# Uncategorized **URL:** https://community.clark.com/c/uncategorized/1.md?page=2 [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) **Page:** 3 --- ## [Best thermal camera, need expert recommendations to choose](https://community.clark.com/t/best-thermal-camera-need-expert-recommendations-to-choose/9549)
**Author:** [@Flemmings234](https://community.clark.com/u/Flemmings234)\ **Replies:** 1\ **Last updated:** [July 17, 2026, 2:08pm UTC](https://community.clark.com/t/best-thermal-camera-need-expert-recommendations-to-choose/9549 "2026-07-17T14:08:51Z")
I researched the best thermal camera to find the perfect option for home inspections, electrical troubleshooting and everyday professional use. After reading expert reviews from trusted sources like Tom’s Hardware, PCMag… --- ## [Vanguard account lock UPDATE!](https://community.clark.com/t/vanguard-account-lock-update/9547)
**Author:** [@wagnerme](https://community.clark.com/u/wagnerme)\ **Replies:** 0\ **Last updated:** [July 16, 2026, 2:00pm UTC](https://community.clark.com/t/vanguard-account-lock-update/9547 "2026-07-16T14:00:56Z")
I received an email from Vanguard this morning to review the security of my account. After a few simple review steps, I was taken to a screen to lock all of my account with an Outgoing Transfer Lock. Done, simple! --- ## [Passkeys usage?](https://community.clark.com/t/passkeys-usage/9299)
**Author:** [@Jane](https://community.clark.com/u/Jane)\ **Replies:** 7\ **Last updated:** [July 16, 2026, 6:50am UTC](https://community.clark.com/t/passkeys-usage/9299 "2026-07-16T06:50:52Z")
I use a private window on Brave browser. I have set up a passkey for 2 sites, both large companies. However, I am constantly confronted with verification identity screens, like naming which pics have an object in them. U… --- ## [Closing an annual fee credit card for one that has no fee without affecting Credit Score](https://community.clark.com/t/closing-an-annual-fee-credit-card-for-one-that-has-no-fee-without-affecting-credit-score/9517)
**Author:** [@Tara](https://community.clark.com/u/Tara)\ **Replies:** 8\ **Last updated:** [July 14, 2026, 11:39am UTC](https://community.clark.com/t/closing-an-annual-fee-credit-card-for-one-that-has-no-fee-without-affecting-credit-score/9517 "2026-07-14T11:39:44Z")
I have a Southwest Chase credit card that has an annual fee, and want to change to a card that has no annual fee. How can I do that without affecting my credit score? --- ## [Looking for stand alone umbrella policy](https://community.clark.com/t/looking-for-stand-alone-umbrella-policy/7066)
**Author:** [@WJBertrand](https://community.clark.com/u/WJBertrand)\ **Replies:** 10\ **Last updated:** [July 12, 2026, 8:20pm UTC](https://community.clark.com/t/looking-for-stand-alone-umbrella-policy/7066 "2026-07-12T20:20:58Z")
Most of the companies I’ve contacted want me to bundle auto and home with them in order to buy an umbrella policy from them. I’ve got a really good deal on my auto insurance with Costco Connect and to instead bundle that… --- ## [Best electric toothbrush, Expert recommendations to choose](https://community.clark.com/t/best-electric-toothbrush-expert-recommendations-to-choose/7820)
**Author:** [@moe313](https://community.clark.com/u/moe313)\ **Replies:** 19\ **Last updated:** [July 12, 2026, 11:43am UTC](https://community.clark.com/t/best-electric-toothbrush-expert-recommendations-to-choose/7820 "2026-07-12T11:43:15Z")
I researched the best electric toothbrush to find the best one for daily use. After reading expert reviews from trusted sources like the new york times,healthline and cnet, two models consistently stand out as top recomm… --- ## [VPN Question..unable to access some WIFi networks…](https://community.clark.com/t/vpn-question-unable-to-access-some-wifi-networks/564)
**Author:** [@Jerryh](https://community.clark.com/u/Jerryh)\ **Replies:** 2\ **Last updated:** [July 9, 2026, 7:47pm UTC](https://community.clark.com/t/vpn-question-unable-to-access-some-wifi-networks/564 "2026-07-09T19:47:36Z")
I have recently downloaded a VPN. Seems to work fine at home, but as soon as leave the house, and try to get on another WI-FI network, it doesn’t seem work…is that typical? I also want to use it when I am overseas…. Any … --- ## [63 month auto loan](https://community.clark.com/t/63-month-auto-loan/8351)
