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look out, according to consumer union buyers using the wireless devices get fewer legal and financial protection. joining us now, richard salvo and founder of the richard salvo consulting and former managing director of morgan stanley. good to see you. >> you, too. >> arthel: what they are doing is they use the cell phone, mobile device, e-books, et cetera, to charge to your phone bill? >> that is correct. >> arthel: really? so you are saying that is not necessarily a good idea? >> it's not a good idea. it's convenient. but since when is always convenient necessarily a good idea? we go along and use our phone. get an app, and download, buy cup of coffee or whatever, any services. but unfortunately it doesn't carry the same consumer protection law as your credit cards. so the demand is not there yet, amid the technology that is needed. it doesn't connect yet. >> arthel: so you are saying if you are going to use the mobile payment, the mobile
broken you may have a hard time getting your money back. >> arthel: though we are all looking forward to living forward n the day of "jetsons" the technology is not there. it's not locked in and synced in with the consumer protection. >> correct. the convenience is there. that's it. give it time. we all want this to be the panacea for life. not yet. that's all. end there. >> arthel: finally, i think you want to make one last point about cell phones. especially around the holiday season. >> i did. thank you. as i was driving in today, i saw so many people doing this. they were driving. i want you to know, last year there were 6,000 deaths related to people and cell phone driving. in the spirit of what we're trying to do, we know it's become important to us but use it with pause. caution. >> arthel: not more important than anybody's life. rich, thank you very much. >> you're welcome. >> arthel: great. rick? >> rick: thanks very much. a new call for passenger
linking if you will, better way to go instead of charging it to your phone bill, put it on a credit card. >> correct. perfect world, the technology today, get my prompt. it could take this phone, right and you will see now i'll be able to swipe it soon. until that happens and it's a common occurrence for all of us, better off using a credit card. that has all the protection you want or liabilities. if you don't like the purchase or something is broken. even the roadside assistance, it doesn't give you that. >> arthel: what about perhaps linking the mobile payment to a debit card or your bank account? >> that is fine. that is fine. there you don't have the debt inyoincurred and you have more protection. but again, still be careful. if it does happen you don't have the same consumer rights as you do when you have a credit card. it's very specific laws an things that happened through the years to create consumer right for you. this is a convenience. i'm take my consumer
tries to nudge you outside your comfort zone. when the little leaf icon pops up on the screen, you know you are conserving energy. >> save 5% of energy for that time period when the leaf is up, as opposed to 72, which might be more comfortable. but you will save money, 73 is not that big of a difference for your comfort but could save a lot of energy. >> the first batch of these thermostats sold out fast. the company says that is because more people want an easier way to program their thermostat, which controls 50p of their home's energy use. forget the clunky beige box. this has a touch screen, interface and rotating click wheel. move it up or down to set the temperature and it has built-in wi-fi so you can see how much energy you can use with the app and how much you conserve and change settings from anywhere in the world. now, with the click wheel