Inflation. The cost of use and a atm has risen. As well as interestbearing checking accounts. Only 3 percent of the required to have great balance. Bank feesit does not seem to be have an affect all. We were watching the most valuable brands. Apple taking over. It is tied toward financial performance. When you think of apple, you think that you want a product because it works. That is part of it. They have secured earnings. This list is not a stock a buy list. It is a ge, samsung, intel. Cocacola had this distinction of being no. 113 years. Okia drops to 57 no. 13 it is fascinating. Over the weekend i had a chance to see what she had to say. They have a hundred million eyeballs. You have so many people on facebook. Twitter had a big run with television. How big does this compare to abc, cbs, or nbc . You only have a 44 million eyeballs. They double that. It is a big change. Back to the networks, a and e have been did a lot eyeballs because of breaking bad. This was a big winner. That will do a spinoff of the show. They lose this so where are they gonna get their eyeballs from for their future . We do not want them to leave without a been about what theyre watching a. The producer on the show i am not the future. The future is 18 to 35 years old was tweet team while theyre watching. And they had a hundred thousand tweeds and the days before the show. This is incredible to see what people will do to get the gold i phones. Someone paid 10,000 and tu that it was canceled by the seller. Ebay was charging 10 . Its tough to make money. They get 10 . But going cost is about a thousand dollars. The buyer wasnt the right area but he had 10,000. Watching ikea branching off. They have those good swedish meatballs. And theyre trying to give people come in their stores. Theyre trying to keep their products relevant. We in the United States loving ones home depots and lows. Lowes. It wi cost 19 this isbecause it is very different and your to get sold. This will speed up the adoption and it will be lower priced product sprea. Duptheir lot of people complaining. We are watching the Weekend Box Office cloudy with a chance of meatballs. Sony corp. And 35 million. It took the lead. That is a sad thing about this is that it made more money than the first one. The media and cartoon is very competitive. It is all our products. The Movie Division is profitable. A mass of a German Company announced layoffs. There are eight company that some of us are not familiar with. They are the g e of germany. There is was a limp. I cannot think of any other company bread the new ceo comes in all two years ago and now hes cutting more jobs. Five and thousand outside of drumming. It does bring up the question that you cannot assume capital too much but on the other side their earnings are important. We Pay Attention to this. I just want to leave you with the thought that theyre nowhere in needier profitable and they cannot fun keeping people jobs. Labor is the most expensive part of a business. Coming up on the show i will be petalk about wealth and retirement and show you how you should purchase a home the right way. Welcome back. Bonds what are they . They are confusing. They are going to become more mainstream. What do we need to know . There is a lot of different kinds from corporate till the government. There are long term, shortterm. There are a lot of different types and what seeds upon is when you go through a rising rate. A lot of people look at their statements and may see a loss and a head to the gills. They continue on with this limited approach. They do not want to sale and because of losses. And why owned a bond on if you can have an individual . This is when the Interest Rates are high. This is not the problem. People will have only these, they have matured and they think if they have to sit in cash or go into something else. Right now the environment is so tough. They are trading at such a high premium that means when i get much of your money back. What is an alternative . There is a lot of data out there. Before you start this the data, we recently did a study about the allocations that 3300 of them, not including the etfs doesnt mutualfund world were most of those investment 401k is 3300 tauruses, one of the biggest problem is that they are long term. This system rates that are going up. Remember the short end of the state. There is risk later on. If there just individual, one mandate i would i really own it. Also, you will have to check the perspective these days because Interest Rates came down a lot of the funds changed. The bond fund is about 20 . So people buy these with a cushion and a declining stock market. Your fund is now fighting and you have to be careful and a will to resist. Lets talk about some of the alternatives. I think there are investors out there, some of the meeting, some of them do not. That once the safety, the security versus a stock. What do we need to know . If you are younger, you are 45 you do not want a 4 arrest, maybe as 80 equity. Maybe you are looking for Something Like a short fond or there are funds for bait sell extra and come laissez the s p 500. They tend to get about 67 and only about 40 . It is more of a conservative approach. If you are closer to retirement you do not when the Principal Risk and have a structured note cds. They tend to be about five years long and is based on s p 500 and maybe get 30 to 4 . You do not know what your return is an to the end of the. But that the market declines to just get nothing. This is a little bit better than some of the bond funds at 2. 