02.28.25 Mindful Dining / Warning: Pseudo Health Insurance

Summary

The Clark Howard Podcast - Episode Summary: "Mindful Dining / Warning: Pseudo Health Insurance" (02.28.25)

Release Date: February 28, 2025

In this engaging episode of The Clark Howard Podcast, host Clark Howard delves into a variety of consumer-centric topics, ranging from the pervasive issue of smartphone addiction during dining to critical warnings about non-compliant health insurance plans. Alongside his co-host Krista, Clark addresses listener questions, offering valuable financial advice and insights to empower individuals in their personal finance journeys.

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1. Mindful Dining: Combating Smartphone Addiction

Timestamp: [05:03]

Clark Howard opens the episode by highlighting the growing trend of smartphone addiction, especially during meals. He observes that the ubiquitous presence of smartphones is detracting from genuine human interactions and the overall enjoyment of dining experiences.

Clark Howard [05:03]: "More and more and more people are staring at these addictive devices that we carry. No wonder there's this backlash that a small number of people are going back to flip phones to dumb phones because they don't like the way their life is being controlled by the smartphone."

Clark emphasizes the importance of being present during meals and encourages listeners to assess their own habits:

Clark Howard [05:03]: "What do you see? More and more and more and more people are staring at these addictive devices that we carry."

He further shares personal anecdotes about phone usage, including a scenario where he receives a notification about reduced phone usage during a vacation:

Clark Howard [05:03]: "My phone tells me every week if I'm using my phone more than I did the week before, less than I did the week before."

The discussion extends to the psychological impact of smartphones, suggesting that constant connectivity can hinder relaxation and mental well-being.

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2. Navigating TV Deals with Best Buy

Timestamp: [05:37]

In collaboration with Krista, Clark addresses listener Hoyle's query about the best time to purchase a 50-inch smart TV from retailers like Best Buy. Clark provides a comprehensive analysis of TV sales cycles, emphasizing the importance of timing purchases during specific periods to maximize savings.

Clark Howard [05:47]: "The calendar is really the most important indicator, more than anything else with TVs is buying in those inflection point periods when the retailers have all the door busters."

Clark advises waiting for major sale events such as Black Friday or the pre-Super Bowl period, where significant discounts are typically offered. He also highlights the utility of resources like ClarkDeals.com for tracking daily TV prices and identifying optimal buying opportunities.

Clark Howard [07:52]: "If your TV croaks and you can't wait till one of the normal sales periods when TVs are a real deal, then just watch the bargains that we publish at Clark Deals or any other bargain site to find deals available on the TVs."

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3. Listener Questions and Financial Advice

a. Evaluating Rental Property Investments

Timestamp: [07:52]

Bob from Oklahoma inquires about the viability of purchasing a $292,000 home as a rental property, contemplating a $100,000 down payment with an expected rental income of $2,100 per month. Clark scrutinizes the numbers, pointing out that the rental income falls below the 1% rule of thumb, which suggests that monthly rent should be approximately 1% of the purchase price to be a sound investment.

Clark Howard [08:16]: "This violates a lot of real estate. Investors aren't buying investment real estate right now to rent out because the threshold that makes a rental compelling is when the rent you can get per month is equal to about 1% of the purchase price."

After receiving additional information about the financing approach and concerns about using retirement funds, Clark advises against the investment, highlighting the financial imprudence of the proposed plan.

Clark Howard [10:02]: "This is not a compelling purchase that would make it worth doing all that taking money from a retirement account or anything like that. I would not do this."

b. Escaping a Costly Professional Association Contract

Timestamp: [10:22]

Kimberly from Pennsylvania shares her distressing experience with a professional association that contracted her to pay $1,000 monthly for 12 months, promising significant business growth and one-on-one coaching. Dissatisfied with the lack of results and dubious practices, Kimberly seeks advice on how to terminate the contract without incurring negative repercussions.

