>> we've changed it starting today for the next three weeks. >> three weeks. so starting right now. >> starting right now. it's a little different. how many folks have we been able to -- you said healthy eaters, but are a lot of people getting into four square? this came after the twitter and facebook, is this the next big thing? >> yeah, i think they have over 3 million users, growing rapidly, especially this year. >> how did we find all of these farmers markets? >> the usda has a searchable directory on their website where you can go in and put in your zip code and find the nearest one too. >> people have to become members of four square. is it as simple as signing up for a facebook page, a little information and you're good to go? >> yep. >> all right. he's going to get me squared away. that's going to be it for us here. just for this half hour. more cnn saturday morning, of course, coming up at the top of the hour. back with more live news and updates. but right now i'm going to hand it over to your bottom line with poppy harlow.

a massive recall involving your children's toys and highchairs. we'll tell you about the millions of products in question and what you should do about it. don't get ripped off at the doctors office. how to decode your medical bills and save a ton of money. and as travel fees go up, we'll show you how to take that fall get away and keep your costs down. the show that saves you money starts right now. 11 million children's products and toys are recalled. it's a frightening thought for any parent as they scour through their homes to see if they've got anything on this list. let's get right to the important information. don mays is the director of product safety. a stunning number of tricycles for toddlers, 2-year-old and 3-year-old children who have been reported to have been hurt by riding a fisher-price tricycle. the tough tricycle, 7 million of them in the u.s. some children actually hurt on this one.

what are parents supposed to do with this thing? the company says set it aside and call them to get a new key to put in the ignition. it's this key that seems to be hurting the kids. >> the key is in sort of a center console. and they can do serious injuries in the groin area. so the recommendation from the consumer product safety commission is take this product away from children and contact fisher-price. fisher-price will supply a new key that's less hazardous. >> let's talk about the play yards. this is troubling for people who have small children. a play yard is something that a small child up to maybe four months old, 2.8 million of these a choking hae ining hazard from inflatable ball on this. >> it's not a play yard, where a play station where a child is to lay underneath of the product and play with the toys above it. and balls can be a serious choking hazard for young children. if it comes off like it does in this case, it can put a child in grave danger. again, you want to take this

product away from a child and contact fisher-price. >> also, a bunch of highchairs, a lot of highchairs because of a clip on the back of the legs of the chair that's meant to hold the tray when it's not in use. that clip causing gashes in children. >> that's right. there are two pegs on the back legs of the highchair that are used to hang the tray when it is not in use. but safety standards actually address the safety of products like this only when they're set up in the manufacturer's use position figuring the child's only going to be in danger while in the highchair. we hear children have been falling on those pegs and causing serious cuts and some requiring stitches. >> and also, these little people cars, a green and purple one in particular, fewer of these being recalled. but if you have these stand and play cars, you're supposed to take the green and purple ones away from your kids right away. >> if the wheels pull off a vehicle, they can be small

enough to pose choking hazards. and the best way to test for any choking hazard with any toy or product you have in your home is to use a tube of toilet paper. if the product falls through that tube, it has the potential of choking a child ages 3 or less. >> and a piece of that product comes loose, you get so irritated that could happen. it's supposed to be a piece of a toy that stays together. i'm wondering, do you think there's increased scrutiny on children's products now? this is an awful lot of recalls? >> well, there is, and i think fisher-price is doing the right thing to announce these recalls, get that information out to consumers so kids don't get hurt. and yes, there is increased scrutiny. there are new laws to require that toys are tested and meet safety standards before they come to the market. those will be in place for highchairs too. >> thank you, have a great weekend. >> thank you. there has never been a more urgent time to teach your kids the right lessons about money and about the world that's going

on around them in terms of money. we've got that for you in an easy and even fun way to do it. the author of "not your parents' money book." and you say you wrote this book because of the headlines. the kids hear the headlines. it's an important time for them to know about money and how to talk about it. >> and if we as parents don't talk about it, not enough kids are getting these lessons in their schools. only 13 states have mandated financial literacy education and they're doing a great job. they're trying but we have to do it at home. >> you boil it down the beginning of chapter 2, i love how you boil it down to three things that i think a lot of parents don't get. if you look at the consumer bubble, you can see, kids and money, you have to earn the money, you have to spend less than you earn -- that's so un-american, and you have to save and invest money that you don't spend so it can grow. it's as simple as that. >> it is as simple as that. it's the fact that money is a limited resource. we over the past ten years

