I'm glad you're with us here on the Clark Howard Show where it's all about you and your wallet.

I want you to learn ideas for me so that you can save more.

Spend less and don't let anyone ever rip you off, speaking of rip offs.

There's one that is happening all too often right now.

You try to hire someone who you think is really working for you to help you with your

retirement, investment, whatever.

It turns out they're not really working for you.

I'm going to tell you what to look for, what to look out for later this hour.

Clark.com is our main web address and Clark.com slash ask is where you go to ask me questions.

You have a question you want to get answered.

Don't necessarily care if you talk to me.

Great.

You can talk with a member of our team.

That's free.

You can see the phone number and hours available for free off the advice.

You scroll down a little bit on Clark.com.

Talk about something that has me really concerned and that is you if you are a homeowner,

not having sufficient homeowners insurance coverage.

This has just come up again as an issue in the California fires.

I want to tell you where the problem is that you could face regardless of where you live

in the country is that you have a homeowner's insurance policy that states a value on your

home and that value could be very dated.

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