Today Matt Schulz of Creditcards.com explained how 43 million Americans are doing wrong by carrying a balance on their cards.  David Holt of Consumer Energy Alliance on this week's Holiday travel then Author Robert Fowler on his new book The Gun Club.  Then another author Beth Haddock talked about if social media has become too big of a regulatory risk for businesses.  David Amodeo rounded out the show of JD Power on new vehicle initial quality and the fact that it improved again.