♪
>> GOOD MORNING, EVERYONE AND
WELCOME TO YOUR CHEDDAR
SPONSORED BY ALLY, I'M TEMPS
KIND OF ACT.
>> I'M NOR
ALI AL BY THE DIGITAL FINANCIAL
SERVICES COMPANY THAT OFFERS ON
LIKE BANKING INVESTING, AUTO
FINANCE AND HOME LOAN PRODUCTS
SERVICES THEY STOP AT NOTHING
TO DO IT RIGHT AND ARE A
RELENTLESS ALLY FOR YOU AND
YOUR CHEDDAR.
>> WELL OUR FINANCIAL ANCHORS
THE SENATE SPONSOR OF THIS
PROGRAM, THE OPINIONS AND
STATEMENTS EXPRESSED IN THE
FOLLOWING SEGMENTS. OUR OWN.
WE HAVEN'T ACTUALLY PACKED SHOW
TODAY, LET'S START BY TALKING
ABOUT
THE MARKET BECAUSE FUTURES ARE
TRADING SLIGHTLY HIGHER THIS
TUESDAY MORNING PRESIDENT TRUMP
IS SET TO ADDRESS THE ECONOMIC
CLUB OF NEW
YORK TODAY AND IS EXPECTED TO
GIVE US SOME DETAILS AND ABOUT
THE STATUS OF THE TRADE TALKS
BETWEEN THE US AND CHINA.
INVESTORS ARE WATCHING FOR
SIGNS OF PROGRESS ON THOSE
NEGOTIATIONS PRESIDENT TRUMP
SAID ON FRIDAY THAT HE HAD NOT
AGREED TO LIVE SOME TARIFFS ON
CHINESE GOODS
REFUTING CLAIMS TO THE
CONTRARY I KNOW IT'S UNCLEAR TO
ME AND I THINK THAT EVERYBODY
AT THIS POINT EXCEPT PERHAPS
PRESIDENT TRUMP HIMSELF TO WHAT
HE SAID THE PRESIDENT WILL
STICK TO THE SCRIPT
TODAY. YEAH OUT OF THIS
AUDIENCE WHICH IS A DIFFERENT
AUDIENCE THAN HE'S USED TO TO
ADDRESS.
>> YEAH THE AUDIENCE
LOOKING FOR ANY HINTS AS TO
WHERE WE ARE IN THE TRADE WAR
WITH CHINA JUST FOR THIS PHASE.
ONE WE'VE HAD SO MUCH BACK AND
FORTH THAT PRESIDENT TRUMP
FIRST ANNOUNCING IT CHINA
SAYING THEY HAD
SOME HESITATIONS. THE LAST WEEK
INVESTORS WE'RE REALLY
OPTIMISTIC THAT WE WERE GETTING
CLOSER TO THAT PHASE ONE GIVEN
THAT CHINA SAID BOTH SIDES HAD
AGREED TO
REMOVE TARIFFS FROM EACH
OTHER'S PRODUCTS AND FACES AND
THEN PRESIDENT TRUMP COMING
BACK AND SAYING JUST GETTING SO
JUST FOR THIS PHASE, ONE EVEN
THE PRESIDENT TRUMP SAID
THIS WOULD COVER ABOUT 60% OF A
FULL TRADE DEAL JUST TO GET TO
THAT POINT THERE'S BEEN SO MUCH
HESITATION AND UNCERTAINTY
REALLY PRESIDENT'S REMARKS ARE
SET TO BEGIN AT NOON KRISTEN
SCHOLER
WILL BE.
>> COMING FROM THERE IN MIDTOWN
MANHATTAN GIVING US UPDATES OR
ALSO TO BE SHOWING YOU THE
PRESIDENT'S REMARKS HE ALSO IS
SET TO TAKE YOU IN A FROM A
PRIEST GREEN QUESTIONERS
UNCLEAR WHAT THEY WILL BE
ASKING A BUT THAT WILL BE AN
OPPORTUNITY FOR THE PRESIDENT
TO GO
OFF-SCRIPT PERHAPS IF I WERE OF
YEAH TO WAGER I WOULD NOT GO
THAT ROUTE ALL THE WAY UP A
LITTLE BIT BUT A LOT IS AT
STAKE HERE LIKE YOU SAID THAT
BETWEEN YEAH IN THE US BETWEEN
CHINA AND THE US IN WITH IN
TERMS OF EU WITH US AUTO
TARIFFS AGAINST CHINA ALL THAT
AS YOU TALK
ABOUT THAT WERE DISCUSSED LAST
WEEK IN ADDITION TO THAT I MEAN
HE'LL PROBABLY TALK A
LOT ABOUT.
♪
THE AWAITING THE WAY THAT HE
SEES THE ECONOMY HAS IMPROVED
UNDER HIS PRESIDENCY WILL TALK
WITH THE FED.
