03.26.25 Top SCAMS / Again With The Gift Cards

Summary

The Clark Howard Podcast – Episode Summary Title: Top SCAMS / Again With The Gift Cards
Release Date: March 26, 2025

---

Introduction

In this episode of The Clark Howard Podcast, host Clark Howard delves into prevalent scams affecting consumers today and shares his unyielding frustration with gift cards. Throughout the show, Clark addresses listener questions, provides actionable financial advice, and offers insights into safeguarding personal finances.

---

1. Understanding and Combating Current Scams

Timestamp: [01:05]

Clark Howard kicks off the discussion by emphasizing the importance of staying vigilant against evolving scams. He outlines the most prevalent scams based on recent Federal Trade Commission (FTC) data:

• Payment App Scams: Currently the largest source of scam-related financial losses. Clark warns, "Criminals really have the ability to get in your wallet," emphasizing the irreversible nature of these frauds once the money is sent.

• Investment Scams: Ranking second, these scams continue to deceive individuals seeking profitable opportunities.

• Employment Scams: With rising unemployment rates, Clark anticipates that job-related scams will become the top scam area by the end of the year. He notes, "When unemployment rises, so do the employment scams," highlighting the opportunistic nature of scammers.

• Social Media Scams: Previously the most common, these have seen a decline but remain a significant threat.

• Youth Vulnerability: Clark points out that individuals in their teens and twenties are increasingly susceptible due to their perception of virtual friendships. "Friends nowadays can be people you've never met in person," he explains, making younger individuals prime targets for prolonged scams.

Innovative Scam Detection Tools

Timestamp: [05:15]

Clark introduces a new tool developed by Google for Android users: an AI-powered scam detection feature in messaging apps. This tool analyzes message patterns to identify potential scams without recording conversations. He remarks, "Google's AI tool... alerts you to be on your guard," underscoring the collaborative efforts between tech companies and financial institutions to combat fraud.

---

2. Listener Questions and Expert Advice

a. Solo 401(k) for the Self-Employed

Timestamp: [06:55]

Question from Joe, Massachusetts:
"Could Clark talk about Solo 401k? What exactly is this and how much and where to set one up? I'm self-employed without employees."

Clark's Response:
Clark enthusiastically endorses Solo 401(k) plans for self-employed individuals. "I have loved solo or self employed 401ks for a long, long time," he states. He recommends reputable providers like Vanguard, Schwab, and Fidelity, highlighting the high contribution limits—up to $23,500 annually, with catch-up contributions available for those over 50. For highly profitable businesses, contributions can soar to around $70,000, allowing substantial tax sheltering. Clark advises avoiding full commission brokerages or banks due to higher administrative costs and investment expenses.

b. Auto Insurance and Liability Protection

Timestamp: [09:06]

Question from Dan, Florida:
"Should I change my child's car title and insurance to protect myself from liability claims?"

Clark's Response:
Clark clarifies that transferring the vehicle title and insurance to a child does not necessarily shield parents from liability. "If a parent provides more than 50% of the financial support to a child, in most states, the parent is still liable," he explains. Drawing from legal insights, Clark advises maintaining adequate liability coverage and considering an umbrella policy for additional protection. He recounts a case where a Florida surgeon was financially devastated by a liability claim despite state minimums, underscoring the necessity of comprehensive coverage.

c. Stacking Discounts on Gas Purchases

Timestamp: [11:50]

Listener from Missouri:
Shares personal success in stacking Walmart Plus discounts with Sam's Club MasterCard benefits to receive double discounts at gas stations, specifically Murphy gas stations.

Clark's Confirmation:
Clark verifies the effectiveness of this strategy. "If you are both a Walmart Plus and Sam's Club MasterCard cardholder, you get the double stack," he confirms. He praises listeners for taking advantage of such deals, allowing them to maximize savings at already discounted gas stations.

d. Protecting Retirement Savings While Caring for an Elderly Parent

Timestamp: [18:47]

Question from Kay, Washington:
"How can my father-in-law protect his retirement savings while caring for my mother-in-law diagnosed with Alzheimer's?"

Clark's Response:
Expressing empathy, Clark stresses the urgency of consulting an elder law attorney specialized in Medicaid planning. "Arizona is an unusually expensive state for long-term care," he notes, suggesting exploring more affordable options in neighboring states like New Mexico or Utah. He emphasizes the importance of professional legal guidance to navigate Medicaid spend-down rules without depleting essential retirement funds, ensuring financial security for caregivers.

e. Balancing Retirement Savings and Emergency Funds

Timestamp: [22:20]

Question from Andrew, Iowa:
"Is it safe to have a portion of our emergency funds invested in the stock market?"

Clark's Response:
Clark advises against investing emergency funds in volatile assets like stocks. "I would rather you put your emphasis moving forward on not putting money more in the stocks," he recommends. Instead, he suggests increasing the cash reserve to cover at least three to six months of living expenses, favoring money market funds for liquidity and safety. Clark commends Andrew and his wife for their disciplined approach but encourages prioritizing accessible savings over investment for emergencies.

---

3. Fun Segment: NFL Quarterbacks GOAT

Timestamp: [24:28]

Question from James, Alabama:
"Who is the greatest NFL quarterback of all time?"

Clark's Response:
Clark humorously grapples with the "Greatest of All Time" (GOAT) quarterback debate. He playfully mentions Joe Namath and Tom Brady, ultimately leaning towards Brady due to his seven Super Bowl rings and relentless work ethic. "He worked at it and now he does a good job," Clark concludes, highlighting the importance of dedication and excellence in achieving greatness.

---

4. Trend Alert: Americans Desire Larger TVs

Timestamp: [25:42]

Clark touches upon the growing consumer trend for larger television screens. An article cited reveals a strong preference among Americans for big-screen TVs, with 65-inch models becoming increasingly popular. He mentions that deals typically range from a couple of hundred to $300, making larger sizes more accessible. Clark also notes that ClarkDeals.com regularly features TV deals, aiding listeners in making cost-effective purchases.

---

5. The Great Gift Card Grievance

Timestamp: [13:45]

Clark passionately voices his disdain for gift cards, particularly in light of economic downturns causing retailer and restaurant closures. "When the economy shifts, retailers and restaurants close, and your gift cards become worthless," he laments, referencing the collapse of over 800 Joanne stores. Clark warns listeners to exercise caution when purchasing or receiving gift cards, as they can lose value unexpectedly due to business failures. He contrasts this with the reliability of cash, emphasizing its universal acceptance and stability.

---

Conclusion and Resources

Clark wraps up the episode by reiterating his commitment to empowering listeners with financial advice and resources. He highlights the availability of free one-on-one advice through the Clark Consumer Action Center, accessible at clark.com/cac. Additionally, he encourages listeners to subscribe to the Clark Howard Newsletter for daily insights and tips on saving more, spending less, and avoiding financial pitfalls.

---

Notable Quotes

• On Scams:
  "Criminals really have the ability to get in your wallet." [01:05]

• On Solo 401(k):
  "If your business is extremely profitable, you're allowed to put in money all the way up to the mid-60s where you're able to shelter it in the Solo 401K." [07:14]

• On Liability Protection:
  "If a parent provides more than 50% of the financial support to a child, in most states, the parent is still liable." [09:35]

• On Emergency Funds:
  "I would rather you put your emphasis moving forward on not putting money more in the stocks." [23:15]

• On Gift Cards:
  "Cash money is actually money—money, paper money that is good wherever you go and doesn't go out of business." [13:45]

---

Additional Resources

• Clark Consumer Action Center:
  clark.com/cac

• Clark Newsletter:
  Subscribe at clark.com/newsletter

• Elder Law Attorney Information:
  Clark mentioned that show notes will include links to elder law attorney resources for Arizona.

• TV Deals:
  Visit ClarkDeals.com for the latest television discounts and offers.

---

Stay informed, protect your finances, and make smarter decisions with Clark Howard’s expert advice. Remember, save more, spend less, avoid getting ripped off.

Transcript

[Eduardo]

Imagine what's possible when learning doesn't get in the way of life. At Capella University. Our game changing flexpath learning format lets you set your own deadline so you can learn at a time and pace that works for you. It's an education you can tailor to your schedule. That means you don't have to put your life on hold to pursue your professional goals. 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 Eduardo Ryan Reynolds.

