To the first hour final installment of the weeklong series as a users guide to education. If you graduated now what . Finding a job is not easy prospect. Reinvested eati what it takes to stand out from the crowd he now have to have the extra somethingto get hired we will talk about that well also show you not the hightech way all of that isoming in shortly. Obamacare hitting another snag this time with insurance pricing. The wall street journal reports a Software Glitch in the exchanges causing the prices to be miscalculated. Adding insult to injury that chuck cater was to happen months ago but on started this week. Thank you for comi on the show so many thigs have gone wrong with the implementation . Can this be fixed in the next couple weeks . I dont know because it is more than a technology problem. The basic calculations you have to wonderow deep the problem runs. One of the challenges the Insurance Companies have is to price Insurance Independent of an individual risk it is almost unheard of in the insurance industry. Gerri the Insurance Companies themselvesdidnt know what time to expect that no one who will sign up for how mu theyre on the hopedfor the hook. Is less signed into law march 2010 they had to and have years whats going on . Another project falling apart . Initially the estimated cost for thetechnology and the pieces needed to come together were underestimated. Second, the government has taken on more responsibility for setting up the marketplace and what they originally anticipated because many states opted not to know they also have to accept the responsibility for employers as we have seen that will decide not to provide benefits in have consumers go to the exchanges so it is unintended consequences surrounding the problem and the magnitude that will be a challenge. Gerri it is just like playing dominoes i was just giving the government a hard time but even the private exchanges and thetate is having trouble with this it is a difficult hurdle and you have to wonder if obamacare can even be implemented certainly not octer . They want to have them open in october but will it work . Looking at the implementation for the rollout months and months or possibly even years as this starts to slowly start working. The biggest depedency is if they get th funding that ey need. Based on the vote today but nonetheless they dont get the ncessary funding they will have major challenges. Even if the implementation goes along looking at the latest poll in the terms of people that are still skeptical or dont know enough about obamacare to know iit will help them melt they needed to put into communication is a drop in the bucket and they recognize that not enoug has been done. Gerri absolutely true people dont understand if they are eligible they think it has been repealed in some cases. Going to a different topic of the Cleveland Clinic they now say they slimmed down to cnge adair doing in this is the institution that is very wellegarded in the president himself has talked about how important the Cleveland Clinic is not impacted by obamacare. The Cleveland Clinic functions was to paradigms it provides services to people all in terms of taking care of patients but it is also a big employer. Looking at the changes operationally it is consistent with what major employers are saying across the country they cannot affordhe burd of what will happen to provide benefits come impacting profitability and operational cost the impact of impending retirees. As an employer they have the same issue as any employer when they talk about if it is efficient with how they prop prove care to consumers the jury is still out one of the nuances of the Affordable Care act will enable the clevelandlinic to stay profitable t take on the sick individuals and still maintain the level of standard. It is an Excellent Institution but at the end of the day there are not enough resources to do everything for everyone every time they need it. Gerri also how the prident talks about i in the past to big difference today in what he said two years ago. Part of what we want to do is free docts, doctors, patients, hospitals to m make decisions based on what is best for patient care that is the whole idea behind nato and the Cleveland Clinic. Ill be visiting your home town tomorrow to show why their system works so well. Gerri but it is being cut being forced to cut 3 million from its budget here is the president holding of the Cleveland Clinic to say we have a heck of a time. pat is looking at obamacare through a very narrow lens and a bigger impact whether the mayo clinic or Cleveland Clinic will be empowered to measure quality of care, to do this thing is that they need to. As a doctor there is a fundamental challenge they try to get them to implement Electronic Medical records to pull the data out to understand about the metrics of quality of care there is a lot of resistance in the long way to go with the adoption and success of the medical community. In the next couple of months there is another hurdle in terms of getting data out to engage coumers. The doctors dont have access to the information to get people to be compliant oro earn the benefits or rewards so it is a benchmark almost impossible to reach. Gerri we have so far to go you think that is a big problem . Think you for coming on to the show tonight have a great weekend. Not the only problem today but House Republicans get their way there wont be money to ilement obamacare passing a bill to defund the signature block keeping it up non funded through december in one of the people who voted yes from north carolina, from the great state might i add, good to talk to you. You have voted down obamacare about 40 times . That is right. Gerri you seem to be banging your head on a wall. I dont like obamacare but what is the point to defund yet again . It is clear on a weekly bais how destructive this bill has been alrdy. We