Thanks for joining us here on the Clark Howard Show where it's about you and your wallet.

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, speaking of rip offs, coming up later in today's Clark Regist moment.

You on a time share?

Well, trying to get out of it is where so many people end up getting ripped off.

I have new information for you on that and coming up later yet there's a big pitch that

has gone on for years to senior citizens to do something called a reverse mortgage.

There are ads for reverse mortgages that run very heavily on so many cable channels.

I got a new warning for you about reverse mortgages.

I want to talk about something right now that is a real money saver for you.

The cell phone market is going through a serious midlife crisis.

Consumers have decided in the United States that the phone you have is just fine as it

is.

People are keeping their cell phones longer and longer and longer and that's lead to a

huge decline in cell phone sales by Apple and Samsung.

The market has changed so much because even a relatively low-end cell phone now is fantastic

and all the things they do.

And finally, Samsung cried on call and has come up with a new line of discounted cell

phones that the technology writers aren't gripping about.

And one of them, it's the A series that was shown in February and I talked about it

briefly when it was shown in Europe in February and said that I was hoping these would come

to the United States.

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