Glad you're here with us on the Clark Howard Show where it's about your empowerment with

knowledge so you can save more and spend less and don't let anyone ever rip you off

as being at which coming up in a few minutes in today's Clark Rage's moment.

The sharks are already circling in the water, taking advantage of you with your retirement

money. Let me tell you about just one company that's decided it's open season on your wallet again

and coming up yet later. I want to tell you that I see a business opportunity in the marketplace.

I want to throw you away. People are always asking me, where's the opportunity? I got one for you.

I talk right now about something that I shared with you twice in recent years at CES, the Consumer

Electronic Show, from my reports there that I go each January to Las Vegas for the world's largest

trade show. There are certain trends that I will get wrong. I'll see something I think is absolutely

going to be a big hit. I'll see something I think is going to be a hit like right away and then

cricket, cricket, it eventually comes just a lot slower than I expected. One of those things

is coming alive now that I first thought was going to be part of our lives several years past

and that is little electronic gadgets that allow you to prevent thieves, identity thieves,

from getting at your accounts and getting at your money. There are now a number of what are known

is security keys appearing in the marketplace and these security keys are a vastly superior method of,

which is two factor authentication. Right now the most common method of verifying that you are who

you say you are is you sign into an account on your phone or on a computer or whatever

and then you'll be given an alert that you won't be given access to your account until you get a

text message with a one time use code and so it's texted to your cell phone number and you pop

that code in and then you have access to your account. Well something I shared with you recently is how

criminals have figured out how to defeat two factor authentication by getting insiders employed

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