she's hired financial planner stacy francis to help her look long term. >> we're halfway about throughe year so far, sell me a woman about karin stone, what could her asset allocation and risk tolerance -- >> it did start take your age minus from 100, we would expect her to have about 61 percent stocks. it could be on growth-oriented stocks and value, mostly in the equities area, but she also needs fixed income as she nears retirement. >> let's think about it as a midyear portfolio checkup, if you will? >> we go to our doctors once a year for a major checkup. guess what? your portfolio at least one a years, you want to shift it back to the ideal allocation. over time stocks may grow faster than your bonds. >> she's allowing her to focus on her career than her investments. >> i just found out that my money actually agree. i said, okay, they're doing something right, you've got this. let me deal with what i know best and you deal with what you know best. >> my colleague ali velshi and i have a risk calculator so you can decide how much stocks, bonds and cash you should have in your portf

ryan mac, president of optimum capital management and stacy francis.e got this e-mail from bree in washington. i'm thinking about getting a credit card to build my credit score. how do pick a card? >> 15% of your fico score is your length of credit history. what we want to do is go to bankrate.com and help to select a card. preapproved offers don't mean anything. make sure you use your card responsibly and a secured card to get on the right track. analyze all the fees that go with the card and understanding exactly rereading the fine print. >> absolutely. probably asking friends and things what success or not that they've had with different cards. what do you think about a lot of stater cards loaded with fees oftentimes? how hidden are those, and how careful do you have to be? >> bring out your magnifying glass to see all the fees. really what it comes down to if you pay your cards on time, you're not going to be subject to those fees. make sure you're being fiscally responsible, that you are ugs the cards appropriately and paying them off and you shou

she doesn't have a retirement plan through her job so she has hired financial planner stacy francis tor look long term. stacy we're about half way through 2012. markets are up. stocks are up. but it has been a volatile year so far. tell me about a woman like karen stone. what should her asset allocation, her risk tolerance be? >> it really can start with a rule of thumb and that is take your age minus from a hundred so for karen we would expect her to have about 70% stocks. her portfolio should be primarily focused on growth oriented stocks and value mostly in the equities area. but also she does need fixed income. as she nears retirement. >> let's think about it as a mid-year portfolio checkup if you will. how often should you reassess? >> we go to our doctors once a year for a major checkup. guess what? your portfolio at least once a year. you want to shift to factor that ideal allocation. over time stocks will grow faster than your bonds. >> reporter: karen is comfortable keeping her portfolio at arm's length allowing her to focus on her career instead of her investments. >> i just

got two experts to help us do that, ryan mack, and stacy francis, a financial adviser and president ofn, we got this e-mail from bree in washington. i'm think being getting a credit card to build my credit card. until now i have only used a debit card. how should i pick a card? >> 15% of your fico store is length of your credit history and debit cards do nothing despite what celebrities want to have you think. you want to go to websites like bank rate.com to help you select a car. avoid preapprovaled offers. make sure you use your card responsibly. make sure analyze all the fees and total cost of the card and understand exactly reading the fine print and re-reading the fine print. >> yeah. absolutely. probably asking friends and things what success or not that they've had with different cards. what do you think about a lot of these starter cards that are loaded with fees often times? how hidden are those? how careful do you have to be? >> you have to be careful. i would ask you to bring out your magnifying glass because that's what it's going to take to see all the fees. really what it

stacy peterson big day for chicago newest children's hospital next special ceremony kicking off a week of openings at kansas' franciscardinal george encrypted letters about governor pat quinn name and hiring practices coming up why felony franks closing its doors picture-perfect weather day another one jim ramsey in the weather center with details wgn news @ 9 we love theme parks but with four kids, it can just be too expensive. yeah, so to save money we just made our own. oh no! what could be worse than ninety-foot swells?! typhoon! first prize! it's a cheese grater. wooooo... this isn't scary. are you kidding me? look at that picture of your mom's hair from the '80s. there's an easier way to save. wooohooo... geico. fifteen minutes could save you fifteen percent or more on car insurance. [ train whistle blows ] [ ball hitting paddle ] [ orbit girl ] don't let food hang around. yeah! [ orbit trumpet ] clean it up with orbit! [ orbit glint ] fabulous! for a good clean feeling. try new orbit micro packs.? get. out. whoa. right? get. out. exactly! really?! [ mom ] what? shut the front door. right? woop-woop! franklin