hi, everyone. welcome to "on the money." i'm sharon epperson i i for becky quick. girl power. from building a robot to learning to code. how one program is briing the digital divide. if your closets are stuffed but your wallet's too thin, a secondhand new way to put cash pocket. the pta fund-raiser that turned into a full-time business. one mom's barn to table success story. your cash machine is getting smarter. why you won't need that atm card soon. if you're sick of the cold and gray skies we've got some sunny destinations and budget travel bargains. "on the money" starts right now. >> this is "on the money." your money, your life, your future. jobs at top tech companies are overwhelmingly held by white males.

to break that glass ceiling. black girls ce is a young project reaching young african-american girls and showing them coding and computers can be fun. together t ty're working on cracking the code and it's our "cover story" this week. >> i have no interest in doing this. i thought it was boring at first. when i actually started doing it -- >> reporter: 11-year-old madison harvey is one of 300 girls learning how to build a robot at this weekend workshop. it's put on by black girls code, a nonprofit aiming to bridge the gap in stem education for young girls of color. >> she's excited about science and math and engineering. and what other opportunity for her to be around o oer girls that look just like her -- >> couldn't this one goo here? >> many of these girls don't have role models in engineering or computer science. black women make up less than 3% of the workforce at the biggest tech companies. kimberly bryant, electrical engineer who worked in biotech over 20 years, understand their

>> i was one of maybe two or three students of color in my electrical engineering class when i went to college. >> reporter: bryant founded black girls code with hopes of literally changing the face of technology. >> when we generally think of a computer scientist now, it does not look like a woman of color. it's very much white, m me dominant. and that's important for us to show that black girls can code. >> most black girls aren't into computers and stuff. but it's really cool and fun. >> reporter: black girls code held its first event four years ago in san francisco with eight girls. today the none profit has chapters in eight u.s. cities and johannesburg, south africa, with plans to expand to dallas and miami this year. it's funded through corporate sponsors and partnerships, donations and a $35 fee to attend workshops which can be waived in some cases. stararng in 2011, black girls

about 5,000 girls ages 7 to 17. they're learning everything from computer programming to coding to building mobile applications and even robotics. many of these girls bont just come to one black girls code workshop. madison is here for the second time. >> interacting with people, it's like i enjoy this. >> reporter: the organization, though still young, is already achieving its intended impact. >> we're seeing girls that have come into our program really sound, they have a love of technology and use that to go into computer science as a major in college. >> reporter: madison may just follow that same path. >> it's like a door opened for me so it's a possibility that i might wt to do this. >> ava is president and ceo concepts group of international and on olivia is just 14 but active in black girls code for three years.

i had a great time in berkeley talking to these girls and learning about black girls code. what progress has been made and what obstacles are there still to overcome? >> those obstacles are typicly an unwelcome environment or even hostile environment because if you remember that these corporate cultures we built by men, for men. and so a lot of the times there's unconscious bias at work which prevents women from really feeling as if their contributions are valued and that they that's right so they wind up leaving. >> eve seen a drop-off in terms of women majoring in computer science. why have we s sn this dropoff? >> the image of computer scientist is not something that girls aspire to be. if you put up pictures of what does a computer scientist or engineer look like? it doesn't look like me or olivia. >> olivia, you see yoursrsf as going into technology, maybe computer science. what got you interested in this

>> i started learning how to code when i was around 11. my brother brought home this book on html and wouldn't let me see it because i w young, he was worried my 11-year-old fingers would get it messed up. he told me this pretty much change the my life, he told me to google it. and i was like, oh, okay. you're going to be rude to me, wow, okay. first i learned html and css and i was able to make my own web pages but i wanted to do a little bit more. i end up moving away from web pages and going into making software and games. video games. for young girls who are interested in computer science, it was very easy to sort of lose that spark unless youou care for it, right? a lot of times -- >> you have to care for it within yourself or there's no one that you're seeing -- is theree role model that's telling you to do this? no, it's coming from you. >> when you have teachers that don't really push you or people ar't encouraging you to do this, then it's really important

computer science and you remember that even though there's no one around you saying that you can do it, you can do it. >> right now in the corporate culture a lot of the people that are comingnto these technology jobs, they may be foreign workers, they may be international candidates that are coming in. how much is being he grown of our own talent? >> not enough. i understand the importing of talent because american companies are creating so many w tech jobs that it's difficult to fill them because thee pipeline is basically empty. >> owe life yeah, 10, 15 years om now when you've graduated from college with your computer science degree, where are you going to ? >> at my company. >> we need her at our company, we need technology in all companies. >> it's going to be a war. >> where do you see yourself? >> i'm definitely passionate about learning about computer science and mathematics. and i would probablyy aim to get

but i would definitely be continuing to work on my own technology projects on the side. i would definitely probably continue that as well. >> you are both an inspiration. olivia, avis, thank you so much for joining us. >> thank you. >> now here's a look at what's making news as we head into a new week "on theemoney." she may not look it but janet yellen and other members of the federal reserve were worried about global and market volatility. minutes from the fed's last meeting in january were released this weekend. they show yellen and others were concerned that the turbulence could impact the u.s. economy. that could mean the chances for another rate hike soon have decreased. the marke seemed to like that. the holiday-shortened week saw stocks with their first three-day winning streak of the year and the best three-day gain since late august. stocks were mixed on friday. if you've flown anywhere lately you may not agree but u.s. airlines are doing a better job of arriving on time than

about 78% of domestic flights kept to schedule, according to the department of transportation. upu from 75% last year. up next, "on the money" looking to make extra cash? look no further than your closet. the big business behind giving secondhand a fresh start. and later, innovation at the atm. how banks may soon be looking deep into your eyes, but it's not true love. as we go to break, a look at how the stock mamaet ended the week. we were born 100 years ago into a new american century. born with a hunger to fly and a passion to build something better. and what an amazing time it's been, decade after decade of innovation, inspiration and wonder.

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you want more. love romance? get lost in every embrace. into sports? follow every pitch, every play and every win. change the way you experien tv with x1 f2om xfinity. with spring just around the corner that means it's time to clean out your closet. and hopefully make some cash in the process. but selling secondhand can be a time-consuming task.

entire process more convenient is thread up. joining us to tell us how it works is a ceo, james rinehart, thanks for joining us. thanks for having me. >> walk me through this process e we got clothes, how does it work? >> super simple. we send you this bag, it's free. >> this bag here. >> that bag. go through your closet, put all the things you're no longer wearing or doesn't fit, leave it on your doorstep. we have partnership with the postal service and fed ex, leave it on the doorstep, we pay you for the things in the bag. >> how do you decide how much my shoes, dress are worth? >> we take almost 25,0000 brands. we've built a catalog of what these things are worth in the retail market. we look at quality, brand, resale value, we pay what you what we think is the fair market price. send us the chanel dress and the sweatshirt from the gap. put it all in the same bag and we can figure out how to best payor foul of a of those things. that's a differentiator for us.

doing this on ebay for 20 years. you have other competitors that are in the space focusg on the luxury end. what makes you stand out? >> i think the people who sell their own things, it's a different type of person. a personho wants to maximize the last penny and is willing to do a lot more work. for thread up, really it's about convenience. it's about taking all of those brands. it's not just lux iury. we take the h and m. that's the differentiator. >> what made you start this business? you were a teacher, helped charter schools, then got into resale. how did that happen? >> i kid you not, ias getting dressed one morning, opened the closet to clothes i never wear. >> lot of people do. i took to it a consignment store. they said, we don't take this detant take my brands, they didn't take men's. i went to schl that day and i asked every woman i could find what percent of the clothes in your closets do you wear?

i had this lightbulb going on, there's got to be a better way. >> you effect does on moms and i have women's clothes. will you take children's, men's clothe sflts. >> kids is a huge part of our business. we love serving moms for themsesees and kids. handbags, shoes. the irony is not lost on me that we don't do men's, but i is because men's is a small market in resale. women's and kids is the sweet spot. >> all right. thank you so much for joining us. >> thank you for having me. >> thread up, thanan. up next, "on the money." from fund-raiser to full-time siness. how one mom's school project turned into a booming farm to table company. and getting sick of winter? then get away. we search the globe for some of the beses vacation deals that