**Author:** [@ByronNottingham](https://community.clark.com/u/ByronNottingham)\ **Replies:** 24\ **Last updated:** [July 9, 2026, 7:19pm UTC](https://community.clark.com/t/63-month-auto-loan/8351 "2026-07-09T19:19:00Z")
I couldn’t find this discussed already, so adding a new topic. Dear Wife and I recently purchased a new car and agreed to a 63-month loan since it is at 1.9%. This violates Clark’s number 1 rule on such loans: “The lon… --- ## [Time Shares and Medicare Advantage](https://community.clark.com/t/time-shares-and-medicare-advantage/9349)
**Author:** [@crench](https://community.clark.com/u/crench)\ **Replies:** 15\ **Last updated:** [July 9, 2026, 1:11pm UTC](https://community.clark.com/t/time-shares-and-medicare-advantage/9349 "2026-07-09T13:11:01Z")
I always hear the horror stories that they are both terrible. On the surface I don’t like them. Every single one that I know that has them is very pleased. What am I missing ? --- ## [Navy Federal cash rewards plus](https://community.clark.com/t/navy-federal-cash-rewards-plus/9520)
**Author:** [@glmyers](https://community.clark.com/u/glmyers)\ **Replies:** 0\ **Last updated:** [July 7, 2026, 3:13pm UTC](https://community.clark.com/t/navy-federal-cash-rewards-plus/9520 "2026-07-07T15:13:37Z")
I used this card for several years as my main credit card. It was simple to manage and the customer service was excellent. However, last year I switched to the $49 / year Navy Federal Flagship Rewards due to the Amazon … --- ## [SFGATE: "Safeway customers are livid over new 'completely useless' grocery bags in SF"](https://community.clark.com/t/sfgate-safeway-customers-are-livid-over-new-completely-useless-grocery-bags-in-sf/9178)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 11\ **Last updated:** [June 30, 2026, 7:01pm UTC](https://community.clark.com/t/sfgate-safeway-customers-are-livid-over-new-completely-useless-grocery-bags-in-sf/9178 "2026-06-30T19:01:32Z")
What does Clark Howard have to say about this situation in California? --- ## [Walmart + membership](https://community.clark.com/t/walmart-membership/9457)
**Author:** [@Tony\_Trevino](https://community.clark.com/u/Tony_Trevino)\ **Replies:** 4\ **Last updated:** [June 23, 2026, 3:45pm UTC](https://community.clark.com/t/walmart-membership/9457 "2026-06-23T15:45:59Z")
Once you get the membership - you are stuck with it til expiration That free Paramount + streaming is hard to figure out how I can use it. That free groceries delivery sounds good but many of the items delivered were wr… --- ## [New Shell Credit card comes with a big catch - I guess Clark isn't aware of the current fiasco](https://community.clark.com/t/new-shell-credit-card-comes-with-a-big-catch-i-guess-clark-isnt-aware-of-the-current-fiasco/9319)
**Author:** [@Terez](https://community.clark.com/u/Terez)\ **Replies:** 16\ **Last updated:** [June 23, 2026, 12:13am UTC](https://community.clark.com/t/new-shell-credit-card-comes-with-a-big-catch-i-guess-clark-isnt-aware-of-the-current-fiasco/9319 "2026-06-23T00:13:15Z")
Regarding the May 22, 2026 article, "Shell’s New Credit Card Offers Surprising Rewards That Come with a Big Catch", I guess Clark isn’t aware of the current fiasco with this card. This is summary is from what I’m current… --- ## [New Shell Credit Card has another big catch](https://community.clark.com/t/new-shell-credit-card-has-another-big-catch/9316)
**Author:** [@ljacobs](https://community.clark.com/u/ljacobs)\ **Replies:** 4\ **Last updated:** [June 21, 2026, 8:59am UTC](https://community.clark.com/t/new-shell-credit-card-has-another-big-catch/9316 "2026-06-21T08:59:51Z")
Clark’s email from today (3/22/26) had an article about Shell’s new credit card having a big catch, which turned out to be restrictions on how the rewards can be used, and that they expire. However, this card has anothe… --- ## [Best Credit Card for Everyday Use?](https://community.clark.com/t/best-credit-card-for-everyday-use/9414)
**Author:** [@zono1](https://community.clark.com/u/zono1)\ **Replies:** 6\ **Last updated:** [June 21, 2026, 8:57am UTC](https://community.clark.com/t/best-credit-card-for-everyday-use/9414 "2026-06-21T08:57:24Z")
Hi everyone, I’m currently looking for a good credit card for everyday spending and wanted to get some recommendations from people with real experience. My main priorities are: Cashback or rewards No annual fee if po… --- ## [Looking to Save More- What are your tips?](https://community.clark.com/t/looking-to-save-more-what-are-your-tips/7988)
