Porch pirates are everywhere. Clark explains why package theft is so common and how simple strategies can help you keep your orders safe. Also, it sounds convenient — pay later for the things you want now. But Clark breaks down how these offers can trap shoppers in debt and why it’s smarter to skip the temptation this shopping season.

Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the November 3, 2025, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask

00:00 - Intro
00:58 - How To Safely Get Your Amazon Packages
06:05 - Ask Clark - A criminal tried to open a checking account in my wife’s name using stolen info, but our locked mailbox stopped them. Can Clark warn others that frozen credit doesn’t prevent this type of identity theft? (Charles in New York)
08:32 - Ask Clark - When’s the best time to buy tickets to Iceland for August 2026, and who did Clark fly with on his trip? (Denise in Virginia)
12:47 - Ask Clark - Kim Komando says freezing your credit isn’t enough and recommends using “NordProtect.” Is that true, or is a freeze still the best protection? (Theresa in Washington)
14:22 - Hidden Danger of 'Buy Now, Pay Later'
20:17 - Ask Clark - Is it OK to finance a new cell phone through Apple or a carrier at 0% interest if payments are automated and money is already set aside? (Matthew in Georgia)
21:40 - Ask Clark - Do “hospitalists” represent the hospital’s interests more than the patient’s? Is there a legal or financial reason behind this shift in healthcare? (Daryl in Georgia)
26:43 - Ask Clark - Are automakers like Toyota really starting to charge subscription fees for built-in features like navigation or remote start? (Vicenza in Colorado)

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