>> good evening thanks for joining us for this fox 29 cashing special i'm iain page. >> i'm lucy no land. >> tonight ... we're going to help get you on the right financial track for the future. >> i'm sure many of us feel overworked these days. >> the average worker now putting in close to 50-hours a week. >> dan roccato shows you how to make sure you're getting the money you deserve. >> this is done ricot o is your 9:00 to 5:00 turning into 8:00 to 6:00 you are not alone. average workweek now for a full-time employee is 47 hours. and if you are thinking you might be eligible for overtime the rules are pretty confusing. in fact, they are as clear as a politician's answer. let me fill you in: first thing you need to understand

when are an exempt employee or non-exempt. exempt employees as the name employees don't qualify for overtime they tend to be salary type john. non-exempt tend to be those jobs on the clock that means you are eligible for overtime after 40 hours, and at that point you are getting time and a half in pay. scoop down tour human resource department and make sure your job is properly classified. you may find you you are in a non-exempt job and should be an exempt job or vice verse a for lot of good information visit www dot dol.com department of labor all of the rules and regulations are right there so you can see if you qualify for overtime our not. head up rules will change in the next couple weeks. if you are not qualified now you you may soon be. >> i'm a huge believer that all work is good work. i want to make sure you are paid what you are supposed to be paid instead of living a life of service. i got to go now i've got a lot of work to do.

>> so >> so what if you're not putting in any of those hours? >> how do you land that dream job? >> dan shows us how to turn that resume ... into a paycheck. >> you know spring is a great time to turn one of these a resume into one of these a paycheck. when are a recent grad or a teen looking for your summer job i will give you a few tips on how to get started early and how to nail that job. first, for you teens, start early, as in right now. today. most employers want to get their summer help lined up well before memorial day. and, forget the mall, head to a golf course. supermarket. we will look for those non-traditional places where other teens are not applying. maybe you good are at latin or math you ever think of tutoring other students this sum? could be a way to make some cash a. to make yourself more marketable get a certification, call your local ymca today and ask about a life guard certification or a baby-sitting certification. a great way to add tour resume and they love that stuff. for your recent grads, looking

to go from the dorm room to the board room now is time to put those social media skills to good use. create a professional profile on line on linkedin. put a professional picture on there as well. oh by the the way do you remember that fraternity party the one where you are laying face down in the puddle of beer? now is good time to take that off have of facebook. don't forget most jobs are found through networking. i don't have a network. sure you do. former coaches former teachers, even folks in the gym. everybody that is part of your social network can become part have of your professional network. now is time to reach out to them. when plan to flip burgers or joining the corporate board room now is time to nail down that 9:00 to 5:00. trust me nothing is better than cashing that first paycheck. >> it looks sweet too. >> if you're looking for a little extra spending money ... check around your house. >> dan shows how to turn that unwanted junk ... into cold hard cash.

>> just do a little spring cleaning. you need motivation to get your spring cleaning done and get rid of the clutter in well, how about this, a few extra in your purse. let me tell you how to turn your unneeded stuff into some much needed cash. >> ♪ >> first say you have several rooms or household full of goods, consider an estate sale. check out www dot estate.net, and you'll find some information about local companies in your area that can get rid of the whole bunch of stuff real quick. you will pay a commission up to 40 percent but might be worth it. next up, consider having an auction at the especially good if you have big ticket items like antique or art. not your velvet elvis collection but real art like a picasso. check out auctioneers.org, for local auction companies in your area. you'll pay a commission up to 25 percent, but it may be a good way to get the biggest

buck for your big items. if you don't mind doing work yourself consider e bay or craigs list. with e bay you will pay a 10 percent commission but they will help you find a buyers don't to have deal with them, cash goes directly in your bank account. really simple. with craigs list, you have to do more work yourself. you might wind up negotiating with some buyers over your howard eskin football in your driveway, at night and they might be sketchy too. be careful with that. finally the easiest way to get value is to donate to it charity. we do all the time at home. some charities even come to your front door. but make sure it is legitimate charity, make sure you get a receipt. there you have it, four easy ways to get that clutter out of your life do spring cleaning and put much needed cash into your pocket. >> sorry, howard. >> with the weather warming up ... it's time to start doing some work around the house. >> but what projects are really worth the investment? >> and maybe you're looking at a short term loan to pay for those improvements.

>> why dan says you want to avoid those types of loans at all costs!

