We’re starting out this holiday week talking about one of Clark’s great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there’s now a necessary step for every family to take to protect each other and help prevent scams.  The Warehouse Club Advantage: Segment 1 Ask Clark: Segment 2 Your Family Code Word: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best? Warehouse Clubs Archives - Clark Howard Automatic Bill Pay: How It Works and How To Do It Safely How Long Will It Take for My Credit Score To Go Up if I Missed a Payment? Why Every Family Needs a Code Word - WSJ  Is It Ever OK To Co-Sign a Loan With a Family Member? Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices