steve along with us president at equifax personal solutions. thank you steve. online items from iran to north korea, political unrest continues around the globe... on our website...one author talks about the impact world tensions could have on business here in the u.s. plus, a new study finds disparities in how different racial groups save for retirment. and...with some states still without fiscal budgets for next year...we take a look at the municipal bond market and how it's being affected. and straight ahead on the show.... how investing in your company's stock now could cause problems later down the road....that's after the break. the historic destruction to retirement savings thanks to the bear market is bad enough but for many it has been a double whammy if they invest in their own company's stock. many workers wind up investing in their company stock but it could pose a big risk to their retirement security. sean anderson is a visiting professor at the university of illinois school of law. professors nice to see welcome to the program. the idea here is t

issued 9.8 million new credit cards, nearly a 40% drop from the same time last year according to equifax credit bureau data. low risk borrowers can still get credit but less than before. the average limit on a new card slipped this year to $4,594. now, managing your credit card debt may seem impossible but you can do it by creating a plan and sticking to it. michelle jones is the senior vice president of counseling at the consumer credit counseling service of greater atlanta. michelle, great to see you. >> thanks. good to see you again, as well. >> let's get right to it. how do i handle this credit card debt for the typical credit card holder it's over $10,000 and now the credit card issuers are making it so much harder on me. how do i pay that down? >> well, there are several things you can do, jerri. one is if you have several credit cards, which most americans do, and you want to start paying those off, the first thing you want to do is look at how you can snowball those payments. by snowball what i mean is you take any extra money you have available and you put it towards one of your