hi, everyone, welcome to "on the money" i'm becky quick a deadly combination how bitcoin is fuelling the opioid crisis and what can be done about it. finding the perfect password the answer may be easier than you think. cutting your credit card costs wlxt it is fees or interest rates or rate charges, a road map to save you money. summer almost here the best suntan lotion for your face, your body and your skin type and the woman who would rather fight than switch. a women making it in the world of ufc "on the money" starts right now.

>> we begin with the national health crisis that touched millions of american families. opioids. pain killer both prescription and illegal street drugs are highly addictive and often deadly and if the drugs are getting more potent, dealers are new ways to fund and fuel the epidemic ylan mui has opioids and overdose >> this is ground zero and fentanyl is the leading cause of drug deaths. >> lucas overdosed on heroin lasd with fentanyl fives he checked in nine days before we spoke to him and it is the longest he's been sober in years. >> >> how many times would you shoot up in one day? >> it could be 30, 50, it doesn't matter >> 30 or 50 times? >> yeah, definitely.

>> he got his fix from a local drug house and ended the line on a supply chain killing an average of 45 people per week in ohio. >> and you ask the dealers, where is the dose that is killing people you seek that. >> you want the dose that is killing people. >> basically $6 billion over the next two years but ohio senator rob portman is worried it is not enough his office is looking into the link between fentanyl and digital occurrence and he said congress needs to wake up. >> we were able to access six different websites and get information on 300 individuals and in every case they said use bitcoin. >> to pay for the drugs. >> to pay for the drugs. >> should more be done to oversee these type of occurrences. >> the regulators are looking at it obviously but all can i tell you, because it is anonymous, this is the currency of choice for the drug traffickers. >> a bipartisan bill from chuck grassley and dianne feinstein

would force digital occurrence to comply with money laundering regulations an the justice department created a new task force on the use of cryptocurrency on the dark web to buy fentanyl but so far the death rate continues to rise for "on the money" i'm ylan mui. and according to the cdc -- and illegal street drugs like heroin caleb alexander is from the john's hopkins center for drug safety thank you for joining us today. >> thank you for having me. >> a huge issue. president trump declared the opioid epidemic a public health emergency last year. has anything happened since then and is the federal government doing enough >> there is a flurry of legislation working through congress and the legislative

efforts addressed everything from safer packaging to better use of information, to try to address the diversion of prescription opioids >> there is a lot of different potential solutions and ways of trying to attack this but from somebody watching it, what do you think the top two or three things are that need to be done if you want to fight this head on >> well it is important to recognize this is an epidemic that is getting worse over ten to 20 years. so it is important that we have realistic expectations about the amount of work it will take and the coordination to turn this steam ship around. the two or three most important things are to reduce the overuse of prescription opioids because at the root of it, this was one of the primary drivers of the epidemic in the first place. and we need to better identify and treat people with opioid addiction. this is a treatable condition just like diabetes or high cholesterol and yet the vast majority of people with opioid use disorder or opioid addiction

are not enrolled in seeking care >> i have heard doctors are cutting down on the number of prescriptions. >> it is true. there's been modest decline in prescription opioid sales over the last 5 to 7 years but we're way beyond the volume of opioids described in every other country around the world. >> you said one is cutting down the overuse and the second thing is treatment there's a lot of levels that you can look at that first responders need that drug to reverse overdoses are they able to get it at the local level? >> it's a very important measure so this is a reversal agent that can reverse the effects of an opioid overdose. it's expensive in many public health departments and first responders say they can't afford what they need to treat all the

overdose victims they encounter. >> what else needs to be done on the treatment fund federal funding to make sure that people can get into rehab houses are you talking other preventive measures where should we be targeting that >> the statistics are stunning more than 2.1 million americans have an opioid addiction and the vast majority are not getting comprehensive care for this disease. people don't choose to have opioid addiction any more than they choose to have diabetes or high cholesterol so we need to invest large amounts of money, tens of billions or hundreds of billions of dollars to sure up the treatment system to make sure that patients that have opioid addiction can access medications that we know work to help reduce the cravings for further opioids and help patients return to normal

healthy lives in recovery. >> thank you for your time. >> thank you so much. >> now here's a look at what's making news as we head into a new week on the money. get ready to pay more for a mortgage the federal reserve raised rates this week. the fed also signalled that it will raise rates two more times this year and said it may step up it's pace of increases because of solid economic growth and rising inflation the markets didn't like that although the nasdaq did set a new record mixed returns for the week stocks were lower on friday. retail sales in may were stronger than expected climbing 0.8% cars, building materials and clothing were all strong and the marketing people at ihop succeeded in getting us talking about them again they tweeted they would be changing ihop to ihob without saying what the b stood for.

