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i talked to our financial analyst, clyde anderson, about this.told me about seven things that are actually getting less expensive. >> some of the things are in demand, some of the things aren't in demand right now. so one of the things we talked about, ikea is actually reducing some of their prices. >> stuff already pretty cheap. >> still pretty cheap -- >> i shouldn't say cheap, should i? >> affordable. and that's the trend right now. that's what they do and that's the market they're tapping into, because people are staying in their homes longer, so they want to remodel. >> they want nice stuff in their homes. this is a no-brainer, but real estate. >> we've watched it come down in several markets, so we always say real estate is local, but it depends on your market. but you can save $50,000 compared to a couple of years ago on some properties. i always say, america's on sale right now. so you need to tap into it. >> number three, the amazon kindle. we see the commercials for these all the time. they're getting cheaper and cheaper. >> when it fir

our financial analyst clyde anderson is here. we hear all the time, do not do it.the middle class has been impacted by the recession. a lot are taking it out to buy homes. >> a sign of the times. are you telling me people are doing it and this is the case you have to do what you have to do? would you recommend do everything else before you dip into the 401 k? >> you are borrowing at low interest rates. if you have to borrow funds, this is the place you want to borrow from. there are ups and downs, but you have to borrow. >> what are the consequences from borrowing from the 401 k? >> if you do lose your job or quit that job when you take the loan, it becomes an early withdrawal. they will hit you harder if you do that. that is one of the downsides. also recouping to prepare for retirement. >> is there a time where it is better than another? i guess i'm talking about age. is it better to do it when you are younger? >> if you are looking at the time and value of money, younger is better. people are in situations where they need the funds and they have to pool from it.

clyde anderson, do tell. why are some things getting cheaper? is it the market?supply and demand. when some of the things are in demand and some are not. one of the things we talked about, ikea is reducing prices. >> cheap? >> affordable. that is their trend. that is what they do. that is the market they are tapping into because people are staying in their homes longer. >> they want nice stuff. real estate. >> we watched it come down in several markets. we say real estate is local. it depends on the market. you can save $50,000 on properties. i tell people america is on sale. >> america is on sale. who is about to buy us? number three, the amazon kindle. we have seen the commercials. >> they are getting more popular. when they came out in 2007, it came out at $399. you can buy one for $114. they will have some that will roll out after christmas under $100. the prices are coming down. that is becoming more popular. >> does that appeal to people who don't want to spend $700 on an ipad? >> exactly. >> the 3d television. it hasn't taken off. >> it hasn't. you have se

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let's bring in clyde anderson.nnot pay its bills. that could lead to people not paying their bills. which groups are we talking about here? which one could be adversely affected? >> several people. people who several social security income. think about the checks or people that receive checks may not get them in august. that has a trickle down effect. they will not be able to pay their bills. think about the economy. we are talking about going into another recession. if they cannot pay their bills, it will affect their credit and their bills and more fees. it will hurt. >> the president said i don't know if those checks will be able to go out. another group we are talking about. government workers and unemployed. >> first, the government workers. we are talking about a 40% cut. this means a lot more furloughs and keep in mind we have employees that are furloughed. you are talking about the military workers or it could affect any federal government worker. we will see cuts in rail systems, parks closing. we have bee

clyde anderson, thanks so much. appreciate it. plans are going away. how will those new rates affect you? digital lifestyle expert mario armstrong will join us after the break to help you pick the best plan for your lifestyle. >>> just before the break we told you verizon is joining at&t and tmobile by cancelling the unemploymented data plans. it is true. if you text, tweet, videos on phone, you could see your prices go up a lot. mario armstrong is here to save you cash and to calculate the best plan for your lifestyle. mario, as i understand, correct me in i'm wrong, they're charging per gigabyte. i don't know what that means. >> you and most people don't understand what that means. it's technical terms for how we measure data which are absolutely right of a charge by these things called the gigabyte. to help people understand that a little bit, you know, a gigabyte is really 1,000 megabytes. and so this kind of mathematics is almost like a foreign language. i don't know about you but i didn't do that great in matt math class. th

listen no to our financial analyst, clyde anderson. >> times are changing. a lot of people are in situations where you need it. this lets you know where the people are hurting. a lot of the middle class have been impacted by this recession. so people are either pulling these funds out for buying homes, or some are just hurting where a spouse may have lost a job and they need these funds. >> so you're telling me, even though people are doing it, is this a case where you do what you've got to do, or would you still recommend, do everything else before you dip into this retirement account? >> i recommend it as a last resort, but you're borrowing at low interest rates and borrowing from yourself. so if you have to borrow funds, this is the place you want to borrow them from. in these times, you can always pay them back. there's ups and downs to that, but you can always pay these back and you've got a great interest rate. >> so what are the consequences from borrowing from your own 401(k)? >> if you do lose your job or quit that job when you take that loan, they'

earlier, i spoke to financial analyst clyde anderson, and he told me it's very simple why we're seeingsing so much data lately, it's becoming the trend. everyone communicates this way. text to voice mails, e-mails. everything we're doing, we're doing a lot of and a lot of data. and they've got to pay for all these things and all these packets of information that are being transmitted. >> i think the biggest question to viewers at home right now, they're thinking, will this affect me, or is it people who are signing up for new deals or will it affect people at home? >> if you're already on a plan and you're under contract, you'll be grandfathered in. that's the great news. the other part, if you change something, it could be affected by it. because new customers will have to pay for the data they're using. they'll have to decide, which package works best for them. they'll give you several options to choose from. as you can see, $30 all that way up to $80 for some packages. the thing you've got to be careful is for people they call power users. these are some of the people that may go ov

. >>> we have been talking with financial adviser, money adviser clyde anderson, about what we need toy of financial disaster just four days away, and a lot of people very concerned about this. >> definitely should be. >> talk about gold. should we be investing in gold? >> it's a great investment, but you have to be smart. right now gold is at about $1,600 an ounce. the thing i tell everybody, we are printing more money but not making more gold. it's not possible. it's a commodity that you may invest in, but don't fall for the buying coins. we're seeing the signs pop up, we're buying gold. it's increasing in value. buying some of the gold coins, you're not getting 100% gold. you want to invest in gold itself where it's a commodity of gold. >> should we hang tight and hold off and wait and maybe do nothing until they can figure this out, or should we be doing something? >> again, at least educating ourselves. some of us don't know. look into these things, and the gold and 401(k), and find out what is inside of there, because you don't want to be blind-sided, and so you definitely want t