My serious concern is that my insurance company will deny any claim I make and refuse to pay. It makes me wonder why I pay (a lot) for coverage when I don't feel covered. I have the highest deductibles, keep up with replacement costs, qualify for all discounts, and still find it almost unaffordable to pay premiums. I don't trust insurance companies and would rather consider just taking the risk. I've paid for 44 years; that's a ton of money added up, but it counts for nothing.
Underinsured is when you have insurance, but your policy coverage limits are too low to pay for all of the damages and/or medical expenses. Typically, state minimum auto insurance coverage is underinsurance. 💚
No warranties needed. My 2016 Mazda 6 is hitting 190000 miles without issues. Mazda, Toyota and Honda are the top three mainstream brands for reliability.
Clark, I would recommend that someone 22 years old not buy the target retirement funds since they are expensive and include bonds, which he doesn't need at such a young age. Instead, a 22-year-old should dollar cost into the S&P 500 or the Total Stock Market Index and continue to invest over his working lifetime. The track record of those two indexes is amazing and the cost at Fidelity, Schwab, or Vanguard is almost zero. He should not be buying individual stocks either (unless -5% for play money). The S&P/TSMI along with buying his personal residence early in life with make him rich in time.
I agree. S&P 500 index ETF, and don’t think about stocks. Put that attention into the aspects of life that bring meaning, like a spouse and family. He’s going to have so much money by retirement and he won’t need to worry about bonds. Social Security will be his bond component. He can buy bonds later in life if he wants to. I disagree with target date funds. In his situation, they will wind up becoming too conservative, and he won’t be able to get out of them in his taxable accounts because of capital gains.
⌚ One watch is a Garmin Fitness tracker to track steps. ⌚ The other is a Samsung Smart Watch, which has phone capabilities like email, talk, and text. 💚
#BonusPhrase ... "...should we choose to accept it". Clark always says "Our mission... is to serve you with advice and information." Well, sounds like the old #MissionImpossible TV show... "Your mission, should you choose to accept it... " Lol. #ClarkShowRocks #TeamClarkRocks
My serious concern is that my insurance company will deny any claim I make and refuse to pay. It makes me wonder why I pay (a lot) for coverage when I don't feel covered. I have the highest deductibles, keep up with replacement costs, qualify for all discounts, and still find it almost unaffordable to pay premiums. I don't trust insurance companies and would rather consider just taking the risk. I've paid for 44 years; that's a ton of money added up, but it counts for nothing.
Love opening banter
Clark cursed! I've never heard him curse in 30 years!!! Hilarious!
We are so sorry for the mistake! We have edited the show. We sincerely apologize!
😂😂😂😂
Damn I missed it
@@Clark Nothing to apologize for really.
18:57 Just say NO to Wells Fargo.
What is the definition of "under insured"?
Underinsured is when you have insurance, but your policy coverage limits are too low to pay for all of the damages and/or medical expenses. Typically, state minimum auto insurance coverage is underinsurance. 💚
Here he go again. Clark say pay less on stuff but pushing you to pay high premium.for your ins.
Great show
I am my favorite charity
Definitely pay yourself first! If you have a little extra to spare, it's nice to help others. 💚
No warranties needed. My 2016 Mazda 6 is hitting 190000 miles without issues. Mazda, Toyota and Honda are the top three mainstream brands for reliability.
Clark, I would recommend that someone 22 years old not buy the target retirement funds since they are expensive and include bonds, which he doesn't need at such a young age. Instead, a 22-year-old should dollar cost into the S&P 500 or the Total Stock Market Index and continue to invest over his working lifetime. The track record of those two indexes is amazing and the cost at Fidelity, Schwab, or Vanguard is almost zero. He should not be buying individual stocks either (unless -5% for play money). The S&P/TSMI along with buying his personal residence early in life with make him rich in time.
No, do not buy individual stocks, regardless of age. And at 22, that’s a bad path to start .
We always welcome your different opinion! 💚
I agree. S&P 500 index ETF, and don’t think about stocks. Put that attention into the aspects of life that bring meaning, like a spouse and family. He’s going to have so much money by retirement and he won’t need to worry about bonds. Social Security will be his bond component. He can buy bonds later in life if he wants to. I disagree with target date funds. In his situation, they will wind up becoming too conservative, and he won’t be able to get out of them in his taxable accounts because of capital gains.
@@genxx2724 We welcome your different perspective too! 💚
Any plans on editing out that first 20 seconds, to make it G rated again? lolz
We are so sorry for the mistake! We have edited the show. We sincerely apologize!
Aww man, I missed it!
Why do you wear two watches at one time?
one is a fit bit type thing, not a watch
My cousin wore two watches for thankgiving dinner. Told him he looked like Clark Howard.
@@AcuraTLBuilder 😂😂 Why does your cousin wear 2 watches? Did he say?
⌚ One watch is a Garmin Fitness tracker to track steps. ⌚ The other is a Samsung Smart Watch, which has phone capabilities like email, talk, and text. 💚
Nerd alert!! Nerd Alert!!
#BonusPhrase ... "...should we choose to accept it". Clark always says "Our mission... is to serve you with advice and information." Well, sounds like the old #MissionImpossible TV show... "Your mission, should you choose to accept it... " Lol. #ClarkShowRocks #TeamClarkRocks
💚 #bonusphrase