It's my pleasure to welcome you here to the Clark Howard Show where it's all about you

and that quality yours.

I want you to learn ideas to me so you can keep more of what you make.

Coming up in just a few minutes, wow, Apple has a system set up to help you as a parent,

monitor, and control how much screen time they have.

The kids are smarter than Apple, wait till you hear what I have to share with you.

And coming up later, as we move into the heavy Christmas shopping season, there's a new

warning about what hackers are up to that you need to know you need to be aware of.

I'm going to give you some precautions to take, particularly when you shop online through

the holiday season.

Clark.com is our main website and is being a deal for the holiday season.

Clarkdeals.com is where we post deals for you day and night for you to stretch every

dollar.

So I get my son up for middle school each morning at 6.40 a.m. and I can't even begin

to tell you what it's like trying to get him out of bed at 6.40 a.m.

And this is a story anybody with teenagers can relate to.

And teenagers tend to want to stay up late and sleep late.

It's part of their natural rhythm.

A lot of researchers believe that the circadian rhythms of a child are different than an adult.

And that kids benefit from, as an example, starting school later because they're going

to go to bed later.

You don't, a kid doesn't go to bed earlier because he or she needs more sleep.

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