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- Clark Biweekly 12 11 25
Clark Biweekly 12 11 25
Sally McDonald
December 11, 2025
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💵 Today’s Top Stories
 | Interest rates are falling, and there’s a path to refinancing your mortgage – especially if you bought at the peak. Clark explains the criteria you must focus on if you refi right now. Read more. |
 | Buy an 85 count of holiday paper plates for $10.48, liquid fabric softener rated for 259 loads for $9.98, Member’s Mark baby wipes for two cents per wipe and more at Sam’s Club right now. Read more. |
 | The four monster mega banks and huge super regionals are eating the industry – and generally don’t treat you well as a customer. But breaking up with a bank cold turkey is hard. Do this instead. Read more. |
 | Wave Season is the best time to book a cruise and Clark’s secret weapon to score deals, he says. Here’s when this magical “Black Friday of cruising” takes place. Read more. |
 | YouTube TV is about to offer customers more choice with 10 genre-specific channel packages (including sports) that cost less than the full $83 per month. Here’s what we know. Read more. |
💵 Today’s Top Savings Rates
Check out our updated list of Clark.com-approved high-yield savings accounts with the highest rates. Here are the top five APYs on our list as of December 11, 2025.
💰️ American Consumers Still Spending
The Fed just cut rates another quarter point yesterday, marking an aggregate 0.75% rate cut since Sept. 17.
The move came in part because of a weakening labor market. Layoffs and unemployment are inching up and employees are clinging to the jobs they have instead of switching willy-nilly.
However, don’t worry too much about the economy. American consumers showed out during Thanksgiving weekend, with 202.9 million of us going shopping. That’s far above a forecasted 186.9 million.
In other words, there’s still plenty of money sloshing around the American economy.
📊 Stat of the Day
🏠️ >50%: Share of U.S. homes that lost value in the last year, the highest rate of depreciation since 2012. National median apartment rents also fell 1% in November and now sit at $1,367.
💰️ Deal Alert: Today’s Top Deals
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🎙️ Podcast
Mortgage rates are now starting to fall due to current market forces and a slowdown in the economy. If you bought a home when rates were high, you may have an opportunity to refinance now, but it only makes sense if you fit a specific criteria. Also, as giant banks continue to consolidate and seek new ways to charge fees, Clark discusses the trend of "soft switching." Since mega banks are not your wallet's friend, more people are gradually moving their money to smaller, more personal, or online institutions. It’s a gentle way to protect your wallet and escape banking abuse without the hassle of closing all your accounts at once.
☎️ 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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