>> the weather is perfect for work around the house. >> and maybe you're eyeing a big improvement project. >> dan roccato shows us tonight ... which projects have the best payoff. >> hi, abe spring has sprung and if you are like me you have a long list of home improvement, and short budget. before you start swinging one of these and spending a bunch of these let me give you a few tips on those improvement that might pay off and some that won't. according to remodeling magazine that home office thaw are thinking of building, skip it, you will get back 42 cents for every dollar you spend. and might sound good to have coffee in your sun room, watching the sunrise in the morning, but an average $81,000 for a sun room addition and only 44 percent back when you sell your home that is a lot of cash for a latte. sorry guys, you know that man cave you want to put your underground basement bunker, skip it, it will return 55 cents on the dollar when you go to sell the home. large screen in the garage, throw a keg in there it is cheaper. whatever home improvement that do add value. you should have been a

plumber. kitchen remodel bathroom remodel returns 55 cents on the dollar and plane old replacement the windows, 70 cents on the dollar. no matter what improvement you are doing this spring here are a few tips to get the the most bang for your buck. first set a budget and don't over improve your home. last thing you want is best home in your neighborhood. next up check out social media sites like angie's list.com and home advisor.com. you can check out the contractors, before they send some sketchy people out to your house. check out remodeling dot hw.net for a list of improvements you can make the cost of those improvement and the spec pay off for each one of them. for a quick and easy improvement to your crib that won't cost your first born, go with paint won't cost you too much and improve value have of your home. you can have have your kids do it the for you while you sit the by the pool, enjoy an adult beverage. that is smart. >> great idea. >> so tax day ... was a month ago. >> but what do you do with all

of that paperwork? >> tonight, dan shows us a good rule of thumb on how long you need to hold on to it. >> last night i was shredded no, not that kind, this kind. the last night i was cleaning out all of those old financial documents and i will help you figure out what to keep, how long to keep it, and then how to get rid of it. first up, the irs can audit you in most cases up to three years but there are special cases where they can go back six years. play it safe, keep those tax returns for six years at least. and how about those pay stubs for your 9:00 to 5:00. keep them for a year, compare them to your year end tax summary you get from your employer. if all of the numbers look good, go a ahead and toss them. for those big items you by, computers, tv's, jewelry, keep receipts as long as you have the item. the here's why. if there is a theft loss or damage having the original receipt will help you, process your insurance claim. here's a few tips to help you shrink that stack of paper that is taking over your sock

drawer and, keeping your financial 411, safe and sound. the first think about investing in the scanner to electronically score your documents up in the cloud. check out drop box.com and easy to use inexpensive internet storage company. next up, make sure you don't throw anything in the trash that has personal information or an account statements on it. the last thing you want is some dumpster diving creep to steel your identity. buy a shredder they are less than a hundred bucks . finally for those documents you intend to keep for a long time maybe forever like your marriage certificate how about using a safe or safe deposit box at your local bank. might be worth the investment. so go ahead with a little bit of effort you can protect your financial 411 and reclaim your sock drawer from that mountain of paper that is taking over. let's do this. lets he get shredding. >> and is an error on your credit report costing you big bucks? >> how that credit score ... could be impacting your job.

>> our credit score is used for everything these days. >> but did you know that employers are also taking a close look at your score. >> dan roccato shows us a few ways to drive that score up. >> everyone knows thaw need a credit score to get one of these but did you know you

need a credit score to get one of these: a job. that is because up to half of all employers are now checking your credit score before sending your offer letter. according to the society of human resource managers. well here's the deal, 25 million americans don't have a credit score. and if you are one of the 28 million americans that has a score but it may be wrong because your credit file is so thin. well i'm here to tell you rules are changing and here's how to run up your score so you can take advantage of the new methodology. here's what is going on. company that calculates your credit score fair isaac company will start including things like your cell phone bill, your cable tv bill your electric company bill, all of those things that normally pay through the course of the year, will be included in your credit history and that, in tern, may help a lot of new folks qualify for a score and help some folks with a marginal score qualify for a better score. first i want to you see if you have a score and if you

do, what that score is. you can do that easier by checking out a web site credit karma.com, it is free, simple. next up call your cell phone company, your electric company, and your cable tv company, any company that you pay regular bills to, give them a call ask them to send your payment history to the credit reporting agencies. that is important, so they can factor that into the new methods to calculate your new score. finally check out the a web site called better money habits.com. it is free. it has lots of tips for how to get a credit score and how to boost your score. whether you know it or not your credit score is a key part of your financial life. now it is up to you to get a score and run that score up. >> short term loans ... a quick way to get money in a pinch. >> but as dan shows us tonight ... those loans come with a giant red flag. >> you get the feeling their bills are the the size of wyoming burr you checkbook is side of the rhode island?

you are not alone. we have been there. it is called a financial jam. there are two types of loans that i want you to avoid though. let me tell you why. first of these loans is a a payday loan basically you are borrowing against your next paycheck. next up you have your car title loan using the the car as collateral for the loan. you've got to be careful because these loans are like putting new carpet in your house while it is on fire. in fact, according to the recent study by pew research an associate they found interest rates can be as high as 300 percent. that is higher than billy penn's hat. in the case of the car title loan you miss a payment, you are walking to work. not good. here's a few tips to get you through a short term cash crunch. pump that emergency savings, cancel magazine subscription, put your pet gold fish up for adoption, whatever it takes throw some money in that emergency fun. next up call your bank and see if they will put overdraft on your checking account you will pay interest but it will be a lot less those other type of

