laura riley is a yahoo finance columnist and the author of "money and happiness" and has helpful tips. thank you for being here. >> thank you. >> let's start off with the first things you need to know before you decide to take on extra work. >> the first thing is to think about does it violate your employer's policy? >> right. >> you don't want to jeapordize the first job for the second job. secondly, what is the financial impact? will have you to pay to commute? will have you to pay for daycare? what's the tax implication? will it push you into a higher tax bracket and air not making as much as you thought? finally, are you going to have to pay for any equipment? there are some legitimate call centers where you can work at home and take calls but you have to have a designated land line for $25 or $30 a month so you have to work five or six hours just to pay for your equipment. >> also it can impact your quality of life of course. when you look for moonlighting positions are we talking about bartending or restaurant hostess or waitress? are there other opportunities? >> it really runs

shoppers will have to spend come december.laura rowley writes the money & happiness column at yahoo finance. even before the back-to-school stopping season is completed retail have already put in motion holiday plans and serous toys r ross and kmart are just a trio of big retailers that have already launched holiday sales in july believe it or not let's talk about holiday spending she believe we're talking about holiday spending already been so much rests when the december appetite for consumers especially given this economy. for consumers going to be approaching spending capa's come december? " that's interesting there's a new survey from killed in research and found about three-quarters of consumers say they're gonna approached holidays differently because of the downturn in the economy to 60 percent said their own spin last half our on-out more affordable stores and half are going to save the money in advance rather than the last minute shopping for putting it be on a credit card ec consumers already thinking about how their been approached the season. the sense however as you write your

it's the dominant play in yahoo finance. i like carol barts as a person, but she hasn't delivered yet. i i'm on the fence. i'm going to jerry in florida. >> caller: cramer! i'm still alive and singing boo-yah! >> i had you after dinner. it's pretty good. i want to get the chunky monkey, but i had you instead. >> caller: i like the pistachio and the cherry garcia, but i'll take the chunky monkey. >> we'll break some bread together. >> caller: there you go. tell me about pfg. >> they are out of the woods. they were bailed out, as was lincoln national, as was hartford. i was not inclined to like them, but the stock market bailed them out. they have raised money and as far as i'm concerned, i don't want to buy it. i know we'll want to sell it. maybe that's more important. and, of course, now the "lightning round" is over.at of independent investors? let's ask. when i trade, i want a straightforward price. they lure you in with a $5.99 trade, then charge you 15 bucks. you get a low price, but only if you make a ton of trades. at

[lauter] and i actually like it that way because i will read a story on yahoo! financeand it will have 500 comments and 497 of them will be totally idiotic where the comments on my blog are mostly pretty smart. i engaged with them and we argue ba and forth. i guess the interesting thing is a lot of questioning since last fall are we going about this financial rescuend financial deregulation the right way and i don't ow what the answer is. i get a lot of -- why would say mo of the pushback i get is from people who think we are being o kind to wall street but i have no idea if that is representative. it might juste the people who read my blog or time of calm. i love the feedback because it forces me to be clearer. sometimes it corrects mistak and sometimes it forces me to be more clear in my arguments but i have no idea if it represents anything more than ten or 15 comments on my block. [lghter] on the subject of feedbac can you also talk about the feedback you are getting from economists to your book and the general public to the book? >> i started in the last couple of