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The Clark Howard Podcast
02.21.25 Clark Answers His Critics on Clark Stinks / Amazon Customer No-Service
00:38:27
Clark Answers His Critics on Clark Stinks / Amazon Customer No-Service
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- [00:00]
Clark Howard
I can say to my new Samsung.
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Co-host or Listener
Galaxy S25 Ultra, hey, find a keto friendly restaurant nearby and text it to Beth and Steve.
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Clark Howard
And it does without me lifting a.
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Co-host or Listener
Finger so I can get in more squats anywhere I can.
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Clark Howard
1, 2, 3.
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Co-host or Listener
Will that be cash or credit?
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Clark Howard
Credit.
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Co-host or Listener
4 Galaxy S25 Ultra the AI companion that does the heavy lifting so you can do. You get yours@samsung.com compatible with select apps. Requires Google Gemini account. Results may vary based on input. Check responses for accuracy. Imagine what's possible when learning doesn't get in the way of life at Capella University. Our game changing flexpath learning format lets.
- [00:38]
Clark Howard
You set your own deadline so you.
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Co-host or Listener
Can learn at a time and pace that works for you. It's an education you can tailor to your schedule.
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Clark Howard
That means you don't have to put your life on hold to pursue your professional goals.
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Co-host or Listener
Instead, enjoy learning your way and earn your degree without missing a beat. A different future is closer than you think with Capella University. Learn more at Capella. Edu. It's my pleasure to welcome you here to the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And it's Friday time for our Clark.
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Clark Howard
Stink segment every two weeks, much to.
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Co-host or Listener
The chagrin, we've received a lot of feedback. People are not having it. Huh?
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Clark Howard
Some people love it and some people hate it. Okay, they want it every week. Some people think it should be less.
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Co-host or Listener
Less than every other week.
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Clark Howard
If we get enough Clark Stink submitted to like, if we get so many that it makes sense for us to do it weekly, we'll go back to that.
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Co-host or Listener
Okay, I love that. All right. We're letting the marketplace decide. Speaking of the marketplace, Amazon, we're getting a lot more complaints about Amazon. And it's not like Amazon suddenly decided, woke up one day and said, you know, we're going to be a customer no service organization. But there are some changes behind the curtain at Amazon that have led to a lot of customer no service kind of issues. We're going to talk about that, why that's going on, what you need to know to get that Amazon customer experience you were used to, rather than what a lot of people are having now. But without further ado, it's time to hear where you got customer no service from me. Should have never encouraged you to speak. You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong.
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Clark Howard
Maybe I'm wrong.
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Co-host or Listener
Maybe you're Right, pal?
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Clark Howard
Clark stated that he recommends consumers with Christmas card debt set up a plan for paying off this debt over the next 10 months. What? I think it's time for Clark to embrace tough love. There is no excuse for paying credit card interest for 10 months for Christmas presents. I realize that times are tough for many, but credit card interest will only make tough times even worse for his listeners that make this critical financial mistake. Tell it like it is. There is no benefit to sugarcoating this mistake. Jim.
- [03:17]
Co-host or Listener
Jim, I appreciate that. And yes, taking out credit card debt or doing instant credit at a store or paying for the store to load up on Christmas gifts and then end up with debt that goes, gosh, how many people are still paying off Christmas? Not 24, but 23 tens of millions of people still paying off Christmas prior. So when you hear me talk about, you know, if you've got this, I want you to tackle it and I want you to pay it off. Why would I talk incremental instead of, as you said, tough love? Get this debt out of your life right now. Because a lot of times it's all about changing somebody's habits. So many people who have credit card debt, and particularly the worst is store cards, they're just servicing minimum payments. So I'm trying to create a new thought process in somebody's mind that that's not going to get it done, that you need to have a goal in mind and with the other expenses you already have, I want you to make whatever changes you have to make so that you set a goal of being on a path to pay off debt within a set period of time. So this is really a behavioral thing I'm talking about, is creating a new positive habit replacing one that is a real problem when debt just goes on and on and on for, dare I say, buying Christmas gifts when you don't have the money and just running them up on cards or paying for store junk credit is a want, it's not a need. And there are so many other ways you can show your love for somebody at Christmas rather than borrowing money.
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Clark Howard
Your advice stunk worse than a backed up septic system.
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Co-host or Listener
Those really smell.
