notice. time to close the card and change. >> you have to pay the minimum on time. >> there's no way around it. >> you have to pay the minimum on time. they are loaning you money, if you don't pay them something when you're supposed to, they are going to nail you. >> there's no wiggle room any more when it comes to credit cards. you have to be super super savvy and make sure you make those on time. >> crazy market stuff. >> the dow at a three-year high. up almost 96 points. the nasdaq a ten-year high. 22 points yesterday and s&p 500 is at a three-year high. >> i love your batman, pow, pow, pow. >> this is the first recession that we're seeing the incredible highs in the market but they're not being reflected in employment numbers. >> but an important thing for people to remember, for those who do have i.r.a.s or 401(k)s, all this constant talk about lou the economy's not recovery does prevent some people from taking advantage of things like this, where the market has been going