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The Clark Howard Podcast
01.10.25 Clark Answers His Critics on Clark Stinks / Find Your Best Phone Plan
00:38:11
Clark Answers His Critics on Clark Stinks / Find Your Best Phone Plan
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- [00:00]
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- [00:20]
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- [00:55]
Clark Howard
I'm so glad you're with us today on the Clark Howard show, where our mission is to serve you with advice and information so you make better financial decisions in your life. I forgot to say empowerment. We empower you every day. That's my goal. And today I get empowerment from you and our first clerk, Clark Clerkstakes Clark Stakes Rewind the Computer Clark of the New Year. And if you're new to the show, hopefully you're in for a special treat. And also in this episode, you're going to hear me do various checkup items for you. Did one a few days ago about how to get your streaming life budget in order. Today I'm going to talk about how to get your cell phone budget in order. But right now it is time for Clark, I should have never encouraged you to speak. You must think I'm pretty stupid.
- [01:56]
Apple Card Ad
You should be ashamed of yourself.
- [01:57]
Clark Howard
Well, maybe I'm wrong.
- [01:58]
Listener
Maybe I'm wrong.
- [01:59]
Clark Howard
Maybe you're right, pal. Oh Clark, you didn't really do the Krista dance today.
- [02:10]
Listener
You weren't feeling it. Wouldn't be special if I did it every time. Okay, your advice stinks worse than my full garbage can left by the curb for a week in the July heat. This is a dust double stinky you and Krista on December 10, Krista told a listener that LED bulbs may fail early if you put them in a fixture with a lower wattage rating than the LED's equivalent rating of an incandescent bulb. Not so. The equivalence is an imaginary number. What the manufacturer is trying to say is that the brightness of the LED is the same as such and such light bulb, but it's a made up number. If you want to know how bright a bulb is, look at the lumens, the fixture only cares about how much energy is actually running through it and how much heat it generates. Both are indicated by the actual wattage used by the bulb, not that factitious equivalent wattage. You can put an LED that actually uses 15 watts in a 40 watt rated light fixture, no problem. And it will be as bright as a 100 watt incandescent.
- [03:06]
Clark Howard
Greg, 100% correct. Greg, on everything you said. And what's so phenomenal is how cheap LED bulbs are now for lamps, that kind of thing. Routinely we have them on Clark deals as little as A$1,25 a bulb. And what they save you in electricity over the years, I mean it's a big number. And you know what else the light from an LED bulb is whatever you want it to be now. So you know you like soft white, a really soft white, a lighter white, many of them will do all kinds of colors. Whatever you want, you're going to have that with an LED bulb. And the quality of them is still up and down depending on the manufacturer, but they are a deal.
- [04:01]
Listener
You stink like that. Must yield record you play over and over about credit card rewards. We get it. A person who spends $40,000 in charges would get an extra $400 with a 2% card versus a 1% card and even a little bit more by cards with little stickers. But you don't listen when we want to hear the record about bank bonuses or brokerage bonuses that easily generate far more money. I earned $400 a month for less than an hour of work to open a new checking account and change my payroll, direct deposit. A few alarms set on my phone and I do the same the next month and close out the account after the bonus is collected. And this is like coin purse change compared to the $18,000 I collected last week for from Moving IRAs and Roth IRAs last March without changing a single investment for my Schwab and Vanguard Intex ETFs, I can now switch and collect $20,000 a year for the next three years with a few account transfers. Please help your listeners by not playing credit cards so much and start informing them about the significant bonuses they can get.
- [04:59]
Clark Howard
Joe, Joe, I wanna thank you for this. And Joe, you are a nightmare for the banks and brokerage houses because you are so methodical about this. So why is it I don't talk about a lot of these bonuses? Because these bonuses, you know, I get them every single week from banks offering me 300, 500, even a thousand dollars to open a Checking account with them as long as I set up as you talked about, Joe, direct deposit. So I'm a little flaky. I am not like you that, that I keep the perfect records and I know exactly when I should move the money again and all that. You have to be your kind of personality to make these programs work. Most of us fall right into the trap that the banks and the brokerages want, which is we move stuff over and then when the reward period is up, we just leave it there. You're playing a great game of hopscotch. And they all know in their business models there's going to be 1 or 2% of people who are going to really wonderfully game the offers and that's perfectly legal what you're doing and keep doing exactly what you're doing and thank you for sharing for others that are infinitely great at detail that they should be doing this too.
