Contaminated beef is being sold. They dont know. Were learning some of it may have been sold in supermarkets, not just restaurants. For more on this, tony corbo from food and water watch. Thanks for coming on the show. How could they not know where the stuff is . They know the producer. Well they will have to check the retail records to see where, where this particular company sold their products. So if the, if records are deficient at the company, it is going to take longer to do the investigative work. Gerri oh, boy. That sound like a long process to me. So how do i know if the hamburger in my freezer right now is contaminated . Well, if in fact it did hit retail supermarkets, there is an inspection legend, usda inspection legend on packages that will identify the plant. And the plant number is 2574b. So if you see the logo of usda saying it has been inspected, there should be an establishment number with that number there. So that would indicate that meat came from that plant. Gerri so presumably, all plants have their own number and this distinguishes the beef as being the beef in trouble. 2574b. We showed the number in a full screen. Look where people are sick. If youre out there tonight and wondering, am i likely to be one of these people, 11 people who are sick. Massachusetts, michigan, missouri, ohio are places where people are truly sick from this e. Coli. Look at this. Kind of concentrated, not too far away from michigan here. Tony, it seems like were having recalls every 20 minutes to me. I guess im overstating it. This is the largest recall since 2008 when 6. 6 in tainted handballer from elf e. Coli was orlando. Why is that so commonplace . Particularly beef the industry has taken steps to, to improve their processes. Usda is actually implement ad test and hold policy where if the government is taking a sample, to test for e. Coli, the company is required to hold that lot back pending the results of the test. What happened here is still a mystery. Whether the company was not doing enough testing of its own. Whether the usda has not been taking enough sam at that plant. Were still trying to figure out exactly what went on and where the process broke down. Gerri so, tony, are you satisfied the way the fda handled this . Did they do enough . It is actually usda that is responsible for this. The issue is, first of all, out of the 43 billionpound of beef that is processed every year in this country, usda only budgeted to take about 12,000 samples. To test for e. Coli. So that in of itself tells you that the governments Testing Program is limited. So you rely on industry itself to do its own testing and prevent product from going out that is contaminated. The other thing with this particular area of the country, they have been running a 16 shortage of inpeck inspectors in that area. The last figures that i hadnt indicated nationally there was about an 11 vacancy rate of usda inspectors. In this particular area it was running ahead of that, 16 . Whether inspectors were had enough time to do a thorough check of this companyduring this feared that the process broke down remains a question to me. Gerri thats a very interesting point. Tony, one other question for consumers out there, maybe youre at home, youre starting to make dinner, can you eat this stuff . I would be tempted to just throw it out. What is the best solution . The thing is if it is from this plant i would return it to the store and try to get a refund, if not destroy it. The, in order to deal with beef whether it is part of this recall or whether its product that hasnt been recalled you do have, you do have to cook it thoroughly. In terms of hamburger, the recommended temperature is 160 degrees internal temperature. And so, with the holiday coming up, you have memorial day. It is the kickoff of the grilling season. Consumers have to be extremely vigilant how they do their food preparation. Gerri that is a really great point and we appreciate you bringing this information, tony. Thank you. Well, thank you very much, willies. Gerri they where are we going from . Grocery store all the way to the mall. They were symbol of suburbs and station wagons but many shopping malls are putting up for sale sign. Almost as many as half of enclosed malls could close in the next decade. We have retail analyst. Good to see you. Good to see you too. Gerri weve known this trend was going on for a while but it seems to be gaining momentum. Why . Part of the reason why this is happening anchor stores in the malls are starting to go out of business. You saw what happened with sears earnings and jcpenney even though they reported betterthanexpected earnings a couple days ago, these stores are starting to close down. When those stores close down that takes away the traffic. That is almost like a domino effect. , when traffic goes away from anchor stores the Smaller Stores start to suffer and people stop going to the malls more and more. Gerri this is true for middle income malls and with sears and target, all those stores packed in cheek by jowl. When it goes to highend malls the trends are very different. What is going on there . The highend malls are not seeing a decrease in traffic at all. And that really has to do with the fact that theres a bifurcation in the market. Basically