The Money Issue 8-6-2017

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Learn more@edwardjones.com good morning, Polly is off today Hopson and this is a special edition Sunday morning the money as you walk, how we spend all earn our money. But we all earn good incomes if our country becomes an automation nation. That's the question David Pogue will consider in our cover story with robots getting cheaper and software getting smarter delicate perfect every time. Any job safe.

This technology is not just coming for the unskilled or even entry-level jobs but potentially much higher level job on Sunday morning to take our jobs. Can we all just get along many happy returns as more than a birthday greeting the guiding philosophy and many of our biggest retailers that has been checking out American shoppers returned more than $200 billion worth of unwanted every year hear about the lady who tried to return our to Land's End or the guy who took his snow tires back to Nordstrom's. The snow tire story true, that is a true story. Go years or 50 bucks back later on Sunday morning. We're taking it back is our lighthearted description of a TV actress turned this woman. You may remember Jaclyn Smith from her days as a different sort of Angel John Blackstone as her story. Charlie's Angels, Jaclyn Smith. In the 1970s, but now you know her name because it's on so many labels at Kmart surround blouses the secrets of celebrity from one of its pioneers.

On Sunday morning trending probably even as we speak.

Online videos to become an Internet sensation turns out these little videos are big business. As Barry Peterson show us just years ago. We spent hours with Bogart recall today the Internet over this video of a red herring down the stairs of the subway station will use surround at first know all the pizza became famous coming up on Sunday morning the sweet smell of success is arch of Utah entrepreneurs who are taking their best ideas and making a fortune. Susan Spencer has found some colorful cases in point. This was my favorite color. Rick has been puttering around with potty. His entire adult life and now he has a multimillion dollar business to show for it in your wildest streams you ever expect this to take off like it never ever ever ever unlikely success story.

What you think you could sell this for hundred and $25. We are to have 350,000 users all around the world this Sunday morning will have those stories and a lot more work featuring radio and TV personalities. Talking business support team and played our country is on the road to becoming an automation nation literally on the road. Our money should cover story from David Pogue of Yahoo finance Tony Hughes has been a long haul truck driver for more than today. All he has to do is sit back and relax okay were hauling 20,000 pounds of freight down the Florida Turnpike in a self driving truck is been retrofitted with a self driving kids made by Starsky robotics project to Ari and Stefan Saltz ox marker the company in 2060. Sometime towards the end of the year. This year's it's not his company. It might be struck made headlines last October by driving itself across Colorado to deliver a shipment of beer. Otto is owned by Huber, which has also been testing self driving taxis in Pennsylvania and Arizona. But here's the thing once our trucks and taxis drive themselves what will happen to the people used to do those jobs in the US that's 180,000 taxi drivers 600,000 drivers in 3 1/2 million truck drivers who really need to start think very seriously about this Martin Ford is the author of rise of the robots. This is it.

He says, driverless cars and trucks are just the beginning of a wave of automation that will threaten millions of jobs in every industry at once, like America's nearly 5 million store work.

Amazon is testing its first Amazon go grocery store in Seattle.

The company says shoppers there will soon be able to walk into the store take what they want and walk out again without ever encountering an employee sensors will detect what you take and bill you automatically cashiers are totally gone, you end up with the equivalent of Walmart with you know a handful of employees scale that out and just extraordinarily you name and occupation, and there's somebody considering a robot to take it over.

Delicate perfect every time at Zoom pizza in Silicon Valley. Specialized robots help make the pizza. Eventually, the company plans to replace the remaining humans on the line to your resume's chief technology officer Josh Goldberg, you think there is some room in this assessment say is not done since our ancestors, the world changes the common wisdom that robots primarily threatened collar jobs not so says Martin Ford, or seeing dramatic advances area in computers analyzing tumors recognizing medical scans mammograms fine disease seeing you algorithms move into areas like journalism, for example, certainly not journalism know that's absolutely journalism by one account every 30 seconds. There is a new story published on the web or maybe in a newspaper that's machine generated algorithms are even threatening the masters of the universe's earlier this year BlackRock the world's largest money manager announced that is laying off dozens of human stock pickers and replacing them with robots by 2025 across the financial industry.

