The Clark Howard Podcast

12.24.24 BEST OF: Retail Membership Considerations / Timeshare Scams Get Worse

5 snips
Dec 24, 2024
This engaging discussion addresses the growing trend of retail membership models, comparing offerings from major players like Target and Walmart. The conversation shifts to the alarming rise of organized crime in timeshare scams, targeting unsuspecting victims. Listeners gain insights on managing debt, including Parent PLUS loans, and the implications of debt settlements. The episode wraps up with travel tips, focusing on how to save money on hotels and flights, ensuring a festive and financially savvy season.
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ADVICE

Retail Membership Evaluation

  • Evaluate retailer memberships carefully, considering your spending habits.
  • Ensure the membership offers real value and aligns with your needs.
ADVICE

Parent PLUS Loan Repayment

  • Become your own expert on student loan repayment options.
  • Research income-driven repayment (IDR) plans on the Department of Education website.
ADVICE

Credit Card Debt Settlement

  • Negotiate reduced settlements on charged-off credit card debt, getting agreements in writing.
  • Be prepared to pay taxes on the forgiven portion of the debt.
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