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

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

You may not know this, but we offer free off the air advice over 40 hours each week.

There's a question, a problem. You're worried somebody's going to rip you off. We're there to serve

you and you can speak with a member of Team Clark for absolutely nothing. A free service of our show

now in its 26th year of offering free off the air advice. You go to Clark.com scroll down a little.

You'll see the phone number and hours for free off the air advice.

Coming up a little later, this is just it's almost like a spoof today's Clark rage about

hiring somebody to tell somebody something you don't have the guts to tell them.

Seriously. And yet later there's a new rule involving 401Ks. I'm going to tell you how it works,

when it makes sense and when it doesn't. So there was an announcement that

Amazon, the fast growing online behemoth, is entering into a joint venture with Sears

that is having the slowest going out of business sale ever. Sears is toast. It's only a matter of

when, not if Sears ceases to exist, which is crazy because for I think a 60 year period,

Sears was the world's largest retailer and now it's a tiny shadow of itself. And so Amazon

has discovered a new area they think they can really take market share and it's tires.

But the problem is your computer isn't going to install tires. So Amazon has taken a page from

the ultra successful tire rack and is entering this joint venture with Sears where you can go on

Amazon.com, order tires and then have those tires delivered to a Sears automotive center near you,

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