Junk calls are out of control again. Want to stop them? These tips can help!
January 06, 2025 | Read Online | | | | Advertisement | | | The stock market may be up in 2025. But how much? Find out more later in this email. | | 💵 Today’s Top Stories | | | Junk calls are out of control again. Want to stop them? We’ve got options for you. Read more. |
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| | | Do you really need a traditional internet provider at the fastest possible speeds? Or is faster and faster internet a ruse to get you to pay more and more? Read more. |
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| | | Still missing Mint? Team Clark has updated their list of the top budgeting apps for 2025, including this new addition. Read more. |
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| | | Here are four ways you can find out your current credit score for free – and the credit score Clark says should be your target goal. Read more. |
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| | 🏠️ Today’s Current Mortgage Rates | According to Freddie Mac, 30-year mortgage rates are 6.91% and 15-year rates are 6.13% as of January 2, 2025. The following chart shows the 30-year mortgage rate trend over the last year. | | Refi Info | Mortgage Refi Calculator | | 📈 Stock Market Likely Up in 2025 But Not As Much, History Says | The S&P 500, a major benchmark for the U.S. stock market, gained 23.3% in 2024. That’s the 18th-best year since 1950 and the 15th time in the last 50 years it gained more than 20%. | During those 15 instances of 20%+ growth in the last five decades, the average return equaled 27.3%. | In the year after, the S&P 500 averaged 14.1%. | Considering the S&P 500 has turned negative in just two years – the last being 1989 – after a 20%+ gain, there’s some strong history to suggest it will be another pretty good year for the stock market (if not as good as last year). | Interesting that the year after the big year averages 14.1%. Because the average S&P forecast for 2025 across 16 firms is 14%. | Some potential contrarian factors: the possibility of resurgent inflation and the possibility of tariffs under the new presidential administration. | Of course, the year-to-year market price doesn’t matter if you follow Clark’s long-term, buy-and-hold, dollar-cost averaging strategy. | | 📊 Stat of the Day | | | 💰️ Deal Alert: Today’s Top Deals | | | | | 🎙️ Podcast | | Full Show: Why Clark Canceled YouTube TV and Make Returns ASAP |
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| Happy New Year! It’s our first full show in 2025! | YouTube TV’s base subscription package pricing will increase by $10 per month, from $72.99 to $82.99, beginning in January. As a result, Clark is canceling YouTube TV. He shares several ways to cut your streaming bill – potentially to $0! Also, retailers are making the process of returning items difficult. Some even charge to return an item! Clark says to return items in-store early to avoid issues. He also shares a deal prediction for January! | | | ☎️ Need Money Help? | The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information. | | Advertisement | | | | | |
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