One time I was shopping at a small mom & pop health food store and I noticed when I got to my car that they had way undercharged me. I went back into the store and told them there was a problem and they were so grateful. So worth it to do the right thing.
Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.
Wall Street pitched so-called quality stocks with high profitability and low debt, as a kind of insurance against whatever the economy might throw at you. Quality stocks have underperformed the S&P500 this year, My $200k portfolio is down by approximately 20 %, any recommendations to scale up my returns on investment
Nobody knows anything You need to create your own process, manage risk and stick to the plan, through thick or thin While also continuously learning from mistakes and improving.
Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
The economy is grappling with uncertainties, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
Recently, I have been exploring the possibility of consulting with advisors. As a mature individual, I am in need of guidance, but I am curious to know how truly impactful their services can be?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Rebecca Nassar Dunne for the last five years or so, and her returns have been pretty much amazing.
As far as I can tell, you are one of the only honest “financial advisor” on UA-cam, thank you for that! You are really one of the good guys Clark, making a difference imho.
I took advantage of getting a Master's Degree in HR while stationed in Germany doing a very slow work environment. I also received training as equipment and budget custodians. It paid off after retiring from the AF. I was a Budget Analyst and HR Manager. God is good!
I started a service business as a self-employed person. I had two years experience with a job at a company. Those people knew me, but to get more clients, several times I did small jobs for free, understanding that I had no college degree or certification at all, was female and a single mother, and working out of my home 40 years ago, all strikes against me. Very quickly I was overwhelmed with work.
MONEY CRISES and long-lasting effects? As a 73 yr. old daughter of a Depression Era mother who starved as a child, I can add that this kind of fear-based money crisis affects generations through fear of lack of all kinds. My oh my. Long-time, appreciative listener, and I'm still learning!
I used to never use self checkout until I realized how much money the stores were stealing from me!! Now, I always do self checkout and watch like a hawk as the prices ring up. If there is an error, I stop immediately and get the employee watching the area to make the correction. There are still so many great differences between the prices on shelves and what rings up but thankfully, I am now not paying that difference out of MY pocket!
Thank you, Clark for encouraging people to be honest! I'm the same kind of person and I was taught from a child to do the right thing and to be honest. It's shocking to me how many people you wouldn't report that they're not paying the right amount or that they intentionally tried to not pay and then they wonder why the prices go up.
Sure appreciate your show. Living on Social Security but there are still some tips that are helpful to me. People need to listen to your program long before retiring.
Your much nicer than Dave Ramsey and give well expanded advice. Ramsey just seems to make fun of those making bad financial decisions. You don't shame others and your advice is more practical
I once watched Suzie Orman and Davy Ramsey. No more. He is especially rude and arrogant to his listeners. Both are condescending. They both think they are never wrong. My favorite Clark spot is Friday's Clark Stinks. Clark admits if he is wrong or not completely correct. I love his podcast. I have learned so much from him. ❤❤❤❤❤❤❤
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult...
Sounds interesting. I was planning to invest some few £ in some coins, stack them up and leave them for a few years, but seeing this changed my mindset. Thank you very much
I was owing a loan of $32,000 to my bank for my son's brain surgery, now I'm longer in debt after I invested $10,000 and got my payout several times for the past two months.
My Master's was paid for by my employer, they paid for 2 courses a semester. Took twice as long to complete the program, but if I had not taken advantage of the program, I would not have attained a Master's, which was a stepping stone to my Doctorate.
If you slow the playback speed down you can make the pauses even longer so it’s much more enjoyable. Clark always has great videos and I’ve used a lot of his advice
Oh for sure. Ramsey’s advice is generally not good. I’ve been a CPA for 47 years so I do have a few qualifications in this regard. Clark Howard is really good, but the excessive virtue signaling by Clark and the listeners can be annoying.
Both people are absolutely wonderful for spending their life doing the best that they could do to help people and in Ramsey's case, gain money.. He and Clark both create a lot of jobs for people at their companies.
I was being checked out at a regional grocery store. I paid and pushed my stuff to my car. But in my head, I thought something was wrong. I looked at the receipt and they had not scanned some bottles of soda in the bottom of my cart. I packed the items that I had paid for, walked back in and went to a different checkout to scan the items. No noise, no bother.
That's the drawback of them not staffing enough employees that sometimes things don't get scanned , you worked for them for free when you went back and scanned the soda
You’re *very lucky* the A.I. run security didn’t catch that miss or you would have been sitting in a jail cell. That happened to an innocent woman in Alabama & ended up winning $2 million in a settlement from WalMart.
I for one, am SUPER grateful you got into giving financial advice! I absolutely LOVE getting on your website to poke around and learn as much as I can. I remember your story I heard on the radio of how cheap you are 😅 One of the cheapest things you say you do is donate a suit to Goodwill so it can be dry cleaned and then buy it back. You said it is a lot cheaper than taking it to a dry cleaners😂
I ALWAYS use self checkout. I've had too many double charges on items after I got home and checked my receipts. Also, I like being in control of my purchases and scrutinize each item's price. 😊
Call us Members of the Crazy Club. I loved your story of "not charging enough." I can share that story when I returned to the garden center to let them know that I purchased eight bags of potting soil but was charged for only two. Indeed, they looked at me like I was crazy! "No one does that," said the manager. Now I can say, "Yes, they do. Clark and I play the purchase game fair & square." The garden center and my garden are thriving, due to the amendments of honesty and integrity.
I was told the same. I bought two bottles of a vitamin and when I got home saw I only was charged for one. Returned the next day with the bottle, and waited in line at customer service. Everyone in line and behind the counter acted like they were looking at a unicorn when I explained why I was there. “No one ever does this!” They said.
