hi, everyone. welc "on the money." i'm becky quick. the little pill that can make a huge difference fighting the opioid crisis. how high tech is bringing new hope. why you might be pleasantly surprised next time you open up your 401(k) statement. stocks are soaring, and it seems like there's a new record every day. but can it last? it's the giving season. how to pick the right charities and make sure your donation gets where you want it to go. and the other side of james patterson. his advice for children may not be such a thriller. >> i think a nation of please and thank you kids, that would be very useful right now. >> "on >> announcer: this is "on the money." yo money, your life. your future. now, becky quick. we begin with the opioid crisis. in addition to the pers

price millions of americans have paid, the epidemic has had an economic impact as well with an estimated cost of more than $500 billion in 2015. as america grapples with this problem, innovators are coming up with solutions. could digital pills be part of the answer? meg tirrell has more on our cover story today. >> one new tool doctors hope to use in the opioid crisis, so-called digital pills, which may help by providing a clearer picture of prescription opioid use. they contain an ingestible wireless sensor that can notify doctors or caregivers that a medicine has been taken. the sensors send a signal to devices outside the body. doctors at brigham & women's hospital in boston ran a small study using the technology. they enrolled patients who had broken a bone, prescribing them seven days' worth of oxycodone. that's 21 pills. what they found, patients on average only actually took six. >> we were able to identify that patients don't really need nearly as many opioids as doctors think that they do.

>> reporter: that's important because data show that the longer a patient's initial prescription of opioids, the more likely they'll still be using the medicine a year or more later. the digital pill technology used in this study made by a company called e-tech rx, isn't yet fda approved but the first digital pill using a similar technology made by a company called proteus, was approved two weeks ago. it's for the schizophrenia drug abillify, made by japanese drug maker atsuka. the goal there, to help make sure medicines are taken as prescribed. >> we know that for all chronic medicines non-adherence is a big issue, and we know that for patients with serious mental illness non-adherence is just as much of an issue but unfortunately for them not taking their med actually lead quickly to a dramatic health care impact. >> reporter: a key atsuka emphasizes that patients make decisions with their doctors about whether to use the dlimth pills. in the opioid study dr. edward boyer says the goal isn't surveillance. >> it's an opt-in technology

that's intended to help people. it's not intended to be big brother watching you all the time. >> reporter: but gaining more insights into how these powerful medicines are used could be an important step in cushing abuse. for "on the while digital pills may be one front in the fight against opio epidemics, another one is treating the addiction as a disease. gary mandel is the founder, the chairman and ceo of shatterproof. that's a non-profit organization that was launched in 2013 to promote advocacy, research, and to end the shame and stigma of addiction. and gary, thank you so much for being here. >> thank you. thanks for having me. >> i want to talk about shatterproof and how it works. but before we do, tell people why it is that you came to develop shaderprshatterproof? what happened? >> my ol brian struggled with addiction from the time he was 16 or 17 for eight years. d during that time period he went to eight different programs, tried really hard, fought hard, but ultimately he passed away.

and getting that phone call in e middle of the night that your son has just died is just -- you can't -- there's nothing worse. but for me actually there was something worse in the sense that it was so preventable. and even worse than that, he was addicted to opioids but he didn't die of an overdose. he took his own life. >> you took him to eight different treatment programs. why do you think this can be avoidable and there should be a solution for this? what did you l sure. i saw when brian was at halfway houses after treatment he'd always relapse. and i saw unprofessionalism in that industry. it's all right. if i can buy one house in connecticut and help 10, 20 kids a year running a really good halfway house, what a nice thing to do. but with my background in business you start investigating building one house in connecticut and you say, well, why not a chain of houses? if it's a chain of sober homes,

programs? why not better prevention? you start peeling back the onion, you start looking at the entire industry. and when i looked at the entire industry, i just could not believe what i found that i didn't know when brian was alive. >> what did you find as you started digging around? >> when you're going through it, you're solely focused on your child. but now i find out that this is 25 million people addicted to drugs or alcohol, which is 1 in 10 above the age of 12. third largest cause of death behind heart and cancer and no one's talking about it. so it was big. i learned that 8 out of 10 of those adictated today became addicted before their 18th birthday to drugs or alcohol. it's about our teens primarily, not completely. most importantly, i learned, and this dme, i mean, n worth of research that $20 had been done over the last 20 f knowledge that could prevent many of our teens from ever becoming addicted and many of those who are addicted better

