Go to trump coin 2020 dot com for the silver 2020 President Trump freedom coin available for a limited time only go to trump coin 2020 dot com today I'm Michel Stephen I've always been a journalist but I was out of work and not sure what to do I still have a lot of stories to tell I wasn't finished and that's my I love but if I could write about food so through Linked In I reached out to the publisher at l.a. Weekly and I said I would love to be the food editor I didn't expect to get back but eventually. When can you start I can't tell you how good that made me feel connect to your next job on Linked In and whatever you're in it for we're in it together. The Patriots am 1150 diligent. You know diligence is excellence in the ordinary every day when you do stuff like you get your h.s.a. Funded you get your will and pleasure get your life insurance and pleasure and you get out of that so that's the diligence that's the excellence in these ordinary things and this causes your family from the Chief Ramsey 3 on the Patriot. 50. The f.b.i. Has talked to Brett Kavanaugh was 2nd I'm Dave Anthony Fox News they've interviewed Deborah who claims the Supreme Court nominee of exposed himself to her in a party at Yale decades ago Republican Senator Jeff like got the ball rolling on the weeklong f.b.i. Investigation and told C.B.S.'s 60 Minutes that I couldn't move forward without hitting the pause button. Because what I was saying experiencing an elevator and watching it in committee and just thinking this is ripping our country apart Fox's Doug losing it or will the one that we can vest a geisha into the allegations against cap. Be enough for Democrats in the Senate Senator Dianne Feinstein is asking the White House to explain what the f.b.i. Has been told about the investigation in terms of its scope and so forth and already some are complaining about that one week timeline that was part of the deal now Cavanaugh has denied all the accusations against him meanwhile the Supreme Court's new term starts today hearing new cases with just 8 justices it's going to be California versus the trauma administration again they have already clashed over immigration laws now Governor Jerry Brown assigned the net neutrality law to regulate Internet providers prompting the Justice Department to sue Attorney General Sessions calls it an extreme and illegal state laws tempting to frustrate federal policy Canada has joined the u.s. And Mexico agreeing to a trade agreement to revamp NAFTA which President Trump has called a job killing disaster White House trade policy director Peter Navarro we want to restore North America as a manufacturing powerhouse by reclaiming the supply chain of the New Deal region before midnight and would give u.s. Farmers more access to Canada's dairy market they've just handed out the Nobel Prize for medicine or physiology jointly awarded to an American and the Japanese scientists James Allison and to sue Kohan jus hailed for their work as immunologists Alice known for helping to discover new cancer treatments Fox News fair and balanced. No holds barred keep you stuck in a special spin mode plus your favorite Fox News personality this is our time and this is going to be our place sponsor nation coming soon sign up for updates and be the 1st to know the Box Nation dot com Now Fox News rundown is a weekly morning fog just it dives deep into the Major and controversial stories of the day posted by the increase of Fox News Radio Subscribe now to hear a perspective of news you won't find anywhere else on Fox News but just. Tucker Carlson there's just so much barking and noisy yelling our role is to take 3 steps back and just what really matters Sean Hannity the most important thing that we do we are looking out for the forgotten men and women in this country Laura they're going to get a straight shooter no holds barred I'm not going to cut people slack Fox is the one place for dissent is a laugh we have voices we won't be signing who controls my voice nobody Fox News Channel real news real honest to. I'm Michel Stephen I've always been a journalist but I was out of work and not sure what to do I still had a lot of stories to tell I wasn't finished that's my. Love but if I could write about food so through Linked In I reached out to the publisher at l.a. Weekly and I said I would love to be the food editor I didn't expect to get back but eventually he looked at what I had done he says when can you start I can't tell you how good that made me feel connect to your next job on Linked In and whatever you're in it for were in it together messaging batteries may apply to the roles recurring text messages listen to Nick and Vickie story about c. Quiet snoring quiet very loud and constant very draining to be next to somebody who when you're trying to sleep and you've got that loud reverberation you know I was hoping she'd get to sleep before I come out because I'd start again the point where I was concerned that I knew she was acquitted get much rest if I came to bed at the same time you know she'd been so used to me by and all the other stuff I tried she was kind of skeptical say Ok all of hers and. Are you going to even try and I said No I really read up on this and I'm I'm going to make an effort with this I'm going to try and it's to my Snorri So it's worked great for us I'm a happier person morning and more energetic and I think that carries through the day yeah that's the best way to describe what the client stand quite works for both men and women go 224-6810 or go to get quiet dot com try and risk free for 30 days for just 95 text go 246810 or go to get z. Quiet dot com today at Cornell Cordell we focus on representing man in domestic relations cases attorney c.p.a. Joe Cordell we recognize that our clients are going through perhaps the toughest time they will ever go through we understand that everything that's important to them is on the table their assets the role