>> RAIL ON THE BALLOT. HE WAS
EVER TO BE WELL, BUT WE ARE IN
THIS HEADLINE DRIVEN
ENVIRONMENT, RIGHT. IT DOESN'T
EVEN MATTER AS MUCH ABOUT MACRO
DATA IT'S WHAT PRESIDENT TRUMP
SAYS OR CHINA SAYS ABOUT
TRADE WAR, THE TEND TO HAVE
MOST OF THE IMPACT ON THE
MARKETS WILL TRACK THAT
AS WELL IN THE MEANTIME MOVING
ON HERE THE UNEMPLOYMENT RATE
FOR RECENT COLLEGE GRADS IS
WORSENING ACCORDING TO DATA
FROM THE NEW
YORK FED. UNEMPLOYMENT RATE FOR
RECENT COLLEGE GRADUATES HAS
BEEN US SLOWLY INCREASING SINCE
MAY AND 4% IN SEPT
AMBER AS OF SEPTEMBER 2019 A
YOUNG WORKERS AND RECENT GRADS
RANKED THE HIGHEST WHEN IT
COMES TO UNEMPLOYMENT,
SITTING AT 6.5% AND 4%
RESPECTIVELY THE STUDY
CONSIDERS ON WORKERS
AS AGES, 22 TO
27 WITHOUT A BACHELOR'S DEGREE
AND RECENT GRADS OF THE SAME
AGE GROUP WITH A BACHELOR'S
DEGREE OR HIGHER. THIS MARKS
THE FIRST TIME NEW GRADUATES
MORTON WAS LIKELY TO BE
UNEMPLOYED THAN THE BASE
WORKING POPULATION SINCE 1990
THE NEW YORK FED STARTED
COLLECTING THIS DATA
THE REPORT BY THE INSTITUTE FOR
COLLEGE ACCESS AND SUCCESS
STATES THAT RECENT GRADS OF AN
AVERAGE OF $29,000 OF DEBT
CONTRIBUTING TO THE RECORD
BREAKING ONE AND A HALF
TRILLION DOLLARS IN STUDENT
LOAN DEBT IN THE US. SO SOME
EXPERTS ARE SAYING THAT THIS IS
ALSO KIND OF A MISMATCH
OF SKILLS. THE LACK OF
EXPERIENCE OF RELEVANT
EDUCATION WHERE WE RECENT GRADS
TWEET THIS ALL THAT HI MY NEED
12 MONTHS 2 YEARS 3 YEARS OF
EXPERIENCE TO EVEN GET A JOB
THOMAS WAS TO HAVE THAT
EXPERIENCE OF
KNOWING IT AND ME AND COMPANIES
ALL OF THEM ARE CAUTIOUS AS
WELL DUE TO THE TRADE WAR MAY
BE LESS LIKELY TO HIRE THOSE
MORE ON SKILL.
>> WELL LOOK THIS STARTLING
STATISTIC COMES AGAINST A
BACKDROP OF A COUPLE DIFFERENT
THINGS PLAYING OUT ONE OF THOSE
IS OUR STUDENTS
RIGHT NOW BEING PREPARED FOR
THE RIGHT TYPE OF ECONOMY ARE
THEY GETTING THE RIGHT TYPES OF
SKILLS IN COLLEGE A LOT
OF QUESTIONS COMING OUT RIGHT
NOW ABOUT HEY WHAT IS IT WE
ACTUALLY NEED THERE STUDENTS
FOR WHO ARE ENTERING
THE WORKFORCE. 2019 WILL BE
FUTURE PROOFED THOSE JOBS
RIGHT, BUT AT THE SAME
MAKE THEM. GIVEN THE ABILITIES
IN NEED IN THE ASKED TO SEE IT
IN THOSE JOBS RIGHT NOW THE
OTHER PARTY YOU HAD ON THIS
WITH YOUR WITH YOUR DISCUSSION
OF 2 AND DEBT IS THE RISING
PRICE OF COLLEGE IN. WE'VE SEEN
OUTPACE INFLATION FOR THE
BETTER PART OF A MORE THAN THE
LAST DECADE THAT POINT SO AS
COLLEGE IS GETTING MORE IT'S
NOT NECESSARILY
PREPARING STUDENTS FOR THE
RIGHT TOUCH OF JOBS AS THEY
LEAVE COLLEGE IS A BIG CONCERN
I THINK WE'RE GOING TO RUB SOME
SORT OF BIG CHANGE IN IN HIGHER
EDUCATION
DURING OUR.
>> ALL RIGHT, YEAH, IT'S MORE
MAYBE THE SOFT SKILLS
INTERPERSONAL SKILLS THAT MIGHT
BE MORE OF A FOCUS RIGHT WITH
MORE AUTOMATION.
>> JUST MORE SORT OF AI MACHINE
LEARNING RIGHT IN THESE FIELDS
LIKE
FINANCE, ESPECIALLY THESE
COMPANIES HAVE EVEN MORE
DIFFICULTY RETAINING TALENT, SO
IT COULD BE MORE OF THAT
INTERPERSONAL SKILLS AS TOP
MORNING, COLLEGES. I THINK TO
PREPARE THEM. WELL, LET'S TALK
INSTAGRAM BECAUSE THE COMPANY
WILL BE IN HIDING ALIKE COUNT
ON SOME POST THIS WEEK IN THE
U S.