outcomes and treatment. all of this information was in peer-reviewed medical journals, properly documented but not out in use because 95% of the treatment programs in the country are not following evidence-based practices, and even worse we don't know which ones are and which ones aren't. so as a former ceo running businesses, this doesn't seem that complicated. if there's 50 evidence-based protocols in the treatment world and we're not even talking about prevention, just treatment, and no one has any idea who's doing which ones of them, not that complicated to say okay, let's narrow the list down to the ones same thing you do in any business, and find a way to measure them, put out a scorecard the way you would do at any business to hold people accountable and create transparency and that consumers would know where to send their son or daughter, and payers, which are insurance companies, and state budgets and federal budgets, would know who to have

in network, who to pay and who not to pay, and who to pay more. >> this is more than just the better bureau of this. you are looking at rating things for consumers -- symbol a consumer guide to treatment. >> but then you're also trying to make shoor you are following the payments to the best practices. >> absolutely. >> and that's a huge, important and if you think about it, not that complicated. we've already taken the first step. we have identified out of the surgeon general report, which saved us two years because there was documented all the research of what works. we pulled out of there eight evidence-based practices that should be core to any treatment program in the united states. >> which are what? >> which are if you're addicted to opioids three medications should be offered to you. which in 75% of the treatment programs in the countries are not offered today. not that it's bad people. we didn't have them before. the industry's been slow to change. my son was not even offered that medication in the first seven. in the eighth he was.

then he went to an outpatient program and they weaned him off it. and i have all these e-mails. afterward it's him complaining about it, and i didn't know. i have story after story after parent whose son went to a program addicted to opioids. not put on medication, which is the gold standard today. leaving and overdosing and dying. it's so preventable. >> where does shatterproof stand right now? you have launched. you've taken the first step. >> right. so shatterproof is broader than what we described. american cancer. american heart. susan komen. autism speaks. nothing for addiction. and so many people have joined with me all over the country. there's like 150,000 people now all over the country with tears in your eyes like you do right now. saying we want to help, we want to be part of this. and it's just growing. this is only one piece of it. we champion legislation in 14 different states getting laws passed. we're the leader in gettinging laws passed around the country.

requiring doctors to follow certain precautions before they prescribe an opioid. so less people will become addicted. require doctors to take a course in presc before prescribe it because most doctors haven't taken -- >> it's crazy that they haven't. >> it's unbelievable. >> gary mandel. the organization is called shatterproof. you check it out on the web, but web, but we want to thank you much for being here today. thank yo we know a thing or two because we've seen a thing or two. ♪ we are farmers. bum-pa-dum, bum-bum-bum-bum ♪ ( ♪ ) ♪ one is the only number ♪ that you'll ever need ♪ staying ahead isn't about waiting for a chance. ♪ because one is... it's about the one bold choice you make that moves you forward. ♪ ...that you ever need with can come in for our season's best offers and drive out with the perfect 2017 cadillac escalade for you.

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now here's a look at what's making news as we head into a new week "on the money." stocks are soaring. the dow climbs more than 300 points on thursday, closing above 24,000 for the first time ever and having its best day since march. that came just six weeks after the dow closed at 23,000 for the first time. the s&p 500 an had broad rallies during the week as well. the s& day since march and it also set a new record. that move was mostly powered by the belief that the republican tax bill will pass the senate.

though stocks took a breather on friday. t first thought in the third quarter. a second reading of the gdp showed an increase of 3.3% on an annual basis. that's the strongest quarterly growth in three years. business investment and government spending were up. and gillette is cutting something, and they hope it's not your face. it's their own prices. the company launching a new line-up of lower-priced blades to compete against online competitors. we'll see if their profits will be, get this, razor thin. seems every week stock market records are broken and about every month milestones are reached and then surpassed. what will this year's rally mean for your retirement savings when you open your 401(k) statements at the end of the year? james fallson is the chief investment strategist at the luthol group. stocks surged this week, a lot of that was the ta it might get. what do you think of this whole thing and what happens if it doesn't pass? >> i think there's some risk now becky.oesn't pass but it sur