in their children's lives that's an immense responsibility that our clients and trust us with and we take that very seriously we've been trying to do that we've helped thousands of clients before and it's our hope that you'll choose to entrust us with what's most important to you the attorneys at Cornell and Cordell work to help in maximize their role in their children's lives which includes protecting men's financial means to do so contact the domestic litigation firm of Kordell and Cordell to schedule an appointment with one of our firm San Francisco area attorneys a partner men can count 165-038-9111 extension 1 online at Cornell Cornell dot com That's Cordell Cordell dot com offices in San Francisco cemetery you in San Jose Ca I will explain your legal services available in English and Spanish Kimberly Llewellyn licensed in California this is firefighter Raphael poori at the Firehouse Subs introducing the new firehouse pub steaks up with savory steak crispy fried onions in our Rich Belgian beer cheese sauce on tap for a limited time order yours at Firehouse Subs dot com And remember a portion of every subject by my life saving equipment for 1st responders fire house subs joy more subs save more lives limited time only plus tax participating locations by house of the don't even minimum 1000000 dollars 2805 house of Public Safety Foundation I don't need point 13 percent every person's soul. This is the Patriot am 1150 and I Heart Radio station. Last cent of boy getting ripped off this is Clark Howard. Glad you're with us on the Clark Howard Show where it's all about you and that wallet or yours I want you to learn ideas from me so you can save more and spend less and don't let anyone ever rip you off coming up in today's car greatest moment why is it you get so rift off on printer ink and what you can do about it and coming up later how much income do you need to live a comfortable life where you live versus other places there's a new way for you to be able to do that and I'm going to share the tool with you. I have 2 children that are part Jhansi Jhansi is a term you're going to start hearing more and more it's the new thing that's the buzz not millennial so millennia old it's over for you nobody's really focusing on you anymore now it's on Jhansi which. People born I think 1997 forward. So I have a $99.00 and a No 5 I also have an. Older child who is in the millennial group that now is going to be ignored but the reason there's such a focus on Jen's e is there's quite a lot of people in it nearly 70000000 in Gen z. And they are an exclamation point for a particular reason so many gens ears witness firsthand extraordinary financial hardship and their parents their families and among their friends parents and it's one of those things that in an age that so impressionable so many of the gens ears saw people have their lives just ripped out from under them people having to start over people who can never catch up again so this is a group that and when you talk about any demographic group there's a tendency to overgeneralize sensationalize and make it sound like everybody is a monolith So these are only trends but this group is very much about financial security and it's something that Joel and I have all noticed. With something that we didn't used to hear on our show I mean I've been doing the show for and now that I'm in my 32nd year on the radio and only in the last. Say 5 years have we heard from a remarkable a large number of teenagers and people in their early twenty's who were asking a lot of very serious focused financial questions I think back over the years we'd get an occasional call from a teenager and Cam would make a special point of letting me know the age of the person because they were novelty it was completely so unusual and we'd always joke that when one of these kids was asking very serious questions about money that I never told them about my child name so and so whatever because they sounded so much like they were many cards and now it's just what they're about one thing in particular is a lot of people in this gen see aren't going to take on the student loan debt they're not willing to because they've seen the consequences of that and at work gins ears you know a lot of people in the workplace managers in their forty's and older complain all the time these men would never want to work they want all this balance in their lives with contempt well. The Jinns ears are back to the whole work thing I hope that if you're listening to me and you're in this demographic more and 97 or later. The thing that. A little bit older crowd in the millennial group are about making sure they have balance in their lives that's not a bad thing that's a good thing being careful with your money that's a great thing avoiding debt a fantastic thing. Brooke is with us on the Clark Howard Show Hello Brooke oh you are here great thank you you want to talk about your mortgage yes I do what's the story well we have a prime year mortgage that's 7 years and you actually took out a 10 year mortgage yes I think you are my hero. Now yeah it's about a 2.7 percent at the moment. And we're going to be here at least 6 or 7 more years before we decide if we're moving or not my question was is there I we finance. Like maybe do a 15 and then invest the money we say oh no way we get along and leave it alone there's no necessary move you've got 7 years left you're going to be completely mortgage debt free and a 7 year cycle you're building up at this point you're building up a normal equity every single month and it would take you into reverse adding 8 years back into the loan you're going to have closing costs to be at the same rate you're already at and so you are think of it this way you are investing in your future with every single monthly payment you make your Ok I just thought about this how do you know the fastest growing part of the car market are people taking out 