I had 2 donuts at Walmart ring up for 16.98. The price was $1.40. I had already paid when I realized it. I went to customer service. They wouldn't refund my card. They would only give me a gift card. I don't believe it was an accident. They tried to steal my money and then refuse to refund after I caught them. I bought toilet paper and canned food to get rid of the card. I rarely go to Walmart now. Ingles also has things ring up wrong but you get the item free when it does that which is a better policy. Still, how many people overpaid vs me getting the item free? Funny how items never ring up lower than what the price is supposed to be. Always watch each item ring up.
It doesn’t happen to you because when there is a price error in your favor people buy out the item before you get to it. I friend of mine saw this with corona beer, some guy basically bought every six pack at the supermarket, Before the error was found.
We always use self-checkout. I agree w/ Clark...it's easier to keep track of prices...but mostly we prefer it because I do a LOT better job bagging our groceries than someone not trained in how to bag groceries & isn't paying for them. Who cares more about our groceries than we who paid for them ?! My dad had a grocery store while I was growing up. He taught me so much. When we've had our groceries bagged for us, they're in a hurry....they put glass jars next to each other. It doesn't make them cringe when they lift the bag & hear glass hitting glass! That should be their clue ! You don't put glass next to glass!! You position glass jars so that there is something between them. I want to arrive home w/out cracked glass ! When I bag our groceries, cold is w/ cold to help it keep cold. I don’t want a bag of cans...it's too heavy! Bagging groceries requires some know how & thanks to my grocer dad , this old lady knows how!! 😊 And I can bag them quickly.
I buy groceries from Amazon Fresh because I’m disabled and can’t grocery shop. Lately they (or more likely their robots) are putting eggs in the bottom of the bag, with heavy stuff on top. Last 4 deliveries have had broken eggs. It’s a pain to have to get a refund from customer service, but a worse pain not to have enough eggs!
@@suzanneemerson2625 UGH! Bless your heart . I'd be happy to bag your groceries for you if I could. I sure wouldn't put your eggs on the bottom w/stuff on top of them!!
Clark, I think the checkout person at Kroger, when they looked at you because you said the price should be higher, was thinking "You look like Clark Howard, and you sound like Clark Howard, but you are not acting like Clark Howard!"
I refuse to go to the self check out. I don’t work there, so I’m not scanning my items. I even quit shopping at Lowe’s because they only have self checkout these days. I don’t care. I’ll stand in line for an hour if I get an actual employee to check me out. By scanning your own items, you are putting somebody out of a job. It’s just greed on the part of the store because they’re too cheap to hire someone.
Some stores won't take cash for self checkout, and those terminals are always failing and you have to wait for an employee to bail you out. Might as well use cash 💸 because it inherently reduces your spending, and have the employee do the checkout work for how expensive everything is. But either way, you. MUST be aware of the numbers when shopping, because what you spend is a reflection of your rate of pay. If you're being overcharged or just needlessly paying high prices, you're devaluing your labor. "Just pay me anything, that's fine. I'm only here at work to tread water."
Such a dumb comment - no one is out of a job . In self checkout you are paid the same as any cashier, only you are helping out with 6 registers! Not greed. Self checkout is for buying 15-25 items, and leaving quickly. Try working it -- you’d have a different attitude. And in self checkout that usually is an “actual” employee!
I got my Masters in CS while in the Army. Leaving that money on the table would have been ignorant...LOL. I think the total benefit was around 14K...it has been the gift I gave myself that has kept on giving.
This has been the best jobs market in decades. We seem to be leading the world in slowing down inflation. Getting out of an inflationary cycle without a ressesion us almost unheard of.
I scanned a big bag of cherries at Walmart self-checkout. It came up at 6 cents. I called the associate over to correct it. The actual price was over 6 dollars. I do that because they could charge you with fraud for doing something tricky to get a lower price. I don't want to be called a thief, either.
Yes you are so right. Kroger charges us different prices at checkout many times. We had to go through the receipts every time to make sure. Normally it’s the items on sale were charged at the regular prices.
WATCH the register tallies on item prices!! I've experienced price discrepancies! Grocery stores and sales pricing at Costco (bought just before an item went on sale.)
@eric.gardenerextraordinaire just wondering, did they put up advertisements in advance of the actual sales promotion effectiveness in the system and do you know is that something they do often? We found Costco to be on the higher end of accuracy so wondering if maybe that was a fluke.
It is time for the US Federal Reserve to lower interest rates. The other thing that would help is to ban H1B visas and to force companies to train and hire US citizens.
Funny you mention education benefits. I mentored kids fresh out of school in my career. One of the conversations beyond the basic skills and industry particulars was how to utilize all the benefits that are available to you. Thinks like ESPP purchasing, 401K matching and college reimbursement. I would jokingly say, "You need to allow yourself to be poor for a couple more years to build up the habits that will help you in the long haul". Most kids are pretty overwhelmed in the first year of their career - fine - get settled and make a plan. The critical thing is you have to take the brass ring - no company will throw it at you.
Self checkout is for buying 15-20 items, paying and leaving. It is not to analyze each scan. There is little time. When 6 registers are full, plus there’s a line- please go to a full service register or get a manager. As someone who has run a self checkout for 2 years- it is for a paying for several items and leaving. There is no time to sit and figure out each scan.
I avoid self check out. When I go to the store I prefer to be the customer no the eventual, unpaid partial employee of the business. If I want to check the price, I will do it during or after they finish.
My company, Armco Steel at the time, also offered company assisted education. I had to get a C or better in my undergraduate and a B or better in my graduate programs. the only down side was that the re-imbursement was taxable. It took me 13 years to complete my BS and MS degrees. I gave Armco 13 more years of work as pay back and then stayed until I got my 30 year pension. I eventually retired from AK Steel wit 41 and 1/2 years of service. I would not be where I am today were it not for the tuition assistance from Armco.
