clyde anderson with us as always. you going to stick around for the launch?bitious mission here by nasa. but there's a live look. kennedy space center, down in florida, looks like they will be able to take off. but "curiosity," the rover sitting on top of that atlas 5 rocket, and it is heading to mars today. it's happening within three hours. the launch, you will see it here live. we're going to take you back there here in a moment to talk to some folks also keeping a close eye on this launch. stay with me. for convertibles, press star one. i didn't catch that. to speak to a representative, please say representative now. representative. goodbye! you don't like automated customer service, and neither do we. that's why, unlike other cards, no matter when you call chase sapphire preferred, you immediately get a person not a prompt. chase sapphire preferred. a card of a different color. (phone ringing) chase sapphire preferred, this is julie in springfield. the progresso chicken noodle you made is so good. it's got tender white meat chicken. the way i always made

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clyde anderson with me now. we are talking holiday shopping.o save you money. not generic stuff that you always hear. this will really help you out. yes, of course, you're supposed to have a budget. we always hear that. i like to call them financial success plans. we want to have a plan. a lot of people will create a budget and not stick to it. the goal is not to hit the budget but come under it. >> when you say a budget, all right, i'll spend this much, everybody goes over. >> exactly. that's what they always do i feel good that i made it, not just feel good that you made it, but stick to it and hit under it. >> all right. a gift list. you say make one that works. >> a gift list. a lot of times we just make a list. we want a strategic list. who is on the list what are we getting and what are we looking for? don't just say i need a gift for mom or dad? what gift for mom and how much will that cost? >> do you always need to be so specific about who you need to give gifts to? >> especially these days. everybody doesn't need a gift. we have to shr

our financial analyst clyde anderson says you need to be careful of what deal you need to take advantagen says if you use the card they'll give you money back, just for swiping a card or buying something online. >> what is the problem with that? >> you're going to spend it, a lot of times you are, but sometimes it's an incentive to spend. is but sometimes they'll say if you spend $200 we'll give you 25% off. you weren't going to spend $200 anyway. if you weren't going to spend the money, it's not really a true reward. >> but if you were going to spend the 200, some of the things can pay off. >> some can. remember you have to pay it off on time. if you don't, all the rewards go out the window, because you've accumulated the interest. you have to be strategic. >> what about the rewards points. i need to get into this more. i don't get it, really, but can they be beneficial. >> the rewards are for using the card. they can be beneficial. if you're not solely in it for the rewards. some people are using the card just to get the rewards, which doesn't make sense. now, we see it often in the de

. >> i hate it when you make since clyde anderson, thanks so much. we'll be right back.ut, plenty more details for you. the word that cbs news long time commentator, there he is, andy rooney, has died at the age of 92. more on that in a moment. stay with me. from capital one. spark miles gives me the most rewards of any small business credit card. the spark card earns double miles... so we really had to up our game. with spark, the boss earns double miles on every purchase, every day. that's setting the bar pretty high. owning my own business has never been more rewarding. coming through! [ male announcer ] introducing spark the small business credit cards from capital one. get more by choosing unlimited double miles or 2% cash back on every purchase, every day. what's in your wallet? consumers er wanchai ferry orange chicken... over p.f. chang's home menu orange chicken women men and uh pandas... elbows mmm [ male announcer ] wanchai ferry, try it yourself. >>> again, the sad news we're just getting moments ago from cbs news that longtime commentator, "60 minutes" comme

. >> let me bring in our financial analyst, clyde anderson again, i will give you an opportunity to saypset and so hard to switch banks. >> you there go >> i thought that people wouldn't do it wow. >> exactly don't on the silt, they have done it, 650,000 people that is a lot of people to say, okay, i'm fed up and going to change bank. people are tired, tired of feeling like they are being pushed around and stepped on the >> i said this had isn't easy to do we all have bill pay set up, now hearing from my co-workers this morning, maybe you will tell me now, how div scut a process for it, it is a saturday, today a day you are supposed to move, can you do this all online? >> a lot online, a majority online, some people want to go to the banks, most banks are open until 1:00, now the thing is that they have made it so easy, i think they heard your cry and heard you say that it was difficult and made it a little bit more simple. now, you can go online and some banks have kits to where you can set up the new account first, what you will want to do, set up the new account first and be able to