7 year car loans when I you are now in a mortgage that's a sickly a 7 year car loan. And so I would just pay is a grade and I know that you are absolutely doing a great thing for your long term financial security then I will leave it alone thank you vest to you and again it is such a neat thing if you're in a position when you refile in. You can go into a 10 year loan that something Credit Union specializes on you get extraordinarily great rates and such a quick pay down the debt on a straight trend line to being completely debt free Peter is with us on the car coward show Peter it's great to have you here you want to talk about a potential benefit of the Costco Visa card and what is it yeah Clark Good afternoon it is a crisis rewind feature and it is kind of hidden under the shopping benefits but it's somewhat amazing I bought a refrigerator for about $1100.00 and it basically it's a retroactive cash price match price guarantee and they gave me 100 dollars cash on it and it is long as you register a purchase How long does it take for you to register a purchase about a minute all you have to do is you have to you know name your item you know by u.p.c. Code or a name they have a database it'll find the item and then you upload the receipt as an image file a j peg or something and they don't do this for perishables food in medicine personal care products it has to be you know something durable and you know I bought a Christmas present for my daughter and saw it on sale somewhere else for $15.00 later and I was sort of you know crying the sad cry but then I thought Hey I'll just try to rewind it and I got the $15.00 so I shopped for quality now and I worry about the price later how about you and so I have a brother who uses this with a different credit card and he remembers to register them and all that I'm too flaky to do that but if you are like you are my brother and you'll take the time to register or if you don't register you can check you see a lower price within 2 months you can apply submit the proof and they just give you the money back. Exactly cash or the same thing a credit to your credit card Well I love that you mention this and again this is not just the Costco city Visa card although it is one of their benefits several card issuers do the same kind of price match thing Bill is with us on the Clark Howard Show Hello Bill thanks Mark good to talk to you Well good to have you here you got a question for me about your your wheels What do you drive Well right now I'm driving an older Crown Vic and it does not get the gas mileage that I need out of it so I've been looking at moving into a hybrid as you've seen over the years gas prices go up down up down up down what it does if you do buy a hybrid when nobody wants them when they're completely on loved is you get a great deal buying it and then you spend like nothing to run it yeah I'm definitely looking at you know moving into a hybrid for the gas savings but I'm also looking at some of the older hybrid cars that maybe are coming off of lease or got some more miles on them but one thing that I'm a little bit worried about is that replacement costs for the battery. And I know you've said in the past that these warrants like a 3rd party warranty extension on a collar is not a good deal but there's that battery changing equation does an extended warranty of a hybrid make sense no because the battery pack for a hybrid which used to be a real big expense and now they're not you know the battery packs on a hybrid if they went out at one time I think it was as much as $10000.00 to replace the battery pack. And now it is really not a major expense and a more typical hybrid battery pack replacement would be somewhere I think about $1200.00 to $1500.00. You know you could have a transmission go out in a car and spend a lot more than that Oh definitely and the other thing is if you buy a hybrid it's a model that's been out for a long time they've got the reliability down pretty well on the batteries I made a mistake I did something you're never supposed to do in 2003 I bought a 1st year version of the Honda Civic Hybrid and they just didn't have it right yet on the battery and the battery ended up failing way prematurely and so you know they say 1st year of any car you never want to buy 1st year or like if you were looking at a used hybrid you'd never want to buy one that the original purchaser bought at the 1st year they made that model Yes Yes You know you don't want to be to any right and so as far as the extended warranty I'm neutral on car warranties you know I don't really like warranties because the money is always not near favor the difference with an automobile is the cost of repairing an automobile may be a backbreaker. Which it often will be for someone and that's why even though they're not a good deal you may feel you need to have one but if you do decide to buy whatever model you buy you want to buy the manufacturer's own extended warranty if you choose to buy one that you can also buy one time use Access to Consumer Reports database online and if you look at the record a repair for the make model and year that you're considering for that hybrid if it's got a great record of repair you're better off not even considering buying the extended warranty. So I guess I confuse people with this like you're looking at appliances electronics anything like that never ever ever not ever laptop never never never not ever do not buy any kind of extended service contract or warranty a car remember the math is just as lousy buying that extended warranty or service contract the difference being well if you can't come up with the money it's different than if your t.v. Croaks you can still get to work with your car but if your car croaks and you can't afford to repair it and you can't get to work you've got a big problem you're listening to the Clark Howard Show. Diabetes high blood pressure anxiety meds everyone's