Artificial intelligence is expected to replace 230,000 human workers bring on the disruption that is automation Alicia, we sell is the chief information officer at Goldman Sachs. The company now hires nearly as many computer engineers as financial workers. Washington would've been barking by phone but that's another going click click click.

See the famous Goldman Sachs trading floor well 1/4 of these people are traders there coders writing software to automate the routine grunt work of employees all across the company someday could softer replace the functions of these folks that's a great question. I don't think anybody knows the answer. All right we get it. Who job is safe, according to one recent study, 47% of American jobs could be lost to automation in the next 20 years.

Martin Ford says it's time to start thinking about what was going to live on the post robot economy. One of the best ideas out there some kind of universal basic income are guaranteed minimum income, and this is where everybody gets. But, say $10,000 a year just for being alive right I think a better way to think of it is in terms of the idea that we built this tremendously prosperous society.

Everyone ought to have.

If you're a citizen at least some sort of ownership stake in this. The purpose of having a job is not just to have income also meaning and purpose in the place to go every day. That's right, that's can be a real challenge is a challenge with the song.

But wait, most experts agree that automation will soon take over millions of our job but they don't all agree that will mean mass history has just that the pessimists have been wrong. Time and time again including MIT economist David R know the last 200 years we've had incredible amount of automation. We have tractors that do the work that horses and people used to do on farms, so we don't dig ditches by hand anymore. Pound tools out of wrought iron.

We don't do bookkeeping books, but this has not yet reducing out of employment.

He also points out that the changes won't happen overnight. I'm sure 20 years from now, almost no one will be driving a vehicle. Young people are forward-looking and is a will. I guess I'm not can have a driving career. So I'm not to go there except that these young people might think well maybe I'll go into retail that's also going away will. Maybe I'll be a chef but that's also going away will maybe will be a paralegal. But that's also going to list the following thought exercise. It's your 1940% of all employments is in our culture right and so some twerp economist from MIT teleports back in time to farmer Pogue here and says hundred years from now only 2% of people working in our culture. What you think the other 38% of people are going to do what I would know it was AO search engine optimization health and wellness software and mobile devices.

Most of what we do rarely exist hundred years ago. In other words, just because we can't predict what will be doing doesn't mean will be doing nothing and sure enough, despite having replaced so many stock traders with software Alicia. We sell says that Goldman Sachs still employs the same number of people and that their jobs have been enhanced by automation and all of a sudden that young person is engaging with the client on their actual problems rather than being stuck to one. I am doing nothing but manning several different spreadsheets and try to corral all this data together you'll hear the same argument at Starsky robotics.

Its trucks will self drive only on the highways. The company will still employ human drivers, but they'll sit in front of screens driving the trucks by remote control. Once they're off the highway and if Tony Hughes can keep his job without the weeks away from that aspect of my life better if you get violence so this is might my last human driver.

I had to ask will you will I like to see a robot that way.

If you're not getting miles well taken work in the financial industry. I travel a lot. Most of us have miles to go before we earn a trip. Thanks to a frequent flyer program which brings us to this report from Anna Warner when we caught up with Cincinnati residents Dan Miller and his wife Carolyn there's kids ready for a spring break trip to California sounds expensive right thought I would say will manage to take this trip for probably $500 500 bucks for a family of eight for a week or families been able to travel the world on a computer programmer salary is here. Read the places that I've been using airline miles or credit card point okay credit cards. I would say between my wife and I we probably have maybe 40 cards for you a couple of years ago for Christmas.