what that means, we saw that during the recession, the wealthy people were just fine with their spending money. They werent worried about jobs, people on other side, barbell effect, people having jobs insecurity, they didnt know where the next paycheck was coming from and they were the ones worried and not maybe spending that much money. Wealthy people are still going to the malls, and they have been for last five years. People in the middle income malls and lesser income malls, they are not ones that are spending. Gerri this is so intense that there is even a website called dead malls. Com. We have pictures of some of these malls, youve been seeing them. I want to dig into this a little deeper though. When you look at apple stores, i see they have sales per square foot of 6,000. Sure. Gerri you go to a tiffany which Just Announced it will go to the middle income folks. It will start offering lines that appeal not to the highend shopper but to somebody who is middle income, they have sales per square foot of a about half that. What is going on to the money that these stores and this real estate is generating . Well what were seeing there with tiffany and apple, i mean those are aspirational products that theyre selling and whats happening with the middle Income Customer is that theyre aspiring to have a piece of that. Thats why tiffany may be selling less expensive products. That is why apple, we still see sales of ipods and iphones kind of out the roof, right . One of those products people feel like they have to have. So in that sense youre seeing, you know, sales per square foot increase whereas you go into a sears or jcpenney youre seeing that Square Footage decrease. In addition to the fact were talking about malls, back in the day, when i was growing up we would hang out at malls. Now it is not the case. Gerri kids dont do that anymore. No. They hang out on gchat. They hang out on facebook. Totally different gerri mom and dad, theyre on their iphones. Theyre on the ipad. People are shopping that way. Thats why were seeing that also less traffic in those malls. Gerri now, strip malls in trouble . Staples is closing 225 stores. Not just conventionalled closedin mall but strip mall. Right. Gerri i want to ask you this. I think there could be something bigger behind this other than that income not growing for middle class. Is it the possible the economy is slowing here . Retailers are the canary in the coal mine, let me tell you. They really feel it when people stop shopping . I try to be positive polly when it comes to the economy. I want to think were getting a little bit better but quite frankly i think people are still very sensitive where the economy is going. People are not so sure. There is lot of insecurity. Weve seen unemployment numbers seem to be doing well. That is not the case. Just a matter of people not even looking for jobs anymore. That is still a macroissue. Gerri right. Until we get that sort of solved, consumer, isnt going to feel better about shopping. When it comes to strip malls, yes, a lot of these stores are going out of business but what is going to end up happening, because real estate is being renned out, you will see medical practices move in there. Maybe urgent care centers, nursing schools. Sometimes even wedding venues are moving into these big spaces. Even enclosed malls . Even enclosed malls. Gerri i understand highend malls are looking for other uses as well. They want to introduce entertainment. They want people to come to the mall and not just shopping. Were seeing big changes than just what is being offered . Absolutely. Were back in the day when tiffany was performing concerts in malls growing up. We might see that again the we might see them turning into music venues. That is one way to get traffic back in the malls. Gerri anything could happen. Anything could happen at this point. Gerri thanks for coming on. Great to see. We want to know what you think. Here is our question tonight. Where do you shop more . Do you shop online . Is it stores . Is it bricks and mortar . Is it virtual . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will show the results at the end of tonights show. Still too come including a lot more including your voice. Do you have a reaction . Tell us, let us know or send me an email at gerriwillis. Com. At bottom of the hour i will read your tweets emails. List then we have a big one here. Where there is a will there is a way. He calls himself average joe. He saved 60,000 on a 40,000 salary, thats extraordinary. He shares his secrets coming up. [ male announcer ] some come here to build something smarter. Some come here to build something stronger. Others come to build something faster. Something safer. Something greener. Something the whole world can share. People come to boeing to do many different things. But its always about the very thing we do best. Starts at 6 30 a. M. On the vo rush hounose. Und here. But for me, it starts with the opening bell. And the rush i get, lasts way more than an hour. announcer at scottrade, we share your passion for trading. Thats why weve built powerful technology to alert you to your next opportunity. Because at scottrade, our passion is to power yours. Gerri where there is a will there is a way. Every week were