. hi, everyone, welcome to "on the money" i'm in for becky quick. why americans are failing vacation 101 and the cost to business. high-tech to real estate a sign of the times. how some students are mining for big digital dollars but it is on the college's dime. heading back to school with big loans, how you can pay back less and save more. the one museum you won't have to drag your kids too

"on the money" starts right now. >> this is is your life and future. we begin with vacation time. we passed, the midpoint of summer if you didn't take time off, move fast. america has few we are days off than other countries and many don't use the days you have. that's a problem for businesses and employees. all work, no play is this week's cover tory. >> reporter: americans used to be better at taking time to take off. 20 days of vacation was the average. the number drops to a low point of 16 days off in 2014 and the trend has been reversing rising to an average of 17.2 vacation days per year. more than half of american workers, 52%, did not use all of their vacation time. what is stopping them from getting away

61% of the employees is it is the fear of looking replaceable. and workload is heavy and 63% say it is the cost of travel 24% have gone a year without a vacation and 12% say it has been three years. not using it, you can lose it. >> create the by the u.s. travel association to research vacation trends it is great to see you today. >> thank you for having me. >> i'm shocked to learn that there's a cost to companies for employees not to take all time off. >> there's not a winner when employees don't take vacation. they are carrying the vacation on their books they are going to have to pay it out. on the employee side, they are

forfeiting time, they are volunteering the time. they are losing in benefits. 62 billion alone >> what is the impact on employees? >> we found with employees who take more vacation and the one that is travel and get a true break, they are more creative, and productive and health and wellness and job and company this is a massive retention angle as well. >> is that true if you take your smart phone and laptop with you and doing work on vacation. >> if you are going to check in, i don't always unplug, but you have to set boundaries put a boundary around your time and respect it it is within your boundaries of anticipation and if it falls outside of that you get upset. >> set an alert, i'm away to such and such a date do you find there's a difference

between millenials and baby boomers or genexers. >> they are entitled and spoiled and take everything they are given. our research finds the opposite. most of that generation graduated into a different economy. i feel like when they got jobs, they want to hold onto them. they show up differently face time isn't the currency not the fist person to be in the parking lot. they are a different way of doing that and they are concerned about looking replaceable. >> i used to live in california and whether it is northern or southern, there's an intention to ring the juice of life out in every life are there regional differences in people's willingness to take

vacation time. >> colorado are using 20 days on average. they have such great things around them. colorado suffers from high pressure of cost but using the most vacation days and traveling because they have great natural resources so close by. >> what do you find about the length of vacation does a long weekend count as a time away. >> i'm a firm believer of quantity over quality. the ones we get to decompress and relax and experience so quality over quantity. >> what about a stay-cation. >> it can be fine, make sure you are doing something you enjoy. if you are cleaning out the garage -- >> it is gratifying when it is finished. >> yes, it is. here is a look at what is

making news. inflation edged up last month. the consumer price index that measure as bas sket of goods and services increased by .2% in july and do to a recognize in cost in shelters the cpi increased. it is watched by the federal reserves and the decision to raise interest rates the nasdaq, the eighth straight day finishing higher and the longest win stream of the year the dow and s&p were mixed and stocks lower on friday and indra nooyi, stepping down just one of 25 women to run a s&p 500. she will be -- next, "on the moy

what some students are doing in their dorm rooms to find virtual currency and real profits. and the cost of college going up as is the cost to borrow tips on how to find affordable financing. a look at how the stock market ended the week.

when you send your kid off to cheollege, you expect them to gain new skills but you may not expect them to become miners

andrea day says that is what they are doing virtual currency in their dorm rooms. >> reporter: day one at penn state in college and he had a mine running in his dorm room. they can use the computers to solve complex math problems and find hidden currency use lots of electricity and can get really hot. >> it felt like passive income >> there was one problem. >> it was producing a ton of electricity and heat. >> how hot was it? >> unbearable. >> so he rigged this together. >> i'm paying tuition, i shouldn't i have the ability to

mine in my dorm room. >> he didn't know what penn state's policy was. >> we have policies in place to oversee use of our campus' network and it resources and all members have individual and shared responsibilities to protect the university information asset. >> i didn't ask questions. >> in massachusetts, they are making the rules very clear. >> it says you cannot use institutional resources for personal gain or crypto currency. >> the chief information officer and saying new technology is making it easier to weed out miners. >> the electricity consumption, on average the cost to mine one bitcoin is about $4,000 in electricity. some of the crypto currency and

can install mall ware. >> they just completed a study of schools in the u.s. >> we had 11 universities participate in the opt-in study and they had detechs. >> he say that is mining at school made him who he is today. working a the a major tech company. >> i'm andrea day for "on the money. >> whether it is profits from bitcoin or scholarships or loans, they have to figure out how to pay for the college constitution steven dash from credible.com an online marketplace for students to compare and shop for student loans. federal interest rates on student loans have increased for a second year in a row. >> federal loans which are loans

people take out first when trying to find college increased. and the federal loan rate is based on 10-year treasury yield. >> and how much might that add to what a student pays back? >> if you are a typical undergrad, you may borrow $7,500 which is roughly around the median, these increases will increase the total repayment by about $10,000. >> is there a way for students to lock in the rate. >> you take out a student loan every semester or year, the rates change each year based on the treasury. >> and congress hasn't raised the borrowing limit in a decade. >> the cost of college is increasing and about 33% over the last decade but the federal loan limits are the amounts you can take out has not increased

so people turn to private student loans to fund college. >> when they are shopping, what should they be aware of. make sure you compare different options from different lenders make sure you add a co-signer. if you can convince someone to co-sign the loan, very important. >> on average, people save about 2.3% by adding a co-signer and five times more likely to get approved if you have a cosigner. >> is it like get ago mortgage, you have to look at the length and the term and how long it is going to take to pay back and the overall costs. >> look at the roi in the first instance, can you afford to go to college did you expect to get income to return the investment.

