Get Clark Smart offers money saving tips from Clark Howard
Atlanta author Clark Howard and Mark Meltzer discuss how to spend less than you earn and avoid debt. The book covers home and travel savings, banking, car fuel choices, impulse buying, and using airline deals to cut costs. Howard urges thoughtful consumer choices to gain financial strength.
MENTIONED IN THIS ARTICLE
Atlanta
Clark Howard
Clark
Howard
Mark Meltzer
Meltzer
New York Times
Starbucks
Get Clark Snart Savings Tips and Insurance Advice
This summary outlines advice on improving credit by paying bills on time and clearing total debts. It warns against prepaying funerals due to potential changes in circumstances or funeral home failure, and advises checking a builder’s reputation before purchasing a home. For used homes, suggest a $50 monthly repair fund. It notes term life insurance pays only on death while whole and universal life include investment components, and recommends off peak travel for cheaper flights and hotels.
MENTIONED IN THIS ARTICLE
Term Life Insurance
Whole
Universal Life
Health coverage options for unemployed readers
A summary of COBRA and HIPAA basics for those who lose jobs. COBRA extends group coverage up to 18 months with possible 36 month extensions. HIPAA protects pre existing conditions but requires a break to risk protection. State conversion and small group laws vary. after COBRA, HIPAA or state plans may apply. Readers questions address bankruptcy, creditable coverage, enrollment, and eligibility rules with contact points for CMS and PWB A.
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HIPAA
Florida
Centers For Medicare & Medicaid Services
Department of Labor
Office of Health Plan Standards and Compliance Assistance
PWBRA
IRS
Cis
Bhs
Hipaal
Pension and Welfare Benefits Administration
Askpwba.dol
Living trusts grow in popularity for estate planning
A Knight Ridder overview explains how living trusts shield assets from taxes and probate. It highlights why many turn to them, notes benefits, and points to multiple online sources such as Federal Consumer Information Center Kiplinger It’s Legal Legaldocs Quicken for guidance and common pitfalls in establishing a trust.
MENTIONED IN THIS ARTICLE
Federal Consumer Information Center
Pueblogsa.gov
Eie
Kiplinger.com
Itslegal.com
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America
General Motors
Ford
Chrysler
Clarkhoward
Tlio Bales
Clark Snart
The
the Color of Money
Michelle Singletary
By Chuck Myers
Knight Ridder Newspapers
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