>> WELL USERS WILL BE ABLE TO
SEE THEM OUT OR THE NUMBER OF
LIKES ON THEIR OWN POST THEIR
FOLLOWERS
WILL NOT AND THEY WON'T BE SEEN
IN PUBLIC FEEDS. THE PLATFORM
HAS BEEN EXPERIMENTING WITH
UNLIKE SOME COUNTRIES LIKE
ITALY AND AUSTRALIA AND
THE RESPONSES. JEN BUT
GENERALLY POSITIVE BUT
INFLUENCERS WHO COUNT ON INCOME
FROM THEIR SPONSORSHIP DEALS
HAVE SAID THE CHANGE WILL
HARM THEM. ACCORDING TO STUDIES
STUDIES INSTAGRAM INFLUENCER
MARKET IS EXPECTED TO GROW FROM
ONE BILLION LAST YEAR TO NEARLY
TWICE
THAT NUMBER BY 2020 INFLUENCER
MANAGEMENT PLATFORM TRACKER
SITES THAT 72% OF MAJOR BRANDS
DEDICATED A
BIG CHUNK OF THEIR BUDGETS TO
ENFORCERS SO HOW MUCH MONEY
DOING CRUNCHES ACTUALLY MAKE
WELL MANY I
HER FOLLOWERS IN WINTER HAS THE
PRICE TAG ON MOST POSTS CAN
RANGE FROM 75 TO UPWARDS OF
$8,000. CELEBS LIKE KIM HER
DASHING REPORTEDLY CHARGED OVER
250
$1000 FOR A PICTURE ON
INSTAGRAM I WANT TO START WITH
JUST DISLIKE
DEBATE HERE ARE THEY TO STAY ON
AT THE START OF CONCRETE, I
KNOW THAT I'M OK WITH THAT WE
DO WITH THAT TIME WE TALK
ABOUT.
I THINK IT'S A MUCH BIGGER THAN
IT'S BEEN AN ADJUSTMENT FOR YES
ABSOLUTELY ITEM THE SYRIAN
HEADS UP IT'S BEEN A FACEBOOK
FOR YEARS. YEAH SOUNDS
INSTAGRAM HE HAD TOP
INSTAGRAM NOW.
>> HE THEM AT AN EVENT LAST
WEEK FOR WIRED AND AT THE
WIRE DEMAND. HE TALKED ABOUT
HOW STARTING THIS WEEK THE US
ON SOME BOTH IN THE US THEY
WILL START EXPERIMENTING, IT'S
A SMALL PERCENTAGE OF USERS
RIGHT NOW. HE SAID THIS
IS ABOUT IT'S AND IT'S ABOUT
MAKING SURE THAT INSTAGRAM IS A
SAFE PLACE FOR KIDS HE DOESN'T
WANT KIDS CAN HERRING
THEMSELVES TO
OTHER KIDS WHEN THEY'RE POSTING
PHOTOS AND THOSE PHOTOS MAY NOT
GET THE SAME NUMBER LIKE YEAH,
IT'S ABOUT MENTAL HEALTH
AND IN THE PAST WE SAID THIS ON
MAKEUP OF CHEDDAR TEENS IN THE
UK REPORTED THAT INSTAGRAM IS
THAT MAKES THEM FEEL IT
WORST ABOUT THEMSELVES AND HAS
TO DO WITH THE LIKES NOW MAKE
NO MISTAKE INSTAGRAM WOULD NOT
BE DOING THIS IF IT WEREN'T A
SMART BUSINESS DECISION AS
YOU KNOW FROM YOUR EXPERIENCE
AT IT AS A PRODUCT MANAGER
THESE ALL THESE. A B
TESTING RIGHT TO FIND OUT WHAT
PEOPLE RIGHT IT'S AROUND IS
ALWAYS DOING YEAH IF THEY FOUND
THAT PEOPLE ARE ENGAGING WITH
THE PLATFORM AN ISSUE THEY'RE
SHARING WITH THE PLATFORM.
YEAH BECAUSE THEY ARE NOT
CONCERNED AND ABOUT POSTING A
PHOTO AND HOW MANY LIKES IT
WILL GET IT SPENT THEY SPENT
MORE TIME ON THE PLATFORM,
THEY'RE SCROLLING MORE RIGHT ON
MORE THAT'S A GOOD THING FOR
INSTAGRAM YEAH IT
MIGHT GO.
>> WE DON'T KNOW THE RESULTS OF
RIGHT EXACTLY RIGHT IT MIGHT BE
IN THE SHORT HEADS TO THEIR
GENERAL BUSINESS METRICS BUT IT
SEEMS IT SEEMS A LITTLE
ANTITHETICAL RIGHT. THESE ARE
VANITY METRICS SOME PEOPLE ARE
DRIVEN TO ENGAGE MORE BECAUSE
THEY HAVE THEIR
PUBLIC LIKES AND FOR INSTAGRAM
AND FACEBOOK OR AND PROBABLY
SOCIAL PLATFORMS THEY ARE
TRYING TO FOCUS ON THE MENTAL
HEALTH ASPECT, BUT IT IS
ANTITHETICAL TO HOW THEY MAKE
MONEY RIGHT IF NOT HAVING LIKES
VISIT VISIBLY
PUBLICLY VISIBLE.
THIS MIGHT MEAN MAYBE LESS TIME
SPENT MEANS LESS EVER HAS NO WE
DON'T ACTUALLY KNOW YET WHAT
THE LONG-TERM IMPACT IT IS VERY
GOOD MORNING IN THE SHORT TERM
IT IS MORE
OF THIS KIND OF I DON'T SEE PR
MOVE BUT MORE OF THIS IS WHAT
WE'RE SIGNALING TO INVESTORS ON
RESULTED KNOWING THAT I JUST IN
GENERAL POPULATION IS WE CARE
ABOUT YOUR MENTAL HEALTH CARE
ABOUT PR THAN
THEY WERE.
>> WHEN THE DEFENDING
THEMSELVES ABOUT THE ELECTION
ABOUT NOT
START CHECKING.
>> DO YOU THINK PEOPLE DOESN'T
CARE ABOUT PR I'M SAYING I'M
SAYING THEY CARE ABOUT PR BUT
IT'S NOT IT DOESN'T SEEM TO BE
THAT DOES MAKE IT LOOK LIKE IT
IS IN THE EYE TO EYE WHEN IT
DOESN'T.
