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I'm so glad to welcome you to the Clark Howard Show where it's all about you and your wallet.

I want you to learn ideas 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 is where you go for bargains and speaking of which, when is a sale not a sale?

Well, you know, it's pretty much the era of the perpetual sale.

There's some things you need to know.

I'm going to let you know in 20 minutes in today's Clark Rage's moment.

And later this hour, something you need to know about a gotcha from the life insurance

industry that is beyond despicable.

I'm going to fill you in on how the industry smiles to your face and stabs your survivors

in the back.

I want to talk right now about a couple of very innovative companies that have come

into the marketplace.

One is called Debitize and Debitize allows you to solve a problem of spending money that

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