At Costco, I scan the line at self-checkout to be sure nobody like Clark is in front of me. Heck, I'd usually rather take my 5 items to the regular line behind 3 big carts b/c the Costco cashiers are so much faster then us "amateurs'" at self-checkout.
I got my Bachelors degrees while working for Cooper tire. We probably had 5 out of 1500 employees that took advantage of the program. They even paid for books.
Clark really dropped the ball on self serve checkouts. As low paying as cashier jobs are, they are still jobs. Using self serve contributes to job loss.
Do feel the same way about computers, the internet, automated manufacturing, AI, and all the other advancements made in productivity over the last 100 years? Look at our standard of living now vs. 100 years ago. Maintain and upgrade your skills or become obsolete.
Some people will argue that it's the same number of jobs, just different responsibilities. Instead of having 3 cashiers at registers, those 3 employees are now working the self-checkout to help with line/register control and scanning/pricing problems. 💚
I keep hearing about retooling and get more education for these other jobs....technology reduces the amount of people who are needed to do the job available....so now your competing with younger people who are just getting out of college with fresh skills (no old skills to get in the way) and employers dont want to hire people who are older as it drives their health care costs up....ageism is there and I have had it happen to me....its not legal but, it happens and that is why people tend to get cranky when you just say "you need to get new skills" that is not always possible and on the other hand....who is going to pay for an older worker to get a new skill?????
The economic crisis and downturn are all the signs of 2008 market crash 2.0, so my question is do I still save in the US dollar or is it okay to move all emergency and savings to precious metals?
In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
@@joshbarney114 I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Clark, frequently there are multiple prices; listed on the shelf; for the same item, depending on whether you use the store's discount card, or have an app that provides coupons for an additional discount. Often people fixate on the lowest price when they haven't done what they need to do, in order to get the additional discount. Sometimes, they pick up an item that is in the wrong spot on the shelf, and isn't the item that's on sale. There are a number of things that have to be done; in inventory, stocking, etc. for the correct price to appear at checkout. For you to blame a cashier for that, indicates your lack of knowledge of the retail supply chain, plus it's unfair and entitled. Cashiers don't know the price of everything in the store. They only know what the scanner shows them. I work part time, as a grocery store cashier. I received exactly twenty minutes of training time, when I first took the job and had to figure out everything else on my own. Being a cashier is extremely hard, physical work, so you might want to cut us some slack.
I have never used self checkout & never will because I have been laid off more than once. The last time was in 2008 & I could never find another job after that. I looked for about 6 years & only had 2 interviews. Age 48 was pretty young to retire, but oh well!
My company just switched to the electronic pricing on the shelves. It saves lot of time for some things but for others its a PITA. Overall its been positive.
9 times out of 10 trips to Fred Meyers the price is higher on 1 or 2 items each shopping trip. I always us self check to do the price check myself and to make sure all the coupons I have loaded on my rewards card come off the price. I would easy be ripped off $250 or more each year if i didn't self check. Meat department sales are the worst at Fred Meyers to ring up correctly.
I have been looking for a job for 11 months. I have had 19 interviews. I had a a recruiter promise me work only for it to be delayed. It's sooooo terrible out there.
Self Checkout? Perhaps in some cases while not in others. We generally use self checkout everywhere EXCEPT at *Costco* and *BJ’s* Warehouse. They use the same inferior brand terminal hardware for self checkout. The receipt printers, as often as not, print illegible receipts. If you use your receipts as records, or for returns, this matters. If you go to the attended checkout, they use different, reliable printers. Thankfully the lines at never busy BJs are non-existent so it is just as fast. As to pricing errors - we reward stores that make it easy to fix. For particularly good sales, we take photos of the price tag with the product. Our regional grocery, Meijer makes price corrections easy - the store delegates the ability to the attendants at the self checkout. The other way to assure correct pricing - use the “Scan & Go” apps available at many stores (except Costco!?!) to see the price when you scan the product and out it in your cart. Sams has best, smoothest operating scan & go app out there. Everyone should simply copy it.
Self checkout puts you at risk of being charged with shop lifting if you mistakenly miss scanning one item. There are attorneys who recommend NOT using self checkout.
I see apartment complexes that now have only a communal bathroom showers/ bathrubs at the end of the hall for 5 or 6 apartments....fewer plumber expenses..
Clark are you not aware of the huge amounts of migrants that Amazon and other companies have hired? What job sector (skilled) that needs workers? And yes I agree, self employment. Do something (legal) to make ends meet
Most start ups fail. This leads to financial set backs and sometimes disaster. A few make it big. I don’t know that I’d work for a startup again after my experience.
I’m the most frugal person I know of, today I bought a 12 pack of beer and always pay cash, tomorrow I need more bananas, avocados and maybe some turkey sausage to add to my 8 egg scramble, my chickens give me about 8 eggs every day.ps ty for your insight
I do not like self check out. Encourages shoplifting. I watch each item being rung up and tell them right away if wrong. If you wait til you get home forget it.
The U.S. has a culture where we pitch employees and management against each other. Management claims employees are stealing from the company while employees claim management is denying opportunity, stealing pay, bonus, other features. This attitude is self destructive since it causes everyone to look over their shoulder all the time instead of doing any work. Other countries, companies have developed a more trusting attitude where employees, management are encouraged to look out for everyone. In those places, the companies have discovered that they get more work done with less input. This results in better satisfaction for everyone.
