north jersey federal credit union kim cole education outreach coordinator at novadebt and finally bill klinger associate professor of business at raritan valley community college i want to thank all of you for joining us we have to get our finances under control do we not? by the way throughout this program you're gonna see some very important websites that will help you get your finances under control. by the way how many americans do you think watching this show at least on the east coast watching us what percentage do you think do not have their finances under control? what do you think? i would say quite a few i don't know the exactly what that percentage... do you think it's close to half of people watching our segment? more than half no yeah i think so you think more than half the people watching are saying terry our floor manager you agree with me? 20 years you're going like this cause you're included i know and you're saying yes you think most people watching are saying i don't have my finances under control? absolutely because? well with the economy i mean i think with the downturn in