but we'll need our clyde a anderson to help us understand it. he's joining us in a moment. >>> say good morning to reynolds wolf, a forecast that includes heat but no severe storms, i don't think. right? >> for now, we're in good shape. maybe some storms later on this afternoon. t.j., when it comes to weather, there are things as they should be and things how they look like they'll be in the afternoon. especially here in atlanta, a normal high on a day like today, 84 degrees. today we'll chalk it up to possibly the mid-90s. and more on the heat wave affecting much of the nation. you're watching "cnn saturday morning." staying active can actually ease arthritis symptoms. but if you have arthritis, staying active can be difficult. prescription celebrex can help relieve arthritis pain so your body can stay in motion. because just one 200mg celebrex a day can provide 24 hour relief for many with arthritis pain and inflammation. plus, in clinical studies, celebrex is proven to improve daily physical function so moving is easier. and celebrex is not a

let's talk to our financial arou analyst, clyde anderson. >> cramming is having unauthorized charges show up on your phone bill. >> that's it? >> that's it. >> so let's be clear we're talking about land lines only. >> yes, but it has popped up on cellular lines too. >> okay, so what are we looking for on our phone bills? sometimes we see stuff, i assume that's supposed to be there. >> that's what happens to most people. usage charges, monthly service fee. >> usage charges, that's legit, right? >> no, no. what happened is, the fcc required people to start separating -- the phone company to separate these bills. in the past, they didn't have to do this, and now you see these charges that are bogus charges, calling plan, monthly fee, other fees. we'll just take it as what it is. >> usbi, what is that? >> they look official, right? universal service. it's really just these letters they're putting in these, and these third party companies are charging you and we're paying them, because we don't want to take the time to call the company. >> okay, now, you call the company, and they say, oh

clyde anderson is joining me now. clyde, good to have you here.ing. >> cramming is simple as having th unauthorized charges show up on your phone bill. >> we are talking about landlines only. >> we are talking about landlines only. it has popped up on cellular providers. >> what is this stuff? i told people to pull out their phone bills. what are we looking for? we see stuff. >> that is what most people do. they look official. usage and monthly service fee. >> usage charge? that is legit. >> the fcc required the phone companies to separate the bills. in the past, they did not have to do it. you see the charges. the calling plans. monthly fee. other fees. we will see it and take it as what it is. >> it looks official. >> it is just really letters that they are putting if there. the third party companies are charge you. we are paying them. >> okay, you call the company and they say that is your service fee. that is in there. how can you argue that? >> a lot of times they will tell you it is a third party charge. if you still feel it is a bogus charg

financial analyst clyde anderson. how big of a mistake is that? >> it's a huge mistake.es because money is a big issue. >> why don't we talk about it? >> it's not sexy. it's not sexy to talk about money. it's crazy we would rather talk about sex than money. money is the topic a lot don't feel comfortable, the emotional tie and we don't feel comfortable about talking about it. sometimes we're embarrassed. >> why do we have to do it anyway? >> it's crucial for several reasons. in the economy we're in, in the recession, want to know what you're getting into. what are we buying into? do you have outstanding debt, student loanses and treat yourself like a business. i am the ceo of my corporation. that's i am anderson incorporated and my family are the share holders. >> our conversation before i got married, i'm broke, you're broke, let's do this. how are you supposed to break that ice, start in on that conversation. it can be offensive to some points. >> if you've gotten to this point you've shared intimate moments -- >> i like how you put that. >> this is time to have this c