. >> we met officer epperson at the kern valley state prison in california. armed only with pepper spray and a baton, he's the lone officer responsible for supervising the inmate kitchen staff. >> i have six, seven inmates back here now. i've got one sitting on the line. granted, i got four, five cops outside that door. that door's locked. there's only one dude out there with the key. you have to trust them to a certain extent. they have no reason to assault me. unless they're totally pissed off or i disrespect them. >> among the inmates epperson places his trust in is the number two cook, carter hill. >> tell me what your sentence is. >> murder. >> you're here for murder? what's your sentence? >> 51 to life. >> you know, it's interesting. sometimes there's this dynamic in prison when you're interviewing somebody, if there's a corrections officer and an inmate together, they'll pretty much watch their ps and qs. they'll tell you into the camera what the other guy wants to hear. but when we met carter hill, we got some real brutal honesty that day in the kitch

. >> hill was willing to make an exception for officer epperson. >> this man here, he treats me likea human being. it's a rare occurrence around here. this man, he all right. >> you're all right. >> i got to live here. i can't say more than that. he all right, you know? >> i give these inmates nothing more than what the state says they have coming. if they say give it to them, i give it to them. i give him what he gots coming, nine times out of ten, i won't be the staff member that gets assaulted. >> we knew they hadn't been working together very long, but they were getting to know each other. they were joking. they were establishing repore with one another. >> in they eyes, he's a bad guy. >> respect never trumps security. every knife, fork and utensil is accounted for. >> i recount and make sure every metal is in. if it's not there, strip them down and find the metal. >> besides working together in the kitchen, there's one other time inmates and staff have close contact. it's during a medical emergency. >> a man down. >> our cameras were at california's san quentin when officers re

sharon epperson joins us on how to raise your score. >> this is something you definitely want to do because your credit card can determine whether you get a credit card, mortgage, car and what rate. less than half the consumers know their credit score according to a survey by the american bankers association. >> i checked it not too long ago. >> they said it was good but i don't know what it is. >> i try to make sure i know what is going on because i have goals i want to accomplish. >> what if i know my score and i know it stinks? >> there are definitely things you should do. the first thing you should do is pay your bills on time. it sounds so simple. that is like half of your credit score based on that. making timely payments is very important. you also want to keep your balances low. what i mean by that is if the credit card company says you have a credit limit of $10,000 you don't want to use that entire credit limit. that's not a good thing to do for your score. you want to keep that low and make sure that you pay off as much debt as possible. >> i wonder if you hear about these things

joining us is personal finance correspondent sharon epperson. >> they invest in a mix of stocks and bondsther asset classes based on your age and rebalance over time as you get closer to your retirement date. what they are going to do, be more aggressive and invest mostly in stocks and then get more conservative as you get older investing more in bonds. but they may not be right for everyone. >> target date funds are basically a one stop solution to give you your allocation to your equities and bonds and gives you a pretty diversified portfolio. they aren't for everyone. they are made for the average investor. >> who are target day funds right for? >> they are really great for people who want to be hands off investors, whether they want a small cap or large cap, international, they don't know the mix and they are not interested in rebalancing over time or know when they should rebalance. they really know when they want to retire. their target date for this fund is actually their retirement date and they are pretty sure they are going to make it to that date. that's the tricky part. some p

sharon epperson joins us with or on this. i have to think at every age there are things kids should be learning. what about elementary school? >> we both have young children. my daughter is in elementary school. one of the first things you can teach your child is how to earn money, earn an allowance. whether that's doing chores around the house or help them set up a lemonade stand, show them the importance of earning their own money. pen you need to teach them how to spend that and save it, make good choices. what do you spend your money on? do you spend it on what you want right now or need to have right now? >> saving things. if you want that big ticket item, have you to saver for several weeks. >> exactly. teach them how important to save by opening a savings account and going to a bank. >> you have a son in middle school. what are you teaching him? >> one important thing is comparison shopping. he gets on the computer and will look and compare different sneakers from different companies, get the coupon from a coupon websi

personal finance correspondent sharon epperson joins us to explain the latest rules and tell this howthis affects you. >>> money market mutual funds have grown so popular u.s. investors park nearly $3 trillion in these investment vehicleless. but since the financial crisis regulators have been tightening regulations to ensure they're safe, regulations won't go into effect for two years but now is a good time for investors and consumers to side if these funds are truly the best place to stash the cash. >> i bring this up because i over heard this. i was giving a guy a hard time and i think he was wrong and i was right and they're not all the same. >> that's what's so confusing. you hear "money market" and you think they're all the same but they're not. there are money market mutual funds. that's what the exchange commission has addressed in recent days. and also, there's a money market accounts and that's a bank account. like a saving's count so you have the money market mutual fund which is an investment vehicle and the money market account which is like ap saving's account. >> the s.

