please welcome suze orman! [drums, guitar, & keyboard play in bright rhythm] ♪ ♪

suze orman is here with a warning on holiday scams and what tree suze prefers.ountry to combine solar and natural gas at the same location. during the day, we generate as much electricity as we can using solar. at night and when it's cloudy, we use more natural gas. this ensures we can produce clean electricity whenever our customers need it. ♪ we're celebrating the season with our chicken tortellini alfredo, made with five cheeses, and topped with smoked chicken, add a crisp, classic caesar salad for a pairing that brings comfort and joy to your dinner table. only at panera bread. it's the curly hair you tried to fight it. hide it. change it. not anymore. professional strength frizz ease. our powerful spray gives you smooth, frizz-free curls that are ready for anything. frizz ease. only from john frieda. did you get chips for the party? nope. (ding) cheese plate? cheese plate. no, i made something better. you used the oven? boom. pillsbury crescents. make the holidays pop. when you feel good no one is immune. with antioxidants, electrolytes, and b vitamins plus

seasonal scams to watch out for is our good friend, suze orman, host of the suze orman show. >> goodse saying i'm ready to spend money. and the criminals see that. >> they see that because you're more into spending than saving. >> you just purchased something online. now you get a notification to confirm your package delivery. what do you have to watch out for? >> here is what will happen. two things. normally what will also happen, you could come home and see on your door a little tag that says tried to deliver the package. you weren't here. please give us a call. you call them. they ask you for information. you give it to them and, guess what, it's not them. >> what would they ask you for? credit card or social security number? >> prove to me that it's you. if anybody in any situation, whether it's online or not, it's asking you for information. do not give it to them. they should have the information that you need. >> often times this time of the year, and i think this happened to you, you'll get a call from your bank saying we're noticing a lot of activity on your credit card. wh

i'm suze orman, and you are

. >> now on "the suze orman show"... dazed and confused over student loans? >> and they could not be more complicated if you tried. >> suze gives you the rules of the road. plus, a young lawyer worries about a life sentence of debt. >> as of today, i owe $220,000 in student-loan debt. it's just a feeling of complete stress and complete sadness. >> and you ask suze, "can i afford it?" >> our take-home is $7,976 a month combined. our expenses are [sighs] $9,633. >> what? wa-a-a-a-a-a-it a minute.

. >> now on "the suze orman show," gift cards -- the perfect present?ot so fast. >> what a waste of money. >> plus... >> electrical bill, water... >> ...the bills pile up, and so does the guilt. >> a lot of our situation is my fault because i was out of work and i don't earn as much as my wife does, and if i did, things would be a lot easier. >> when you have no self worth, it shows up in your net worth. >> and "can i afford it?" holiday gifts. be careful what you wish for. >> our expenses are $6,375 a month. >> so you spend more than you take in. all right. we're off to a good start. go on.