- [06:29]
Listener
I think I heard Clark say Medicare Advantage health plans are dumping patients in quotes back into regular Medicare at an expense on the average taxpayer. I always thought that the whole system, regular and Advantage plans is wholly supported by US taxpayers. This is why I get upset when I read about the hundreds of millions these plans make by denying care to seniors. Please let me know if I stink or if it's Clark. John.
- [06:51]
Clark Howard
John. Okay, so what happens in a Medicare Advantage plan is what you just said about denying care. So what will happen is somebody will be really, really sick who's in an Advantage plan and the Advantage plan. One of the problems with them is they can work great for regular routine stuff. You can see how you might be saving money being in them versus being in traditional Medicare. But then when somebody gets a really, really complicated or expensive illness, that's when the problems with Advantage plans comes to the fore because they make their money by the money they get from the federal government. And what they keep is the difference between what they have to lay out for their Advantage members medical bills. That difference is what they keep. So the incentives are set up so strongly for the Advantage plans to deny life saving care for people who need expensive operations or need expensive ongoing cancer care. And that's why there's the patient dumping going on back into traditional Medicare. So someone who has a catastrophic illness costs a lot of money to treat. And so that then the Advantage plans were getting all this money from the federal government and they were making nice money on you. Then suddenly you're expensive and they're like we're not going to take care of you. I don't know why you thought we were going to do that. And that's when people to save their lives, if they have the family resources to do so, switch back to traditional Medicare.
- [08:37]
Listener
Clark, you mentioned on your podcast that you thought you were too old to donate your body to a medical school for research. I can attest that is not the case. My father was 75 when he passed away, and prior to his death, he completed the application to donate his body to UNC Chapel Hills Medical School, and they accepted it. About a year after his death, UNC invited our family to Chapel Hill for a wonderful ceremony in which the medical students performed music to honor the people who donated their bodies. There were about 50 families in attendance, and it was very gratifying that my father had the vision to do that. He was a career academician and his final wish was to benefit education in any way he could. John, he sounds like a wonderful man, his dad.
- [09:18]
Clark Howard
That is really neat. And John, I'm going to see if I can do the same donating to medical school, since I'm getting to the point that nobody's going to want my organs for transplant. So I love that and I thank you for suggesting it and how.
- [09:35]
Listener
What a neat thing that UNC Chapel Hill does with that program.
- [09:39]
Clark Howard
Yeah, that's great.
- [09:39]
Listener
That's lovely. What a nice tribute on property taxes. Clark, you need to do your research on all 50 states before you pontificate. If you had studied the way Oregon does things, you would have learned that the assessed value of property in the state cannot increase by more than 3% per year. And unlike crazy California, property doesn't get reassessed upon sale. So there are no huge and unfair disparities. The only way property gets reassessed at a higher rate is if the owner does an addition or other major value enhancing improvements. Which is fair. Gordon. And lots of people wrote in about that, about Oregon, specifically about that.
- [10:12]
Clark Howard
Yeah. So when I talk about something that affects all 50 states, obviously there's going to be generalizations. And no one has figured out what the perfect solution is to not driving people out of their homes. As home values have risen, several states have some methods, like we're talking about with Oregon, that caps the increase by a certain amount each year. For residents. In Florida is an example. I think they also use the 3%, except for the many people in Florida who own property there that are non residents. This is something we'll find our way to. And it's one of the advantages of federalism, is that all 50 states are learning laboratories about how to solve a problem. And Right now we have had a problem in many states that don't have a system like Oregon has or other states that cap how much property taxes can go up in a single year and then in turn not price people out of their homes. I want to thank you, Gordon and all the others who wrote in about this. And I must have done a really bad job in my generalization about the property tax problem. And if I did a really bad job, I apologize for that.
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Listener
You don't stink, but I think you missed an opportunity to explain something. A 22 year old young man wrote in to ask about where to invest. You said index funds, which in my humble opinion is correct. But you didn't explain why. You often talk about index funds but rarely explain the rationale so listeners can understand the thought process and numbers behind that decision. Some concrete numbers would be helpful. Here's some I think would be helpful to put things in perspective. It's impossible to time the market. This has been proven time and time again. The market on average goes up 10% annually. But this is long term number. It only goes up 52% of the time daily and and is up 69% of the time after one year, 81% of the time after five years, and 100% of the time over 20 years. The market always goes up, but you can't tell when and for how long. Active fund managers don't beat that market 94% of the time over the long term.
