Full Show: Free Way To Stop Junk Mail and How College Students Can Build Credit

[@daveassanowicz186]

I was watching a rerun of the 1980s TV show MacGyver, and he's at a high school science fair . One of the students had a presentation on how junkmail is bad for the environment, makes more work for the USPS, and nobody really wants or likes it.

[@TheLifetraveler1]

Retired 20 years ago. My employer provided a pension that has never increased with the cost of living. It is exactly the same amount from 20 years ago. You survive by knowing the difference between wants vs needs.

[@softenmydreamswys]

Who did you work for, AT$T?

[@g.t.richardson6311]

@@softenmydreamswys contrary to popular belief there are still many companies that offer some form of pension, although surely not as lucrative as those offered in the 1950s-1980s My brothers father in law has a nice ATT Pension

[@texascheri8445]

Love how much great information you put out!

[@tomkemp3442]

Thanks for the information. You have helped so many people over the years.

[@n.c.467]

Just opted out!! Thanks, Clark 👍🏼

[@marietaylor5174]

Thank you Team Clark.

[@Anthony-zw1qb]

We love ya Clark 💯

[@joet.7831]

Thanks Clark. Just opted out.

[@Gumby1978]

Great show

[@grayfox9911]

Thanks Clark & Team! NNTR

[@charlessommers7218]

Great show 😊

[@gerardwall5847]

When the person calls to supply their insurance information for their emergency room visit, don’t be surprised if they ask for payment in full from you. Just say they need to bill the insurance first. Never pay until your insurance pays and you are certain that the insurance and hospital are on the same page with respect to the bill especially if the hospital does not have a contract with your insurance provider

[@Clark]

Great tip, Clarkie! 🙌

[@eric.gardenerextraordinaire]

GREAT STUFF!

[@kevinmoore9524]

This helped me.

[@Gary-uo6xd]

I thought you could not continue to contribute to a Roth IRA if retired?

[@Clark]

True! But he said that he's retired and plans on getting another job. He can continue contributing to his Roth with the income earned from his next job. 💚

[@g.t.richardson6311]

I retired from my real job 3.5 years ago. But continued my coaching of high school sports fall and spring, so have enough w2 income to have fully funded my Roth in 2021, 2022, 2023 (almost) 2024 will only be about 5000 as I stepped into a pt role/ shared position

[@Clark]

@@g.t.richardson6311 Amazing! 👏👏👏

[@NovemberRain11]

Just like mentioned here where first time home buyer’s often only apply to one lender, would be interested in an episode about first time home refinancers and how to get the best quotes by looking at multiple lenders for that.

[@Clark]

Here's our step-by-step guide on how to refinance your mortgage, including how to get best quotes from multiple lenders 💚 clark.com/homes-real-estate/how-to-refinance-mortgage/

[@janetk5073]

If the person is getting a W2, they are not a freelancer, they're an employee. Freelancers get 1099s, not W2s. And if the employer (technically a client for a freelancer) treats them and pays them as a freelancer, the freelancer doesn't need an LLC to do so. If the employer/client decides to treat you as a freelancer, part of the tax burden shifts from the employer/client to the freelancer, so the freelancer should raise their rates (known as wages to an employee), although the client will probably protest. There are other things to consider as to whether you're a freelancer or employee, though, such as whether you set your own hours and have (or could have) other clients.

[@LilyLChew]

If you don’t have a printer, you have to call & enter your basic information to have a form mailed to you.

[@retired8484]

Ignore the bogus texts

[@Peter_08]

Clark, NOT all college students are like that. My child recently graduated, his credit is almost 800

[@Clark]

Video says not all college students, but it's rare. Kudos to your child! 👏👏👏

[@softenmydreamswys]

I just got a bogus charge for watching your video. It was written ignorantly so I figured it was some scammer from Indian in Delhi. BOLO.

[@dpporlando]

Clark your mortgage shopping advice is moldy old and half baked. Could you please spend 10 minutes explaining to people how rates on mortgages are set. When I originated I had to spend 20 minutes explaining that prime rate has nothing to do with fixed rate mortgages. Please explain the 10 Year Treasury and that if volatile when you call a "lender" in the morning and 3-4 over the course of the day or week the rate could be vastly different each time. There is much more to add but this is the top issue shoppers are clueless about.

[@Clark]

"Moldy old and half baked" 🦨🦨🦨#clarkstinks Great suggestions! We will consider addressing this topic. 💚