Is now the time to refinance your mortgage? Only if you meet certain criteria. Clark breaks it down.  Also - Are you with what Clark calls a Giant Monster Mega Bank? If so, you may be paying fees you don’t have to! Clark’s overview of the banking industry makes it clear, the regional, super regional and giant banks are not your wallet’s friend. Hear how people are migrating their money in a way that’s comfortable for them - a method called “soft switching”.  Mortgage Refi Guidelines: Segment 1 Ask Clark: Segment 2 Banish Bank Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How and When To Refinance Your Mortgage: A Step-By-Step Guide Mortgage Refinance Calculator - With Cash Out and Points What Can I Safely Use for Peer-to-Peer Payments? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion How To Switch Banks in 4 Simple Steps Best Online Banks: Free Checking and High-Interest Savings Accounts Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab Costco Travel: 5 Things To Know Before You Book When Do You Need a Travel Agent? Clark's Christmas Kids Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices