. >> i say it is gender unspecific. we all need to do a better job.better investors than men. especially not wanting to take on a lot of risk. sometimes that can help you. >> particularly women when it comes to investing tend to be better investors because they are more thoughtful in decisions. one they make a decision, they buy and hold. men tend to trade more. we do find that women are better long-term investors. >> this is the time of year when they overspend and overeat and then you fall off the financial resolution. i like to use birthdays as a better tool. this is not the time of year to try to tackle a new financial you. what is the trick to tell somebody this time of year to think 2014, i'm going to get it together. >> the most important thing is i'll take the first step. that is yes we offer a free financial check up on the phone. we can tell you three things you should be on track for whether or not you are on track. take the first step and we take it from there. you have it put your hand up. "financially fearless." you have to rip the band

today, we have less than 60 authorizations unspecific arsons to do that. >> the nsa, as we sit here rightow, is listening to a universe of 50 or 60 people that would be considered u.s. persons? >> less than 60 people globally who are considered u.s. persons. >> that was general keith alexander being questioned by reporters john miller who used to work in the new york police department and then as associate deputy director of national intelligence. your response, sascha meinrath, to this whole report? >> one, it is important to remember james clapper and others have lied previously. i believe he said he told the least country 20 was before congress and lied to congress-- the least untruths when he was before congress and lie to congress. they're collecting huge amount of information, tens of millions of phone calls are monitored actively. what this really was, was an attempt to say, but are you listening individually to specific phone calls? is that on an average basis probably a far smaller group. but regardless of that, what is clear here is what is actually happening in the spin about w