Podcast appearances and mentions of ted rossman

Chuck Zodda and Mike Armstrong discuss big investors shifting away from US markets. Americans are finally saving almost what they're supposed to for retirement. 3 mistakes to avoid when investing for retirement. How airline fees have turned baggage into billions. Ted Rossman, Bankrate, joins the show to share the results from a recent tipping survey.

Ted Rossman of Bankrate looks at the numbers, and what is acceptable, what isn't, and that it is also part of the deal when it comes to some businesses

A new study from Bankrate found that 63% of Americans have a negative view of tipping, up 4% from last year. People think employers should pay more and there's backlash especially against tipping screens. Ted Rossman tells us more.

Ted Rossman, Bankrate Senior Industry Analyst joins Megan Lynch to talk how most of Americans fell tipping is out of control.

A credit card balance transfer can be a smart move when consolidating existing debt - but there's also a lot to know and consider. Ted Rossman, Senior Industry Analyst at Bankrate.com in New York joins Rob Hart on the WBBM Noon Business Hour to explain...

Laurence Kotlikoff, professor of economics at Boston University and the founder of Maxifi.com — which helps investors bring economics into their financial planning decisions — says investors who have spent decades thinking the stock market rebounds from every dip and decline could be in for a different story with a coming recession, and he thinks they should be trying to lock in their standard of living rather than focusing on historic rates of return. To that end, he says he has cut his personal equity exposure from 60 percent of the portfolio to 20-25 percent. "I do see only downside risk from what's going on," Kotlikoff says. "Even if there is nothing changed on average, the uncertainty itself is enough to produce a recession and a big drop in the stock market." Ted Rossman discusses a recent Bankrate.com survey which showed that more than half of Americans say they will spend less on discretionary items like travel, dining out and live entertainment, but he also notes how plans to limit spending often fail to translate into action and reality. Plus, Chuck answers a listener's question about how to turn the portfolio of his younger self into something more age appropriate and mature.

Almost a third of Americans say they'll go into debt just to take a summer vacation this year. Would you? Tommy talks with Ted Rossman, Bankrate Senior Industry Analyst

A new Bankrate study shows Americans claim they're cutting back on spending, but data from the Census Bureau says otherwise. Bankrate's Ted Rossman tells us more.

Are you planning to cut back on splurging for the fun stuff like travel and entertainment? We're talking with Bankrate Senior Industry Analyst about a recent survey showing 54% of Americans say they're planning to do the same.

Chuck Zodda and Mike Armstrong discuss Jerome Powell cautioning about higher long-term rates as 'supply shocks' provide policy challenges. Is it too late to save the US economy? Does it need saving? Netflix says Ad tier has more than 94M users. Trump says India offered to remove all tariffs on US goods. Ted Rossman, Bankrate, joins the show to chat about the household debt and credit report.

Buy Now, Pay Later... what to know with Ted Rossman from Bankrate full 497 Fri, 09 May 2025 11:50:00 +0000 BeZ6c0fSKtpUnSHOEhEkVehJCJrl4pQy news,wben,bankrate,buy now pay later,ted rossman,a new morning A New Morning news,wben,bankrate,buy now pay later,ted rossman,a new morning Buy Now, Pay Later... what to know with Ted Rossman from Bankrate Collection of LIVE interviews from Buffalo's Early News on WBEN 2024 © 2021 Audacy, Inc. News False https://player.amperwavepod

Ted Rossman, Bankrate Senior Industry Analsyt, joins Megan Lynch with a look at the programs.

Ian Wyatt and Ted Rossman discuss the Consumer Sentiment survey, which fell for the fourth straight month. The data is predictive, Ted argues, because it shapes purchasing decisions: consumers are stocking up, advancing purchases, and might pull back in the future. He thinks the data could push the Fed to keep rates higher for longer. Wyatt said what's “concerning” about higher expectations around inflation is the threat of “stagflation.”======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Bankrate's Ted Rossman joins Megan Lynch to talk about new travel numbers and if they have gotten too expensive for some.

