heinieheinie. it drives me crazy when people live an all-flash, no cash lifestyle. you see that on tv, but there's one reality star person who doesn't live that way. i'm going to share her story with you in this next 30 minutes. >> ever since i can remember, i've been fascinated with money, make it, saving it, studying it. by the time i was 31, i earned enough to retire. i embarked on a new mission, helping you take care of your money, so you can save more, spend less and avoid getting ripped off.

i am so excited for you. why? because i'm going to help fatten your wallet. the cell phone industry has spent this year of the recession in an all-out, knockout market share war with prices going down, down, down. now, they are what are known as two-tier players and traditional bids. tier twos are companies you may not have heard a lot about, but they're all offering unlimited calling plans generally in the range of $40 to $50. but the traditional big companies are losing customers to these players and they're coming up with better and better deals, usually with asterisks. at&t, you get a big slue of minutes, call anybody on at&t's network, and select five most commonly called numbers and talk to those people unlimited. about 70% of all calls that

individuals make are to just five numbers. sprint has also come out with a new rate plan. key to you? shop your plan, whoever you're with. they don't volunteer these new offers for you. you look for them. there are lots of ways you can save money. do you have a money-saving question for me? sam, you have been dealing with some debt in your life, i gather. >> caller: yes, sir. for the past ten months, i've been in and out of the hospital with some major health problems. >> how are you feeling now, sam? >> caller: well, i've had some amputations, and part of my -- both of my feet are missing, but i'm very blessed. >> you know, most people would not feel blessed to have had both feet amputated, so you have quite a wonderful attitude. do you know that? >> caller: yes, sir. i have -- before that time, my credit and all was really good, but not been able to work since

that time, and i kept my payments up. i just had one credit card, but it -- and i make my payments up until march, even though i was not working. but i've not made a payment since march. i've decided to call the credit card company and right off the bat, they came up to me. i was telling them that i had a friend that might possibly help me with this situation. >> that's just amazing that you have a friend who is so generous. >> caller: my bill was $23,000, and if i paid them this week, they would settle for $7,100. >> the credit card company may, in fact, issue you what's known as a 1099. did they mention that to you? >> caller: i have seen what the negative points would be. they did say that would happen. >> so, you would owe some tax, but certainly not anywhere near

$16,000. don't pay them anything until you have the agreement in writing. so, you need in writing from them -- not their words, but you need in writing that this will settle the account in full. >> caller: well, i will say this. i have actually already asked them about that, and they said normally that that does not happen. >> oh! they got not a cent of your friend's money, not a cent. not a cent until you have in writing that this deal equals payment in full. don't let them pull one over on you. kristin, my job is to help you with this financial dilemma you've got. tell me about it, if you could. >> caller: it's not really a dilemma yet. i wanted your advice because you're so good at this stuff. my husband and i bought a foreclosure last year. >> congratulations. >> caller: thank you. it was fun. we fixed it up. we bought the crumbiest one we

could find, fixed it up. we were going to flip, but then house prices started going down. we thought we'll just rent it out. we have a heloc on our house. about three years ago, we got an equity line on our house before everything fell apart. >> and you used that heloc to buy the rental property? >> caller: bought it for cash. >> how much did you pay for the rental? >> caller: paid 113,4. >> okay. >> caller: then we put 12,000 into it. and it appraised in march for 160. >> congratulations. >> caller: thank you. my husband is concerned. he doesn't want to leave a lot on the heloc because we don't know what's going on with the economy. his thinking, he would like to sell it, pay the heloc totally down. >> let me tell you why i disagree. it feels to me like you're

snatching the feet from the jaws of victory. >> caller: right. >> you went into this process, bought this foreclosure, always intended to buy a foreclosure, got a good deal on it. marketplace is at pretty much its low point and although things could fall a little bit from here, they're much more likely from here to start the long, slow process of recovery. i think you go through all that effort of buying the place, fixing it up, and turning around and selling it, you miss the real opportunity for you and your husband, which is the patience required to benefit from the market going up later on the home prices, which eventually they will. >> announcer: next on "clark howard" -- >> we want to be able to make sure we have enough to retire on and balance that with savings, whether it's house improvement, college for our son. >> you think like a business woman. >> i have to, because it's like

if i don't make things happen, then who's going to do it? [ telephone rings ] [ ring ] [ "catch the wind" plalays ] what is the sign of a good decision? in the world of personal finance, it's massmutual. find strength and stability in a company that's owned by its policyholders. ask your advisor or visit massmutual.com.