personal finance correspondent sharon epperson joins us on how to raise your score. >> you definitely want to do it. you're credit score can determine whether you get a kraerd, a mortgage and at whautd mortgage companies and less than half of consumers know their credit score. >> i actually checked it. >> they said it was good but i don't know what it is. >> try to make sure i know what's going on because i certainly have some goals i want to accomplish in the future and good credit will get me in. >> what if i naomi score and i know it stinks are there things i can do? >> definitely things you should do. the first thing you should do is pay your bills on time. it sound so simple but that's like half of your credit score is based on that. not half but at least a third. making timely payments is going to be very important. you also want to keep your balances low. what i mean, if the credit card company says that you have a -- you have a credit limit of, say, $10,000, you don't want to use that as higher credit limit. >> be at $9,900. >> not good. you want to make sure you keep it low a

joining us right now is personal finance correspondent sharon epperson. sharon, how do these funds actually work? >> well, target date funds invest in a mix of stocks and bonds and other asset classes based on your age and they rebalance over time as you get closer to your retirement date. so what they're going to do is be more aggressive and invest mostly in stocks as you're younger and then get more conservative as you get older, investing more in bonds but they may not be right for everyone. >> target date funds are basically a one-stop solution, i would say, to give you your allocation to your equities and your bonds and give you a diversified portfolio and it changes over time. target date funds aren't for everyone. you know, they are made for the average investor. >> sharon, who are target date funds right for? >> they are really great for people who want to be hands-off investors, they don't know if they want a small cap, large cap, international, they don't know the mix they want. they're not interested in rebalancing over time or don't know when

. >> it is c in, bc's personal finance expert sharon epperson. >> want to play a little game? a game. i'm going to ask you a series of questions. you are going to place a bet on whether you think it is more or less than the number or the percentage that i am giving you. it is all about love or money. are you ready? >> yes. >> so for couples who have combined finances would you say more or less than 50% have hidden either a purchase, a bank account or statement? >> more. >> more. >> wow. well, you are actually wrong. it is actually less, 30%. three out of ten couples say they have hidden something from their spouse. one out of three say they have had some type of financial infidelity. could be something more aggressive. >> do you think women secretly spend more or less often than their spouse. one out of three say they have had some type of financial infidelity. could be something more aggressive. >> do you think women secretly spend more or less often than men? >> more. >> do you think women secretly spend more or less often than men? >> i'm saying more. i say a lot more. >> w

this is sharon epperson, married to one of those guys who's 6'5", and i've been in your stores for holidayin, those brands at the time years ago were not available. how are you going to let this guy know that you're now offering these types of brands and let them know that's a completely different store? what you're describing is not the store i walked into. >> it's apples and oranges. and look, we've made a decision to invest quite a bit in marketing in the first years to raise the awareness, to get the traffic in the stores. once we get them in the first time, we own them. these customers are coming back 80% to 90% return rates for these customers. they love what they're seeing. but it costs money. we're starting with a new name, dxl, that has very little or no recognition when we started, and we're on tv, we're on radio. we've increased our marketing budget to 7% of sales versus 4% of sales. we're going to do this for a few more years until we get that recognition level up. but the beauty of our brand is that it's a great experience. word of mouth goes around. these guys talk to their f

the host of television's "bar rescue," john tapper, a warm welcome, and our own sharon epperson. wrap up today's action on the markets, dennis gartman of the gartman letter and "fast money" trader tim seymour. welcome to everybody. we're waiting on results from 21st century fox out momentarily. dennis gartman, before we get there, first your quick thoughts on this market. >> well, first of all, welcome back to the south, kelly. it's good to have you back and somewhere south of the mason-dixon line again. what do i think about the market -- >> i had a great chicken sandwich. >> it's still a bull market, a quiet bull market. it's probably going to continue to be a bull market. and one is either aggressively long or quietly long, and i think quietly long is the right place to be. i've owned industrial metals, basically aluminum for a while. i've got it hedged against the broad market. it's been working. i'm going to stay that way. >> stephanie link? >> so, i think we have like a push-pull thing going on here in the market, right? we have these concerns about europe potentially going

. >> it is c in, bc's personal finance expert sharon epperson. >> want to play a little game?re aggressive. >> do you think women secretly spend more or less often than men? >> more. >> do you think women secretly spend more or less often than men? >> i'm saying more. i say a lot more. >> women spend less secretly than men do. men are more secretive about the purchases. >> what are they buying? jewelry for their mistress? >> they are not telling them the purposes. the women will say it was less for less money. >> everybody is lying. >> exactly. >> do you think that most couples would say they have to have spent more or less than $200 before talking to their spouse about what they spent? >> more than 20 $200? >> i am going to go with more. >> less is right. >> it shows the difference between what couples would do who are married before the recession or after the recession. those married after 2008. >> if it is more than $1,000 i will tell my spouse. >> people with two incomes there is an attitude of i make my money. >> i'm kind of for that. >> when it comes to fights about mone