@@suzanneemerson2625 Some of those minor companies and countries include Amazon, Liechtenstein, Greece, Japan, China among many more. Several of them actually encourage employees to come to management whenever they have any problem. It does not matter what the problem is or even if it involves the company at all.
Several years ago I bought a video camera at target and when the clerk rang it up it showed $99.00. I told the clerk it was suppose to be $990.00. I was raised to be honest and could have walked out at the lower price had I not brought it to the attention of the clerk.
Quite a few years ago, the Amazon warehouse in my area offered a training program that resulted in a commercial driver’s certification. Are those the graduates that felt the need to urinate in bottles in their vans in order to successfully meet job expectations? Sounds like employee exploitation at a slightly higher wage.
I was purchasing an item at Wal-Mart and it rang up more than what was on the shelf. The cashier said she didnt care what was on the shelf this is the price. I left the item there.
1. letting it crash on purpose 2. anarchy 3. all debt is wiped out globally if you take the chip (mark of the beast) 4. one world monetary system, one world religion...
Maybe take a look at our monopolistic grocery stores and price gouging. I do not hink anything can be done about it unless they enforce anti trust regulations
I actually once asked if I got benefits for working and doing my own checkout. They laughed at me. Of course, I was only kidddimg, sort of. It wouldn't be so bad if it were to keep prices down, but they raised prices, and added self checkout, but prices never went down, and theymco tinue to go up, even though they pay fewer employees and they don't have to pay benefits for as many people now... 😢
Not naming the company but they are a huge international company that you probably have never heard of ...only 1% raises in US in 2024. Way under revenue targets--and over budget for expenses at mid-year. No talk of RIFs yet, but the writing is on the wall...
Most People do not listen to opportunities-When I told people in 1985 I will get 90% of my law enforcement salary after 30 years w my CALPERS pension annually for life no one believed me! Now my girls know so it is up to them to pick a state or county pension employer for wealth down the road!
Digital pricing is not going to guarantee movement of stock in the wrong place or digital units being moved so do be careful as this new technology is introduced.
They have been trained over the last 30 years to put a potential explosive fuel into their vehicles and pay at least $50+ for the experience. Self pump fuel is all excepted now. Silly arguments on SCO (self check out)
I will strongly argue against the unpaid internship. Any work worth doing, is worth getting paid for. It does nothing for your salary history, and there are many job openings out there. If you want to do charity work, then call it that. Never work at a for profit company without compensation. This is some wrongheaded nonsense. Offer to work for a lower commission or trainee wage, but never work for no pay.
Wait. Ai will not eliminate blue collar job or truck drivers. But lawyer business and he offices. Dispatch and planers . Bank employee and general white collar, upper middle class employee will be fired. You work with your hands, you are safe. You work in it or ona computer, good luck.
One time I was shopping at a small mom & pop health food store and I noticed when I got to my car that they had way undercharged me. I went back into the store and told them there was a problem and they were so grateful. So worth it to do the right thing.
I have done similar. I would never knowingly take advantage of any one. Even large businesses. A thief is a thief.
Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.
Wall Street pitched so-called quality stocks with high profitability and low debt, as a kind of insurance against whatever the economy might throw at you. Quality stocks have underperformed the S&P500 this year, My $200k portfolio is down by approximately 20 %, any recommendations to scale up my returns on investment
Nobody knows anything You need to create your own process, manage risk and stick to the plan, through thick or thin While also continuously learning from mistakes and improving.
Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.
Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my stock portfolio and plan my retirement
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
The economy is grappling with uncertainties, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
Recently, I have been exploring the possibility of consulting with advisors. As a mature individual, I am in need of guidance, but I am curious to know how truly impactful their services can be?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Rebecca Nassar Dunne for the last five years or so, and her returns have been pretty much amazing.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
As far as I can tell, you are one of the only honest “financial advisor” on UA-cam, thank you for that! You are really one of the good guys Clark, making a difference imho.
I took advantage of getting a Master's Degree in HR while stationed in Germany doing a very slow work environment. I also received training as equipment and budget custodians. It paid off after retiring from the AF. I was a Budget Analyst and HR Manager. God is good!
Way to go! 👏👏👏
Clark, I've been with you since the eighties and you just keep getting better! Thank you
I started a service business as a self-employed person. I had two years experience with a job at a company. Those people knew me, but to get more clients, several times I did small jobs for free, understanding that I had no college degree or certification at all, was female and a single mother, and working out of my home 40 years ago, all strikes against me. Very quickly I was overwhelmed with work.
MONEY CRISES and long-lasting effects? As a 73 yr. old daughter of a Depression Era mother who starved as a child, I can add that this kind of fear-based money crisis affects generations through fear of lack of all kinds. My oh my. Long-time, appreciative listener, and I'm still learning!
I NEVER use self checkout. There is no value in performing unpaid labor for the store. If we got a discount for it...maybe...
I was just discussing this yesterday
Same here. I do end up bagging my own groceries as that is not available much anymore. I usually am too slow, so they end up helping me.🙂
The less I have to deal with other human beings the better I feel.❤
NEVER is the correct answer.
I used to never use self checkout until I realized how much money the stores were stealing from me!! Now, I always do self checkout and watch like a hawk as the prices ring up. If there is an error, I stop immediately and get the employee watching the area to make the correction. There are still so many great differences between the prices on shelves and what rings up but thankfully, I am now not paying that difference out of MY pocket!
Thank you, Clark for encouraging people to be honest! I'm the same kind of person and I was taught from a child to do the right thing and to be honest. It's shocking to me how many people you wouldn't report that they're not paying the right amount or that they intentionally tried to not pay and then they wonder why the prices go up.
Sure appreciate your show. Living on Social Security but there are still some tips that are helpful to me. People need to listen to your program long before retiring.