i still think you want to be prepared for a little more difficult 2018 certainly than we've had this year and maybe be a little more conservative in how you invest. >> does that mean if i haven't put my money into the stock market already it's a little too late to do it? >> i wouldn't say that. i think if you haven't got money in the stock market i would definitely get some in there. but i'd do it over the course of the next 12 months. a little bit every month rather than deciding what day to put it all in. >> if you haven't been paying attention to your 401(k) account this year, you may get the letter at the end of the year. if you take a look at it and see a big number, wow, then what do you tell people? >> i'd smile first. and then what i'd look at -- then what i'd look at is maybe make sure that you reallocate funds because some of your best holdings will have gone up in waiting and your stuff that lagged would have fallen. i'd rebalance your portfolio for 2018. maybe rebalance it -- >> a balance of stocks and bonds? >> yeah. between stocks and bonds. i'd rebalance that mix.

but i'd also rebalance some of my sector exposures that i have in there and i might want to move a little more defensive like i particulad maybe take a little out of aggressive technology, for example. it's done really well. and move a little bit to like energy and maybe financials for 2018. >> every time people are sitting at home and they see these new records, they think oh, boy, what does this mean? are we due for a pullback or is this a big bubble that's going to keep blowing up? what do you tell people just to calm them down? particularly if they're looking at long-term savings for their 401(k). >> i think we're due for a correction and we may well have that in 2018. i also don't really see the end of the recovery yet. and i don't see the bear market. so if it does take a correction, i'd smile again and go look at what i want to buy on the cheap or allocate more funds to. >> jim, thank you. it is always great to see you. >> you too, becky. thanks so much. >> jim paulson. >> up next week, on the money.

the holida of us want to give b and you don't need to give a lot of money to make a big impact. up next, unique ideas on how you can give while you're on a budget. and later, please and thank you. why author james

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don't worry - i know what a lug wrench is, dad. is this a lug wrench? maybe? you can leave worry behind when liberty stands with you™. liberty stands with you™. liberty mutual insurance. i usually just give to larger charities. >> local. i always give to local. >> basically, i pretty much stick with my church, the food banks. >> usually big charities.

>> i stick with the bigger ones that have a decent reputation. >> local ones and ones that aren't spending all their money on administration. >>s usually very personal. it's made an impact on our lives on the people we know. >> from where to give to how much, there is a lot to think about. if you plan on donating this holiday season. that's why it's very important to do your homework. here now with some tips on how to make your dollars count is senior personal finance correspondent sharon epperson. it's great to see you. >> good to be here. >> how do you make sure that you're not falling for a scam, that you're giving to a good organization with a credible background? >> you want to vet these charities and you want to make sure you go to a couple resources online. go to the better business bureau, guidestar, which rates non-profits, as well as charity navigator and really see where the mo in this organi and what they think about the organization. google of course also to find out any news stories about the organization, any scandals, any awards and honors, and then go to the website of the charity and see what their leadership team looks like. after all, they're the ones who

are actually e os to make sure your dollars serve the purpose they're supposed to. we just heard from a lot of folks who say like to give nationally or give to local charities. what's the best way? >> there is no best way. it really is a personal decision. but a lot of people do exactly what some of those folks said. they give most of their money to religious organizations, their local institutions, and that's about a third of where charitable donations go. some go to education. some go to human services type organizations. you should know that your dollar goes further in developing countries. it goes further, further away from home. but that's just because the cost of living and the things that are required. so you wanted to give to a malaria organization in africa. you might be able to serve eight people with malaria nets for ten years -- or two years at least with $20. >> that's amazing. >> whereas here locally i just one kid, maybe one at for a winter, depending on how fast they grow. it varies. >> what's the best way to go

ahead and give if you're on a limited budget? some people are thinking i don't have a lot but i really want to give. >> think about oth ways to give. it doesn't have to be just with money. maybe instead of exchanging gifts with family members or friends you 12k50id to volunteer together for a certain charity. that would be a way to really share the holiday spirit. cleaning out your closet. those of us who hate to do that but now we need to, make it count. and donate those items to a charitable organization. and even when you're shopping online for those holiday gifts you can sometime make donations right there, $2 here, $5 there. small donations can make a big difference. >> it shernl shouldn't be the only thing motivating giving and it never is, but there is a tax incentive to give too. how know about that? >> your charitable contributions can often be tax-deductible and that's something you need to think about but also make sure you keep track of your donas to see a written 250ds they need written documentation of where this money is going. so keep those receipts.