loans. check out www dot consume are finance dot gov a web site with lots of good information about your rights, and the perils of these short term loans. >> look, goal, to make sure you don't get caught in a spiral of short term debt but what we are trying to do is get you off of that vicious cycle of debt and put you on a virtual circle of prosperity . >> that sound good. >> are you doing something you love? >> do you have a hobby ... that could become a career? >> tonight, dan shows us how you can take that passion ... and turn it into a paycheck. >> ♪ >> here we go. >> hi this is dann, do you have a dream have of turning your passion, into a paycheck? maybe you are a photographer, restoring old cars. maybe you can bake cup cakes out of this world. but before we trade in your 9:00 to 5:00 let me tell you a few things. you know that 22 million people own and operate their own businesses and more than half of them are operated right from home, home based

businesses. so setting up a business, is actually pretty easy but staying in business well that is no cake walk. so with a few tips from me and a lot of hard work for you, we will make your dream come true. >> say what. >> first treat your own personal brand more than ever before be part of the something bigger. they don't want to be another cash register receipt. use facebook, twitter, create a blog do whatever it takes to create those personal connections, to your customers. next up it is all fashion but it still works. give away free samples. i know two sisters who started giving away homemade rice pudding at farmers market. now they are selling buckets of the stuff. good idea. finally run your business like a business. start with three simple questions. who are you selling too? what are you selling to them. how will you make money selling it. you can answer those questions you will be cooking with cash. so stop dreaming, get your apron on turn heat up in the oven and let's turn your passion, into profits.

that is pretty sweet. >> it's college graduation time. >> but what about those students ... who are just beginning their college career. >> how they can save some cash ... befo

as years combo by it does not get any cheaper but you don't to have break a bank to get a degree. dann shows south smart financial moves to help pay your way.

>> hi thinks dann, and congratulations, you have been accepted. to college that is. now you have to figure out how to pay for it. well the good news is colleges are required to send out two additional letters, cost of attendance and the the estimated family contributions letter. cost of attendance will have tuition room board, personal items. well maybe not that personal. estimated family contributions is your road map on how you will pay for college. let me give you a few tips to make this an easier process. first, make hure you sign up for aids, grants, scholarships, for free, like getting a discount off the rack rate. watch those deadlines though. next up looking for student loans go to www dot student loans dot gov to check out different types in general federal student loans are a better deal then private student loans but be careful on the student loans, you don't want to be a servant the rest of your life. you have questions or if you have circumstances or

circumstances change visit your financial aid office. they will get paid to help you figure out how to pay for college so they can get paid it is all connected. finally, never touch your retirement account to pay for college. eat cat food, live with your in-laws, sell blood, do whatever you have to do but don't touch that retirement plan. remember you can bureau for college you cannot bureau for retirement. so there you have it little effort on your part and little planning and paying one of these doesn't have to have cost a boat load of these. >> speaking of college ... no doubt students will do a lot of reading. >> but there's one report ... we all need to be looking at. >> our credit report! >> what kind of books do you like to read, classic westerns. i like to read credit reports. geek yeah. guilty a as charge. but here's why you should read your credit report too. you see the credit report that you have, unique to you and generates two things a

credit score which also then generates the price that you will pay for credit. interest. let me give you an example. if you have a $10,000 car loan and you have good credit over four years that car loan will cost you about $800 in interest. but if your credit is not so good you may pay double that and why? because you have an error on your credit report and study recently suggested that up to 20 percent of us have an error on our credit report. so here's a few tips to make sure credit credit report is accurate. first go to annual credit report.com where you can get your free credit report, once a year. next up go through credit report make sure there is no questionable president wrist or out right errors. if there are, call the credit agency immediately, let them start investigating. finally make sure you put all correspondence in writing, i have been through this a few times and it will require a little back and forth to get those errors or questionable items off of your report.

>> so while you may fine reading 50 shade of gray is exciting i guarantee, that reading your credit report, will be 50 shades of green, or enriching. >> that does it for your fox 29 "cashing in" special. >> you can find more on "cashing" on our website ... my fox philly dot com. >> just click on the "fox 29 weekend" section. >> have a great night!

dear fellow citizen, i know what it's like to grow up without a whole lot of money. and how much it matters to save. i try to teach that to my daughter. i'm saving for a house and i don't want my money to go to bank fees. i'm sure you don't either. so ask me about one deposit checking. next time you have a question about avoiding fees, ask me. sincerely, samantha parke fellow mom and fellow citizen.

>> today on "tmz" -- harvey: there are more people injured in u2 than the lakers. the edge just took a fall that was brutal. >> the audience was like -- and it's all quiet for a second. then bono keeps on going. anthony: jennifer lopez out in l.a. harvey: she's going to be in vegas. >> did you hear about mariah? she called in sick. harvey: is there a little competitiveness there? brian: jennifer lopez is better than mariah carey, agree? harvey: in terms of a singer there's no question mariah wins. >> jennifer lopez is a triple threat. darren: she acts, she sings she dances and she's a really nice person? brian: bill cosby did a sit-down interview. she says -- are you concerned the allegations will overshadow your me