Your much nicer than Dave Ramsey and give well expanded advice. Ramsey just seems to make fun of those making bad financial decisions. You don't shame others and your advice is more practical
Ramsey is like an angry old man on a city bus.
@@Patrick-yh5ydexactly
I once watched Suzie Orman and Davy Ramsey. No more. He is especially rude and arrogant to his listeners. Both are condescending. They both think they are never wrong.
My favorite Clark spot is Friday's Clark Stinks. Clark admits if he is wrong or not completely correct. I love his podcast. I have learned so much from him.
❤❤❤❤❤❤❤
Uncle Dave is a curmudgeon.
Have you thought maybe you guys are too soft?
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult...
Sounds interesting. I was planning to invest some few £ in some coins, stack them up and leave them for a few years, but seeing this changed my mindset. Thank you very much
he's mostly on Telegrams, using the user-name
@Jeffclark6
I was owing a loan of $32,000 to my bank for my son's brain surgery,
now I'm longer in debt after I invested $10,000 and got my payout several times for the past two months.
I once referred him to a friend, and when my friend started showing the profits he made within two weeks, I became jealous, lol😅
My Master's was paid for by my employer, they paid for 2 courses a semester. Took twice as long to complete the program, but if I had not taken advantage of the program, I would not have attained a Master's, which was a stepping stone to my Doctorate.
Real doctorates skip the masters degree being a waste of time.
Been listening for 20 years. Why don't I get tired of this guy?
He stays current and has knowledge of a variety of subjects.
If you slow the playback speed down you can make the pauses even longer so it’s much more enjoyable. Clark always has great videos and I’ve used a lot of his advice
Clark is genuine. He is as kind and humble in real life as he seems on screen. He really cares about helping people and is the real deal.
Clark has no agenda, except helping people and gathering and sharing knowledge. Also he has no ego... rare amongst podcasters.
Because he talks about us & what's important to us---instead of himself!
Ramsey, no Clark yes. He gives you great guidance.
I offer Clark over Ramsey. Better vibe and attitude, kinder too.
YES!! Ramsey talks down to me.
Absolutely
Oh for sure. Ramsey’s advice is generally not good. I’ve been a CPA for 47 years so I do have a few qualifications in this regard. Clark Howard is really good, but the excessive virtue signaling by Clark and the listeners can be annoying.
Both people are absolutely wonderful for spending their life doing the best that they could do to help people and in Ramsey's case, gain money.. He and Clark both create a lot of jobs for people at their companies.
Ramsey is haughty and he talks down to people almost humiliate them, and Clark never does that!
I'm starting to think about retiring early, but then I look at my savings and realize that's probably not going to happen.
Yeah, it's a tough spot to be in. I've been thinking a lot about the economy. You know, he's always been pretty spot on with his predictions.
I was being checked out at a regional grocery store. I paid and pushed my stuff to my car. But in my head, I thought something was wrong. I looked at the receipt and they had not scanned some bottles of soda in the bottom of my cart. I packed the items that I had paid for, walked back in and went to a different checkout to scan the items. No noise, no bother.
That's the drawback of them not staffing enough employees that sometimes things don't get scanned , you worked for them for free when you went back and scanned the soda
@@ethandumas6937 I didn't want anything that I hadn't paid for, no matter the fault.
@daveschmarder-1950 depends where you live, when everyone around you is stealing (I live in so cal) it begins to make no difference
You’re *very lucky* the A.I. run security didn’t catch that miss or you would have been sitting in a jail cell. That happened to an innocent woman in Alabama & ended up winning $2 million in a settlement from WalMart.
I for one, am SUPER grateful you got into giving financial advice! I absolutely LOVE getting on your website to poke around and learn as much as I can. I remember your story I heard on the radio of how cheap you are 😅 One of the cheapest things you say you do is donate a suit to Goodwill so it can be dry cleaned and then buy it back. You said it is a lot cheaper than taking it to a dry cleaners😂
I don't mind self checkout. What I mind is WAITING to use Self Checkout. That is why I like Sam's club's Scan and Go tech.
I ALWAYS use self checkout. I've had too many double charges on items after I got home and checked my receipts. Also, I like being in control of my purchases and scrutinize each item's price. 😊
This video crashed the stock market August 5, 2024 on fears of recession. Clark is the new E. F. Hutton. Thanks alot Mr. Howard!
Call us Members of the Crazy Club. I loved your story of "not charging enough." I can share that story when I returned to the garden center to let them know that I purchased eight bags of potting soil but was charged for only two. Indeed, they looked at me like I was crazy! "No one does that," said the manager. Now I can say, "Yes, they do. Clark and I play the purchase game fair & square." The garden center and my garden are thriving, due to the amendments of honesty and integrity.
I was told the same. I bought two bottles of a vitamin and when I got home saw I only was charged for one. Returned the next day with the bottle, and waited in line at customer service. Everyone in line and behind the counter acted like they were looking at a unicorn when I explained why I was there. “No one ever does this!” They said.
I have listened to you for a long time. Appreciate your pearls of wisdom that you share with your audience. Many thanks!!
I had 2 donuts at Walmart ring up for 16.98. The price was $1.40. I had already paid when I realized it. I went to customer service. They wouldn't refund my card. They would only give me a gift card. I don't believe it was an accident. They tried to steal my money and then refuse to refund after I caught them. I bought toilet paper and canned food to get rid of the card. I rarely go to Walmart now.
Ingles also has things ring up wrong but you get the item free when it does that which is a better policy. Still, how many people overpaid vs me getting the item free? Funny how items never ring up lower than what the price is supposed to be. Always watch each item ring up.