it's not breakfast not bitcoin but sit is burgers. we're done with this story moving on. up next, the secret to a better password and why donuts are part of the answer. later, you want to save money finance credit card fees when to make the call and what to ask for right now, let's take a look at how the stock market ended the week

do you ever forget your password or maybe you reuse it over and over. believe it or not there is a different way.

an dree yea day spoke to a professional hack profession nal hacker who spends his days trying to legally break into companies. what she found is surprising >> we need passwords were the idea 20 years ago and here we are today. >> meet charles henderson, ibm security. >> we get to be the criminals. >> they hunt for open doors in the company network and sometimes slipping past building security to hack from inside the secret to getting in, carry a box of donuts. >> the donuts were so distracting because let's face it everyone loves donuts and he was able to use a conference room to attack the company from the inside >> to crack passwords, the teen built a special machine called cracken. >> the criminals use something similar as well. >> despite recent attacks, most people still resource to basic passwords like these used by employees at a major media company. and these from people at a manufacturing business check out how many times they use a season and other patterns. >> parents, what kind of passwords do they use. >> children's names.

>> pet owners. >> the names of their pets. >> we got to test out cracken at the cyber war room outside of boston and he said the top used password is password one and so we tested that first and the crack time 148 seconds next we try a longer one adding capital letters an the special characters everyone tells you to use believe it or not, our longer password with caps and dollar signs was easier to crack but neither one was very tough >> you go beyond 14 characters it is more and more difficult to crack a password. >> while anything is crackable, long passwords like complete sentences take so much longer, criminals might not even bother. >> knowing that you're never going to get to 100% security, especially with passwords, get to the most security you can get to. >> and after you come up with a long password, he said add on multi-factor authentication like having a text sent to your phone to confirm it is you or adding facial recognition. >> so what is your top piece of

advice when choosing a password. >> treat it like underwear and don't reuse it. >> and the bottom line is it is all about length come up with a long sentence that you won't forget. for "on the money," i'm andrea day. thinking up my new password now, the quick brown fox jumped over the lazy dog. and now credit card rates are moving up. the average rate is near a record 17% and fees could be an added burden for consumers who prefer to pay with plastic, but there may be a way to lower both rates and fees listen up. important information. senior personal finance correspondent sharon epperson joins us with more on how to do -- first of all 17% are you kidding me >> and rates continue to rise as the fed raises interest rates, your credit card rates will go up too so it is important to take a

look at what you can negotiate and how to lower that rate and potentially lower the fees associated with the card as well. >> and it seems like a crazy idea you call up and say can i get a lower rate and does it work. >> a lot of people don't do. it you could potentially lower your interest rate or lower fees or fees waived and you could also maybe even get a higher credit limit and that is great because your -- your utilization ratio that they look at to figure out your credit score, you want to have the highest limit and use as little as possible to make sure your credit score goes up. >> and have you done this? >> i have done this and for the higher credit limit. that is the one that works the best when credit cards.com did a survey and they looked at what people could ask for and how successful when they ask and more than half of people were able to lower the credit rate if they were just asking for it and then another 70% were able to get their annual fee waived if they looked at that. 80 to 85% of people were able to then get a late fee waived or get a higher credit limit. >> where people were most successful. >> so it pays to be a squeaky wheel. >> it does pay

you have to know who to ask. ask for the manager and get to the top and state your case. your case has to be a solid case i'm a great and loyal customer i pay my bills on time and i want to continue to stay with your company, but i found a lower rate somewhere else or i found another card that doesn't have that fee. compare the cards and be able to then say what you want to get and then potentially get that. >> if i want to say, hey, i found a better rate or a better deal, where might i be looking for that. >> i've done this myself and gone to credit karma and credit cards.com and compare cards.com and nerd wallet. there are sites to go to compare and see what they come back with in terms of the various rates and make sure that you know what you want to look for do you want to look for the lower rate or look for no fees or annual fees and then see what card will work best for you. >> i've been eyeing the amazon prime card where you could get 5% cash back on everything and i

will say, i do have a credit card that gives me 1.75% cash back on everything. >> getting a reward card, and folks want that. make sure that the cash back that you are getting or the points really make up for if they do have an annual fee -- >> no annual fee. >> that is the best way to go. no annual fee is what you want >> sharon, thank you. >> information you could use people take it to the bank. >> absolutely. thank you. up next we're "on the money. summertime is almost here sand if you are planning on spending time outdoors, what is the best sunscreen for your skin type and later, the pint size power house packs a punch with the ufc. the risks she took to get there and the payoff she's getting now. luckily for all your hard-to-wash fabrics... ...there's febreze fabric refresher. febreze doesn't just mask, it eliminates odors you've... ...gone noseblind to. and try febreze unstopables for fabric.

