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

that wall of yours.

I want you to learn ideas to me so you can save more and spend less and don't let anyone

ever rip you off.

You got a question for me.

Go to Clark.com slash ask.

You want to try to ask me that question directly.

There's a box you'll see after you fill in your information.

You can check that you would like me to answer your question for you.

Otherwise we got lots of ways that we can answer your questions.

Coming up a little later, question for you.

Do you spend money on bottled water?

I'll tell you why in today's carcarrageous moment, that is not money well spent.

Yet later, a couple of changes coming in one of the nation's most popular states with

new fees for being on the road and new fees for you that you have to pay when you shop.

I'll tell you about it.

Right now I want to talk about the most momentous change that's happened in the investing business

in a long, long time.

One of the most significant changes I can recall and it is a new pricing model that has

just been announced by Charles Schwab.

Charles Schwab, the giant discount broker, which is a massive disruptor through its history.

I don't know if you know this.

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