My vehicles are older every year and my insurance goes up every year,I have a high deductible and it isn't that much extra for full comp compared to none.
If you travel by air with a large amount of cash, there is a danger you will be pulled aside for special security screening. Worse, agents at airports have been seizing people's cash without a warrant or even good cause.
The 8 states with regulations to NOT allow auto & home insurance to be based on credit scores: California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon, Utah. Source Experian Credit Bureau Jan 2024
That scam is not an extreme case at all. That is standard practice in the industry. Never give any money to any "advisor." People just refuse to learn this lesson.
Ya know, Clark's diplomatic, take the high road, everything is hunky-dory approach (to most everything) makes me crazy sometimes in this Rip-Off-Everyone society. How can he not see what I'M experiencing? HOWEVER, I'll admit that his talk today on car insurance revealed that yes, indeed .. he's had boots on the ground on this subject. Thanks Clark, Krista and Team.
The auto insurance discount for taking an over 55 driving course is either 5% or 10%. It depends on your insurance company. You must take the course every 3 years and it is also instructor led (at this writing 8/7/24). 🙂
Wouldn't it be great if insurance companies lowered your premium year after year based on the depreciated value of your vehicles? They aren't quite that honest, but you can actually call them annually and have your policies reviewed and re-quoted based on the actual market value of your vehicles. This can save a quite a lot of money over time.
Thank you for your videos... BTC price has been volatile lately, but I believe it's crucial to focus on educating newcomers on strategies beyond simply holding through market dips. One advantage of this space is the ability to buy during dips and actively trade, generating profits while awaiting inevitable price increases. Many people lack a deep understanding of how this market operates. Charts cannot predict asset movements with certainty; prices fluctuate up and down. Despite this volatility, the market remains profitable.... I have managed to grow a nest egg of around 100k to a decent 732k in the space of a few months... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
In a field as rapidly evolving as cryptocurrency, staying updated is crucial. Linda’s continual research and adaptation to the latest market changes have been instrumental in helping me make informed decisions.
What was the name of the company that scammed the couple who won the lottery? Did he say the company's name is "Principle"? What are the names of the sales staff doing the scamming?
How much is enough. Not being a fiduciary with money meant to help sick children is shameful. Speaking of fiduciaries.. Our government should a fiduciary. Manage money for the benefit of the citizens not for the benefit of politicians. Let’s have a bill to do so !
Some people should not be on the road,there are PLENTY of people with several accidents and speeding tickets,suspended licenses still driving,many people cannot drive safely and causes everbody else's insurance to go up,until the courts get serious and remove these people from our roads insurance will get more expensive.
Yes, you do all the research and manage the money. See Bogelheads for one way. Note: While Vanguard is mentioned a lot, this method of low cost investing using index mutual funds and index ETFs, works with Fidelity and other discount brokers too.
@@ib12541 I checked too and it was such a minimal amount, I was not really deterred. (The first time you go it costs more; every 3 years after that it is just a refresh and it costs less) I take the instructor led course, too, btw, instead of the online. It is VERY informative, enjoyable & a chance to get out and interact with others. It was worth it to me. Plus, I did actually learn something! 😊
I had to get Polish Złoty and Euros and found a currency exchange in a mid size city, with a research university, 30 min drive away, that gave a good rate. I could not spend them all on way out of Europe so, went back and got a better rate back to dollars. If you just go to any old bank or the big, bad, main city bank, forget it! Search around for oddball currency exchanges in your city or nearby. I don’t know if this advice still stands but, I have to assume it does since money dates back to the Mesopotamian shekel 5000 years ago.
I have State Farm Drive Safe and Save. There is a little device that you attach to your windshield which communicates with your phone. The GPS and other sensors in your phone communicate with the app on your phone monitor mileage speed braking acceleration cornering and mileage. Also every so often I receive an email that I need to update via the app what my current odometer reading is. I guess this would allow them to verify you’re not leaving your phone home when you drive. It’s a bit of a nanny state thing but saves me currently about $190 every 6 months on auto insurance. I’m old now so I tend to drive much less and when I do I drive slower anyway so the monitoring is not that bothersome.
Before I switched auto insurance I asked them about raising the deductible to $1000 from $500. The agent told me it would make minimal difference, she mentioned an amount. It was basically nothing! So. 🧐
I don't understand why a credit score has anything to do with car insurance. America has backward thinking on certain areas of life vs other countries. Things keep going up and up i have to choose between groceries or keeping up with Hoa fines for my yard!
The person who reported mail for another person not at the address should try to report the error to whomever sent it...if possible, without opening it. There is a new scam involving people signing up for insurance fraudulently on the healthcare exchange using other people's info. I don't have all the details to share as I've just learned of this. Never ignore receiving mail at your address with a nonresident recipient!
