welcome to "on the money." i'm becky quick. >> happy july fourth welcome, everyone. fighting the skin cancer epidemic. what sunscreens work best and which are the best bargains. if brexit has you nervous about retirement money. what should you do. stay out of the retirement danger zone. but brexit means there are vacation deals to be had and they are not all overseas. where traveling in the united states could be cheaper, too. and a young couple celebrating america's national parks in an unusual way. their amazing journey. >> i'm looking forward to sleeping on a bed again. >> "on the money" starts right now. >> this is "on the money," your money, your life, your future. now, becky quick. we begin with skin cancer. it is on rise with more cases diagnosed annually than breast,

prostate and lung and colon cancer cases combined. according to the american cancer society. so shu could you stay protected and how often should you get examined. we talk with a doctor and that is our cover story. >> skin cancer is very common today, call it an epideckic. over 5 million cases. it is a problem with the skin, the ultraviolet lights can come down on the skin and cause a mutation. it keeps growing and you have to have some treatment because if not, it is either going to be very large and deforming, or in some cases, as in melanoma, it could spread to other organs in the body and potentially even kill you. >> i think that a comprehensive program that still includes the hat and the sunglasses and t ing to seek out the shade clothing that protects is key. sunscreen is the next best thing, if you can't cover up.

you have to think about the use of sunscreen the way you would about brushing your teeth or any of your daily grooming activities. i recommend that you look at your own skin every month, what we call a self-exam. if you find something, don't be so scared that you put it off and don't do anything about it. seek attention. really nice thing about specializing in skin cancer is that it is curable. early detection, it is 100% curable. >> on that note, if you are planning on being outside this holiday weekend, you want to protect your skin. but there are 8,000 sunscreens on the market and everything from lotions to sprays. all with various levels of spray and ingredients. and so what should you be looking for. consumer reports put 65 brands to the test to see if they lived up to the advertised sun protection level. joining us to talk about the reports is trisha calvo. she's with consumer reports. thanks for being here. >> thank you. >> how many different sunscreens

did you test and what did you find. >> we did 65 sunscreens with sticks and lotions and they all had a claimed spf over 30 and 43% did not meet the claim. >> by a little bit or a long shot. >> some of them just by a little bit but some of them missed it by a long shot. >> was there a difference between the spray and the lotion and the sticks, is there one that is more effective? >> no, we really had good and poor scoring in all of those categories. and even across brands, you can't say oh, this brand is particularly good. >> that was my next question. is there a brand that is particularly bad? >> no. really, we had sunscreens from some brands that did very well and some that did not do well. >> what is a consumer to do in a situation like that. what scored at the top of the list. >> the ones at the top of the list are the laroche posse. >> i've seen that in the drug store. >> spf 60. and then this pure sun defense which you could tell by the

animated characters -- >> it is designed for kids. >> right. but there is no reason a adult can't use it and vice versa. and the trader joe's spray got a perfect score of 100 on the test. and this banana boat sun comfort spf 50 was the number two spray. >> and in terms of what people are trying to put together, if you are looking at this and you see a few great brands, fantastic, but i can't find the ones you are talking about, what should i look for on the labels? >> we had four years of sunscreen data and we came to the conclusion you should look for a sunscreen with an spf of 40 or higher with kplal active -- chemical active ingredients with the best chance of getting an spf 30 which is the minimum recommend. >> what does spf mean any way, 30, 40, 50. >> it is sun protection factor. so it is amount of time that you could stay in the sun without burning, depending on your skin. but every sunscreen, no matter what spf, still needs to be