and then also make sure that the charity is a 501c-3 charitable organization so it does qualify for you to get that tax deduction. >> sharon, thank you so much. >> pleasure. >> great to see you. up n "on the money" a look at the news for the week ahead. and the best-selling author james patterson on an important mission to encourage more chil >> there are many kids in this country who have >> who wrote the dec >> thomas jefferson. >>. cheers, guys. they really appreciate the military family, and it really shows. we've got auto insurance, homeowners insurance. had an accident with a vehicle, i actually called usaa before we called the police. usaa was there hands-on very quick very prompt. i feel like we're being handled as people that actually have a genuine need. we're the webber family and we are

usaa members for life. usaa, get your insurance quote today. who wrote the declaration of independence? >> thomas jefferson.

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here are the stories coming up that may impact your money this week. on monday we'll see how strong the industrial sector of the economy is when a report on factory orders for october is released. for all of you who have a sweet tooth monday is also national cookie day. so be on the lookout for chocolate chip and oatmeal-raisin deals. yum. on tuesday we'll be getting an indicator of how the services sector is doing with the ism non-manufacturing index. then on thursday we're going to report on consumer credit for october. and then on friday we'll see how many jobs were created or lost for the month of november. popular and prolific. best-selling author james patterson is both. his novels, thrillers, and children's books have sold more than 350 million copies worldwide. and many have become movies and television series. he just released the 25th back in the alex cross detective series. when we sat down with him recently, i told him i couldn't believe it's been 25 years since the first alex cross book. >> you can't believe it's been 25 years? >> i've been reading him since

the beginning. but yes, 25 years. and your latest go at this is called "the people versus alex cross." >> yes. poor alex is on trial for murder. that's a story. >> it is a story. but his character has been so enduring. and did you expect that when you first invented him? >> i thought it would be one book. but when it was sold to little brown, they said we want to do a two-book deal. then i went okay. i went from "to kiss the girls. at that point i was hooxd on alex. >> which meant -- >> you i wanted to write more stories. i still do. >> what makes you think that some of your books are better for movies? what does a script have to -- >> visual and different from everything out there. i think right now in television, you know, detectives, crime stuff is still pretty hot. in the movies not as much. so a lot of those you just go i don't know that this would be --

that's rich enough to be a movie. >> you are an amazing author in that you are writing not only so many things but so many things that come from different veins. you have another sequel that's out that's called "give thank you a try." >> yeah. picture book f book for kids. how did this come about? >> this is about just to get kids to say please and get kids to say thank you. i think a nation of please and thank you kids, that would be very useful right now. i think it would be good if we had adults who were please and thank you people. it's the way i was brought up. i think it's good if kids recognize when they're getting something that there's somebody e of the equation and they can say thanks. the first one i did with bill o'reilly. very strange person to be like doing that with given what's happened. >> i think he was in concert with the idea. he was. he has children. i think he likes children. look, there's speed bumps in life. obviously, he appears to have hit a big speed bump. and when it came time to dot

second book, originally we were thinking of doing it together and then he called up and said i don't knowa good idea for me tos nice of him to . so we didn't do the -- didn't do this book together. but it's a cool book i think. >> you've done a lot of books for kids too. you have an entire separate line. >> i did one with wife recently. "big words for little geniuses." which was a "times" best-seller. she's the big author in our house. >> you are all over the place, both in digital and in print. what do you think about the state of the book industry overall? >> not bad right now. it's not bad right now. independents have come back a bit, which is great. unfortunately with books they don't get enough publicity. f getting them on television. movies get all the publicity in the world. chucky, son of chucky 5, and it's on on every -- and it's reviewed in every newspaper. what? why are we reviewing "son of

chucky 5"? so there's a pr problem i think that books have. symbol james, i want to thank you very much for your time. congratulations on the new project. especi on cross. >> he's back. >> how long do you think he'll keep going? >> i'd say another 50 or so. >> 50 or so years. thanks to james patterson. that's the show for today. i'm becky quick, and thank you so much for joining us. next week, top technology gifts. new gadgets to put on your list to give or to get. each week keep it right here. we're "on the money." have a great o.

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