Clark discusses the Apple & Google\xa0\u201ctoll gates\u201d\xa0and the potential advantage of signing up for subscriptions from service websites vs from in-phone apps. Also, expect heavy subsidies on the new Apple iPhones depending on your carrier. // A rethink of college relevance and new information and insights around college & skills training decision making.\xa0Also, employer subsidized education opportunities, income share agreements, and working while in school.\nAsk Clark topics include: Experian\xa0New Debt Collection Rule Allows Contact on Social Media / Roth IRA / Best Online Banks - Bankrate: The best online banks of 2021 / Debt Collectors May Soon Contact You By Text and Social Media. Here\u2019s What You Should Know - Your rights when dealing with debt collectors / Deadline Extended: Check Your Credit Report Every Week for Free / Could-Based Phone Systems \\\\\n\nWant more money advice? Sign up for Clark\u2019s free daily newsletter!\nFree Advice: Clark's Consumer Action Center\nLearn more about your ad choices. Visit megaphone.fm/adchoices