applied every two hours. >> after that point it is not that effective and the rays will get through and get you? >> yeah, you really do need to just keep reapplying every two hours and immediately when you get out of the water. >> and you mentioned the chemicals like at benzene, i think i'm allergic to that. i had a reaction and my doctor told me just to use zinc oxide in it. >> theree allergic reactions but what we found in our tests is the sunscreens with just zinc oxide or titanium dioxide did not perform as well. >> how much worse? >> well 58% of the sunscreens with chemical ingredients met the spf claims compared to 26% with minimal ingredients. >> what about the marketing on the labels that said broad spectrum. is that meaningful? >> it is very meaningful and you do want a broad spectrum sunscreen because that will protect you against the sun raies that cause burning and the sun raies that contribute to sun

cancer and aging of the skin. >> and what was the response from the brands that failed and consumer reports called them out. >> they said they disagreed with the test results but we do comparative testing and we found a number of sunscreens that did very well on the test and some that did not do as well. >> trisha, thank you very much. >> thank you, appreciate it. now here is a look at what is making news as we head into the new week "on the money." the stocks finish the first half of the year with a bang and the dow climbing 300 points and the two day of 200 plus point gains. and the s&p and nasdaq up rebounding from the brexit fears. stocks continued to rise on friday. america's economy grew slighter faster than thought. the gross domestic product shows an increase of 1.1% but business investment fell from the previous quarter and consumer spending was slow.

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vote as an examet of how world events could take a toll on your retirement savings. y for everyone, especially those not far away from retirement. sharon epperson joins us now with more on this whole phenomenon. sharon. >> well, becky, for people who are five to ten years away from retiring, it could be especially vulnerable for them. because unlike younger workers, they don't have several decades to recover the money lost when stocks take a big fall. and if you are nearing retirement, it may be time to think about making changes that will protect your nest egg. >> 63-year-old michelle jeggy has plan planning for retirement, putting her money into stocks for decade. >> i've been a big investor. that is the way to grow. it is a rocky road, but that is the way to grow. >> now jeggy, who runs her own insurance business in suburban new jersey, is in the danger zone. the last five to ten years before retirement could make or break your financial future, especially if you leave your

hard-earned money exposed to too much risk. >> i've always invested at least 30% of my money, if not more. >> but an unexpected financial crisis could wreak havoc on investments. think about 2008 when the average u.s. worker lost about 24% of the balance in their 401(k) account. even in better times, market volatility always unpredictable could seriously damage your nest egg. jeggy is working closely with a financial adviser to mak changes to keep her money safe. >> putting your retirement plan in place mean making sure that clients will have a successful financial plan in good average and in poor markets. so essentially if we have a financial plan working in all of those environments, we have taken the market out of the equation. >>ping up to retirement, they agree it is important for investors to diversify assets. minimize the tax impact. and maximize social security

benefits. >> the dollars at stake between delaying social security to age 70 and accepting it at age 62 could add up to hundreds of thousands of dollars in additional benefits. >> working longer may help jeggy avoid getting trapped by the danger zone. >> if i still love what i'm doing and able to do it, i can see myself working to 70. >> now not everyone wants to work until they are 70. but the good news is you may not have to. by planning ahead and saving money and making investment decisions that you are comfortae with, you should be in control of your retirement regardless of what happens in the financial markets, becky. >> so sharon, let's say somebody in your 40s, as you move toward your 60s, how should you change your retirement investments and split things up? >> when you are in your 40s, a lot of competing priorities, your family priorities and things that you have to pay for. but you still need to be in the stock market because you have a long time left before retirement and t. rowe price came up with numbers saying they believe 80% to 100% of your portfolio should

be in stocks over 40s. when you are in your 50s, then add some bonds and some cash to your portfolio. but you still want to have 80% or so of your money in the stock market. >> particularly when you are looking at low interest rates. you are not going to be able to save money money through the retirement if you are earning 1%, 2%, 3% on your savings. so even in your 60s you have to have perhaps the majority of your retirement portfolio in stocks because you could be in retirement for decade, two decades. >> but that is different than what we used to tell people. >> it is absolutely different but people are living longer. so if you figure that you retire at 65 or a 70, you may be retired for ten years or so but that is still an amount of time that you need that money to grow. >> and people are living longer and that is a big part of it, too. >> exactly. and when you look at what has happened historically over the last several decades, the amount of money that you will -- the amount of time and -- it takes for your money to grow in the amount it can grow is quite significant.

