The best stock in the Cheddar 50 index this year? Digital payments company Square. Meanwhile, Pandora leads the list of losers. And Apple shares sinking Tuesday after analysts cut their forecasts for iPhone X shipments in the first quarter. Plus retailers see their best holiday shopping season in years. Plus we break down the top downloaded apps and video games this holiday season - what this data says about what gadgets people found under their Christmas trees this weekend.

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Stock Markets Reflect Optimism as Investors Hope 'Worst Has Passed'
Austin Graff, founder and CIO of Opal Capital in Austin, Texas, offers his take on why stocks opened higher Wednesday, saying investors appear tentatively optimistic about regulatory actions being taken around struggling banks, even as they remain worried about the long-term consequences of federal action on the sector. "
Stretching Your Dollar: When to Opt for a Credit Union Vs. Bank
Kia McCallister-Young, director of America Saves, joined Cheddar News to explain key differences to consider when making a choice between a credit union and a bank. "You want to do your research and know exactly how to gain membership to a credit union," she said, "but, again, banks often are able to be more accessible and be in neighborhoods."
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