>> i believe government is here to fix our streets, roads, and protect us, but they don't need to protect people from their jobs. >> three cheers for her. you at home who understand it's freedom, not central planning that gives us better lives, that's our show. thanks f watching, i'm john stossel. ♪ ♪ gerri: tonight, did president oba break the law? some in the senate say yes, and now the cases in front of a judge. we will have a heated dbate. with more than a million charities and the u.s. alone, how did you find the best one? we have you covered. "welcome to "the willis report."

hello, everybody. i'm gerri willis. tonight no progress on the fiscal cliff as democrats and republicans trade barbs over the issue. one group of americans is finding a way through this regardless of congress and the presiden small-business owners in this country are preparing to hire. join me now, chief u.s. economist for i may just pull one side. heart of america group founder, and member of the jobs creation alliance and actual job creators in this country who say their voices not being heard in this office took with debate. also with us from the weekly standard, steven haze. welcome. great to have you here. i want to start with the conversation in washington and what the speaker had to say about the status of the fiscal here is mr. boehner. >> this is in the progress report because there is no progress to report.

when it comes to the fiscal cliff that is turning our economy and jobs, the white hhuse is wasted another week. gerri: what do you say? we wasted another week. we seem to be getting nowhere, and now folks are saying the president is trying to entice us of the fiscal cliff. >> look, i think they're actually some pretty strong incentives for the president to take the country over the fiscal cliff. if you look at what the president's stance to gain if the country goes over the fiscal cliff, there are very clear and identifiable things. on the ne hand te president could idtify himself as a tax cutter. he could sa - on january 1st the president in terms of the country and say, now in favor of cutting these taxes that have been raised because we did not solve this before the fiscal cliff. he can turn and say to my want to restore some of this funding that my secretary of defense and joint chiefs of staff told me i need to restore and can positi himself as sort ofthe protector

of u.s. national security. so there are some clear centives to the president to lead the country over the fiscal cliff. do i think that's what he wants? probably not, but do i think there are incentives fo him to do it temecula. gerri: never looked at it that way. as you look at this debate on going, there are a lot of folks who say we will be flirting with recession or in recession ifwe do go over the cliff. do you agree? >> that happens only if we go off the cliff and stay off for an extended amount of time. to we don't go into recession just because we don't have a resolution on january the first. it's a question of whether we have no resolution at that time but it seems that it's likely to a come within a short time. the longer we go into january with no resolution the more likely that we do go off the cliff into recession.

gerri: the broader concern is if we confined in the ground. great to have you on the show. only moments ago i was speaking to a fellow whose business is buying and selling small businesses. he taught me all year long small business owners out there seeing the fiscal cliff in front of them have been saying i'm ready to sell. have you seen that? >> well, i just talked to a friend of mine today. why would anybo in america ho has been successful continue doit on january 1st if my wife and i get hit by a bust the government thinks they're entitled to 55% basically everything have made. here's one hotel that iona's with about $20 million. apparently passing them on to my children on january 1st is some kind of threat to there public. i think it's a threat to being in the land of the free. gerri: as you are implying, the

taxes, the debt tax sores after january 1 if nothing happens. >> monster. gerri: absolutely frightening. to you, you can see how people are reacting in the heartland to this. we're seeing reports every single day about people who are no upping the ante to charity because they're worried that their charitable donation will worth less. companies are paying dividends like to have not seen in deceer. iteems to me like the rest of the world is ahead of congress. washington i in the rearview see, and everybody else is getting ahead of them. >> right. i say that's like every other day in america where the rest of the world as head of congress. aughter] gerri: how is this different? [laughter] >> i think that's right. i hink what we're seeing in public is a little bit different from all rehearsing in private. what you're likely to see is republicans agree to some kind of deoupling of the tax rate

issue, whether they do it and this proposal that has been floated that they vote present and let the president and democrats on the issue or whether they free up -- whethe john boehner frieze of members of congress to vote for some kind of a compromise that would include a rise in rates on the wealthy. i don't know wha the mechnisms will be, but you have the negotiations taking place on the one hand, and on the other hand you have negotiations on all the rest of the stuff which is likely to be lumped into some kind of an omnibus bill a series of bills at the end of the year struck the last minute to ail us out of this issue. likely to include a bunch of unattractive add-ons, last minute things, and it will be the kind of agreement, the kind of negotiation that leaves the rest of america, the heartland, as you say, even more disaffected with the ways that washington is doing buiness. looks like the way that washington is going to be doing business from here forward.

