There's gift I've ever received has to be a bike when I was younger, a pedal bike.

It was a sort of slick little road bike and I remember it was all like it was so it was all wrapped up

but it was so obvious what it was obviously because nothing shaped like a bike and I had a little ribbon on it

and I was so excited. For that was a life changer and I'm still sort of big on cycling around my area now

so for that one change me a little.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where I'm wishing to serve you and empower you

to make better financial decisions in your life.

Today I have not won but two special warnings for you.

The first deals with Medicare and something that has been so confusing to people when they are approaching the age of Medicare eligibility 65

and also want to talk about an alarming trend in mortgages.

I want to give you a pretty simple rule to follow on that and before I launch in to talk about Medicare

I wanted to mention to anyone who is an AT&T wireless subscriber AT&T in an unprecedented move is busting the rate plans of people who have been with AT&T a long time

and pushing through increases from somewhat marginal to a lot of people around 15% increase in your monthly cell phone bill.

Now this is something that AT&T feels that people have become such creatures of habit that they stay with whoever they're with for cell phone service

and they can push through these big increases and what's unprecedented is historically with the big cell phone carriers when you're in a rate plan

you're basically grandfathered into it.

Whatever you signed up for you keep that price moving forward but AT&T there's nothing in the contract that prevents them from breaking that tradition.

So our terms of service actually so now AT&T is pushing through these increases from modest to very large.

So are you going to sit there and take it from AT&T?

Are you going to be that person with inertia that creature of habit? Well it's your choice because you're sitting duck to have to pay more money at a time that inflation is robbing from our spending power.

This is a time you should re-shop your cell phone service before the AT&T price increases go in generally for most people in the month of June.

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