Pod Insights The Clark Howard Podcast 12.12.24 Subscription Wrangling / Estate Planning in 3 Steps About this episode Uber’s current trouble with the FTC is a consumer lesson for us all, and a great reminder to take action now to protect your wallet. Also today, Warren Buffet recently gave some important advice about estate planning. Clark shares 3 important steps to take. Your heirs will thank you. Subscription Maintenance: Segment 1 Ask Clark: Segment 2 Estate Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The FTC is investigating Uber over its subscription service HumbleDollar: Home How Long Do You Need To Keep Tax Documents? 17 of the Best High-Yield Online Savings Accounts in December 2024 Dollar Cost Averaging Makes You a Fortune Over Time How To Open a Roth IRA Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About Is a Safe Deposit Box Really Safe? Why You Need To Talk to Your Family About Your Estate Before You Die Wills & Funerals Archives - Clark Howard Follow Clark Howard's #1 Rule To Travel Cheap The Best International Phone Plans Clark's Christmas Kids 2024 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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0:45 Speaker 01 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.
0:57 Speaker 02 Price and participation may vary. Promotion pricing may be lower than meal pricing.
1:05 Speaker 03 It's my pleasure to welcome 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 Uber is in the news. Uber's in the news a lot, isn't it? For allegedly ripping people off who sign up for a subscription with Uber that gets you a little bit better prices and supposedly this, that, and the other. And I need to give you a homework assignment based on the bad ink that Uber is getting. And I'm gonna start talking about that on today's podcast. Then later, Warren Buffett gave some advice
1:49 Speaker 03 that's not about what investments you should own, but something if you have been financially successful in your life. There are many ways to be successful, but if you've been financially successful, something that he urges you so strongly to do for your family. And I think it's really smart. So I alluded to this recently that I have a number of credit cards and I looked through them and there were all these subscriptions to streaming services that I didn't know we had. I was as bad as all the rest of us with the streaming subscriptions. So I just go in
2:33 Speaker 03 and I start canceling them all because I don't watch any of those things. And suddenly I'm hearing from my wife, one of my daughters, my son, "Dad, what happened? This isn't working, that's not working, the other's not working." I said, "Well, when did you sign up for this? And why am I paying for it? And what price are we paying per month compared to what deals there are?" That's just one example of all the craziness with the subscriptions. The Uber thing that triggered me thinking about this was Uber is under investigation for when people
3:13 Speaker 03 want to cancel their Uber subscriptions, that Uber makes it impossible for you to cancel. And this is something that's come up in the past, how difficult it is once you sign up for something to cancel. So I want to tell you something that happened with me recently. I have, one of the travel cards I have had a promotion where I got two free years of something called Lyft Pink. It supposedly gets you higher priority for Lyft vehicles. The important thing for me was it allows me access to bikes for free as I travel in cities all over the place. And so I love hopping on a bike, but I won't ever do those because
3:55 Speaker 03 I don't want to pay the money. And now for two years I get it free. But what happened when I got this two-year free promotion is it said, "And after the two years, you'll be billed at our normal rate, which is right now, I think $200 a year." So I immediately signed into this Lyft Pink account thing that I now have, and I turned off auto renewal. And that's what I encourage you to do with any of these subscriptions you signed up for, is once you've signed up for it, they're all designed to auto renew. And the inertia of life, the charges just go on and on and on and on.
4:36 Speaker 03 So what I do is I go on and I turn off the auto renewal. But what about the ones that don't allow auto renewal? Well, somebody came up to me the other day in Sam's Club and says, you know, here's what I do, and it's something we'd had a suggestion from a listener before, that they use a small remaining balance if they got a gift card from somebody, you know, Visa, MasterCard, gift card. They leave a small amount on there and they use it as the payment of record for any of these subscriptions that auto renew. And then all of a sudden, you're going to get a notice saying, hey, your form of payment was not approved. We need a new form of payment.
5:20 Speaker 03 It becomes your automatic stop on all these crazy subscriptions that are running up your bills like me, looking at the credit cards and seeing all these things. And why did we have two different Hulu subscriptions? And one was for more money because it didn't have ads in the Hulu? I was dying. Anyway, think about what I could have done with that money. Put it into an index fund, let it sit there for, anyway.
5:49 Speaker 04 Oh, my gosh, your family. I just feel like.