Clark empathizes with her situation, labeling it a classic lead generation scam. He advises settling the remaining balance to avoid further complications such as collections and credit damage. Additionally, Clark emphasizes the importance of obtaining a written release from the association upon payment.

Clark Howard [11:48]: "You need something in writing that the amount of money, whatever amount it is you agree to pay, is a full and complete release from them."

Clark also warns other listeners about the prevalence of such scams targeting small business owners, encouraging vigilance and informed decision-making.

c. Managing Credit Cards and Credit Scores

Timestamp: [20:16]

Michelle from Ohio seeks guidance on whether to close inactive credit card accounts to simplify her credit report and reduce the risk of fraud. With a strong credit history but multiple unused cards, Michelle is concerned about potential security breaches.

Clark advises a cautious approach, suggesting that Michelle monitor the impact on her credit score as she gradually closes inactive accounts. He emphasizes the importance of maintaining a healthy credit utilization ratio and cautions against making abrupt changes that could negatively affect her credit standing.

Clark Howard [20:56]: "If you want to close one, close it and see what happens. If there's any meaningful movement in your score after you close it, if there's not one, take another one that you haven't used in a good long time and close it."

d. Deceptive Extended Warranties in Vehicle Purchases

Timestamp: [22:40]

Mark from North Carolina recounts his experience with purchasing an extended warranty for his 2025 vehicle. The finance manager insisted on the warranty's necessity to maintain the powertrain coverage, which Mark later discovered to be misleading. Although he was able to cancel the warranty, the process was arduous and time-consuming.

Clark condemns the practice, labeling it as deceptive and profit-driven. He underscores the importance of understanding extended warranties as insurance products, which often come with significant profit margins but limited coverage.

Clark Howard [23:22]: "There’s so much profit in that piece of junk extended warranty because they’re not selling you the manufacturer's own, they're selling you some marketing outfits warranty because the profit margins are unreal on those."

Clark advises listeners to be vigilant during vehicle purchases, recommend canceling unwanted warranties within the allowed cooling-off period, and to thoroughly evaluate the necessity and value of such add-ons.

e. Choosing the Right Budgeting Apps

Timestamp: [24:19]

Gene from Louisiana asks for Clark's opinion on online money management tools like Mint and Rocket Money. Clark acknowledges the demise of Mint and discusses alternatives, pointing listeners to Clark.com for comprehensive reviews of various budgeting apps.

Clark Howard [24:39]: "There is no one size fits all. I mean if somebody feels like they just got no idea where their money goes every month, I’m a big advocate for YNAB."

Clark emphasizes that the effectiveness of a budgeting app depends on individual financial goals and habits, encouraging listeners to explore and select tools that best align with their personal financial management needs.

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4. Warning: The Rise of Pseudo Health Insurance Plans

Timestamp: [16:41]

In a crucial segment, Clark warns listeners about the emergence of non-compliant health insurance plans that may seem attractive due to their low premiums and minimal deductibles. He explains the stark differences between compliant and non-compliant plans, emphasizing that the latter often exclude coverage for serious medical conditions, making them inadequate substitutes for traditional health insurance.

Clark Howard [16:41]: "A non compliant plan can exclude people based on pre existing conditions or can exclude coverage specifically for a pre existing condition you have but cover other things."

Clark cautions consumers to be wary of these pseudo plans, advising them to prioritize comprehensive coverage despite higher premiums to ensure protection against significant health-related expenses.

Clark Howard [20:16]: "You compare, I mean you look at, a compliant plan, it’s going to have high deductibles you’ve got to meet, it’s going to have high premiums you have to pay. But then if something really bad happens to you, that’s covered, that’s the difference."

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5. Conclusion

Clark Howard concludes the episode by reiterating the importance of informed decision-making in personal finance. He encourages listeners to leverage resources like ClarkDeals.com and Clark.com for ongoing savings and financial empowerment. The episode serves as a comprehensive guide for consumers to navigate financial challenges, avoid common pitfalls, and make choices that lead to long-term financial well-being.