>> I'M JILL HAD A REALLY GOOD
POINT YESTERDAY AND WAKE UP
WITH CHEDDAR THAT THIS COULD
TAKE POWER AWAY FROM
INFLUENCERS YEAH AND THAT MIGHT
BE A GOOD THING FOR INSTAGRAM
BECAUSE IF INFLUENCERS APPEAR
LESS POWERFUL BECAUSE THE
NUMBER OF LIKES TO GET MORE
FOLLOWERS THAT OUT THEN
MAYBE THESE BRANDS GO DIRECTLY
TO ITS TARGET TO ADVERTISE
RATHER THAN THROUGH
THE END BUT INFLUENCERS WILL
STILL KNOW THAT RIGHT EXACTLY
ARE THE ADVERTISERS, BUT IT
MIGHT LOOK DIFFERENT ON THE
OUTSIDE TO STARTED SCROLLING IF
THIS WILL NOW HAVE NO IDEA HOW
MANY WRITERS PERCENT.
>> RACHEL WHAT WE TALK ABOUT
THIS FOREVER, BUT WE'VE GOT TO
MOVE ON COMING UP WE WANT TO
CUT COSTS ON HOLIDAY TRAVEL
THAT IS IT.
>> TUNE IN TO THE CRYPTO SPACE
THURSDAYS AT 2.30 ONLY ON
CHEDDAR
>> BETTER EVEN THOUGH POT
♪
>> SO LAUGHTER AND ME CARLO
VERSE ON
>> HUNTERS CAN
OF IS.
>> FOR ALL YOUR MARIJUANA
BUSINESS NEWS.
>> FOR THE BEST OR THE
CHALLENGING AMERICA TO FIX THE
NEXT BIG IDEA DURING A 66.
♪
>> SPACE TRAVEL NEWS.
>> THAT MONEY IN THE BANK DOS
EXCESS IS ALIGNED WITH THE
SUCCESS OF THE WORLD AROUND US
IT'S NOT ALL GLITZ FROM I AM
HERE IN THE CITY OF ANGELS.
♪
ON CAPITOL HILL IS AN ALL OUT
BRAWL BETWEEN THESE CANDIDATES
NEED
♪
TO OPERATE PLACE OF COURAGE.
>> WELCOME BACK TO YOUR
CHEDDAR BRATS.
>> BY ALLIED THE BANK THAT
WORKED RELENTLESSLY TO MAKE
YOUR MONEY WORK FOR YOU.
>> ACCORDING TO REPORT BY
NERDWALLET AMERICANS PLAN TO
SPEND AN AVERAGE OF ABOUT $1400
ON HOLIDAY TRAVEL THIS YEAR
TOTALING MORE THAN 100
$59 BILLION. JOINING US TO
DISCUSS HIS KIMBERLY PALMER
PERSONAL FINANCE EXPERT AT
NERDWALLET KIMBERLY THANKS FOR
JOINING US ON YOUR CHART TODAY,
AMERICANS ARE CHARGING BILLIONS
TO THEIR
CREDIT CARDS FOR HOLIDAY TRAVEL
SO ARE THE REWARDS AND PERKS
WORTH IT FOR SOME OF THESE
TRAVELERS.
>> I MEAN ABSOLUTELY AT THE
TRAVEL REWARDS CARDS CAN REALLY
HELP YOU WHEN YOU'RE PLANNING
YOUR BUDGET WE ACTUALLY GOT OUR
STUDY THAT ONE
A 3RD OF TRAVELERS ARE USING
REWARDS POINTS IN MY WELL TO
HELP OFFSET
THE COSTS. SO THAT'S CERTAINLY
ONE STRATEGY THAT PEOPLE CAN
USE, BUT YOU HAVE TO KEEP IN
MIND
THAT UP IF YOU CARRY ANY SORT
OF BALANCE ON THEIR CREDIT
CARD, IT'S VERY EXPENSIVE WITH
INTEREST RATES SO HIGH ON 18%
ON CREDIT CARDS. SO YOU WANT TO
MAKE SURE YOU'RE PAYING OFF
YOUR
BALANCE IN WELL EACH MONTH OR
REALLY ANY OF THE BENEFITS THAT
YOU'RE GETTING ARE CANCELED OUT
BY THAT INTEREST THAT YOU'RE
PAYING.
SAVINGS ON AVERAGE AMERICANS TO
TRAVEL FOR THAT THEY SAY THEY
START SAVING 9.4 WEEKS BEFORE
THEIR HOLIDAY TRAVEL DO YOU
THINK THAT SOON ENOUGH TO START
SAVING. IT CAN BE SO IT REALLY
DEPENDS ON HOW MUCH YOU PLAN
TO SPEND ON YOUR CAP IF YOU'RE
LIKE THE AVERAGE AMERICAN IN
THAT SPENDING ABOUT $1400 ON
HOTELS AND FLIGHTS THEN THAT
COULD BE ENOUGH, I'M JUST LIKE
TO MAKE SURE THAT YOU'RE
SETTING ASIDE MONEY EACH MONTH
FOR YOUR HOLIDAY TRAVEL SEE YOU
AVOID BUILDING UP THAT ON YOUR
CREDIT
CARD BECAUSE WHEN PEOPLE DON'T
HAVE THE SAVINGS TO PAY FOR
THEY END TURNING TO THEIR
CREDIT CARD INSTEAD.
>> HOW ARE YOU SEEING AMERICANS
TAKING ACTION TO SAY ON HOLIDAY
TRAVEL EXPENSES THIS YEAR.
