Clarkhoward Home

Mon-Fri 1-4pm ET
Stations near you | help

Video Minute Archives
Daily Audio Archives
Rip-off Alerts
Call of the Week

Today's Show Notes
Previous Show Notes
Clark's Greatest Hits
Free and Cheap

Ask Team Clark
Call 10am-7pm ET
(404) 892-8227

Member Center
Blogs
Newsletters
Message boards
Meet the Team

Appearances
Books
Photos
TV
Talk to Clark 1-4pm ET:
(877) 87-CLARK or
(404) 872-0750

Advertisement
Ask Clark  Looking for something on the site? Search for it here!  Also see Clark's Greatest Hits
help
Thursday, August 30, 2007Other Dates

Websites/phone numbers mentioned:

The Consumerist - Get the latest on AT&T's supposed $10 DSL deal.
Starbury - Sneakers recommended by Consumer Reports that sell for $14.98.
Bitten - Sarah Jessica Parker's new affordable clothing line.

The increasing trend of credit card delinquency

In today's special edition of Clarkonomics, Clark looked at the increasing trend of credit card delinquency. While you are ethically obliged to pay your credit card debt, Clark thinks more people should start paying off their credit card last when they're facing other bills. Does that sound crazy? Well, think about it like you would triage: You treat whatever is most life-threatening first. Credit card creditors scream the loudest so people tend to pay them off first. But does it make sense to lose your home because you're paying your card instead of your mortgage? No way. So Clark advises people to pay their mortgage first and put the credit card bills on hold if need be. The same applies to your car loan; if you're struggling financially, put it to the side and pay your mortgage first. Then you can resume paying your credit card and car loan when you're back on your feet financially.

Doctors who practice free-market medicine

The healthcare question is a big one among presidential candidates. There's no one right answer to this question, but Clark knows that he doesn't like the idea of government-provided healthcare. If you ask the Europeans or Canadians who have government-sponsored health benefits they'll tell you they love it -- until they get sick and run into all the hassles associated with it. In our own way, we've moved closer to a parallel system. A recent report about the dermatology industry found that patients who want Botox -- which is not covered under insurance -- are seen much quicker than people who have a mole that may be cancerous. Why does this happen? Because the doctor's expenses to see the patient with the mole will barely be covered by an insurance company -- and the doctor's office will have to fight tooth and nail for whatever money the doc gets. But people coming in for Botox pay cash upfront. So the free market kicks in and the doctors treat those patients who will reward them the most financially. Now there's a trend among doctors who offer Botox, Lasik and other cash-only, uninsurable services to offer "no no no" plans: no payment, no interest and no down payment.

Bogus IRS e-mail scam circulating again

Last spring just around tax time, Clark started hearing about a lot of people who received an e-mail scam that appeared to be from the IRS. Now the same scam has resurfaced. Here's how it works: You get an e-mail that appears to be from the IRS saying they owe you small refund usually around $139.50. The e-mail is branded with the IRS logo and looks legit. It originates from an address that ends in .us, which most people think is a sign of authenticity. A .us domain name, however, is the same as a .com. The real IRS website is a .gov, since it's a government organization. The bogus e-mail explains that the money will be deposited into your account -- provided that you send your account number and secret access code. If you comply, your account will be cleaned out by cyber criminals. Know that the IRS will never ask you for your banking info in an e-mail. Meanwhile, there's a similar scam circulating that appears to be coming from Coca-Cola. This one isn't legit either, so watch out!

Fashion doesn't have to be expensive

There's a new study out that says 60 percent of Americans are overweight. Mississippi has the highest rate (31 percent) of obese people. Yet Clark doesn't often see overweight people in places like Manhattan and San Francisco where folks frequently walk. Exercise is obviously the key. So what are you going to wear when you exercise? Well, Consumer Reports recently took a look at Starbury shoes, a brand pioneered by NBA player Stephon Marbury and clothing retailer Steve and Barry's. Starbury shoes sell for $14.98 and Consumer Reports finds that they offer good cushioning, flexibility and they breathe well. On a related note, Clark's executive producer, Christa, recently discovered that Steve and Barry's also sells actress Sarah Jessica Parker's line of clothing. All the clothes from the Sex and the City star's Bitten imprint are available for under $20. "Fashion is not a luxury, it's a right" is the slogan featured in the ads! If you're looking for other fashionable yet inexpensive duds you may want to check out Target. The company has teamed up with some high-end designers to bring specially made clothing to its customers for a limited time. Meanwhile, Christa recounted her horror story of being in New York for Clark's Rachael Ray Show taping and trying to shop at H&M. She took a cab back and forth from their hotel to the store and spent $7.50 to go and $15 to come back. Unfortunately she was so pressed for time with the TV shoot that she didn't get to purchase a single thing!

Advertisement


This week's poll
Should apartment complexes be allowed to completely ban smoking -- from the entire property, not just the apartments?
Absolutely, second-hand smoke is dangerous.
No way, that's too totalitarian.
I'm not sure.

Would you pay extra to live in a non-smoking apartment complex?
Yes.
No.
see previous polls


Advertisement