first, paydown high interest debt. no debt? the five your emergency fund or retirement savings. idea number two, make yourself more productive. take a class, start a business, leverage the refund into more money. a final smart idea, make a charitable donation. and help yourself by creating a deduction for next year's taxes. if that is not what you had in mind, at least try not to do something dumb with the refund. some examples, creating more debt. resist the urge to use the refund as a down payment to borrow for a car or other depreciating asset.number two, loaning it to someone who might not pay it back. keep this windfall to yourself. a final foolish way to use the refund, temporarily living beyond your means. this is not free money. you worked hard for it. one final tip. while it's nice to get a check in the mail this time of year, if you overpaid your taxes, you could adjust your w-4, have less withheld from each paycheck, and more to save throughout the year. want more ideas on what to do with the refund? i have a ton of them waiting are you at moneytalksnews.com. do a sea

the thing that's important here is they continue to say they'll accelerate the paydown, but, david, theyd no debt down, but they sold 210 million shares at the market. in other words, like you say, why isn't that stock lifted? because they're out there selling it every day. >> but, listen, better to stay alive. >> this is the day where the dog versus their day. i just want to caution people that the common stock may not be what this is about. real money on the street, putting the stress down index. that means don't look at the common stock, look at the bonds. >> that's why we sometimes call the xomt an option. >> thank glue we have a lot more, including jim's mad dash. here's one more look at future. more "squawk on the street" is coming right at you, straight from the new york stock exchange. trader offices. steve, other than making me move stuff, what are you working on? let me show you. okay. our thinkorswim trading platform aggregates all the options data you need in one place and lets you visualize that information for any options series. okay, cool. hang on a second. you can even s

big debt paydown. who recorded this story. where did this story come from. >> b. don't know where. a couple people i know looked at their models and point out to me they don't see a large cost cutting opportunity because the company is focused on sg & a to keep margins stable. they could close underperforming stores, but a lot of these stores sustain current sales. and you got to shift online of some sales, obviously. any cut to expenses would barely offset costs of online fulfillment. "a," i have no idea where the story come from, but "b," lbos in this market? >> the croft & barrow, their shirts hold up well. they introduced smaller format stores. i think kohl's as a retailer might be a buy if you believe cold weather stays. the stock is down very, very hard. any way, i this i they're just fed up. comp stores -- comp sales were good the last quarter, relatively. >> yeah. carl, i have not seen time warner. we talked so much about it. nothing new to talk about. >> cbs upgrade. >> we'll update you on that if there is something to say about twx, beyond what we report

beat down the establishment, we balanced the budget, we cut the capital gains tax and we provided a paydown over time of a half a trillion dollars of the national debt. [applause] you see, what happens in washington is everybody has their own little thing. it's in every state house, why do you think that the mentally ill and the drug addicted get ignored? now the drug addicted we're paying attention to because they're right in our neighborhood and you're demanding action. but why do you think for so long the mentally ill or development ly disabled have been ignored? because they don't have a loud voice. who gets the loud voice? all the special interests and the big money. i'm going to pull them down but i'm going to beat them when it's appropriate for all of us. i found hammers and screw drivers in the pentagon that cost tens of thousands of dollars. it was a total rip-off so i fought to change it. how do you think the defense contractors felt look -- about that? but you know, it doesn't matter. n some instances you're like sificus is. you push a rock up to the hill and as soon as you get i

beat down the establishment, we balanced the budget, we cut the capital gains tax and we provided a paydown over time of a half a trillion dollars of the national debt. [applause] you see, what happens in washington is everybody has their own little thing. it's in every state house, why do you think that the mentally ill and the drug addicted get ignored? now the drug addicted we're paying attention to because they're right in our neighborhood and you're demanding action. but why do you think for so long the mentally ill or development ly disabled have been ignored? because they don't have a loud voice. who gets the loud voice? all the special interests and the big money. i'm going to pull them down but i'm going to beat them when it's appropriate for all of us. i found hammers and screw drivers in the pentagon that cost tens of thousands of dollars. it was a total rip-off so i fought to change it. how do you think the defense contractors felt look -- about that? but you know, it doesn't matter. n some instances you're like sificus is. you push a rock up to the hill and as soon as you get i