gerri: to you. you watch this. you must be disbelieving. the length of time these things take. very important jobs numbers and the jobless rate in down to 7%. but what is astonishing about that report was not that number or even the one below it. it was the number of people who are out of the workforce, not looking for a job, a disaffected, the people who don't want to look. some 350,000 folks. this was, to me, a real wake-up call in the jobs market. what do you see? >> well, less than two out of three americans that are working that means more than one out of three people are apparently sitting on. what knd of productivity due respect to all kind of growth to we exect if one of three people are sitting home? we had a grand bargain in this country for about 50 yers. we took about 80 percent of gdp

in revenue and spend 20. 1919 and a balanced dget amendment. gerri: that put the capper on it. thank you for coming out tonight. we appreciate your time. >> thank you. gerri: have a great weekend, guys. as you rushed to make destinations , don't do it blindly. coming up in half an hour, the ceo gives us his it done dating dos and don'ts. you'll want to hear that. a lot more still to come to inuding one of the bellwether companies for employee benefits, changing the way it does retirement. next, the 19 memberf the senate banking committee tells us what he thinksneeds to happen in d.c. to get a deal on the fiscal close. ♪

♪ music

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♪ gerri: speaker john barrett today calling up the white house saying their wasting time and

president obama is bringing our economy right to the edge. >> ford is your we offered a serious proposal based on testimony of friends that clinton's former chief of staff. since then there has been no counteroffer from the white house. instead, reports indicate that the president has adopted a deliberate strategy to a slow walk our economy right to the edge of the fiscal cliff. gerri: earlier i asked republican senator richard shelby of alabama for his take on the comments from boehner. >> i believe that speaker boehner is on the right rack. the president has not come uptown now, been deeply involved, that we know about , in any of these offers are counteroffers. dealers said he has been campaigning to meet. but he has to get involved if he wants to avoid the fiscal cliff. i think that the speaker has indicated that he will try to engage in, try to meet him and try to avoid the fiscal cleft

that the presiient is going to continue to say it is my way or the highway, that is another game. gerri: it is. harry reid today saying that the game is at chess game, and the republicans are the jets. here is harry reid. >> he has a problem. he has three quarterbacks. he cannot decide who the quarterback is going to be. that is the sam problem republicans are having. romney is gone, but he is still in the background. we hve mcconnell and boehner. who is the quarterback, mr. presiden gerri: what do you make of that analogy? >> well, that is a football analogy. we'll do that from time to time, but the reality is the speaker of the house is the speaker. the house is the majority republican, and if he is going to advance that ay, that is probably in order. senator mcconnell is involved, i'm sure talking with boehner about these issues.

he always has been, but you have to have the spokesman, somebody to talk to. the president is absent up here, and i hope he will come to the table. i hope we can avoid it, but a lot of it is going to ultimately be on the president's watch. gerri: i have to tell you, there are other people mia. most of the house is gone on vacation. the senate is spending all this time figuring a helmet will be able to watch lincoln and have popcorn. this is what harry reid is that the lastouple of days doing. why can't we get people in the same room and try to get this thing resoed instead of just talking past each other? >> that is an excellent idea, but first a believe we have to get the president involved with the speakerf the house and see what the real paraters are and see if there is any real negotiating oom there, wiggle room on each side. until that happens, you know, if you do it in the press and you do it in ohio, you do it in michigan, you do it in texas, somewhere else, that's not doing

here. gerri:ell, i want to get you to another topic as well today, which is the federal house in administration, which is facing just an unprecedented financial problem and now sean donovan who runs the department of housing and urban development, hey, we are taking steps to try to lighten the load, but is it enough? and what is the right rescue? what is the right plan for the fha? >> actually, it is a timely question. we had the hud secretary before the banking committee yesterday. fha has over a trillion dollars in its portfolio. it is hemorrhaging billions of dollars. it has a negative worth of value right now. i am afraid it is going to be asking senate and later for a taxpayer bailout. they already have the mechanism in place to tap the treasury. i hope there won't. the sretary, i hope, will -- he has some tools at his discretion.

