 Dayton's only all-local news radio station. The power of WHIO Radio and News Center 7 means you'll know first. This is Miami Valley's Morning News on WHIO. Morning, I'm Larry Hanskin. We'd all like to save more, spend less, and avoid getting ripped off. So, why not take the advice that's there for you when you need it? Go online to Clark.com, research different topics, leave questions for Clark and his staff, and check out this morning's Clark Howard Tip of the Day.