- [12:28]
Clark Howard
Say that one again.
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Listener
Active fund managers don't beat the market 94% of the time over the long term. They may beat it for a year or two, but long term they don't. This year's winning managers are different from last year's Market timing does not work. And this is the reason you should invest in the market as a whole in passive index funds. And that's from Linda.
- [12:49]
Clark Howard
Linda, thank you. That was a perfect explanation of my obsession with index funds or the ETF equivalent is that you don't have to be exceptional. If you just ride the market, you'll do fine. When you look at active people who go into active funds, they tend over time to trail the market by a significant amount of money. And the most important thing about being in index funds is that you stay the course. When we go into a bear market, which is a decline of 20% or more, we may be in a position that feels terrible for a year, year and a half, two years, you can't bail. You got to stay in. Think about 2000. Was it 2007 or 8 that we were getting deluge from people that wanted to bail from their investments.
- [13:47]
Listener
Yeah, I mean, I think 2008. Yep.
- [13:49]
Clark Howard
And what happened to those people? They missed the run up.
- [13:53]
Listener
Yep. For sure.
- [13:54]
Clark Howard
One of the greatest bear markets of all time that emerged from that time of panic from the banking scandals and capitalism reforms. Heals and grows.
- [14:07]
Listener
You were talking about Walmart delivery service and you mentioned that the tip was optional. It's my understanding that if you don't tip this driver that delivers from the store, in some cases it's really hard to tell with Walmart how your item's actually coming. The driver will get shorted. So it's important to tip if they're coming from the store. It used to be doordash drivers were doing this run. I don't know if that's still the case. I think in some places Walmart has their own delivery service, but it depends on where you live. Pete.
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Clark Howard
Pete, thank you for that. You know, Walmart for a while did all kinds of experimenting with how they did their store deliveries. They would ask employees, hey, on your way home, do you mind taking a couple of deliveries? And the big advantage to the employee was they were getting tips. Obviously we have doordash doing it. It'd be tips. Walmart, though more and more is doing their deliveries with their own fleet of drivers and trucks. It would be the equivalent of Amazon delivering with its own drivers and trucks. Do people tip Amazon drivers?
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Listener
I don't know.
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Clark Howard
I've not heard of that before.
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Listener
Clark doesn't stink, but I believe not long ago he said it's okay to give out a VIN to someone who's interested in a vehicle for sale. Maybe there are stipulations, but I don't remember. I listed a vehicle yesterday after googling if it was safe. I gave my VIN to a couple of people who wanted to run a carfax, but the requests kept coming. I went back online and further down in the search and it said it wasn't a good idea due to VIN washing. Looking back at who received my vin, these two individuals weren't local and had zero info or posts on their pages. Whoops, now my VIN is out there. Richard.
- [15:43]
Clark Howard
Richard. Thank you. All right, so this is a complicated thing. People are duplicating your listing for sale to con other people who then pay them a deposit, sight unseen for the vehicle is the most common thing that will happen with what you refer to. I've not heard the term before. Ven washing. I've heard it as ven cloning. It's Hard because if you look on Auto Trader or you look any other car sales site, you'll now see that dealers of used vehicles routinely automatically have there where you can see the VIN on the vehicle and you can see potentially a carfax report or something like that. It has become part of how people go about buying used vehicles as they don't want to buy trouble. Now you're talking about the other side of this, that people can have trouble from the actual VIN being supplied with the van itself, that you as a seller could have problems. I mean, it's, it's just hard to know what to say because it's really useful for a car buyer to have a van so they don't waste their time with a vehicle that's been through significant damage. And while we're talking about damage to vehicles, I wanted to make sure you know about something that I had complained about a problem I had buying a demonstrator vehicle. And somebody mentioned to me, hey, if you buy a demo unit from Tesla, they will not normally disclose unless you click deep into it, that the vehicle has been in an accident. So I went on Tesla's website after somebody told me that, and sure enough, I found a demo unit for sale that didn't say anything about the fact that the vehicle had been in a wreck, maybe on a test drive or something like that, till I clicked on a sub menu and there it disclosed that the vehicle had had $5,850 and repairs done to it before it was put for sale. And that brings up again how important it is to do backgrounding on any vehicle you're going to buy. If it's a new car on a new vehicle lot, maybe not so much if it's a vehicle that's a demo or one or two years old. Really important to know not the mechanical of the vehicle, but nearly as much as it is if it's been in any kind of accident. That would mean you're buying a vehicle day one to you that already has a problem that's going to make it worth a lot less and maybe also cause you problems down the road because of whatever accident it was in. Coming up ahead, I want to talk to you about something that we waste crazy amounts of money on and that's our cell phones.