It doesn’t happen to you because when there is a price error in your favor people buy out the item before you get to it.
I friend of mine saw this with corona beer, some guy basically bought every six pack at the supermarket, Before the error was found.
Grateful for your guidance, and support.
We always use self-checkout. I agree w/ Clark...it's easier to keep track of prices...but mostly we prefer it because I do a LOT better job bagging our groceries than someone not trained in how to bag groceries & isn't paying for them. Who cares more about our groceries than we who paid for them ?!
My dad had a grocery store while I was growing up. He taught me so much.
When we've had our groceries bagged for us, they're in a hurry....they put glass jars next to each other. It doesn't make them cringe when they lift the bag & hear glass hitting glass! That should be their clue ! You don't put glass next to glass!! You position glass jars so that there is something between them. I want to arrive home w/out cracked glass ! When I bag our groceries, cold is w/ cold to help it keep cold. I don’t want a bag of cans...it's too heavy!
Bagging groceries requires some know how & thanks to my grocer dad , this old lady knows how!! 😊 And I can bag them quickly.
I buy groceries from Amazon Fresh because I’m disabled and can’t grocery shop. Lately they (or more likely their robots) are putting eggs in the bottom of the bag, with heavy stuff on top. Last 4 deliveries have had broken eggs. It’s a pain to have to get a refund from customer service, but a worse pain not to have enough eggs!
@@suzanneemerson2625 UGH! Bless your heart . I'd be happy to bag your groceries for you if I could. I sure wouldn't put your eggs on the bottom w/stuff on top of them!!
Clark, I think the checkout person at Kroger, when they looked at you because you said the price should be higher, was thinking "You look like Clark Howard, and you sound like Clark Howard, but you are not acting like Clark Howard!"
I refuse to go to the self check out. I don’t work there, so I’m not scanning my items. I even quit shopping at Lowe’s because they only have self checkout these days. I don’t care. I’ll stand in line for an hour if I get an actual employee to check me out. By scanning your own items, you are putting somebody out of a job. It’s just greed on the part of the store because they’re too cheap to hire someone.
I guess your time has no value mine does.
Some stores won't take cash for self checkout, and those terminals are always failing and you have to wait for an employee to bail you out. Might as well use cash 💸 because it inherently reduces your spending, and have the employee do the checkout work for how expensive everything is.
But either way, you. MUST be aware of the numbers when shopping, because what you spend is a reflection of your rate of pay. If you're being overcharged or just needlessly paying high prices, you're devaluing your labor. "Just pay me anything, that's fine. I'm only here at work to tread water."
Do you pump your own gas ?
Such a dumb comment - no one is out of a job . In self checkout you are paid the same as any cashier, only you are helping out with 6 registers! Not greed. Self checkout is for buying 15-25 items, and leaving quickly. Try working it -- you’d have a different attitude. And in self checkout that usually is an “actual” employee!
@@austinmillbarge8731Aldis doesn't take cash at their self checkouts so its the only place I don't use it.
I got my Masters in CS while in the Army. Leaving that money on the table would have been ignorant...LOL. I think the total benefit was around 14K...it has been the gift I gave myself that has kept on giving.
Awesome! 👏👏👏
CS?
@@suzanneemerson2625Computer Science
This has been the best jobs market in decades. We seem to be leading the world in slowing down inflation. Getting out of an inflationary cycle without a ressesion us almost unheard of.
China is eating our lunch. HAS BEEN? Was under Trump.
*recession
And, you may have spoken too soon.
It's not over yet.
I guess some people are hoping that the US economy will fail.
Just weird.
I scanned a big bag of cherries at Walmart self-checkout. It came up at 6 cents. I called the associate over to correct it. The actual price was over 6 dollars. I do that because they could charge you with fraud for doing something tricky to get a lower price. I don't want to be called a thief, either.
Not likely to be charged. Good karma though. I would have walked out at 6 cents!
We change the stickers on all the groceries. Why pay more.
Yes you are so right. Kroger charges us different prices at checkout many times. We had to go through the receipts every time to make sure. Normally it’s the items on sale were charged at the regular prices.
WATCH the register tallies on item prices!!
I've experienced price discrepancies! Grocery stores and sales pricing at Costco (bought just before an item went on sale.)
@eric.gardenerextraordinaire just wondering, did they put up advertisements in advance of the actual sales promotion effectiveness in the system and do you know is that something they do often? We found Costco to be on the higher end of accuracy so wondering if maybe that was a fluke.
Thank you Howard❤
Oh. My. Paying even closer attention to receipts and 😔 sadly, never expecting Honesty from any human or store these days.
It is time for the US Federal Reserve to lower interest rates. The other thing that would help is to ban H1B visas and to force companies to train and hire US citizens.
Funny you mention education benefits. I mentored kids fresh out of school in my career. One of the conversations beyond the basic skills and industry particulars was how to utilize all the benefits that are available to you. Thinks like ESPP purchasing, 401K matching and college reimbursement. I would jokingly say, "You need to allow yourself to be poor for a couple more years to build up the habits that will help you in the long haul". Most kids are pretty overwhelmed in the first year of their career - fine - get settled and make a plan. The critical thing is you have to take the brass ring - no company will throw it at you.
Haven’t seen you for ever good to listen to you
Thank you!! Love your program!
Great show 👍
Just found you Clark! Loved this podcast ❤… I subscribed
Self checkout is for buying 15-20 items, paying and leaving. It is not to analyze each scan. There is little time. When 6 registers are full, plus there’s a line- please go to a full service register or get a manager. As someone who has run a self checkout for 2 years- it is for a paying for several items and leaving. There is no time to sit and figure out each scan.
