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- Clark’s urgent new Airbnb rule (11 10 25)
Clark’s urgent new Airbnb rule (11 10 25)
Sally McDonald
November 10, 2025
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💵 Today’s Top Stories
 | Clark says to always film your rental car before you drive it off the lot. That way you don’t get stuck with a bill for preexisting damage. Well, now you need to do the same thing for short-term rentals. Read more. |
 | The government just updated its Series I savings bond rates for the next six months. Here’s the new (tiny) combined rate for November through April. Read more. |
 | Thank you to all the men and women who have served in our military. Here’s a list of free resources to help you with banking, debt, housing, insurance and more. Read more. |
 | Spam calls and texts are a huge annoyance (if not worse). This app can prevent some of them. But is it better than what your cell phone service provider offers? Read more. |
🏠️ Today’s Current Mortgage Rates
According to Freddie Mac, 30-year mortgage rates are 6.22% and 15-year rates are 5.50% as of November 6, 2025. The following chart shows the 30-year mortgage rate trend over the last year.
📈 Are We in a Dot-Com Stock Market Bubble?
Is the stock market in a bubble? And is it a bubble akin to the eventual dot-com crash?
It’s an in vogue topic that Clark and fiduciary financial advisor Wes Moss recently discussed.
There are too many angles to discuss the full topic in this space.
But one thing is worth noting: the current soaring stock prices, particularly for the “Magnificent 7” and other, major tech companies involved in A.I., the valuations are at least in part based on real, current revenue, not on “air” (optimistic projections of the future that may never come true).
The “blended” aggregate earnings per share for the third quarter are more than three-quarters reported among S&P 500 companies. And earnings are 6% higher than they were in Q2.
Earnings have beaten expectations by more than 10% on average, the best margin in four years. And that’s better than the average beat of 8.2% in Q2.
Some other data put together by Phil Rosen of Opening Bell Daily:
Earnings have grown double digits in five of the last six quarters
We’ve enjoyed nine consecutive quarters of year-over-year earnings growth
There’s a chance all 11 sectors of the S&P 500 report positive earnings for the first time since 2021
“None of that makes it sound like this is a good time for comparisons to the dot-com bubble,” Rosen said. “That said, robust earnings don’t negate the fact that the market is undeniably top-heavy.”
📊 Stat of the Day
🏡 40: Years old. As in the median age of first-time home buyers in the United States now. That’s an all-time high. The share of first-time home buyers also fell to a record low of 21%. The median age for all buyers sits at 59 years old.
💰️ Deal Alert: Today’s Top Deals
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🎙️ Podcast
It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, robocalls are out of control, but Clark says new tools are here to help! Clark discusses the latest free features for your phone that can automatically screen and filter out calls from numbers not in your contacts.
☎️ 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.
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