**Author:** [@Ike](https://community.clark.com/u/Ike)\ **Replies:** 9\ **Last updated:** [June 20, 2026, 3:38pm UTC](https://community.clark.com/t/looking-to-save-more-what-are-your-tips/7988 "2026-06-20T15:38:55Z")
Hello all. We are a Dave Ramsey family in Baby Step 7. Paid off everything with modest jobs. I have been listening to Clark for a long while and now really looking to tighten up budgeting to hopefully invest even more. R… --- ## [Using Credit Cards is Always Better than Using a Debit Card](https://community.clark.com/t/using-credit-cards-is-always-better-than-using-a-debit-card/9455)
**Author:** [@Frank\_McEnulty](https://community.clark.com/u/Frank_McEnulty)\ **Replies:** 1\ **Last updated:** [June 19, 2026, 1:41pm UTC](https://community.clark.com/t/using-credit-cards-is-always-better-than-using-a-debit-card/9455 "2026-06-19T13:41:43Z")
Unless, I am paying with cash, which I do a lot, I use a credit card instead of a debit card because I truly do not have to worry about fraud and giving anyone access to my bank account. As long as you pay off your acco… --- ## [Research before ordering from Amazon’s Woot!](https://community.clark.com/t/research-before-ordering-from-amazon-s-woot/9448)
**Author:** [@MyTwoCents](https://community.clark.com/u/MyTwoCents)\ **Replies:** 0\ **Last updated:** [June 16, 2026, 12:36pm UTC](https://community.clark.com/t/research-before-ordering-from-amazon-s-woot/9448 "2026-06-16T12:36:15Z")
I had never heard of Woot until reading Clark’s article two weeks ago about ways to save on Amazon. Honestly, I didn’t expect much from it, as I had previously had a mediocre experience with Haul, but I was drawn in when… --- ## [The Evolution of Coffee... Keurig](https://community.clark.com/t/the-evolution-of-coffee-keurig/1040)
**Author:** [@PricePerformer](https://community.clark.com/u/PricePerformer)\ **Replies:** 12\ **Last updated:** [June 15, 2026, 3:26am UTC](https://community.clark.com/t/the-evolution-of-coffee-keurig/1040 "2026-06-15T03:26:24Z")
Does anyone remember the Percolator? It came in many sizes from the 2 cup to the 30 cup (Party size) or in my army time , the Motor Pool size. Then came drip Coffee Makers… you probably recall it as Mr Coffee although … --- ## [Receipts for HSA - Electronic only?](https://community.clark.com/t/receipts-for-hsa-electronic-only/9201)
**Author:** [@maudeflanders](https://community.clark.com/u/maudeflanders)\ **Replies:** 2\ **Last updated:** [June 14, 2026, 3:01am UTC](https://community.clark.com/t/receipts-for-hsa-electronic-only/9201 "2026-06-14T03:01:22Z")
We’ve started paying out of pocket for medical expenses to allow our HSA to build up. I’m saving the receipts electronically (PDF copies) so that I can submit them for reimbursement in the future if needed. Do I need to … --- ## [How to Tell If a Latex Mattress Is Truly Organic or Just Marketing Hype?](https://community.clark.com/t/how-to-tell-if-a-latex-mattress-is-truly-organic-or-just-marketing-hype/7816)
**Author:** [@arthurleo](https://community.clark.com/u/arthurleo)\ **Replies:** 2\ **Last updated:** [June 13, 2026, 12:32am UTC](https://community.clark.com/t/how-to-tell-if-a-latex-mattress-is-truly-organic-or-just-marketing-hype/7816 "2026-06-13T00:32:51Z")
Hey everyone, I’m in the market for a new mattress and leaning toward latex for the eco-friendliness and comfort. But I’ve noticed a lot of brands throwing around terms like " Latex Mattress ," “natural,” or “eco-certif… --- ## [Best Microwave Oven Under $200–$300? Looking for Recommendations](https://community.clark.com/t/best-microwave-oven-under-200-300-looking-for-recommendations/9397)
**Author:** [@johnvicky38](https://community.clark.com/u/johnvicky38)\ **Replies:** 5\ **Last updated:** [June 12, 2026, 2:45pm UTC](https://community.clark.com/t/best-microwave-oven-under-200-300-looking-for-recommendations/9397 "2026-06-12T14:45:32Z")
I am currently looking for a new microwave oven and would appreciate some advice. My budget is between $200 and $300, and I’m hoping to find something that offers good value for the price.After doing some research, I’ve … --- ## [480 to 670: Six Months Into Rebuilding My Financial Life](https://community.clark.com/t/480-to-670-six-months-into-rebuilding-my-financial-life/9372)