9 and lose money. For people that only bonds my opinion tend to want the safety of them. There are a little bit older, they do not like the drama, how do you protect them . The study that we did we try to find a mix because of all bonds ugly. There are a lot of decent ones out there. You want the smaller funds because of the bigger names, the general public, theyre all run for the hill. You want a smaller fund. You want your manager to be able to go across cross trading. You want to be able to shorten up the duration or the time and just be able to manage the money. In terms of an under constraints won its is tested can go to different ones weather is Something Like that. You can use it to had ups Interest Rates. They have the protection of ventures raise ago. If Interest Rates go. If you have questions or followup you can go on his web site. When we come back to will have more on rob black and your money. I thought i would do a segment about buying a home rose stay. This is the courage you have to be very cautious. You have to make sure that you can afford this. This is rule no. 1. You need to be in home release five years. I want you to invest money in properties mud and properties that are publicly traded. New and office products. Here in the San Francisco areathis is a great way to own real estate without going on a mortgage. If you buy a home used it once took the of the stay there for a least two years. You want to start with your Credit Report at that point you punch in york number and the transformation 3 i highly recommend you to fix your credit before you buy a home. The better your credit the lower your mortgage. You want to buy a home that you can afford. It should not be no more than 40 of your income. I know that if youre in a come is a thousand dollars anything else you lose your job, youd lose your house. This is not anything good. If you cannot put the 20 down and theres where she could get alternative funding. Maybe you should not be owned rose that. Is no shame and renting. Buy a home with a good school district. Ive bought next to a great school and my goal is not to make a lot of money but at least find a mother wore a white that wants to take the home because of the school and how quickly they can get into and out of work. You can get it super cheap but attendance is to put in there would prod the drive you crazy. If you have to think about some of these factors. You want to sell your home to a wife. I know this thing sexes but that is what shes looking for the school edition. You want to get professional help. You need to get a real estate agent, someone who lives in the city someone was older and i am not looking for the flashy person to take met are wrong. They may try to take your run show you the great they are mature looking for a home that she cannot live when and where you want. If they have been this marker for law and that one of wealth. Next thing is for you to choose point in rates. Every home that i have ever what, it has got my rates lower and lower. Youre payment for to attend all some dollars for all mellor mortgage rate. I look at the math, and whether not i will stay there to make my money back. These are homes that i will live in for while. I want the lowest possible cost. In a worstcase scenario, i commend my home for more than my mortgage payments, next is to get pre approves. This goes back to your Credit Report to go back to make sure you know what you can afford. If you want the only five and a thousand dollars house and the demand to about a year. For a lot of people that make 80,000 and theyre buying up a hundred 800,000 dollars house. Finally, you need to get a inspector. Someone will come on out and tell you what is wrong. It continued to rufus bed if you have water damage or foundation issues. These will become relevant and it will cost a lot of money to fix. This is something that you do not want to have to deal with. If you are barely making with your Monthly Payments you cannot afford a new roof. Home inspectors are important. You could drop me an e mail. Coming up on the shot will be talking about ges, credit cards, bed insurance. Your emails are next. Look at them with that uverse wireless receiver. Back in our day, we couldnt just move the tv wherever we wanted. Yeah, our birthday entertainment was a mathemagician. Because if theres anything that improves magic, its math. The only thing he taught us was how to subtract kids from a party. Lets get some cake in you. I could go for some cake. [ male announcer ] switch and add a wireless receiver. Get uverse tv for 19 a month for 2 years with qualifying bundles. Rethink possible. Lets start with 8 e mail. She purchase insurance with a lot of bet seas. Your window to get out of it is probably over. You can write a letter to their boss and tell the mature bad mouthing their company, what ever. Sometime it is just ok to let it go away. Terms like this what you should go for naught whole life. After 10 years, i have 30 to four years left. Sometimes you have to learn a lesson. How much mortgage can i afford . 40 of your income. You are paying 10 just for retail. You are paying 15 to 28 percent for federal taxes. When you do the math, and you can hardly a port thu cannot afford that. It depends on the location. I have 77,000 of debt and cannot pay off. You promise is the bankruptcy attorney. Maybe i am morally long but i cannot afford for you to turn 60 and still have all this debt. Ultimately, you will need services that the taxpayer what the fund. At a bankruptcy attorney and that was see if you can pay off that will negotiate something for you. If you can learn how to deal with it fine. But as some point you need to a set a Chicken House women this much debt because your salary cannot cover. The easy as one is to basically look at the laws and take advantage of them. They are there for that reason. No one wants you to do it but even more importantly you dont want to go bankrupt and get into bad credit decisions in the future. You have a problem, you need to a minute and then start to address the. I inherited 50,000. I will not with four market pullback. You are never going to time this up. I have never met someone that turned a 50 into a million because he waited. Finally amber stated that she sell stock. Thus lustration the budget cuts now know. Maybe at a diversified sons careesense. Tell your friends about the show. Now a paid presentation for meaningful beauty advanced by cindy crawford. With special appearances by debra messing. Valerie bertinelli. Christa miller. And stars from tvs royal pains and the mentalist. Hosted by network Tv CorrespondentKatrina Szish. Brought to you by guthyrenker. Hi, everyone, im beauty and style journalt Katrina Szish on location in beverly hills. In just a few minus well meet one of the most beautiful women in the world,ig supermodel cindy crawford. At aac 45, cindy stillooks impossibly young and gorgeous. Oh, my god, shes just stunning. Her skin is just amazing, and so i feel like now i have a chance