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

to save more and spend less and don't let anyone ever rip you off.

Clark.com is our web address.

Clark.com slash ask is where you post a question.

Also you can ask your question nine hours every weekday.

We do that for free.

It's a service of the Clark Howard Show for the last quarter century where you can talk

with a member of our team for free on the homepage of Clark.com.

You'll see how to do that.

If you are looking at Clark.com on your smartphone, you can just hit a button and dial in right

then and there to be able to get free off the air advice.

Coming up in 20 minutes, desperation can lead you to do things that can really harm you.

Want to talk about a loan that I want you to run away from instead of running too.

And a half hour from now, I want to talk about basic privacy.

We all say we want privacy, but then we do things that open us up to all kinds of problems.

I want to talk about steps you should be taking in order to protect your privacy.

I want to talk right now about something I am ecstatic that Apple is doing.

With the new update to the operating system for iPhones, Apple is shutting you down cold

from being able to text while you drive.

Basically do anything on your phone while you drive.

You probably know that there's been a massive increase in fatalities on the road after year

after year after year of fatality rates declining on the roads as cars, trucks, SUVs and the roads

...