Clark Howard [25:33]: "Empowerment is available to you through knowledge around the clock. And that’s our deal is that you learn ways to save more and spend less and avoid getting ripped off."

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This episode of The Clark Howard Podcast offers a wealth of information and practical advice, addressing contemporary financial issues and providing listeners with the tools and knowledge to enhance their financial health and consumer awareness.

Transcript

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[Clark Howard]

Have I Got News for you is back for another season. Roy Wood Jr, Amber Ruffin and Michael Ian Black are finding the funny in the week's biggest stories. Have I Got News for you. Saturday at 9 on CN and stream next day on Max. It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. Now, money doesn't mean anything without your health. Your well being, your and having joy in life is so much a part of well being to me and there are so many things we're enjoying less and less for a simple reason. Later, something you got to know about health and that is a change you got to be on the lookout for with individual small group, small company health plans. So. Oh, wait a minute. What is this right here? Oh, oh, what was I doing? Oh, that's right. I got distracted by my cell phone. I was looking at it instead of talking to you. Just kidding. So want you to think about this next time you're at any kind of restaurant. From fast food to the fanciest ever. I want you to see if people are actually having a good time, if they're looking at each other, if they're telling stories, laughing, carrying on, or what are they doing? What do you see? More and more and more and more people are staring at these addictive devices that we carry. No wonder there's this backlash that a small number of people are going back to flip phones to dumb phones because they don't like the way their life is being controlled by the smartphone. It's like a conditioned response. Oh, I just got a vibration on my phone. I better see what did I get. Was that something on Instagram? Is that something on TikTok? Was it a text? What's going on? I got to see it. I mean, it's a strong addiction, and I think it's really affecting enjoyment. Think about if you're eating alone, you're eating that bowl or that burger or whatever it is you're having. If you're fully absorbed on your phone, I promise you don't remember enjoying your meal. And our minds, our minds benefit from just chilling. My phone tells me every week if I'm using my phone more than I did the week before, less than I did the week before. When Lane and I were on a vacation recently, I got a notice that I'd use my phone so much less that week. It was an hour and like 35 minutes less. I was like, man, I usually use my phone just way too much. And so I want you to think about how this Swiss army knife we carry. Why is it called Swiss Army Knife? Because think of all the different things the phone does. It's great. But then think about when it's too much of a good thing. And so one thing is the meals. And I remember us going to a friend's house for dinner, and they had a phone house. And before you sat down at the table, you had to check your phone into the house and leave it. It's something I've thought about ever since that meal, how nobody was suddenly being distracted by looking at their phone. No longer engaging with other people. What do you do at a dinner? Do you find that you pull your phone out and look?

[Krista]

No, if I'm dining with anybody else, No, I don't do that.

[Clark Howard]

How do you feel when that other person picks up the phone?

[Krista]

It doesn't usually happen when my kids are home. That's a thing.

[Clark Howard]

Well, I mean, just look at a restaurant and you'll see people out for what should be a time to really enjoy each other, if they enjoy each other's company.

[Krista]

Yeah. Well, that's another. That's another segment.

[Clark Howard]

You'll see so many people looking at that phone. What about you? Do you do that? Heal thyself. What's up, Krista?

[Krista]

All right. Well, Hoyle in North Carolina wrote in with this. What is the best buy on a 50 inch smart TV?

[Clark Howard]

Is this like Best Buy the retailer.

[Krista]

Or Best Buy on the best deal?

[Clark Howard]

Yeah. Okay, so TVs go on sale in cycles, and we just had a really good cycle leading up in the two weeks between the AFC NFC Championship game and the Super Bowl. And now who needs to watch a TV anyway? The deals are gone for now because they do come in waves. They come, you know, over Black Friday month, the month of November. They come very heavily in the lead up to the Super Bowl. During the summer there will be certain cycles because people aren't watching TV as much. You'll see a lot more clearance deals on TVs. 50 inch TV. The typical lead price on a 50 inch TV is $199. But during the sales cycles you'll see a 50 inch TV easily for like 129 bucks. So the calendar is really the most important indicator, more than anything else with TVs is buying in those inflection point periods when the retailers have all the door busters. Often, like for example, the super bowl pre super bowl sales on TVs are the season of TVs that are about to be replaced with the newest models. Doesn't mean there's anything wrong with them. The manufacturers make sweetheart deals to the retailers to have those move on. You shop around a lot for those TVs.

