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industry i'd say get people to be, you know, more engaging with life insurance products and the program basically works by saying if you stay healthy, you're going to live a longer, healthier life. that's good for us as an insurance company and good for you but that creates value. we can share it back with you as a consumer by lowering premiums and giving discounts and rewards from major retail partners. >> i see you have silver stat with us with 3500 point, gold, 7,000. platinum, 10,000. what do you have to do to get those? >> you can engage in a number of ways, getting people to take a small step to be healthy. for example, first time we've been able to integrate life insurance with a fitbit. we give everyone a fitbit so one of the things that can get you points is activity. taking step, going to the gym, august of those types of things will earn you points. going to get an annual physical screening rat a doctor or we've actually partnered with

walgreens and quest diagnostics to get a free screening. that will give you points. getting a flu shot. going to the dentist, all kinds of different ways -- running a 5k will get you points. >> do you have to be a super lunatic to get to the platinum level and be at the gym three hours a day? >> yeah, platinum is obviously the hardest. you have to be the most engaged. i certainly don't think this program -- you need to be an ultra marathoner. the important thing to realize we can all make improvement, right? it's all relative to where you start and how engaged you get. the more engaged you get the more rewards you get and bigger discount in your insurance premiums. >> i like the idea of a carrot offering people discounts if they do these things but one thing that concerns me is the stick approach after that. at some point down the road if i'm not doing this do i get penalized. do you use it against me if i stop running. >> we never use it against you. so you do have to stay if -- once you're engaged in the program and reach gold status you need to achieve that every year. you can't do it one year and then be gold for life because

obviously we want you to be healthy continually so you could go -- if you stop doing it you could go back up to where you started but there's no such thing as a negative point in this program. if you -- your blood cholesterol is higher than range we don't penalize you just don't get credit for that. >> the other thing that concerns me is privacy. what are you going with this, who are you sharing with and how do you protect it. >> as a life insurance company we've been obviously getting sensitive information from our customers for a long period of time so the additional information that we're getting on an ongoing basis above and beyond what we routine get at the time of the purchase of a policy is a pretty small subset of things like those annual screenings that i mentioned and your fitness activity. we do not share or rent that information with anyone that isn't required to help us administer the program so the data is designed to provide a good customer service experience to the end customer and to make sure that we can continually

provide a program that is, you know, priced accurately and, you know, engaging for consumers. >> if somebody does this when they're 40, 45 years old how much would they say over the sdmrief great example, we have -- if you took a couple and this is a pretty small policy, they both are working 45 years old, they buy $500,000 of permanent life insurance. over the course because they're going to get this discount every single year by the time they're 85 they'll have saved over $25,000 just on the premium savings. >> all right. that's a number that starts to add up. michael. thank you very much for joins us. >> thank you for having me. up next we are on the money. may the best charity win. meet the venture cappalist that says the start-up nonprofits can benefit for some competition for funding. later, if you are looking for a better way to manage your money there's an app for that. the best ones around when we return. big day? ah, the usual. moved some new cars. hauled a bunch of steel. kept the supermarket shelves stocked.

made sure everyone got their latest gadgets. what's up for the next shift? ah, nothing much. just keeping the lights on. (laugh) nice. doing the big things that move an economy. see you tomorrow, mac. see you tomorrow, sam. just another day at norfolk southern.

venture capitalist todd degra is out to start foursquare. thousand a new idea. venture philanthropy. new nonprofit also pitch their missions and goals and a pam will decide if it's viable an worth their expertise. todd, thanks for joining us today. >> thanks for having me. >> so how did you come up with this idea? was it from watching "shark tank"? >> well, it's partially from watching "shark tank." i also participated in event such as this at a hospital where doctors and scientists were

competing for funding. and it was very positive and i thought it would work well in a greater setting. >> so how does this bork when it come to philanthropy. >> allows nonprofits to come together with individuals who have money who are seeking to put that money to work and who also have time and a lot of expertise to give to the, you know, the nonprofits. it's a form of a matching system. >> is it your thought that you really need to make sure that the charity arena just like every other arena gets disrupted and find better ways of making it work? >> yeah, i think so. i've had a lot of people come to me and say charity world needs disrupting. i mean disrupting in a positive way. i'm not saying this is the only way to do it or even necessarily the best way. it's another way to do it. it's based on a personal journey looking for ways to do good, i was involved in a number of large charities and i just felt that there were a lot of smaller charities that could use a helping hand.