on them if you're a 50 year old male maybe a bit beefy and you may even have type 2 diabetes a $1000000.00 of Term insurance may only cost you about 200 bucks a month called term providers speak with big blue at 805907516 big blue will find a term life policy for you even if you have type 2 diabetes are overweight or have high blood pressure term providers help thousands of people like you who think they can't afford term life insurance to buy a 1000000 dollars of affordable term life for you all you need to do is call Big Blue at 805907516 who will make sure the scales are tipped in your favor call 805907516 big blue will answer your call and work to fit you into a term life policy that you can afford remember Big Blue is like you he is on meds to call 805907516805907516 results may vary not a solicitation for legal services if you owe the i.r.s. Back taxes payroll taxes or have not filed your returns the i.r.s. Will get you they can take your property take you to court even put you in jail with one call to wall you'll never need to talk to the i.r.s. Again our average client settles for about 10 percent of what is owed We offer free face to face consultations in your local area call 807270433 that's 807270433 diabetes high blood pressure and anxiety meds everyone's on them if you are a 50 year old male maybe a bit beefy or even with type 2 diabetes a $1000000.00 of Term insurance may only cost you about $200.00 a month affordable term life insurance is out there called term provider and speak with big blue at 80481145884811458 or visit Big Blue dot com Remember Big lose like you he's on meds to. I'm Michelle Stephen I've always been a journalist but I was out of work and not sure what to do I still had a lot of stories to tell I wasn't finished that's my fun I love but if I could write about food so through Linked In I reached out to the publisher and l.a. Weekly and I said I would love to be the food editor I didn't expect to get back but eventually he looked at what I had done he says when can you start I can't tell you how good that made me feel connect to your next job on Linked In and whatever you're in it for were in it together. Friends can only handle so much fear of a breaking point when the Kremlin takes over and they're not just a great picture of. How we know haunted California's Great America. Limits of fear comes through Oct 28 the nitrites demented creatures and terror you've never felt before. You save up to $20.00 on tickets. Dot com. Here's to the little wins in life like the fact that receiving a big hug can actually burn calories and cuddling with a puppy is stress therapy in a very good girl kind of way so put on some s.p.f. 30 take a walk without a destination and know that whatever little wind wins the day for you Kaiser Permanente will help you thrive your way every day Kaiser Permanente Dr visit k.p. Dot org to learn more. If you love football yelling at television screens with friends and wearing clothing with someone else's name on it there's a seat waiting for you at Buffalo Wild Wings where you can enjoy football food and football beverages on our new $5.00 game day menu cheeseburger and fries Brock's cocktails and pitchers of beer are just $5.00 each escape typical and the new $5.00 game day menu at Buffalo Wild Wings price and participation vary by location not valid with any other offer please drink responsibly Hello this is Joe Cornell of Cornell and Cornell Here are a few quick divorce tips we provide our clients complete the financial forms you file with the court as if they're the most important final exam you will ever take these forms state your property your debts your income and expenses they become the battlefield where your most important disputes are fodder settled property division maintenance child support attorney fees even custody is impacted Fortunately this is an open book exam you can even get help from your attorney but let me warn you whether too busy or too jaded attorneys often fail to demand or give these forms the attention their clients deserve so it may be up to you contact the domestic litigation firm of Cordell and Cordell to schedule an appointment with one of our firm San Francisco area attorneys a partner men can count 165-038-9111 extension 1 online at Cornell Cornell dot com That's Cordell Cordell dot com offices in San Francisco cemetery you in San Jose Ca I will explain your legal services available in English and Spanish Kimberly Llewellyn licensed in California. It's so Clarke rages how much you pay for ink if you buy a Hewlett Packard printer. So Clark reaches. Here what Packard is all about losing money on every printer they make I saw an analysis recently in consumer reports that $1.00 of the popular Hewlett Packard printers everyone they sell they lose $50.00 on the printer a year what Packard because they don't care because then they're selling you the ink for as Illian dollars so that printer that looks like it's a deal it's not at all and I watch people when they're shopping printers and how they look at I'm going down the aisle and they're never looking across to see what the cost of that printer and that is call our courageous because I don't care what the prices on that printer it's what you pay for that nk that really counts the great news is now more and more companies are selling printers that you pay a real price for the printer but the ink costs basically nothing. And I've told you about for years about the Epson eco tank printers now brother makes some printers that run on the ultra cheap bank and more recently Canon has joined this movement of having the printers where the ink is basically free but you pay a real price for the printer so don't stab your wallet in the back do not buy a printer just because the printer is cheap you gotta see the whole story and make sure that you know what they aint is going to cost because today buying a printer that appears to be