[Krista]

And I would definitely sign up for our Clark deals [e-mail] because they track TV prices every day.

[Clark Howard]

Yeah, they do a TV roundup of various sizes of TVs. And if your TV croaks and you can't wait till one of the normal sales periods when TVs are a real deal, then just watch the bargains that we publish at Clark Deals or any other bargain site to find deals available on the TVs.

[Krista]

Bob in Oklahoma says, how do I decide if buying rental property is right for my family? The opportunity in front of me is a $292,000 home that is move in ready and only a few years old. The thought is we could put $100,000 down on it. We have great credit in part to you, thanks to you. So we'd be looking at a payment of about $1600 all in. We could rent it out for $2100, according to Zillow.

[Clark Howard]

Thank you. It was the number I was looking for. Okay, so this violates a lot of real estate. Investors aren't buying investment real estate right now to rent out because the threshold that makes a rental compelling is when the rent you can get per month is equal to about 1% of the purchase price. The numbers you gave at 2100 purchase price just under 300,000. You're looking well below that 1% in return of rent at the numbers you gave. It wouldn't be a really bad investment. It just wouldn't be a remarkably lucrative investment having the Money you would have sunk into it versus a rent of, let's say Zillow's. Right. And that's a question. Getting 2100amonth would not be a rental. That I'd say, yippee, I can't wait to own that. On the other hand, if, if you own a rental for the long, long term, you own it for decades to come. The fact that it doesn't fit the 1% ratio will be taken care of over time by inflation.

[Krista]

There was more information that I think you should hear too from Bob that might make a difference in your answer.

[Clark Howard]

All right, let me hear.

[Krista]

He said the $500 in rent sounds good, but I'll still have to repay the $100,000 down payment. How do I know if this makes financial sense? We have a current mortgage of $167,000 and we're paying 5% interest on pay it off instead of getting the rental. All funds would be coming from our retirement. I'm a huge fan of the show and would appreciate any help you could provide.

[Clark Howard]

Okay, Bob, thank you for that additional. Because the first was the straight numbers, the circumstance of what you'd be doing, borrowing the money or pulling it from retirement accounts. This is not a compelling purchase that would make it worth doing all that taking money from a retirement account or anything like that. I would not do this.

[Krista]

Kimberly in Pennsylvania says help. I joined a quote unquote professional association that cost $1,000 a month. I signed a contract for 12 months stating I would pay that monthly using a credit card. The association kept on file after three months.

[Clark Howard]

Lead generation pitch.

[Krista]

After three months I realized this association was not helping me and my hard earned money was being wasted. They promised my business would grow by 20 to 50 new clients. It did not. They promised one on one coaching. I got that but they sucked. I tried my hardest to get the most from this professional group but I just couldn't wrap my head around spending $1,000 a month for what they promised me. Big results. This is my own company I own and I fell for the. We can help you make more money if you follow our advice.

[Clark Howard]

I'm really sorry.

[Krista]

I called and complained. I emailed to cancel. Finally they agreed to let me downgrade to to launch member and pay $500 a month for the remainder of my contract. Six more months. I know I was wrong for ever signing up for this or for signing anything, period. These quote unquote coaches make me anxious and it's just all too much smoke and mirrors. They finally agreed to let me Suspend my membership for three months and take a break. Since the break, I canceled the credit card they were charging monthly and blocked all their emails and calls. An email came through today that states if I don't start paying them again, they will send me to collections and blah, blah. Your credit will suffer. How do I get out of this cleanly?