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Clark Howard
Someone asked if he should sell his house and take the money from his retirement account to buy a much larger home for his parents and adult children to live with him. I was surprised you did not suggest he check his zoning laws and build an accessory dwelling unit onto his property for his adult son. He could build an apartment above the detached garage or current house or he could build a ground level addition for the in laws, both would cost significantly less than selling his home with a 3.5% mortgage and pulling from retirement. Twenty years ago, after my grandfather had a heart attack, my parents built an addition on their home for the grandparents. All four grandparents have cycled through this wise investment that has more than paid for itself with peace of mind for aging parents Chelsea. And Chelsea represents many people who wrote him with the same kind of thing. Like you should have suggested renovation rather.
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Co-host or Listener
Than addition adu garage apartment places where their basements basement apartments. Yeah, that was a fail on my part because even though the cost of construction of adding an addition is more expensive than buying something that's as you want to have it if you need more space because of the long term carry cost of giving up that ultra low mortgage, it was my fail to not mention that as an alternative strategy.
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Clark Howard
Your vacuous answer left an odor worse than a wet shop vac after cleaning out a sewer drain. Renee left you a perfect opportunity to teach us about a topic that has rarely made it to air, proxy voting. And you dropped the ball. Instead of indulging us with what proxy voting is, why would we would or wouldn't want to vote, why what the process is and what kind of difference it makes, you chose to instead revel in your utter disinterest in the entire process. And Krista, you let him off the hook. Here's your chance to make it right. Clark, thank you for all you and your team does even when the answers don't live up to the Clarkey standard.
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Co-host or Listener
Greg so Greg, all right. Yeah, I was really dismissive about the whole proxy voting thing and the reason is that it's a blind spot for me because how do I invest? I do everything through index funds. So as an index fund investor, the proxies I have are really not worth anything in terms of a proxy fight at an individual company. And so that was a blind spot failure on my part. The idea of proxy fights proxy battles could be over change of control for an organization, tossing out management, what positions they take on various things at a company that could matter to you. So if you own stock in individual companies, which I don't, that would be a reason for you to check out that proxy and decide whether or not to vote.
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Clark Howard
I would stand down with next to Clark anytime as he doesn't stink. However, I found his information about the Chase Preferred card stunk so I researched it. The Chase Sapphire Preferred does have a primary insurance similar to the reserve, though their coverage differs. I confirmed this at the official Chase Sapphire Car rental Insurance guide linked below. I was initially worried I had been using the wrong card all this time, but I'm glad I verified it. I hope this hasn't changed in some legal code somewhere and look forward to the Clark stinks on this subject. Colin.
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Co-host or Listener
Colin, thank you. Let me tell you what we're going to do because I can't tell you how confusing this has been. And even reading the coverage for the Chase Sapphire Preferred, which is a very, as far as travel cards go, a very reasonable annual fee, 95, 99, something like that, and the Chase Sapphire Reserve, which has a very, very clear, comprehensive car rental coverage. I think we need to have one of Our researchers@Clark.com get to the bottom of this and get a clear answer. Also unequivocal from Chase on what are the differences in the car rental coverage with the Chase Sapphire Preferred and Chase Sapphire Reserve.
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Clark Howard
We had Nick on our team has already contacted.
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Co-host or Listener
No, really.
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Clark Howard
But on this guide it does say Chase Sapphire Preferred provides coverage up to the actual cash value of the vehicle but excludes certain expensive and exotic vehicles. Chase Sapphire Reserve provides rental coverage up to $75,000 and does not exclude expensive or exotic vehicles. Both cards have additional limitations and then they go through them. Okay, we'll get an answer.
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Co-host or Listener
We're going to get a firm answer on this because this has been a very high interest to people, obviously.
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Clark Howard
Mr. Howard.
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Co-host or Listener
Oh, no.
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Clark Howard
Your presence is requested in the principal's office for your failing grade. You've heard that before, right?
- [10:19]
Co-host or Listener
Yes, yes. I spent a lot of time on academic probation in high school, if you must know.
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Clark Howard
You've repeatedly told people when traveling abroad to use public WI fi wherever possible. On one of your latest shows, you told people to never use public WI fi. Well, which is it? In fairness, it was because your answer was incomplete that made you stink. It would have been a good idea to spend more time explaining how, how to protect yourself using public WI fi, for example, installing a vpn, which we did have someone talk about. Please spend a little more time on the topic and explain the difference. Sean.
