but our own stacy tisdale now understands them, and reports on the hidden benefits. >> judith andersonght advice on how to maximize her social security benefits. >> i thought when you decided to retire that you called them up, and said i want to start drawing down on my social security. >> jute did found out she could draw down much more, by claiming additional benefits to help pay with their daughter's college education. >> she is getting around one huh thousand dollars a month. they are staking advantage of a little known rule. as long as one parent, is 62 or older, the couple can claim an additional benefit for every child under the age of 18. if the parent qualifies for 2,000-dollar as month, the child will get 1,000. and the money the child gets does not reduce the amount the parent receives. >> that is something that is increasingly important, as people are having children later in life. >> another little known benefit paid your spouse for taking care of your children. to claim the care giver benefit one parent has to be 62 or older, and the child has to be under the age of 16. y

stacy tisdale, al jazeera, new york. a survey by the securities and exchange commission found that 45% of investors mistakenly believed some or all target date funds provide a guaranteed income in retire the. they do not. >>> coming up, a startup that helps real people get their product ideas on the shelves in a matter of months. >> this is the model shops where we are making all sorts of prototypes, the latest and greatest quirky products. >> that and more when re"real money" continues. >> al jazeera america is a straight-forward news channel. >> its the most exciting thing to happen to american journalism in decades. >> we believe in digging deep. >> its unbiased, fact-based, in-depth journalism. >> you give them the facts, dispense with the fluff and get straight to the point. >> i'm on the ground every day finding stories that matter to you. >> in new orleans... >> seattle bureau... >> washington... >> detroit... >> chicago... >> nashville... >> los angeles... >> san francisco... >> al jazeera america, take a new loo

stacy tisdale, al jazeera, new york. a survey by the securities and exchange commission found that 45% of investors mistakenly believed some or all target date funds provide a guaranteed income in retire the. they do not. >>> coming up, a startup that helps real people get their product ideas on the shelves in a matter of months. >> this is the model shops where we are making all sorts of prototypes, the latest and greatest quirky products. >> that and more when re"real money" continues. the stream is uniquely interactive television. we depend on you, >> you are one of the voices of this show. >> so join the conversation and make it your own. >> the stream. weeknights 7:30 et / 4:30 pt on al jazeera america and join the conversation online @ajamstream. every sunday night join us for exclusive, revealing and surprising talks with the most interesting people of our time. tomorrow night. >> we try to be funny in serious stories which is very, very rare. >> he made radio cool with his sense of humor, insight and curiosity. h

stacy tisdale, al jazeera, new york. a survey by the securities and exchange commission found that 45% of investors mistakenly believed some or all target date funds provide a guaranteed income in retire the. they do not. >>> coming up, a startup that helps real people get their product ideas on the shelves in a matter of months. >> this is the model shops where we are making all sorts of prototypes, the latest and greatest quirky products. >> that and more when re"real money" continues. i'm phil torres. coming up this week on techknow. it's roll-call for the santa cruz police. their locked, loaded, armed with a computer program that could change everything. >> we found that the model was just incredibly accurate at predicting the times and locations where these crimes were likely to occur. >> alright, where are we going? >> put your hands behind your back. >> can science predict crime before it happens? >> next time on america tonight? >> is it a sophisticated work of art or graffiti sprayed on a wall? who does street a

stacy tisdale looks at how local communities are managing higher pay. >> when you see images like these, it's easy to understand the emotional argument for raising minimum wage. put many reachers argue that the length between minimum age is overblown. >> few are paid the minimum wage, onward about 3% of the workforce. most who are are young. over a quarter of minimum wage earners are high school or college students. >> washington with the highest, known for strong union activities tops the list the $9.20. oregon at $8.95, where one in five households rely on food stamps. vermont with the third highest, recalculates the wage every year taking inflation into act. at $8.25, connecticut has the fourth highest minimum wage. it has the fourth-highest cost of groceries and is one of the expensive. >> illinois $8.25. the strong union state has one of the highest unemployment rates in the country. how much of an impact does a higher minimum wage have on the economy. in oregon, a planned $0.15 increase in minimum wage on 1 january 2014 puts $2,034 in the pot. >> i don't see a way in which that sm

