It's my pleasure to welcome you here at the Clark Howard Show, where our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life.

What are you running away for, Krista?

One way I always learn something is through our clark stink segment where each

week you tell me what i have gotten wrong and after some of your questions i want to tell you what you

need to know about a change sweeping the hotel industry and how it might not be something you're going to be that comfortable with coming up later in this podcast.

But without further ado, let's hear how I stink.

I should have never encouraged you to speak.

You almost think I'm pretty stupid you

should be ashamed of yourself well maybe i'm wrong maybe i'm wrong maybe you're right pal

okay curtis in california says clark you stink so much your breath could probably start a windmill in an old

dutch painting just kidding you've extolled the says, Clark, you stink so much, your breath could probably start a windmill in an old Dutch

painting. Just kidding. You've extolled the virtues of the Schwab debit card for a long,

long time, and I finally got one since they don't offer a credit card. Now you're saying I

shouldn't use any kind of debit card. What gives? Okay, what a great question. Okay, so first of all, Schwab does offer American Express series of products for people who want

credit cards that give them rewards that go into a brokerage.

It's kind of like how Fidelity has credit cards that give rewards.

The debit card, the advantage of it, somebody who hates debit cards, why do I carry a Schwab

debit card?

Because I can use it to get cash anywhere in the world, be free.

And that's why I have it. Do I ever use it for a purchase of anything?

No way, because debit cards don't have the protections that you have with a credit card.

So, Curtis, in my case, this is something we always have to deal with in life, is judging the risk of something

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