i'm janet bodnar. >> tom: just a reminder: you catch us online at nbronpbs.org. you can comment on our blog or watch any programs you may have missed. follow us on twitter at "biz report" or my personal feed at hudson n-b-r. if tweeting isn't your thing, friend us on facebook at "biz report." finally, something you may know if you pay attention to who's driving what. a new study finds, when it comes to cars, men like looks, women prefer practicality. truecar.com looked at data from eight million purchases in the u.s. last year. the brand with the highest percent of female sales was bmw's mini, followed by kia and honda. guys like fast cars. their favorites are ferrari, lotus and lamborghini. the top-selling model for women was volkswagen's new beetle. susie, for men, it's the porsche 911. men arc parently still like to dream about all that horsepower. >> susie: tom, i'm practical in a lot of things in my life but when it comeses to driving i don't follow that mold. will you find me behind the wheel of a porsche. >> tom: i'll be behind the wheel of a volkswagen, a

janet bodnar is editor at kiplinger's personal finance and she's here with some of the best offers out normally equate freebies with tax day. >> but that's the whole point. >> when did companies all of a sudden start doing this and why are they doing? >> i think it's kind of a nice marketing thing. you're under stress so the exercise folks are going to destress you. they're going to give you a little reward once you finish the taxes. and it's good marketing because maybe you'll come back and spend some of your refund. >> you see that money going out the door. nice to have something going back in return. >> that's right. >> you mention fitness and you talk about bali's. free opportunities for people? >> monday anybody can work out free at bali's. if you are a member you can sign up for a free personal training session for a 30-minute personal training session and if you'd like to be a member they've got some specials on some of their two-year packages. >> almost kind of like the new year's resolution type deal. nice opportunity. and massages are also another route people can go, if you'

the moderator is janet bodnar, head of kipling years personal personal-- kiplinger's finance magazine. this panel is just over one hour. >> in addition to overseeing the magazine, janet has written extensively about a wide range of topics on investing, personal finance, and the economy. she is also a nationally- recognized author and expert in the field of family finance. her latest book is "money smart women -- everything you need to know to achieve a lifetime of financial security." money smart kids column appears regularly in kiplinger's. she has. regularly on a number of tv shows -- appeared regularly on a number of tv shows. with these sterling credentials, janet, i will turn it over to you. [applause] >> thank you very much. speaking of sterling credentials, we have a panel full of shining credentials. i will introduce them briefly. we will move right into some very interesting questions, some of which grew out of the first panel. others are specialties of these folks up here. others have been submitted to us by members of the audience. we would get right into some nitty gritty