hi, everyone. welcome to "on the money." i'm becky quick. it's more than five years si obamacare became the law of land. is it working? how has health care changed? what does it mean for your car in the future? no jobs too small or too strange. the company that will walk y dog, fix your sink, or do ju about anything else. now it's tearing up with an internet giant. holy cow, a new movement says pasteurizing milk\e is unnecessary. what's behind the heated fight over raw milk? and if you're one of the lucky wins getting a tax refund, what should you do with your chunk of chang "on the money" starts right >> ann money," your money, yo your f now, becky quick. >> i'll be back with the res the show in just a m

but first, mooers michelle with some of the stories in the headlines this week. >> thank you, becky. here's a look at what's making news as we head into a new week "on the money." a disappointing jobs report. 126,000 jobs created last month, well below expectations. the fewest jobs since december of 2013. the unemployment rate held steady at 5.5%. bad weather, stronger dollar, and falling oil prices are at least in part to blame for slowing growth. the market were closed on the holiday-shortened week. they fell on science of a weakening economy. stocks rebounded a bit on thursday. fast food giant mcdonald's is hoping the workers with start lovin' it when it comes to the work place. they're raising wanls. they'll increase hourly pay by more than 10% and offer paid vacation to its 90,000 workers. if you're wondering what ben

bernanke thinks about things, he now has a twitter account. @benbernanke. he plans to tweet about economics, finance, and occasionally, baseball. back to becky. it's been five years since the affordable care act, also known as obamacare, became law. the president has cited the cleveland clinic as a model of efficiency. dr. toby kosgrove is a doctor there. >> thank you for having me. we have seen interesting things across the country. health care inflation is down, 2.6% last year. we have seen quality metrics go up. 13 million new people enrolled with coverage. and so, i think from those three standpoints, we have seen a success. >> what grade would you give the program overall?

>> we don't know. i think this is a long-term project. one of the things we have to do is keep costs down. we have to sustain it. and as more as many people come in and we have an older and older population, it will be more difficult to do. we'll see the effectiveness of maintaining the cost controls in health care. >> that's been front and center for cleveland clinic. how much did you strip out in costs? >> we're about a $6.5 billion organization. we looked at what the future would mean. we had to take out $1.5 billion in costs. we have taken out about $500 million of costs in the last six months. we've been able to send that into reducing the costs for our patients and, that we provide. so, we can reduce the costs of radioly exams, reduce the doss of lab tests et cetera. >> how do you do that without giving up anything this terms of

quality of care? >> that's the $64,000 question. what we have seen is we've gone the what is called care paths. they take the very best of a how you do a procedure, take care of somebody, and standardize it. and that takes out the variation, as you take the variation out, you improve the quality and reduce the costs. we have seen in orthopedic surgery, everybody doing the same things, the same way, we have seen lower infebs, lowest courses, shorter stays in the hospital. one of the things we have seen is a reduction in venture capital going into devices and pharmaceuticals and a big jump going into health care i.t. to help drive the consumer and give them access to health care. >> one of the roles you play not only as a doctor leading the clinic is an employer. how many employees do you have? >> 43,000. >> and you've been working for over a decade at really trying

to make sure your employee base is healthier, too. you stopped hiring smoerks back in 2007. >> yes. and the incidents of our smokers is down the 5 p.5% of employees smoke. the average weight of employees has come down over time. it's been very successful, a a long pull. >> what ar you most excited about in terms of new technology, new discoveries when it comes to med sign right now? >> think one of the really exciting things we're doing is taking care to the patient. and we've done this? a number of ways. we have made access easier. same-day appointments. about a million a year. we have -- >> when you say same-day point? >> you call up, and say, i want to be seen today.

one.ey get an a we reduced the waiting time in the emergency rooms to 12 minutes, on average. of all of our hospitals. we have put all the charts on mobile apps so that cyou can red your whas cal my chart. 2 million people with read what's on their charts. we have a mobile stroke unit. if in fact you have symptoms that suggest a stroke, we dispatch an ambulance with a c.a.t. scanner in it. you can great the treatment in the driveway, if need be. 1 of 2 in the country. the second thing is, we're now having virtual visits. people are going to be able to have a visit to their doctor on the skype or tablet or iphone. and, we're now seeing people who have post operative visits. they can get their checkup with

