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Submission: On October 12 via manual from AU — Scanned from AU
Effective URL: https://clark.com/
Submission: On October 12 via manual from AU — Scanned from AU
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Show Menu Clark.com × search * Phone Plans Phone Plans Best * Best Cell Phone Plans & Deals * Best Unlimited Data Plans * Best Phone Plans for One Person * Best Cell Phone Plans for Two Lines * Best Family Phone Plans * Best Cell Phone Plans for Seniors * Best Prepaid Phone Plans * Best International Phone Plans * Best Unlimited Hotspot Plans Info * Phone Plan Finder – Find the Best Plan For You * Coverage Maps Compared * How to Switch Phone Carriers (Without Making a Mistake) * Easy Ways to Lower Your Cell Phone Bill * How To Report Spam Text Messages * How To Stop Spam Calls Reviews * Cricket Wireless (AT&T Network) * Mint Mobile (T-Mobile Network) * Visible (Verizon Network) * Tello Mobile * Google Fi Wireless * Your Credit Your Credit * How to Freeze Your Credit * How To Monitor Your Credit * Tips to Contact the Credit Bureaus * Credit Lock vs. Credit Freeze * How To Get a Free Credit Report * How To Get Your Free Credit Score * How To Increase Your Credit Score * What Is a Good Credit Score? * Credit Cards Credit Cards Best * Best Rewards Credit Cards * Best Cash Back Credit Cards * Best Travel Credit Cards * Best No Annual Fee Credit Cards * Best No Foreign Transaction Fees Credit Cards * Best 0% APR Credit Cards * Best Secured Credit Cards * Best Credit Cards for Saving and Investing Rewards * Best Cards for Shopping Rewards * Best Small Business Credit Cards * Best Credit Cards for Students Info * Compare Cash Back Credit Cards * Clark Howard's 7 Credit Card Rules * Credit Cards in Clark Howard’s Wallet * How Many Credit Cards Should I Have? * Why You Should Never Use a Debit Card Reviews * Citi Double Cash: 2% Cash Back * Fidelity Rewards: 2% Cash Back * Blue Cash Preferred® Card from American Express * Costco Anywhere Visa by Citi * Sam’s Club Mastercard * Capital One Venture X Rewards * Target Circle Credit Card * Amazon Prime Rewards Visa * Insurance Insurance Best * Best Auto Insurance Companies * Best Homeowners Insurance Companies * Best Renters Insurance Companies * Best Life Insurance Companies Info * How to Buy Term Life Insurance * Life Insurance With No Medical Exam * How to Shop for Lower Car Insurance * How to Lower Home Insurance Premiums * Renters Insurance: Things to Know Before You Buy * Travel Insurance * Travel Medical Insurance * Long Term Care Insurance * Health Savings Account * Invest & Retire Invest & Retire Best * Best Investment Companies * Best Financial Advisors * Best Robo-Advisors * Best Stock Trading & Investment Apps Info * Saving & Investing the Clark Howard Way * How to Start Investing: 10 Steps for Beginners * Managing Your Own Investments * Using a Robo-Advisor * Using a Financial Advisor * 401(k) Guide * Roth IRA Guide * Target Date Funds * Annuity Reviews * Fidelity Review * Vanguard Review * Charles Schwab Review * Betterment Review * Wealthfront Review * Streaming TV Streaming TV Best * Best Streaming Services * Best Live TV Streaming Services * Best Video Streaming Services * Best Free Streaming Services Info * Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels * How to Cut the Cord Forever * Streaming Channel Lineups * Cable TV vs. Streaming TV * Internet Speeds Needed for Streaming * Find the Best Deal on Cheap Internet Service Reviews * YouTube TV * Hulu TV * Sling TV * Philo * FuboTV * DIRECTV Stream * Discovery+ * Disney+ * YouTube TV vs. Hulu Live * About About * About Us * About Clark Howard * Meet the Team * Get Our Newsletter * Join Our Community * Email Us * Call Us For Free Advice (636-492-5275) * Clark Deals * Podcast Podcast * Listen * Watch * Submit an Ask Clark * Submit a Clark Stinks * Guides Guides * Best