Clark.com Biweekly Newsletter (Mondays and Thursdays)
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Clark Biweekly 12 4 23

Clark Biweekly 12 4 23

Today’s Sponsor

What’s something 80% of us will eventually need that just 4% of us are insured for? Find out later in this email.

💵 Today’s Top Stories

10 Clark Howard ‘Never, Never, Not Ever’ Rules To Protect Your Money

Never exchange money at an airport, invest with a bank or talk rudely to customer service. What else causes Clark to bring out his trademark “never, never, not ever” catchphrase? Read more .

10 Things on Deep Discount in December

December isn’t all about pre-Christmas shopping. You can get sales on wrapping paper, holiday greeting cards, decorations and more right after Christmas. Plus, find tools, furniture and tires on sale. Read more .

Sponsor

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For a limited time, purchase a select device on the Visible+ plan and save up to $240! Score a service credit every month for up to 24 months when you join and purchase a new Apple or Google Device.

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The Best Time and Place To Buy Small Kitchen Appliances

Team Clark analyzed six years of data to find out the retailers that offer the best deals and the best time to buy. One of those times is here right now. Read more .

Should I Buy an AirTag for My Checked Airport Luggage?

Lost luggage is an even bigger issue than ever. Should you do something to track your checked baggage? Or is it better to follow Clark’s key travel rule? Read more .

13 Grocery Stores That Offer Senior Discounts

See which days of the week are the most popular for senior discounts. Here’s a list of grocery stores and the deals they offer to help you save more on your next shopping trip. Read more .

💵 Consider How You’ll Finance Your Long-Term Care

What concerns you about your long-term financial future?

Is it the longevity of Social Security and Medicare? Or maybe whether you’re saving enough money?

One thing you probably should pay closer attention to is how you’re going to pay for long-term care.

According to a Barron’s article that Clark discussed on the Nov. 30 podcast, 80% of us will need some form of long-term care. Yet just 4% of us are paying for long-term care insurance.

To be fair, long-term care policies can increase premiums over and over. So buying one of those policies too early can mean having to give it up before you even need it due to rising costs.

Here are some other potential solutions Clark suggests that you can consider:

Self-insure if you’re wealthy enough to do so.
Break Clark’s typical life insurance advice. Buy a whole life insurancepolicy with a tax-friendly rider for long-term care.
Contribute to an HSA and invest funds to pay for your health needs in retirement.
Use equity from a home you own to pay for long-term care.

📊 Stat of the Day

🚗 10: Number of consecutive weeks that the average price of gas declined according to AAA. The average price per gallon stood at $3.25 as of last week. Expect the price to keep declining into New Year’s Day according to Associated Press reporting.

💰️ Deal Alert: Today’s Top Deals

Costco’s 12 Days of Deals: The best bargains today!

Get this deal.

Today only: “Meh-rathon” with new deals all day!

Get this deal.

🎙️ Podcast

It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, how easy is it to become a millionaire? It may not be as difficult as we think! Clark shares new data on millionaires and tips to achieve this financial goal.

☎️ 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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