 Welcome to Miami Valley's Morning News. I'm Larry Hanskin. As you wrap up a work week, would you like to hang on to more of that money you made? Well, you can do so if you start following the advice of your consumer warrior, Clark Howard, online at clark.com. And listen to this morning's Clark Tip of the Day. It's really hard buying a house right now, and there are people out there pitching a way for you to get into a home.