>> WE ARE SEEING PEOPLE BEING
REALLY STRATEGIC
AND SMART ABOUT SHOPPING AROUND
FOR THEIR IT'S THAT DEFINITELY
SOMETHING WE ENCOURAGE PEOPLE
TO DO YOU CAN USE TOOLS LIKE
GOOGLE FLIGHTS HOPPER A KAYAK
IS ANOTHER ONE YOU CAN COMPARE
PRICES AND VARY NOT
THE TIME MEANING WHEN YOU PLAN
TO TRAVEL ALSO THE DAY IF YOU
HAVE THE FLEXIBILITY TO FLY A
DIFFERENT DAY IT CAN REALLY
SAVE YOU MONEY. ALSO EVEN THE
AIRPORT SO IT MIGHT BE A LITTLE
BIT MORE INCONVENIENT TO DRIVE
A BIT FURTHER TO A
DIFFERENT AIRPORT. BUT IT CAN
END UP SAVING YOU MONEY, THE
HOLIDAYS OF COURSE ARE THE
HARDEST TIME TO GET GOOD DEALS
ON FLIGHTS BECAUSE EVERYONE'S
TRAVELING THEN SO IF YOU DO
HAVE THE FLEXIBILITY IN YOUR
SCHEDULE THAT'S WHERE YOU CAN
SEE THE MOST SAVING OK, LET'S
STICK TO THE THEME OF TIMING
HERE WHAT IS
THE BEST TIME OF YEAR TO EVEN
START PLANNING AND BOOKING YOUR
TRAVEL.
WE'VE REALLY RECOMMEND THAT
PEOPLE START SEARCHING FOR
FLIGHTS DOMESTIC FLIGHTS 2
MONTHS IN ADVANCE, THE 2 MONTHS
BEFORE KHALIL SO IT'S
ALREADY TOO I'M HERE PLAYING IT
OVER THE HOLIDAYS IT'S NOT TOO
LATE THAT WAY YOU CAN TRACK THE
PRICE OF GET A SENSE OF WHAT
THE
PRICES ARE AND THEN YOU'LL KNOW
WHEN IT'S A GOOD TIME TO BUY IF
YOU'RE TRAVELING
INTERNATIONALLY YOU WANT TO
START EVEN EARLIER ABOUT 3
MONTHS IN ADVANCE NOT TO SAY
THAT YOU'RE NEXT MAKING A
PURCHASE AND BUT IT'S
THE MONITOR PRICES IN THE END
YOU WANT TO ACTUALLY GO AHEAD
AND BUY THEM AND IF YOU DO USE
THOSE
SCHOOLS LIKE WILL FLY TO OFFER
HIGH YOU CAN ACTUALLY SIGN UP
FOR PRICE ALERTS AND SO YOU GET
AN ALERT WHEN THE PRICE FALLS
AND THAT CAN REALLY HELP YOU
KNOW WHEN'S THE BEST TIME TO
BUY.
>> WHAT ARE SOME GENERAL TIPS
TO CUT COSTS WHEN TRAVELING FOR
THE HOLIDAY SEASON APART FROM
LOOKING AT THE
RIGHT TIME WHAT ELSE CAN PEOPLE
DO ONCE THEY BOOKED ONCE
THEY'RE HEADED TO THE AIRPORT
ONCE THEY ARE ON THEIR WAY.
>> ONE REALLY GOOD IDEA IS TO
CHECK WHAT IS IN YOUR WALLET IN
TERMS OF THE CREDIT CARDS
AT YOU AS SOME PEOPLE HAVE
BENEFIT ON THEIR CREDIT CARDS
FOR TRAVEL THAT THEY DON'T EVEN
RIDE. THEY DO HAVE SO THINGS
LIKE
TRAVEL INSURANCE. IF YOU DO
HAVE A TRAVEL CREDIT CARD WITH
TRAVEL INSURANCE WANT TO MAKE
SURE TO USE THAT CARD TO MAKE
YOUR PURCHASE THEN IF SOMETHING
GOES WRONG YOU CAN ACTUALLY BE
REIMBURSED. WE ALSO WANT TO
SAVE ON BAGGAGE FEES WHERE EVER
YOU. SO IF YOU HAVE AN AIRLINE
CARD FOR EXAMPLE THAT GIVES
YOU FREE I GET IS YOU CAN USE
THAT FOR YOU AND SOMETIMES EVEN
FOR YOUR TRAVELING COMPANION,
THOSE SAVINGS CAN REALLY
ADD UP. AIRPORT LOUNGES ARE
ANOTHER PARK BACK IN WITH SOME
CREDIT CARDS AND YOU CAN NOT
JUST FOR YOURSELF, BUT
SOMETIMES YOUR WHOLE FAMILY
INTO AN
AIRPORT LOUNGE GET FREE FOOD
DRINKS AND IT CAN REALLY HELP
THE TRIP GO MORE SMOOTHLY AND
ALSO SAVE MONEY. IT'S A
DIFFERENT TRAVEL SITES. BUT
WHAT ARE SOME OF THE GOOD TOOLS
FOR COMPARING FLIGHTS FROM THE
HEART.