he can run the premum of and bring in more money. he can stop the hemorrhaging that way. he can also, perhaps, what to he makes loans to. some of the loans that were made are just defaulting left and right. you can't have that kind of a housing policy. gerri: will it be enough simply to raise premiums? they have already done that, already trying to market these bad loans as quickly as they can. does the situation called for a more radical rsponse? >> oh, i think raising premiums, you are right, alone will not do it. part of it is, it is inherent in the fha program. people are paying down so few dollars. they have not much equity in the game. and a lot of them have lowered some of the chris coor's, you know, to get people. and people in default or have bad credit will continually default again. that is part of the problem on underwriting. gerri: we have to find some kind of solution because there is not

a person i know who wants to bailout somebody else right now. i think we have had it with the bailouts. >> i hope so. gerri: me, too. senator richard shelby, think you for coming up tonight. an absoluteleasure to have you. >> thank you. ♪ gerri: president obama flip-floping on his inauguration he is not going to accept unlimited sums of corporate money pay f his inauguration. obama had banned corporate donors for is 2009 swearing-in in order to give the pres supporters ownership. but now they will accept cash from companies and individuals to underwrite the cost of the festivities next month. i guess taxpayers will have to foot some much of the bill, but corporate sponsors will be right there trying to get all of the influence the can. you'reired up about this during the issue, taught me an e-mail. gerri@foxbusiness.com. ♪ >> coming up on "the willis report," ibm getting flak from making major changes to its

retirement program. athat cost to its employees? could your employer ll a fast one i knew? jerry dissects it all next. ♪ is the president not doing everything by the book? fox news legal analyst is here to break down why some say he should be in trouble with the law. is the season for giving, but don't let washington fiscal cliff talks cloud your judgment for finding the best cherries for your dope. our experts shares ts on what you need to know. we are on the case next on "the willis report".

♪ gerri: big changes coming to tech giant ibm that may change the way you save for john is 42. mortgage. married. two great kids. he wants to protecect his family with a $500,000

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gerri: there is the story out there not getting a lot of attention today that you need to hear about, particularly if you care about your retirement. ibm overhauling its retirement program. instead of contributing to its employees 401(k) over time, the company will opt to contribute a lump-sum payment once per year. this may not sound like a big change, but the move undermines the very idea of reirement savings. look, the attraction of a fox business is the idea that you leveled out what you pay for in investments over time. stock prices go up, they go down, but over time you average out your risks and your cost. i call it dollar cost averaging. but with ibm's new plan, the advantage of its lead disaears. this would not be such a big deal, but ibm is considered a leader in employee you benefits. the company believes is the trail with innovative policies. and other big companies are sure to follow the lead. now, to be sure shareholders may like to move because it will

save the company millions of dollars a year i compensation expenses. but employees who are close to retirement and desperately trying to make up for losses from the recession are not going to be so happy. and also, onehing we should say to be fair, at least ibm has a plan, and they are contributing to it. i want to make sure we've jealously guard every advantage to sll investor has. that's why i'm talkinn about today. that bris me to the investment company institute and its press release this week, which, frankly, was a stunner. the investment compy institute is a trade group representing mutual funds and other investment companies is product we all used to grow our mutual fund balances. they say after an examination of researching data the group gives its members a thumbs up on te jobs it has done, helping americans prepare for retirement well one. i disagree. americans are struggling in their efforts to put together an accord retirement savings.

true, total retirement dollars have risen over the nearly 30 years the trade group is studying, but you expect that because many households lost the benefit of company sponred pensions and were forced to start sitting on their own. we need to look at the cold hard reality. the majority of americans, some 75%, have less than $30,000 in their retirement accounts back in 2010. the savings accrued by the majority of middle-class seniors will support their current standard of living. instead of cutting each other on the back we need to get serious abouwhat eventually will be retirement catastrophe if we don'do something different. applauding the move because it saves a penny or two is a big fat mistake. that's my view. coming up, it is th season to give to charity, especially before the end of the year so you can get tax breaks. what to those charities? and the president obama break the law? for legal eagles looked at in the case making its way to the

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gerri: did president obama break the law? a federal appeals court is deciding if the president's appointments to the national labor relations board when the senate was on recess wa unlawful. why? well, because senate senate republicans say the senate was in session. the chris was brought on by a bottling company after the nlrb ruled thathe company must enter into a collective bargaining agreement with the labor union. the company is arguing the decision can't be made because the recess appointments are invalid. here is weigh in, lis wiehl, fox news analyst and randy zen. look at the end of the day this whole thing is argument was the senate in session or was it not.