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Co-host or Listener
Sean. Thank you. Okay, so vpn. And don't just use any old free vpn you find that can be a recipe for more trouble. But a virtual private network creates a safe environment for using public WI fi. Most people never get a vpn, use public WI fi and leave themselves wide open. The thing about the public WI fi overseas, and this is, this is where I've talked out of both sides of my mouth, is that most people don't have a decent data plan outside the United States on a cell phone and you're left having to use public WI fi as a way to protect your wallet. So you need to protect your identity and everything else and your wallet by having a VPN when you do use public WI fi. There are lots of good tech articles on how to choose a VPN and which ones are the safest and most.
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Clark Howard
Secure Clark discussed charities not accepting small donations via credit card. He speculated about the overhead and other possible reasons, but I think he missed the stinkiest reason. Thieves often attempt to make very small credit card donations to charities to see if the card number is valid. They hope the owner will not notice the very small amount. I had this happen to me at least twice. The charities may well refuse these small credit card donations because so many of them wind up being declared as fraud and reversed. And I think there are penalties for merchants if too many charges are challenged.
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Co-host or Listener
Benjamin Benjamin, that's diabolical and apparently also true. And thank you for pointing that out that it's not necessarily about the merchant fees that the charity has to pay, it's that they're being used as part of criminals seeing if a number still works the other way. That happens if you notice somebody trying to do pay at the pump at a gas station with your number and they're getting an approval code there, it's for the same reason to then try to use your card for big purchases somewhere else.
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Clark Howard
You provide excellent information on a wide range of topics that affects nearly everyone's bottom line. However, your I need to look for a new job because I'm getting underpaid smells a little off. Agriculturally speaking, I'd say it smells as if bacon is very inexpensive in the immediate area of your answer. A lot of employees, particularly younger employees, seem convinced that if you're not late for work or you do not skip work very often, one ought to be in the fast lane for raises and promotions. I really think you ought to provide more guidance as to what is typically expected for those that would like to be considered for the best candidate for promotions, et cetera. For example, learn by doing your job and helping your colleagues by assisting them how to do the jobs of those in parallel positions as well as those just above and below you, or being the most helpful and valuable team member, et cetera. As another example. Therefore, putting the extra time and effort should make you the preferred candidate for a big raise or a promotion. If not, you're at the wrong company.
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Co-host or Listener
Bill Bill thank you. I hear your frustration particularly often with younger workers and a lot of people who came into the workforce during COVID missed a lot of the nonverbal signals and other things about what's involved in not just surviving at a workplace, but advancing at a workplace. And it's not just putting in your time. You made that point with great frustration by what you've seen in other workers who expect just to move on up and get promotions and more pay. And you have to separate yourself from the herd if you want to advance quickly.
- [14:46]
Clark Howard
Series I savings Bonds are a Lousy deal Investors are much better off buying tips given today's yields. Tips, for instance, offer an inflation adjusted yield of about 2.2%. Series I savings bonds fixed rate, which is the comparable rate, is just 1.2%. Clark should stop speaking highly of Series I savings bonds and discuss the solid deal TIP SAR today.
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Co-host or Listener
Mike Mike thank you. And for those of you don't know, treasury inflation protected securities these are generally more sophisticated things to buy. You have tax planning you have to do with tips. You can buy a TIPS fund instead of buying TIPS directly. There's a lot of versatility with them, but they are for a generally a different kind of saver than a Series I savings bond. But your you're right on the money. I do own TIPS myself inside a retirement account and TIPS fund inside a retirement account, so I know the value of them. But they are something that requires more understanding than Series I savings bonds.
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Clark Howard
Hey Clark, this is not so much a Clark stinks, but it's related to some advice that you provided to your listeners, two of which are my wife and me. You educated us on a scam where a scammer calls you pretending to be a jail or detention center, expressing that you need to agree to pay for a call from someone we know who's in the jail. Funny enough or not. Three days later we both received calls from a local jail requesting that we pay for a call from our son who was supposedly in jail. Throughout the night. We both received them constantly to the point that I told my wife, let's turn off our phones. Long story short, something told us to check on our son the next morning. Sure as the world we could not reach him and through much effort we discovered that he was in fact in jail. No, no, I won't go into details other than to say that he made a stupid life learning type of mistake and enjoyed a night and a half and a day in jail. All is well now. He learned from the mistake and we often get a chuckle out of the irony that we went through this directly after your advice and information it just goes to show us all that the scams and evil that goes on in this world does require us to keep our head on a swivel and always try to do our best to do what's right. Thank you for all that you and the team do, Gus.
