The following program is a podcast one.com production.

Go ahead to have you 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 keep more of what you make.

Clark.com is our website.

And when you're looking for deals, ClarkDeals.com is here to serve you every single day.

Coming up in just 20 minutes, the insurance companies for your home and car run all those

cutesy ads about how they're your buds.

Well, there's something going on right now with the way insurers behave when you make

a claim that is absolutely Clark-rages.

I'm going to fill you in, tell you what's up, what you need to know to protect yourself

in just 20 minutes.

And coming up in a half hour, there's some odd stuff going on in Washington.

That this time actually truly really affects you.

There is a new law that allows for extreme spying on you, not by the government, not in

order to prevent a terrorist attack, but to allow certain companies to spy on everything

you do online and then build dossiers on you that they sell off to whoever they wish.

I'm going to tell you what you need to know because there are easy ways for you to move

forward in protecting your privacy even though the Congress is spitting on you.

I want to talk right now about the problem of having a debt owed to the IRS.

It's a pretty common call here at our show when somebody has a pass-do bill to the IRS.

And if you have a pass-do bill and you can pay that bill within a year, the IRS pretty

much leaves you alone.

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