>> what if you already graduated. >> there's an student loan refinancing product. if you graduated and have an extended credit history try to lock in a lower rate to reduce the total cost off of the student loans. >> thank you so much >> up next, we're on the money it gets your attention and information. how a high-tech innovation is changing real estate ice cream, you scream, it is the museum of ice cream. we'll give you the scoop any object. any surface.

if you've got a life you gotta swiffer

for homeowners, a for sale sign can tell -- it is a sign of the future. >> it is the most visible, most effective and most mundane marketing tool in real estate. the for sale sign. it hasn't changed until now. >> the sign is connected and intelligent and -- >> it is a new sign and lights up compass brokerage. a new kid on the real estate block is disrupting the old sign with a high-tech smart model soon to be available to all of the 5,000 agents

beacon technology, blue tooth and motion sensors. >> the sign will light up within a 20 foot radius if you have an app, it will connect you with the compassing agent. and directing the buyer to the house with the waze navigation app. >> we see it as a ecosystem of devices and managing the sales of homes in the future everything from open house management to digital lock boxes. >> the sign is disrupting the industry but will it disrupt the neighbor ifs it lights up at 3:00 a.m. and given all of the expensive technology in the sign, it can be more likely to get stolen. >> we don't believe that the signs will be stolen you can customize the board. agents will have insurance on them the risk is perhaps, a small

price to pay for a big upgrade that is a sign of the times. >> you should start seeing the new compass signs this fall and you have to wonder if real estate companies won't up the antiwith their own smart signs some towns prohibit signs all together. >> how important are signs when i was looking at real estate, i was looking at listings online before heading out to the neighborhoods. >> you're right. there's less importance focus on the sign a lot of people move within their neighborhoods and maybe they are driving and they see the sign and maybe they are back in the market. there is so m used to the front lawn sign. you have to wonder it will be important in the future. >> up next, "on the money," a

look ahead and ice cream fanatics this museum gives a taste and a dip. ydarlin'.sary dinner, can this much love be cleaned by a little bit of dawn ultra? oh yeah one bottle has the grease cleaning power of three bottles of this other liquid. a drop of dawn and grease is gone.

here are the stories that

may have an impact primary elections held in minnesota, vermont and connecticut. retail sales for july and the industrial production report will be released it was supposed to be three days of nothing but fun and music and turned out to be more. wednesday is the 49th anniversary of woodstock thursday, how many new hopmes were started last month and friday is national thrift store day. ice cream just makes me smile. one young woman took her passion for it and turned it into an experience sweeping social media. the museum of ice cream. we went to get the scoop >> it's like a regular museum. very interactive. >> it is more lively here. >> can i get a scoop scoop

>> he hasn't stopped smiling hen can't look away from everything so much to do and see. >> it is so much fun it is so happy ♪ >> being able to like know how ice cream is made and broken down it was cool to learn. >> it is about taking photos of doing things instead of taking pictures of the museum. >> the ceo of the museum of ice cream. we got a glimpse of it give me a sense of the concept. >> so we built museum of ice cream out of a desire to bring humans together and experience something like -- which they can go and explore their own creativity and imagination and celebrate everyone's favorite

food which is obviously ice cream. >> how dow make money? >> the business lines go to an heart of an experience our museums and pint shops are ticket-based and we launched ice cream across the nation and how do we pack an experience in a pint and that's what we did. >> you are called one of the most instagramable museums in the world. >> any time you experience something transformative, it gives you an opportunity to share it with the world and because people have so many amazing experiences within the museum of ice cream, they want to share that with their friends and families and et cetera and the moments on camera are y unique. >> and the parties and special een vents for the spaces are

special too? >> yeah. everyone wants an opportunity to go outside of their head and space in the real world and that's what we do at the museum of ice cream. >> here in the study owe, we see some of the ice cream flavors that you have. they are very different and unique how did you go about finding new ways to present ice cream? >> we spent the last two years p perfecting the recipes and finding the best ingredients. >> the churro churro. >> so we are sold nationwide churro bites. >> this is like nothing i have not tasted before. >> have a bite >> chocolate crush now, i blended the cinnamon and chocolate together

it tastes like mexican coffee. >> the best thing is people mixing and matching the flavors together. >> so what are you are you a museum, social media phenomenon or a brand of ice cream. >> an experience-business. >> it is all sweet thank you for coming in. >> thank you. >> that is the show for today. this is "on the money," becky will be back next week and next week is back to school shopping. not just backpacks and crayons we are "on the money," have a great one. we'll see you next weekend

we are live at the nasdaq in times square the guys behind me are getting ready. here is what is coming up. stocks are getting crushed and one name looks particularly bad heading into next week's earnings the set up plus. >> shop until you drop. >> that's what the consumer seems to be doing. a number of retail stocks high dan nathan has the trade ♪ >> call it the