♪
ONE OF HER
FAVORITE IS COPPER YOU CAN
BASICALLY A MONITOR WHEN PRICES
ARE GOING UP AND DOWN AND NOW
YOU KNOW THAT YOU'RE NOT
AT THE PEAK. I MEAN THERE'S
NOTHING MORE FRUSTRATING AND
BUYING A TICKET IN THING THE
PRICE DROP A FEW THAT WE WANT
TO USE A TOOL LIKE COPPER FOR
THAT GOOGLE FLIGHTS IS ANOTHER
GOOD ONE IAC AGAIN IT'S ALSO
GREAT TO WHATEVER TOOL YOU'RE
USING YOU JUST WANT TO MAKE
SURE AND THAT YOU ARE
MONITORING CRISIS, YOU GET THEM
OUT THEIR LOWEST THE ONUS IS
REALLY ON CONSUMERS TO DO THAT
HOMEWORK ABOUT THESE TOOLS CAN
MAKE
IT EASIER.
>> KIMBERLY PALMER PERSONAL
FINANCE EXPERT AT NERDWALLET
THANKS SO MUCH FOR JOINING US
ON YOUR CAT OR TODAY,
THANK YOU.
>> COMING UP WHY
♪
>> TODAY'S CONSUMERS VALUE
EXPERIENCES OF OUR PRODUCTS AND
HOW YOUR BUSINESS CAN KEEP UP
AFTER A QUICK BREAK.
♪
>> WE'RE
>> BACK WITH MORE OF YOUR
CHEDDAR SPONSORED BY A LIVE
EVENT IS RELENTLESS ABOUT
KEEPING YOUR
CHEDDAR STACKED.
>> WELL IT'S NOT EASY TO TURN
YOUR PASSION INTO PROFITS AND
THAT'S WHY ONE ENTREPRENEUR SET
OUT TO SHARE HER STORY AND HELP
OTHERS FIND CREATIVITY
FOLLOW A PURPOSEFUL CAREER PATH
PUTTING ASIDE A DISCUS IS
KATHY, A FATHER OF DON'T KEEP
YOUR
DAY JOB, KATHY GREAT TO HAVE
YOU WITH US TODAY SO CAN YOU
SHARE YOUR EXPERIENCE OF
INCORPORATING YOUR PASSION INTO
YOUR CAREER. THANK YOU SO MUCH
FOR HAVING ME.
>> FIRST OF ALL I'M SO EXCITED
TO BE HERE THE BOOK JUST COME
OUT TODAY. UM I JUST FEEL LIKE
SO MANY PEOPLE LIKE MYSELF WE
ALL WANT TO
FEEL SCENE YOU KNOW WANT TO
FEEL LIKE WE'RE DOING SOMETHING
EVERY DAY THAT MAKES US FEEL
LIKE. THIS IS WHO WE ARE LIVING
LIFE ON OUR TERMS AND I THINK
THE NUMBER ONE REGRET AND THE
DYING WE FOUND OUT IS THAT
PEOPLE DON'T FEEL LIKE THEY GOT
TO DO THEIR THING THEY DID THE
JOB THEIR PARENTS WANTED THEM
TO DO OR SOMEONE ELSE AND I
CAME OUT LA TO GET A RECORD
DEAL AND I WANT TO ACTUALLY
GETTING DROPPED TO GET A RECORD
DEAL AND I GOT DROPPED AND I
HAD TO FIND ANOTHER WAY TO DO
MUSIC FULL TIME
AND I WOUND UP DOING THAT I
REALIZED THAT IT'S NOT ALL OR
NOTHING IT'S NOT BE ON SAY OR
BUST AND I WOUND UP MAKING 7
FIGURES AS A SONGWRITER WRITING
MUSIC FOR FILM AND TV AND THEN
I WOUND UP HELPING OTHER PEOPLE
TO
FIGURE OUT HOW COULD I DO THIS
THING THAT I LOVE LIKE DO I
HAVE TO EITHER BE LIKE ILAN
MOSQUE OR NOT THING IS IT IS IT
EITHER I BUILD SOMEONE ELSE'S
DREAM EVERY DAY AND FEEL
MISERABLE ALL OR YOU KNOW I
HAVE TO BE THE ABSOLUTE
GREATEST, YOU KNOW SUPERSTAR IN
THE ANSWERS NOW THERE'S SO MANY
OTHER WAYS TO DO WHAT YOU LOVE
AND AND I WAS ABLE TO THAT FOR
MYSELF AND NOT BEEN HELPING SO
MANY THOUSANDS AND HUNDREDS OF
THOUSANDS OF PEOPLE INTO THAT
AS WELL.
>> WELL TO THAT POINT IN YOUR
BOOK YOU DESCRIBE A FEW
DIFFERENT TYPES OF CREATIVE
WORK. SO
TO SPEAK AND HELP EACH ALLOWS
YOU TO SUCCESSFULLY PURSUE YOUR
PASSION AND OTHERS TOO.
