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All-time lows. freddie mac saying the rate for a 30-year mortgage is at 3.53%. while the rate for a 15-year is at 2.83%. so is now the right time to switch up your mortgage and how much will you really save? joining us from nashville, tennessee, is personal finance expert dave ramsey. good morning, to dave. >> good morning, how are you? >> anna: fantastic. you say that there's a huge difference between this 15 and 30 year mortgage and you say always go with the shorter. >> always go with the 15 year fix. the difference monthly is almost nothing and obviously we just saw the screen there that t...

I can see people going to macy's and if they are charged they could switch over to lord and taylor. ought stores ought to be intere. >> a woman not article was saying if it goes from 3.75 percent, she has to pay for a transaction, 2.75 percent, that is an extra for every $100. it is huge. all it is the second or third biggest business expense of doing business, of transactions, for small retailers. it does fake its toll. >> as you mentioned, a district judge has to approve this and not all the retailers are in favor and if enough of them oppose it, what happens? >> if it falls through we are, ...

Minimum wage little or above. it is $7.25 federal. that's $2.75 less in inflation adjusted figures than it was 44 years ago. in 1968. and so if you want more money for consumer demand in a recession economy to create jobs, that's one way. bring the minimum wage up to where it was in 1968. if you want to end the wars and bring the soldiers back home, you release many, many billions of dollars to repair america, it to create good paying jobs, restoring and repairing public works in an america that can't be exported to china. >> do you think the president has a better chance of winning now given ...

jong-un pubically mourned his father, state media referred to him as head of the ruling party. sunday a group of visiting south korean visitors met with the assembly. two swedish journalists have been sentenced to 11 years in prison in ooet yoethiopia. they were found guilty of supporting terrorism. britain's prince philip will leave hospital today. a buckingham palace says the 90-year-old will rejoin the queen and members of the royal family. prince philip spent christmas in hospital following a successful surgery to open a blocked artery in his heart. those are the top stories....

explosions in kenya that killed 1 and wounded 20 others. the blasts come two days after the u.s. embassy in kenya warned it had credible information of an imminent terrorist attack. a bright moment in turkey. a young boy was among a handful of people found alive in the rubble after sunday's devastating earthquake but the country's disaster and emergency administration has just raised the death toll to 366. the defense is set to call more witnesses tuesday in the manslaughter trial of michael jackson's doctor, conrad murray. its first witness was another physician who said jackson a...