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whether you're heading to the pool on the peach you want to make sure that you can protect yourself from the sun. how do you figure out what the best one is for you. april is the beauty director for good housekeeping and done the research on this and figured it out for you. april, thanks for being here. >> thanks for having me. >> let's talk about the results. first of all, maybe sunscreen for your face because that is what so many people are concerned about. protect your nose or anything else sticking out. what did you find is best for somebody had -- when it comes to dry skin. >> so sunscreen for the face,

think about your skin type if you have dry skin, this is from clarin and this is more of a moisturizer than a sunscreen which is super nice. and they found it didn't dry out skin and run into their eyes or sting or anything like that which is important for a face formula. >> what if you have oily or combination skin. >> so oily and combination is tricky because people think that sunscreen will cause them to be shinier and have breakouts so this is from hawaiian tropic and super effective and also didn't cause any greasiness or heaviness on people's skin and no white residue which is also a concern and it is a great bargain. this is only around $9 >> you said you were bringing in sunscreen and i have to admit, i almost broke out in hives because i'm highly allergic to the active ingredients in the sunscreens and for people with sensitive skin there are a few out there. and for me, i have to have one that really just uses the active ingredients that are titanium and zinc oxide.

>> and look for formula based on mineral so titanium and zinc oxide and look for that on the bottle and this from md solar sciences and they have a spf 50 and has the ingredients, it went on smooth and didn't irritate the most reactive skin of our testers. >> and i may have to give this a try. and what about your full body, and that the important for the days when we are out and sunny days like now. so this formula from kiels and it disappears like water on your skin and absorbs quickly and rated highly and a super effective protection during the out door activities and it didn't cause a sweaty feel which lotions and creams can give you outdoors in the summer so it is a cooling effect. >> not bad i see so many people who have these sprays and i tend to stay away and what are people looking for with the spray.

>> the spray people love because they are convenient and easy to apply and this formula from banana boat and the sun comfort mist, our testers found was the most effortless to go on and reach all different areas with their body and found that it didn't form a sticky residue which is -- the sprays tend to have as well but it did protect against sun burn as well. >> great april thank you for doing the research for us before we go out in the sun. >> thanks for having me. up next, "on the money," breaking down stereotypes, what it takes to make it in the ufc from someone who knows >> there shouldn't be this stigma behind you have to be manly to be a fighter, you just want to want to fight. these birds once affected by oil

are heading back home. thanks to dawn, rescue workers only trust dawn, because it's tough on grease yet gentle. i am home, i am home, i am home

changing careers could be a risky move but sometimes it is also dangerous. paige van zant found that out when she left her steady job at a bank for one in the ufc octagon. morgan brennan has more. >> reporter: this is page 12-gauge van zandt a professional fighter in the ufc. and her nickname pretty much says it all. >> i like punching you in the face our body is our tool and weapon. >> at 5'4", 125 pounds she is the size of a ballerina but she'll take you down and make money doing it

she got an offer to tush pro and she took it. >> i was working as a bank teller and i asked for sometime to have and they said i couldn't so i took time off any way and took the fight and then i was fired >> it was a career move that paid off page is now rising star and fan favorite in the brutal ultimate fighting championship. >> people are surprised when they found out i'm a fighter i don't look like a fighter. i think girls can do anything they want to so there shouldn't be a stigma behind having to be manly to fight you just want to fight. >> and she does get paid for all of the blood sweat and more blood. >> and they take care of their athletes and an amazing corporation to work for. >> and the haul is more than $383,000 over 11 fights. that includes some huge rewards for page's ruthless fighting style.

a $50,000 bonus for fight of the night. and another $50,000 g nor knockout of the night during her ufc debut. >> and the girl was technically better than me but i wanted it more than she did and i fought more than she did and it is the biggest thing that changed my life and after i won that fight i went from not being able to afford gas to getting a $50,000 bonus. >> but it was page's fourth ufc fight, one that she lost, that really sent her career and bank account to new heights >> i got cut open and i was bleeding profusely everywhere. so i fought through five rounds of total war and that is where i got noticed and got more fans off that fight than my opponent did and she won. because of that, i got dancing on the stars. >> and earning whopping $345,000 along the way. >> the best thing about fighting is you never know how long you

have and is setting yourself up for success outside of the cage. >> and brave and beautiful and business savvy, paige van zant is one opponent you don't want to underestimate for "on the money. i'm morgan brennan. >> and you don't underestimate here and face her either if she wins, she wins. and her business sense helped her land endorsement deals with reebok, monster energy drinks and metro pcs and even harley-davidson. that is our show for today i'm becky quick. thanks for joining us. next week it is not your typical summer camp, the woman teaching warren buffett method to a camp in the inner city. keep it right here "on the money" and have a great week and we'll see you next weekend

hey there. live at the nasdaq on this expiration friday. the guys are getting ready behind me. while they're doing that, this is coming up on the show. >> snap out of it! >> shares of snap did just that. rallying over 20% in the last month. if you missed the move, we have a way to get long from less than $1 plus, micron shares have surged 20% this year but carter worth says there's something in the chart that suggests now might be the time to take profits.