A new study shows that less people are planning to travel this year... one of the reasons: people just don't want the hassle! Ted Rossman with Bankrate joins the show to discuss the findings in this new travel survey.

Americans are dealing with a record amount of credit debt, and tariffs could stress that further. We'll break down a new report with Ted Rossman, Bankrate Senior Industry Analyst

Ted Rossman, Senior Industry Analyst at Bankrate, joins Lisa Dent to discuss how the markets responded in response to the tariffs being paused by President Trump. Rossman reviews the factors that may have impacted the president’s decision to pause the tariffs. Then, Rossman talks credit card debt and how it is affecting Americans.

Credit card debt is at a record high for Americans. Bankrate's Ted Rossman tells us more.

Nintendo just announced that they're putting the brakes on the Switch 2 video game console.  Pre-order. The reason is Tariffs. With new reciprocal tariffs going into effect, tech devices like the switch may see a big jump in cost. Dave and Debbie break it down. Ted Rossman, with Bankrate joins the show to discuss how consumers are adjusting their spending habits. Adam Gardiner, Co-Host of Inside Sources joins the show to discuss the uncertainty that the Trump Administration is bringing businesses.   Update: President Trump has issued a pause on most reciprocal tariffs excluding China.

Shoot us a Text.Episode #1011: Today we're breaking down the early fallout from sweeping auto tariffs, Toyota's recalibrated EV strategy, and why Gen Z is ghosting credit cards.Show Notes with links:The 25% tariff on imported vehicles is forcing swift and varied responses from automakers, with some pulling back and others ramping up U.S. operations. The early shakeup shows just how disruptive the new trade landscape could become.Stellantis paused production at Canadian and Mexican plants and laid off 1,000 U.S. workers.Infiniti halted U.S.-bound production of the QX50 and QX55 “until further notice.”VW stopped rail shipments from Mexico; Audi is holding vehicles at U.S. ports post-tariff. JLR is temporarily pausing US shipments.GM is boosting pickup production in Indiana, and Mercedes may shift another model to Alabama.Ferrari and Ineos raised prices up to 11%, while Ford and Stellantis launched deep discounts to keep buyers interested.“Consumers will feel financial pain faster than they will see new jobs,” warned S&P Global's Stephanie Brinley.Once criticized for lagging in the EV race, Toyota is charting a new path with more in-house models and global production—but with tempered expectations. The automaker is still prioritizing flexibility as it balances EV growth with its hybrid-heavy portfolio.The Japanese manufacturer aims to launch 15 internally developed EVs by 2027, including several Lexus models.New production sites in the U.S., Thailand, and Argentina are planned to hedge tariff risks and improve delivery timelines.The target is 1 million EVs per year by 2027—down from earlier projections of 1.5 million by 2026.In 2024, Toyota sold just under 140,000 EVs, less than 2% of its global volume of over 10 million vehicles.A new survey reveals Gen Z's growing distrust of credit cards, with many opting for debit, cash, and peer-to-peer options instead. High APRs, confusing terms, and debt fears are driving a generational payment shift that could reshape future retail habits.68% of Gen Z say credit card bills cause stress; 51% say cards give them the “ick.”Debit (68%) and cash (67%) top Gen Z's preferred payment methods—only 35% use credit cards, with 82% of respondents overall saying credit cards are “financially dangerous.”57% of Gen Z admit they don't fully understand card terms, and 53% have been surprised by interest charges.“It doesn't make sense to pay 20%, 25% or 30% in interest just to earn a few percentage points in cash back,” said Ted Rossman, Bankrate senior analyst.Join hosts Paul J Daly and Kyle Mountsier as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Ted Rossman from Bankrate offers advice for those dealing with credit card debt to Megan Lynch.

Chasing credit card rewards points seems like a swell idea when you're signing up for a new card but may cause more problems if you are already battling debt. Ted Rossman with Bankrate shares why chasing these rewards can be bad for your budget.

Americans with checking and savings accounts have kept the same account for an average of 19 years, according to a new survey from Bankrate. Ted Rossman tells us more.