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how much in interest charges, like what percent, are you paying on your credit card? >> caller: 25%. >> 25%? >> caller: yes. >> 25%? >> catch that, and a lot more this sunday at 4:00 pm on "clark howard." bonnie is with us. hi, bonnie. how are you doing? >> caller: i'm great. thank you for taking my call. >> sure, bonnie. >> caller: i got a phone call a few minutes ago from someone

who said that they were calling from walmart and that i had won a gift certificate and a digital camera as a customer appreciation prize. i listened to him for a few minutes and then he wanted to verify my address and -- that was the correct address, but then he asked me for my birth date and i said, why do you need that? and he said, well, are you over 18? and i said yes. and he said i would get a package in the mail the next day and all i had to do was send him $5.95, shipping and handling fee. and i asked him, if i have to pay for it, then it's not a gift and it's not free, and i questioned him again, and he hung up on me. was that a legitimate call? >> oh, no. and this tie-in with walmart had started out as an e-mail scam that first came to our attention, and you're the first person i've heard from that it

morphed into a telephone conversation. it is no more legit by phone than it's been with the scamsters on the web. walmart has nothing to do with this. they are just being thrown out there as a well-known and recognized name to lend credence or legitimacy that this is a legitimate prize that you have won. the most important trigger in your phone call was, the second somebody starts asking you for any money at all, after you have supposedly won a prize, that's when you know you haven't won, you've lost, and nothing but trouble will follow. >> i would love a chance to answer your question, but you've got to know how to ask it. this is what you do. you go to cnn.com/clarkhoward and click on the video submission. submit your question and, who knows, you might be with me just

like michael and holly. let's watch their story. >> my name is michael, this is my wife, holly, and we need a money coach. we've been married for 15 years. the only major expense that we have is our house. both cars are paid for. we have credit cards, but don't keep a balance. we try to stay on budget every month. >> we are saving toward our retirement, but want to make sure we have enough. since we're in our 40s, we put around $700, that's includes what the company does, in the 401. >> my question is, how much of a percentage of our income is good for retirement? >> okay. you two are amazing. i don't know what kind of magicians you are, with all the family obligations you have, that you have managed to live your life with so little debt and somehow you're able to squeeze out saving 15% effectively of what you make?

this is extraordinary. for the two of you, continue on the course you're on. when the kids are out of the house, at that point you want to boost your savings for retirement. but you stretch a dollar so far, to expect any more from you -- come on. give yourself an a plus. how about for you? i mean, here we have a couple that is doing everything that they can to live life within a tight budget and still managing to save what's effectively with the employer match, 15 cents of every dollar they make. think about in your life, if you feel you never have any money that you can put aside for a rainy day or retirement, guess again. just look at where all of your money is going, and i bet you can follow their example and save much more than you think. >> next on "clark howard" -- >> when they interviewed me to be part of the show, i told them

right up front that i'm not the type that's going to be spending my money on crazy stuff. >> think how many times you or i intended to file a rebate, didn't do it on time or did do everything that was expected of us and somehow the money never materializes. i'm lindy. and i'm joni./ we've been best friends since we were two. we've always been alike. we even both have osteoporosis. but we're active. especially when we vacation. so when i heard about reclast, the only once-a-year iv osteoporosis treatment, i called joni.

my doctor said reclast helps restrengthen our bones to help make them resistant to fracture. and reclast is approved to help protect from fracture in more places: hip, spine, even other bones. (announcer) you should never take reclast if you're on zometa, have low blood calcium, kidney problems. or you're pregnant, plan to become pregnant or nursing. take calcium and vitamin d daily. tell your doctor if you develop severe muscle, bone or joint pain or if you have dental problems, as rarely, jaw problems have been reported. the most common side effects include flu-like symptoms, fever, muscle or joint pain and headache. nothing strengthens you like an old friendship. but when it comes to our bones, we both look to reclast. you've gotta ask your doctor! or call 1-866-51-reclast. year-long protection for on-the-go women.