>> were they in kindergarten or on recess. the president may have skirted the law a little bit, like a little bit of sidelining it but did he cross over the line? no. does this happen all the time? yes. yes it does. melissa: randy, what do you say. >> skirted the law like i'm wearing a skirt. he obliterated law. exactly. let's take a step back look at what this whole thing was designed to do. once a upon a time, smart guys, founding father, look you have to make a temporary appointment, senate confirm it we'll not the drag the senate back in. mr. president do what you have to do. it was for the convenes of senate, not to screw the senate which is exactly what the president is doing. >> this is family show. don't speak in those terms. melissa: was he trying to get around the senate? was he trying to do something that the senate did not like? >> he was spirited buthe

did not go over the line. legally it is proper. you can't argue with that. >> yes i can. >> knock yourself out. at that. >> he killed it. he threw it out the window. >> how is it illegal? >> because first of all it is intercession. the congress, senate is supposed to be gone until 2013 they're not gone. they're still around. which means there is no interrecess. in fact arguing for the president blew it and kind of admitted it. >> technically they declared recess. that meant they were out. whether they were physically there or not, it doesn't really make a difference. they declared a recess. that means there was recess. he could make those appointments. melissa: move ooto something is something else you will disagree. this isn't just about politics, randy? >> yes. melissa:. >> but it doesn't matter. you're asking a legal question. the --. melissa: that is political question now. and let me expa on it because i think the president is using this as an opening and may revisit

this. this is wasn't like oh, shoot, i didn't realize -- >> of course not much of course not. >> taking full advantage, is th what we want from our government leaders. >> if what he legally can take full advantage of. >> i disagree. i agree it is taking advantage. that is exactly what it is. is that the message we want to send? when d we as citizens take off i'm with stupid shirts this why we don' get anhing done. melissa: we're good at that. how do you think t court will rule? >> it will be legal. court ll look at it, but say, the senate was in recess. it s cometely legal and according to what other precedents done. >> no question, based on questis thrown at the attorneys the court is saying come , wait a second. they were not in recess. >> that's not what gerri was asking. gerri is asking what will the court absolutely rule? >> they' going to say no, no, no.

smack, mr. president. >> smack, mr. president. break that down a little bit. >> that he shouldn't have done it. wrong for doing it. he broke the law. he didn't skirt it. he broke it. >> the court will say cording to you what he did woos illegal? >> the appointment is gone. see ya. >> you're wrong. melissa: what does -- >> either side will appeal. then the supreme court will take itr not take it. i don't think so. >> i kind of hope that they do, if nothing else to say, it's enough with this stuff. the only thing that everybody in government can agree on is to call a fancy sound bite like the fiscal cliff but not get anything done. this is primary example why we don'' get anything done. melissa: we agree to disagree, am i right? >> we're definitely agreeing to disagree. melissa: i love when that happens. randy first time. >> thanks so much for haening. delightful to be on withou, and you. melissa: thank you so much. we want to know, we wa to follow up on a story we've been covering for some time

now. michigan a labor mecca as you know is now a right-to-work state, believe it or not. like other states in the region republicans achieved almost impossible feat, to get the statehouse and senate to pass the legislation in one single day. the state could become the 24th right-to-work state with a law next week. that means workers will not be required to join a union or pay dues as a conditi of employment. rules require a five-day waiting period before the governor can sign the bills which he has pledged to do the bills passed despite cries of outrage of union activists who stormed the state capitol. police were formed to use pepper spray to subdue the protesters. there were walk outs from democrats. >> these guys lied to every day and acting like cowards pushin this through in the dark of night lame duck. >> he says this is leadership. >> baloney. melissa: republicans lost five house seats in th november election and admitted to wanting to get

it done before the legislature takes office next month. unions may not like it. it is pro-workers pro-growth, pro-employment, pro-economy. you name it. good for them. still to come my two cents more on barney frank's next career move. it is a shocker. will it be a merry little christmas for the stock market? scott martin will tell us whether santa will bring a bull or a bear and what 2013 has in store for us. ♪ . i look up to a lot of the older heads, you know, the innovators, the heads of the art movements of the past. they kept it really edgy, and, like, lot of the latin american muralists and the latin american artists,

their styles are very unique and new to their time, you know, somewhat controversial, but that's who i look up to mainly. personally, i'm very excited about going to college. it's something new, nd it's something different than what i'm used to. i'mefinitely going to be a little out of my element, but that's what makes it so exciting is that, you know, it's something fresh. well, there's so many opportunities that i think i could miss out on if i didn't go, you know. getting into college takes planning and vision. you know, it's just like when i take a brick wall and turn it into a canvas for my art. painting's helped me realize i've got what it takes.

