This episode is brought to you by Network Rail.

It's easy to disappear into your own bubble when you're out and about,

whether you're lost in your thoughts or lost in nature.

The last thing on your mind is the danger of trains at level crossings.

Beware the bubble, stay aware, take care and help us keep you safe at level crossings.

Great to have you here on the Clark Howard Show where it's all about you and that wallet of yours.

Want you to learn ideas so you can save more and spend less and don't let anyone ever rip you off.

By the way, somebody's trying to get in your wallet, whatever.

Do you know we have free off the air advice for you?

It's available over 40 hours each week and you can call in.

Talk with a member of Team Clark, get an answer to your question, concern or get guidance.

The phone number hours available each weekday listed on the home screen at Clark.com.

Scroll down a little on your phone or your laptop and you'll see the number and hours.

Coming up in just a little while, talk about something that should be private that is constantly being breached.

And that's what money you got.

I'm going to tell you about that in today's Clark rage and later just because you can't, doesn't mean you should borrow against the value of your home.

I want to talk right now about a trend that is maybe your friend and can be your foe and you got to know the trends occurring in the marketplace.

And this came up with one of our staffers on the Clark team that they, supposedly before they worked on the Clark team,

they were texted about a job opportunity and didn't know whether it was a scam or not.

And the thing is, I know this is just weird beyond weird, but there are any of a number of employers now that instead of emailing about a job instead of using LinkedIn, whatever, they are sending out text to prospects.

Don't know how exactly they find their way to you.

And the text they'll send will be something on the lines trying to see if you're interested in interviewing for a job.

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