[Ryan Reynolds]

Here from Mint Mobile with a message for everyone Paying Big Wireless Way too much. Please, for the love of everything good in this world, stop with Mint. You can get premium wireless for just $15 a month. Of course, if you enjoy overpaying, no judgments. But that's weird. Okay, one judgment anyway. Give it a [e-mail] Switch upfront payment.

[Unknown]

Of $45 for three month plan equivalent to $15 per month required intro rate first three months only, then full price plan options available, taxes and fees extra. See full [e-mail] foreign.

[Clark Howard]

I'm so glad you're with us here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. And one way we try to empower you is through our powerful daily newsletters. And I I just love the content that we provide you in our newsletters. Where you got bite size or you want a full explanation? You got it right there. Free free [e-mail] newsletter or newsletters both work and one topic that never goes away is scams. Why? Because they work for the crooks and the scams never stop changing and you've got to be on your guard all the time. A lot of people will say to me, I can't believe I got taken. I mean, I always laughed about these things. And then they got me. So know that criminals really have the ability to get in your wallet. Some of them start off as something that almost nobody's heard of. People get taken and then they become kind of widespread. They say, oh yeah, I've heard that one. I think about the phony jury duty, one that got so many people when that first started popping up, I think in maybe three years ago. And now I've got a new list from the ftc. What are the scams that you need to be on the lookout the most? Number one, by far the largest scam losses are happening right now through the payment apps that people con you get the money that way. There's no way for you to get the money back. And you've got to be just so on your guard. Investment scams have always been a big thing. Now they're the second largest losses people are experiencing. People being contacted through social media used to be the top way people were being scammed, but so much is happening there. And this year we're going to see so many employment scams as unemployment rises in the United States. That one is an oldie but baddie that I predict is maybe by the end of this year will be our biggest scam area is with job scams. Interesting thing that first came clear back about five years ago that the largest number of people being scammed now are people in their teens and twenties because they grew up in an era where what was a friend was a different definition than the past. Friend used to be somebody who you were with that you saw that you would go have a meal with or, or go shoot baskets with or go to a movie or whatever. Today, a friend is a whole different fungible kind of thing and overwhelmingly can be somebody you've actually never seen in person. And so that's why people in their teens and twenties have become the most vulnerable to scams where they think this person's a friend and may take their time, months working up to the point where they scam you. You need to know that the younger you are, the more your friends are what I would call, in my mind, virtual rather than physical friends that you're with. You've got to know you're more likely to stand the risk of being taken. Now, I want to tell you about a tool that Google has developed. I talked about it last year when it was vaporware and said, this is going to happen. Now it's starting to appear on Android phones, and it's a setting you have to change in your messages. But what it does is if you allow your Android phone to do so, and hopefully Apple will follow with something like this, you can allow Google's AI tool to track your messages, not recording them, but tracking them with the AI. And when they see patterns of things that have turned out to be scams, they alert you to be on your guard. And Google's worked hard on this. They have sat down with bank security people at several banks, and they've worked together to make sure the AI is up to date on the latest scams. So when you go, if you're interested in this, you're willing to have them invade your privacy. With the scam detection feature. You go to your messages setting and it'll give you the opportunity to turn on this tool and they also have one on some of their own branded pixel phones that will do the same with phone calls. That seems a little creepy to me truthfully, to have AI listening in on my phone calls, but it's there if it's a tool you would like to have. So by the way, if you listen to our podcast and you'd like to watch us, you can watch our YouTube show version that has been growing significantly month by month. Am I right?

[Krista]

Absolutely. And if you want to ask a question, clark.com ask. I'm going to start with this one from Joe in Massachusetts. Could Clark Talk about Solo 401 case? What exactly is this and how much and where to set one up? I'm self employed without employees, which is one of the requirements to be eligible as I understand it.

[Clark Howard]

So I want you to know I have loved solo or self employed 401ks for a long, long time. You did the preamble, Joe. That makes you eligible. You are self employed only employee and so you're allowed, like someone at a big company to set up your own 401k today at no cost with any of my favorite children. If you don't know what that is, Vanguard Schwab Fidelity, you're able to set up the Solo 401k and you're allowed to put in up to the statutory max of 23,5 this year. I think it is. I think it's 23 5. And if you're over 50 you're able to do the catch up provision. And this is the kicker. If your business is extremely profitable, Joe, you're allowed to put in money all the way up to the mid-60s where you're able to shelter it in the Solo 401K. So it is a way for someone who is self employed, who has a great year in your business to be able to put enormous money aside. So now it's 70,000. I thought it was mid-60s. 70,000 a year. Thank you Krista. Into your solo or self employed 401k again with no administrative costs. If you go to a full commission brokerage or you go to a bank, you'll have a lot of expense involved with doing a self employed or solo 401k with higher expenses on the investments. That's why I want you to stick for this with one of my three.