My kids made me this is not your average car user though is that Miller got so good at this card game he started writing a blog called points with the crew. You don't have to be as crazy as I am. I like to tell people if you do it right, you can really with one or two additional credit card sign-ups you can take your family somewhere for for free using those miles really add up. I was a tens if not hundreds of thousands of dollars over the course of the last couple years. Surprised, I am telling you are literally throwing money away.

You're not getting miles he should know.

He's my brother Aaron brought me on board and introduce me to my three cubs which to be honest was a bit smaller than I expected. One who turned a lifelong passion for travel into a website that gets over 3 million views a month from fans eager to learn his secrets.

The first thing to do if you want to have a good miles appoint strategy is to get the right credit cards.

These are not frequent flyer programs anymore.

Frequent spender programs for the credit card companies to do that.

That's a huge business of the credit card companies charge merchants for every time you swipe your credit card. The merchant is paying the credit card issuer for the ability to process a transaction than the credit card company takes you back portion of the in the form of rewards lines make out to getting roughly their profits by selling miles to credit card company use them as incentives to get consumers to sign up for their cards, often with huge sign-up bonuses. I view it as a way for the common person who can't afford $10,000 first lawsuit.

You can book it using miles appoint everyday people can travel what millionaires are going next couple of months the other hand, both men worn their readers.

Everyone should play this game if you're in debt, don't pay off your card balances every month. This game will not deal you a winning hand. You absolutely have to have financial discipline. No amount of rewards that you're getting are going to offset the 25% interest that you're paying on your credit card balance but it's been an expensive way to offer his kids a valuable lesson. People are just people, whether it's in another state or city. Another country, people are pretty much the same letter were you go and being able to see that I think makes a big difference. Good point.

Don't pay off your card balances in full every month. This game will not deal you a winning hand. You absolutely have to have financial discipline.

No amount of rewards that you're getting are going to offset the 25% interest that you're paying on your credit card balance but it's been an expensive way to offer his kids a valuable lesson.

People are just people, whether it's in another state, another city another country, people are pretty much the same letter were you go and being able to see that I think makes a big difference. Good point. It's no stretch to say that Aaron Mueller, Rick's stock.

One party feels great in your hand you play with it for hours.

His first love was classic silly putty that soon got old I started researching is a way to make this more beautiful, more fun, which is how Aaron, a computer scientist by day became a mad scientist by night you taught yourself chemistry to improve silica. I taught myself enough chemistry to create thinking putty is neon flash crazy errands thinking putty that is puttering with putty. He experimented with colors and textures in his basement, then get to work I would bring a box keep it under my desk and people come over and they would say hey can I get 1/2 pound of orange like a drug that would put it in a Ziploc bag and off they would go soon, he launched a website then he had the front page of the Wall Street Journal in a feature on for jitters who play with putty.

What is your target audience.

People working at a desk just like me.

Adults. Adults today fans of all ages are putty in his hand when exactly is it from a chemistry standpoint, it's a silicone rubber on any given day, you'll find 25 tons of it losing around his factory near Philadelphia and up to 15 bucks at 10 errands, putty is a multimillion dollar world wide business so you can reflective liquid last class is clear more than 50 varieties include kids sometimes use it as a night like glow-in-the-dark snake charmer trick and magnetics think of this stuff, but perhaps Aaron's most magical moment his decision to employ people with physical and intellectual disability, some 800 able to make it work. People that really love what they do.

Now you have a loyalty of very nice twist to an unlikely success story when somebody asked you what you do for a living when you say putty maker professional kid professional. I like that when it's not your birthday. You can expect to hear many happy returns at plenty of retailers. It's a policy that makes a lot of sense and dollars to Tracy Smith. Does the man bought sora school uniform.

You probably know Land's End and if you've ever tried to return something there their policy to love it forever get a refund. No time limit to be hard to make any money that way.