inviting you, our viewers, to come on the show, share your Money Success stories. Now, whether you rebounded from multiple bankruptcies like larry smith here or beat all the odds in the nfl like andrew hawkins, newly signed wide receiver for the Cleveland Browns we want to bring you positive headlines that impact your life. People are wanting to do that right away. We want to spotlight that. Our next guest calls himself an average joe but he saved 60,000 on a 40,000 salary. Joining me a special Education Teacher and Financial Literacy coach from georgia. Author of simple book of financial wisdom, teach your kids how to live wealthy with little money. Danny, welcome. Thanks, gerri for having me on. Gerri great to have you here. All right, lets start with the story how you were able to set aside all this money. What was your savings plan . Well, we just did a dollarcostaverage. When my wife and i tracy got married 14 years ago we started setting money aside for our retirement. Every single month a set amount comes out of our paychecks before we have a chance to see it, touch it, get used to it and spend it. So it is taken out invested dollarcostaverage into mutual funds. Over the course of 14 years, that amount has grown. Now there were times, obviously a few years ago it was down. Now it is backs up. That is the thing. With the stock market. I know it is in it for the long haul. There will be some roller coasters. Thrill will be some ups and there will be downs. When you look at historical average of the stock market we know it grows 10 a year. Well trust history and just let it ride. Gerri danny, that number is a little debatable i think. Here is what i want to ask you. So i was told you guys are saving 800 bucks a month. That is pretty darn impressive. We, that isnt just all for retirement. What were doing now too. Were setting money aside for Emergency Fund. We have it built up pretty high but the goal is for tracy, she just went back to work as school teacher. We have daughter nine and another daughter six. The goal for her when our children are in middle school, when the oldest one enters middle school couple years for tracy to stay home again hopefully until they go to college. Were building up Emergency Fund to enable her to do that. Gerri well, i have to say, you have an adorable family. Really handsome family. The girls are so cute. Thank you. Gerri talk a little bit about, this takes some real persistence. This isnt something you can think you will get away with and do halfway. You really have to be committed to it. Youre both teachers. How did you manage to set aside this much money every month . What did you have to cut back on . Well, the fortunate part for us we started at the beginning. Gerri right. That i think is key especially for people just starting out. When you dont miss it, when you start off doing it, then you dont get used to it. Unfortunately a lot of us get used to how much were making, we spend that much, if not more. That helped us. My car is 12 years old. We live in alismaer home. We dont have it all. But we have what we need. That makes us happy and that is the thing. We are focused and that is the goal. The goal is for tracy to stay at home before they entered Elementary School and she was able to stay at home nine years living on my teacher salary. The goal is eventually to have her stay at home again and still do cool things. We went on vacation. We went to disney word in the fall. We do some fun things. Were smart about it and we dont have it all. Gerri you say most people not income problems but outgo problems because people spend so much. I think were all aware how much americans use their credit cards to make up for their spending every month. Lets talk about your Emergency Savings. Because not only have you been setting aside money for retirement. You have Emergency Savings you had to tap recently. You had to fix your roof after a hurricane. Brakes on the minivan. How much have you had to put out in just emergency costs lately . And how prepared were you for that . Well, over time, hurricane was a number of years ago. The van was just a couple of years ago. So it is just over the course of probably the last six, seven years, of when that money comes out. But, you know, just why it is so important to have an Emergency Fund set up. I stress to people, have that Emergency Fund before you even start investing for retirement. And, depend who you talk to but i think at least 3 to 6 months worth of Living Expenses because, listen if you live in a house long enough, something is going to break in it. Youre going to have to fix it. If you drive, if you drive a car long enough you will need new tires. Not murphys law i have bad luck and things happen to me. Things do happen. If you have kids they will break something. It happens. So that is the thing. Having that Emergency Fund, it can help you prepare for that but also enables you to ache advantage of opportunities that come your way that you dont know about because if youre living paycheck to paycheck. Someone says i have this great idea for you but you if you dont have money to fork over to invest in it, you will stay stuck where you are. I think Emergency Funds are good for two things. To save for emergencies and unfor seen opportunities