[Krista]

Favorite children, Dan in Florida says Clark, I've heard stories about children over 18 having car accidents that result in very High liability insurance claims against the parents because the child was on the parents auto insurance and the car was in the parent's name. What is your take on getting the car title changed to the name of the child only and then get them auto insurance in their name only as an attempt to shield the parents from the liability claims since the young person would have very little assets compared to the parents.

[Clark Howard]

Okay, so this is one I was schooled on by a number of lawyers on Clark Stinks several years ago that in most states moving a child's vehicle into his or her own name and having their own insurance policy will not shield the parent from liability that the parent is if, if a parent provides more than 50% of the financial support to a child. In most states the parent is still liable even if the vehicle is registered and owned in the child's name instead of the parent. Now this is a most states kind of thing because how these liability laws play out varies by state. But what, what was made really clear to me, and I'm not a lawyer, is that the answer I gave before was wrong on this. That that will not provide the shield. So Dan, if you are wealthy, you're in Florida and I gave the example last time of the surgeon who ended up bankrupt because his daughter had an accident and he had Florida state liability minimums. And this was a very wealthy doctor wiped out from the liability claim that took all his assets way beyond what the liability coverage that Florida requires. So you with a minor child or an adult who still relies on you for financial support because adulthood's different than it used to be. The law may say 18 or 21, but really it's later that parents stop providing a majority of support. You want to make sure you have adequate liability coverage to protect your assets. It may also involve you stacking on top of liability having an umbrella policy which is an excess liability policy for your life. Not that expensive but provides real peace of mind in multiples of $1 million.

[Krista]

George in Missouri says I heard a question about stacking Walmart plus gas discount on top of the Sam's card fee 5% cash back. That was a question we had on the podcast. I can state that I have been doing this for years when at a Murphy station I get a code from my Walmart app, enter into the pump manually, watch the prices on the pump drop 10 cents, then scan my Sam's card via tap to pay from my watch and have just again verified that the 5% cash pack does show up on my Sam's credit card statement. I'VE also used it via the app when I can scan a barcode at a pump. Just letting you know it works. Love the show.

[Clark Howard]

I was at a Murphy gas station recently in Utah and and a guy came up to me. He said, clark, it works. It works because we'd had the question about stacking with Walmart and Sam's the double discount and it absolutely works. Apparently if you are both a Walmart plus and Sam's Club MasterCard card holder, you get the double stack, you get the 5% cash back on the Sam's Club MasterCard and you get the discount you get at the Murphy gas stations. And I mean how great is that that you're taking that price already at a station cheaper than typical in a market and getting that price even lower. Now, coming up ahead, I want to talk about something that I have despised for so long I can't even remember. Gift cards. And now I'm going to give you even another reason you should join me in the gift card hating club.

[Unknown]

This podcast is brought to you by Progressive Insurance. Fiscally responsible financial geniuses, monetary magicians. These are things people say about drivers who switch their car insurance to Progressive and save hundreds. Because Progressive offers discounts for paying in full, owning a home, and more. Plus, you can count on their great customer service to help you when you need it. So your dollar goes a long way. Visit progressive.com to see if you could save on car insurance, Progressive Casualty Insurance Company and affiliates. Potential savings will vary. Not available in all states or situations.

[Ryan Reynolds]

This episode is brought to you by Indeed. When your computer breaks, you don't wait for it to magically start working again. You fix the problem. So why wait to hire the people your company desperately needs? Use Indeed Sponsored jobs to hire top talent fast. And even better, you only pay for results. There's no need to wait. Speed up your hiring with a $75 sponsored job credit@ Indeed.com podcast terms and conditions apply.

[Unknown]

This episode is brought to you by Amazon Business. How can you free up your team.

[Eduardo]

From time consuming office tasks?

[Unknown]

Amazon Business empowers leaders to not only streamline purchasing, but better support their teams so they can focus on strategy and growth. Free up your teams and focus on your future.

