Nautic nature is ever changing and unpredictable.

Shifting between wind, sun and rain, but one thing is certain, this landscape shares its

goodness with us all.

Yard is the delicious plant-based oat drink, made with simple, all-natural ingredients,

and organic oats grown and harvested in Nordic fields.

Yard, inspired by Nordic nature, find it in the chill, deri alternative's aisle.

It's great that you're taking part of your day to join me on the Clark Howard Show where

it's about you and your wallet.

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

Clark.com, that's our main website.

Clark.com slash ask, that's where you go to post a question for me.

You also can get advice off the air.

We offer that over 40 hours each week where you can get free off the air advice from a

member of Team Clark.

If you just scroll down on our main page on Clark.com, you'll see the phone number and hours

available and we'll have information for you throughout the holiday when we are closed

to celebrate the Christmas New Year's holiday period.

Starting up in just a few minutes, a cryptocurrency scam has been broken and people lost millions

of dollars.

I need to tell you in all the excitement that's going on about Bitcoin and other digital

currencies, you need to know it's become a fertile playground for the crooks.

I'm going to tell you how to protect yourself.

...