Segment 1: Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about what you should know about your charitable gifts. And as always, Terry answers all of your financial questions.

Segment 2: Emily Stewart, Senior Correspondent, Business Insider, tells John about the decline of on-the-job training.

Segment 3: Sarah Foster, Economic Analyst, Bankrate, talks to John about a new Bankrate survey that shows more than 3 in 5 workers got a pay increase this year, but some still say that their wages haven’t kept up with inflation.