This is on the money. We begin with video games in spite of what your parents told you they can actually can improve hand eye coordination and can be powerful learning and teaching tools they can even help train future surgeons Game Changers is this weeks cover story. Reporter his family was never terribly impressed with his dream job. I started out at lucas arts making star wars games, spent many years at microsoft and this entire time it sort of made me the disgrace of the family because im the first one that never went to medical school but the medical force proved strong when his dad asked him to make an anesthesiology training app it turns out 100,000 doctors downloaded it. That led sam to launch level x, video games to train doctors on procedures ranging from intubating patients. How to maneuver in a surgical scenario for doctors, the real game changer is being able to practice and even earn Education Credits anywhere on their phones the ability to use new devices in a virtual environment in a gaming opportunity and be allowed of pushing the boundaries is not only really exciting but its the future of interventional cardiology. And maybe the future of health care in far away environment like the moon and mars nasa has now tapped the video game startup to help train astronauts to handle medical issues when theyre in space my job is to invest in Ground Breaking technologies and capabilities that in ten years time when we are ready to go to mars these things will be so sophisticated. Doctors at the institute for space health, a nasa partner organization, say they chose level x because of its strong vir yul reality graphics and its gaming engagement. Rather than making this a really boring type of practice for these nonexpert yausers its going to be fun. Theyll develop instructional games that can reproduce the effects of zero gravity, radiation and different gases that impact the body in space. I never would have thought that a few decades later wed be using Video Game Technology to help astronauts train for real Space Missions this is one of the most exciting projects ive ever worked on in my life. Made extra sweet now that hes no longer the black sheep in the family. So our video games are like realistic to teach medical procedures dr. Paul friedmann is the chair of the cardiovascular medicine at the mayo clinic what did you see here . Any human ak tuffty riding a bicycle, playing piano, takes practice and the more you can practice without putting people at risk the better. So theyre on the right track. What have you seen . Do you use Virtual Reality we do weve established a Virtual Reality last right next to our cath lab youre going to do a procedure and lets say somebody who has slightly atypical anatomy, imagine being able to walk into that heart, see that persons specific anatomy you can do that. You put a ct disk in the computer, put on the glasses and youre literally walking into an image of that individuals heart. So you can have a sense of where their unique valves or appendages or other structures are situated how long has that been around its all fairly emerging technology there are things you can do. Say a doctor at a far away hospital is doing a procedure and its not one theyve done before they get into a situation where they need help imagine we can put on glasses, b they wear glasses and now were in the room. Thats still more in the research and Development Phase but weve done early Animal Studies at a distance and the hope is we can share expertise through the use of these tools lets talk about some of the stuff that youve been working on too artificial intelligence. You used a study that said you could look at someones heart and get an idea of the Overall Health we use the ecg. Our bodies are giving off electrical signals all the time. Every heart beat is drifzen by electrical signals we trained a computer to read the ecg and we did that by giving it hundreds of thousands of examples and we asked the computer x heres an ecg, heres the persons age and after seeing 500,000 we said heres an unknown ecg. How old is the person . And we found something really fascinating. For some people it was spot on for some the ecg age was older than the actual lidge and for some it was younger. And we actually looked at some charts to say why is that . It turns out the people with the ecg age is older have diseases theyve had heart attacks, high Blood Pressure the ones with the ecg age tends to be younger are people who are exercising, have good health so we thought maybe this is telling us fizz oage. And when you think about it youre going to have a surgery, are you too frail, do you need nor medical management looking at your ecg age could be a marker we have to test that part now. Another area where it could be useful is a lot of medicines are being developed to try to prevent aging. How do you know if they work right you have to figure out a way to say well, im getting younger. How do you know . If you a marker telling you how old you are, that could be used to prevent new approaches against aging. Have you tested yourself . I have. A little bit older than i should be. Have you changed any of your behaviors since . Are you running more often, are you eating better. I actually am i try to run regularly all of us have busy schedules but i make a point of getting up early. I have an exercise bicycle that i use more regularly and we did see some people who are substantially older than their stated age because of an illness when its treated they get younger. Thank you for your time its great to see you. Up next were on the money some lessons about money and investing behind bars and the man doing the teaching has a story of his own and later its one of the biggest expenses in Retirement Health care. How much should you save and how much youll need weve got all the answers so make sure you stick around for this right now a look at how the stock market ended the week. Think you need to pay prestige prices for better skin results . Try Olay Regenerist. The rich, hydrating cream is formulated with vitamin b3 and peptides to plump skin cells, brighten, and visibly smooth wrinkles. In fact, just 1 jar has the hydrating power of 5 jars of the prestige cream. For visible results without prestige prices, try Olay Regenerist with a money back guarantee. And complete your routine with the olay eye collection. Brand power. Helping you buy better. Welcome back, everybody. Brad was a ceo of a public company. In 2008 a jury found him guilty of fraud but this isnt about what happened on the outside. Its about what he did on the inside he taught inmates about investing and more and he put it altogether in a new book thats called the roadside scholar. Amazing money lessons from behind