over 200% return for the s&p 500 over the last 20 years. so you are going to want to have your money in the stock market your stocks or 401(k) every day, every week, every month or even every quarter and live with some of the volatility that will pay off in the long run. >> absolutely. make sure it meets your financial goals on an annual basis but really looking at it every week or every month or every time, because there are a lot more world events that will royal the markets over our lifetime. and if you look at it every time and make changes every time, that is not the way to do it. >> sharon, thank you. up next, we're on the money. the summer cheaper air fairs to europe could mean lower prices here in the united states. why, you ask? well, we have the answer. and later, the trip of a lifetime. meet the couple who quit their jobs to take a year-long adventure. this is not a retirement plan, this is a (war drums beating)

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paying a high cost for last week's brexit vote but it could mean a low cost vacation for you. could england fit in your budget this year. the travel and leisure director, sara, thanks for being here. we've seen the pound plummet and that means it is cheaper for us to go to europe. is it a good time to be in london or headed toward london. >> it is a great time to be in london. if you are there now and last week you saw things get 15% cheaper overnight. >> that is great. >> and your hotel stay and your restaurant and museum admissions and everything. >> so are the prices low enough that an average american thought that they couldn't afford it they could get in the door at this point? >> maybe. even though the currency changes have an effect on the places on the ground, they haven't necessarily hit the airfares yet. so your airfares didn't just drop 15%, unfortunately. and hotel prices, too, some of them might be changing. but it is not like they are discounting them across the

board additionally. >> it is not like you will see a 50% cut in any of the prices? >> well, i mean -- you never know what will happen. that said, airfares are a lot lower than they were a couple of years ago. >> why? >> so you could get to europe -- a couple of reasons is the low-cost airlines going transatlantic and they are bringing down the costs tremendously. a couple of years ago you might have paid $1,200 and now it is about $500 or $600. >> that is the same as flying to california. >> britain does send more tourists here more than canada and mexico, is there a chance fewer britains are coming here and spending dollars. >> absolutely. and it just got much more expensive for brits to come here. so we might see a dip in visits to places like new york and miami and chicago. and that then might mean that prices come down, which is good for domestic tourists who want to visit those places. >> that is a good point. now if i'm thinking like a trader, i'm starting to wonder

what the best way to arbitrate this, should i put it on cash or card or what is the best way for the deferential. >> that is a good question. if i knew where currency were going to go, i wouldn't be doing this. >> we would all be richer somewhere else. >> exactly. that said there is some strategies that you could use. if you think that the pound is going to go bag up and you are planning a trip, you might think about buying your currency now, before you go. you need to factor in fees. because fees that you might pay could cancel out of the savings you would get. cash when you are traveling overseas is to use your atm from a bank that won't charge you extra fees or to use a credit card which also doesn't charge you foreign exchange fee. >> so don't necessarily stop at the currency exchange in the airport. >> that is probably the most expensive place to change money. it is not a bad ideas if you need a few dollars for the taxi or the subway, do it, but i won't change all of your money for a trip there. >> sara, thank you very much.

thank you. up next, "on the money," a look at the news from the week ahead and from creepy and crawly creatures and really big animals. a thrills of visiting all of the >> it definitely comes with challenges being in the great >> you wished upon it all year. and now it is finally here. the mercedes benz benz summer event is back. with incredible offers on the mercedes benz you've always longed for. but hurry, these shooting stars drive by fast. lease the gle for $579 a month at your local mercedes benz dealer. mercedes benz, the best or nothing. >> inspired by a true stella art ois story. >> wake up sebastian.

