It's my pleasure to welcome you to 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.

Don't let anyone ever rip you off.

Clark.com's our main website, cartdeals.com where you go to get the bargains, go to get the

deals.

So I see so many people of every age drinking energy drinks.

I got some scoop for you coming up in today's Clark Rages moment.

I want you to be careful having energy drinks.

And later this hour, I want to talk again with different information for you that I gave

you before about what you need to know and be aware of for holiday travel.

Because so many people who don't take long trips the rest of the year take long ones

from thanksgiving through new years.

I want to tell you how the rules have changed and how you can avoid getting taken.

That's coming up later.

I want to talk about the after effects that many of us are starting to experience because

of the massive data breach at Equifax that you are going to see the possibility of getting

locked out of your accounts not because a thief has taken them over but because the financial

institution you do business with is not sure you really are who you say you are.

What's the problem for banks, brokerages, mutual fund companies, retirement accounts?

They know now that they are so vulnerable to fraudsters who will take over and loot accounts

that in most cases the financial institution is responsible for the losses that they are

freaking out.

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