The Costco crime is selling gold bars as an investment, which it never is! If you must own gold, do it via a low cost fund that holds it or mines it. But most investors steer clear of it.
If you sit back and assume God will take full care of you so you don't have to be worried or make any effort to manage your life in reality then you should expect to be taken advantage of.
Mr. Howard - I just shared this with my Facebook group and LinkedIn Account about the Lottery winners. I am now following you! Thank you for all your work.
Clark is my favorite financial advisor, because he gives clear and simple advice 😊
It doesn’t surprise me that Principal hasn’t apologized. That would mean that they admit to messing up/being the one to blame.
My vehicles are older every year and my insurance goes up every year,I have a high deductible and it isn't that much extra for full comp compared to none.
Exactly the same for us. It makes no sense. I'm definitely looking into the safe driver thing.
@@PoetiqueMs Most of the safe driver things want to monitor your driving.
If you travel by air with a large amount of cash, there is a danger you will be pulled aside for special security screening. Worse, agents at airports have been seizing people's cash without a warrant or even good cause.
That is a deep stain on Principal’s credibility 👎🏻👎🏻👎🏻i would never do personal business with Principal
The 8 states with regulations to NOT allow auto & home insurance to be based on credit scores: California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon, Utah. Source Experian Credit Bureau Jan 2024
All progressive liberal run States. They are on the ppl. Side. Vs RapepubliCONS who for the rich and corporate side.
That scam is not an extreme case at all. That is standard practice in the industry. Never give any money to any "advisor." People just refuse to learn this lesson.
Thank you for the video. Blessings to you.😊
I doubled the playback speed so it’s not so long
I am still finishing up the AARP safety course for my 10 percent discount.
Clark, senior citizens who are seeking jobs face so much bias and discriminations. Can you talk about that issue.
Ya know, Clark's diplomatic, take the high road, everything is hunky-dory approach (to most everything) makes me crazy sometimes in this Rip-Off-Everyone society. How can he not see what I'M experiencing? HOWEVER, I'll admit that his talk today on car insurance revealed that yes, indeed .. he's had boots on the ground on this subject. Thanks Clark, Krista and Team.
🥾🥾💚
The auto insurance discount for taking an over 55 driving course is either 5% or 10%. It depends on your insurance company. You must take the course every 3 years and it is also instructor led (at this writing 8/7/24). 🙂
Thnaks!
Wouldn't it be great if insurance companies lowered your premium year after year based on the depreciated value of your vehicles? They aren't quite that honest, but you can actually call them annually and have your policies reviewed and re-quoted based on the actual market value of your vehicles. This can save a quite a lot of money over time.
Thank you for your videos... BTC price has been volatile lately, but I believe it's crucial to focus on educating newcomers on strategies beyond simply holding through market dips. One advantage of this space is the ability to buy during dips and actively trade, generating profits while awaiting inevitable price increases. Many people lack a deep understanding of how this market operates. Charts cannot predict asset movements with certainty; prices fluctuate up and down. Despite this volatility, the market remains profitable.... I have managed to grow a nest egg of around 100k to a decent 732k in the space of a few months... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
She's often interacts on Telegrams, using the user-name.
@Lindawilburn
In a field as rapidly evolving as cryptocurrency, staying updated is crucial. Linda’s continual research and adaptation to the latest market changes have been instrumental in helping me make informed decisions.
Always backup your trading with a good strategy.
Nice, I was just hodling before I found Wilburn. In my opinion she is the very best out there.
Lottery winners are marked targets.
Great show 😊
Thanks Clark & Team! NNTR
The per mile insurance is higher than my standard rate.
Our company uses Principal for our 401K. I will share this article with HR. I’d like to get away from that company
What was the name of the company that scammed the couple who won the lottery?
Did he say the company's name is "Principle"?
What are the names of the sales staff doing the scamming?
Principal Securities
We just dumped Lemonade because they striped down the features when it was MetroMile. Went back to Progressive because we like the pulse tracking
What is the term pulse tracking mean sounds weird
Your ad vice as getting rid of a car to walk or bike. In areas of inclement winter weather or regions with high suumer temperatures.
How much is enough. Not being a fiduciary with money meant to help sick children is shameful. Speaking of fiduciaries.. Our government should a fiduciary. Manage money for the benefit of the citizens not for the benefit of politicians. Let’s have a bill to do so !
Some people should not be on the road,there are PLENTY of people with several accidents and speeding tickets,suspended licenses still driving,many people cannot drive safely and causes everbody else's insurance to go up,until the courts get serious and remove these people from our roads insurance will get more expensive.
Question for those getting rid of their vehicle....do you now give $$ to your friends and family when you hitch a ride with them?
