11.21.24 Shopping Season - Return Policies / Got Credit Card Debt?

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 21 November 2024

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

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Summary

We’re one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you. Return Policies: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find and Compare Phone Plans - Clark.com Budgeting Basics: What You Need To Know To Get Started Best Budgeting Apps in 2024: Our Top 5 Budgeting & Saving Archives - Clark Howard The Best Place To Buy a Mattress How Can I Get Rid of My Old Mattress Cheaply? Should I Freeze My Credit With the Other Credit Bureaus? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This podcast is brought to you by Progressive Insurance. Fiscally responsible, financial geniuses,
0:06.5	monetary magicians. These are things people say about drivers who switch their car insurance
0:11.3	to progressive and save hundreds. Visit progressive.com to see if you could save. Progressive Casualty
0:17.9	Insurance Company and Affiliates. Potential savings will vary.
0:21.4	Not available in all states or situations.
0:24.0	Using my Berkeley Card Forward credit card to pay for the stuff I need now
0:27.2	could help build up my credit school for the day I need something bigger.
0:30.5	So buying a set of headphones or waits for my workout.
0:34.6	Smashed it.
0:35.4	Could help in the future when I want to rent my first flat share.
0:39.3	Now that's forward thinking.
0:41.3	Check if you're eligible at barclaycard.coad at UK.
0:44.3	33.9% APR representative variables subject to application financial circumstances in borrowing history,
0:49.3	T's and Cs apply.
0:50.3	Responsible use of a credit card can help build your credit score when you pay on time.
1:01.7	It's my pleasure to welcome you here at the Clark Howard Show.
1:07.1	You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life.
1:14.6	A week from today, we'll be sitting down to turkey and dressing and whatever else you like to have for Thanksgiving and holiday shopping
1:23.3	has become a new tradition on Thanksgiving how How about that with the dot-coms? One thing you got to worry
1:33.1	about with Christmas shopping, return policies. And I want to tell you a story of something
1:39.7	that happened to me that saved me big money. And I want to talk about returns costing you money as well.
1:47.8	And something I don't want you to do this Christmas season is get more into credit card debt.
	...

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