5:53 Speaker 03 What's funny with them is, Dad, you changed this again. Why did we do that? Well, it was a better deal. So hopefully by osmosis, it gets in their brains.
6:03 Speaker 04 I love how like it just stops working for them.
6:07 Speaker 03 Well, what am I supposed to do?
6:08 Speaker 04 Well, let them know, maybe. I don't know. That's just funny.
6:10 Speaker 03 Wait, wait, wait. My kids signed me up for a subscription to something.
6:14 Speaker 04 True, true, true.
6:15 Speaker 03 Using my card number.
6:17 Speaker 04 Mm hmm. Yep. Yes, you're right. I mean.
6:20 Speaker 03 They're all adults.
6:22 Speaker 04 I know. I know.
6:24 Speaker 03 I must say, my oldest never does that anymore, but she's also 35.
6:28 Speaker 04 Yeah, she's got two kids.
6:31 Speaker 03 Yeah.
6:33 Speaker 03 So now her own kids will bring that joy into your life. Oh yeah, look at this. Boom, sign up for it. Do you know how many subscriptions you've got going in your family right now?
6:43 Speaker 04 No, and I need to look through that, honestly.
6:46 Speaker 03 All right, all right. So here's your assignment. Let's say sometime in January, come in on the podcast and you talk about everything you found on your cards.
6:54 Speaker 04 I'm gonna go through everything. I'll do it.
6:56 Speaker 03 And you're gonna save so much money.
6:58 Speaker 04 I am.
6:58 Speaker 03 You're gonna say, you know, I'm saving so much money now, I think I'm gonna retire.
7:02 Speaker 04 No, definitely not.
7:03 Speaker 03 No, okay.
7:04 Speaker 04 Okay, we'll go to questions. MJ in West Virginia says, Clark, when you had Jonathan Clements on the show, he mentioned he only kept his tax returns for the past seven years. You've mentioned you keep your tax returns indefinitely, minus the supporting documents after seven years. So who's correct? And by the way, thanks for introducing me to the Humble Dollar years ago.
7:26 Speaker 03 Thank you very much, and we've received so much wonderful feedback. You know, we don't normally have guests, but we got such great feedback on the Jonathan Clements broadcast. He's such an amazing man.
7:40 Speaker 04 He is.
7:41 Speaker 03 And HumbleDollar.com is a wonderful website that if you've not checked it out, it has such great philosophies about how to invest for the future, how to manage your money and manage your expectations in life that are just great. Okay, so the tax return thing. So both Jonathan and I say, keep your returns, all your supporting documents for seven years. I keep either a disc or a paper copy beyond seven years of just the return itself. So that the thing with the IRS, there's no end period when they can come after you for failure to file.
8:24 Speaker 03 And so keeping a copy of the return shows in good faith that I did file, and those take up like no room at all. I have an obsessive number of years of just the returns themselves or a disc going back, trying to remember, so the 70s or into the 80s. And so it's silly, but in the case of doing the seven-year rule, that's the sane, rational thing to do? I'd say what I do is beyond the pale.
8:53 Speaker 04 Jennifer in North Carolina says, "I have $200,000 saved and it's sitting in a savings account."
8:58 Speaker 03 Well, first of all, fantastic that you've got 200 grand sitting there. Pretty anemic to have it in savings.
9:06 Speaker 04 What do you think I should do with it? I'm 52 years old with more than enough retirement savings and here are four ideas. One, pay off the primary home at 2.75% interest. Two, pay off a rental property in full at 4% interest. Three, buy a new investment property. And four, buy more stocks, bonds, and CDs. And I'm open to other ideas.