that come your way. Gerri that is just a terrific point, it really is. I have to ask you about the fact from what i understand from my producer your house will be paid off in nine years. Yes. Gerri how early is that and what does that make you feel like . Will you burn the mortgage . What is your plan . I mean thats what is cool. When youre completely debtfree, you can pretty much do whatever you want. If i, i enjoy my job. If i go to work one day and someone in my ear and im done with it and i dont feel passionate bit, when i dont have debt it opens up opportunities. I think, if i wanted to volunteer, go on mission trip, whatever it may be when youre debtfree, those opportunities youre able to take advantage of. For us, i know there are some people that work in order to have money to buy things. My family, we kind of save our money to have opportunities. I dont know what will happen month from now, six months from now, a year from now. There could be opportunities that come my way, if im able to take advantage of it, that is how we grow at life and become better. Youve been saving since 2000. Young teacher, you and your wife doing a great job. Thanks for coming on the show. Great to meet you. Gerri, thank you so much for having me on. I enjoyed it. Gerri youre most welcome. We want to hear from you, have you overcome some some kind aftr Financial Hardship to get back on the road to retirement . Tell us inspirational stories others can hear an enjoy. Visit me at gerriwillis. Com. Send me an email and tell me why you should be on the show, you should be on the show if you have a good story. Despite an obamacare promise, listen to this, Emergency Rooms are busier than ever. Well break down the alarming numbers. We answer the question, how do you do that . Its in black and white but how do you tell, you can, if someone lies to you in an email. So much harder if you dont see them. Well tell you how, coming up. [ male announcer ] if youre taking multiple medications, does your mouth often feel dry . A dry mouth can be a side effect of many medications but it can also lead to tooth decay and bad breath. Thats why theres biotene. Available as an oral rinse, toothpaste, spray or gel, biotene can provide soothing relief, and it helps keep your mouth healthy, too. Remember, while your medication is doing you good, a dry mouth isnt. Biotene for people who suffer from dry mouth. Gerri coming up, do you ever wonder if somebodys l text or . The telltale signs of an online liar. Next. Gerri we just gotten word from the consumers products safety commission. They have issued a formal recall for the nest labs Smoke Detector. Youre seeing it right there. These smart Smoke Detectors, they have a problem. The feds say the Smoke Detectors may not sound an alarm when there is actually a fire. The reason is the nest wave feature. That was designed to help homeowners stop false alarms. There are more than 400,000 nest Smoke Detectors involved in the recalls. That nest labs Smoke Detector being recalled. If you have it in your house, watch out. Well, talk about online. Like it or not much of our lives are online, right . From work to socializing with friends even Online Dating but with virtual convenience comes uncertainty whether or not people are being honest with you. So how do you spot an online liar . Joining me psychologist jeff gardere. Good to have you here, dr. Jeff. Great to be here. Im telling you the truth about that. Gerri thats great to hear. Hard enough to people are telling you truth when sitting across from you. Much less online. Why is it so much harder online . On line youre not seeing persons face. It is tough enough with the person in front of you. You can at least see their facial gestures, their body movement, the tone and quality of their voices but when youre on line the person can think about what it is they want to lie about and certainly all youre looking at are the words. That is only thing that you can analyze. Dont have the tone of the voice. You dont see how theyre looking at you, if theyre looking at you. Or looking away, our eyes are going in a different direction, absolutely. Gerri there are all kinds of tests you have in the real world. When youre online, i get tired of trying to parse the words and understand what people really mean because you cant tell. Sure. Gerri so lets go through some tips to spot an online liar. Okay. Gerri how do i tell . One of the first things you want to take a look at is, whether in fact the words that are being given, whether theyre trying way too hard, or if theyre too emphatic in what theyre saying, too excited. When speaking in that way, theyre really should be an emergency. If there is an emergency why are you so excited about it . Then of course, keeping distant or vague, just parsing out or not even giving the right amount of information that one should get. If theyre not using your name, certainly that is a situation gerri how come . I dont understand. I talk to people all the time on line and dont use their name. Yeah. Gerri because im sending an email directly to a person. But they also know who you are. If youre getting a lot of emails from folks that you dont know and theyre trying to scam you into something, they will say friend, they will say you, they will say, honey, and