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Co-host or Listener
I didn't know this was going that direction. Wow. Okay. I hope that the life lesson takes for your son and I'm really sorry he found himself in that situation.
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Clark Howard
I've read online and listened to your podcasts about checking prescription drug prices. You've listed several places, but the one place I don't recall seeing any info about is Amazon Pharmacy. They have a program called RX Pass that costs $5 a month and gets you access to 50 plus common generic drugs. No matter how many of these drugs you buy, it's not available yet in every state, but it is in many. I just switched to it and I'm one happy pill popper. Michael.
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Co-host or Listener
Michael, congratulations to you. Amazon bought a prescription drug company and is more and more heavily marketing it, trying to find what are the best ways to get adoption. Because a lot of Amazon members, prime members, are already in a habit of buying prescriptions this way, that way, the other way. And Amazon is trying to get market share in this field. And so Amazon is trying to come up with an overall medical strategy. I've talked before about what's now labeled Amazon one medical for medical care. And as part of that they're trying to incorporate more and more usage of the Amazon pharmacy. And Amazon does some very clever things about how the pills come packed for you that make it easier to remember to take your meds and stuff like that. And I love that yet another competitor is coming in and Walgreens just had to suspend its dividends. The era of the Walgreens CVS thing charging people to the moon for prescription drugs is really over and the marketplace is offering a lot more choices. Amazon one of those. And speaking of Amazon, we're going to talk about why people are having more customer no service issues at Amazon now. And it's not that Amazon became a big bad retailer, but you need to understand why and how to look out for potential trouble before it happens to you. This episode is brought to you by Discover. Hey listeners, bet you didn't know that Discover is accepted at 99% of places that take credit cards nationwide. You know what's a little less accepted? Taking financial advice from random usernames and avatars you found on some forum. That's just sketchy. No offense to all the finance bros out there on the Internet, based on the February 2024 Nielsen report. Learn more at discover.com credit card My dad works in B2B marketing.
- [19:56]
Clark Howard
He came by my school for Career Day and said he was a big roas man. Then he told everyone how much he loved calculating his return on ad spend. My friends still laugh at me to this day.
- [20:08]
Co-host or Listener
Not everyone gets B2B, but with LinkedIn you'll be able to reach people who do. Get $100 credit on your next ad campaign. Go to LinkedIn.com results to claim your credit. That's LinkedIn.com results. Terms and conditions apply. LinkedIn the place to Be To Be this episode is brought to you by Amazon Business.
- [20:28]
Clark Howard
We could All Use More Time Amazon Business offers smart business buying solutions so.
- [20:33]
Co-host or Listener
You can spend more time growing your business and less time doing the admin. I can see why they call it smart.
- [20:38]
Clark Howard
Learn more@amazonbusiness.com.
- [20:43]
Co-host or Listener
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- [20:45]
Clark Howard
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- [20:47]
Co-host or Listener
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- [20:52]
Clark Howard
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- [20:55]
Co-host or Listener
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- [21:04]
Clark Howard
Strayer University is certified to operate in.
- [21:06]
Co-host or Listener
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- [21:08]
Clark Howard
Including at 2121 15th Street north in Arlington, Virginia. Get the Angel Reese Special at McDonald's. Now let's break it down. My favorite barbecue sauce, American cheese, crispy bacon, pickles, onions and a sesame seed bun of course. And don't forget the fries and a drink. Sound good?