during the bubble, we didn't treat it that way with our kids too much of the time we would hand them $20, we'd buy them what they wanted and they didn't learn to make choices that parents now through the cutbacks have had to make consistently. >> and i think kids have had everything they wanted. even if it was something small they could get at a discount retailer that didn't really cost a lot of money, but globalization has brought cheap, imported goods. you remember, our generation, we remember what we got in fourth grade, that big thing we wanted for the holiday or our birthday. kids now get a lot. >> and allowances, which should be used as a tool to teach about money are not used in the right way. parents say they'll give them, they don't give them or give them five weeks worth because they fell behind. and allowance needs to come with a list of things that you as a parent are no longer willing to buy for your kids so then the kids have to go out and decide, do i want the snack at the cafeter cafeteria? or do i want to go out saturday night with my friends? and do i need to work to earn

some more money so i can get more of the things on my list? >> there's a great charles schwab survey. about 1/5 of kids get $100 or more a month. >> with it needs to come -- >> strings. >> things that you as the parent will no longer buy for them. maybe some clothing comes out of that $100. maybe some cosmetics for a teenage girl. you set it up so it works for you. >> there was something cute in here too. really quickly. you asked kids what kind of jobs do they think earned the most money. were you surprised? >> i was a little surprised. of course they think their favorite rock star musician is going to earn the most money. they don't realize that most rock stars aren't quite at the star level yet. >> and you also asked them about who makes more money? donald trump or president obama? >> and they chose president obama. about 80% of the time, which would be really, really nice,

sorry, donald, it would be nice, but unfortunately, not the case. >> but still makes a lot more than the average american, but not as much as donald trump or a whole lot of other people. the book is "not your parents' money book." smart is the new rich, it's a simple concept. you're about to get a whole lot smarter about your money next. and all my investments, but it's not something that i want to do completely on my own -- i like to discuss my ideas with someone. that's what i like about fidelity. they talked with me one on one, so we could come up with a plan that's right for me, and they worked with me to help me stay on track -- or sometimes, help me get on an even better one. woman: there you go, brian. thanks, guys. man: see ya. fidelity investments. turn here.

my name isi am a bankerson. with quicken loans. this is kathy, who i helped do her first home loan, and this is her sister tina, who i also helped do her first home loan. it was unbelievable how well it all fell together. we wanted to stay in our same neighborhood. kathy said, "well, let me give you rachel's number." rachel just made it effortless. i didn't have to do any of the work. rachel did it for me. extremely friendly... easy. i'll say, "i need this," we'd say here it is, and she says, "great. let me get back to you." so she spent a lot more time with me on the phone, face-to-face. she knows that's what my personality is and what i prefer. whereas if it was somebody else... like me. like tina. i'm on the computer all the time. it was emails and emails and faxes. she was just willing to do it the way we did it. clients i work with develop a relationship that lasts well beyond closing their loan. middle of the day at work i'd be emailing her. i don't know what to do. she's like, "don't worry. i got it." i don't want to say brainless, 'cause i'm smart, but i didn't have to think about any of it.

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your house is your biggest investment, your biggest debt, and your biggest asset. the good news is, home prices are stabilizing. home prices rose slightly .6% in july. this according to the latest s&p case shiller report. the bad news is, especially if you're trying to become a homeowner, 1/3 of consumers don't even qualify for a mortgage.

a new zilla mortgage marketplace report found people with credit scores under 620 were unable to get even one quote on a home loan. but there is a silver lining, 47% of you, almost half of you out there have good credit with scores of 720 or higher. how important is this number? how do you fix it? let's go straight to our panel. ryan mack, greg mcbride is a senior financial analyst for bankrate.com. let me start with you, ryan. you say if you have a low credit score, you need to be doing everything right now to move back towards 750. >> exactly. at the end of the day, this is one of the most important things. i wouldn't obsess over it, be worried about it, but it's about making sure you have knowledge. are you going to annual credit report at least twice a year and getting one free credit report per year and paying for the second one? also making sure you're paying your bills back on time. regulate on your automatic bill payment. paying down your debt as

frequently as possible, also doing things such as getting a security credit card for those individuals who don't have a sound credit history. so all of these things are things we need to consistently do to make sure woor we're boosting our foboost ing our fico score. >> the roman's numeral for you today is seven years. seven years is how long one missed payment, one missed payment on a credit card, mortgage, anything, will stay on your credit report. paying your bills on time, greg, the very big important one for keeping the score up. >> it really is. that that is the single most important factor in your credit score. and i think the good news there is that poor credit isn't forever. those past missteps carry less weight with the passage of time. so if you are paying your bills on time and paying down your debt over time as ryan noted a moment ago, those two factors constitute 2/3 of your credit score, you're taking two big steps in the right direction. >> i've asked the folks at fico before, what can i tell people about how to move this score up

quickly? and they basically say be patient, pay your bills on time. time heals all wounds. and if you consistently do these things, you're going to be okay. but what i hear from consumers and viewers and readers is that they feel like this is a number that's out of their control. is it out of their control? >> definitely not out of their control. because at the end of the day, we have complete control. are you writing letters and disputing things that you might have disputes over? >> that's where you go to annualcreditreport.com. because 75% of credit reports have a mistake there somewhere. >> you might have an old account maybe from a membership from 2002 that you forgot to cancel years ago or maybe sometimes they might have charged you, maybe your name is ryan mack jr. and might have charged your father. identity theft, there's millions of cases every single year. these things we can dispute. that's one of the fastest things i've assisted going to your credit record and going to those website and challenging those

things. they have 30 days to reply and respond to see if they're correct or not. >> greg, wh you have a low credit score cost you more money, that's the bottom line. you're going to pay higher interest rates. it can cost you $20,000, $30,000, $40,000 more over the course of a loan. what should people be doing when they're shopping around for interest rates on mortgages and alike? and if you have a credit score below 650 or 620, should you be out there in the marketplace? >> well, if you have a credit score below 650 or 620, my advice is, hey, look, the affordability you're seeing in the markets today isn't going to go away. if you need to take 6 or 12 months to boost that score by all means, go ahead and do that. mortgage rates are unlikely to skyrocket. you'll still have great affordability, but you'll be in much better position to take advantage of that if you've boosted that credit score. >> thank you so much both of you. greg mcbride, ryan mack, of

course we'll tweet and put on facebook, links to more important strategies to how to fix that score if you can and get control of your finances with so much out of your control. in fact, i decided to boil it all down for you what you can control like your credit score, how to raise it, how to raise it quickly, how to fix errors and get credit working for you again and put it all in a book called "smart is the new rich." covers everything related to your house and bills. stay tuned for that. i'm really proud of that. next, why ignoring your medical bills and those explanation of benefit forms could cost you hundreds even thousands of dollars. and up next, we'll arm you with the smarts you need to become that empowered patient. [ advisor 1 ] what do you see yourself doing one week, one month, five years after you do retire? ♪ client comes in and they have a box. and inside that box is their financial life. people wake up and realize i better start doing something. we open up that box. we organize it.

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what does being an empowered patient have to do with your

bottom line? maybe more than you think. not paying attention to your medical bills could cost you hundreds if not thousands of dollars. here to explain is cnn senior medical correspondent elizabeth cohen. elizabeth, how common is this problem of medical billing errors? this is money right out of your pocket. >> that's your post. >> that's right. you would be mazed at how often it happens. the medical billing advocates association of america say eight of ten medical bills have errors in them and some people think who cares, my insurance is paying for this. most of us, our insurance has co-payments so you're paying 10% or 20%. if you have a $10,000 hospital bill, if you have a $10,000 hospital bill and paying 20% that's a huge amount of money. so if you go to cnn.com/yourbottomline you'll see a tool we have, an interactive tool you can use to check out your medical bills and

