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Clark Howard's expert consumer advice

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Don't Give Your Social Security Number at These Places

When should you give your Social Security number and when should you not? My rule on giving out my Social Security number is that I don't do it, unless I know it's absolutely, positively required for what I'm doing. Companies and institutions ask for our Social Security numbers like they're ...

Facebook Privacy Policy Changes To Benefit Users

Facebook is about to offer users a more hands-on way to manage their privacy on the 1.28 billion person social network. Here's a look at how the new Facebook privacy policy will impact users According to a recent post on its blog, Facebook will default all new user accounts to ...

3 Apps To Earn Cash Back On Groceries

It seems like every week we hear about food prices going up again.  First, beef prices. Then, it was milk and eggs. Now, the U.S. Department of Agriculture has announced that the price of fresh fruits and vegetables will rise 6% in the coming months. That’s due in part to ...

The Best Ice Cream Is Also The Cheapest

For as far back as I can remember, I have been thrifty. Some would say "cheap," and I have no problem with that word. But all through the years, I have had a mantra: There is one thing in life on which I will not compromise and that's ice cream. ...

12 Quick DIY Ways To Save on Your Energy Bill

  Summer will be over in a few weeks and it's never too early to start thinking about ways to lower your winter heating costs. By making some basic tweaks to your home, you can stay warm and save money at the same time. Here are 12 quick DIY ways ...

Smartphone and Data Plan Guide for 2014

The cost of monthly cell phone service is dropping. The change for your wallet is the best since the last big wave of discounting began 15 years ago. Plans and services are morphing in many different directions at once. That makes saving money more complicated and requires you to decide ...

Fake IRS Phone Scam Making the Rounds

Just before the holiday rush, scamsters are working overtime trying to get your money in a continuing phone scam. The Internal Revenue Service reports sophisticated IRS impostors are calling people and demanding immediate payment. In some cases they're also impersonating local law enforcement and threatening you with immediate arrest unless ...

Student Loan Guide

Do you need to borrow to fund college education for yourself or your child? I wrote this guide to tell you about my Clark Smart approach to student loans. If you already have student loans, you'll probably want to jump my very popular section on student loan forgiveness and affordable ...

How To Shop for Term Life Insurance

It's distressing to me how few people with young kids have life insurance. The problem is the insurance that's best for people with dependents is not touted by the industry as a general rule. Stay-at-home spouses have a special need for life insurance. A new survey from Salary.com finds the ...

3 Banks That Rip You Off With Re-order Fees

Three giant monster mega-banks have been singled out for gaming the system when it comes to NSF fees. Are you banking with any of these bad boys? Pew Charitable Trust has identified Bank of America, Chase, and Wells Fargo as the 3 banks that play dirty pool with your money. ...

How To Get Generic Drugs Even Cheaper

Generic drugs now account for well over 80% of all prescriptions. Just 10 years ago, less than half of drugs sold were generics. Much of the growth is because employers make generics extra-affordable through mail order programs (pharmacy benefits managers). Then you also have the grocery stores and big box ...

Would You Trade Your Privacy for Cheaper Car Insurance?

There's a way to save on auto insurance that's gaining popularity, but you'll have to trade your privacy for lower premiums. Trading privacy for savings on auto insurance Under what's generally referred to as the 'pay as you drive' model, auto insurers track your every move using small monitoring devices ...

Trade Privacy for Cheaper Car Insurance?

There's a way to save on auto insurance that's gaining popularity, but you'll have to trade your privacy for lower premiums. Trading privacy for savings on auto insurance Under what's generally referred to as the 'pay as you drive' model, auto insurers track your every move using small monitoring devices ...

Don't Give Your Social Security Number at These Places

When should you give your Social Security number and when should you not? My rule on giving out my Social Security number is that I don't do it, unless I know it's absolutely, positively required for what I'm doing. Companies and institutions ask for our Social Security numbers like they're ...

Limit Cars Loans to 42 Months

Auto loan financing is suddenly available to people with damaged credit who may have been turned down for car loans as recently as a few months ago. But is that "yes" to your credit app really a "yes" in your monthly budget? How to avoid buying too much car If ...

Why You Should Limit Cars Loans to 42 Months

Auto loan financing is suddenly available to people with damaged credit who may have been turned down for car loans as recently as a few months ago. But is that "yes" to your credit app really a "yes" in your monthly budget? How to avoid buying too much car If ...

Why You Should Limit Car Loans to 42 Months

Auto loan financing is suddenly available to people with damaged credit who may have been turned down for car loans as recently as a few months ago. But is that "yes" to your credit app really a "yes" in your monthly budget? How to avoid buying too much car If ...

MoneyPak Soon To Be Phased Out

A common tool used by scamsters to sending money around the world without a trace is about to meet its end. For years, people have been scammed by con artists who get them to go into the drug store, a Wal-Mart, or a convenience store to buy what's called a ...

When Should You Switch Insurers?

A huge percent of people never shop their auto and home insurance. That's not necessarily a good idea considering that modern American business punishes loyalty, rather than rewarding it. The Wall Street Journal reports that roughly 1 in 3 people never shop their auto insurance. Almost half never their shop ...

Win Money To Save For The Future

We know on an intellectual level that we should save money for the future. I could spend all day going blue in the face telling you, "If you have save this much money, it will grow to this much in 15 years. And then it will grow to this much ...

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