you dont even know these people and theyre using those sorts of ways to address you. Gerri and then theres the ones trying to oversell you on something. Thats right. Gerri convince you of something. Is that a good sign . That is not a good sign especially if theyre trying to convince you theyre not trying to sell you something but at the end of the day, they do want your money, they do want you to do something for them. Gerri okay. We have some examples here. Great. Gerri there are lies in these emails. Dr. Jeff is going to show us. So heres the first example. Devon kile, this is email youre getting invited me for a drink after work and jason came along. We must have left later than i was realizing. There is Something Weird about that i cant put my finger on it. It is last few words. Later than i was realizing. So the person is not taking responsibility for the time that they left, for one and secondly, it seems like there is some issue about going out to work after and just, the way, that oh, by the way, jason came along. Gerri hmmm. Tenses dont match. All very strange. Thats right. Gerri heres another one. It is describing basically the same situation. Here is know way people lie. I was having drinks after work. Did you and your sister ever decide where were having the barbecue next weekend . Uhoh. Two inconsistent thoughts going on there. Having drinks after work and then all of a sudden before someone can criticize you for going out and maybe lying about that they just throw in, oh, by the way when are we having a barbecue . Like to pull the old okeydoke before you can be criticized. Its a distraction. Its a distraction. Gerri final example of somebody trying to put one over on you. Deb and kyle invited everyone out for drinks. First we tried the sports bar and it was backed. We ended up by the restaurants by the water. They wanted to get inner. I just want ad appetizer. To be honest i dont remember what i recorded but it took forever to arrive. Hello, that is book. Went out with deb and kyle. Certainly maybe they didnt want to do that took forever. They got home late. Look theyre trying to overconvince you. Every little thing that happened. We dont care that you stopped at sports bar first. Nothing happened there. Bottom line you trying to convince me of something that you know that you did wrong. Gerri do you know this reminds me of me as a kid. Well, mom, somebody came with us and they were late to the party and i was late to the party. Thats it. Thats it. Gerri an an elephant crossed the street and lion and a bear. Excuses and it goes on and on and on and on. You cant convince me that there was something that you did. You know that it wasnt right. Dont convince me you did something good. You did something bad. You lied you lied gerri the people in those emails lied. The people in those emails lied and that aint no lie. Gerri dr. Jeff, thanks for coming on. Always a pleasure, thank you, gerri. Gerri i feel he hadfied. Coming up later in the show a growing epidemic among seniors and misuse of Prescription Drugs. Theyre abusing drugs. How the quiet tweets to obamacare could all but insure a taxpayer bailout for insurers. The details coming up. [ girl ] my mom, she makes underwater fans that are powered by the moon. She can print amazing things, right from her computer. [ whirring ] [ train whistle blows ] she makes trains that are friends with trees. My mom works at ge. Gerri obamacare was supposed to be a bargain that is how it was sold but buried deep in over 100 pages of regulation there is said door opening taxpayers to rate potential 1 billion bailout of the insurance industry. Year with the latest of a senior fellow from the manhattan institute. The back door bailout . I feel like i have heard this before. We will bail them out just in time for the election. How do we do that . Think of this as the Insurance Fund for the insurance. It is supposed to take money from insurers and those who have losses. In that would allow them to do this they will try to move money around your to hear but at the end of the day the possibility when the Program Expires insurance can be left holding but they say they will find money if there is a shortfall. Gerri that doesnt work get my household. I wish they had to do my budget and my accounting. It is like Musical Chairs if there are any losses basically we have to suffer the losses for if we confined to money from somewhere else to put money into the fund. Gerri and this is where we found multiple obamacare stories. All of them shocking emergency room emergency room visits are up by that there were supposed to go down . But what we saw in oregon was that it was for a few Different Reasons that it paid doctors so little that if there is the big medicare expansion then they go to that er. Gerri we just saw of full screen that physicians are concerned. Now one of my favorite stories today is the of life is that . They built a lead site that does not work there is the suspicion that they actually faked a demo web site for federal authorities to get more money when it was not working. Gerri is this criminal . I heard this was a criminal problem. The fbi thinks so that is why they are subpoenaed the above site and the Health Authority to get emails between them and federal