their doctor without having to come back to the hospital from home. >> you check my tonsils if i go aah. >> if you still have them. >> i do, actually. >> what we want to do is, we say, look, this is what we're headed towards is seeing patients anytime, anywhere, and so wherever you are, you should have access one way or another to medical opinions. >> dr. cosgrove, thank you for joining us. >> my pleasure. up next, we're "on the money." if you have a chore you're dreading, you can hire a traffic rabbit by the hour to get it done. is saving your time worth spending your money? we know milk does a body good. what about raw milk? there's a movement that says yes. regulators are having a cow. look at how the stork mark mark ended the we

n wouldn't it be great to be able to hire someone to do a chore you have been putting off? you can. you can hire a task rabbit. who are they? is the money you spend worth the time you'll save? lea is the task rabbit founder and ceo. thank you for today. >> thank you for having me. >> what tasks are in the highest demand? >> the majority of tasks we see in and around the home. home services categories like han hand hou cleaning, personal assistants. shopping deliveries, groceries. we see all sorts of havevariety tasks, too. like help me plan any daughter's 1st birthday party. >> how did you come up with this?

>> i was a software engineer for ibm for years. i was out of dog food on a cold, snowy night. i thought there has to be a better way for me to get the dog food. that was the origin story of tarveg rabbit. four months later, i quit my job to build the first version of the site. >> i understand this need. i face ate lot myself. who are the people that do the tarvegs? and how do they find task rabbit and how do you vet them? >> we have about 30,000 taskers across the u.s. and the uk. we're open in london as our first international market. there's a top 15% that have committed to this as a full-time job opportunity. so they're doing two to three tasks a day. cashing out from $6,000 to $7,000 a month. the vast majority, about 85% of the taskers do this in their free time. nights and weekends. about 80% of the tasker

community have college degrees. they come in about 4,000 applications every month. we put them through a vetting process that includes a background check, an orientation program. >> how much does it cost to get somebody to do something. let's say i want someone to clean out my frrefrigerator or garbage cans? >> one of the things i'm most proud about is we allow our tarvegers to set their own hourly rates. it's up to the tasker. and hourly rates range from $20 to $150 an hour depending on the job. some of the handyman taskers are really earning a nice living wage at $150 an hour. >> some people are doing this and just this? >> yes. that's correct. about 15% that are committed to this full-time. as a source of income. >> give me an idea of a $20 an hour versus $150 an hour.

>> well, a typical easy task might be to do a shopping and delivery. i actually just was on task rabbit this morning ordering some food and some groceries and some extra things that i needed around the house because i have been traveling all week. i have a tasker coming by for 20 bucks an hour to basically fill the groceries and replenish the house for me. something a little more expensive might be a handyman job where you're mounting a tv. the integration we're running with amazon. that might be upwards of $150. >> how does it work? >> we are excited about it. right on the amazon check out process, you order a tv. you'll be prompted if you want installation. you'll be able to choose the tasker that you work with that comes in your home. and finish the job.

>> what is the weirdest task that anybody has requested >> one of my favorites was the woman what chicago who dropped her keys into the lake. and the tasker that helped her with this job was a certified scuba diver and brought her gear and found the keys in the la >> thank you, lea. >> thank you for having me. up next, we're "on the money." to heat or not to heat. that's the question when it comes to millic. why some people want to do away with pasteurization

raw milk. those words curd until your mouth or make it water. there's a growing movement to legalize the sale on a state-by-state basis, even though many groups have opposed the consumption for health reasons. the president of the consumer legal defense fund, pete kennedy, is here. thank you for being here. >> thank you. >> what is raw milk? >> it's not processed in any way, not pasteurized. direct to the consumer from the cow. >> it's a process where the milk

is heated up. we started it in the 19th century. it was a way thought to ending disease. credited with ending typhoid fever and scarlet fever. why the movement to get rid of it? >> what was happening back then was a lot of the dairies moved into the cities. they were in unsanitary conditions. they were using by-products fromdy stillries to feed their animals. at the same time this was going on, there were still plenty of dairies producing raw milk in the countryside. they were not having any problems. the health problems were concentrated in the urbanization of dairy farming around that time. >> so we have had 81 outbreaks linked to raw milk just between 2000 and 2012. those have been primarily in states where you're allowed to sell raw milk. >> well, first, i would say you

can say that almost about any food. any food where a state's legal, you'll have more people consuming. it's the law of averages. you would have more outbreaks. >> obviously, things are gotten better. you're talking about better conditions for the milk cows. if you're talking about the potential for outbreak, somewhat the advantage to raw milk versus pasteurized milk, where you won't have that problem? >> a couple of things in response to that. first of all, the pasteurized milk has been implicated in outbreaks as well. an incident last month or the month before when ice cream made with pasteurized milk was associated with many deaths. i think people mainly drink the raw milk because they like the taste. they do believe in the health benefits. there have been studies in

