January bring a LOT of travel deals. Clark talks about how to grab them. If you get internet from cable and there’s an increase, check out what the monopoly phone company charges. Be very wary if you still get legacy cable TV. Those rates are going way up to compensate for cord cutters. While your at it, consider going to streaming to save money. The WSJ has investigated large cable companies and analyzed data filed with the FCC, and found that the cable companies are lying about internet speeds. People aren’t getting what they’re paying for.Because of the structural deficiencies created by monopolies, we pay much higher rates than other developed countries, for less internet service. That gap is about to close. Consumers will FINALLY have real choice at much lower prices. Clark guarantees it!     For over a year Clark’s been pounding the injustices of public service employees, government workers and teachers getting ripped off in their retirement plans, usually 403bs. A WSJ investigative report reveals teacher and public employee unions are taking huge kickbacks from insurance companies for favoring their plans. The NEA teachers union takes $Millions in kickbacks from the companies providing retirement plans that cost up to 100 times in fees what a low cost Roth IRA or 401k would cost. These unions are selling out their own members. The WSJ reports while the NEA is recommending ultra-expensive 403b plans to teacher members, their own employees are in low cost Vanguard plans. Rise up at your union teachers and force them to stop cheating you on your own retirement future. VISA has issued a warning about how exposed consumers are at gas stations, which remain inside a 5 year delay for implementing payment processing security rules. The danger is enhanced in the remaining year of non-compliance with current standard payment security measures. A more secure payment phase-in begins this year. In the meantime, criminals have a target on every gas station they can hack and skim. This ongoing problem gets bigger in 2020. If you pay at the pump, know it’s a roulette game with a high chance your card will be compromised. Big danger to debit users. Within minutes, criminals can empty a debit account. Credit cards offer more protections. If you must pay with a debit card, go inside to pay, reducing fraud risk. Another precaution, if app pay is available at the pump, choose that option for enhanced security. Otherwise use a credit card NOT a debit card. Learn more about your ad choices. Visit megaphone.fm/adchoices