melissa: "fox business alert" for you now. netflix is facing scrutiny over a facebook post by its ceo. listen to this. securities & exchange commission recommending

action be broug against ceo reed hastings. he posted his online video, viewing exceeded one billion hours for the first time ever in june. information how the company waserforming. the sec says that information should have been disclosed in a regulatory filing or news release. shares of netflix rose more than 6% on the day of the post and another 13 points on the next trading day. in response to the sec notice hastings used facebook again to call the probe a fascinating social media story. wow! taunting them. and while the dow and s&p ended the week in the green, wall street seems pretty split how the market will perform in 2013. some analysts predicting gains as much as 14%. others a loss as much as 2%. scott martin, chief market strategist for united advisors joins me now. i can't say scott martin and stock market together. it is not working for me today. >> should i leave the business then and do something else, huh?

melissa: i think we should talk about something else. i'm getting to talk about the santa claus rally. is there a santa claus rally? will very a true santa clause rally? >> i think it will be tough to get one, i really do. there will be repositions portfolios at end of the year. people a getting nervous about the fiscal cliff. i wasn't that concerned a couple weeksago. you got on top of me about that and you were totally correct. it is starting to hurt people. it was a good call by you. i think that hurts stocks by end of the year and investor spending an appete and consumer spending as well. >> i love it when you tell me i'm right. it often doesn't last very long. i got to think though at some point when we get some real clarity this, really, no matter what, whether it is good for bad for investors and taxpayers, there is going to be a little relief in the market, don't you think? >> i think so. and you're right, clarity is definitely i think what a lot of people are looking for. both side of the aisle i thinwant to get something

done it is just what. the other question though i have, we talk about the s&p 500, right? let's say today it is at 1420 or so. when you look at corporate profits, gerri and impact in potential changes in tax regulations will be on compan profits you have to revalue the market somewhere in here which i think is at lower price if companies are trying to pay the government more money. gerri: let's talk about 2013 and what we might expect. as i said in the intro, expections are all over the place. citigroup predicting stocks will go up 14% next year. goldman sachs 11, ubs just 1%. morgan stanley one. wells fargo says the market will go down 2%. where do you fall? >> i'm probably up four or 5%. i'm not expecting that great of a year net -- net at end of the year. i think it will be pretty bumpy at the end of the year while the stuff gets worked out and people reevaluate the landscape of everything. i will comment on the

numbers you threw out there. that scares me a little bit that everybody is so, let's say positive. i don't want to spike the eggnog here but the fact there is not one person or one bank that says the market will be down next year frightens me a little bit. gerri: wells fargo says it will be down by 2%. they're the outlyer. >> right. gerri: they are the only one of five we talked about. a lot of optimism out there. we've been in the bull market long time. it has been very strong. people get complacent. they stt betting same thing will happen over a over again. is that the same thing i see a lot of fellow strategists make? >> a lot of times. people do the old, you chase the returns and get in at the last minute and get hit when the market goes down. i will tell you, you made a good comment,it has been a good bull market. investor hasn't participated in much of the gains. i hope they're not left out in the cold here as the market seems to top out. gerri: usually the smallest investors get in the latest in the rally and often miss highs. it always happe that way.