europe, indicating that raw milk can be protective against allergies and asthma. >> for people at home deciding what to feed their kids, the cdc says small children, infants are more susceptible to food borne illnesses than other people. would you feed raw milk to your infant child? >> absolutely. i started feeding him raw milk at 11 months. as far as the cdc and fda go, these are agencies that have let products such as aspartame, msg, high-fructose corn syrup, general netically modi general netically modified food on the market. >> i want to thank you for joining us today, pete. >> okay. up next, a look at the news for the week ahead. if you're one of the 3 in 4 americans expecting a tax

refund, got plans? should you slurnlplurge, saver,.

for more on our show and our ges, go to our website. otm.cnbc.com. and follow us on twitte twitter @onthemoney. the nonmanufacturing index is due on monday.

tuesday, we'll get consumer credit data for february. wednesday, the federal reserve will release minutes from the open market committee meeting last month. american airlines and u.s. airways will officially merge when the faa issues them a single operating certificate. friday, apple watch will hit stores, on for a preview. you can try on the watch, only by appointment. also on friday, samsung launches the highly anticipated galaxy s-6 and s-6 edge smartphone. >> the tax deadline is near. joining us personal fitness correspondent sharon epperson. >> the irs says about 3 in 4 americans get money back each year. the average refund in year is $2900. you can spend, save, or invest. >> pretty much savings and just

putting money away for rainy day. >> pay off credit cards. >> we're trying to become entrepreneurs. we need extra cash for the business. >> i don't he a specific plan right now. >> it's better to have a plan on how you'll spend it, save it, or invest it. >> what should people do? >> well, one of the things you want to think about when you are first figuring out whether to save it or spend itting look at what you have to spend it on. what the big expenses are. for a lot of people, it's debt. put some money toward that. this winter, a lot of unexpected expenses for people with the snowstorm. damage to homes. >> how do you figure out what percentage you should save and what percentage you should maybe splurge with? >> i like to look at the 60% solution. the income in general, you can use it for the refund check as well. no more than 60% of that refund

should go to committed expenses. anything you have to pay every month. mortgage, debt, taxes. 20% should go to long-term saverings. saving for child's education. >> 20%. that's a lot. >> it's a lot. and 10% to short term savings so you have an emergency fund. the other 10% is fun money. >> 20% is a lot. >> 20% is a lot. a lot of people don't realize. i'm talking long-term. this is retirement and college. >> if i withhold my weaker impulses and don't plurnlg and decide to saver are there places that are good investments? >> that would be putting it in your retirement account. putting it away in a 529 plan. another great place to save. think about where you might want to invest for the short term. maybe get a little bit of

something. maybe where a money market account might go. >> i'm going back to the 60% rule. 10% of my gross that i get to spend or 10% of take-home? >> it's gross. this is all based on gross. >> i have work to do. >> it's a lot of work. it's good to have a plan. see if you can get there. if you start at 10% and work your way up, you're starting in a great place. >> what are you doing with your tax refund? are you getting one? >> i don't know yet. i haven't finished my taxes yet. >> wait a second. >> i don't want a refund. it's like giving the government your money. if i do get one, i want to adjust my withholding to make slur the next time i don't have it. >> i know i should be thinking that, not letting the government hold my money for free for the year. but i hate paying tax bills at the end of the year. getting hit with something on april 15th that you're not expecting. >> and making sure you have the the right withholding is the key

to doing that. making sure you don't have the big tax bill or the huge refund. >> are you doing your taxes this weekend? >> i am. it's going to be fun. it's a nice long weekend project. >> have a wonderful weekend despite that. that's the show for today. i'm becky quick. thank you for joining me. next week, how pimping your ride may soon be as quick as print. don't miss our sneak peek at 3-d cars. see you next week on the money. have.

>> madonna new no. 1 album. monique black bald from hollywood? and terence and traj i television history. hi everybody. welcome to "access hollywood". i'm shaun. we start with madonna. over 30 years she's been unstoppable and in our new interview madonna talked openly about her daughter lourdes being away at college and new mix. we combine with the interview wanting to know exactly what was wrong with the infamous cape. >> the darn armani cape. >> after her now infamous award fall she instance gram the sketch calling her armani cape beautiful and simply saying it