Junk mail can be really annoying and potentially dangerous to your finances. Clark shares a free, easy way to reduce the amount of unsolicited mail that gets into your inbox. Also, building credit can be hard. If you have a child in college, Clark has some advice to help your student build credit and avoid mistakes that can lead to a credit catastrophe.
Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 19, 2024, episode of The Clark Howard Show.
00:00 – Intro
00:36 – Free Way To Stop Junk Mail
06:54 – Ask Clark – Freelance going with W2 Vs LLC
08:40 – Ask Clark – Teenage Had SSN Stollen when she was a Child
11:13 – Ask Clark – When Should you Stop Contributing to your Roth?
14:34 – How College Students Can Build Credit
20:37 – Ask Clark – How to Request Hospital a Bill?
23:13 – Ask Clark – When is it too late to purchase a GAP Insurance?
26:03 – Ask Clark – Pros or Cons of joining a National Credit Union
Related resources:
https://clark.com/consumer-issues-id-theft/stop-junk-mail/
https://clark.com/credit/how-to-build-credit/
Clark.com: Advice You Can Trust:
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Great show 😊
Thanks Clark & Team! NNTR
We love ya Clark 💯
are you still eligible to contribute to a roth even if you're retired and not working?
I thought you could not continue to contribute to a Roth IRA if retired?
Thanks Clark. Just opted out.
Just like mentioned here where first time home buyer’s often only apply to one lender, would be interested in an episode about first time home refinancers and how to get the best quotes by looking at multiple lenders for that.
Clark your mortgage shopping advice is moldy old and half baked. Could you please spend 10 minutes explaining to people how rates on mortgages are set. When I originated I had to spend 20 minutes explaining that prime rate has nothing to do with fixed rate mortgages. Please explain the 10 Year Treasury and that if volatile when you call a "lender" in the morning and 3-4 over the course of the day or week the rate could be vastly different each time. There is much more to add but this is the top issue shoppers are clueless about.
Great show
I was watching a rerun of the 1980s TV show MacGyver, and he's at a high school science fair . One of the students had a presentation on how junkmail is bad for the environment, makes more work for the USPS, and nobody really wants or likes it.
When the person calls to supply their insurance information for their emergency room visit, don’t be surprised if they ask for payment in full from you. Just say they need to bill the insurance first. Never pay until your insurance pays and you are certain that the insurance and hospital are on the same page with respect to the bill especially if the hospital does not have a contract with your insurance provider
If the person is getting a W2, they are not a freelancer, they're an employee. Freelancers get 1099s, not W2s. And if the employer (technically a client for a freelancer) treats them and pays them as a freelancer, the freelancer doesn't need an LLC to do so. If the employer/client decides to treat you as a freelancer, part of the tax burden shifts from the employer/client to the freelancer, so the freelancer should raise their rates (known as wages to an employee), although the client will probably protest. There are other things to consider as to whether you're a freelancer or employee, though, such as whether you set your own hours and have (or could have) other clients.
Just opted out!! Thanks, Clark 👍🏼
Thank you Team Clark.
Clark, NOT all college students are like that. My child recently graduated, his credit is almost 800
Ignore the bogus texts
Retired 20 years ago. My employer provided a pension that has never increased with the cost of living. It is exactly the same amount from 20 years ago. You survive by knowing the difference between wants vs needs.
I just got a bogus charge for watching your video. It was written ignorantly so I figured it was some scammer from Indian in Delhi. BOLO.