Did you know choosing the train over your car can cut your carbon footprint by up to two thirds?

So, one family outing at a time, one little adventurer at a time, one trip to the museum, one dinner in the city, one nap on the way home at a time.

One train journey at a time can help create a greener future.

So when will you take your next trip? Find out more at nationalrail.co.uk slash greener.

It's my pleasure to welcome you to the Clark Howard Show our mission to serve you and empower you to make better financial decisions in your life.

Today, I'm going to start with a really weird way people are bothering other people, stalking other people, hassling other people through payment apps.

Yes, Venmo, Cash App, and the Evil Zell.

Later, you know people ask, when's the best time to buy an airline ticket? When's the best time to do this, that or the other?

And a common refrain with how crazy home prices are for a home buyer, when's the best time to buy a home?

The answer, I think real estate professionals, who believe for a long time, and it's actually true, I'm going to fill in.

So, Venmo, Cash App, Zell, do you know, let's say you broke up with somebody, or you had a stalker, whatever.

See a block, somebody annoying you. You block them on social media. You block their number from texting you.

So, the latest tool in the toolbox of people who want to harass you, who are mad at you, soar at you, have a grudge against you, is they're now sending you $1 on payment apps.

And usually you can do a message with it. And so they're using it as a way to hassle you.

Now, the good news is you can block that individual on Venmo and Cash App, but Big Bad Zell refuses to allow people to block you.

I read an article in the Wall Street Journal about Zell was like, no, we don't allow that.

I mean, Zell continues to be a problem after problem after problem after problem.

And this is the least of it. It's all the money people are having swipe from them through Zell.

The worst thing was Zell is the banks have been liars. In late fall, the banks promised that they would launch consumer protections for Zell in January.

Media reported it widely, TV, newspapers, all different media outlets reported that the new consumer protections were coming in January for all these innocents who were bank customers.

Many of you didn't even know they had Zell activated on their accounts that consumer protections were going to be in place.

And here we are, well, in the spring, crickets, crickets, there are no consumer protections on Zell.

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