assess your financial serpersonality, you are comfortable with an on-line bank?o have you more sophisticated needs you need it all under one roof,. gerri: a lot of people are opting to go to prepaid debit cards. >> it is an alternative, it is a great way for people to put boundaries around their spending. i am a fan of free checking it out there, if you can find it. a lot of community banks and credit unions, a lot of good savings accounts with no minimum deposit. i am a fan of having your money in the banking system, i think that prepaid debit cards can be a supplement, not a substitute. gerri: at the end of the day you want a relationship with the bank. >> yes, we want to accumulate wealth, you need that in the banking system, the prepay debit cards can be away to avoid fees. >> greg, thank you, great stuff, interesting how it is changing and people's attitudes about banking are changing. >> thank you. gerri: coming up, twitter stock may be on fire, we'll tell you why it could still be a lowser for individual investors, our used guidance shopping, rip offs, ide