the most brilliantly designed car ever. And I miss it so much, and I paid $10,500 for it new. Had it for nine years.
7:34 Speaker 06 I thought you bought that used because didn't it have a cigarette smell?
7:37 Speaker 02 I bought it used. $10,500 used. It was nearly new. It was, somebody bought it and hated it, and it ended up on a used car lot. That thing is, is just fantastic. And boy, do I miss it. But you close the doors and it really sounds like, you know how you take a soft drink can and you can crumple them? And it's like that crinkle sound? That's what closing the door on the Scion XB was like.
8:03 Speaker 06 All right, we had a couple about this one. Clark defined the S and P 500 as the top 500 publicly traded companies in the U.S. Not exactly correct. To quibble, quoting Investopedia, the S and P 500 is the S and P 500 index or Standard and Poor's 500 index. Market capitalization weighted index of 500 leading publicly traded companies in the U.S. The index actually has 503 components because three of them have two share classes listed. It is not an exact list of the top 500 U.S. companies by market cap because there are other criteria that the index includes. It's a distinction without much difference. Keep up the almost perfect good work, Kevin.
8:43 Speaker 02 Thank you, Kevin. It's one of those things. It is a horseshoes kind of thing because I'm trying to explain a concept verbally and it's the easiest way to explain an S and P 500 fund. I worry that if I get into the kind of caveats that make it an exact proper answer, that I kind of lose people as they're walking or driving or running or whatever activity they're doing, working out while they're listening. So that's why you'll hear me sometimes speak in generalities that are not 100% correct, but communicate the point. You're right.
9:22 Speaker 02 If I was in a finance class, I would be marked wrong for the answer I give or the way I explain it. But it explains the gist, that the whole idea of an S and P 500 fund is that it is a proxy for the 500 largest publicly traded companies in the country. And then we could add a little asterisk to it.
9:44 Speaker 06 Clark, you smell like a payday to would be thieves. On your last episode, you mentioned how you have a safe that requires three strong men to carry off. You've given a thief valuable info on how to abscond with your valuables. In the future, you could be more ambiguous on what security you may or may not have while still giving advice to the listener, Cody.
10:03 Speaker 02 Thank you, Cody. You actually echoed something my wife said. Used much more interesting words than you did for why in the world would I? Give such a complete description of where we put our valuables.
10:19 Speaker 06 Clark, after your explanation about safety deposit boxes, I realize why you smell like a no facilities trucker outhouse along the interstate in July. I waited and begged for you to talk about credit union facilities, but your stench blocked your mouth from giving us info. Credit unions are owned by the members and many have safety deposit boxes. Please elaborate on this as an option, rather than have everyone trying to put a 1,000 pound safe in their house. P.S. Just kidding on the stench, Mike. And a lot of people said it's not safety deposit, it's safe deposit. I got a lot of people writing about that, just so you know.
10:52 Speaker 02 I appreciate that. So, safe deposit boxes, gosh, there was another story, since I talked about that, about the problems with safe deposit boxes. And guilty as charged, I didn't think about the credit union angle, where they would not just wash their hands to you and say, yeah, who are you? We don't know you. That is a viable alternative. And it is a real problem that the banks have broken their trust with the American people and treat us as adversaries. And that's the beauty of a credit union, is it's owned by its members.
11:28 Speaker 06 Well, I agree with your sentiment that options trading is not a fit for 99% of investors who have little hope for managing delta, gamma, theta, or Vega exposure. It is extremely misleading to imply options are only used to obtain leverage and increase risk. The simplest options strategies, covered calls and cash secured puts, have less risk in stock ownership and can be used to generate income with slightly less risk than just buying stock. Thank you for all the information you provide for us, Jonathan.
11:56 Speaker 02 Jonathan, thank you. And there are certain situations with people who, this gets too esoteric, but people that are exercising stock grants that employers offer, that then the stock's restricted for a period of time, who will use options to protect against downside risk and things like that. But it is a more sophisticated kind of tool. To get involved in options and what I'm worried about is people who are being pitched these programs that are able to use options to create these shockingly large returns on their money and pitched as things with like no risk involved, you know, if it doesn't work
12:41 Speaker 02 out, you just let the option expire, blah, blah, blah. They are not something for someone to just buy a software package or some internet thing and suddenly feel like they can make a ZIL trading in options. It's too hot to handle. And I appreciate your post that I painted it as only high risk. It is high risk for people who think it's a get rich quick scheme.