Checking Accounts * Best Savings Accounts * Buy a New Car * Buy a Used Car * Certificate of Deposit (CD) * Creating a Will * 529 Plans * Identity Theft * Student Loans * Timeshare Cancel * Travel Planning * Work From Home * Calculators Calculators * Mortgage Calculator with Extra Payments * Mortgage Refinance Calculator – With Cash Out and Points * Biweekly Mortgage Calculator * Mortgage Points Calculator * HELOC Calculator * Home Equity Loan Calculator * Loan To Value Calculator * Roth IRA Growth Calculator * 401(k) Calculator With Match * High-Yield Savings Account (HYSA) Calculator * Roth IRA vs Traditional IRA Calculator * Compound Interest Calculator * Saving and Investment Calculator * Savings Goal Calculator – How Long and How Much To Save SAVE MORE MONEY WITH OUR FREE DAILY NEWSLETTER Join the more than 340,000 people who get it every day. Receive must-have information to help you save more and spend less. See past newsletters. From Today’s Newsletter * A Breakdown of Clark Howard’s 3 Spending Categories * 6 Things To Know Before Buying a Jitterbug Phone on Lively * How to Get Term Life Insurance With No Medical Exam * Travel Alert: REAL ID Deadline Coming Soon * I Paid My Credit Card in Full But Now I Owe More. What’s Residual Interest? * 5 Things To Know About the Navy Federal cashRewards Plus Card * The Social Security Cost-of-Living Adjustment for 2025 * Here Are the Top 7 Career Fields for Flexible Jobs SAVE MONEY WITH OUR CUSTOM/PERSONALIZED TOOLS -------------------------------------------------------------------------------- Compare Cash Back Credit Cards Find a Cheaper Phone Plan Watch TV for Less -------------------------------------------------------------------------------- CONTACT TEAM CLARK FOR FREE ADVICE Call Us: (636)-492-5275 | Email Us | Watch / Listen | Subscribe Advertisement FIND INFORMATION YOU NEED ON YOUR FINANCIAL JOURNEY Phone Plans Credit Cards Credit Insurance Investing Streaming LISTEN TO ADVICE YOU CAN TRUST ON THE CLARK HOWARD SHOW Clark Howard has been sharing unbiased advice to help people save more and spend less for more than 30 years. On the Clark Howard Show, he shares practical and actionable ways you can improve your financial life. Browse All Podcasts | All YouTube Shows * Full Show: Clark Stinks! and 5 Big Travel Updates Clark Wants You To Know * Full Show: FDIC Update After Fintech Meltdown and Is Rent To Own a Bad Idea? * Full Show: How To Become a 401(k) Millionaire and Simple Tip To Avoid Fraud * Special Full Show: An Honest Conversation About Death and Finance (Jonathan Clements Interview) * Full Show: Why You Should Always Appeal Insurance Denials and Are HOAs Good or Bad? YouTube Apple Podcasts Spotify Other Players Google Podcasts Overcast Amazon Music iHeart PODCASTS RSS SHOP TODAY’S BEST DEALS FROM CLARK DEALS * The best deals at The Home Depot right now * Panama Canal cruises from $83 per night * Today only: Take up to 40% off patio items and grills * Ends soon! The best deals of the Target Circle Week sale * 17-night France & Portugal cruise from $869 CONNECT WITH REAL PEOPLE READY TO SERVE YOU CALL OUR HELPLINE: 636-492-5275 The Consumer Action Center is a free community resource for advice on money and consumer issues. Call (636)-492-5275 and a member of Team Clark will assist you as soon as possible. The Consumer Action Center is available Monday-Friday from 10 a.m. to 4 p.m. ET. JOIN OUR COMMUNITY Share your questions and opinions with fellow money-savers in our free Clark.com Community. Latest Community Posts: * Fixed Indexed Annuity * How do FIDO2 security keys change how we do security? * Pay upon death through the bank ABOUT CLARK.COM * About * Meet the Team * Editorial Guarantee * Advertise FOLLOW US NEED HELP? * Call Us * Email Us * Listen * Watch * Join Our Community SUBSCRIBE TO OUR NEWSLETTER © 2024 Clark Howard Inc. 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