>> YEAH, I MEAN I THINK PART OF
IT IS THAT WE
IS HERE IN BEINGS WILL REACH
FOR THE HIGHEST BRANCH THAT WE
SEE POSSIBLE AND SO I THINK
SOMETIMES WE JUST DON'T SEE
MODELS FOR IT AND
SO ACTUALLY THE
QUIZ AND WE TALK ABOUT THIS IN
THE BOOK BUT ESSENTIALLY
THERE'S 4 DIFFERENT ARCHETYPES
I'VE INTERVIEWED OVER 200
SUCCESSFUL PEOPLE FROM BOBBY
BROWN JENNA FISCHER HOWARD
SCHULTZ AND I'VE SEEN
THAT LET'S SAY YOU LOVE GREG
AND YOU'RE LIKE WELL, HOW WOULD
I MAKE A LIVING AROUND THAT YOU
KNOW LIKE HOW DO YOU KNOW WHAT
YOU CAN DO
ALL DAY LONG TO DO THIS THING
YOU LOVE WHETHER IT'S DANCE OR
PHOTOGRAPHY OR YOU WANT TO JUST
YOUR GUN IRAN AND THAT THE FOR
PEOPLE IN YOUR LIFE WHAT WOULD
BE THE ARCHETYPES
SO LET'S TAKE BREAD FOR EXAMPLE
YOU COULD BE THE MAKE OR YOU
CAN MAKE RED YOU COULD BE A
TEACHER YOU CAN TEACH OTHER
PEOPLE HOW TO MAKE BREAD YOU
COULD BE A CURATOR,
MAYBE YOU CREATE A STORE WITH
ALL DIFFERENT TYPES OF
DIFFERENT ART OF ARTISANAL
BREADS AND THAN
THE LAST THEY WOULD BE MAYBE
YOU'RE JUST THE INVESTIGATOR,
MAYBE YOU MAKE A CAREER HAVING
A BLOG ABOUT RED OR YOU HAVE A
A I PASSED ABOUT
AND INTERVIEW DIFFERENT BREAD
MAKERS AND
DEFEND COLANERI FIRST YOU SEE
IT, I MEAN THERE'S SO MANY
DIFFERENT WAYS YOU WHAT WE LOVE
FULL TIME.
>> I DO LOVE CREDIT LOVE THESE
IDEAS CONSUMER
VALUES OVERALL CHANGING THE WAY
WE CHOOSE OUR CAREERS AND THEN
ULTIMATELY DECIDES TO DO
BUSINESS.
>> IT'S REALLY FASCINATING TO
ME WE LIVE IN
A TIME WHERE LONELINESS IS
GREATER THAN IT'S EVER
BEEN PEOPLE HE ALSO ISOLATED
AND DON'T FEEL SEEN AND SO
WILL WE FOUND OVER THE LAST FEW
YEARS IS THAT WHAT PEOPLE WANT
MORE THAN A PRODUCT. IT IS AN
EXPERIENCE THEY
WANT TO THE A PART OF THE
FESTIVAL THEY WANT TO GO TO A
YOGA RETREAT THEY WANT TO COME
TO A WORKSHOP
AND SO IT IS SUCH AN IMPORTANT
THING TO GROW AN AUDIENCE TO
CONNECT TO LEAN INTO BOEHNER
ABILITY TO TALK
TO PEOPLE IN A REAL WAY AND TO
JUST MAKE PEOPLE FEEL LIKE
THERE'S A SPACE WHERE THEY CAN
COME HOME
AND THAT WILL GROW YOUR
BUSINESS NOW MORE THAN ANYTHING
AND I THINK EVERYBODY HAS THE
ABILITY TO SHOW UP FOR OTHER
PEOPLE IN THAT WAY
SO I THINK WE NEED TO ALL BE
THINKING ABOUT OR WHAT OUR
BUSINESS IS WHAT YOU'RE SELLING
NECKLACES OR YOUR NEWS ISH AND
OR YOU'RE READING
A BOOK HOW CAN YOU GENERATE
SOME KIND OF AN EXPERIENCE OF
ART OF YOUR BUSINESS IT IS SO
IMPORTANT. SO HOW DO YOU
BALANCE A PRODUCT.
>> THE EXPERIENCE TO CREATE
THAT AUTHENTIC RELATIONSHIP
WITH YOUR AUDIENCE.
IT'S IT'S SOMETHING THAT
EVERYBODY NEEDS TO DO ANYWAY.
I MEAN IT'S THE KIND OF THING
WHERE WE DON'T
BUY IT THIS PAID BY YOU AND I
ARE
HUMAN BEINGS AND SO WHAT WE
NEED TO RECOGNIZE IS THAT DAY
YOU KNOW BUILDING THIS SORT OF
I CALL IT LIKE AN M TO
EMPIRE IF LIKE ME YOU CAN KEEP
TALKING AND TALKING ABOUT A
PRODUCT BUT THAT ACTUALLY
DOESN'T WORK WE LIVE IN A TIME
WHERE YOU'RE NOT GOING TO
CONVINCE SOMEONE TO GO AND PUT
DOWN THEIR CREDIT CARD. BUT IF
YOU CAN CONNECT TO THESE PEOPLE
YOU CAN ENGAGE WITH HUMAN
BEINGS AND LISTEN TO THEIR PAIN
POINTS AND THINK ABOUT ALL THE
VALUES AND THE THINGS THAT YOUR
SERVICE OR PRODUCT OR IDEA
STANDS FOR IT'S SO EASY TO
CREATE A CONVERSATION AROUND
THAT AND I THINK THAT'S WHAT
EVERYBODY NEEDS TO BE THINKING
ABOUT MORE MORE.
>> FINALLY SOME WAYS TO MAKE A
FULL EMPLOYMENT ECONOMY WORK
FOR YOU.
>> WELL I THINK WHAT'S REALLY
IMPORTANT IS THAT PEOPLE
REALIZE THAT THERE ARE CHOICES
AND IN
ORDER TO HAVE A JOB, YOU KNOW
WHAT AT WHETHER YOU'RE GOING
TO WORK FOR SOMEONE ELSE WE'RE
GOING TO BUILD YOUR OWN JOB,
WHAT'S REALLY INTERESTING IS
THAT WHAT WE KNOW FROM THE
RESEARCH IS THAT 50% OF THE
JOBS TODAY WILL BE GONE IN THE
NEXT 5 TO
10 YEARS. AND SO REALLY IS THE
BEST TIME WHERE THAN EVER TO
THINK ABOUT HOW EVERY SINGLE
PERSON IS NOW.