patrick is with us. hi, patrick. >> caller: hi. who are you doing? >> great, thank you. what's going on, patrick? >> caller: well, i have a student loan and i've listened to your show for a long time, but you said there's some new forms or something in june of this year that they started -- was available, i guess, in july? >> yes. it's an entirely different way of treating student loans and it's the income-based repayment plan, and it only has two elements to it. if you have a traditional federal student loan, your payments are based on your income. so if somebody is unemployed, believe it or not, you can

petition and you're considered to be current, even if you're not paying. if your wage goes up, you have to pay more. if your wage goes down, you're required only to pay less. but there's more to it as well. listen to this. if you go to work for a charitable organization, a nonprofit or you go to work for government, if you make all your payments for ten years, under the income-based repayment formula, at the end of ten years, all the rest of your loan balance is wiped out. if you go to work for a private company, a traditional for-profit company, instead of ten years, it's 25 years. now, at clarkhoward.com, i have a guide to this that you can look at, and there's also a more complete, but not as easy to understand guide, on the website of the u.s. department of education. you go to student -- you don't

do www. you do studentaid.ed.gov. when you get there, you'll see there's an entire portal called repaying your loans. and it will take you step by step for each kind of loan you have, what types of repayments are available, how they're calculated and all the rest. the most important thing to know is that this is for federal student loans, subsidized and unsubsidized, not for private loans. >> my wife loves the train wreck also known as "the real housewives of atlanta." i started watching it with her and it was driving me crazy. how could these women blow so much money? but one member of the cast, candy, has a different approach to a dollar, how to stretch it. and, recently, she stopped by

the studio and shared how she handles money with me. i have worked and made my own money, and it's not because of someone else's money or my husband or somebody else's money that got me where i am. so, i have to be very careful on how i spend it, because i am the br breadwinner as far as, you know, taking care of my mom and my family and stuff. >> now, you are a grammy award winner? >> yes. >> what was that like? >> oh, that was extremely exciting. i write songs and hits for other artists. so that's where most of my money came, from publishing and song writing. >> so you are -- i'm listening to you talk and you think like a business woman. >> i have to. because if i don't make things happen, then who's going to do it? >> well, i've always said through the years that it's never what you make, it's what you don't spend.

>> i agree with you in a sense, but at the same time, you have to spend money sometimes to make money, i feel. especially if you're not in the typical type of career where you have a 9 to 5 and you know you're going to get that check every week. you have to make decisions that, you know, where you could still make money for the long run. >> all right. and you keep that thought in your mind that you are going to have money at the end of the day instead of be broke like these other folks? >> someone told me when i was real young, good credit is better than bad credit. always have one house or one car that you own, so you can always have a place to live and a way to get around. >> good advice. >> that's my motto. if you can pay your house off, do it. if you have extra money, pay it to the principle so later on down the line, if you're not doing as well as you are right now, hey, you've got a few years knocked off.

>> great job, candy. thank you very much in continued success. >> thank you. if you are considering buying something because it's a great deal after rebate, you need to follow my strategy, which is only buy something if the rebate is like icing on the cake. why do i say that? well, here's another example. the attorney general of the state of florida is suing companies that purposely has not been paying rebate money for people that qualify. and over the years, think how many times you or i may have intended to file a rebate and didn't do it on time, or did do everything that was expected of us and somehow the money never materializes. rebates are there to trick our brain into thinking we're getting something better than we

are. let's go full circumstanle here. let's buy a deal as it sits. >> inheritance task only becomes an issue if you're loaded with dough. are you sit tlg on piles and pi piles of gold and money and houses and all that? >> i'm not. dddddddddd%

ever since i can remember, i've been fascinated by money, making it, saving it, and studying it. by the time i was 31, i had enough to retire. so i've embarked on a new mission, helping you take care of your money so you can save more, spend less, and avoid getting ripped off. >> in recent years, people are using a visa card or mastercard that's a debit card more than they even use credit cards. debit card debits directly from your checking account. it's a great way for you to control your spending, if you

use plastic for credit and then you can't pay the bill. >> however, there is a big danger with these debit cards. listen to what it is. do you know that most banks will approve a purchase with your debit card even when they know you don't have money on the account? why? so they can generate overdraft charges. and listen to this eye-popping number. according to the federal government, the effective interest rate of using a debit card where you overdraw is a 3,500% interest rate for the fees you're charged. so know this. your bank or credit union may approve a purchase for which you don't have the money, but it's going to cost you a ton in overage fees. you've got to keep track of your balance. if you're not going to do that and you might run overages, what should you do? go to plain, simple cash.