- [18:55]
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- [21:03]
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- [22:04]
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- [22:31]
Clark Howard
Industries don't like for you to find the lowest price. I'd say that's true today in the cell phone industry. Not for your actual phone, but for the service. More true with it than most any other thing. They benefit from having you completely confused. I only get to see ads during football season, but during football season it's one ad after another after another after another. For T Mobile, AT&T Verizon, they are all trying to pull a game of three card money on you, trying to get you to think you're getting a deal when you're not and make the plan so confusing that your eyes are just losing focus trying to understand what you're signing up for. And that's by design. They want you to overpay. And there are a few things I want you to think about. You know, this is a back to basics that we're doing right now. This is one you have to hear repeatedly to get you to do it. If you by inertia are allowing any of the three bigs to abuse your wallet and you have not shopped your cell phone plan for you as an individual or for a family group or whatever. If you haven't shopped it in six months, I guarantee you you're paying too much. Not even a doubt in my mind. And something else that I've learned looking at data is a lot of us are paying for unlimited data on our cell phones when we barely use any. I love that since I switched to Google Fi, which is an interesting service to be with, I'll say from Google. It's one of the things that Google threw themselves in just a little teeny bit. They show me I can look right now on my phone and I can see through the billing cycle how much data each of us on my Google FI plan are using. And there's a data cap with Google Fi so it's important that you track. So we're not on unlimited plans because we didn't need an unlimited plan, except for my teenage son. For the rest of us, we use amazingly small amounts of data per month. So why pay for unlimited when we didn't need unlimited? That's just one example. But also being with one of the big three, you can have multiple ways to be with one of the big three. And that's because each of the big three own their own captive discount brands. Nobody has more discount brands than Verizon. I cannot understand their strategy to save my life. But Verizon is almost like GM forever ago. What was it that you say? A different kind of car for every different customer? Well, that's kind of how Verizon does it now. Just examples with Straight Talk and Visible and Total Wireless. They own these brands and you have Verizon service on these brands, but for a fraction of the cost of being with Verizon. T Mobile has a bunch of ones they own at and T's not done as much of this. They've got Cricket, but they haven't done a lot useful with Cricket and they don't have a lot of these other brands. But you can be with a captive one of their own brands and save a fortune or you can even go with an independent like I've done being with Google Fi. One of my daughters is with Visible and that's a Verizon owned brand. So I've got a couple of things for you. I have a phone plan finder tool where you can put in your situation. 1 line, 2 lines, 3, 4, 5. And figure out what are the advantages of being with this company versus this company versus that company. The goal is for an individual to save you $500 a year for a family plan to save you $1500 a year. And so the question is, who couldn't use 500 bucks back in their pocket or a family with 1500? It's possible just by not falling for all the malarkey from the AT&T Verizon and T Mobile ads. They may be cute, but they're not cute for your wallet.
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Listener
And you can find that tool@clark.com phone plan finder. We also have an article on the best phone plans which is constantly updated. We'll go to questions now. This one's kind of funny. This is from Joe in Georgia. Hi Clark. When you were talking about Amazon, did you say Amazon hall or Amazon H U L L?
- [27:44]
Clark Howard
Okay, Amazon Hull. I never thought I should have spelled it H A U L. So this is Amazon's competitive response to all the market share they're losing to Temu. And Shein. So what you do is you have to have the Amazon app to access it and then you type in the search box Hull and it takes you to the semi secret Amazon hall website or app where you see things that are crazy cheap and instead of being shipped in, if you're a Prime Member, in 1, 2 or 3 days, 2 weeks, 3 weeks, 10 days, 2 months, whatever. So if you absolutely want it in a short cycle, Amazon Hull H A U L is not for you. But if you want to get these ridiculously cheap prices, it's a great source. Now I have been looking repeatedly at the items available for sale on Amazon Hull and comparing them to what's available on Temu and Amazon's not there yet. TEMU is a much stronger competitor and Amazon's response so far is pretty weak. But with Amazon, give them time and Amazon Hull Hal will almost certainly be a very strong competitor to the Asian websites, both Shein and Temu.
