Full Show: What To Do BEFORE Your CD Expires and New Amazon Discount Section

Yes, I learned recently to never ever let a cd expire on its own. The rates are pathetic. Thankfully I was able to renew them at higher rates with just a small penalty.

RMDs on IRAs and 401ks at age 75? Did the law change AGAIN? I thought it is 72 now.
And there are no taxes due on ROTH withdrawals after retirement age.
I give you that the question is complex and more than a bit confusing but your answer is very confusing as well.

"We are in historically extremely low tax rates in the United States. We're running budget deficits that are not sustainable...And at some point we're either going to have to reduce what we spend to the point where it hurts or we're going to have to...go to more historical tax rates." 2526

"Christa the negotiator." Or " Christa under cover in Asia." Those are TV reality shows I'd love to watch!

Great tip on the auto-renew. I wasn't going to let that happen, but I wasn't aware of that scam.

Why not just use e-giftcards . It eleminated plastic waste and the pollutants to create those cards . That should be the insustry standard

Clark always makes me laugh when he has to talk about the rich possibly having to pay more. So it's always easier to say we need to cut our spending when we are about as low as we can get. I like him!😅

Clark you can state the numbers about inflation but gas is still up food is still up 25% insurance is still up nothing has come down with your numbers so it doesn’t matter what you state the reality is nothing is changed if only got worse

They can set up ACH to pay the rent

I guess people don't realize that Temu is a Chinese spying app. As soon as you put it on your phone they are gathering all your data and you have no control over it. I would never use Temu. Besides I've heard that the products from Chino are very low quality and they're not at all how they are advertised on the app

Just a note about our experience at Subaru recently. We purchased a gas powered car which went fine. My husband was talking to the guy about the Solterra which is an EV car. He said to never buy but to lease instead (they are losing $ on them). If the battery dies it's about 23K to replace the battery. Unbelievable. You might as well just stick with a gas car!

Stop parroting the fake government reports. Start buying your own groceries and look at the price tag. No one's income is keeping up with inflation.

I'll pick up my (local) tenant's rent in person, rather than ask them to send a personal check. It gives me a chance to check the exterior upkeep, and maybe some maintenance red flags. There are services that past tenants used, to cut a check to me without exposing their own account, but I don't know the price of these services. I'm not willing to give up most of the transaction fees (even at 1-2%) for any of the other digital services, since I often have a cause to be 'in the neighborhood' of my rentals, at least once a week.

I learned two things I didn't know about from this great podcast. First, to make sure you don't allow a CD to rollover because you will get cheated by the bank. Second, if you rent a car and get a flat, have it fixed yourself. Do not take the rental car to a rental place to get the tire fixed or receive another vehicle to drive. You will pay big time for that tire repair through the car rental company. Thanks Clark for your wonderful finanicial tips.

The problem with the IRA question is that MAGI and IRMAA talk about your income. So, even though your earnings are never taxed, your earnings bump you over the limit to have to pay 2 or 3 times the amount for Medicare, as Clark was saying. The earnings are never taxed, but they impact your Medicare costs. Two years after the fact, and for both of you if you're married, for a year.

Please watch Brandy Hellville to learn what fast fashion is doing to people and the environment. It’s truly horrifying

Check the air pressures on rental car tires. Maintenance is usually poor and you may find the pressures well below manufacturer recommendations. That can lead to a flat tire or an accident. It can pay to bring a gauge with you on your trip.

I definitely like temu better...just no temu app

Thank you Team Clark.

Thank you for another interesting and informative video.

Gary is missing the tax on all that growth too. Christa is correct.

Clark always says to never, never, not EVER click on links in an email, but his newsletters are full of links that you are supposed to click on to read the full story! What’s up with that, Clark!? 😂 (If I see a story in the newsletter that piques my interest, I go to the website to read it.)

Raising tax rates on the rich actually decreases revenue. They will leave the country. We need to get rid of entitlements and stop funding wars.

The only thing I pay by check is my rent. It used to be free to pay online, but now they want $3.50 service fee.

It's not the fee, but the principal that keeps me from paying online.

Your thoughts.

My 13 month CD was due to expire. Fine print said it would roll into a 12 month term at half the interest rate. Fortunately I noticed in time to intervene

If you base your shopping on which company is exploiting its workers, you are probably the kind of person like Christa who won't buy any food unless it's "organic". You're delusional. 98% of the manufacturers exploit their workers in one fashion or another, and as for "organic", that's an oxymoron. Any company can label their goods organic!!

Clark speaking of gift cards.recently cardcash company out of New Jersy that buys and sells gift cards scammed 1000s and 1000s of its customers..there ae 1000s of negative posts about Them on NJ BBB . trustpolit and other websites.

I once rented a car for one day near my home in NY and got a flat less than two miles from the pick up location. I had purchased the insurance through the rental car company just for my own peace of mind. When I got the flat, I called the front desk of the rental car company and told them what happened. They called a tow truck for the car and got a ride back to the rental counter to pick up a different car. Since I had purchased the insurance, I wasn't charged a cent extra. I even got a free up grade of the car.

Comment about buying from AliExpress - if you have to return, they will refund your money and you don't have to ship back the return. Perhaps the shipping is too much to care? It did happen with Amazon too one time. Got a refund but didn't have to send it back. Was it a fluke?

LOL inflation is the name of the game going forward all else is smoke and mirrors.... CPI is a fake manipulated number and is truly meaningless....

My chase cd is up for renewal. You didn't do a good job explaining what to do as an alternative.

Regarding the electronic gift card - be sure you provide the receivers correct email. Someone sent me an Amazon gift card by mistake. I called Amazon and ask how to return to sender. They did not have a process in place and said just keep the money. I was able to send a message to the sender thru the “thank you” feature. I did the right thing, I redeemed the $100 gift card to my Amazon account (made sure it was in my account), then I purchased a card using the correct email address the sender provided after I told what happened in the “thank you” feature. The sender was an 80 year old man who entered the wrong email address when doing the electronic gift card for his nephew.

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer

As long as the US Federal Government is spending money they do not have - WE the American people will experience INCREASINGLY higher inflation & TAXES. Stop sending money to countries - let them hate us at no additional cost to us.

How to find out if financial institutions are going to reinvest your money in A CD or not? How to prevent it?

Hey Clark. Is there a reason you do not include e trade in your list of discount brokers?

Too much useless yapping, I'm over this

Temu steals peoples info. Amazon is not getting packages to me on time.

My homeowners insurance increased from $2,000 a year to $3,600 a year. Everything is going up in price. I don’t live near the water either. I don’t live in Florida either.

They are supposed to send you a letter before your cd maturity with a 10 day grace period.

My food,utilities,insurance and gas keeps going up and these 4 things are the only things that concern me so to say..hurray inflation is down is BS!

CNN has an article about Zelle today. Democrats want to introduce legislation making it more secure.

Inflation is higher than they report we all know it ! Maybe it has come down from ridiculous highs which they didn’t report. Inflation is still much higher than reported and we know it ! Thanks Howard for the good information!

I don’t need empowering I just get it done for free 😂

I don’t like 5 year cd’s nowadays. They tie up your money for a long time and the rates are not good enough.

You really believe the lies of the government statistics. SAD.

You are losing your credibility by repeating the lies of the government.
You consider yourself smart?

So do what regarding CDs set to expire? Just withdraw it back into my account? I did it with my big bank. First time ever