Ted Rossman notes that the odds of a rate cut in May have risen as the job market begins to show cracks. He says any weakness in private payrolls is concerning since the market already expects weakness in government jobs. He also looks at consumer concerns around inflation.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Ted Rossman, Senior Industry Analyst, Bankrate joins Megan Lynch to look at the 1st 40 days of the 2nd Donald Trump Presidency, and its impact on your wallet.

We talk with Bankrate senior analyst Ted Rossman about how President Trump's first 40 days have affected you and your pocketbook.

* We talk with Bankrate senior analyst Ted Rossman about how President Trump's first 40 days have affected you and your pocketbook. * It's Lundi Gras! We check in with Arthur Hardy one more time this Carnival season for a Lundi Gras break down.

Jeff Rosenkranz fixed income portfolio manager at Shelton Capital Management — manager of the Shelton Tactical Credit Fund — says that what investors are facing more than sticky inflation and interest rates is sticky uncertainty. That doubt has increased volatility, especially in individual companies, industries and sectors as proposed tariffs play out, but that turbulence represents new opportunities for credit buyers, especially in intermediate term corporate and high-yield bonds. David Trainer of New Constructs puts Spotify back in the Danger Zone, noting that a recent pop in the company's stock price has inflated to the point where valuations reflect revenues so unrealistic that a 50 percent haircut in the stock would be considered mild. Plus, Ted Rossman discusses a Bankrate.com study which shows that more than 80 percent of Americans spend money on at least one of six common financial vices (alcohol, lottery tickets, casino games, tobacco/cigarettes/e-cigarettes, sports betting, and marijuana/recreational cannabis), and Scott Davies, chief investment officer at CDAM, talks small-cap stocks in the Market Call.

#ThisMorning on #BRN #Finance #1985 | A BIll to Cap Credit Card Interest Rates at 10% | Ted Rossman, Bankrate  | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

Chuck Zodda and Mike Armstrong explain why millennials are to blame for the rapid rise in single-family rents. Ted Rossman, Bankrate, stops by to share his insight into rising credit card debt. The jobs are there but America must now create the workers. Paul LaMonica from Barron's joins the show to chat about Palantir.

Ted Rossman and Sucharita Kodali react to January Retail Sales missing expectations. They both see upside in the year-over-year numbers despite the month-over-month decline. Ted highlights bars and restaurants' strength as a key point of consumer discretionary spending. Sucharita calls layoffs “isolated cases” and says she's not concerned about the overall job market.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Ted Rossman, Financial analyst at Bankrate, joins Karen Conti to discuss a new study that showed that credit card debt is at an all-time high. Ted also shares tips on how to reduce debt. 

Ted Rossman, Senior Industry Analyst at Bankrate, joins Lisa Dent to discuss their latest survey on spending. The survey shows that more than four in five Americans spend money on alcohol, lottery tickets, casino games, and more.

Ted Rossman, senior industry analyst at Bankrate.com, joins Lisa Dent to breakdown details pertaining to a survey that states that 2 in 5 Americans in a relationship have kept a financial secret from their partner. Listen in while Ted shares which generation commits financial infidelity more and also shares some advice on how to set healthy […]

Financial infidelity can be a problem within many relationships. New data from Bankrate shows that 40% of Americans in committed relationships have kept financial secrets from their current partner. Ted Rossman, Bankrate Senior Industry Analyst joins the show to discuss the data and how to move past financial infidelity.

Brad McMillan, chief investment officer for Commonwealth Financial Network, says that  investors are nervous and have plenty of worries, but that there is a disconnect between those negative thoughts and what's actually going wrong because conditions continue to look good and be mostly unaffected by the worst things investors are scared of. That's a big reason why McMillan is optimistic now, noting as well that "The worse the rest of the world looks, the better we look because there's nowhere else to be;" while he expects heightened volatility, he also expects stocks to deliver low double-digit gains again this year. David Trainer, founder and president at New Constructs, puts the entire utility sector in the Danger Zone, noting that the vast majority of companies in the sector are unattractive or worse. Ted Rossman discusses a Bankrate.com study showing that nearly one in four rewards cardholders left free money on the table last year. Plus Jon Wolfenbarger, founder and chief executive officer at BullAndBearProfits.com, brings his stock and ETF strategies to the Market Call.