9:27 Speaker 03 Well, Jennifer, it's hard to give good guidance on that because your finances are so solid. So it's like, what goals are you trying to achieve that you haven't met? You are 52 and you are the rare bird who already has saved enough money to do everything you want to do in retirement. That is incredible, just fantastic. You're earning though today on a savings account, if you're putting it aside wisely, somewhere between 4.5% and 5.2% likely. If you're earning less than that, and this is money that you're just, your mad money if something goes wrong or whatever,
10:08 Speaker 03 you want to make sure you're putting it in something earning a much higher rate than maybe you're earning right now. The best way to do so is with an online bank. We have a simplified guide at Clark.com. If you want more data on that, Bankrate.com may be the best for that. But I think you'll find enough on our updated guide that we continually update. But what would I do with it? I would dollar-cost average it. If you don't need that money, you're okay for a rainy day. At least have enough in savings for a rainy day. I would definitely not pay off your primary home at 2.75% since you can earn more even in a simple savings account. I would not pay off the rental property at 4%
10:52 Speaker 03 because in today's market, you can earn more than that in simple savings. Buying a new investment property right now is not a good idea because housing is so pricey at the moment. So I would look at dollar-cost averaging. Into investments, into my favorite, if this is going to be an investment account, into index funds. If you're not fully funding a Roth IRA each year, I would do that. You say you've saved more than enough for retirement, but the Roth is so tax favorable in that the money goes in and then it grows tax-free and you spend it tax-free. It's a great asset
11:34 Speaker 03 ultimately for an heir to inherit if you end up not needing the money. And I would continually make sure every year that you're putting money into the Roth because of your age, you can do catch-up. You can do more than the 7,000 that normal earthlings could do. But I really like the idea of you taking money and month by month in equal chunks, if you've already funded the Roth every year and all that, you put it into a broad index fund like the total stock market index or broad market index with Vanguard or Schwab or Fidelity, if you do business one of those, and not have so much idle cash sitting there
12:13 Speaker 03 because long-term, having the money invested in corporate America will pay off. Why dollar cost averaging? Because the stock market is a little inflated right now. It's not a good time to put a lump sum in.
12:29 Speaker 04 Kenneth in Georgia says, "I had the unpleasant experience of having a thief hack into my cellphone account." When I received-
12:35 Speaker 03 Some stealing, some swapping, yup.
12:38 Speaker 04 "When I received a notice that something had been changed on my account, I logged in and I couldn't see anything that had been changed. When I received another notice, I logged in again and noticed that the contact email had been changed. I immediately changed it back and updated to a stronger password. Later that night, my wife said she'd been having trouble with her cellphone. She wasn't able to get a call through and I noticed the phone was only working on wifi. To my surprise, after logging into my account, I found that the thief had changed my secondary line to an entirely different cellphone model and IMEI number. They made around $25 in calls overseas where they were apparently located, Russia, we believe. While I still remain confused as to why a thief would go to all that trouble to hack- An account across seas instead of locally.
13:21 Speaker 04 I wanted to share this information with my fellow consumers to check everything. When you get these notices that something has changed. Because all this happened within about two hours. We were able to avoid paying for these bogus calls.
13:33 Speaker 03 So Kenneth, thank you so much for sharing your SIM swap story. And here's what you need to know. The overseas calls, that's not what the criminals are after. They're after two factor authentication. Unless this person just didn't realize that's where the real money is. Then they try to get into your brokerage account, your bank account, wherever your money is, and swipe your money. So cellphone companies now provide a SIM lock feature. I remember when Krista switched recently, she didn't even remember that she had SIM lock on and couldn't port her number, right?
14:11 Speaker 04 Right.
14:12 Speaker 03 Yeah. So this is a great procedure because it stops the criminals cold who have stolen your account information, gotten into your account with whoever your cellphone provider is. Because what they're after is getting that one time use code that allows them into your account where they can then move money out that is very difficult to ever recoup. So take the notice you've gotten from Kenneth that he dodged a meaningful bullet and you put in place with your cellphone provider, SIM lock. It means if somebody does hack into your account
14:55 Speaker 03 and then try to steal your cellphone service, they can't, even if they've gotten into the account, because you've got the SIM lock feature in place. Or it puts an extra roadblock in. And SIM lock, as most of the carriers refer to it, is free to do. Some carriers, you can do it just by signing in your account, go into the procedure to lock it. And the smart carriers don't allow somebody, once they've gotten access to your username and sign in and gotten into your account, they don't allow them. After a change in information for email address or anything like that, to remove the SIM lock from a sign in of the account.
15:38 Speaker 03 You can add it in some cases to your account by signing into your account, but you can't remove it that way, which helps prevent a criminal from being able to really go around the SIM lock. This is serious stuff. If you have worked hard to save and invest money over the years and in a day, a criminal runs off with much of it or all of it. Coming up ahead, speaking of having money, there are some responsibilities that fall on you. If you have been financially successful, built up assets, and you've got the dynamic of what's going to happen to that money
16:22 Speaker 03 when you're no longer with us. I want to talk about Warren Buffett's advice on that straight ahead.