But Land's End has turned a corporate policy into an empire is over millions were headquarters and Dodge Bill Wisconsin is a kind of airplane hangar quality to it. Here customers worldwide can order up with a pair of pants custom ham, even monogrammed with their name and if they ever fall out of love with it and mail it here. Someone like Marie Miller will take it back. Even if it's been well used policy so I could wear it for 10 years, Kelly Ritchie, customer services, now you think that the customers feel so loyal that they don't teach you are cut credibly loyal and we have such strong relationships customers that our return rate are really within industry standard is just not a problem. Return policies in general can be opportunities for the unscrupulous like people who buy something where it once and return it something known as wardrobe National retail Federation says return fraud cost companies more than $9 billion last year.

And companies like L.L. Bean are reportedly rethinking their generous return policies. Land's End says they're staying the course. I like to believe that our return policy builds trust and loyalty customer pricing that they've tested the limits.

For instance, this black cab was offered in the 1984.

Christmas catalog and authentic London taxi stopped with a grand worth of goodies. It sold quickly, but 20 years later, the owners wanted to return it. Yep, they took it back and refund their money. $19,000. Impressive sure that their psychology behind all this, would you tell a story is a good idea to have. Yes, I would.

What's more, says USC marketing professor Valerie Fulks the more liberal the return deadline better. If you're on deadline, you're more likely to return it and if you're not if you have a close deadline, yes. But if you're thinking that this deadline is being six-month in the future. Think about these things as much, and after all, let's face it, often times we don't follow through on what we plan to do so for certain companies. Easy return policies makes sense and some have become the stuff of legend outdoor gear seller. REI reportedly took back a used baby carriage because the mom said her children and outgrown a Cosco customer is said to have successfully returned in bottle because the line inside had her and the story goes, the luxury department store Nordstrom once to a set of snow tires to keep the customer happy and they don't even sell snow tires is the snow tire story true, that is a true story. We open a store in Burbank Alaska in the 70s in a building that had previously been a hardware store and a customer came to return to tires they bought in the hardware store and so here you go.

Here's your 50 bucks back, Jamie. Nordstrom is the company's president of stores. He says that his employees are allowed to do whatever it takes, within reason to keep shoppers happy. I think part of having a more liberal return policy conveys to the customer. We trust them, and we appreciate your business or both of them Nordstrom believes in the good of mankind, but with we do think people are generally good and fair and that's been our spring for a long time and we think that if we do our part due to good job for them will return it by the world's retailers also know that once you actually get something home much more likely to keep it. It's called the endowment effect in the sense that there's an endowment effect which says that losses loom larger than gains. What that basically means is that if you have something hurts to lose it, and that's where returning an object that you own feels a bit like a loss. So once I have that blouse in my closet. I feel like it's mine and I'm losing it. If I get back in exactly the course once you're in the store returning something probably buy something else, go ahead, you can always get back. Just slice of life featuring radio and TV personalities. Talking business support team and played trending is what social media watchers say when a video goes viral and where the reviewers there's money to be made. As Barry Peterson demonstrates this girl freak down my baby slathered yeah sure you see mom to Baltimore received over hundred and 50 million views and there's no doubt about that.

While we watch Johnson's dogma was striking gold turning viral videos from laughs five years ago you found. You can use teamwork 24 seven Los Angeles, New York, lump when it's good you can find who shot makes an exclusive do you know the market of the video to late-night talkshow or the local church splits the fees with the video as little as a few hundred dollars to thousands and thousands of dollars we pay for people's colleges, family vacations, family trips, holiday gifts, months or years opportunity you will be paid every single time someone else license that we paid over $10 billion video watch for everything.

We got a really popular video and start ringing bells lot activity yesterday.

The Internet over this video) down the stairs of the subway station.

This feel like lightning in a bottle aspiring actor little viral history September 2015 when his phone captured just another surreal New York City mom instantly became future rep. It did give me more money for the least amount of work that I've ever done in my life.

Yeah there's still some money coming in.