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families just like yours with wills and living trusts. so when you're ready, start with us. doing the right thing has never been easier. legalzoom. legal help is here. it's not often that a school project turns into a full-time jobbnd business. but one mom in chicago is now connececng farms and kitchens. and it's growneyond her wildest dreams. kateogers joins us with more. >> a single mom with a passion for healthy food. she literally started her company, farm logic, at her kitchen tatae, take a look. like many moms wyndham found herself working on a pta fund-raiser fund-raise packing boxes of produce for fends and neighbors from local farms in wisconsin. her project took off with a nearby high school asking to

their cafeteria. and from there farm logics was born. a tech platform connecting farmers toarge institutional kitchens born out of the farm to table movement. >> we all go to restaurants and see the local farms on the menu. that is a wonderful concept that really engages us and allows u to understand where our food comes from. when a chef puts a local farm o the menu it educates us about our food. >> reporter: the chicago-based company has done $8.5 million in sales with more than 200 f fms across the country. pea pod, the online grocery service, and food service giant arrowmark, whi has placed her in more than 1,000 schools nationwide, including the chicago public school district. >> it's helpful for us because consumers are more and more looking for transparency in the food that they buyuy and the food that they eat. and so they want a safe way to understand where and a trustful way to understand where they're

it's being supplied from. . >> reporter: linda estimates they've fed more than 500,000 kids so far in schools and universiti across the country. >> we help farmers and we h%lp them change their lives and be sustainable and viable. but on the other end, their food is going into low-income communities. it's feeding kids. we're bringing farmers into classrooms. >> another cool thing about this small company, they're abobt 80% women. many working moms just like linda. >> great idea. you have a great idea and you start a business for it. how do they actually make money? >> they won't disclose their feesesut it's free for the farmers. farm logics rolls nor costs into the contract they have with big companies like pea pod and arrowmark. what's interesting, the farmers get a lot out of this because they get a free platform on the farm logics website, they get brought into these schools so they can educate kids s out where their food's coming from and why it's important to start eating healthy at a young age. here are stories coming up

earnings from home depot as well as macy's, lowe's, target, hp, weight watchehe. tuesday a read on home values with at s&p case shiller home price index for december. we'll get a report on this month's consumer confidence. thursday brings the durable goods number for january and the latest gop debate takes place in houston host the by cnn and actual la mundo. friday we'll get the second read of the gross domestic product for the fourth quarter. up next, "on the money." high end without the high price tag. we've got a list of amazing travel dealslshat will warm you up and keep your wallet happy. innovation at the atm. forgot your card? no problem. a number. but not every insurance company understands the life behind it. those who have served our nation have earned the very best service in return.

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for more on our show and our guests go to our website, otm.cnbc.com. follow us on twitter twitter @onthemoney. if you're tired of the cold and looking to get away you're in the right place. jamie friedman is the group publisher for travel zoo and has come up with a few great options for us. where are some of the places that we should be looking right now for the best deals? >> the first place i'm going to send you is wine country in sonoma. >> that's good. >> two deals we're going to get you there. the first is we've partnered

an exclusive 10% to20% off discount code@ into san francisco airport. so that means flights from new york, for example, we're seeing about $250 round trip. >> wow. >> coast to coast. whicicis incredible. >> yes. >> pair that with the fairmont sonoma offering deals into may for about 40% off right now. >> where else can we go? abroad? >> costa rica. fares are actually surprisingly low, about $300 round trip across the east coast. pair that withhe jw marriott on the west coast of the country about a three-hour drive across. but it's totally doable, i've done it. a littl bumpy. there's massive savings there, about 40% f. >> sounds lovely. what about hawaii? can you get to hawaii on the cheap? >> what's exciting about maui is virgin america just launched a route from san francisco to maui which means more mpetition, whicic means prices are going to start coming down from the west coast. we're seeing about $495 round trip from san francisco directly

