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Thanks so much for taking time out of your day to join us here on the Clark Howard Show where it's about you and your wallet.

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

Clark.com is our web address. Clark.com slash ask as will you go to ask me a question.

But that's not the only way you get answers.

Here on the Clark Howard Show we also provide advice off the air where you can speak with a member of our team.

Nine hours every weekday. It's a free service of our show has been for more than 24 and a half years.

We've had this as a free service at Clark.com on the home screen.

You scroll down on your phone or your laptop.

And you will see how to get that free off the air advice and the hours it's available coming up in a half hour.

We're going to talk about what you need to know about ATM fraud and why it's become essential that every single month when your bank statement comes in or your schedule is going to be available.

You open it up and check the withdrawals from ATMs because the fraud against ATMs is shooting through the roof.

And it's you know what I mean.

I'm going to tell you about that.

The change is coming to ATMs to protect the bank, not you.

Talk right now about a shift happening in the United States.

And that is brand name package goods companies that sell you stuff in the supermarkets.

They are becoming also rants.

In the public's mind retailers have become so powerful in their private store brands so strong.

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