13:08 Speaker 06 Clark is the man, but on this issue, he's also the man who smells a little bit. Clark talks about almost every week about how EVs are great as a second vehicle for a family to run errands near the house, but not once have I heard him mention electric bikes. E-bikes are a small fraction of the cost of cars, can be charged inside, can store a lot of groceries with just a few accessories added and are just so much fun. We are a two kid, one car and one e-bike family, living in the Virginia suburbs of DC and love it. I commute to DC for work on the e-bike and use it to do a lot of quick errands around town. Clark, please advocate for getting off of four wheels and on two. John.
13:45 Speaker 02 John, thank you. We have two electric bikes and I love riding my electric bike. And the electric bike market is booming in the United States. The price points coming down on electric bikes, but you got to have a certain commute corridor to live in where it's safe to ride electric bikes. In a lot of places, they're not bike friendly. It's not safe for a manual bike or an electric bike. So as long as it fits your commute pattern and it's a safe journey for you. Absolutely. It is incredibly affordable transportation.
14:24 Speaker 06 They have those great paths along the highways from Virginia into DC. Just amazing what they've done there. Okay, it's not you, but those stinking five-year CDs that you think smell so sweet. The truth is, you must come up with the taxes on that five-year CD every year before you can even touch the money in a five-year CD. That's what happened to me. I had to come up with the taxes I owed on that CD before it was due, which was a lot of money. So now I only do one-year CDs. Please explain why this is done this way. Other than that, you're just stinking cute, Dennis.
14:56 Speaker 02 Okay, Dennis, I'm gonna have to do some research because I have not experienced having a current tax bill on longer-term CDs. I don't know the particulars of how you end up being taxed. I know like the Series I savings bonds, you can choose to be taxed every year on imputed income. But Krista, what are you saying? The interest you earn on long-term CDs, or those with terms longer than one year, are taxed in the year it's accrued. Even if you don't withdraw the interest from your CD account, I have never, maybe I'm a tax dodger.
15:40 Speaker 02 I will correct that on the podcast. I'll do more reading. I don't want to just go with.
15:45 Speaker 06 Yeah, I've just read another one that said the same thing, but I'll keep checking.
15:49 Speaker 02 Okay, so I may stand corrected. It also means that I'm a tax cheat. Because I haven't been doing that and I'm sure that the feds will catch up on me. And I've not gotten a 1099 from the credit union I have some long-term CDs with. Okay, I'll do some digging on that. I appreciate it very much, just as everything else in all the variety of topics you hear every week on our Clark Stink segment. Because I will make mistakes. You know, I'm a human and I can't remember everything and I'll,
16:32 Speaker 02 what's that expression politicians like to use? I'll misremember something. And so, thank you so much for setting me straight and we'll follow up if in fact I was wrong about the five-year CDs and when you're taxed on them. So remember, if there's something you hear on our podcast, you feel like, huh? What's wrong with Clark? Doesn't he know better than that? Go to Clark.com/ClarkStinks and post away. Coming up straight ahead, another cruise line bites the dust. Another airline bites the dust, both in the same week. And people's money at risk.
17:13 Speaker 02 I want to tell you what you need to know with the instability that continues in the travel industry.
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19:08 Speaker 02 I briefly mentioned last week that a discount airline that flies in North America, US and Canada only, small went shut down and said, huh. So paid with a credit card, go to them. And was silent on what happens if you paid with some form, a debit card or anything like that. And they were silent because you just lose your money. You just become a claimant where there's no assets. And the travel industry has a lot of instability to it through history. Greatest instability has been tour operators. And a lot of times in the tour operator business,
19:50 Speaker 02 they face what's called big holdback from the credit card companies who want to hold on to the money that consumers pay until the tour is completed. So the credit card company's not on the hook when the tour operator ceases to exist. Now we have a cruise line that has canceled all its cruises, shut down. Hopefully they'll find a buyer and they'll be able to come back to life. The American Queen Cruise Line has been around a long time. And there's been a number of small cruise operators that have shut down, a number that have gone poof, along with people's money.
20:32 Speaker 02 The big news stories last year were about the multi-year cruise that people paid a fortune to go on that never left port. And people's money did. So know that the travel industry, so much of it lives on running its current operations on money that people have paid for future travel. And you have limited rights with a credit card. That covers you as a general rule, pretty solid for 60 days. After that, it becomes more of a question mark. Because the credit card regulations are somewhat fuzzy past 60 days.