the fence and thanks for being here my measure. Great to see you. Thank you good to be seen. Lets talk a little bit about this your book really kind of grabbed me because you wrote very straightforward account of what happened when you went to prison, what you started thinking about how did you then get to the idea that okay, im going to start teaching investing and finance to inmates what happened . Well, when i first got there i was petrified. The only exposure id had to prison was on television and movies and i was introduced to a guy who said, you know, you should really teach. And i was shocked because i didnt assume theyd let somebody with a securities fraud conviction teach but it turns out that everyone there has a conviction for something and they needed teachers and i had a pretty good background, you know, with an economics degree and some time on wall street and theres a lot of guys interested in money and financial topics and soy started teaching primarily for me to to be productive, but then i started to enjoy it and i learned that, you know, a lot of the guys were really interested in the topics and were sponges for information if you could communicate in a way that kind of grabbed their attention because they didnt have the greatest attention spans. A lot of it is basic stuff if youre steeped in this but i think it sheds a light on how we really dont teach things like this to kids we really dont teach this to so many people. And its the basics that can really help you build a product i life what kind of things were you teaching what kind of thing it is were you telling them well, the most important thing i tell them is number one its accessible. And in todays world, the Financial Markets in this country are perhaps the most Democratic Institutions we have. Anyone can get involved. But getting people to get started is the hard part because its intimidating. So the message was try to figure out how to communicate in a way that gave them the confidence to get started. Was there a particular story or two that stuck out with you other guys who you thought okay, im really making a difference in his life . One guy in particular just before i left he said my girlfriend and i, we have two kids, eight and ten and i really heard what you said in the class about Getting Started young. Were going to put 1,000 in an account for each of them and were going to add 50 a month and what should we do with it . So we sat down and we talked about it and i i love that because like me, he was someone that was trying to stay connected to his kids, do the right thing, but stay connected while he was separated from them and so that those kinds of situations and it happened more than once, were the best you have a wife and three kids and part of this project was a way for you to stay connected with them. Describe that. Well, its very difficult to write a book while youre in prison the theres no access to computers, and so you can either write it long hand which i started doing and realized i cant do that or you had to send it through this little specialized email system that the federal system has, but you can always send it in chunks of like 4 or 500 words at a time so i would send out those chunks to my two sons and then my wife would send back the hard copy in to me and id mark it up and id send it back to them so it was a laborious process, but it was Something Else that we could do together so it started with the Financial Education for my kids and then it became a family project so when i got out the first thing i wanted to do was publish this no matter if, you know, my sister was the only one who read it it had to get done because it was a family project brad, i just want to say, i appreciate the lessons that you put into this and why you put this together and thank you for your time. Thank you its been an honor to be here. Up next, were on the money healthy savings. How much will Health Care Cost you in retirement. We will explain your options and tell you how you can trim costs too. And later, why this county was named the worst place to live in america by a man who has since moved there. Senior personal finance correspondent is here. Shes got more on all of this. And okay, thats a number to try and get your head around 285,000 sounds like a really big number but if youre sick it doesnt sound big. This is a cost for couple thats on average thats pretty healthy. Women 150,000. Men 135,000. When youre looking at these numbers you have to keep in mind what your Health Status is thats key when youre figuring out how much your Health Care Costs are going to be in retirement are you healthy, do you have a chronic illness . Will you retire before age 65 before medicare kicks in then youll have to supply your own Health Insurance for that time period and what is your income going to consist of in retirement and how much of that is going to be taxed higher than you would have anticipated that could have an impact as well again, that tax status could have an impact on the medicare premiums that you pay. What are the different Medicare Options its like alphabet soup out there. Its confusing to several people but theres several parts. Four to Pay Attention to part a usually consists of the hospital costs thats whats covered by traditional Medicare Part b is outpatient visits and then if you want an hmo, ppo type plan thats known as part c and that covers a little bit more, perhaps dental, vision, hearing that may be covered there as well and then Prescription Drugs, thats a separate plan, part d and so what you want to do when you enroll and enrollment starts october 15th for the annual Enrollment Period, you want to make sure you have parts a, b and d and if you need extra and you want to go traditional medicare then you get a medi gap policy if you want to go hmo route thats Medicare Advantage. So you think about all that and you start thinking about the costs that are probably adding up on a monthly basis for that is there any way to trim some of the costs . How you use your health care right now. If you have a chronic illness, you know theres certain medications youre going to have to get youll have to factor that in in terms of Prescription Drug costs, so you want to make sure you look at that. Look at your Health Care Use now and to get an idea of what its going to be. If you go outside of traditional medicare outside of part a and part b and you do the Medicare Advantage plan you want to go in network to make sure youre paying less than you would if you went out of network. We have a lot of doctors and hospitals to choose from know what is covered and what is not covered. Longterm care, never covered by medicare so you need to know that and with some plans you may not get