>> just in terms of expertise and a little bit of a helping hand to get to the next level? >> yeah, these are emerging charities that haven't made it yet and what i do from my day job is help small emerging companies reach the next level and build loads of value in a fairly short period of time and i think that model can be applied to nonprofits. >> makes a lot of sense. although the chronicle came out in an opinion piece and ask fundamental organized philanthropy has jumped the shark. why do you think the backlash? >> i think the establishment here probably isn't crazy about new things. you know, this particular event that we're planning was compared to a roman circus. it was insinuated that it might be demeaning to the nonprofits, so somebody, you know, comes on -- you know, up into the dais and they pitch, you know, a way to help kids who have a disease and we're going to demean them? i mean, come on, really, i don't think so. >> what is the plan in terms of

the time line for when this happens and will it be televised? >> well, we're still working -- it'll be broadcast in some fashion. it may be web cast. we're working on a bunch of different angles for this. the goal is to create the greatest awareness and to raise the most money for these nonrofts. it's going to happen in november, early november. we're working -- we're lining up the venue now. we're lining up the donors who are going to participate. you know, on the board and then, you know, we'll go from there. >> yeah, i would think anything that is getting more attention for these charities is a good thing. it certainly happened with "shark tank" even the ones they don't fund get additional sales. >> hundreds of nonprofits have asked for more information on how to apply and pretty soon have a website where they can register and tell them what they need to do in order to apply for this event and then we'll have the event and see how that goes and then hopefully they'll be more events after that. >> todd, best of luck. we'll be watching. >> thank you. >> up next, on "the money" eye look at the news wore the week

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tripadvisor not only has millions of real travelers reviews and opinions but checks hundreds of websites so people can get the best hotel prices to plan, compare and book the perfect trip visit tripadvisor.com today for more you can go to our website, otm.cnbc.com and follow us @onthemoney. stories that may impact your money. several big consumer brands reporting earnings including mcdonald's, coca-cola, facebook, procter & gamble and amazon. monday, five years since the

worst oil spill in u.s. history in the gulf of mexico. tuesday they will auction their perfect diamond, 100 carats and a classic emerald cut estimated to sell for up to $25 million. wednesday, the 45th anniversary of earth day and existing home sales are due. thursday, monthly sales for new homes. april is financial literacy month and if you are wondering how to manage your finances better, well, there's an app for that. joining us is personal finance correspondent sharon ampereson to talk mr. the apps that can help you. a lot download apps but there's still a certain portion of the population that's wary of things like that if you're going to do things with your finances. what do you they will them. >> think about how many are on their phone for just about everything. experian shows half of consumers use an app to get some knowledge about their finances whether they're actually making transactions or not and those

that are using them do feel more comfortable and more financially secure. >> so gaining control of your finances is tough. it probably starts with a good budget. what kind of tips would you be giving people? are there special apps they should be looking too. >> the one everyone points to for budgeting is mint.com because it's so comprehensive and tells you when you're doing something wrong like going over budget. one of my favorite apps. well, don't spend this much because this is how much you've allotted to spend on this category so it's a very good app for that but some people say that's too much. all these different category, so much information there. it's kind of overwhelming with the pie charts. i just want to know how much -- if i'm saving this much how much can i spend this week or next week and that's where level money comes in, more simplistic but a lot of people say this is what i need to know. i just need to know how much i can spend today because i have this savings goal. >> what about any apps that help guide you on how to invest?

>> in terms of organizing finances and giving you investment perhaps suggestions or helping you with your portfolio allocationle personal capital has an app that allows to you do that and that's one that a lot of people really like. the other one that people like is acorn, much simpler but just actually rounds up your spare change. figure out how much you're spending on a credit card and round up, 10.50, round up to $11 and put 50 cents into your bank account into a savings -- into an investment that's going to be an investment in the etf so another type of investment account you might want to think about. >> kids. >> allowance is a big question. i don't know if yours get one. mine don't yet but stipe -- >> sometimes any do. >> keep it consistent. allowance manager is something to think about because it allows kids to think about virtual money. a lot are seeing us play with plastic so know about that. they put -- puts money on a card. you can do that as a parent and helps you manage what they're doing in terms of what they're spending on school lunches or on their own, you know, personalal

spending so it's a very good way to kind of check up on your kids and the other one that's good for younger kids perhaps, is savings spree so it helps you figure out whether you should save, spend, invest, donate and how to allocate that kind of money. it's gotten some really great awards from parents and teachers associations and by money savvy which is a great organization trying to help skids learn about money. >> sharon, thank you. >> sure. that can the show for today. i'm becky quick. thanks for joining me. next week the start-ups that says it can deliver your starbucks and anything else in under an hour. each week keep it right here. we are "on the money." have a great one and we'll see you next weekend. the pursuit of healthier. it begins from the second we're born. after all, healthier doesn't happen all by itself. it needs to be earned... every day... using wellness to keep away illness... and believing that a single life can be made better by millions of others. healthier takes somebody who can power modern health care...

by connecting every single part of it. for as the world keeps on searching for healthier... we're here to make healthier happen. optum. healthier is here.

>> in this episode of "secret lives of the super rich"... >> we're asking $85 million for this house. >> that's insane. [ engine revs ] but then how many homes have a gallery for cars and their own candy bar? >> we are here in a part of patek philippe who has been never seen before on tv. >> a trip to geneva, switzerland, for an exclusive look at a $2.6 million timepiece. and who do you call when your private helicopter begins to show a little wear and tear? this guy. >> all the hardware for this seat is 24-karat gold-plated. >> who else has a glass floor in their apartment and also has a car elevator and personal car garage with 360-degree views of the whole city? it's a lot of "wow!" >> "secret lives of the super