It was in the new Teenage Mutant Ninja Turtles movie last year got a movie cameo still hopes to get keep in mind these videos have a global audience exit language of Gnostic at the end the day language Gnostic.

What does that mean what's a good example is a good example is that a cute kid here in America is going to be a cute kid and now you're asking him I turned my Video money is a raw organic. You can't remanufacture these moments is a real life moments the competition is too young for hundreds of new videos are uploaded every minute, every minute on Jupiter is not the only company doing this to Jukka and cofounder Josh. That means that just keep everyone literally world where the cell phone camera works for you to an extent that is true because she story anywhere capture a moment. Some closing Jade Myers hang out eagerly awaiting their next closet.

Everything I own I fell everything you rotate everything from Myers calls herself a professional, thrift, or what exactly is thrift thing 15 basically means I can go and find secondhand clothing that's been donated and generally find a really good deal so you don't see this is just a bunch of old clothes. I see this treasure hunt for literally buried treasure takes her to thrift stores like this one in Brooklyn New York finding the time to do this meant quitting her day job but was the decision to go out on your own with old close all that pretty well.

Myers knows exactly what she's looking for a 80s totally rocked that would you take something like this. Absolutely any day of the this is for hunting season. It's 25 bucks for all the stuff you can stuff into a single back Jade left with three let's first affect intimate. First she cleans sizes and with the help of a friend who's a model photographs each step then goes on #and Started by Maneesh Chandra in Redwood City, California.

There's almost $1 trillion worth of clothes that are sitting in people's closets and so we wanted to make it super easy for anybody to sell open up a boutique easy enough? Says some 2 million people are now using the app to sell discarded Myers herself has more than 50,000 followers you have in your mind a profile of who your best customer is the one who buys from you again. She says she nets up to six grand a month. I had a fur coat that I actually found once for four dollars and sold it for about a thousand talk about rags to riches cartel is more than the Japanese name the candy. We all know to Japan's national obsession. Here's low back shop in Tokyo's bustling Ginza district luxury on full display. That's right, luxury cats in the mastermind behind the five dollar kit Confections.

Each pastry chef Yasuo Massad Takagi school in general says ship Takagi.

The Japanese prefer mild flavor rather than aggressive flavors that hit you over the head.

Takagi's concocted kick cats with flavors like macho green tea butter and strawberry maple Cedric Lacroix is cats man in Japan. How big is the Kitcat in Japan is very very big.

We going to do 5 million picked up today you might call its popularity case of Kitcat kismet Quito Cocteau, the Japanese pronunciation of Kitcat sounds an awful lot like Quito katsu, which in Japanese means you surely will win.

Which explains why for Japanese students during the high pressure exam season the kettle Cocteau has become a kind of edible talisman when it was discovered that the name meant surely will win, then the company shrewdly decided to capitalize on the absolutely absolutely be kept out of the company mission to place the kitchen so kick ass mission in Japan. He is is really cool rage people and to sell some not so mildly flavored kick cats to tourists.

Anyone in the mood for a purple sweet potato Kitcat or a bite of a refreshing Apple Kitcat set Kitcat a day keeps the doctor will or perhaps you'd like to spice things up with him. He Kitcat hey buddy go easy on that socket. Kitcat really does taste like sock that we are more and more before it is because they have read on Facebook all social media when they come here they wanted today's Kitcat diplomacy right United color is rotisserie chef Takagi indulged me as we went about creating a new premium Kitcat is the I know it's crazy but could we mix the pistachio with the raspberry, all shall be given that a try. The color will probably be ghastly, but it smells good, doesn't it color it isn't it trying to taste it very, very good. Try it when she was like she that means delicious hold arrests. Bacterial Kitcat I believe I have passed my exam got the money issue a special edition of Sunday morning here again is Melody Hopson, Jaclyn Smith was one of TVs Charlie's Angels decades back. Fast forward to today and you can call her Angel Inc. with John Blackstone.