[Clark Howard]

Kimberly, you're going to hate what I'm going to say. You can't just get out of this. And they did allow you to get ripped off at half the amount for the remaining months. I think you need to pay them the 3,000 bucks and be done with them. You need something in writing that the amount of money, whatever amount it is you agree to pay, is a full and complete release from them. That's got to be in writing. You have pointed out something that, I mean, I, I knew from almost the second sentence that this was one of those lead generation rip offs. These locusts appeal to small business owners that are trying to break out, you know, bring their business to a new level. And they do a song and dance about how they're experts at lead generation, getting you new clients, all the rest. And it's all a bunch of hooey. I'm not familiar with any that have really delivered on what they said. The way the contracts are written for these organizations, you don't have a leg to stand on saying, well, they failed to deliver services. The services are so fuzzy what they claim to offer, they can get away with saying, yeah, yeah, we did what we promised. We were going to do what the contract says. And yes, they can come after you with collections. They potentially can, depending on what you signed. If it pierces your corporate entity, ruin your credit, that could hurt you for years to come. The only you asked me how to get out cleanly. You got to sue for peace. You got to come up with an amount of money that you're willing to part with in return for a full release of commitment. And let me tell you, just by you asking this question, Kimberly, you're helping so many other business owners know about this. This is not a new scam. This scam in various forms has call it a scam. This ripoff has been around for so long, I can't even remember how long, at least three decades. So you are now getting the word out to others. But the best thing for you to do is limit the hurt to your wallet and be done with these people. I'm really sorry. Coming up ahead, I got something that small business owners need to be really alert to. Individual consumers really need to be alert to we are moving into a new era of pseudo health insurance that's going to leave a trail of tears.

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[Clark Howard]

The cost of health insurance when you have to buy it for yourself as an individual, you buy it for yourself. As a family, you buy it for your small business. It's shocking how much health coverage costs real health coverage. And the question is, why does it cost so much? Because the cost of medical care in the United States has been going up way beyond the general rate of inflation and almost all of it is hospital based charges. The general cost of health care has not trended any significant variance from general inflation except for in rare cases prescription drugs, but in all cases hospital care. And I've talked in the past about that. So what happens is health insurance directly reflects the extreme increase in costs for health care in the United States. So people are wheezing on those costs and that's made it possible for a lot of could call them shady operators, whatever to sell what are known as non compliant health insurance plans to individuals, couples, families, self employed companies, that sort of thing. Not big companies, but small companies that are looking at extremely high costs. So a compliant plan, just so you know, has to comply with the rules that Congress passed for what has to be covered in a health insurance plan. A non compliant plan can exclude people based on pre existing conditions or can exclude coverage specifically for a pre existing condition you have but cover other things. A non compliant plan will have things that look really good. They'll have visit charges or copays at a doctor that look really great. The premiums will be very low, the deductibles will be very low or non existent that you'll have to meet before coverage kicks in. And there is no free lunch here. What you'll find with a non compliant plan most often is that it will not cover a cancer, it will not cover heart failure, it will not cover liver failure. That when it comes to serious conditions with vital organs in your body, it's not covered. These plans cover just routine kind of visits for simple things. And that's why the premiums are like so low. And you compare, I mean you look at, at a compliant plan, it's going to have high deductibles you've got to meet, it's going to have high premiums you have to pay. But then if something really bad happens to you, that's covered, that's the difference. And that's what you need to be aware of when you are wheezing from very very high health insurance premiums is that the substitutes that are being touted may not be worth the tiny premiums that come with them.

[Krista]

Okay, we'll go to questions. Michelle in Ohio wrote, my credit rating history has been very favorable of late, maybe the last 10 years. It's ranged from the mid-700s to mid-800s. I do have quite a few credit cards, probably 8 to 10 as I like to play the 0% interest for 12 or 18 months. When I make more expensive purchases I do always pay them off. And right now I have four with balances with no interest. I'm wondering if I should clean up my credit report and fully close some of the cards, starting with the ones that are inactive without balances, will it matter much to my credit score? I'm not sure about the risks of hackers getting a hold of or accessing these cards. I also like the idea of having a much simpler credit report to manage.

