here's cbs news business analyst jill schlessinger. >> reporter: now might be a good time for to you enter the healthcare industry. as more americans gain access to insurance, providers will need to add staff to meet increased demand. the government project that healthcare will add 5 million new positions by 2022. and you don't always need a lengthy educational background to get into the industry. job search site career cast assembled a list of the ten best healthcare jobs for 2015. it is found that medical technologies jobs are expected to grow 22% by the year 202. they perform lab analysis for diagnosis, treatment and prevention. most technologists receive training through a certificate or associates agree program. and the median wage in the philadelphia area comes in at $59,400. a big bonus to the industry. medical technologists have a high quality of life. i'm jill schlessinger, cbs-3 "eyewitness news". >> five this 23. >> going to see nice weather by the weaning end definately one of those days that features a lot of different things. we've got fog initially showers, even couple

here is cbs business analyst jill schlessinger. >> employing millions of people.le it can be a lucrative career, you you have to be ready to assume the risk. successful salespeople love the idea of making a direct impact on the amount of money they can earn. highly tuned sales skills can also be used to commands increased compensation over a career. one of the highest paying subcategories in the industry is for sales representatives of whole sale manufacturing technical and scientific products. according to a 2014 report from harvard business school, these are among the hardest jobs to fill, which is like companies are paying up, here in the philadelphia area these folks are in a median wage of nearly $102,000. if you have no direct experience, and still want to enter the field highlight sales related experience, like fundraising, or giving presentations. i'm jill schlessinger, for cbs-3, "eyewitness >> president obama order review of the drone strikes in pakistan after two hostages are accidentally killed including a american. the strike? january killed two membe

i'm jill schlessinger, cbs-3 "eyewitness >>> dispute over family business may have led to a deadly shooting rampage in arizona police say five people were found dead, inside a phoenix home, in an apartment -- in a apparent murder-suicide. three of the victims were brothersment the other two were the men's mother and a spouse. police say one woman and two children escaped un harm. another woman escaped by hiding in the bathroom. >>> 5:23 here's katie. >> ukee, spec to go see the worse of the wet weather sort of pull out to sea here over the course of the next hour or so. give or take. and it is specially coming down steadily right now across portions of burlington and ocean counties here. so here's your nap shot of storm scan. generally new jersey delaware you're in the brunt of this, right now southeastern pa pretty much already seen t but dow want it gave you a sense how heavily some of the rain is falling we just zero in on that heavy pocket right there. and precipitation over inch per hour. good news it won't be raining over you for an entire hour. that will lead to ponding on roadways,

i'm jill schlessinger, cbs-3 "eyewitness news". >>> 5:23 right now, and soggy friday. katy? >> eventually we will turn that way, for sure, erika good morning everyone, pretty tranquil start to the morning for now in philadelphia, anyway. but, you are going to find little bit of a green popping up there on the area radar which we'll get to in a second. i want to start by taking you out first, for most, live look at "skycam 3", all pretty tranquil off in the distance here from our very own rooftop here, at our station headquarters in spring garden, this spring garden neighborhood here in center city. 60 degrees the current temperature at the airport already, that southwest breeze is noticeable, at 13 miles per hour. there is what i was talking about. little hint of showers just northwest for the most part of i-95 just about ready to roll into wilmington, though, too. so you may need to flick the windshield wipers inter mittenly this morning eventually, heavier moisture moves n just your bullet points looking at the possibility over half inch every rain, locally thunderstorms e

>> and here to answer that question, cbs news business analyst, jill schlessinger, up in new york fors, jill, good morning to you. >> good morning. >> people used to say that you need a million dollars to retire. is that true? >> wish i wash i answer is it depend. it is your life. first thing to figure out how much you need to float your lifestyle today, then you want to project which of those expenses will occur during retirement. so maybe you will no longer be on the hook for payroll taxes, or retirement plan contributions, or even commuting costs. but, ill point out region report found that the average couple should expect to spends, get this, $250,000 through retirement on healthcare that's about ten grand a year, so you supply to add that back in. >> wow. well, you know, after do you have your retirement expense number, so what's next? >> well, then the next part is to figure out how much income you're going v so do you have your social security benefit in hand? your pension estimate? but, remember, any shortfall between your need and your stream of income, has to come from your

. >> jill schlessinger joins us to discuss the difference between managed and index mutual funds shen new york for us. good morning to you. report good morning. >> so what is the difference between the two, jill? >> reporter: well, manage funds rely on research, market forecasting, and a tenured portfolio manager and/or a team to attempt to out perform their relevant benchmarks. now this is called an active approach to investing. conversely index funds, they are passive. they track the performance of a particular benchmark like the s&p 500 and they do that by purchasing each of the securities that comprises the index. >> okay, now what's the difference in fees? much of a difference? >> oh, there is a difference, you know what, that research, the ex america tees, in fact the potential to generate better returns it, comes at a price. average fees on actively manage stock funds were 89 basis points, that's .89%. compare that with 12 basis points foreign decks funds. now, the pros that oversee those manage funds can beat their indexes by more than the 77 -- .77% every year, then you migh

. >> jill schlessinger up in new york for us, good morning. >> good morning,. >> first and for most,again, what is reverse mortgage? >> well, it is a home loan which allows homeowners to wear 62 or older who have either entirely or mostly mortgage to convert portion of the equity of their homes into cash. now, couple every things. you have got to keep that home as your primary residence and the amount you can borough it, depend on few factors. the age of the youngest borrower, the current interest rate and the appraised value of the home. most reverse mort gangs are offered through hud and they're guaranteed by the fha. >> okay, so what are these new rules now jill? >> okay, now before yesterday, applying for reverse mortgage was pretty easy now like applying for traditional mortgage. reverse mortgage borrowers financial assessment test, they have to prove they've paid their taxes their homeowners association fees, and other property related charges, on time for at least the past couple of years. >> now you have back up, monthly overview every expenses cash flow, tax records. >> out

. >> cbs news business analyst jill schlessinger, here now to help families foot the steep education e's up in new york for us. jill good morning. >> reporter: good morning. >> so, if you are not happy with the package, can you negotiate? >> absolutely, especially if there has been a change in your family's financial circumstances. now, if you have a better offer, and you're seeking a match, the student not the parent should make that appeal directly. when you have got all of the information, the consumer financial protection bureau has got a really good tool, the financial aid comparison shopper, it is inter-active, it is on line it, helps you compare all of the offers, and that way you can pick the one that works best for you. now, jill, when you get those offers, that's just for the students freshman year, right? there is no promise they'll get it every year? >> reporter: that's right. i think that's a big misconception. frankly, generous offer for the first year does not guarantee the same amount for the future. now you have to be a nudge. do you have ask the college how much do c