more expensive is $1.00 that is going to make you happy month after month year after year without having in many cases to buy aint the Epson I have the ink will last it looks like for 3 years and I paid $219.00 for the printer and won't have to pay a penny for nk for years to come that's the deal buying a printer that cheap and then the cartridge cost much more than the printer itself remember don't do it don't waste your money because the cheap price upfront only tears your wallet apart and that is car courageous You're listening to the Clark Howard Show. If you or someone you know is struggling with addiction please call this toll free number right now 803909528 that's 803-909-5285 calling your addiction team and you're taking the 1st steps to recovery the help you need could be one call away 803909528 make the free Call now 803909528 your addiction team is a 3rd party advertiser for various treatment centers in place and networks individual results will very visit your addiction team dot com forward slash turns for more information diabetes high blood pressure hangs i.v. Meds everyone's on them if you're a 50 year old male maybe a bit beefy or even with type 2 diabetes a $1000000.00 of Term insurance may only cost you about $200.00 a month fordable term life insurance is out there called term provider and speak with big blue at 8048114588411458 or visit Big Blue dot com Remember Big lose like you he's on meds to. I love messages that are easily apply to the rules we're going to listen to Nick and Vickie story about see quiet snoring quiet very loud and constant very draining to be next to somebody who you're trying to sleep and you've got that loud reverberation you know I was hoping she'd get to sleep before I come out because I'd start again the point where I was concerned that I knew she wasn't going to give much rest if I came to be at the same time you know she'd been so used to me by and all the other stuff I tried she was kind of skeptical say Ok well if there's another. Year you don't even try and I said No I really read up on this and I'm I'm going to make an effort with this I'm going to try and it's to my Snorri So it's worked great for us I'm a happier person in the morning and more energetic and I think that carries through the day yeah that's the best way to describe what is a quite stunned quite works for both men and women go 224-6810 or go to get. Try and risk free for 30 days for just 95 text go 246810 or go to get z. Quiet dot com today he teared up because the very stuff screwed up your order you finished a pint of ice cream in front of the freezer you yells at your desk neighbor Leslie for breathing too loud this time don't go and buy another box of tampons question what you thought you knew about period question what you buy what you use what the usual way the right way is to deal with it revolutionize switch it up try the Diva Cup and see how it can make dealing with your period whole lot better. The report you decide. On the path to your future experience is just as valuable as a good education find both an army are o.t.c. Education paired with leadership skills and life experiences you can't find anywhere else begin life ahead of your peers on the Army team earning the rank of lieutenant upon graduation and making a difference to your family your community and the nation tap the. Or visit Go Army dot com slash I heard 8 to learn more on more than a degree army are o.t.c. Paid for by the u.s. Army I'm Michel Stephen I've always been a journalist but I was out of work and not sure what to do I still had a lot of stories to tell I wasn't finished that's my. Love but if I could write about food so through Linked In I reached out to the publisher at l.a. Weekly and I said I would love to be the food editor I didn't expect him to get back but eventually he looked at what I had done he says when can you start I can't tell you how good that made me feel connect to your next job on Linked In and whatever you're in it for or in it together. Your friends can only handle so much fear with have a breaking point when the Kremlin takes over and they're not just a great picture of. How the you know honk at California's Great America will push you to the limits of fear come select nights through October 28th or nitrites demented creatures and terror you've never felt before fear is waiting for you save up to $20.00 on tickets see a great America dot com There's something about the word diagnosis that tends to make us uneasy whether it's our hearts lungs or other organs we worry about the result and what to do next at Kaiser Permanente our team of specialists care for you and about you working together creating a treatment plan specific to your diagnosis and total health so from primary to specialty care fine reassurance and a great team of health care professionals committed to your healthy recovery visit keep it out org slash specialty care to learn more Kaiser Permanente Dr. If you love football yelling at television screens with friends and wearing clothing with someone else's name on it there's a seat waiting for you at Buffalo Wild Wings where you can enjoy football food and football beverages on our new $5.00 game day menu cheeseburger and fries Brock's cocktails and pitchers of beer are just $5.00 each escape typical and the new $5.00 game day menu at Buffalo Wild Wings price and participation vary by location not valid with any other offer please drink responsibly Have you ever been one of those unhappy customers that walked away thinking if I ran that business and know what I'd do Hello I'm Joe Court of the law firm Cordell and Cordell I felt that way years ago after my divorce but I never did discard those ideas and today that Phish informs the foundation of the firm that you know is Kordell in Cordell in basically the vision was a divorce firm dedicated to serving man with a client centered focus on the things that clients value most