personal finance expert vera givens is here. we are talking about saving money on car insurance. >> the first is shop around. a lot of people skip this step all together. just crazy. you have to take the time to shop around get at least three coats. you can go to e sure rance.com. in addition to checking price check the coverage they offer and discounts they offer. >> those web sites will have all of the information on all of the insurers? >> you can do comparative shopping right there on the web. esurance.com. >> you also say raise the deductible. how do you pick the right deductible. >> if you raise your deductible from 200 to 500 you can save 15-30 percent. if you raise it to 1,000 save 30 percent. something to think about where insurance is eating away a large chunk of money a lot of these states costs are up. >>> a lot of people are quick to claim mini accidents. on insurance that's not a good idea. >> that's pushing it up for everybody. if you look at louisiana all of those insurance claims bringing the cost up for everybo

our personal finances experts vera givens explains next. >> good morning. it is 22 minutes after the hour. a national hero and original member of the tuskegee airmen has died. he was one of the fist to fly for world war ii. he and the other surviving tuskegee airmen received a congressional gold medal. hickman was 88 years old. hard earned cash going to a new modern art exhibit? turns out some of the pricey equipment from solyndra has now resurfaced. 1400 of the glass tubes are on display at uc berkeley. they spent a good chunk on the money it was loaned. one percent were put into use by that company. >> let's head over to you ladies. >> you might want to plan your next shopping trip. it involves purchases on specific days of the week. we will tell you what days are best. >> here to show you how to save is vera givens. let's rollback today. start on wednesday. what should we buy? >> stating monday good day for big ticket items like electronics, tv's, cameras, video games. >> why monday? >> that's when they apply the rebates and pass them down to consumers.

with more on that personal finance expert vera givens. where is the best place to buy? >> they looked at all of the areas across the country in most places it is best to actually buy. all of the factors associated with both adjusted numbers of inflation. top of the list where you can break even in less than two years florida markets, miami, fort lauderdale phoenix prices are down 54 percent from the peaks, las vegas and detroit. if you are renting in these areas you could be making a mistake. trade that in and get some equity. >> break in in more than two years. >> three years is substantial as well. we have rif side, dallas, fort worth, pittsburgh, ohio, cincinnati, columbus, cleveland. pu look at minneapolis. average home $122 less than the average rent of 965 a month. in this area, too, values are down 40 percent. if you are a long-term renter in these areas. >> under five years. >> we have philadelphia, we have sacramento, dc, portland, san diego, seattle. the list is substantial. it's unusual. you think break even. >> determine how long you are going to live somewh

personal condition expert vera givens. >> thanks patti ann. a lot focus on jobs and the economy. >> jobs jobs and more jobs. we have 23 million americans who are unemployed or under employed. they each have different takes on what they are doing to do to stimulate this. we have obama reliant on temporary tax breaks federal spending subsidized retraining and romney says he will change the entire landscape regulatory budgetary tax environment. he's about free trade and has more of a long-term economic growth type of plan which we need. >> dramatically different view there is. healthcare also different views. >> contentious issues. they have different takes on this big time. talk about varying takes. romney would like to repeal obama care all together which would otherwise be fully implemented in 20146789 he would rather have states adopt their own plans. in massachusetts everybody has affordable rates rather than a universal program federally run program. >> the plans not all that different. a lot of talk about this. social security and medicare

joining me is finance expert vera givens. you see her on fox a lot. >> early in the morning. >> 5:00 a.m. veer remarks break down these numbers for us. is it better to rent or buy or how do you know. >> looking at all the different markets, 200 metro areas, over 8,000 cities to find out what the break even point would be more financially sad van teenage just to buy. in most major markets, buying is the better deal. you can break even in less than three years. >> in two years. >> each better. >> that's even better. even under two years we will look at some of these markets, miami, who would have felt like with all the downturn in miami. >> lot of the florida markets came in under this two year break even point. miami, fort lauderdale, tamp parks orlando, these are areas, of course, where prices shot up and then came crashing down. also phoenix, for example, that one makes sense. phoenix prices are down 15% and a glut of inventory, too. >> a lot of investors flying in from phoenix. coming in from canada. >> and then you have go