the dental or the vision care so you want to make sure you know what is covered and as youre looking at your Tax Liability hsa accounts, roth ira accounts, cash value in life insurance, they are not impacted as much. Some of those other accounts may be so you want to talk to a financial advisor, a tax preparer to find out what your tax stats us is as you go into this medicare Enrollment Period as well. Thank you up next, a look at the news for the week ahead why this Washington Post reporter left city life behind to move whats been called the worst county in america by him where he moved and why he did it gives you the strongest hold ever to lock your dentures. So now you can eat tough food without worry. Fixodent and forget it. Here are stories coming up that may impact your money on monday well see how much Credit Card Debt americans were holding for the month of august. Then on tuesday t Producer Price index for last month will be out. On wednesday, we get the minutes from the federal reserves open Market Committee in september and by the way, its also National Stop bullying day, bringing awareness to an issue that many people face every day. On thursday, well get Consumer Price index report for september and then on friday weve got import and export prices for the last month four years ago Washington Post reporter chris ingram published an article that would change his life he wrote the absolute worst place to live in america is drum roll please, red lake county, minnesota. Minnesotaians were not pleased and invited them to see their county with his own eyes so what happened next . Chris explains in his books. Its called if you lived here youd be home by now its great to see you. Thank you for joining us thanks so much for having me. So lets talk about that article that upset all those people in the first place. Why did you write that red lake minnesota was the worst place to live yes, so this was based on a really Interesting Data set from the usda called the natural amenities index and what it did was it ranked all 3,000 plus counties in the United States on their natural beauty, things like climate, topography, bodies of water the usda scientists were trying to understand migration patterns they thought people were moving away from uglier places and moving toward hospitalable ones. So i call out the number one place on the list and then also dead last on the list which happened to be red lake county, minnesota. A little place in the middle of nowhere. I had never heard of in my life. Never set foot in minnesota in my life and so i tossed in a line and published a story and i thought it would be it and on to the next thing so youre a data geek and youre a mart alec you right this and the feedback was fast and furious the story published on a 9 27 on a monday and by 9 32 it was coming in via email and social media and coming in from from all over the state of minnesota. They were mad but they were polite too right . They were extremely right and thats kind of the minnesota way. They take pride in this idea of minnesota nice a lot of people were pitching in on it. The local newspapers picked up on it and the state senators, i had Amy Klobuchar sending me pictures all day, looking at this place and look at this place. So it turned into this whole thing. How did you move there . How did that come about . Yeah, so i ended up visiting. Eventually one of the residents in county, he said look, you should come out here and see what this place looks like because theres a lot more to us than a single cell on a data sheet. So i went out and visited and to my surprise i just loved the place. There are challenging of course in the small towns in this area but people are coming together and they are rising above their challenges and theyre still working together to make their towns better places to live. After the visit, we were at a very weird time in our lives we had just had twins. We were living in the baltimore washington metro area. I was commuting 90 minutes a day to work. I was never seeing the kids. We were never seeing each other. My wife was working a high powered government job we were living in a row house because thats all we could afford so like many families that ive talked to these kind of financial pressures of living in the city areas to be close to our jobs, they were just pulling us apart and eventually my mom was like, well, youre having all these problems in maryland why dont you move to that nice little town in minnesota that you like so much and see what happens so thats what we did. I get all the pros with Red Lake Falls but at the risk of getting you in trouble with your new neighbors whats one of the cons one of the cool things coming out here is being able to look at the flip side of these data points and the cold and the winter and learning about the things that we can do out here that we couldnt do in other places if you love to Cross Country ski and you live in maryland you can do that one or two days out of the winter out here you can you can do it 365 days . You can do it from november to april the snow starts falling and it it never goes away i love the story. Love the book. Thanks for joining us. Great to see you thank you so much that is our show for today. Im becky quick. Thank you so much for joining us next week if you are planning a vacation, can you still get travel help or at the point is it all do it yourself in this market well talk all about that. Were on the money have a great one and we will see you next weekend cake in the Conference Room showing em youre ready. To be your own boss. Thats the beauty of your smile. Crests three dimensional whitening. Removes stains,. Whitens inbetween teeth. And protects from future stains. Crest. Healthy, beautiful smiles for life. My bladder leak underwear. Orried someone might see so, i switched. To always discreet boutique. Its shapehugging threads smooth out the back. So it fits better than depend. And no one notices. Always discreet. And nobody understands your options like the advisors at a place for mom. A place for mom is a free service to help you find a place that fits your parents budget, needs and personalities call today. Cala place for mom. A place for mom. You know your family we know senior living. Together well make the right choice. Happy friday its time for options action but the question is, should you be too carter worth takes a look at the bumps in the road. Then captain we will have to stop until we can make repairs. Same can be said of caterpillar stock. A way to stay afloat even when the alarms go off. Plus if you want to keep surfing this quick pop in the market, matt has a plan to ride without drowning when the wave
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