stacy tisdale, al jazeera, new york.ll ahead, it is a laundry list of very new laws set for 2014, including one state licensing. a peddling pub? what is that. >> and another holiday black eye for target, this time involving it ease gift cards. and the card dealers are setting records by moving billions of dollars worth of vehicles off their losts we are back in a moment. advertise the season for driving new cars off the lot. every year, december has been the top selling month for auto sales. consumers are on pace to spendage estimated $34 billion boy, that's a lot of money. al jazeera explains. >> you can see the ads and the bright sales signs. but that's at the end of. every year, there's something different this year, another million and a half new cars and trucks sold nationwide this december. >> we're looking at perhaps as 5% maybe 6% increase over last year. which maybe doesn't sound like all that much, but last desks was a fantastic month in one of the biggest months in 2012. >> how may i help you? >> the sales man

stacy tisdale, al jazeera, new york. hopes for a cease fire in south sudan are fading. officials say a tribal militia loyal to the former vice president is marching toward a key state capital. the violence is displacing thousands of civilians seeking refuge in camps that are being overrun. >> al jazeera mohammed abdul takes us inside of one of them. >> these people are displaced. almost two weeks after they sought protection at the main u.n. peace keeper's base in the capital, juba, they are not confident enough to return to their homes. the fighting is neighbor against neighbor. this man watched as his brother was shot. >> my brother was killed, not by soldiers but by civilians. he died because he belonged to a certain ethnic group. >> reporter: with thousands living here, the camps are overcome. they are short of the most basic of services such as clean water. help is beginning to arrive. here, officials of the world food program distribute food and house homed items to the displaced. >> it's been a very challenging task for the world food program and its partners in

stacy tisdale, al jazeera, new york. >> increased premiums don'tlas last forever. usually three years if you don't make another claim during that time. if you want to see more about tonight's stories, log on tower our website, aljazeera.com/. ben bernanke going out with a bang, virtually no one expected the fed to announce it was tapering on his watch, last wednesday, which was his last press conference. ben bernanke says the u.s. economy is almost ready to stand on its own two feet without fed. that i had that made invest organs heaps for a day but ben berneke t took you him months to tanking. he stood side-by-side with then president george w. bush, henry paulsen, as they continued to try to convince americans that everything was fine when it clearly wasn't. that administration did americans a huge disservice. bernanke gave it credibility. he came it out and came out from under their shadow. his fed led the charge coordinating in the darkest days of the financial crisis, ensuring the global flow of money and credit. while congress spent much of the last few years

stacy tisdale has more. >> sandy, a 47-year-old manager at accenture figures she'll need $4 million tove a financially secure retirement. >> china, australia, new zealand. i want to go to them freely and not worry about pinching pennies. >> sandy, a single mother who does not believe social security will be around. even though she paid close attention to the market. she realised that the rate her money was going, she couldn't have enough. she found compass investors horizon, which looks at people like sandy on an individual basis. clients unfortunate figure out how much it costs. the strategy, get to the magic number as quickly as possible. to get you there compass looks at choices available and gives you trades to execute. compass tells investors to bypass funds. i wanted to provide income forever, if possible. you can do that by growing your accounts large enough, putting them into vehicles paying you essentially an interest, everything you would have been getting for your salary. compass charges $600 a year. active 401km gives you active trading suggestions for $120. trackers sugges

as stacy tisdale report, it doesn't always pay to make a claim. >> boy do we love our cars. >> a survey by transunion finds that americans make their monthly car payments before they pay bills and mortgages. with love comes responsibility, and taking responsibility in their car can cost you big time. particularly if the love affair hits the skids. this is where car insurance rates are going up. it's a view that the consumer is now riskier than they were beforement he said the company wants to adjust the rate because they collect premiums to pay out future claims. a study by insurance quotes found if you make a claim of $2,000 or more premiums go up. the national association of insurance says the average autoinsurance in the u.s. is $791. so the 30% hike would raise it to $1092. there are three types of insurance, bodily injury coverage. it's required in the district of columbia. the second property damage coverage. he did that in case the car, someone else's car, the building and the mailbox was damaged. >> comprehensive cover protects you. >> the two that cost the most for consumers ar