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, speaking of which coming up in just a few minutes, I'm

going to tell you about a scam phone call that's making the rounds right now that you

should be on the lookout for.

And later this hour, I need to confess to you, I got a bad night's sleep last night.

I was so upset about a move by the US Senate last night that gave the banks exemption from

oversight from the courts when they do something illegal, rotten, terrible to you as a consumer.

I am beyond horrified.

And I'm going to talk about that later this hour and how you deal with something like

that without descending into cynicism or sense of hopelessness.

You and I have power.

We just have to choose to use it in spite of the dirty money in Washington that takes

away your and my rights.

So today there's a lot of news to save you money on the cell phone front and it's not

normally going to happen this week.

Usually at several weeks from now as we get into the peak of the Christmas shopping season,

I want to tell you what the sizzling deals are right now.

So first, as you may have heard me explain in the past, AT&T, T-Mobile and Sprint all have

wholly owned discount brands that they use to sell cell phone service to their most price

sensitive customers.

And so there are people who are customers of the discount brands cricket, which is AT&T,

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