see if are any issues with them. >> fantastic. how do you fight the insurance company if you find an issue with that bill? >> you know how they talk about with real estate it's all about location, location, location. with insurance it's all about appeal, appeal, appeal. just keep appealing their decisions, don't let them get you down, folks who do this for a living say if you appeal enough times chances are -- actually the chances are really good they will decide in your favor and in the end you'll be such a pain in the neck they want to get rid of you. >> another big money pit, prescription drugs. tell me about that. >> right. all of us are paying -- if any of us taking prescription drugs know they very often are extremely expensive and, again, even if you have insurance you're still paying a big chunk of that bill. so, i have a couple of tips for what you can do when you go to the doctor next time f-you're expecting a prescription when you walk out there. first of all, print out the $4

generic list you can get online from your drugstore. bring what the you when the doctor gives you a prescription hand them a list and say hey is that drug on here. if not will one of these work instead. also ask your pharmacist for help. if your doctor gives you a prescription, you get to the drugstore, it's expensive, you say hey call my doctor and ask if there's something else. also another thing you can do, if an expensive drug is truly the only drug that's going to work for you consider a prescription assistance plan. a lot of pharmaceutical companies have these. they can help you out in many cases with the expensive drugs that you need to take snoop that's like going the merck website. i can't afford this drug. what program do you have for me. >> go the website or call their 1-800 number. >> great tips. thank you so much. don't forget to catch her special report empowered patient

tonight and tomorrow night right here on cnn at 7:00 p.m. we have some great bargain fall getaways. that's next. ♪ to know, know, know you

after this we're gonna get ice cream. can we go get some ice cream? yeah. ♪ and i do ♪ and i do ♪ and i do

from sky-high ticket price and fees and surcharges travel isn't what it used to be. here to break down some changes and give you affordable alternative, and yes there are for the next getaway, skboirnl editor at "travel and leisure." first of all the fees, the fees, will it end? >> probably not. in fact, they are getting higher. it used to be they would charge you $15 for your first checked bag. now it's closer to $23 or $25. >> if they lose that bag? >> you don't get that fee bag. they are charging for peak travel days surcharge. they raised the fares during thanksgiving and christmas but now tacking on $20 to $40 round

trip surcharge. the d.o.t. is looking into this. i don't know we'll get rid of them. they can at least make it more transparent so consumers can know what's in store. >> people are very angry with this. the mail we get about this is unparalleled. credit card fees and airline fees. you did find some good fall holiday and holiday travel. there are some bargains. >> there are. montreal one of the most beautiful cities in north america, one of the most beautiful cities in the world, be especially the old section. it's a real meat lovers paradise. great food. the queen of hotels in montreal is the fairmont queen elizabeth. beautiful property. leading hotel there for over 50 years. all the heads of state have stayed here like queen elizabeth the ii. john lennon and yoko ono. there's a deal going on $210 a night including breakfast, 25%

savings at one of the top hotels. >> palm springs, 40% savings in palm springs. >> at the hyatt grand champion resort. near by indian wells. it's going to be $240. great for a family because not only are you going to get to take advantage of the golf and swimming and tennis you go on a private safari. desert southwest animals. it has be africa animals. kids get to feed the giraffes. >> still hurricane season but you say the ritz-carlton is a good deal. >> you can get a good dale in jamaica. a sugar plantation one of the top resorts in jamaica. $189. 25% savings. this is at a ritz-carlton

resorts. five restaurants. so clued beach. couldn't be better. >> you'll be hearing headlines about fees and fares going up but if you smart you'll be able to find some deals. >> be a smart traveller you'll get some deals. >> thanks for dropping by. if you're taking the kids along in your travels this fall you're in luck. lots of airlines offer free swag not just those airplane wings. on southwest kids are given activity kits with postcards, playing card and coloring book. ask for it. american offers a first time flyer certificate signed by the pilot and flight attendants. if you're flying internationally, qantas and singapore offer free toys and activity kits. for kids celebrating a birthday on a em ira tes flight a birthday cake and a picture. let the airline know about the birthday at the time you make the