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Would for your employees, show up at 9, leave at 5, then the line gets less blurry. it's when you start to give that person projects that you know, yes, i have you doing the website but i want you to start updating these other documents, i want you to own our data base project and i'd like you to create a social media program for us and now suddenly that person is consuming all or most of their time working for you. now they lost other clients, you have become the only client, you started to become the employer in the eyes of the government. >> that's the other checklist, are you the only clie...

You like you would your employees, show up at 9 and leave at 5, it's less blurry. it's when you give them projects you know, yes, i have you doing the website but i want you to update other document, i want you to own the database and now suddenly that person is consuming all or most of their time working for you. now they have lost other clients, you have become the other client, you have started to become the employer in the eyes of the government. >> that's the other checklist, right? are you the only client or do they have many? >> we don't know from the independent contractor, we don't si...

there on christmas day. the white house condemning these blasts. nigeria's president calling an end to the sectarian violence voug to catch those responsible. churches also bombed in nigeria last christmas season. more arab league observers are on their way to sir yeah here's why. an opposition group says security forces killed more than 20 people in the city of homs today. the observer planned to go there. u.n. says more than 5,000 people have died since syria's crackdown on protests began in march. a suicide car bomber in iraq got through six security check points before settin...

years working with you. as i said, we will always be friends and i look forward to seeing you in new york. >> i will see you there soon. >> the next chapter. >> one more day. i'll be here tomorrow. >> so will i. i'll see you then. t.j., thank you very much. good afternoon, i'm alina cho. fredricka is off today. it's saturday december 24th. thanks so much for joining us. two big stories today. politics and the christmas eve shopping crunch. in virginia, two candidates not making it onto the ballot. newt gingrich and rick perry. what happened? and last-minute holiday shopping. will i...

2012 can be the year to take control of your finances again and end the year in better shape than you started. that is our goal, folks. stacy francis is the ceo of francis financial and john is president of consumer education at smart credit.com. welcome to the program. good morning. >> good to be here. >> john, we don't want to add more credit card debt. we don't want to end this year and go into 2012 with more credit card debt on top of the debt from the year before. how do you get a grip on this situation, your credit situation here? >> all that stuff you're going to open under th...