when you're out of cash, you'll know it. and now i'm ready for your questions. what have you got for me? tonya is with us. what is going on, tonya, in your situation? >> caller: well, i'm looking at possibly doing bankruptcy or debt consolidation. i'm not sure which way to go. my current job right now, because of the economy, i'm getting my hours cut. what i bring home per month just barely makes it. i don't have my -- my credit cards are not late. i pay them every month. but it's killing me. i have no money left over at the end of the month. >> how much in credit card debt do you have? >> $30,000. >> with the hours cut back, what would you guess your income is right now? >> approximately $42,000. >> when you've reached a point where your credit card exceeds 50% of your annual income, you

cannot handle it. >> caller: okay. >> with the income you have. the first option you should do is just pick up the phone, call all your credit card companies. how many are there? >> caller: eight. >> eight? wow! you can call all eight of the credit card companies and say the exact same thing. you say my hours have been cut back. i can't even make minimum payments to you anymore. i can maybe resume paying you when i get a better job or my income goes up, but i cannot pay you right now. now what will happen today, that would not happen in the past -- believe it or not, credit cartilage companies may in fact -- many, if not all eight of them, will make you an offer on your debt. the second thing you can do is you can go to an affiliate of the national foundation for credit counseling.

>> caller: uh-huh. >> and they can possibly do what is known as a hardship dmp, which stands for debt management plan. >> caller: okay. >> they would contact your eight credit card companies. lay it out for them. what you look for is they mark the interest down to 0% on all cards. and if you're not paying any interest, carrie, it becomes easier for you to honor your debt. either of those options are far preferable to the third, which is filing for a bankruptcy that stays with you until 2010. >> hello, carl. >> hi, clark. >> how are you doing? >> caller: better than i deserve. quick question. basically last year i retired from the army. >> thank you for your service to our country. >> caller: thank you. and basically did all the

transition and got hired by a developer, and everything was going great until i found out that they're doing layoffs in october because they don't have another contract for us to work on. >> okay. >> caller: i started a job search and i actually got a job interview for 65,000 down in florida. but i also have an interview tomorrow for veterans administration position there. which i like because the government has the benefits and, you know, it's federal government and employment is not as fragile. it will be 15,000 to 20,000 less than i could make in florida. i feel like i can quickly move up the system and i'm trying to weigh the benefits versus the pay versus orlando versus the v.a. >> you have 20 years in the army? >> caller: yes, sir. >> so you know the system,

you're very familiar with it. you'll be able to help your fellow soldiers by working for the v.a. >> caller: yes, sir. >> and the thing is that what you trade in for current income, you gain back in long-term financial security and job security. >> caller: yes, sir. >> because you're an insider -- think about it. you went straight from wearing the uniform to working for a defense contractor. it's in your blood to be in some way involve d in military affairs. and when i listened to what you said, it sounded to me like taking the opportunity with the v.a. was the right thing for you, because it offers you that security, and you're somebody who likes to stay one place. you stayed 20 years with the army. you didn't have to. and so i think being involved with the military, as you would continue to be able to do, is your ticket.

next on "clark howard" -- >> my financial goals are live a very stable life and to be able to pay my bills as they come in in and not have to really worry about any finances. >> she proceeds to tear it off, crinkles it up and throws it in the trash can. >> where anybody can reach in and get it, and steal your identity. >> caller: exactly. ♪