We watch her work 321 jewelers Jaclyn Smith is right at home shooting a commercial for the clothing line. She helps design Kmart this is it is a family affair with roles for Smith's daughter, Spencer and her six-month-old granddaughter be. It's all part of Smith's very personal involvement in building your brand with Kmart 1980s.

All I can say about branding.

If you do it for the paycheck walk away it doesn't work.

It is the day to day details is becoming a part of that company and Smith is very much a part of Kmart selling blouses which I love and about 400,000 last year hundred thousand blouses per clothing line is just the beginning and hair. My slinky teams 700,000. The discount chain sells everything from shoes to sheets carried Jaclyn Smith's name walking around the store you're trying to figure what percentage of the store is filled with percentages now.

Well, after 32 years. I deserve it right Smith almost turn Kmart's offer.

In the mid-1980s when celebrity brand was something few celebrities did. You're the first fortune while I was the first celebrity brand you are almost the first celebrity brand yeah I mean I was kind of you know about it made fun of backgammon.

Jaclyn Smith was famous for being an angel. One of Charlie's Angels, Charlie's Angels went on the air in 1976 Smith, Farrah Fawcett and Kate Jackson Wayne daring private detectives sometimes had to fight crime in bikinis.

Charlie's Angels, I think, was seen by some as a real feminist show, Eilers called jiggle TV right right I think they like to think it was tickled to name it was so mild. Growing up in Houston Smith never intended to be an actress. She trained to be a dancer. How'd you like to have official all over your body, but when she moved to New York. She was soon in front of the camera shooting commercials and it was a Listerine well I would just like 100 commercials, but it was a great training ground because it really teaches you about camera projecting on camera.

There's no reason why you perfect looks were perfect for selling so and skin cream flowing hair ideal for shampoo but leaves the natural shine producer noticed by the name of Glen Larson and gave me a starring role in the cloud and I got the cloud and that opened up another show so I didn't really quite a few shows for that one special shout, with Charlie's Angels. She was no longer just a pretty face commercials. We were living rounds every week where household names so it opened up doors that we never dreamed about Jaclyn Smith. She still may dance but now her name was as prominent as the product but Max factor didn't understand when Kmart came calling. X factor did not want me to join with Kmart.

They said start your customer so first meeting. After that I turned down the discount retailer didn't seem like the right match for Smith's image, but Kmart wanted more than her face and her name they wanted her ideas to. I've always loved design at night. I thought well this is unknown terrain that this can be a challenge. This is be fun and on instinct.

I change my mind and said this is something I want to do well in the 32 years since Smith's designs have filled women's closets including her own, and I think one of the bestsellers are always my little shark jackets and where would change you can wear with pencil skirt. Kmart research shows that her brand is well recognized among women between 35 and 6080% recognizability so that puts me as one of the most recognized brand country hundred million women today have purchased some of my clothing RA are accessories and while products which filled many miles and Kmart stores.

Those stores aren't nearly as busy as they once were, Sears holdings, which owns Kmart warned investors there is substantial doubt, the company can continue as a going concern using Kmart as a home for your brand. It must be difficult however to see those stories Sears holdings owns Kmart in big trouble, absolutely. Despite what you read.

Despite what you hear were still out there working hard producing things in spite of the challenges she continues to look to the future working with Kmart designers. (Clothing you know what I would love to add to some little coordinating those that have any idea how much money you've been worth the Kmart Texas girl never talks about, but it's it you know it's a good feeling to know that we've read so many people do you still reaching out diversified with fabrics, Whigs, and skin care products. This is as an actor. She was an angel in business seems to have all the angles covered the most important thing for me was to preserve the dignity and respect charts life on a dollar a day featuring radio and TV personalities. Talking business support plate. However, serious your money problems maybe would you treat them. The challenge of living just one dollar a day for millions 20 to couple tells us that's the reality.