**Author:** [@Malaru](https://community.clark.com/u/Malaru)\ **Replies:** 1\ **Last updated:** [June 12, 2026, 12:25pm UTC](https://community.clark.com/t/480-to-670-six-months-into-rebuilding-my-financial-life/9372 "2026-06-12T12:25:53Z")
“You can’t build your way to the top if you don’t have a stable base, and the most stable base is made when you hit rock bottom.” My appologies but this post is my story and covers several areas so I did not have a clea… --- ## [Dead phone and it appears no backup](https://community.clark.com/t/dead-phone-and-it-appears-no-backup/9366)
**Author:** [@Alien](https://community.clark.com/u/Alien)\ **Replies:** 11\ **Last updated:** [June 10, 2026, 7:40pm UTC](https://community.clark.com/t/dead-phone-and-it-appears-no-backup/9366 "2026-06-10T19:40:19Z")
2 days ago my phone died suddenly. Its not the battery and not the screen according to a repair person. I’m stumped ! My Gallery app, Contacts app, memo app and Calendar app all have content that would be a serious lo… --- ## [Avocado mattress](https://community.clark.com/t/avocado-mattress/9400)
**Author:** [@tsm693](https://community.clark.com/u/tsm693)\ **Replies:** 0\ **Last updated:** [June 9, 2026, 1:18am UTC](https://community.clark.com/t/avocado-mattress/9400 "2026-06-09T01:18:09Z")
I just bought the avocado green medium and love it, anyone else?, how does it hold up? --- ## [Evaluatelifeinsurance.org](https://community.clark.com/t/evaluatelifeinsurance-org/9369)
**Author:** [@rich410](https://community.clark.com/u/rich410)\ **Replies:** 0\ **Last updated:** [June 3, 2026, 8:54pm UTC](https://community.clark.com/t/evaluatelifeinsurance-org/9369 "2026-06-03T20:54:59Z")
Clark used to recommend the web site https://evaluatelifeinsurance.org/ frequently. When I go there now (June 3, 2026), I get a Database Error. The last mention of it that I found in this community is dated 2024. Does it… --- ## [Washers and dryers](https://community.clark.com/t/washers-and-dryers/3044)
**Author:** [@LG007](https://community.clark.com/u/LG007)\ **Replies:** 20\ **Last updated:** [June 1, 2026, 10:03pm UTC](https://community.clark.com/t/washers-and-dryers/3044 "2026-06-01T22:03:07Z")
would like information on what are the best washers and electric dryers…top loaders and capcity for small house hold. thanks in advance --- ## [Tips for To-Go-Orders](https://community.clark.com/t/tips-for-to-go-orders/9351)
**Author:** [@mareinjax](https://community.clark.com/u/mareinjax)\ **Replies:** 2\ **Last updated:** [May 29, 2026, 8:58pm UTC](https://community.clark.com/t/tips-for-to-go-orders/9351 "2026-05-29T20:58:59Z")
When I order food for pickup, I’ll add a small tip on the restaurant app, if it’s a place I frequent. When the tip is included in the app, how is that tip distributed to the employee? I sometimes wonder if they are get… --- ## [What Setting Do You Keep Your Thermostat on During the Summer?](https://community.clark.com/t/what-setting-do-you-keep-your-thermostat-on-during-the-summer/582)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 53\ **Last updated:** [May 28, 2026, 5:27pm UTC](https://community.clark.com/t/what-setting-do-you-keep-your-thermostat-on-during-the-summer/582 "2026-05-28T17:27:19Z")
Clark Howard says he keeps his thermostat at 78 degrees during the warmer months. Clark’s got a Nest thermostat, which dials the temperature down a few degrees at bedtime. Tell us where you keep your thermostat in the su… --- ## [How can I proceed with a divorce in Austin from an absent spouse?](https://community.clark.com/t/how-can-i-proceed-with-a-divorce-in-austin-from-an-absent-spouse/9348)
**Author:** [@JohnRStallings](https://community.clark.com/u/JohnRStallings)\ **Replies:** 0\ **Last updated:** [May 28, 2026, 10:46am UTC](https://community.clark.com/t/how-can-i-proceed-with-a-divorce-in-austin-from-an-absent-spouse/9348 "2026-05-28T10:46:01Z")
Hi, I am looking for advice on navigating a ‘divorce by publication’ or default divorce from an absent spouse in Travis County. [Previous page](https://community.clark.com/c/uncategorized/1.md?page=1) [Next page](https://community.clark.com/c/uncategorized/1.md?page=3)