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♪ and slower. ♪ elk mountains, colorado. where's yours? 100% natural nature valley granola bars. the taste nature intended. jean joins us. hello, gene. >> caller: how are you doing, clark? >> great, thank you. what's going on in your life today? >> caller: had a little experience today. had a big box store, had a liquor store. wanted to bring my empty keg in,

and the state we live in, you have to fill out paperwork. i take back the empty keg, he gives me the paperwork from the keg i filled out previously. i go get the new keg in the back, come up front, go to the cashier. there's a copy of my license on one of the papers. all the information front page, she proceeds to tear it off, crinkles it up and throws it in the trash can. >> where anybody to reach in and get it and steal your identity? zb zbrk. >> caller: exactly. i talked to the manager and he said, oh, yeah, we shred those pieces of paper. and i said, i don't think mine is going to get shredded because she crinkled it up and put it in the trash basket. >> think about how many places that have our information and

are so careless with it. if you want to do something about this, i would call the beverage control board or liquor board, whatever it's called in your state. and i would call and say, have you considered requiring a procedure to destroy people's personal information later that is in store hands instead of their hands? because i can understand, based on what you gave me as an example, that the state wants to make sure that somebody is not running an illegal bar. >> caller: right. >> but there should be some requirement that the state imposing on the liquor stores that the information, in fact, be properly disposed of or stored so that you don't have the identity theft problem. so you're fired up about it. you're the one who can make a difference. the sloppiness out there, that continues in an era that everybody is aware of identity theft, never ceases to amaze me.

it's time for "money coach." that's where it's time for you to ask me questions about your wallet. go to cnn.com/clarkhoward. click on video submission. you submit that question, next thing, you might be like jenny here, asking me your question. let's watch her story. >> hi. i'm working my way through college and i need a money coach. well, i work full-time here at cabela's, and i support myself, and i basically live just day-to-day. i have a small savings account that i do want to keep up and don't want to lose. my biggest concern is retirement. i want to make sure that i'm able to retire at a decent age and enjoy my life when i get older. my personal goals are to graduate from college with my bachelor's degree of administration. and just to live a very nice, successful life. my mother, brothers and i will be receiving a little bit of money of about $10,000.

i would like to invest my money and get the best return. what is your advice for this? >> jenny, congratulations. with how you are with your money. here you are working at a store. what i would do with that money is wipe out your credit card debt. that's going to leave you several thousand dollars and i would divide that into two piles. one, a rainy day account. put the money in the best place like a bank. second, take the other half of the money that you have left, and open a roth account. that's a tax-free savings account where you put in after tax dollars. everything you earn is tax-free and you spend it tax free in retirement. you can put up to $5,000 each year in i roth and you are

allowed at any time to withdraw the money that you contributed to it tax free and interest free. you must leave your earnings in the plan. if you did need the money for a down payment for the house or something like that, you have it as a stash of cash. i would rather you leave it alone, but if you need it, you can pull the money out. >> next on "clark howard" -- >> i'm noticing when they report it to the agencies that there's a very low balance and my score shot up 30 points in 15 days. >> you are a genius. if you're going to college, or back to college, that's your bullseye. it is for devry university students. in fact, for more than 30 years, 90% of all graduates in the active job market... had careers in their fields within 6 months. 90%. and all those offer letters up there? that's just from last year. devry university. discover education working at devry.edu. stay any 2, 3, or 4 nights

between september 13th and november 22nd, and you can earn double, triple, or even quadruple points when you pay with your mastercard card. triple-a members can get even more. better values, best western. for details, visit bestwestern.com. upbeat rock ♪ so i could hear myself myseas a ringtone ♪hone ♪ ♪ who knew the store would go and check my credit score ♪ ♪ now all they let me have is this dinosaur ♪ ♪ hello hello hello can anybody hear me? ♪ ♪ i know i know i know i shoulda gone to ♪ ♪ free credit report dot com! ♪ that's where i shoulda gone! coulda got my knowledge on! ♪ ♪ vo: free credit score and report with enrollment in triple advantage. oh yes hi. can you put my grandma on the phone please? thanks. excuse me a sec. another person calling for her grandmother. she thinks it's her soup huh? i'm told she's in the garden picking herbs., she is so cute. okay i'll hold. she's holding. wha? (announcer) progresso. you gotta taste this soup.

