Great to have you here on the Clark Howard Show where it's about your empowerment with

knowledge so you can keep more of what you make.

And you can follow me at facebook.com slash Clark Howard.

Coming up in just a few minutes in today's Clark Rageous Moment, new report that criminals,

steal $37 billion each year from 5 million elderly Americans.

I'm going to tell you what to look out for and how as family members and friends you can

protect the elderly.

And coming up later, who has a lot of data on you?

Who has a lot of information?

Which of the big tech companies are the ones that are doing the most deep dive on your

personal information?

I have some new numbers for you from USA Today on how much spying is actually going on

in your life.

I'm going to talk now about a problem that has been a problem in the car business around

the United States for years and years and years but has intensified more recently because

more and more people are trading in vehicles that they still have loans against.

In other words, people have over recent years have been taking out these ultra long car

loans.

And so you're tired of a vehicle before you paid off the loan, you go and trade in that

vehicle and take out a loan against another one.

Well, sometimes that will be a disaster because you are upside down in the first vehicle,

rolling the upside down amount into a loan on the new vehicle, digging yourself a deeper

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