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- Clark Biweekly 11 3 25
Clark Biweekly 11 3 25
Sally McDonald
November 03, 2025
Today’s Sponsor
💵 Today’s Top Stories
 | Black Friday deals are coming early this year from Walmart and others. Expect tremendous deals on TVs, blenders and coffee makers, streaming devices, clothing and more. Read more. |
 | What Americans THINK they need for retirement vs. how much they actually HAVE saved are drastically different. What’s the magic number? Clark’s answer may surprise you. Read more. |
Sponsor | It’s not the most exciting topic—but it might be one of the most important. Learn the basics to ensure your wishes are honored and your loved ones are cared for. |
 | Putting a small check in the mail for Christmas, for a birthday present or for a graduation gift seems harmless. But did you know thieves can take much more money than the amount of the check? Read more. |
 | Clark and his wife use “walk-and-talk” videos as a preemptive insurance of sorts, documenting their possessions in case of a natural disaster or robbery. Read more. |
 | Our favorite credit card bonuses in November 2025 will shell out airline miles, travel and cold, hard cash. Here are the cards – and how much you’ll need to spend to get each bonus. Read more. |
🏠️ Today’s Current Mortgage Rates
According to Freddie Mac, 30-year mortgage rates are 6.17% and 15-year rates are 5.41% as of October 30, 2025. The following chart shows the 30-year mortgage rate trend over the last year.
✈️ Delta Airlines Revives Outdated Rule
If you’re flying Delta this holiday season, make sure you bring the credit card you used to book your ticket.
The practice used to be commonplace, especially on international flights, prior to advancements in credit card security.
“It’s not entirely clear what is triggering Delta to bring back this rule all of a sudden, but it’s understandable if the reason is to protect against fraud,” Dollar Flight Club opined.
Apparently, the requirement to carry your booking credit card with you existed previously, but Delta is starting to enforce it.
“A number of passengers have recently reported that Delta Air Lines is now strictly enforcing some fine print in its contracts. Sadly, this has left some Americans stranded overseas or faced with paying thousands for alternate flights home,” The Street reported.
One such passenger went to Heathrow Airport in London for a Delta flight but couldn’t print boarding passes without swiping the credit card he used to purchase the flight for himself and his wife.
Faced with the decision to go home or pay thousands of dollars to rebook, the passenger finally was able to produce a photo of the booking credit card that satisfied airline employees in that instance.
To avoid that stress, make sure you bring the credit card you use to buy your airline tickets to all Delta flights moving forward.
📊 Stat of the Day
📺️ $0.40: The amount per dollar in revenue Netflix now re-invests in content (as of Q3 2025). Nine years ago (Q3 2019), Netflix invested $1.07 into creating or acquiring new shows and movies for every dollar of revenue it earned. The figure hit a company low of $0.30 in Q1 2023.
💰️ Deal Alert: Today’s Top Deals
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🎙️ Podcast
It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, nearly half of U.S. states are teetering on the edge of recession. Clark says now is the time to prepare, not panic. He shares how to get your financial house in order before trouble hits — so whether the economy dips or not, you’ll be ready.
☎️ 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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