You mentioned home and auto insurance, but you skipped umbrella coverage insurance. That product has REALLY skyrocketed. Any ideas on that product?
I live in Suburban Detroit and then one of the wealthier suburbs there is a foreign currency business where you can buy and sell for in currency.
Let me guess, not far from UM?
The term “fee only” is misleading. What’s the alternative - - “free” only?
Yes, you do all the research and manage the money. See Bogelheads for one way. Note: While Vanguard is mentioned a lot, this method of low cost investing using index mutual funds and index ETFs, works with Fidelity and other discount brokers too.
Great show, thanks
Do you know about how much typically per month Defensive Driver Classes save on auto insurance? Ballpark number?
@@ib12541 I checked too and it was such a minimal amount, I was not really deterred. (The first time you go it costs more; every 3 years after that it is just a refresh and it costs less) I take the instructor led course, too, btw, instead of the online. It is VERY informative, enjoyable & a chance to get out and interact with others. It was worth it to me. Plus, I did actually learn something! 😊
Depends on your insurance provider and state, but it can save between 5% - 20% of your premium. 💚
@@ib12541 Thank you
@@Clark Thank you 🙏🏼
What kind of 'extremely religious' person buys lottery tickets?
😂
@@AlgonquinPrincesswhat if the religious person wins ? Do you think the clergyman has their hand out looking for their take?
Mr. Rosenau and many others 💚
The assumption that anyone religious doesn’t make some light hearted bets? Like all the grandmas playing bingo. Eh.
It’s just like why would you save in 401k if you’re Religious enough to have faith in God that He will provide for you? 😊
I had to get Polish Złoty and Euros and found a currency exchange in a mid size city, with a research university, 30 min drive away, that gave a good rate. I could not spend them all on way out of Europe so, went back and got a better rate back to dollars. If you just go to any old bank or the big, bad, main city bank, forget it! Search around for oddball currency exchanges in your city or nearby. I don’t know if this advice still stands but, I have to assume it does since money dates back to the Mesopotamian shekel 5000 years ago.
How about buying bitcoin with foreign currency then sealing it in usd.
How does the insurance company monitor your mileage to see how much you are driving with the mileage program??
Probably a device or an app in your car that's connected to your GPS
I have State Farm Drive Safe and Save. There is a little device that you attach to your windshield which communicates with your phone. The GPS and other sensors in your phone communicate with the app on your phone monitor mileage speed braking acceleration cornering and mileage. Also every so often I receive an email that I need to update via the app what my current odometer reading is. I guess this would allow them to verify you’re not leaving your phone home when you drive. It’s a bit of a nanny state thing but saves me currently about $190 every 6 months on auto insurance. I’m old now so I tend to drive much less and when I do I drive slower anyway so the monitoring is not that bothersome.
Regarding the euros, can you not deposit them at your bank?
You mean, can you have a Euro account in the USA? Good question.
Great show, thanks for the helpful tips!
Before I switched auto insurance I asked them about raising the deductible to $1000 from $500. The agent told me it would make minimal difference, she mentioned an amount. It was basically nothing! So. 🧐
I think it saved me $7 or maybe $20. I forget. I did it anyways. A decade later, it adds up.
I sold my car. Cheaper to take a taxi.
I don't understand why a credit score has anything to do with car insurance. America has backward thinking on certain areas of life vs other countries. Things keep going up and up i have to choose between groceries or keeping up with Hoa fines for my yard!
The person who reported mail for another person not at the address should try to report the error to whomever sent it...if possible, without opening it. There is a new scam involving people signing up for insurance fraudulently on the healthcare exchange using other people's info. I don't have all the details to share as I've just learned of this. Never ignore receiving mail at your address with a nonresident recipient!
Good tip! 🙌
Thank you Team Clark.
Denton, you and only you are responsible for your finances. Do not hire anyone else to try and fix it for you. You will be fleeced.
If you're buying gold, nobody can help anyway.
The Costco crime is selling gold bars as an investment, which it never is! If you must own gold, do it via a low cost fund that holds it or mines it. But most investors steer clear of it.
Thank you!
I had two people using my address. I reported it to the theft department. No more mail. Also note to mail man and mail dept.
Hey Keith I live in Wisconsin and will be going to France soon
I don't get the euro thing. Not explained well. HOW would I be their bank???
Sell them your euro money
Great question to everyone “Why not do the right thing?”
Because capitalism Howard incentivizes you when you do the wrong thing.
Do NOT sell I-Bonds. Buy more!
If you sit back and assume God will take full care of you so you don't have to be worried or make any effort to manage your life in reality then you should expect to be taken advantage of.
Mr. Howard - I just shared this with my Facebook group and LinkedIn Account about the Lottery winners. I am now following you! Thank you for all your work.
Great information. Thank you.