7.30.19 Buying term life insurance; Clark shares an inspiring story; Rules for financial freedom

7.30.19 Buying term life insurance; Clark shares an inspiring story; Rules for financial freedom

In the midst of seaside nuptials, a distress call occurs. A teen surfer is being dragged out to sea, as 2 others attempt a rescue. Groom Zack Edwards, a Coast Guard member, springs into action. All make it safely back to shore. Link to the video at Clark.com. Often we only get the bad news. Zack Edwards made the decision to risk his life for others.

What do you want to achieve? What's important to you?





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There's much confusion surrounding life insurance - Who needs it? How much? How do you go about buying it? Only ultra-high income earners might be candidates for whole life. Avoid universal life and variable universal life - those are recipes for disaster. Most people should have level term life, wherein the premiums do not change for the term of the insurance. The purpose is the replacement of income to provide for loved ones. Term life only pays in case of death and is easy to comparison shop for and buy.In the midst of seaside nuptials, a distress call occurs. A teen surfer is being dragged out to sea, as 2 others attempt a rescue. Groom Zack Edwards, a Coast Guard member, springs into action. All make it safely back to shore. Link to the video at Clark.com. Often we only get the bad news. Zack Edwards made the decision to risk his life for others.What do you want to achieve? What's important to you? The FIRE movement is getting backlash today against people who've set the goal to retire early by saving maximum money to do what they want in early retirement. Have the goal. Track your spending. Paying with cash makes for more mindful spending. For those who can't get spending under control, living on a cash basis only drastically reduces spending. Make sure to automate savings into your retirement accounts.Learn more about your ad choices. Visit megaphone.fm/adchoices Read more

Buying cars online vs. traditional dealers: Which is cheaper?

Online shopping has yielded big savings for people who opt to stay out of the stores, but what about when it comes to buying a car?

Although some people may prefer to visit their local car dealership rather than use their computer, savings can be found online, according to a new report.

Can you save more buying a car online or at the dealership?

Car search engine iSeeCars.com recently released a study that found people who bought vehicles online saved $185, or 0.8% on average. And some car models led to even more savings.

The site analyzed 2018 sales on more than 9.4 million used cars to come up with the results. Here are the vehicles that provide the biggest online savings, according to iSeeCars.com.

Admittedly, some people may be a little hesitant about making such a major purchase online. But for others, the high-pressure environment of a dealership is just as bad, according to iSeeCars CEO Phong Ly.

“Today’s car buyer wants to spend as little time as possible at the car dealership,” Ly is quoted as saying.

Ly says the best car-buying sites and apps can deliver significant savings, generous return policies and rigorous vehicle inspections.

Clark Howard: Here’s when you should go car shopping

Still, there may be some people who are just more comfortable visiting a car dealer — and that’s OK.

Money expert Clark Howard, who has bought a family car or two (or three), says it’s important that you be able to shop for a vehicle pressure-free. His advice is to check out the dealership after-hours.

“Look at cars when a dealership is closed, so there’s no salesperson to pressure you,” Clark says. “The best way to test drive a car is to rent it for a day or two. It’s the ultimate test drive.”

To learn more about the process of buying a vehicle, read Clark’s step-by-step guides for buying a new car and buying a used car.

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