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Listener
Dan in Ohio says, long time Clarky. I'm moving and selling my home. I hear ads for companies that will buy your house and you can just move. Are there legitimate companies that will give you a fair market price or is it better to list it with a real estate agent and sell it the old fashioned way?
- [29:34]
Clark Howard
Sedan for a while I could say, wow, this has changed. There's great opportunity selling to these websites that we're using algorithms to give you the opportunity to sell your home quick. No listings, no showings, nothing like that. You would just sell it to them, you'd move when you wanted to. You negotiate that as part of the deal and they were offering a near market price and what happened was they lost their shirts and I remember Zillow was in it for a while. Oh, the write offs they had to do.
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Listener
And you sold a place that way.
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Clark Howard
I sold a place not through Zillow but another one of these that doesn't do it anymore. I got a great price when I did it. At the time I did, people thought that they were going to be able to use, you know, historical averages and mathematical formulas and squeeze out a nice profit and make people happy, giving them a guaranteed purchase of their home and bam, you were out. They couldn't make it work. And so I'm trying to remember Open door and Offer Pad. Can you look? Are they both still around? While I'm talking about Dan's question, I.
- [30:53]
Listener
Know Offer Pad is.
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Clark Howard
Offer Pad is. The offers for survival are not as generous as they once were. Now there are others that particularly go after people who have a house that an elderly person may have moved into. So there's Open Door then. The other big one at that time was Offer Pad.
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Listener
Yeah, I know someone works for Offer Pad, actually.
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Clark Howard
Really? So I don't think either going to be as generous as they were during the frenzy of this activity, which really dates back four or five years when it was like a big buzz about this. There are still others out there making offers in addition to these two. A lot of them are looking for wounded duck kind of situations. An elderly person who's gone into assisted living, someone who's died. And so the heirs are trying to sell and they don't want to go through the hassle of fixing all the things that need to be repaired to put the house up for market. Those are offers from people who are willing to buy any house as long as the margin is good. They may be contractors themselves. They do the repairs, then they put the house on the market. They make money. You're not getting fair market price selling your home because they've got to have the profit incentive of buying the house as it is, doing the work and then scoring money on a flip. So if you're just a regular old house, it doesn't hurt you to get prices from companies like Offer Pad and Open Door and then see how they sound and look compared to what you've seen neighbors put similar houses for sale and what kind of prices they got for theirs. But if you ask me, I think you also bring in agents to talk to you about how they would market and what they would expect your house based on comps to sell for. Before you would sign up with one of these companies that say, okay, this is what we're offering you. You want it, when do you want to move? And you're done. Certainty is a nice thing, right?
- [33:12]
Listener
Darla in Texas says our car and house insurance is skyrocketing, but my teacher salary is not what can be done to decrease the cost. Do you have any company recommendations?
- [33:23]
Clark Howard
So there's no specific company, Darla, that I would recommend. I don't know where in Texas you live. I know that people in Houston and south of Houston along the coast are having the same kind of problems with homeowners insurance that people are having along the Florida coast. And I think more than anywhere, Louisiana is getting just clobbered with insurance availability for home insurance and the premiums. If you're not in Houston or south, then it's a matter of thoroughly shopping the market. There is no one IT company that I would say, oh, go there, you're going to get a lower price. And when you do shop, it's good to get a quote for auto and home and also auto or home with an insurer because there are times you will get a lower price doing what's called tying putting both insurance products together with a single insurer. But there are other circumstances that that combined discount isn't worth it. And you want to see what is it for a standalone from that company for auto, standalone for homeowners and from other companies as well. It's going to take you some time. Make sure Darla, you're quoting the same coverages. And if you can stand it, raise your deductible on your homeowners to the max. You're allowed to under your mortgage. And if you have a loan on your car, the highest deductible your loan company, your bank, credit union will allow you to have, which is usually on a car, the highest you're allowed to raise it under your auto loan is $1,000. But you want to confirm that homeowners as high as you can stand. You want to raise your deductible so you never make a claim on your homeowner's insurance except in a catastrophic situation, a catastrophic claim. And I want to thank you for making financial sacrifices to be a teacher, to be there for our kids and good luck with the shopping. Thank you very much for joining us. I'll be back at your service next week on Monday answering your questions about your wallet. And all weekend long you have our resources to serve you@Clark.com great deals for you@ClarkDeals.com and while you're at it, why don't you consider signing up for our free newsletters we offer that will help you over time take much better control of your wallet. Know what? We're devoted to you learning ways to save more, spend less and avoid getting ripped off. Have a great weekend.