A CLICK AWAY YOU KNOW ON THE
OTHER SIDE OF YOUR PHONE AND IF
YOU CAN START TO HAVE
CONVERSATIONS OF PEOPLE AND
BUILD AN AUDIENCE YOU CAN BUILD
YOUR OWN DREAM.
BUT ALSO IF YOU WANT TO WORK
FOR SOMEBODY ELSE LIKE THERE
ARE SO MANY WAYS TO DO THIS.
I THINK WE HAVE TO COME
BACK HOME TO OUR SELF A LITTLE
MORE WE HAVE TO FIGURE OUT MORE
OF WHAT LIGHTS A STOP AND
REALIZE THERE IS A SEAT AT THE
TABLE FOR US TO DO MORE OF WHAT
THE LOVE IN THIS WORLD.
>> GREAT ADVICE ALL AROUND
CATHY HELLER IS THE AUTHOR OF
DOUGH AND KEEP YOUR DAY JOB OUT
TODAY, KATHY, THANKS SO MUCH
FOR BEING HERE WITH US TODAY, A
NEW CASE.
>> WELL COMING UP HOW NEW
YORKERS FEEL ABOUT MONEY WHEN
IT FAMILY AND FINANCIAL
STABILITY ALL THAT AND MORE ON
THE OTHER SIDE.
>> WELCOME BACK YOUR CHEDDAR
BY ALLIED THE BANK THAT WORKED
RELENTLESSLY TO MAKE YOUR MONEY
WORK FOR YOU DOES HAVING A
FAMILY CHANGE THE WAY YOU THINK
ABOUT HER AND WHILE JENNER HIT
THE STREETS WITH ALLIED ASK NEW
YORKERS, HOW THEY FEEL ABOUT
MONEY AFTER HAVING KIDS.
>> IT'S DEFINITELY COUSIN TO BE
DEDICATED.
♪
>> YOU HAVE A LOT MORE TO THINK
ABOUT LESS MONEY THIS
DEFINITELY AT DYCK
A CHARGES.
♪
ALL SORTS OF EXTRA ADDITIONAL
THINGS EVEN THINK ABOUT THE
FALL REALLY START A FAMILY
PERRY.
♪
>> CREDIT FOCUS FOR HOW WE HAVE
BUDGET WE REALIZE THAT.
ONCE WE WE HAVE TO PUT THEM
THROUGH COLLEGE AND THEN WE HAD
TO PLAN FOR OUR RETIREMENT ONCE
WE DID THAT.
♪
>> I MEAN I DON'T THINK THEY
SHOULD DO IT
♪
>> FOR FREE. CARE BUT I
DEFINITELY I THINK THAT THEY
SHOULD GET.
>> AND THEY NEED TO HUNT FOR
FOOD BUT MAYBE TO TEACH THEM.
SOME ECONOMIC AND SO IT'S GOOD
TO GIVE THEM SOME MONEY SO THE
>> I DON'T HAVE AN ALLOWANCE I
WISH I HAD ONE.
SO I HAVE TO DO STUFF FOR FREE
SNOW ON ME THAN A LITTLE BIASED
THE VALUE OF MONEY IS VERY
IMPORTANT SITE WHEN
YOU WORK I GET SAID THAT SOON
AS SOMETHING THAT'S REALLY GOOD
TO KEEP SNIPE I THINK THAT
CHILDREN SIT HAVE AN
ALLOWANCE FROM.
>> FROM THE NATION 86 EVEN
THAT'S WITH THEM WITHOUT
CHILDREN NATION WILL NOW THEY
GET ALLOWANCES BUT THEY SHOULD
DEFINITELY HELP OUT ON THE FLIP
SIDE. THEY ALL SAY NEED TO BE
OUT ON THE
STAND THAT YOU KNOW WHEN YOU'RE
IN A FAMILY, YOU HELP OUT
AROUND THE HOUSE JUST BECAUSE
YOU HELP OUT AROUND THE HOUSE
TOURS ARE LIFE SKILLS.
>> I WISH THEY TOP THE MORE
ABOUT INVESTING SO AS NOT TO
SAVING THAT MORE INVESTING
SORTING GROUND.
>> PROBABLY ABOUT MORE ABOUT
THE LINE SYSTEMS AND HOW HOW
LINES WHERE DID YOU NOTICE A
VOTE TO INVEST MONEY TOTTENHAM
HAD ALIKE SAVE MY MONEY AND NOT
SPEND
♪
A LOT.
SO A LOT OF
WAITING FOR A LITTLE BIT MORE
TO LEARN ABOUT THE BUSINESS
SIDE OF THINGS ONE OF THE GREAT
YOU NEED TO SAVE FOR
♪
THE FUTURE. BUT YOU ALSO HAVE.
HAVE EXPERIENCES IN
THE PRESENT.
>> MONEY TALK DOES NOT HAVE TO
BE SCARY WHICH IS MY ALLY IS
HERE TO HELP THE TIPS AND TOOLS
FOR
EVERY MILESTONE THE ALLIED DOT
COM FORWARD SLASH EDUCATION TO
LEARN MORE TODAY.
>> WELL THAT'S GOING TO DO IT
FOR TODAY'S YOUR CHEDDAR
BROUGHT TO YOU BY I WILL BE
BACK NEXT WEDNESDAY AT 09:00AM
STAY WITH US BECAUSE OPENING
BELL IS UP NEXT.