it is sad but true. you said housing will be an important driver of growth in 2013. finally, finally you think it will happen? >> believe it or not, gerri, i like the housing sector. transactions are happening all over the place. banks are lending money. housing is only 5% of the gdp after it got decimated last few years and has a long way to come back but the arrow is pointing out up. gerri: thanks. good to talk to you. scott martin, stock market. scott martin, stock market. >> i will stay in the business one more day. gerri: have a good weekend. >> bye. gerri: eyes of big governnt will soon be in your life every way, and soon in your car. they a proposing automakers install black boxes like you see in airline cockpits. they will be in all passenger vehiesfter december 21st, 2014. they automatically record the drivers responses of

vehicles in continue us loops. that information couldn't be misused now, could it? hmmm. coming up next, the obamas lighted the national christmas tree. see how many trees are inside the white house. you will be astonished. ♪ - hi, i'm halle berry, and as a new mom, i can tell you that childhood is a magical time. but for children with diabetes, life is not quite so carefree. the barbara davis center for childhood diabetes

is fighting hard to find a cure. know the signs: irritability, excessive urination, weight loss. if you have any of these signs, please call your doctor. early detection can save your life. give to save lives and reach for the cure. call now or log on to childrensdiabetesfoundation.or gerri: i you're planning to donate to charity for the holidays, stay tuned, up next year-end tips

gei: americans are back using their credit cards now in record numbers. according tohe federal reserve, u.s. consumer borrowing hitting a record $2.7 trillion in october. that is up more than 14 dal billion month over month. they were using them to buy cars and attend schools. autos and student loans increased nearly $11 billion. moving on giving to charity during the holidays is always a good feeling. nearly half of all contributions charities receive each year are made between thanksgiving and new year's. with talks of congress limiting the charitable tax deduction as part of the fiscal cliff negotiation will this year be any different? we have the head of charity navigator with me now. ken, we were talking during

the break, there has been, you've seen increasing contributions to charities this year because of that fiscal cliff. what do you see? >> we've seen some larger charities have seen as mu as 7 or 8% increase in donations whereas some of the smaller charities they're still struggling and donations are somewhat level from last year. gerri: you know, people have this on the front of mind. this is traditional time of year you make your contributions and thisear more than ever i think people are thinking their llar will go further because of the possible changes in taxes. what is the one thing you would tell folks this year about chartable giving? what do they need to think about or remember this year? >> they need to remember that even now more than every charities really need their help. there is more of a demand because of unemployment, because of other challenges out there, disasters and storms and so forth. in addition to that, they're already over the fiscal cliff to some degree in the

sense they're seeing very large reductions in the amount of support they get for support they provide through government funding. they have already gotten a haircut. gerri: they're squeezed both ways? >> indeed they are. gerri: your organization doing a lot of polling of the people who give and the people who take. what are you hearing? >> we hear people are planning to give at least a little bit more. the economy has slowly improved. people feel they are able to give a bit more and need out there is tremendous for the services of many of these charities. gerri: now the beauty of your website is that you actuly rate, rank these charities and talk about what they're good at, what they're bad at. how much of their money is actually going to the charitable cause they're pursuing. tell us about a little bit about your website and what is it people really need to pay attention to when they're picking a charity? >> sure. we rate more charities than any other organization in theorld. we're about, half of all the money in nations goes to those charities we evaluate and we're continuing to expand. there are three critical

things people should consider and our website is working on all of that. one is the finances of the organization. is the money going to the right place? does the organization have sustainability, financial health? the second area what we call best practice, governance, accountability and transparency. it isll about do they have a strong board so the ceo is accountable to others and they're ethical in their practices. the third is mission critical. what about the results of ire work? do you do more than story telling? if you have an employment program how many people are employed year out? really meaningful information that you're changing lives. gerri: we were talking in the break about some of the things go wrong or awry with charities. you have to be careful in choosing one. telemarketing firms are a big issue. what is going on? >> there are a number of investigations and congress is thinking of getting involved as ll. apparently telemarketers are gouging more and more money out of a lot of charitable donations and a lot of relatively large charities are getting involved.

what it means for a donor, 50 cents of your dollar, 90 cents yur dollar, in some cases 100% of your dollar is going to the telemarketers of your cause. gerri: you say no strings attached what does thatt3 mean? >> once you trust, you come to organizatioions like ours, don't hamstring them and say just use themoney for this purpose because your dollars are precious and emergenc and crisis you give them the flexibility to make the judgment on the ground it can be incredibly powerful and helpful. gerri: find t perfect fit. you do want to find a charity out there doing something you're interested in and connected to, right? >> yes. sometimes a charity will have a broad mission that sounds right but if you drill it down it may not be what you have in mind. for example an organization in the area of cancer and you think they're providing examinations and it turns out they're doing lobbying. so you really need to know it fits what you're interested in. gerri: you say don't forget