21:16 Speaker 02 Because you have rights when someone fails to deliver goods or services. Obviously, when a cruise line, a tour company, an airline, something like that goes bust, they fail to deliver the service, right? So depending on the credit card and which of the competing federal regulations they look at, they're like, yep, we're with you. Here's your money. Or nope, it's been too long. We're not with you. So know that when you buy a tour or a cruise, not necessarily an airline ticket. When you buy a cruise or a tour, you never, ever, ever with any travel want to pay with
21:57 Speaker 02 a debit card or an electronic funds transfer or a check or anything like that. Because a tour or a cruise, you're buying way in advance usually. They live off your money to run currently. They run out of money. Your money took a one-way trip. You never took it. And there's something else, though. Even if you pay with a credit card for a cruise or a tour far in the future, you need to use a credit card that includes with it, as many do now, supplier default. It's known as trip cancellation, trip interruption insurance.
22:38 Speaker 02 They will also have a paragraph covering supplier default. So even if the federal rules don't cover your money, the protection that comes with that individual card protects you. Many cards do offer these because travel bookings are really profitable for credit card companies. They offer this as a way to get you to use that card. It's a lure because then you've got peace of mind with the trip insurance. Just make sure it covers supplier default. Now let's go to airline tickets. Airline failures in recent years have been very rare. It doesn't mean there won't be ones in the future. And some of the discounters may not make it.
23:22 Speaker 02 Paying with a debit card is rolling the dice. Don't do it. Pay with a credit card. As airlines have failed at various times over the years, it's been a clear demarcation. People who pay with a credit card are protected. People who pay with a debit card are not. Remember that. Debit cards are called by me, pieces of trash, fake visas and fake mastercards for a reason. They are an illusion. They are like seeing a mirage in the desert. They have the Visa or MasterCard logo to tease you, but they do not protect you like
24:07 Speaker 02 a Visa or MasterCard credit card. They are fool's gold when it comes to protecting you when you don't receive goods or services you've paid for.
24:19 Speaker 06 And is there the 60 day rule, no matter what you do?
24:22 Speaker 02 That's a great question. Historically, the credit card companies have covered airline tickets even when it's been past 60 days. And again, that's subject to interpretation by the banks, but they've always covered, I'm not aware of any exception, they've always covered airline tickets paid with a credit card. And I think it's because that business is so valuable to them.
24:49 Speaker 06 All right, I have some travel questions for you, Clark. Daniel in Iowa says, you're my go-to travel guru. My girlfriend and I haven't been to Europe in a few years and are thinking about going in September of 25. I'm debating between doing the trip DIY or going on a tour, specifically a Rick Steves tour. I'm debating between Italy, small villages and/or Tuscany, or Berlin, Prague and Vienna. Do you have a preference of one tour over another? Also, when should I look for flights since I'm looking at 18 months out? I plan to look at a flight from Des Moines to New York City area airport the day before, then a direct flight from Europe. Thank you.
25:25 Speaker 02 Okay, I love that you planned so far ahead, Daniel. As far as the tickets for international, the cycles have not truly, the patterns have not truly established a logical buying cycle for international like there used to be. And I'm finding that tickets can get to a really cheap point unusually early these days on international. There's a lot of new international service airlines are offering. You might find a sweet spot much earlier than I would have recommended in the past for
26:01 Speaker 02 international as much as half a year ahead. So like in, let's say, March of 25 would be when you'd really want to start focusing on what is available from New York or even from your hometown for airfares. I think about our staff trips we take every year. We bought the last two years much earlier than we historically have, and the fares never went as low again after we bought. One of them was like seven months out, another
26:42 Speaker 02 was five months out, much earlier than when we've seen low price points in the past. But there are lots of announcements airlines do of new routes. When you see a new route announced, that's when you want to look closely when we get into 25 and see if there's an introductory special because the best deals international almost always post with new route announcements from an airline because it takes a while for people in a market to know that that new route exists on an airline. On the tour question, I'm the wrong one to ask. I'm not a tour person. Don't do it for me. So you have to decide how anxiety producing
27:27 Speaker 02 it would be for you just to plan your own thing and do your own thing. It's pretty easy in Europe and with Google Translate, language is not the burden it used to be as you travel. Where I'd go would be based on, since you named so many destinations, wherever the best deal is. That's automatically my answer because where I go is always determined by where the best deal is.
