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My pleasure to welcome you to the Clark Howard Show, where our mission is to empower you to make better financial decisions. As Christmas approaches, Americans are spread across the country, leading to consequences. Despite the festive season, it is also a time for identity theft. The way we live has changed due to mobility, causing us to be scattered from family and friends. This period between Christmas and New Years is meant to be joyous, but many may not be with their loved ones.