ryan mack the president of optimum capital management.is the founder and chief investment officer of portfolio llc. lee, let me start with you. your clients want yield wp are stocks the only place to get real returns? >> yeah, i do think that they are. i think that you still are going to always have to have a balanced portfolio. what we have to think about is stop asking these wrong questions about where are we going to get yield from, where are we going to get this juice that people want. it's always a great time to have a balanced risk managed portfolio and i don't think you can have yield be the prime driver. you have to look at absolute return but you always have to step back. why are we investing in stocks or investing in bonds? it has to fit your own personal situation. until we do that, i don't think anybody should be really investing in anything. get a financial plan and it will dictate exactly what kind of assets, what kind of things you should have in that. then you don't have to worry about timing the market or, you know -- we

finds one in 5 americans has an error on their credit report, some are significant, here is weigh in ryan mackresident of op optimum capital management. >> a lot of individuals are not following through and getting their annual credit report, a lot of individuals more than 90% have yet to get their free report they have access to. gerri: before you go further, annual credit report.com, the place to get free one, don't go anywhere else or you pay money for service, annua annualcreditreport.com. >> it is about not what you can control but what you can't control, yo condition control hn -- can't control human error, these are people putting these in, if your name is a jr., and your father has the same name, we've seen a lot of cases with individual father have their bad credit their report, if you moved or relocated, they have not kept up. gerri: ryan, look, if i made as many mistakes as they make i would not be employed. why do people buy this information if it really not accurate. >> the corporation has a monopoly on credit. in terms of how they monitor, there is no other place to go. you can t

ryan mack for joining us. president of optimum capital management. today should the u.s. be able to kill american terrorist suspects without trial tweet me @carolcnn. i want to know exactly what i am investing in. i want to know exactly how much i'm paying. i want to use the same stuff the big guys use. find out why nine out of ten large professional investors choose ishares for their etfs. ishares by blackrock. call 1-800-ishares for a prospectus which includes investment objectives, risks, charges and expenses. read and consider it carefully before investing. risk includes possible loss of principal. thyou eat less...ing weiyou lose weight.et. it's a great plan... until you get hungry. that's the time to take slimful. one tasty 90-calorie slimful and a glass of water satisfies hunger for hours making it easier to eat smaller meals, and resist snacking. your friends might think you found the secret to losing weight. but it's no secret... it's slimful. eating less is a beautiful thing. >>> talkback question today should the united states be able to k

ryan mack for joining us. president of optimum capital management. today should the u.s. be able to kill american terrorist suspects without trial tweet me @carolcnn. i want to know exactly what i am investing in. i want to know exactly how much i'm paying. i want to use the same stuff the big guys use. find out why nine out of ten large professional investors choose ishares for their etfs. ishares by blackrock. call 1-800-ishares for a prospectus which includes investment objectives, risks, charges and expenses. read and consider it carefully before investing. risk includes possible loss of principal. >>> talkback question today should the united states be able to kill american terror suspects without trial? this from mary america is at war with terrorists an american becomes a terrorist and is involved in activities that endanger the u.s. i say take them out let's not confuse war policy with the rights of americans at home. this from mark, unless the person is actively engaged in combat or a terrorist act it's unlawful to execute him without due pr

ryan mack is the president and lee munson the founder and chief investment officer of portfolio llc.ith you. your clients want yield. are stocks the only place right now to get real returns? >> you know, i do think that they are. i think you still are going to always have to have a balanced portfolio. stop asking the wrong questions of where we're going to get yield from and this juice that people want. always a great time to have a balanced risk managed portfolio and yield not the prime driver. you have to look at absolute return. you always have to step back. why are we investing in stocks or in bonds? it has to fit your own personal situation. until we do that, i don't think anybody should be investing in anything. it will dictate exactly what kind of assets and what kind of things you should have in that and you don't have to worry about timing the market and enjoy silly things. >> right. that was all for your enjoyment, i am not making an editorial statement at all. when was the last time you were balanced? you want to take advantage of gains when you get them and make sure you

>> you hear the voices of jindal, christie, mack donnell, jeb bush as opposed to voices of santorum, palin, others. i don't mean to leave anybody, paul ryanll. bobby sounds like he's running. i serve with him in congress, like him, respect him, don't agree with him on certain things. his voice is a serious one to consider as opposed to voices on the fringes. >> what do you see, pegj? >> i see an opening down the road that does the opposite of what washington does now. washington is a suffering marathon. which suffering do you want the most, cuts, tax increases, faa flight controllers leave, all about suffering. someone coming forward and saying, no, actually, it's all about growth. we can get dynamism, not only through what harold mentioned. this energy revolution we're on the brink of and not grasping and making real could help turn the entire economy around. it's so amazing good stuff can happen and we're sunk in this suffering. >> we're going down a road of substance here which i want to pull us back here. i want to make sure we spend a couple minutes on the oscars. before i do, the other big picture of the day, the pope's final mass -