Ryan and Sandy interview Schwab Charitable president Kim Laughton on why you should use a donor-advised fund for year-end charitable giving. The co-hosts share tips on avoiding ID theft and scams during the holiday season, and Peloton and Costco both feature in a new edition of Deal or No Deal. --LINKS-- ID theft – act now to protect yourself: https://www.kiplinger.com/article/credit/T048-C000-S002-identity-theft-act-now-to-protect-yourself.html; 6 scams to watch out for over the holidays: https://www.kiplinger.com/article/spending/T057-C011-S001-scams-to-watch-out-for-this-holiday-season.html; 7 smart moves to avoid identity theft: https://www.kiplinger.com/slideshow/credit/T023-S002-smart-moves-to-prevent-identity-theft/index.html; 5 charitable planning options that can save you money on taxes: https://www.kiplinger.com/slideshow/credit/T023-S002-smart-moves-to-prevent-identity-theft/index.html; Give the money, keep the tax break with donor-advised funds: https://www.kiplinger.com/article/investing/T054-C032-S014-give-money-keep-tax-break-with-donor-advised-funds.html; 17 best Kirkland products for the holidays: https://www.kiplinger.com/slideshow/spending/T050-S001-17-best-costco-kirkland-products-for-holidays-2019/index.html