 And this is Miami Valley's Morning News. I'm Larry Hanskin. We all could use a little help now and then, especially when it comes to some of the complicated financial waters we try to navigate. Well, there's a guy that can help you out. He's got great information available to you online at Clark.com. And also this morning's Clark Howard Tip of the Day is sponsored by James Free Jewelers. The James Free Buying Event is coming up this Friday and Saturday.