[Clark Howard]

So, Michelle, you bring up a very interesting question. So if you look from a credit score standpoint, you leave all that stuff there, you don't close anything. But when you start looking at the risk of all the hacks and dishonest employee inside a bank or something like that, you got an old, it's not an inactive account, but one that's inactive for you. There is that risk of fraudulent activity that you then have the hassle with. So if you have an older card, you got tons of available credit, you have an older card that you've not actively been using in the last, let's say 24 months, you've not used it at all. If you want to close one, close it and see what happens. If there's any meaningful movement in your score after you close it, if there's not one, take another one that you haven't used in a good long time and close it. In other words, I'm not going to say to you all at once, oh yeah, go close four or five of those clean things up. You need to make sure you don't harm that good credit score you have by reducing, all in one fell swoop a great amount of your available credit and you'll see the pain point. What's the point? That you need to stop closing any more cards, but ones that have not been active for a significant period of time may actually be having less impact on your ratios or no impact on your ratios, which is the important part, besides paying your bills on time to having a great credit score.

[Krista]

Mark in North Carolina says, recently I purchased a 2025 vehicle. I got about 13 to 14% off before they tacked on the dock fee. A dock fee, not a bad deal for a top performer. When I got to the finance manager, he threw me curve. He said that unless I purchased the extended warranty, I would need to come there for all my vehicle services to keep the powertrain warranty valid.

[Clark Howard]

That's a big fat lie.

[Krista]

I think there's a federal law that says they can't require that. I ended up purchasing the warranty, but canceled it the next day after my mind cleared. It took me two and a half months to get my money back. But at least they were honest. I think this is something people should be aware of.

[Clark Howard]

Yeah. So there's so much profit in that piece of junk extended warranty because they're not selling you the manufacturer's own, they're selling you some marketing outfits warranty because the profit margins are unreal on those. They don't really cover anything. So that's an insurance product and you have to have a look period that depending on the state because insurance is regular by the states, Most commonly is 30 days to say I don't want that. And you have the right essentially to unwind it to turn the clock back when they sell you that junk. It was an abuse of you strong arming you into buying the extended warranty. I'm really glad you stood up for yourself, got it canceled and got that ill gotten theft of your money by that dealer back in your hands.

[Krista]

And this is from Gene in Louisiana. Hi Clark. I'm a longtime listener turned podcast watcher. Thanks to my dad. I hope I'm saying it right. Gasner, who used to listen to you when I was younger. My question is what are your thoughts about online money management tools like Mint or Rocket Money? Well, Mint is gone.

[Clark Howard]

Yeah, Mint's gone.

[Krista]

Ynab too. You need a budget.

[Clark Howard]

Yeah, Ynab, Rocket Money has right now we're at a point that a lot of these have fees and we've done some serious digging into these various budgeting tools and apps and we have very useful reviews for you for you to decide if one of these would work for what you're trying to accomplish or not and be worth the [e-mail] clark.com thank you. We'll have it right for you in our show notes because I'm looking at the link now. That is a long link. So we're going to have it there as a hyperlink. You can click to to review the various ones. And we have a specific review of Rocket Money. You can see that's a separate review right there.

[Krista]

And the main story is called the best budgeting apps.

[Clark Howard]

So you can see because there are different goals people have with a budgeting app or budgeting tool and there is no one. One size fits all. I mean if somebody feels like they just got no idea where their money goes every month, I'm a big advocate for ynab. You need a budget that does a really good job of coaching you to better money management habits. But there are a variety of things that these budgeting apps and tools are really good at. Better than one than another. That's why you need to read the reviews to see which one, if any, would be best for Eugene. And I hope you have a great rest of your day. It's Friday, so I hope your weekend in front of you is fantastic. Know that we do serve you all weekend long at the prior mentioned clark.com we also have deals for you all weekend long at ClarkDeals. Just know empowerment is available to you through knowledge around the clock. And that's our deal is that you learn ways to save more and spend less and avoid getting ripped off. And I'll see you on Monday.