- [21:26]
Co-host or Listener
I participate in restaurants for a limited time, so Amazon right in front of us has dramatically changed what business it's in. Amazon now is becoming a fulfillment house. What's a fulfillment house? It's an old term in delivery. It's where somebody provides delivery for another business and in Amazon's case goes way past that. They market through Amazon, they sell through Amazon. They have Amazon store their items in Amazon's warehouse. Many cases Amazon has the delivery responsibility. All that. But what is different now is we're pushing 80 plus percent of items being sold on Amazon are not being sold by Amazon. They're just doing all the things I just talked about. And so now Amazon is doing a little bit better job disclosing to you up front who the seller is. And there's something else there too. What's the return policy? The blanket kind of customer friendly return policy you have been used to as an Amazon loyalist doesn't work that way anymore. Individual sellers on Amazon choose how they're going to deal with you when there's a problem or you wish to return. So it is an inflection point with shopping at Amazon that you've got another step you need to do before you click to buy something. I'll share with you a personal story. I bought a new blanket on Amazon and I knew it was with a third party seller. It's one that there's like a zillion reviews on. So I did what I do at my to my eyes glaze over. I read reviews, passed on two others, bought this other blanket and the blanket came incredibly filthy, dirty with some kind of chemical dripping out of it. I don't know if it happened in the Amazon warehouse, I don't know if it happened with the Amazon delivery, have no idea. But what did I have to do? I had to to write in why I wanted to replace the item, had to have an approval. There was a form I did and then I had to take it to a whole paycheck that is Whole Foods and go to the Amazon return thing, wait in line and return the item. And the smell this thing had was nasty. This some kind of awful chemical smell that it discolored the blanket.
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Clark Howard
That's disgusting.
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Co-host or Listener
Oh I know. And I said to the very nice Amazon person working there, I said you need to put gloves on before you take this from me. She said what is that smell? I said I have no idea. And so she, she got this thing that she was able to wrap it in without her touching it. She didn't have gloves but she went through this protocol for hazardous stuff. So it went back and then a new blanket showed up. It's perfectly fine. But, but you know, in the old days what would Amazon has said they would said dispose of it. We don't want it back. Right?
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Clark Howard
Yeah.
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Co-host or Listener
But because we're in this new era of things coming from third party sellers, all bets are off on what the rules are going to be. And with Amazon's discount house we've talked about that is their way of competing against Xi'an and Temu. The rules are all over the board on whether you all sales are final or you have a right to return an item or anything like that. So just be more aware of this. And it didn't cost me anything other than my time to return it. I did get some of that chemical on my hands. Did I clean them well afterwards? But who knows what it was and how it got there, man.
- [25:39]
Clark Howard
Yeah, that's pretty Gross. Owen in Wisconsin says Clark I just wanted to share my horror story using Amazon's delivery day option. The last three times I've used this option when checking out my package has not actually shown up on the specified delivery day. Instead, Amazon provides me empty shipping information in the app's tracking. Every time this has happened, I've called Customer no service and it truly lives up to the name. It's the same story. My package will be several days late and the customer service rep says we do not know the location of the package. We handed it off to the carrier. I then asked them who the carrier is. It's Amazon. So they hand the package off to themselves and somehow they can't tell me where it is for days and days. And on the flip side, the Amazon delivery day credits are almost a scam. They make it so hard to find your delivery day credit balance. I found the link after digging on Reddit.
- [26:29]
Co-host or Listener
Is it simple?
- [26:30]
Clark Howard
Amazon.com norushcredits I've been an Amazon customer for 20 years. It was the first store I bought something from online and now I'm likely to cancel my prime subscription.
- [26:41]
Co-host or Listener
Okay, so this is so weird. This post ties right into what I was just talking about. Again, Amazon is only operating as fulfillment for over 80% of the stuff being sold on Amazon. So they'll have low value items or low margin items where they sell to the seller an ultra low cost fulfillment of delivery. And so you'll see now more and more people showing up in their own private car delivering for Amazon. You'll see people in an old delivery truck that looks like it's had a long, long rough life delivering. And they're not in Amazon uniforms or anything like that. So what you're seeing is not necessarily because you did the lower cost delivery day thing. It's happening more and more even for somebody who does normal delivery. And Amazon really does lose track of what happens to these items and how and when they get to you.
- [27:47]
Clark Howard
Tara in California says we're getting ready to buy a new car. We have my 2018 Toyota Camry that has a couple of small dings and the mileage is just under 4:45,500 miles. We want to buy a brand new car, 2025 Camry, which is a hybrid because it isn't that much more than a used car which we normally buy. We plan on owning it for at least 10 years. We're paying cash. How can we get the best deal on trading in my current car and on the new one?