[Eduardo]

Learn more about the technology, insights and.

[Unknown]

Support [e-mail] this episode is brought to you by Shopify. Upgrade your business with Shopify, home of the number one checkout on the planet. Shop pay boosts conversions up to 50%, meaning fewer carts going abandoned and more sales going cha ching. So if you're into growing your business. Get a commerce platform that's ready to sell wherever your customers are. Visit shopify.com to upgrade your selling today.

[Clark Howard]

So I am the charter member of the gift Card Hayton Club. And if you ever went to use a gift card that someone had given you for your birthday or some special event, or you got one from your employer and you go to use it and there's no money on it because a criminal beat you to it and stole the money, you've joined me in the gift card hating club. But now we've got an oldie but baddie thing that predates all the theft of funds from gift cards. That is bad back. That is always big when the economy goes into a lower gear and that is retailers and restaurants closing their doors and the gift card money that you forgot about now becomes worthless. I saw stories from all over the country with people outraged about the Joanne gift cards being worthless. Now, I must tell the truth. There were 800 plus Joanne stores. I didn't even know what that was. It's some kind of fabric place or something or was. But people had gift cards for it and the money just went poof. And we're going to have a significant number of retailers of various sizes, including large chains that have been around a long time that are going to fail this year. We've been having it going on for a while with big national retailers going bust and it's a big story when they fail. And then like recently I read, and this is what I love about retail and restaurants, they're like the ultimate form of capitalism. So it's known as creative destruction. So you had all these big lots that closed and now Ollie's Bargain Outlet signed to take over the leases of a huge number of the big lots. So you had these vacant storefronts for people who love bargains and now you're going to get them from Ollie's where you got them before from big lots. But what if somebody had a gift card? The gift card goes poof. And you know, restaurants, even ones that are beloved, will get into financial trouble, they'll fail and then your gift cards worthless. I mean, think about the difference. Think about the difference. You have a piece of plastic that is for a particular place or you have cash. Old expression, cash money is actually money money, paper money that is good wherever you go and doesn't go out of business. So enough said. I just want you to have the heads up because anybody who's listened or watched me for any period of time knows how much I despise gift cards. It's just that right now if you say yeah, yeah, yeah, that's not going to happen to me. Know right now that the store and restaurant failures because of the economic cycle we're moving into, there's much more risk with them and just flat out don't buy them. Krista.

[Krista]

All right. Kay in Washington says I have a question about a difficult situation that many of our parents are facing. My husband's mother was diagnosed with a form of Alzheimer's disease two years ago. We had noticed memory and language issues for some time, so it's likely she had been experiencing symptoms for several years before her diagnosis. Currently, my father in law is her primary caregiver at their home in Arizona. But her condition is deteriorating quickly. We are unsure how much longer he will be able to care for her on his own. Both of them are in their early 70s and we are beginning to discuss the possibility of a nursing home. However, we were shocked by the high costs involved. We are deeply concerned that my father in law may have to deplete their entire retirement savings to cover her career, leaving him without enough to live comfortably after her passing. His family has a history of longevity with most relatives living healthy lives well into their 80s or 90s. I came across information about Medicaid spousal impoverishment, protection, but the asset limits seem quite low. Are there any other options available to help protect his financial future while ensuring my mother in law receives the care she needs?

[Clark Howard]

Kay, I am so sorry. And with an aging population, this is something we're hearing more about from more and more families and it's a little late in the game now that she's already been diagnosed with a form of Alzheimer's. When those early signs appear, that's when family members need to seek out the expertise of an elder law attorney. It's a specialty, a subspecialty of the law and they know backwards and forwards how to protect your husband's dad. Yeah, father in law. So right away you need to find an elder law attorney in Arizona who will be fully versed on what the laws are in Arizona for what's known as the Medicaid spend down. That will not leave your father in law destitute in order to get the care for your mother in law. This is a hard, hard area and time is of the essence. I also want to tell you that Arizona is a very expensive state for long term care, assisted living, nursing care. It is an unusually expensive state for it and it's not unusual for people in Arizona when they do need to find a facility for a relative to look in New Mexico or Utah. You know, adjacent states, but tend to have much cheaper assisted living available than you're going to find in Arizona. The obvious reason is that there are so many ultra wealthy people in Phoenix and and Scottsdale and Tucson that assisted living and long term care of various types, including nursing care are more expensive. But absolute first step as a family is getting some clock time with an elder law attorney. There's a trade association for elder law attorneys. Do we have a link to that on Clark?