#ThisMorning on #BRN #Finance #1960 | 48% of Credit Cardholders Carry Debt Month-to-Month  | Ted Rossman, Bankrate | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday | #Subscribe with #DiscountCode ‘BRN20'

Eddie Yoon says consumers are bracing for an expensive year. He cites grocery inflation and tipping culture pressuring wallets. Ted Rossman notes that consumer sentiment is still significantly lower than pre-pandemic, and rates are hurting the everyday American. They also cover housing costs and credit card debt. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

In this episode of the Inspired Money Live Stream Podcast, we discuss how emotional spending affects your financial health and the strategies you can use to break free from it. Our panel of experts includes Dr. Preston D. Cherry, Chi Chi Wu, Ted Rossman, and Rocky Lalvani, who share actionable tips to help you master your credit and regain control of your finances. Understanding Emotional Spending and Credit Emotional spending often leads to poor credit habits and increased financial stress. The key to recovery is understanding the connection between your emotions, spending habits, and credit score. This episode breaks down the impact of emotional spending and offers practical solutions to help you rebuild your financial confidence. Episode Insights What is a Credit Score? Our experts discuss how credit scores are calculated and the impact they have on financial opportunities. How Emotional Spending Affects Credit: Learn how emotional decisions can lead to overspending, missed payments, and lower credit scores. Actionable Strategies: Discover tools to monitor credit, manage debt, and develop healthier financial habits. Building Credit for Long-Term Success Mastering your credit starts with understanding its components. Chi Chi Wu explains how credit reporting agencies work and the importance of regularly reviewing your credit report. Errors in credit reports are more common than you might think, and addressing them quickly can save you money and stress. Key Takeaways: Check your credit report at least once a year. Dispute inaccuracies promptly. Focus on maintaining low credit utilization and making on-time payments. Tools and Tips to Improve Your Credit Improving your credit doesn't have to be overwhelming. Ted Rossman shares tips for fast improvement, such as using secured credit cards and becoming an authorized user on someone else's account. Dr. Preston Cherry emphasizes the importance of budgeting and building healthy financial habits to support long-term credit health. Avoiding Credit Pitfalls Credit misuse can have long-term consequences. Rocky Lalvani highlights the risks of emotional spending and credit mismanagement. Store cards and deferred interest plans may seem tempting but can lead to high-interest debt if not managed carefully. Our panel offers advice on avoiding these common traps. Credit Scores and Major Life Decisions Your credit score plays a crucial role in major life milestones like renting, buying a home, or securing a loan. Chi Chi Wu discusses the dangers of short-term loans and how they can damage your credit. The panel also addresses how aligning your financial goals with your credit strategy can improve your overall financial well-being. Protecting Your Credit Scams and fraud are growing threats to credit health. Chi Chi Wu explains how freezing your credit can protect you from identity theft, while Ted Rossman offers tips for securing your accounts and safeguarding your credit profile. Key Takeaways: Freeze your credit if you suspect fraud. Monitor your accounts regularly. Teach your children about credit early and consider freezing their credit to protect their future. Meet Our Esteemed Guests Dr. Preston D. Cherry, AFC®, CFT-I™, CFP® Founder of Concurrent Financial Planning and author of Wealth in the Key of Life (Wiley, 2024), Dr. Cherry helps individuals align wealth with well-being. Learn more Chi Chi Wu Senior attorney at the National Consumer Law Center, specializing in consumer credit issues and advocating for transparency and fairness in credit reporting. Learn more Ted Rossman Senior industry analyst at Bankrate, helping consumers navigate credit cards and personal finance. Learn more Rocky Lalvani Founder of Profit Comes First and host of the Richer Soul podcast, empowering small business owners to achieve financial success. Learn more

Chuck Zodda and Mike Armstrong discuss how the Biden Administration is trying to ensure AI advancements stay in the US. Ted Rossman, Bankrate.com, joins the show to chat about Americans credit card habits. 41% of companies worldwide plan to reduce workforces by 2030 due to AI. Could finding a new job finally get easier in 2025? When we self-driving cars be able to handle the snow?