cecelia is with us. hi, cecelia. >> caller: hey, clark. >> how are you? >> caller: i'm doing well. my question for you is, i am a member of a credit union and i got a letter in the mail and they want to switch deposit insurers from the federal government to a private company, and i don't know. >> they want to leave ncua coverage? >> caller: they do, yes. my credit union that i'm a member of. >> i am not comfortable with that at all.

are they making it up for a membership vote or are they just telling you? >> caller: no. it will be -- they are persuading us, but they did say it's definitely going to be up for a vote. >> vote no. >> caller: vote no? >> this is really odd timing. >> caller: yes. >> for a credit union to choose with people's insecurities, credit unions, almost none have failed anywhere. and to not have the safety net of the ncua, which is the credit union equivalent of fdic -- >> caller: that's right. >> i don't understand at all. what justification do they give for leaving the federal nest? >> caller: well, it's funny you say that, because, you know, in the letter they say they're going to be assessed a premium up to like $675,000. it says it's like .15% of all their insured shares. >> no. they should just pay the premium. >> caller: thank you.

>> you know, the banking system is short on money because of all the failures of financial institutions and so there are these assessments hitting financial institutions, and that's what this is part of. and that is not a good reason to go from a federally insured credit union to going to not having the full faith of its members. i would tell you that they are making a big mistake and encourage you to vote no. in fact, if the vote passes, i would take my money out of the credit union and not hang with them, and i would hope that other members would realize the risk that they would be taking, and also vote no. david is with us. what are you thinking about doing with your credit card? >> caller: hey, clark, you make me look so smart to the person that matters most to me, my

wife. i keep getting brownie points. i found out that over the last month my credit score went up 15 points and i noticed how i did it, by raising it, by looking at the balances and i follow my balances every day and pay it off every month and i don't carry balances but i use the cards heavily. and so what i do is i pay the balance before the credit card company can report it to the credit agency. because i thought that, you know, if i paid my credit cards off, the day they were due or when they asked for it, that anybody looking at my credit card report would see that i'm paying off my balances. >> no. they see the high balances that it was when the statement closes. >> caller: right. so then i said, wait a minute. i don't want them reporting any balances to the credit card agencies. why don't i just pay these things off way before they're due? so, there's a lead time. i pay them off 10 to 15 days ahead of time and when they

report it to the agencies, there's a very low balance and my score shot up 15 points in 30 days. >> you are a genius. as you probably have heard me say, it is 30% of your credit score. what you are manipulating by paying the bill before it's due, and for anybody in a position to pay balances in full, it is a great habit to get into, especially six months before you might buy a home. you want to do everything you can to boost your credit score all the way up to the point you close on the new home, the mortgage on the new home. and doing exactly as you instruct, david, is going over time to make potentially a few dozen points difference in somebody's score, which can make a big difference in what mortgage rate somebody has for 15 or 30 years. so, you are -- tell your wife you're a gentleman and a scholar. you're both!

if you don't have health insurance or you are the equivalent of underinsured where you need nonemergency treatment or surgery that is very, very, very expensive in the united states, do you know there's an alternative to financial ruin? in fact, baron's magazine reports it's booming. it's where you go overseas to a western-style hospital. you have 24-hour nursing in your room. you get the equivalent surgical procedure, but the bill is one-fifth to one-tenth the cost of what it is in the united states. this is known as, believe it or not, medical tourism. and it's become big business in thailand, singapore and india. but before you go overseas for surgery, you've got to know, you're going to have a big distance from your family and you've got to really check out the facility and the doctors who would provide the treatment. but it could keep you from being broke. next on "clark howard" --

>> it's always been a treem for me to have a beach property. i am very close to having a beach property. >> congratulations, because now we're moving from investing in an investment to investing in yourself. before i started this job, i admit, i had some doubts. probably a lot like you. but i like what i found. i think you will too. car for car, when compared to the competition, we win. simple as that. i just know if you get into one of our cars, you're gonna like what you see. so we're putting our money where our mouth is. buy a new chevy, buick, gmc or cadillac and if you are not 100% happy, return it. we'll take it back. that's our new 60-day satisfaction guarantee. and as always you'll get our 100,000-mile, 5-year powertrain warranty on every vehicle. that's how strongly we feel about our cars. and how committed we are to you.

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