regulators if they tried to get federal money. Gerri like amazon coming out with a beta web site to push it as if you could use. If you were a federal contractor in did not build the building but then showed a picture that could be what happened. Gerri now it will cost you 01 billion dollars. How do we get this number . Building it is expensive but you have private companies that do this for a living so widely spend 1 billion of this web site . To reinvent the wheel it is 01 or 3 premium tax to cover the cost. Gerri always good to see more Health Concerns showing Prescription Drug misuse is of problem period a thousand Older Americans are dependent on powerful painkillers. What is behind this . We have dr. What is going on with the seniors . People would tune out to the story saying i am not an addict i just take medications as prescribed but what is happening people take these very potent medications but the dose escalates and they have more side effects and complications. Gerri looking at the drugs they are taking it is not a tylenol they are potent. What are they taking . Hydrocodone pike event, auks seco dont. Set proxy content and then it they take morphine and even fentanol. Gerri where they prescribing these for seniors . Limit because they want to Health Care Patients be out of paying. But seniors have them on this earth 65 years and frankly your body will not be paid free at 65. We dont accept that as the society or culture were medical profession. Gerri that these drug czar they the right solution . No. For very few people do they really work effectively. That said people to take the drugs and work to take the pain and that is not a we talk about the people who start on a reasonable throat reasonable those now it is tolerant so now higher doses with more complications seniors have less kidney or liver function and are prone to the toxicity to have more pain on the drug tamoxifen and off of them. Gerri that is terrible. Talk to the sandwich generation. How do you know, theyre not ejected . Talk to them. The real solution to the problem should talk about grade school with no restriction in to talk to seniors. You dont have the sparkle in your eye that you use to you, with four prescriptions for orders or pain is this a good idea . You are not as good now as you were before. What else can we do . Gerri i would read as the drug label sometimes parents dont give you the whole story. Do you go that far . Absolutely. Why not . They have a lot of warnings and the fda calls it a proper deterrent still make use of them. They have a lot of significant warnings and that said we see the labels read odd air to all medication and advertised i am not sure it deters them. Gerri good point. Good to hear from you. Here is what some if you are tweeting me. Where do shot more . Of minor in the store . I have not been to a mall in a month it needs to be reinvented. I like to see but i buy and i have to try everything on. Is the mall. Is that the building that is a and a . I have not been there several years. The tabloid wars are heating up does microsoft really have the last killer . Here it is your consumer gauge. We will be right back. If. Hey breathings hard. Know the feeling . Copd includes emphysema and chronic bronchitis. Spiriva is a oncedaily inhaled copd maintenance treatment that helps open my obstructed airways for a full 24 hours. Spiriva helps me breathe easier. Spiriva handihaler tiotropium bromide inhalation powder does not replace fastacting inhalers for sudden symptoms. Tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. These may worsen with spiriva. Discuss all medicines you take, even eye drops. Stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells, you get hives, vision changes or eye pain, or problems passing urine. Other side effects include dry mouth and constipation. Nothing can reverse copd. Spiriva helps me breathe better. Does breathing with copd weigh you down . Dont wait to ask your doctor about spiriva. Gerri the ipad is an ominous with tablets but microsoft hopes it will take a bite out of the market share. Welcome back to the show. You demo the new tablet out. But you think . Understand it tried to position as a laptop replacement but of course, it is both a tablet and a laptop that is something you cannot say for obviously that mack book air or the ipad this is not have a touch screen but this does. Gerri they call it laugh ability that i think means nothing. It does not mean that something except for the fact the surface pro three is the device i had used tuned will use on by a flap the kickstand is completely adjustable now will set of a couple moves now i can do this which is pretty cool witches neat because if i want to i can draw. Gerri to that. It comes with the pen. You can draw a right to on its and the pen by the way is good for making quick notes. Gerri with my desktop computer i constantly pokes fun at that. Would defy power this down to make it dark . I hit the 10. What just happened . It is bluetooth because now i can quickly take notes so the ada is you are Walking Around with this and basically yes that is the good idea lets do that. You can take notes on the fly. Starting at 799 of productivity device here add the keyboard for 129 by the way you really want that. With a