27:55 Speaker 06 Amy in Connecticut says, I just wanted to say thanks. I'm a longtime listener of Clarky, and I've tortured my own children with your podcasts and the car on trips.
28:02 Speaker 02 How mean of you.
28:03 Speaker 06 On your recommendation, I always video the exterior, interior, and gas gauge of a rental car at pickup and drop off. I don't delete the video mostly because I forget about it, but this time it came in handy. I rented a car November 8th of 23 from a local dealer, well, it's a national dealer, and dropped it off at LaGuardia Airport the next day to save on long-term parking. There were scratches on the vehicle that we documented in the video and with the worker and the paperwork at the time of pickup, in the dark, I might add. In January of 24, almost three months later, I got a letter-
28:36 Speaker 02 That's a key thing. You don't hear from them for three months, and then what happens?
28:41 Speaker 06 I got a letter billing me $1,800 for damages. They had no record of the damage from the paperwork we filled out at the local dealership, and I called-
28:50 Speaker 02 You can say there's only three major rental car chains.
28:53 Speaker 06 I called your Team Consumer Action Center and was helped by your wonderful staff. I called the company and emailed them the video, and they closed the case. Thanks for all your knowledge and advice. I've shared this experience with my family and friends as a PSA.
29:06 Speaker 02 So, I wanted you to name Avis because we got Avis, we got Hertz, and we have Enterprise. They own all the brands of car rentals in the United States, except for the small-market share the European renter Sixt has. And so, they have become brutal on this, as I talked about recently on the podcast. Trust me on this. Shoot the video, have it, and know that you might be hit with a letter months later demanding payment, and your get out of jail free card is your video, and you're going to have something that 99.9% of car renters aren't going to have,
29:47 Speaker 02 and they're fighting from behind every time there's a claim like this. Good job.
29:52 Speaker 06 Hertz in Tennessee says, my wife and I have a lot of upcoming domestic travel and will be renting cars. I've been looking at car rental coverage through credit cards. I read your article about credit card coverage for rentals and have a question. I've read many people saying using premium car rental insurance from American Express is great, where you pay a flat fee for a car rental. But I don't see you mentioning that as primary coverage for car rental insurance or coverage. What are your thoughts on using American Express Premium Car Rental Insurance?
30:21 Speaker 02 If you're tempted to buy the coverage from a car rental agency, the American Express optional additional coverage is brilliant. It is very affordably priced. It comes in two levels. It's good, obviously, in the United States and most countries in the world. There are a handful that you can't use it. It is something that provides meaningful peace of mind in return for you paying a premium that I think is per rental, not per day, per rental, 20, 25 bucks, somewhere in there. If you sign into your American Express member portal,
31:03 Speaker 02 you'll be able to see the terms and conditions of their optional rental coverage. You must pay for your entire rental with the Amex card. They trigger the premium that they will charge you for that rental and each rental you have. So if it's like a one day rental, it's not much of a deal. If it's one week rental, it's a screaming deal. And in between, it gets to be a good deal at about three days that it's saving you a ton versus the, well, really two days it saves you a ton versus the car rental agency. So it is a very viable, effective option for people who are like on the fence,
31:45 Speaker 02 should I pay the rental car company their extortionate prices for rental car semi-coverage? Or should I pay American Express and know I've got them hopefully standing behind me when the chips are down? Why do I say hem and haw? Because I hear every scenario where somebody feels like they're covered, feels like they're protected, feels like they're insured, and then they have trouble asserting their rights to get that money taken care of. So you always have to be in the travel world. You have to document and you have to be assertive to protect yourself.
32:25 Speaker 02 And thank you so much for joining us today. I wanted to add as an annex on the travel thing, domestic airfares are dropping all over the place. And I mentioned the new routes for international, the same thing is happening right now with domestic. There's a lot of new routes popping up and unusual routes all over the country, avoiding the American, United and Delta mega hubs. And a lot of these new routes have crazy cheap airfares being offered as introductory fares. Keep your eyes and ears open for these bargains.
33:05 Speaker 02 And who knows where in America you'll end up on some kind of great bargain airfare. Have a great day. Remember what we're devoted to. You learning ways to save more, spend less and avoid getting ripped off. Have a wonderful weekend.
33:30 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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