Every day, think about this one out of every nine people on earth gets by on less than two dollars a day to go and look at reality. Thanks. Question why Pulitzer prize-winning photojournalist Renée Byer has been years photographing the world. We don't often want to see those photographs and the stories they captured were part of a recent exhibit living on a dollar a day most important thing for me was to preserve their dignity and respect charts to show how hard-working black to let the life unfold in front of me into document life.

She does it by documenting not just the lack of food, clean water in healthcare, but there smiles to see in everyday life for a child is running, smiling globally. The poorest of the poor totaling more than 800 million. One of the myths about poverty is that people who are poor are lazy and I have to say that all of my travels to four continents that that couldn't be farther from the truth. To get to the truth. Byer took time off from the newspaper job at the Sacramento Bee. She traveled the 10 countries taking 15,000 photographs of the fire here. Even I found the five so close and taking toxic waste in Ghana. Children and flip-flops it through the burning fragments of old computers searching for metal they can sell.

That's where Byer met Fadi e.g., stricken with malaria crying as she worked, and said what's the matter why the number of people living this way is actually dropping down more than half since 1990. Thanks to foreign aid and new investments in health and education, and thanks to some of fires. All of these children are now in school help by people inspired by her photographs take a picture of her body and UNIX in the picture.

She's now at boarding school, and she has the most amazing smile. Of course there are still millions out there who aren't as lucky which buyer hopes to change one photo at a time coming. Anytime I told about. I immediately rattle off what they were is no psychologist, but he does seem to know what makes people tick Mexican plan that truth led the former Goldman Sachs finance associate to quit his job and launch a dating app like no other haters dating app that maps are based on what you hate, you swipe on more than 3000 topics loving or hating as many as you want for things mutual dislikes are a better sign of compatibility, then mutual likes and two studies seem to back him up. So what have you discovered the people hate the most presidential election of 2016, which is exactly but is not just politics. Everything bad, why 50 without the young man buns is pretty should be when people celebrate their birthdays for an entire week… Maybe this person has a problem. He was on to something soon launch the app last February.

We are to have 350,000 users all around the world was quick, but the competition is steep, online dating is roughly $2 billion industry read somewhere that one in 10 American spends an average of an hour day dating it's becoming more and more about dopamine rush of getting a match seeking a dopamine rush you can like it 50% of people gave Hayter a try. Certain Instagram for the people who collect Mardi Gras. That's pretty high in late yeah you soon discover there is a lot to hate this 08%. I never get a date but then again if Albert is right hate may be the first step to lasting love. Have you had any highly successful matches on the sofa yet we have this one couple Super Bowl, but they loved Kason so during this rule. They got together and made quesadilla bodega is a Spanish word for neighborhood store a small store that plays a large role in many communities use our newest Sunday morning contributor, NPR's Maria Hinojosa from the outside. This place looks like a special corner grocery, but we'll see so much when you feel like this is with no I can go back as far where I was born because I live on top of a building and started working here at the age of six is a place where you might find ripe avocados right below the Jackson ball set and where the pantyhose sit next to the glue trap confusing to the outsider maybe, but neighborhood folks come here day after day for all of those things, plus a breakfast which Diana's favorite hero variations on egg and cheese sandwich. They will so can be found all over the and there are more than 10,000 bodegas throughout New York City's five boroughs for you. What is the heart of a great person behind the counter at Pamela's green deli person behind the counter is by she's been a fixture at this location. 30 years. This bodega is owned by Diana's father, Ms. Rodriguez came to the states from the Dominican Republic in 19 5430 I like. He and his two brothers now own 12 bodegas, where shoppers find something you can't buy help somebody get a plumber or electrician. Have you ever help somebody with a little so it's no surprise that there is no shortage of good luck dollar bills like the just thinking of me getting a UA means that you feel like your customers love you as much as you love your custom, but along with the good. There's a little bad it's really hard to prevent people from buying things that aren't as healthy. According to New York City health officials poor neighborhoods suffer from high rates of diabetes and obesity and bodegas are hardly known for stocky nutritious foods. I live for skins with no sugar. Fantastic for my prediabetic condition. That's because there's only enough room. What sells the snack cake food group, which is why Dallas median and blogger created his special bodega food pyramid without the sentence without the potato chips and the court awarded in the 40 ounces. No you're not sorry the grocery store to be certain there are signs of change on the shelves of some bodegas the first of us will bodegas to be courageous. The second business to educate the consumers on the other products to be of value to them throughout New York are owned by Dominicans, Yemenis, and for 19-year-old Diana something running a bodega of the American dream. Still, her father's hoping she will. One other thing that I went now will have to start from day one, you know, I think I have to take it manage of the fact that you made so far all the same, knows that while her college degrees a few years off. She already has a higher education in bodega.