[Krista]

I'll make sure we put it in the show notes today.

[Clark Howard]

Okay, great.

[Krista]

Andrew in Iowa says, my wife and I are both focused on saving money, but I'm more focused on retirement and she's more focused on saving for surprise short term expenses. A good compromise we've come to is putting a decent amount into retirement, but a fairly large portion of our liquid money in a taxable brokerage account that is invested similarly to our Roth ira. This way we can sell our stock holdings in an emergency and have access to that cash. I guess our question is how much is safe to have invested in this way? Not counting retirement funds, we have a little over $10,000 and roughly half of it is in a high yield savings account while the other half is invested. Our monthly expenses are about 2,500. So we have enough cash to live on for two months with our sellable investments on top of that. And we're hoping to slowly build our investments in emergency funds. Just wanted to get your thoughts on if this is too much or too little to be investing in the stock market in our situation.

[Clark Howard]

So Andrew, I'm really happy you're doing the Roth. I'm really happy you're building up the rainy day account. I'm not excited by you putting half of the rainy day account in stocks because when it does rain it can pour and you may need more than two months of money and then you could be selling the stocks in, you know, in a bad cycle to do so. I would rather you put your emphasis moving forward on not putting money more in the stocks, put more of it in the money market fund at where your investment account is till you built up a bigger reserve of funds that would cover at least three months of living expenses from cash and over time get to six months. I'd be much more comfortable that, you know, I love people being investors, but with rainy day money, that's your dull money, that's where you park money and that's where you build savings. The great news is that you're being so methodical, building money for the long term and protecting yourself from for the short term.

[Krista]

And this one came in from James in Alabama. Clark gets a lot of tough questions, so I thought I'd ask him a fun one if you have time. Who is the goat NFL quarterback? We all know the goat NFL running back is Bo Jackson. So I won't waste time asking him who he thinks that is.

[Clark Howard]

So we know Bo Jackson because he went to Auburn for college. So obviously it's going to be Bo Jackson, running back, but all time goat quarterback. I would do a tie between someone who most people are going to say Johnny who? Huh? Johnny Unitis. And obviously Brady. I mean how many rings does Brady have? And I think about how hard he works because let's take even his, his quest for excellence. When he started doing announcing on NFL games, color commentary, he was terrible. But he worked at it. He worked at it and now he does a good job at it. That's the kind of thing with so many things. You build habits, you build good habits, you work hard and you get to be the goat with seven super bowl range.

[Krista]

I thought this might be a good opportunity to. Clark, I know in our show meeting you talked about how big people want their TVs to be and so I thought maybe you'd want to mention that.

[Clark Howard]

Oh, you want your TV to be giant? If you're a fan. Okay. So I don't know if I mentioned this. The TV I watch football on, my wife loves decorating and now you can barely see the TV because don't watch TV outside of football season. And so she's put all these decorative things in front of it so that the TV is not really visible during non football season. So it'll be decorated like that till week zero of college football in August. I'm not a big college football fan, but I miss it so much that I actually watch the lame Week 0 games of NCAA football.

[Krista]

But there was recently an article that said Americans want big, big big screen TVs.

[Clark Howard]

Yeah.

[Krista]

And, and how much would be like what could you get like a 65 inch TV for today? Deal.

[Clark Howard]

Couple hundred to $300. But 65, that's a mid size too small.

[Krista]

Okay, well I know Clark deals. Clarkdeals.com does they do TV deals when they come out?

[Clark Howard]

Yeah, yeah. So anyway, have an absolutely wonderful day. And it's only how many months till football starts again? 5 months till football starts again. That's not that long. And we got rewarded with long days and warmer temperatures. And all that in between. The end of football season, the beginning again. And know that we're devoted to every day of the year is you, you. It was so many ways for you to have more money in your wallet. One is the fact that since 1993, we've been offering one on one free advice. You got a question, a problem, a concern, you can talk with a member of the team. Clark Consumer Action Center. 30 hours each week. Want to know how to do it? Go to clark.com cac and have a great day. Remember, save more, spend less, avoid getting ripped off.