pair that with the grand weileia, beautiful property on the beach. they're offering not only $250 off regular rates, but stay five or more nights and you get a $500 credit on-site. >> if you want to go somewhere exotic can you dothat on the cheap? >> cheap is relative but youan get great value. tahiti is where i would recommend. you think of beautiful overwater bungalows. those are normally dream. a sale where you're spending your six-night vacation in overwater bungalows, includes air from l.a., the puddle jumper flight to ts remote island, and instead of paying $6,000 which is what bite normally cost, it's about $4,800 for two people to take this trip. >> not so bad. if you can splurge it might be worth it. >> yes. >> general money-saving tips looking to travel this time of year? what type of things do you think about? >> when you're boong flights you should always travel tuesday, wednesday, saturdays

dates to fly. >> because everybody wants a long weekend. >> exactly. i love coming back on saturday from vacacaon. something else to think about is maybe a city escape. it's not escing the cold but cities like new york right now have the least expensive time of year to do it. so take the five-star vice roy, normally over $400, they're running rates for $199 right now. >> great tip. thank you for joining us. now i want to go somewhere. >> thanks. if you're planning a trip somewhere, you're going to need cash. how do you get that cash will be changing. no matter where you bank. kayla kayla has more on a bright idea coming soon. >> reporter: smartphones, smart homes, smart watches. now your atm is gettiti smarter too. >> we view this as much broader than a cash dispenser. >> reporter: jpmorgan chase is overhauling its 18,000 atms and soon you won't need a card to use them.

wallet at home, just log into the chase app, find the seven-digit code, typyp it into any chase atm in your vicinity. it's one ofundreds of features brainstormed at the bank's innovation center in columbus, ohio. idea ises like a fingerprint scanner got left on the cutting room floor but others are being put into practice, like the ability to withdraw three timeses more money in more denominations. customers can take out to $3,000 in one-dollar bills if they want. by the end of next year they'll be able to pay mortgage and credit card bills at one of these machines too. >> we do this because customers are asking for this. they want to be able to bank where they want, when they want, how they want. this machine is allowing us the flexibility to do so. >> reporter:r:t's not just chase customers. bank of america's making its machines mobile friendly and citigroup's atms may scan scan your iris for identification. the upgrades over the years have made the machines more popular among customers than visiting a teller and cheaper for the bank

every teller transactiti costs the bank 65 cents. that figure drops to 8 cents at an atm, 3 cents on your mobile device. of course there's also a competitive aspect too. banks don't want to look behind the times and customers want those bells and whistles. the banks have to of course invest to make these changes to their atms. they say it's worth every penny. >> i love doing everything onn my phone with my bank as much as i can. but i always do w wder in the back of my mind, how secure is it? >> the banks will say it's more secure. oftentimes if you do lose your atm card you're frequently also losing your license. many people's pin codes are related to their address or birthday so it's fairly easy for someone to figure out that code and actually access your account. they don't'tike to say that. but it is a little bit more risky than if you were t t use your phone. because you have to log intnt the chase app and then it sends you a unique code to enter into the atm. you need dual authentication for that. that's not something that you

for the biometrics stuff, no one can impersonate your iris, youou fingerprint. so that is something that is very unique just to you. >> i think a lot of people are going to be using it. it's great technology. it makes life simpler. that's the name of the game, what people are after these days. thanks so much. that's the show for today. i'm sharon epperson. thanks so much for joining me. next week becky will be back and we'll take you to the toy fair for the newest, coolers toys kids don't even know they want yet. keep it here, we are "on the money."

weekend.rah gore, and this is open house. sara gore: today we are taking you on a trip around the world to showcase amazing architecture and design. we visit the historic estate in scotland with t ts to a literary legend. you may well know him for fantastic historical novels such as "ivanhoe," "rob roy," or possibly even the words to "ha to the chief." sa gore: and we meet up with the man behind the mega-mansions mansions of los angeles, richard landry. when it came time to do my house at the beach, i wanted the ocean to be the star. [music playing] welcome to open house nyny right now i'm cong to you from a condo duplex with spectacular views of the hudson river. sara gore: this nearly 7,000 square foot palatial pad on the upper we side has it all. a dramatic double-height living room, several terraces, and a large kitchen