From spending the day on crystal clear waters, soaking up the sun, to watching it set.

Chill, glass and hand over a sparkling waterfront.

Tampa Bay makes the most of the Florida sunshine, long pass sundown.

With so much to see and do, enjoy a sun-filled getaway to Tampa Bay in the gorgeous Gulf Coast.

Put now for 2024 with Virgin Atlantic holidays at your local store on the phone or at virginholidays.co.uk

Great to have you here on the Clark Howard Show where it's all about you and that quality

yours.

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

Coming up in a few minutes in today's Clark Rageous Moment, I have a special warning for

you about a scam targeting places of business where the risk can be magnified, the amount

of money lost can be intense.

I'm going to tell you what to look out for and how to avoid trouble.

And later, this Christmas is a free shipping bananza.

I'm going to fill you in on brand new developments that are going to make it much easier for you

if you don't want to fight the crowds at the stores and you just want to buy online.

So open enrollment is underway.

I gave a little briefing on open enrollment for health insurance a couple of weeks ago.

And I want to tell you now that open enrollment is here.

There are some changes this year that you need to know about and be aware of.

First of all, roughly one in six Americans by health care as an individual rather than

through an employer plan or through being of age to be on Medicare or through something

that's related to government, providing health coverage like Medicaid or whatever.

...