Ted Rossman, a Senior Industry Analyst for Bankrate, says credit card debt is 'usually is something necessary,' like payments for a medical bill or a house or car repair. He says 53% have had the credit card debt for 'at least a year' The average credit card balance is about $6400 in the US according to TransUnion. He was on with Megan Lynch.

Nearly one-in-four credit card rewards holders left free money on the table in 2024. We get the details from Ted Rossman with Bankrate

Americans will spend over $10 billion on unwanted gifts this year, and 53% of us will get at least one present we don't want. We'll talk with financial expert Laura Adams about the problem. Nearly one-in-four credit card rewards holders left free money on the table in 2024. We'll get the details from Ted Rossman with Bankrate. Do you take advantage of your credit card rewards?

Anthony Ferry and Ted Rossman discuss the November Retail Sales report. Anthony also talks about holiday shopping, saying his data shows consumers are really looking for deals. Ted agrees, saying inflation is “holding people back,” looking at credit card interest rates and debt. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Chuck Zodda and Mike Armstrong discuss Dollar stores flashing a warning sign on lower-income consumers. You home-insurance bill has only one way to go, up. Ted Rossman from Bankrate joins the show to chat about holiday tipping. Comcast and Warner Bros. Discovery are rearranging their businesses for mergers and acquisitions. Paul LaMonica from Barron's joins the show to talk about Walmart's outstading year.

Segment 1: Ted Rossman, Bankrate.com Senior industry analyst, joins John to talk about a new Bankrate survey that shows 4 in 5 tippers just want to say thank you this holiday season Segment 2: Dennis Rodkin, residential real estate reporter for Crain's, joins John to talk about a number of his recent stories including JB Pritzker’s property tax bill, and Chicago-area […]

Ted Rossman, Senior Industry Analyst with Bankrate, takes a look at what to expect after Pres Elect Trump takes office next year, with Megan Lynch. © Mike De Sisti / Milwaukee Journal Sentinel part of the USA TODAY NETWORK / USA TODAY NETWORK via Imagn Images

Chuck Zodda and Marc Fandetti discuss Fed's John Williams comments about inflation cooling and interest rates coming down. Ted Rossman, Bankrate, joins the show to chat about holiday shopping trends. Will mortgage rates and home prices go down next year? Paul LaMonica, Barron's joins the show to explain why investors love Live Nation even if consumers hate it. 

Ted Rossman says that since the Fed cut rates, mortgage rates have actually climbed. He adds that the “golden handcuffs” of homeowners locked into lower mortgage rates will eventually break as people are forced to move for one reason or another, adding supply to the market. He notes that while credit card balances and delinquencies are up, banks aren't very concerned about it yet. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Jerremy Newsome, founder at Real Life Trading, says he thinks the stock market has entered another period like the Roaring 20s of a century ago, and while that period ended withthe start of the Great Depression, Newsome says he thinks "we're in the middle right now. ... I see that we have truly three to six good years left of overall, bull sustainable markets before we have that big, big, big meltdown." Jeffrey Hirsh, chief executive at Hirsch Holdings — the editor of the Stock Trader's Almanac, which is known for researching how the presidential election cycles impact the stock market — says he sees the current bull market running at least until the mid-term elections in 2026, and he notes that a Republican president at a time with a Republican-led House and Senate typically tends to result in strong market times. While not the best combination — which occurs when a Democrat is in the White House but Republicans control Congress — conservative policies generally favor the markets. Plus, Ted Rossman, senior industry analyst at Bankrate.com, on a study showing that more than half of Americans made at least one impulse buy last holiday season, driven more often by pursuit of "a good deal" rather than a treat for themselves, and Chuck answers a listener's question about "the biggest risk we are facing today."