I understand going to school for bio and hopefully I do going to medical supplies like that, but that's not me business runs in my family is in my blood. Such like. If I can do more. I will buy for thoughts on one sunny island give them credit is more than an expression.

It's how they get a lot of day-to-day business.set down travel to Sardinia to bring us this report to perform cheese maker tile manufacturer which are part of a network of thousands of businesses on the island of Sardinia are not using traditional money to buy, sell, pay salaries, we realized in 2009 that there where goods available services available resources where there. The only me seeing thing was money separately to do is one of the founders of virtual currency called Startex what is Startex network of companies do exchange goods and services among each other in Sardinia without the need for cash. This stunning Italian island seems far from Wall Street but the 2009 financial crisis rocked this picturesque place companies couldn't get credit and went out of business. Unemployment hit 18% literate in a group of friends hoped they might spur growth here by developing a system that would allow businesses to earn and spend without relying on the euro or banks that wouldn't lend we give you a credit based on whatever product I have, yes, we also ask you what do you mean from the market because you might have cheese, but you might need uranium.

Uranium is sorry joint. But if I have cheese and I want fruits then then there's a match, but it can be more than that you might have cheese, but you might need, then these for you. Dr. of the universe to pray for you, but by sending cheese you might get credit sent by the dentist shortages creating new business errors Mario Bailey groups special Sardinia and spiny artichoke at the farm somebody ghost does about 10% of his business insert X's on his way to get a new slice of the market and new clients. He explained Cropsey might not otherwise shell can now be treated for other goods used Startex to bite us to containers and air-conditioners one starting unit is equal to one euro electronic there is no hard currency and each transaction is taxed like regular money. This tile company ceramic committed to Rania was in financial races two years ago when Annalisa would arrive.

She says Startex was a lifeline shortage we needed when banks didn't help, but she explained the Boston boo-boos family business specializes in making Sardinia and pecorino cheese initially were skeptical about using Startex now you accepted and you pay your employees okay yes but with time. We've seen good results. She said now a good number of our them. Please choose to receive part of their pay in Startex to those employees.

The Masini sisters used Startex for nearly anything, including meat, butcher duty. There are 3000 businesses using Startex more than $100 million in transactions annually. How can you be certain that if I come to you and say I have €10,000 worth cheese that I really have that much. There's a liability wherever there is credit that he stressed this Mediterranean island is creating wealth by relying on banks but by connecting community businesses just store a report from sat down with more on many of the stories you seen her this morning and I have some thoughts about how once again living above our means on our Sunday morning website next week here on Sunday morning. I apologize to her. We catch up with the lovable Ray Romano I Melody Hopson please join Jane Polly here again next Sunday morning is take-out with preacher Gary this week. Stephen Long live Mitch McConnell in one of Washington's biggest midterm monument list for me to sit races you think Republicans have the best chance of taking a democratic seed with Nevada not Georgia. Georgia is right up there with New Hampshire's products to New Hampshire people really just kind of don't like you have for more from this week's conversation, follow the take-out with Maj. Garrett on Apple podcasts or wherever you get your podcasts