have reports this week home depot, a walgreens and not hiring fulltime the 240,000 fulltime jobs were eliminated it is havingdous devg effect. Gerri but with walgreens theyre putting the employees into the private exchange not covering them the oldfashioned way which is a 40 yearold private system set up by employers. Critics including karl rove say at this point th will alienate the americans or independence to make goat f the Republican Party down the road. Max baucus said it is a train wreck the unions s it is nothing that they want it is time the democrats come clean and they have the opportunity to vote with the continuing resolution id like to news seek if mary will stay in e vienna to tell the people where they really sand. Gerri they havent yet so im not sure another vote will do it. You clearly have the pele ehind you whensked which would be better to go back to the 2009 system or the leave the new one overwhelmingly people said go back. This is not working you cannot keepour doctor or your program that cost will go up and st this week it will only cover half of the people. They told us it would cover 22 million but now it covers half of that now here we are with this price tag in all likelihood you will not be successful what will be the end gme of obamacare . The end game we believe real people ought to come to terms with reality looking at the exchangeshe software is not ready theyre not ready to implement. It is a train wreck as the more time goes along the more evidence is there it is a failed effort the be well intended but in its objective the cbo says 600 billion people now were promised they could keep their plan. Gerri we are up again a hrtbreak i have to let you go. Think you for explaining your point of view. Thank you so much. We will show you the best way to fire your Financial Advisor what to look for when shopping for a new home. Coming up. This man is about to be the millionth customer. Would you mind if i ahead of you . Instead we had someone go ahead of him and win fiy thousand dollars. Congratulations you are our one millionth customer. Nobody likes to miss out. Thats why ally treats all their customers the same. Whether youre the first or the millionth. If your bank doesnt think youre special anymore,e. You need an ally. Ally bank. Your money needs an ally. You need an ally. [ female announcer ] some peopleike to pretend a flood could never happen to them. And that their Homeowners Insurance protects them. [ thunder crashes ] it doesnt. Stop pretending. Only Flood Insurance covers floods. Visit floodsmart. Gov pretend to learn your risk. Gerri the Housing Market slows down in the fall with the kids are back to school the buying frenzy is over but our next guest says this time of year may actually be a buyers dream. So to give us tips if you are in the market for a new home sarah, welcome back to the show. Wewere talking how it is time to start thinking about this is a terrible time . I dont agree. With cecil discounts you dont feel fom that season and sellers may be more willing to negotiate on price system of your because the holidays are approaching , it is getting cold the days are shorter they dont want is sitting on the market to the holidays so they may be willing but on thelip side selection is limited because some s my way or the highway. According to the National Association of realtors with a break of 7,000 he will not have that in all of the market that better in the midwest 10,000 or 20,000. Gerri you say you get a 10,000 drake on average . Nationwide in the northeast, why not . If your interested in a bet and breakfast it is now time to putting your offer. For people to might be looking buthe reality is historically it is low. Looked at the growth forecast slow owth and mortgage r rates our low because of fact. Gerri se a search creative people dead in their mind what they want. Have a five month supply . And then they take their stuff off the market. Looking high and dry with the alerts sent to them even if they are en an mildly interested they justant to be averted when there is some sort of movement but in then i am a pottial buyer. A given us some context. If you are interested in buying a ski house where down in florida that is where people want to go this time of year he will not find these types of discounts but in some of those places why not . The demand picks up wheyou want to be there. But if you find a house that is not the Perfect Dream house it isaid good time to go to home depot they have great prices also it is a slow period for them. Gerri take you for coming on. That is interesting. Good idea. Part of the users guide to education we will look at getting the first job firing your Financial Adviser is one thing and we tell you how t do that the right way. Dont go away. Thank you orville and wilbur. Amelia. Neil and buzz for teaching us that you cant create the future. And with that youre history. Insteaof looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Youre not linda. Im filling in for officer owens. She used double miles from her capital one venture rd to take an early vacation. Buckle up. Ts go do cop stuff. [ siren chirps ] license and venture card, maam. Was i going too fast . Oh, youd be going twice as fast if you had double miles. [ male announcer ] get away fast with unlimited double miles from the capital one nture card. Freeze dont touch the face can i drive . Absolutely not. Whats iyour wallet . Absolutely not. Nascar is about excitement. But tracking all the action and hearing everything from our marketing partners, the media and millns of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagent center. Hps Technology Helps us turn milons of tweets, posts anstories into realtime Business Insights that help naar win with our fans. Nice car. Sure is. Make a deal with me, kid, and you cahave t car and everything that go along with it. [ thunde crashes, tires squeal ] so, what do you say . Thanks. But i think i got this. [ male announcer ] the allnew cla. Starting at 29,900. Gri . Charlie to fire Financial Advisor at some point everybody thinks about it so with your with clear steps how to decide how to do it we have the managing director it is great to have you back on the show. Has some point everybody gets a little angry or upset you were you dont know if theyre doing the right thing have you know, if it is timeto jump . F you start to think about it is time it is a vy important ing is your mey you are not comfortable ben looked summer else because it is the important Decision Just like it is to have a docto also a Financial Advisor. Gerri i like that analogy so first putting it into an email . That is okay . It is alwaysn the ugly situation but you made that decision and copy the Branch Manager because once you put into the email it is updated police seize all transactions from this point forward then at that point they will not buy or sell to create commissions the relationship is over once you hit the send button. Gerri andake sure they dont overcharge on transaction cost. E smart people dont understand when you say so my position not only do you say that but also say do not charge me more than 0. 10 per share on any stock and brokers make a disgusting amount of money to buy and sell bonds to tell them dont take more than a quarter a point even if you dont know what that means otherwise they may take two with 3 on the bond and you did not know which. Gerri you have to trust to verify but then make sure you dont donything that happens . Why do we do that . Do that as you transfer your account you will get it from the compliance manager because later you have some type of basisyou want information in one year later they will have been the chef and not try to help you. Gerri photocopy your file . That makes sense. Was the relationship is overit will be hard to get their permission plus you may halftimes were somebody was a beneficiary because it gets tough to get their attention so get it now with the breakup. Gerri get the data out the door. Thank you. Well done. Cong up our users guide to education was a look at alternatives and congratulations you graduated. Now what . Stay ted. announcer at scottrade, our clients trade and invest exactly how they want. With scottrades online banking, i get one view of my bank and brokerage accounts with one login. Toasily ve my money when i need to. Plus, when i call my local scottrade office, i can talk to someone who knows how i trade. Because i dont trade like everim with scottrade. Me. announcer scottrade. Awarded fivestars from smartmoney magazine. Gerri landing a job after graduation is one of the biggest concerns of our Nations College students and parents and grandparents who helped bankroll that education, too. Earlier as part of our u. S. Had to education, i spoke with pins state Carrier Services senior director. He was he runs one of the mostuccessful Career Centers in the country, and asked for is a vice constance approaching graduation and have a need to prepare. Some students think that the only way to get a job is simply to find a job announcements and apply for it. Simply go to career fair. It will be hired. It is not as simple as that. A university might offer job announcements, career fairs to on campus interviewing, all about tustin taking personal control with the help o the university ineveloping their goals and developing a good, proactive job search. Most since get their jobs by going out after positions. I used to say that the three most important turns in any job search are these, networking, networking, networking. Now, sang a working i dont endorse the average. Italian and who you know. Now working give stuntthe opporunity demonstrate what they know. So it is those skills that we like to really helps develop as they approach the job search. Gerri a lot of stuff going on. So what about those graates looking for work now . Joining me with cruise crucial job seeking advice, a live coach and author of the book twentysomething manifesto quarter lifers speak out on who they are, what they want, and how to get it. Welcome to the show. A lot of kids out there look at the Unemployment Rate and say, there are no jobs out the. That is not true, is it . It is not sure and all. Sometimes that can become an excuse, not to be proactive. Yo cannot just expect a job to show up becse you have a college degree. You have to be more creative, engaged in a jury finding a job like a fulltime job and so you get one. Gerri a lot of students think that will ill year i have this fancy degree and a market with a College Services pleant office. It is their job to lead me to a job. You say, you have to have your own brand. When youre 19 or 20 or 21, how do you establish a brand . It is very easy to do online. 1920yearold son better taishing an online brand than older people because theyre so technologically savvy. Easy to start of work website where you are posting things that relate to your degree or area of interest. Be careful what you put out there because a thing you facebook, tweet has updated permanence. You dont want your brand to be a party every night. Gerri thats exactly what i was going to say. A lot of students at pictures of that they should ner have had put up. It is all about networking. But that is one of those phrases. It is almost meaningless these days. People over use it so much. Wh you say you have to hone your networking skills, wt do you mean . Be specific when the network what exactly you are asking for. Don send someone to resonat in sin as to meet you at this event, if youre of any jobs, let me know. This is the area and looking in. I would love informational interviews. You know anyone who works in this field of a detective for 15 minutes, not to have them give me a job, which is to ask them for advice. Specific request the people know wh