Today on the Clark Howard Show, we discussed the following:

Recalls: Simplicity Cribs and Aqua Leisure baby floats were recalled this week. You can find out the latest recalls at

Jobs and Unemployment: We’re at a 26-year high and the numbers aren’t getting any better. National unemployment is at 9.5 percent. But what about the millions of people who have just given up? By some estimates, unemployment is actually at 18 percent.

Dismal new construction and home sales numbers (we’re at an annual sales rate lower than even in 1965 for new construction sales). Why do I think we did a little better this spring? Super-low interest rates.

What you can learn from Michael Jackson’s financial life. You need a will. You need to spend less than you earn. And, you need to be really clear about guardianships for your kids.

New 125% refinancing rules announced Wednesday from the FHFA and Fed. Now you can refinance – except with higher fees and a super-high interest rate you may not want to.

We’re also discussing when and how to decide to refinance.

I’ll be online during the show, posting updates to today’s show notes. Above all, I hope you have a happy fourth of July weekend.

Listen live at

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You may register with the name removal file by mailing your name(s) and home address and signature in a letter or on a postcard to:
Mail Preference Service
Direct Marketing Association
P. O. Box 9008
Farmingdale, NY 11735-9008

You may register with this DO-NOT-CALL file by sending your name(s), home address, and home telephone number (including area code) and signature in a letter or on a postcard to:
Telephone Preference Service
Direct Marketing Association
P. O. Box 9014
Farmingdale, NY 11735-9014

Also, call 1 888 5OPT-OUT to opt out of having credit bureaus sell your personal information, which means you’ll receive fewer pre-approved credit cards in the mail.

Opt Out of Pop Up Ads

Are pop up ads driving you bananas? According to visitors, these sites will help get rid of a majority of pop up ads, though not all of them. Still, it’s great to do what you can to unclog your screen while online. – opt out of pop-ups – opt out of pop-ups