"Uncle Clark" ❤ My earliest influence on money was Uncle Scrooge McDuck from the Disney storybooks. I still love stacking coins
I avoid self check out. When I go to the store I prefer to be the customer no the eventual, unpaid partial employee of the business. If I want to check the price, I will do it during or after they finish.
My company, Armco Steel at the time, also offered company assisted education. I had to get a C or better in my undergraduate and a B or better in my graduate programs. the only down side was that the re-imbursement was taxable. It took me 13 years to complete my BS and MS degrees. I gave Armco 13 more years of work as pay back and then stayed until I got my 30 year pension. I eventually retired from AK Steel wit 41 and 1/2 years of service. I would not be where I am today were it not for the tuition assistance from Armco.
At Costco, I scan the line at self-checkout to be sure nobody like Clark is in front of me. Heck, I'd usually rather take my 5 items to the regular line behind 3 big carts b/c the Costco cashiers are so much faster then us "amateurs'" at self-checkout.
I got my Bachelors degrees while working for Cooper tire. We probably had 5 out of 1500 employees that took advantage of the program. They even paid for books.
Nice! 👏👏👏
Who wants to stand in a line behind a thousand people for 10 years…it’s self checkout for me all day every day.
Clark really dropped the ball on self serve checkouts.
As low paying as cashier jobs are, they are still jobs. Using self serve contributes to job loss.
Do feel the same way about computers, the internet, automated manufacturing, AI, and all the other advancements made in productivity over the last 100 years? Look at our standard of living now vs. 100 years ago. Maintain and upgrade your skills or become obsolete.
Some people will argue that it's the same number of jobs, just different responsibilities. Instead of having 3 cashiers at registers, those 3 employees are now working the self-checkout to help with line/register control and scanning/pricing problems. 💚
I keep hearing about retooling and get more education for these other jobs....technology reduces the amount of people who are needed to do the job available....so now your competing with younger people who are just getting out of college with fresh skills (no old skills to get in the way) and employers dont want to hire people who are older as it drives their health care costs up....ageism is there and I have had it happen to me....its not legal but, it happens and that is why people tend to get cranky when you just say "you need to get new skills" that is not always possible and on the other hand....who is going to pay for an older worker to get a new skill?????
The economic crisis and downturn are all the signs of 2008 market crash 2.0, so my question is do I still save in the US dollar or is it okay to move all emergency and savings to precious metals?
In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
@@joshbarney114 I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Whenever I shop at Walmart I never pay attention to the prices on the shelf always scan it with the the Walmart app to make sure the price is correct
Clark, frequently there are multiple prices; listed on the shelf; for the same item, depending on whether you use the store's discount card, or have an app that provides coupons for an additional discount. Often people fixate on the lowest price when they haven't done what they need to do, in order to get the additional discount. Sometimes, they pick up an item that is in the wrong spot on the shelf, and isn't the item that's on sale. There are a number of things that have to be done; in inventory, stocking, etc. for the correct price to appear at checkout. For you to blame a cashier for that, indicates your lack of knowledge of the retail supply chain, plus it's unfair and entitled. Cashiers don't know the price of everything in the store. They only know what the scanner shows them. I work part time, as a grocery store cashier. I received exactly twenty minutes of training time, when I first took the job and had to figure out everything else on my own. Being a cashier is extremely hard, physical work, so you might want to cut us some slack.
I have never used self checkout & never will because I have been laid off more than once. The last time was in 2008 & I could never find another job after that. I looked for about 6 years & only had 2 interviews. Age 48 was pretty young to retire, but oh well!
How about implementing trade schools again. We want made in USA, but no one wants to get dirty anymore 😢
YES!!! Mechanics are needed!!!!
We love trade schools! More people need to put them on high school graduates' radar. 💚
No one wants to pay the higher cost of goods produced here….
My company just switched to the electronic pricing on the shelves. It saves lot of time for some things but for others its a PITA. Overall its been positive.
I am a new fan of yours..
9 times out of 10 trips to Fred Meyers the price is higher on 1 or 2 items each shopping trip. I always us self check to do the price check myself and to make sure all the coupons I have loaded on my rewards card come off the price. I would easy be ripped off $250 or more each year if i didn't self check. Meat department sales are the worst at Fred Meyers to ring up correctly.
I have been looking for a job for 11 months. I have had 19 interviews. I had a a recruiter promise me work only for it to be delayed. It's sooooo terrible out there.
What is to be done?
What skills are needed?
How do people get them?
Should the federal reserve just simply be closed?
Your bike situation happened to my sister with a tv!
Self Checkout? Perhaps in some cases while not in others.
We generally use self checkout everywhere EXCEPT at *Costco* and *BJ’s* Warehouse. They use the same inferior brand terminal hardware for self checkout. The receipt printers, as often as not, print illegible receipts. If you use your receipts as records, or for returns, this matters. If you go to the attended checkout, they use different, reliable printers. Thankfully the lines at never busy BJs are non-existent so it is just as fast.
As to pricing errors - we reward stores that make it easy to fix. For particularly good sales, we take photos of the price tag with the product. Our regional grocery, Meijer makes price corrections easy - the store delegates the ability to the attendants at the self checkout.
The other way to assure correct pricing - use the “Scan & Go” apps available at many stores (except Costco!?!) to see the price when you scan the product and out it in your cart. Sams has best, smoothest operating scan & go app out there. Everyone should simply copy it.
Self checkout puts you at risk of being charged with shop lifting if you mistakenly miss scanning one item. There are attorneys who recommend NOT using self checkout.
Simple solution, pay attention.
I see apartment complexes that now have only a communal bathroom showers/ bathrubs at the end of the hall for 5 or 6 apartments....fewer plumber expenses..