such as attorney preparation regular client updates in same day return calls and in turn this results focused operating system would be monitored by a client care representative the result a truly interactive link between our performance and your satisfaction contact Cordell and Cordell to schedule an appointment with one of our firm San Francisco area attorneys a partner man can count 165-038-9111 extension 1 online at Cornell Cornell dot com That's Cordell Cordell dot com offices in San Francisco's and Mattel you in San Jose when your legal services available in English and Spanish can really well I'm licensed in California Safety Administration and the Ad Council. Glad you're with us here on the Clark Howard Show where it's all about you and that wallet of yours I want you to learn ideas for me so you can keep more of what you may How far does your paycheck go you know in general terms. Then if you move somewhere with a lower cost of living you're going to live better right but how much better and which places really are going to help you stretch a buck I shared an example with you months ago about how a lot of the New York banking centers have moved a lot of their employment to Jacksonville Florida somehow Jacksonville's become a big banking center and typically people are offered a transfer to Jacksonville from the tri state area New York New Jersey Connecticut being paid only 70 percent of their prior paycheck for the same job that they have had in the tri state area and people jump at the chance to take the big pay cuts why because the cost of living and the relative quality of life is so much better in ne Florida than it is in the tri state area people don't have to pay state income taxes which can be pretty significant New York City city income tax. People face a much lower tax burden much lower housing costs a lot of people who could never afford to own a house can own $1.00 and so even though they have to do something it seems like going backwards take a significant pay cut they're living a better life overall what if you could earn the same paycheck you are now somewhere else that is also feasible with a lot of skill sets and experience levels that people have. The Pew Research Center has put together an interactive tool where you can see based on your income where that puts you versus other people in the metro area you live in would you be considered to be upper income middle income lower income is a general rule. Nationally 20 percent of people make an income that's considered to be upper income and half of people make middle income and roughly about 30 percent of people are low income earners so you have 20 percent high income earners 30 percent low income earners the other half in the middle but the income you have if you can duplicate it somewhere else where would that put you what kind of comfort level would you have obviously people who live in a high cost area on the West Coast or the Northeast the income you have could move you up an entire income level just by going to a place with a significantly lower cost of living but you can plug a n. The white f. Put in where you live and you can see this tool at Clark dot com By the way to put in what you are and where you live there show you what kind of lifestyle that buys you upper income middle income lower income where you're living and then try different places where there are job possibilities for you and see when it really improve your quality of life and the results may get you to a point where you say I'm just treading water here or barely keeping my head above or drowning a little here somewhere else you may live a much better life John joins us on the Clark Howard Show Hello John. Well regular How's it going well I can't complain it's a beautiful sunny day well how perfect is that but you want to talk about clouds on the horizon the clouds that would make you worried about having any regular money and having instead coal. Yes basically So tell me about your thoughts with gold well in the past I have purchased thoughts Golding sober and I've done very well on them many cases tripled my money. Kind of curious about where you stand on buying actual bullion I'm a much bigger fan of you doing what you've done so you were buying gold exchange traded funds e.t.f. Correct yeah I think that's the only wise way to do it because if you buy physical gold you've got to buy sell spread on the price where you get a little bit ripped off on what they sell it to you for then you get a little bit ripped off on what they buy it back from you for you have to store it you have to worry about theft it's not is convertible as quickly and cash as you have with the exchange traded fund it's much cheaper and much more efficient to own gold or any precious metal with an exchange traded fund an e.t.f. Which for people aren't familiar with what that is I should say John that essentially is like buying a stock rather than buying the physical gold but the gold is stored for you by the find d.n.a. Vault in a safe place to protect your investment so if gold is where you think it sat physical gold is not where I would be. Ok and how much of your assets do you put into gold or precious metals Well right now I don't have any my wife and I are both retired but we have both divine benefit pension plans we have been deploying for a number of years so we don't nothing on cars homes we carry no credit card debt so gold for you is only a protective hedge against bad news in a shit Yes So I would say in your case that you are in such a solid secure financial situation with you and your wife you don't have debt you got a nice steady income that gold and precious metals is just for a rainy day Laurie is with us on the Clark Howard Show Hello Lori. Clark how are you great thank you you want to talk about Venom Oh I do my daughter's suggested that I download this app and it would make it and they bless to transfer money back and