comparable price to the mac book fair a. M. This is a full windows machine, all the power, all the capability you can run all apps not just some of them like adobe photoshop with nine hours of battery life that is really good. That means of fulfilling flight and sometime in the hotel in the evening. Gerri so this is a real competitor . My husband has the first version and love said. And runs on office. Yes. Fullblown not just a the little baby office. There is a desktop that looks just like your standard desktop. Night between but remember this is not about to consumption yes netflix is on there but they did not release the aid in establishing but they web of hard under the direction of productivity and to they are about productivity. Gerri this seems like business ipad versus this. I quickly dont see it as a comparison because with the base price the ipad is the ultimate tablet. Bobby the tablet that you get in a lot of consumers are getting 8inch tablets. Why wouldnt you . But you buy everything. [laughter] i do love tech. No apologies. Great to see you. Coming up the Second Time Around more baby boomers are ending their second marriage and what you need to know to beats the odds to protect your retirement. Stay with us. Gerri baby boomers calling it quits after years of marriage. Why is it happening . Coming up. Gerri baby boomers are getting divorced at an alarming rate with the divorce rate for second marriages over 60 percent. What do you need to know to beat the odds . We have an attorney on the show. We have a divorce rate that has doubled for people who are 50 . Why is this number spiking . Some people think the economy is doing better so people can afford to get divorced. But for baby boomers nobody likes to lose half of their assets but for people who are older the consequences are crazy because we have less time working to make of the financial hit. It is so costly overtime people underestimate how much it will mean but by the time theyre in their 50s that should be the higher earning savings years. What are those risks to people if they try to get remarried . The divorce rates is over 60 percent. If that second marriage does not work out they will impact their retirement, finances. Gerri what should you do . It is critically important to get every nuptial all. Gerri that is not even loving but you have a lot to protect. All marriages will end up either at death or divorce so you needed do layette out who gets what in the event of a divorce or if i die before my new hot has been to that my children will get my assets. That is a huge asset to worry about. Should you really write your will . How far should you go . Avoid playing venues bows of the deed to your house. Double trump the little i want to make sure my Adult Children get the house and not my surviving husband. Gerri that is very tricky like you have to get your own attorney to fight it out and you are talking about marriage. But to put in writing on the front and insurers the family but not be at each others throats later. Gerri we will be right back. Predicting the future is a pretty difficult thing to do. But, manufacturing in the United States means advanced technology. We learned that Technology Allows us to be craft oriented. No ones losing their job. Theres no beer robot that has suddenly chased them out. The technology is actually creating new jobs. Siemens designed and built the right tools and resources to get the job done. Can you start tomorrow . Yes sir. Alright. Lets share the news tomorrow. Today we failrly busy. Tomorrow were booked solid. We close on the house tomorrow. I want one of these opened up. Because tomorow we go live. Its a day full of promise. And often, that day arrives by train. Big day today . Even bigger one tomorrow. When csx trains move forward, so does the rest of the economy. Csx. How tomorrow moves. When folks think about wthey think salmon and energy. But the energy bp produces up here creates Something Else as well jobs all over america. Engineering and innovation jobs. Advanced Safety Systems technology. Shipping and manufacturing. Across the United States, bp supports more than a quarter million jobs. When we set up operation in one part of the country, people in other parts go to work. Thats not a coincidence. Its one more part of our commitment to america. 31 where do you shop . Online or in stores . 32 percent said online 68 percent said in stores. Interesting. Log on for the online question every weekday. We covered a lot of ground to but i wish we had more time for the gm recall story this time the small car whose dashboard catches fire some of the problems are dangerous brothers not so much. Like the 8200 cars recalled because they may have we are brakes on front wheels . Congress will have hearings calling this ceo back to the witness stand and for once i cannot blame them. That is set for the willis report. Have a good night. Neil called it mcdonalds getting grilled. Protesters circling on the illinois headquarters with a shareholder meeting. What they want to see is have them play nice on minimum wage to double at 15 an hour so workers dont have to protest like they are id eleanor. Things got so bad mcdonalds had touche set down facilities that 50 protests were clergy and most of the others were also told