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for more on our show and our guest go to our website at cnbc.com and follow us on twitter at "on the money." here are the stories coming up that may impact your money this week. monday is inde day. banks and markets are closed for the fourth of july holiday. enjoy the fireworks, everybody. on tuesday we'll be getting information on the services sector of th with the nonmanufacturing index. and tuesday is the birthday of the bikini. the two-piece was introduced in paris back in 1946. on wednesday, the federal open market committee will release the minutes from the last meeting almost as exciting as bikinis. and on friday, the labor department released the jobs and unemployment rate for the month of june. the national parks turn 100 this year and celebrate the centennial. in order to celebrate along with them, a young married couple from missouri decided to quit their job and visit all 59 parks all in one year. i recently asked cole and elizabeth donaldson what

inspired them to hit the road and do this now while they are still in their 20s. >> we were talking about bucket list items and i told elizabeth i would love to visit the national parks. >> at the same time, i had only been to one national park in my life so we kind of together -- we figured that sounds perfect. >> we just realized that going to them all throughout our lives would take a lot of effort. but if we did it actually -- liz suggested one year. >> all in one year. >> and that sounded like the perfect opportunity. >> so you two have now made it threw 51 of the 59 national parks. what is the highlights and what is the low-light and your favorite part and what surprised you most and is there anything that you wish you hadn't done? >> yeah. the answer to all of that is yes. one of the big highlights for me was our trip through the grand canyon we did backpacking and we went rim to rim to rim.

>> about 52 miles. >> it was obviously a natural highlight, just seeing all of that, it was incredible. but it was a huge accomplishment for us, too. so that was exciting. >> another thing that we really love is finding parks that nobody talks about. so a few of those, great basin was an amazing one in nevada. capital reef, in utah. >> up in utah. >> big bend. in texas. and some of these -- not smaller in size but smaller in popularity, some of those parks had just blown us away. >> and what have you not liked? >> we had an air pad that was deflating every night so we switched off and every night one of us would end up on the ground. so that made for some cranky mornings and in everglades we had to run to -- back and forth to our car when we were cooking dinner because the mosquitos were just horrendous. so it definitely comes with some challenges being in the great

outdoors. but you're up at night with nobody around you in the middle of the desert in big bend and you look up at the stars and it just blows you away. >> so how are you two affording this? how much does the year cost and how were you able to pay for it all? >> we started saving money a year and a half out. and took second jobs -- i drove for uber, elizabeth -- >> i sold furniture and i painted furniture and i sold things on fc, just saving money and we were able to save about $25,000. >> and our budget for trip was $20,000 so a little wiggle room. >> how come you didn't just buy an extra air mattress if you had wiggle room. >> well the funny thing with that is we had expensive backpacking air mattresses. >> they were nice ones that leaked. >> and then we bought a $7 air mattress from walmart and that is what has saved our sleep the last -- >> and your marriage. >> -- six months.

>> way better. >> yes. >> and our marriage, yes. >> and so when y guys go back and when you finish things up, what is your life going to look like. >> we are actually both going back to school. coal is going to be in an mba program and i'm taking design classes. what we learned is that we can design our lives how we want them to be and we don't have to be stuck in -- in, you know, 9:00 to 5:00 jobs that we are not passionate about. >> we want the freedom to pursue our passions and do a little more travel every now and then. but we are looking forward to the comforts of home, too. >> definitely. >> i can't say i blame you but it does sound like an amazing year. cole and elizabeth, thank you for joining us. >> thank you. >> our pleasure. >> that is the show for today. i'm becky quick. thank you so much for joining us and have a great holiday, everybody. next week, tips for moms on how to raise your family today while still building wealth for the future. each week keep it right here. we're "on the money."

have a great one and we'll see you next weekend.

fireworks explode over the delaware river as it shifts into high gear. much more to come as the wawa celebration continues today and tomorrow in philadelphia. we're live with a preview of the festivities. we're also keeping an eye on the weather this holiday weekend. beautiful skyline. the clouds are moving in, though, into our region. showers are on the way. timing of that weather, just ahead in the first alert neighborhood forecast. we expect to learn more ou