It's great to have you here on the Clark Howard Show where it's all about you and your wallet.

I want you to learn ideas to me so you can keep more of what you make.

Just a second I'm going to talk about making more.

So you got more to keep.

Clark.com our main website, cartdiels.com, our deal site where you get bargains each and

every day.

Coming up in just a few minutes in today's Clark Rage's moment, you buy a cell phone

that's supposedly waterproof but then the company that sells that to you, it's tone deaf

and doesn't honor their warranty on waterproof.

Yep, that's today's Clark Rage.

Coming up and a little bit later after that, we're going to talk about a way that you

can protect yourself from a very common crime where people compromise your debit card.

I want to talk at this moment about something that has been a conundrum.

Here we are with extremely low unemployment in the United States, extremely low.

And in spite of that, a lot of people are getting measly little raises where they work.

And this is a serious issue because many Americans are making less today than they were making

a decade ago.

Because once we went into the financial scandals, the banking scandals and the great recession

that followed it, it hollowed out the workplace and people have struggled ever since to get

back to where they were a decade ago.

But what's happening right now is what some economists informally refer to as the two

speed or two speed economy where there are people that are right now seeing very nice

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