- [28:12]
Co-host or Listener
Great question. You like to keep a car, 10 years. So it seems to me you got some more years in this 2018 Camry. If that's your normal pattern, you've got like no miles on it. I mean, that's not even at an elementary school yet for a Toyota at 45,000 miles. They just go and go and go generally. But if you want to ditch it, get a 20, 25 hybrid Camry. Toyota is having more success selling vehicles generally than just about anybody else. So first of all, buying any brand. When you're getting rid of a vehicle, I've got specific processes I want you to go through getting the best deal on that 2018 you're getting rid of. That is a highly desired vehicle as a Toyota Camry with such low miles and the age it has on it. So I want you to get a price from Carvana on it. Once you get a price from CarMax, I want you to know what it's worth just selling it separately from trading it in. Then you've got a ballpark on if you are negotiating with the dealer. And remember, you negotiate online. Read my guide, how to buy a new Car, how you do not go to the dealer for anything except to take delivery of your vehicle. Very important. You make the deal on the new vehicle. Then they say, well, do you have a trade in? Do you have a trade in? You say, well, we were going to sell it to Carvana because they gave us this great price. Give them a chance because you've already negotiated the price on the new Camry hybrid you want. You then give them a chance to beat what you're being offered by CarMax, Carvana or some other place, you got a we buy any vehicle kind of thing. And then, you know, whether you treat it as a separate transaction, buying one place, selling somewhere else, or you do it all in one, but you must know your price on the new one so they don't play any weird games with you. Inflating that and inflating supposedly the value of your trade at with the Camry. The wider you shop for that Camry hybrid, because of how well Toyota dealers are doing, the more money you'll save. What's your pain point? Going 200 miles for that, 500 miles for it, 1000? Or is 20 miles the furthest you want to go? The further you're willing to travel for this vehicle you'll own for 10 years to buy it, the cheaper price you'll get. And you can shop online to see what you can get on the model you want the version of the Camry hybrid. At various Toyota dealers and I know.
- [31:02]
Clark Howard
In some states just consideration for the trade in you want to calculate too. I don't know if California is one of them. If you trade your vehicle and it.
- [31:10]
Co-host or Listener
Will reduce tax, pay less sales tax on the purchase. Very good point. One other thing, California equals your Costco member. Get the price from the Costco Toyota dealer, whoever Costco has their relationship with. The whole idea that no games, no gimmicks, no cons when you buy a new vehicle through the Costco car buying.
- [31:33]
Clark Howard
Program Justin in Georgia says I want to share an unfortunate story so others can be protected during a vulnerable time. I've been looking to change careers using job websites and recruiters. When that wasn't working, I started getting desperate. Over the holidays I was enticed into a resume writing service from an email advertisement. I was led to believe this group would help me get my resume fixed and help me apply for jobs. Unfortunately, I paid for their services believing the hype. The results have been so disappointing. I've been attempting to get my money back but their customer service is non existent and their terms and conditions have a no refund policy despite not delivering all the promised services. I've been fighting with my credit card company to hear me out, but it's looking like just the company's terms and conditions are going to win over poor results. In gathering evidence for my dispute, I looked at reviews for this company and they are abysmal. An FBBB rating and a one star on most review sites like Yelp. I was desperate and embarrassed that I even have to write this. I hope this gets shared to not let someone take advantage of your desperation. Read reviews first. Thanks for all your team does. Please protect yourselves Justin.
- [32:41]
Co-host or Listener
At a time that you really needed that new opportunity, you got scammed and I'm so very sorry about this. I would say that this also goes in Clark stinks because I did a story about this on television in the markets that people see me on tv, but we never covered this on the podcast about all the scamsters that take advantage of you on job search and with people who say hey, we're going to teach you tricks. They're going to get your resume just where it's going to shine and you're going to be seen where you wouldn't be seen otherwise. And in many cases they are, as we discovered on tv, just straight out ripoff artists taking your money at a time that you really need that money. Do not beat yourself up Justin. This is a thing that's happened to a lot of people. You have done a great service to your fellow listener and YouTube viewer by talking about this and I hope that you will find that next opportunity you're looking for. Get back out there and search and work contacts, network with everybody you can. And I hope that next opportunity does come along. So this concludes today's episode in this week's podcast lineup. I want to thank you so much for joining us and and I want to tell you how much that my goal is for us all to be part of Team Clark, sharing things with each other like you heard over and over again in Today's podcast and YouTube show about ways that we protect each other. We share key information with each other that helps us be better in control of our own wallet. This is all about you learning ways to save more and spend less. Certainly avoid getting ripped off. I hope that your weekend is a wonderful weekend and if you don't subscribe yet to our newsletters, I am so proud of the content and the editing of our Clark Newsletter and our Clark Deals newsletter. Both are free. You can see what we've got available to you@clark.com newsletters and we'll see you Monday on the podcast and YouTube show.