Thanks for downloading this show from PC1. Before we get rolling, here's a word from one of the folks who helped bring you this podcast.

The following program is a podcast1.com production.

It's great to have you here on the Clark Howard Show where it's all about you and your wallet.

I want you to learn ideas to me so that you can save more, spend less, and don't let anyone ever rip you off.

Clark.com is our web address, ClarkDeals.com. You like to save money?

That's what Clark deals is about as we tell you, the latest, greatest deals available to stretch your wallet.

Coming up in 20 minutes, I'm going to talk about somebody trying to scam you out of the money in your wallet.

Do you know there's been a plague of people using GoFundMe pages to scam people?

Absolutely a Clark rage. I'm going to fill you in on what you need to look at before you give money to something because it reaches your heart,

how to protect your heart and your wallet at the same time in 20 minutes.

And later this hour, man, this is amazing.

Someone facing paralysis in near certain death was saved by 3D printed parts that were implanted into her body.

I'm going to tell you how it works and how it may in fact improve your life or save your life someday.

And remember that's just a half hour away.

Right now I want to talk about something that is quite upsetting to me.

And that is one of the big full commission stock brokers of which there are two huge ones remaining.

Merrill Lynch and Morgan Stanley.

One of the two as of today no longer allows.

Let me repeat that no longer allows its customers to buy Vanguard mutual funds and index funds.

Now here you have funds that are the lowest cost out there pretty much.

And Morgan Stanley mysteriously will not allow its customers to own them.

Now there's a dirty little secret you need to know if you do commission business with a full commission stock broker and certain others in the financial industry,

...