The following program is a podcast one.com production.

So glad you're with us on the Clark Howard Show where it's all about you learning ways

to keep more of what you make on the web Clark.com when you have a question for me, Clark.com

slash ask.

And you like deals?

Well, you'll love this.

Clarkdeals.com where you can find out the latest, greatest deals available to stretch your wallet.

Coming up in 20 minutes, there's a way some people are stretching their wallet that is a no-no

in Clark land.

They're using borrowed money for a vacation.

We got to talk about why that's not a good idea and why it's carcragious in just 20 minutes.

Later this hour, there's a change in how your credit score works and how you'll be judged on

your credit score. You need to know about this because there's been a hidden burden that many

people have faced and have caused them higher interest rates. I'm going to tell you about the change

that is going to make your life better and maybe make loans cheaper for you.

All right, I am going to do something that will stun you. I'm going to praise the I-R-S.

Don't adjust your hearing. I actually have something positive to share with you about the IRS.

The I-R-S has been overwhelmed for years by problems involving tax ID theft. It has been

something that's been out of control and it's cost you and me as taxpayers huge money as fake

returns have been filed, beating you to file a tax return and then the crooks make off with

virtually untraceable tax payer money. All of us collectively spending billions and billions of

billions of dollars coming out of all our collective pockets because of all the tax ID theft.

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