have been hearing from the pga that at 11:00 a.m. eastern time on friday, tiger woods will have a press conference from pga headquarters in florida. tiger woods will be delivering a press conference from pga headquarters west palm beach, florida, at 11:00 a.m. eastern friday and we will cover that and find out what he has to say. obviously, a lot of people interested in what he has to say. we will keep you updated on that and rick's folks are working on that to bring you more information as we get it right now. let's turn to black history month, which we have been focusing on this whole month and talk to an old friend of mine valerie morris, and she was a colleague of mine and we worked together for some years and she has since devoted herself to helping women of color on a number of fronts, including the financial help, and valerie joins us with advice for women of color, but it is advice anybody can use, valerie, and you have tips on how people can improve their financial