nonsandy charities. are all the sandy charities getting all the money this year? >> unfortunately when disasters happen there is flood of money because of a goodeart of america and it is appropriate that way, but when it happens right have to make choices where your charitable dollars to go there is tension and some charities that lose out that really need help. of course it is no easy choice for a donor. we recommend if at all possible that you don't forget those charities that are there for you all year-round. gerri: up 7.5% for the big charities. that is an amazing number. ken, thanks for coming on. it is charitynavigate tore.org, correct? >> correct. gerri: great website. president obama and his family getting into the christmas spirit at the 90th tree-lighting ceremony at the whites house. it was transpland to the white house days before the hurricane. look at that. it is cool. it made it through unharmed.

obama was saying santa claus is coming to town. this is the tree outside. guess what? there are 54 more of them inside the house. than last year. there is one tree dedicated just to the obama family dog, bo. of course 100 pound gingerbread house has working chan dell leers. with the country in budget crisis and many in the northeast not able to get a christmas tree this year thanks to sandy, you would think they would tone it down a little bit. that's what i think. we want to know what you think. does the white house need 54 christmas trees? log on to gerriwillis.com and vote on the right-hand side of the screen. i will announce the results at end of the show. with all the talk about the white house christmas tree and rockefeller christmas tree you would think they're the biggest and brightest around but they are not. here are the top five tallest christmas trees in the country. number five, the mayor's christmas tree in kansas city, missouri.

100 foot tall tree in the city. not bought but grown by the mayor himself. way to go. number four, the christmas tree at the grove in los angeles. they may not have a white christmas but they certainly have the spirit thanks to 110 foot white fir adorned with 10,000 lights and 15,000 decorations. number three the outlet mall in anthem, arizona. the 112-foot tree is decaded with two miles of lights and more than 3000 ornaments. took 14 workers to put up the tree probably weeks and weeks and weeks. number two the victoria village fern dale, california. 1557 foot tree. still growing. the fire department deck rates the spruce at the end. main street. number one tallest christmas tree in the country. the tree at coeur d' alene in idaho. gorgeous. makes it easier.eet tall. the star alone is 10 feet tall. the rockefeller tree in new york city is 9th tallest,

onlyhe 9th at 74 feet and it is big. it is big. we'll be oh! blue! time! time out. i touched it. i touched the ball before it went out, coach. come on, alex, the ref did not call that! you gotta be kidding me, alex! it's the championship game! talk to him, coach. i touched, it's their ball. don't foul them when they inbound. team on 'three.' one, two, three. nice going, alex. sorry coach.

alex! good call. good call. we went to a park and we handed people 10- and 20-pound sandbags. here's what happened. i just truly feel winded. i can feel it in my back. i didn't realizehat extra weight on the body feels like. ohi definitely felt it in my knees. you can easily put 2, 3, 4, or 5 pounds on in a year. womaman: 10 pounds makes a big difference. no one liked carrying the extra weight, bupeople do it all the time. wouldn't you like to drop that weight and stop picking up more? man: i think this is a lifechanger for me.

gerri: the white house and congress fight over cutting spending, the white house to celebrate the holiday season with 54 christmas trees. does the white house need that many? here is what some of you are tweeting me. no way. how wasteful. mark has a different response. as long as they keep telling them christmas trees and 54 is fine. we also asked on . 3 percent said ys, and 97 percent said no. be sure to log on for our on-line question every weekday. here aresome of your e-mails. any cat has to start at the tp. the agecy's, the salaries of

all government employees. more of a leg to stand on about fairness and taxing the rich. if our politicians would give up their entitlements we would save the country billions and not have to affect the general public and their social secrity and medicare. dan says, thii tax bite is why we should hold elections on april 15th. that is a great idea. it all comes together. i lov haring from you. send me an e-mail. gerri@foxbusiness.com. finally tonight, just when you thought of retiring massachusetts congressman -- congressman barney frank was stepping out of the limelight, no way. the boston globe reporting the 72-yar-old democratic congressman whois set toretire in january hired the big shot hollywood agency william morris to represent hiin the next phase of his career. william morris is run by r.e.m. manuel, the brother of chicago mayor and the inspiration for the character ari goldman the