Clark are you not aware of the huge amounts of migrants that Amazon and other companies have hired? What job sector (skilled) that needs workers? And yes I agree, self employment. Do something (legal) to make ends meet
Here are some job sectors that need workers per the U.S. Bureau of Labor Statistics:
www.bls.gov/ooh/most-new-jobs.htm
#BonusTerm - "Extreme Value Shopper": Retail code word for "extreme cheapskate." Lol. USUALLY, a compliment for super savers. #TeamClarkRocks
Most start ups fail. This leads to financial set backs and sometimes disaster. A few make it big. I don’t know that I’d work for a startup again after my experience.
I like Clark but I never heard a word about what's "coming for the economy." All I heard was what's been trending. No prediction.
I’m the most frugal person I know of, today I bought a 12 pack of beer and always pay cash, tomorrow I need more bananas, avocados and maybe some turkey sausage to add to my 8 egg scramble, my chickens give me about 8 eggs every day.ps ty for your insight
Not being charged correctly must be addressed by store....mistakes must be brought to attention of store management.
Thank you Team Clark.
I do not like self check out. Encourages shoplifting. I watch each item being rung up and tell them right away if wrong. If you wait til you get home forget it.
Don't forget the political manipulation of the FED who kept lowering interest rates.
The U.S. has a culture where we pitch employees and management against each other. Management claims employees are stealing from the company while employees claim management is denying opportunity, stealing pay, bonus, other features. This attitude is self destructive since it causes everyone to look over their shoulder all the time instead of doing any work. Other countries, companies have developed a more trusting attitude where employees, management are encouraged to look out for everyone. In those places, the companies have discovered that they get more work done with less input. This results in better satisfaction for everyone.
Please name those countries.
@@suzanneemerson2625 Some of those minor companies and countries include Amazon, Liechtenstein, Greece, Japan, China among many more. Several of them actually encourage employees to come to management whenever they have any problem. It does not matter what the problem is or even if it involves the company at all.
Should we be worried about BRICS bringing the dollar down?
Several years ago I bought a video camera at target and when the clerk rang it up it showed $99.00. I told the clerk it was suppose to be $990.00. I was raised to be honest and could have walked out at the lower price had I not brought it to the attention of the clerk.
😇
I only will use self checkout to cash in bottles slip receipts to get cash back if customer service line is backed up
I love self checkout
I use self checkout...less chance of being overcharged.
Also more care in sacking groceries....less damage.
using self checkout at Walmart could get you arrested...plus, they don't give you any kind of discount for being a "part-time" employee
The stock market has been WAY over valued for many years and needed a correction..everybody acts like its a big surprise.
Quite a few years ago, the Amazon warehouse in my area offered a training program that resulted in a commercial driver’s certification. Are those the graduates that felt the need to urinate in bottles in their vans in order to successfully meet job expectations? Sounds like employee exploitation at a slightly higher wage.
I was purchasing an item at Wal-Mart and it rang up more than what was on the shelf. The cashier said she didnt care what was on the shelf this is the price. I left the item there.
Wait.. your Walmart has the prices on the shelves. That concept has made it to the ones around here.
1. letting it crash on purpose 2. anarchy 3. all debt is wiped out globally if you take the chip (mark of the beast) 4. one world monetary system, one world religion...
Maybe take a look at our monopolistic grocery stores and price gouging. I do not hink anything can be done about it unless they enforce anti trust regulations
I actually once asked if I got benefits for working and doing my own checkout. They laughed at me. Of course, I was only kidddimg, sort of. It wouldn't be so bad if it were to keep prices down, but they raised prices, and added self checkout, but prices never went down, and theymco tinue to go up, even though they pay fewer employees and they don't have to pay benefits for as many people now... 😢
If they paid me to checkout, I might do it. I don't care about benefits. But, one hour's pay to checkout my groceries, I can dig it!
they changed the damn CDL law it costs 6grand to get a commercial driver liscense its bullshit
Not naming the company but they are a huge international company that you probably have never heard of ...only 1% raises in US in 2024. Way under revenue targets--and over budget for expenses at mid-year. No talk of RIFs yet, but the writing is on the wall...
Amazon screwed me like that too!
Most People do not listen to opportunities-When I told people in 1985 I will get 90% of my law enforcement salary after 30 years w my CALPERS pension annually for life no one believed me! Now my girls know so it is up to them to pick a state or county pension employer for wealth down the road!
As long as the pension fund doesn’t go wrong like it did for teachers.
Payrates are way down. Rates are down to 12/hr.
Digital pricing is not going to guarantee movement of stock in the wrong place or digital units being moved so do be careful as this new technology is introduced.
Good point! 🙌
Remember this my fellow AMERICANS,....."THERE is *NOTHING* so broken, that Uncle Sam cant BILL YOU for.it😂😂😂😂
Looking forward to seeing Clark's origin story 🙂
They have been trained over the last 30 years to put a potential explosive fuel into their vehicles and pay at least $50+ for the experience. Self pump fuel is all excepted now. Silly arguments on SCO (self check out)
Excepted? What do you mean?
I will strongly argue against the unpaid internship. Any work worth doing, is worth getting paid for. It does nothing for your salary history, and there are many job openings out there. If you want to do charity work, then call it that. Never work at a for profit company without compensation. This is some wrongheaded nonsense. Offer to work for a lower commission or trainee wage, but never work for no pay.
Wait. Ai will not eliminate blue collar job or truck drivers.
But lawyer business and he offices. Dispatch and planers .
Bank employee and general white collar, upper middle class employee will be fired.
You work with your hands, you are safe.
You work in it or ona computer, good luck.
What happens in the economy depends whether Kameltoe Hairless wins or not. If so, we're doomed.