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18:13 Speaker 03 So, none of us are immortal, right? And it's always tomorrow, we're going to get around to updating our will, doing what used to be called a living will, now referred to more often as a durable power of attorney for healthcare, having some kind of paperwork that tells your survivors about all your online existence, your online accounts, all of that. What now is referred to as a digital will. These are things that are always like, yeah, yeah, yeah, yeah, I'll get to it. And it completely makes sense with human nature.
18:57 Speaker 03 Why would you want to sit down and say, you know what? Today's the day I'm going to do all that planning about what happens when I die. Nobody says, yippee, I want to do that, right? It's not fair to your loved ones if you don't do it, because you're leaving them with a burden that is really, really messy. So this is something I believe in so much that you don't go to your grave or go to your urn without getting this stuff done, keeping it up to date, and telling your family, your loved ones, your friends, whoever it is, the trusted ones, what you've done, where
19:42 Speaker 03 they find the stuff. And don't think you're doing a good thing by putting it in a bank safety deposit box. That's an issue for a different day. You don't want anything to do with a bank safety deposit box. They're nothing but trouble in your life. Warren Buffett says something I think is very important that about zero people ever will do. And that is when you've done this stuff, let's say you go to the estate planning lawyer, or if you've got a really simple thing and you use software like Willmaker, or LegalZoom, or something like that, and you do a will, and you write down a document that shows your accounts, and that one you need to keep updated, your sign-ins, all that.
20:27 Speaker 03 I want you to talk to your loved ones about what you've done. And if you've got the guts, do what Warren Buffett did. Sit down with your heirs and tell them what your plan is. Let them even read the will. Because you can't imagine how many times a parent will say, "Well, you know, she's doing really well in life. She's got all that savings, all that. You know, she doesn't need the money. I'm gonna give it to her two brothers." But never explain to her why she's not getting anything from the will, and the two brothers are.
21:08 Speaker 03 The most important thing is to explain your reasoning while you're alive to your kids if you're not doing just a, "You got this, you got this third, you got this third, you got this third." If it's gonna be something where you're saying, "Well, you know, I want to do this for this, and I'm giving this family heirloom to this kid, and I'm doing this, that, and the other." Tell them, tell them. Explain your reasoning, because it'll eliminate so many hard feelings. I got a call from a friend recently who is an executor of the family estate. His dad, without his knowledge, had not done an equal division. And he was the one who had to tell a sibling
21:53 Speaker 03 they weren't getting an equal share. Wanted to know from me how to tell that.
22:01 Speaker 03 Oh man, that's not fair to your kid to put already having to do the estate work. And then tell them they're the messenger who has to tell their brother that their brother's not getting anything? No, whatever the reasoning is, you had a good reason and it's your money and you can choose to distribute it how you wish. And my kids know that if I die second, and I've told all three of them, I'm giving my estate to charity. Giving each of them a little bit and everything else goes to charity. If as likely, my wife is second to die, she feels differently.
22:42 Speaker 03 She was giving money to charity, but she wants the kids to have a meaningful amount of money. And we've explained that to them. Telling your kids what the deal is, I think is really valuable. Now, the living will thing, okay, do you know where your living will or most states have a state statutory form you have to fill out? Do you know where it is? More important, the person you want to carry out your wishes, do they know where it is? Have you gone over it with them? Do they agree with your philosophy that you want this, that, or the other? My mother-in-law and father-in-law have made it clear, they never want me being the messenger
23:24 Speaker 03 on their durable powers of attorney for healthcare because they know that I don't like artificially prolonging life when there's no hope. That's not my thing. And they're like, Clark, you'd cut things off too quick. I think you said that too, Krista, didn't you?
23:41 Speaker 04 Yeah, I have to say, I agree with them on that.
23:44 Speaker 03 So you don't want me to be the one to be the durable power of attorney for healthcare?
23:49 Speaker 04 You're too quick to lose hope.
23:50 Speaker 03 Yeah, so you want, you want the person who's mind melded with you.
23:55 Speaker 04 Right.
23:56 Speaker 03 And you want to go over it with them, do that. And if you can't find yours and you did it, I don't know what year or century I did it, do one now and check to see if your state has their free forms that you fill out. There are different witnessing requirements, maybe none in some states, just depends on the state what you have to do. Make sure it's up to date, make sure people know where it is. And the third one is all this digital stuff. Does anybody know how to get in any of the bank accounts, brokerage accounts, frequent flyer accounts, accounts, accounts?
