Clark Biweekly 10 21 24

Author

Sally McDonald
October 21, 2024

Today’s Sponsor
💵 Today’s Top Stories
Credit

There’s a common misconception that can get in the way of a healthy credit score and cost you money. Make sure you don’t fall into this trap. Read more.

Spam email inbox

Ever wonder how your inbox fills up with spam email? Here’s how those messages end up in your inbox. Read more.

Sponsor

A weekly round-up of the latest investing news, financial trends, and retirement strategies from professionals to help you plan, save and retire with confidence. The Capital Investment Advisors team brings retirement planning and advice to you with handpicked stories delivered straight to your inbox.

Eyeglasses

Eyeglasses don’t have to cost hundreds of dollars. Here’s where you’ll find affordable, quality glasses, including a major update on Clark’s long-time favorite option. Read more.

Passport

This free app helps you avoid paper declaration forms when you travel internationally. Here’s how it works – and how it differs from Global Entry. Read more.

Team Clark’s high-yield savings account calculator helps you understand the amount of money at stake given a difference in bank interest rates. Read more.

🏠️ Today’s Current Mortgage Rates

According to Freddie Mac, 30-year mortgage rates are 6.44% and 15-year rates are 5.63% as of October 17, 2024. The following chart shows the 30-year mortgage rate trend over the last year.

✈️ How To Avoid Delayed Flights By Booking Carefully

Clark released his four rules to avoid chaos when flying two years ago. In case you missed it, here they are:

  1. Fly nonstop.

  2. Book early flights.

  3. Never check bags.

  4. Consider paying to skip lines.

“Delays cascade through the day,” Clark says, explaining why you should fly early.

New data firmly backs Clark’s claim. According to the latest report from the United States Department of Transportation, the hour between 6 and 7 a.m. was the least likely to produce delayed flights (14%).

Every hour after 7 a.m., the percentage of delayed flights grows, peaking at 8 to 9 p.m. (50%+). That’s a remarkable difference of 36%.

Really late takeoffs from 11 p.m. to 6 a.m. saw 28% of flights delayed on limited data.

The conclusion is clear: If you want to avoid flight delays, book as early in the day as possible.

📊 Stat of the Day

💰️ $250,000: The base annual salary for interns at Jane Street, a quantitative investment trading firm. For context, Federal Reserve Chair Jerome Powell was making less than that as of April 2024. Jane Street paid its employees a combined $2.4 billion in 2023, nearly $1 million per person on average.

💰️ Deal Alert: Today’s Top Deals
Sam's Club warehouse
Ireland
🎙️ Podcast

It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, phone thefts are on the rise. If you have financial apps on your phone, it could be catastrophic to your wallet. Clark shares a few tips to help you protect your money.

☎️ Need Money Help?

The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.

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