forth to each other as well as to other friends and family and I'm just not sure if it's a safe way to transfer money it just shows that your daughter's brilliant. Wire I already know that memo then Moet has become the go to way particularly for people and their teens and twenty's to move money around to friends family whatever and it works flawlessly I am 0 for complaints ever about vendetta doesn't mean there won't be a problem at some point but I have never had a complaint so is it similar to Pay Pal It's owned by Pay Pal I remember right. Then Mo is it set from the ground up as a mobile payment platform that's free to use. So you instantly can move money around from friend to friend or family member or family member and so let's say people are sitting at a restaurant in the restaurant doesn't split checks for people and one person wasn't planning to take the other 3 out to lunch or dinner so then most people just instantly Venlo money of the person who picked up the check their share of it so there's no way that the person on the other end can get any information out of my account correct correct Ok it just works Great well thank you I will go ahead and download the app then and don't forget to tell your daughter she's brilliant I'll tell her that you told me that Ok and I should tell you the banks are so green with envy about Venlo and other independent payment platforms that the banks daylight dollars short years behind are trying to come up with their own payment platforms that so far a big fat joke in spite of spending so much money because banks always think within their own walls and none of them have done a good job doing something that doesn't care who your bank is who your credit union is who you're paying from and to then mow did it right making it work across any platform Mike is with us on the Clark Howard Show Hello Mike. Oclock how you do and I'm going well we'll good you have a question for me about seeing if you're on track and on target to have enough money to retire with comfort is that right that's correct clue I've gone on to some retirement calculators online and I get a enormously wide variety of answers and it's that so frustrating Yes Well it's it's some days I'm happy and some days I'm scared out of my mind so there is one knowing thing as a retirement calculator that is more than playing horseshoes Ok You know there is no precision with it the closest There's been to perception is a tool that was developed by organization called Financial Engines but generally is available to people if I remember right to people that work for a specific participating employer they use something known as money Carlo modeling . That takes projections and calculates in worst case scenario based on historical declines in the market and what age you are and all that and comes with. Best guestimate about how close you are to your targets and how likely you are to never run out of money Ok but again as I as I recall that's only available to people at participating companies unless they have some consumer version now but if you try different calculators there are a lot of organizations unless you use theirs even if you're not a customer of them you think of any of the big financial companies they'll have a calculator using go to Fidelity Investments and use they are and they are all using different methodologies and that's why you'll see such variation in who thinks here on target and who's not so if you're somebody who wants to rest easy at night you find the one that says you are headed towards financial Armageddon unless you increase your amount you put aside by so much and you go with their very pessimistic projections to make it happen. Ok so the Monte Carlo model would that be something that if I met with like a financial counselor they would have that available for me yes there may be there may be some that are you subscribing to money Carlo simulations that would be able to give you based on the all the various scenarios give you the likely outcome and it's not a certain outcome it's a percent outcome was a percent odd that you will be Ok any of the tools you use have used have they shown you it based on a percent calculation No it's just been there. Bickley you need this much per month and your projection is that you'll have this much per month dollars in k. And it then all over the place right in that's and that makes it is clear is it could be that what I said is true and that's that they're doing their best effort using the best methods they know but the likely outcomes are going to range so far because you know nobody nobody can know with certainty but somebody who is if you go to a fee only financial planner you know you might if you want to check up you might contact people with Garrett Planning Network and they charge you an on an hourly basis to give you advice and guidance and they ask if they do money Carlo simulations about how you're doing and then you know if you found somebody who you can pay on an hourly basis to run those analyses for you Ok gotcha but I will tell you that my generally experience is that when somebody is asking the question you're asking and running the simulations you're running that you likely erf fine on your path to having enough money in retirement Well I hope so but I think what I heard you say is to find a find someone that can give me a Monte Carlo simulation and 100 percent that's right this is the Clark Howard Show . 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My name's fondest special fx artist of Franco studios you look at a bunch of us making models and looks like we're playing with toys but in actuality it's really difficult I think about how important mentors works for me in my career and I want to do that for young people groups on Linked In really helps you stay connected to those communities and give advice I post pictures the armor that we're creating with the Dragon robot people see that and they go wow learn from others with Linked In groups whatever you're in it for war and it together. Your friends can only handle so much fear with have a breaking point when a criminal and takes over and they're not just a great picture of. How the real home to California is great America will push you to the limits of fear come select nights through October 28th or nitrites demented creatures and terror you've never felt before fear is waiting for you save up to $20.00 on tickets at c a great America dot com There's something about the word diagnosis that tends to make us uneasy whether it's our hearts lungs or other organs we worry about the result and what to do next at Kaiser Permanente our team of specialists care for you and about you working together creating a treatment plan specific to your diagnosis and total health so from primary to specialty care fine reassurance and a great team of health care professionals committed to your healthy recovery visit k.p. Dot org slash specialty care to learn more Kaiser Permanente thrive. 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Big It's time for Ask Clark where you post a question for me at Clark dot com And then our producer Joel ask your question for you Joe you got Clark got a question from Lynn she says my cell phone rang in the caller id said that the call was coming from me how and what is going on right away and in that just nasty you can look at that caller id you expect to be able to trust that because there's something called caller id spoofing. Which is something that any I mean run of the mill can do now your caller id can say anything it could say the White House they could say anything including your own name what the motivation is for a criminal having the caller id say your name I don't know I've had that before too and that seems like a bad way to get somebody to answer the phone all right Melissa wrote in she says What would the best credit card for a college student be to get to build up their credit so what I said before is that my favorite is for you to if you're a member of a credit union if you're not go ahead and join one credit unions offer the best programs in the country for college student cards well that's what I said why I asked time and I had someone mention to me who had a military base that I should be talking about the us a program starts with a youth card when you're 12 and works all the way up to a traditional credit card at college age that for the USA a members USA Federal Savings Bank offers a great way as well other than the credit union or get one from Joan she says is it wise to pay ahead for cremation services I don't think so you know you know how many years decades you have in front of you and many times we end up later in life in a different place in the country or different desire about what we'd like to have take place so you're not creating a good situation you are creating one that's in flexible locks un I'd rather you wait till the need arises and then go ahead and make a selection if you do so through one of the nonprofit. Funeral and memorial societies usually you'll get a much better deal at the time the need arises check out funerals dot org Kevin wrote and he says My daughter is just bought her 1st place she needs a good all capital letters good security system for a home that won't cost an arm and a leg and give great service what direction should we go and look at simply save s p l i Safe dot com simply safe is a company that has grown and grown and grown and offers self install very thorough security systems you know electronics have become so much more sophisticated and the ability to install so much easier that now you can put in a system that will be very very. Good in terms of thoroughly protecting her dwelling and will give her and you good peace of mind no contracts for the monitoring is roughly 15 dollars a month with simply say again as I am I safe dot com This is the Clark Howard Show. As a bank I run a small architecture practice called when you run your own business it can be very exhausting for a building to happen is a lot of hard work it takes so many people I've made lots of connections online mentors builders clients you contribute to one another either by sharing information or thoughts were helping your child or perfect our craft and I think that's the beauty of it built your professional community on Linked In whatever you're in it for or and it together. Your friends can only handle so much fear with have a breaking point when the criminal and takes over and they're not just a great picture of. How the real home at California's Great America will push you to the limits of fear come select nights there walked over 28 from like writes to me did creatures and terror you've never felt before video is waiting for you save up to $20.00 on tickets see a great America dot com There's something about the word diagnosis that tends to make us an easy whether it's our hearts lungs or other organs we worry about the result and what to do next at Kaiser Permanente our team of specialists care for you and about you working together creating a treatment plan specific to your diagnosis and total health so from primary to specialty care fine reassurance and a great team of health care professionals committed to your healthy recovery visit k.p. Dot org slash specialty care to learn more Kaiser Permanente thrive. The Supreme Court goes back into session today Hi I'm Dave Anthony Fox News with an empty seat spread Kavanaugh still waiting to be given confirmed or rejected by the Senate's heard someone who I hope I would sound like if I had been unjustly accused Republican Senator Jeff Flake told C.B.S.'s 60 Minutes the issue is tearing the country apart and that's why he led the call for the F.B.I.'s weeklong investigation into the Kavanaugh sexual misconduct allegations yesterday his 2nd accuser was interviewed Deborah Ramirez.