24:29 Speaker 03 Email accounts, what am I missing?
24:32 Speaker 04 Oh my gosh.
24:33 Speaker 03 Cell phone accounts.
24:34 Speaker 04 Your bank accounts. Well, you said brokerage.
24:36 Speaker 03 Bank accounts, bank brokerage, retirement accounts. So, these three things, come up with the date each year, whatever that is, your birthday, when we change from standard time to daylight time, daylight time to standard time, whatever it is, come up with that time that works for you, that you make an appointment to make sure that all three of these things are up to date and done as you wish today. There's a lot to throw out about this, wasn't it?
25:13 Speaker 04 I think it's important, for sure.
25:15 Speaker 03 But it's hard to get people to not zone out on this.
25:19 Speaker 04 All right, well, we have a question that is sort of very related from Andrew. He says, "I'm a longtime Quicken user and they recently offered a new service, Quicken Life Hub, a secure online personal vault for all your important documents, information with an easy to use interface. I also saw a similar product called Trustworthy. Does Clark or your team have any experience or recommendations in this area? Today I use a combination of backup drives, Dropbox, and paper to store my important information, so I'm looking for a more organized and secure option."
25:48 Speaker 03 Andrew, this is going to surprise you. I prefer what you're doing right now. The problem with the digital services is they'll decide one day, like, "Oh yeah, we're not going to do that anymore." What was that budgeting thing that people love so much?
26:04 Speaker 04 Mint.
26:05 Speaker 03 Mint. That just the owner of Mint, was that Intuit?
26:09 Speaker 04 Yes.
26:09 Speaker 03 Intuit, just like, they just had a meeting one day and they say, "Yeah, we don't want to do this Mint thing anymore." Bam, gone. I worry about any of these digital kind of services, free, subscription, whatever, that the owners of the company just one day say, "Yeah, we're not doing that anymore." And then where are you left? So you relying on me, myself, and I, which is what you're doing right now, and having basically three different ways you're storing stuff, I think is actually an organized way of doing it, and I prefer that to the subscriptions because we just can't trust them right now, or maybe ever.
26:51 Speaker 04 And just make sure you're regularly changing your password on your Dropbox, too. Marcelino in New Mexico says, "My wife and I will be traveling to Bolivia in 2025. We will be driving 25 hours to catch the plane in Miami,"
27:04 Speaker 03 Oh, my goodness.
27:05 Speaker 04 "Saving us almost $1,000 on airfare." Would you do that, Clark?
27:10 Speaker 03 No, I've driven 10 hours to save money on airfare. 25 is a lot. Okay, here's my challenge to you before we go on with your question. Watch airfares to see if an airfare gets cheap enough time to time, because fares to Florida can end up being really, really thrifty and could end up being cheaper than the cost of driving those 25 hours each way. Just a thought for you. It would be good to set up an alert like Google Flights or something like that. And if a really, really cheap fare pops up from, let's say, Albuquerque to Miami, you may still save so much money that it's worth it versus driving.
27:51 Speaker 04 Okay. "We have never been on any kind of international trip before, and we aren't sure what to expect. Our cellphone service is visible, thanks to your recommendation. Will our phones work in Bolivia? And while we're making our way there, should we carry cash? Or is everything done by credit card? And are there any safety measures we should be aware of? And any other tips or information you think would be helpful?"
28:13 Speaker 03 So, Marcelino, I've been to Bolivia. And when you get out of La Paz or one of the other very major metro areas in Bolivia, it gets very, very rural fast. And credit cards are not normally accepted. They are accepted in the big cities and routine middle-class and above businesses. And so, the credit cards will work there. But as you travel more remotely, it's going to be all cash. So, the important things for you to have, and I'll come back to the cellphone later, and there's another thing about Bolivia you need to know. Make sure that you alert your credit cards that you're going to be there.
28:57 Speaker 03 There'll be like a foreign travel alert that many credit card companies have that you do on their websites, or you do by calling into customer service. And if you have more than one checking account, or savings account, one place checking account another, I want you to have ATMs, if you can get them, ATM cards for more than one financial institution on this trip. You need to alert them you're going. The reason you want two different ones from different accounts is a lot of people report in Bolivia and some more remote parts of South America, that they'll go to put their card in an ATM and it never comes back out. And then you got no way to get cash after that.
29:41 Speaker 03 That's a real problem. ATMs are widespread in La Paz. They're all over, like you'd find in any other big city. You will be much happier having a decent supply of a lot of local currency, which you're going to need when you travel around. Did I mention that a lot of places with credit cards in Bolivia, you'll have to pay a 10% surcharge using a card? Did I mention that? No. So, cash can be really good in Bolivia as the method of payment. One other thing, the US dollar is useful as an exchange currency in bigger cities, not so much elsewhere.
30:24 Speaker 03 And you may have a tax that you have to pay, an arrival tax for like a local visa, that is really expensive in Bolivia. I've heard from people, it's like 150 bucks. Look that up before you go. You can pay for that with a credit card. Cell phone. Visible has a thing where you can pay a daily fee, roughly $10 a day, to use it in a foreign country. You're better off when you get to La Paz, if that's where you're flying into, to buy a SIM, a data SIM, to use in your phone. Make sure your phone, well, it would be unlocked if you were visible, that you can put that
31:06 Speaker 03 in your phone, it may be an eSIM or a physical SIM, and use that while you're in Bolivia.
31:12 Speaker 04 And the visa costs $160. Actually, US Embassy in Bolivia has a nice briefing.
31:18 Speaker 03 On the arrival
31:19 Speaker 04 On their website.
31:20 Speaker 03 Into Bolivia. I loved going to Bolivia and it's one of the countries that I want to get back to that I've not made another visit to.
31:29 Speaker 04 Have a great trip. This is from John in Texas. Has any member of your team reviewed Roku TVs? If so, are there any recommendations? I'm interested in the 43 inch models. I know you're going to think that's too small.
31:41 Speaker 03 Yeah, John, that's way too small for a television. Forty-three, you gotta go 55 at least. We are Roku in our household and there are advantages and disadvantages to buying a Roku TV. The advantage, the integration is so simple, so good, just like they are with the Fire TVs. I'd say the Fire TV platform and the Roku TV platform are the two smoothest, easiest to use. The LG one is a nightmare and I don't like the Samsung one. I don't like many of these other operating systems for TVs. I really prefer the Roku and the Fire because they are so streamlined,
32:24 Speaker 03 so easy to use. The Roku TVs, because the models continually change who Roku licenses to, you have to go with the reviews. You're not going to find them in Consumer Reports typically because the models change so quickly, but you'll find the reviews to be really helpful. I will tell you that we have a variety of Roku TVs, always tuned to football during football season, and the pictures on them, without exception, are really great because you're watching streaming and I'm really, really happy with the pictures we get on those TVs.
33:04 Speaker 03 And maybe I'm not picky enough about the quality of the picture, but I love them. And that 43 inch, as of late, has been as cheap as 100 and change. You'll even find the 55s have been as cheap as $179. So you see, I'm trying to push you up from that 43. But the Roku is Easy, easy, breezy to use. And speaking of why things are so cheap right now, it's because it's the Christmas season. And we're closing in 13 days till Christmas.
33:42 Speaker 03 And we're in the later stages of getting it together for the children that we buy gifts for who are in foster care. Our 34th year of Clark's Christmas Kids. If you've never heard me talk about it, you're like, what's this thing? It's where we as a community come together to make it possible for children in foster care to have gifts that they have wished for Christmas morning. If you go to clarkscrimismkids.com, you can see how it works. You pick out a child, age you want to buy for. You see their names, boy or girl, what gifts they want, buy one, two, or three of them, or just give us cash.
34:27 Speaker 03 You'll see the donate now button for that. And at Clark.com, you'll see a header right when you get there about Clark's Christmas Kids. This means so much to me that our listeners, viewers, readers have been so unbelievably generous over these 34 years to help make these wishes come true for children in foster care. Remember, they didn't do anything wrong as the adults and their family that couldn't provide a safe, loving environment for these kids. And these kids end up in a foster group home, or they end up with a foster family. And so many of the foster parents have such wonderful hearts that they open up their
35:12 Speaker 03 homes to provide care and a safe place to live to these kids. But I want you to pitch in and help these kids have Christmas. Again, clarkscrimismkids.com. Have a great day. Tomorrow, you give me an early holiday gift. Clark Stinks comes your way. And let me tell you, I look forward to it every week. See you tomorrow.
35:45 Speaker 01 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.
35:57 Speaker 02 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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