to news corporation. that is all the money we have today the oil report is up next. >> hello everybody. tonight, a case of karate capitalism leaving homeowners out in a cold while people are not getting the money they are owed. we have the pros and cons to the disability insurance and which of the major airlines is best for frequent fliers? we're on the case. "the willis report." gerri: we have all that and more by first the top story tonight, listen to this.

great news on the subject of health care. a new report says americans are spending less on prescription drugs the first time in nearly 50 years it has dropped but now on average consumer spending has fell by $33 under $900 last year. lower-cost generic drugs is a big factor but other reasons we have the prescription and drugs editor from "consumer reports." welcome back. is always good to have you here is it due to generics? >> no. good portion is $28 billion worth of these drugs are now available with generics. gerri: that is a huge. >> this is the most number one commonly prescribed drug in no time in history have we have this many drugs go off patent. gerri: with the door in the

titular the you could spend a couple hundred dollars for lipitor for some stores it is a lot less. gerri: you say it is a big trend but i wonder the degree that some cannot afford their medication and may not be buying them. >> that was the second reason people saved money they did not fill prescriptions because they are facing an economic crisis of their own in their own research shows that in a recall of thousands of americans asking how is the economy affecting your ability to fill your prescription drugs? the answer comes back is hurting them terribly. gerri: we have more common these drugs are commonly prescribed. >> is used for depression that will go off patent to fight to insomnia and others will come off next year.

gerri: we discussed this that typically you can't find a different prices. let's talk about lipitor. costco $17 wal-mart 68 and write a and a cbs. people don't understand this >> it is difficult to understand drug pricing is irrational but we had a fun time to figure out why there is a difference but shop around and don't be afraid do ask for the lowest price3 to make sure you're getting the best deal and ask your pharmacist. it will make a difference. gerri: can i hagel? >> it sounds so old school but pharmacists are willing to work with you especially independent mom-and-pop pharmacies. gerri: talk about generics look at the drug price differences lipitor is a big

difference. 216 vs 162. 186 vs 162 if you do yourself a favor you by the generic. >> in the next couple of years those prices will plummet to the rock bottom it will take about one year. gerri: great to have you. we have more to come and readjust getting started including is disability insurance worth it? it is the leading cause of death among the nation's teenagers. are you guilty of doing this on the road? lifesaving tips to keep in mind when you are behind the wheel. testing and driving.

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among teenagers. texting while driving. an advocate and president of texting phone dance for a thank you for coming on the show. i was shocked to learn more teenagers are dying texting while driving the and driving drunk. can you hear me? we don't have him right now he is having to always his microphone we welcome back to him in just a circuit in the meantime it is called a massive 21st century highest cyber criminals stole $75 million in a matter of hours reportedly hacked their way into a data base a prepaid debit cards and drained atm from 26 countries several are under arrest while the ringleader was murdered in the dominican republic last month and the attackers apparently withdrew nearly $3 million of gashouse going

bank to bank up and down broadway before being caught on surveillance cameras. the backpacks got bigger with each stop. to help homeowners with the landmark summit is turning out to be a disaster. they were hired by the feds to send checks cannot seem to do anything right so how does the firm get a contract in the first place? it turns out they have friends in high places and with us now is stephen hays. it is always great to have you on the show. so this company was supposed to hand out money to homeowners, almost $4 billion but what happened ? they mailed money to the wrong address, it checks bounced, and some were underpaid.

>> they had the wrong amount then they try to correct the mistake and people were confused as they could cash one or both. one woman from the "new york times" article said her check was mailed to the wrong address six times and then requested to change address and three times they sent the change of address forms to the foreclosed house. this is an extraordinary story of incompetence. gerri: surprise surprise the government was involved and a congressional committee brought in senior executives to question about this issue and he spoke with the senate banking committee. >> the first wave of checks were mailed on friday april 12th petraeus today we became aware of check cashing issues that somebody's encountered and we are addressing those

issues. some will be returned as undeliverable and we will make other attempts to find better address information there is nothing in place yet. gerri: that is not impressive wow! and the senators after his comments do you think he got tough questioning and was grilled and the help to the fire? no way. okay. that is okay with us. >> that needs to change now there will be an investigation in the house where the senate or additional questions they need to determine why are all these mistakes happening and why the firm downplayed the mistakes. that is what seems to be coming out the past couple couple. initially they had questions about the missed payments, wrong checks and basically shrugged it off

and as an anomaly but it turns out it was much more schematic than they suggested and that will be something they will have to answer for. gerri: is crony capitalism there on and political action committee and who gets the many? members of the senate banking committee, elizabeth warren a woman who we thought was squeaky clean. richard shelby, chuck schumer, and another case of companies getting so close to people on capitol hill, congressmen, senators, staff, you name it and driving policy and giving jobs to people who clearly are not up to the effort. >> you will definitely have to have congressional investigators looking into the possibility of a quid pro quo but they may not be the most eager investigators if there is a sense that it could benefit. but in the and alternately one of the lessons from the case that is when you have

big government this size and involved with these activities at the federal level $4,000,000,000.4 million homeowners, you will have these inefficiencies. if you want a more efficient government you need a smaller government. gerri: i am not an advocate of this program in particular and it was on the shoulders of those to check out the loans in the first place but to with the right way and don't screw up. there is one other point* in terms of crony capitalism. treasury secretary lew has connections and has invested in this group in the company itself through the investment vehicle, citigroup was involved. it smells to high heaven and it seems nobody cares because congress has been paid not to care at this

point*. >> walk on to washington this is the way our modern the by a fine state doesn't work and if you want to reduce this inefficiency or corruption or the appearance of it, it is too early to say here but the best way to do that is reduced the government with the federal government is doing and you will reduce the inefficiencies and corruption. gerri: i have not seen you in awhile. good to see you now we will go back to roberr we introduced am with the texting free advocate. do we have you? >> i'm here. gerri: i can hear you. when i was introducing this before i said more teenagers are dying from texting and driving and drinking and

driving drunk. this is an epidemic. why? >> there is a couple of reasons but the big thing is they have been told trevor don't drink and drive don't drink and drive it is dangerous on either hand they believed texting is natural the primary form of communications victuals see that as said dangerous activity even when you mix it with the driving. the biggest thing is so many more teenagers are texting and driving and drinking and driving it is claiming for more wives and getting worse, not better. gerri: it is unbelievable. you can have laws on the books in 46 states that have banned it better than not being enforced? it is not like you can do it legally. >> most have gotten on board with a texting and driving lot to prevent it but the

problem is they are not enforceable. it is a secondary offense the most police officers cannot pull you over for texting and driving but they have to believe over for other e events or witness you doing it for such an extended period of time that makes it difficult for them to catch you in the act. and even if they do, half of the states are not putting points on the motor kirk -- motor vehicle report it is more of a nuisance than a persuasive tactic. gerri: so the laws are ineffective? >> at this point* they are. and it is just one part of what needs to be done. it can be attacked from different fronts not just the laws encouraging teams and drivers of all ages. gerri: let's talk about the texting dan and explain this by first why are you interested in this topic in

the first place? >> sorry, i am losing you again. gerri: i will tell the audience the some bands are little plastic some bands wear them on your figures maybe you'll remember not to texting and drive. figure for coming on the show. thank you. what do you think? here is the question are you guilty of texting and driving? willhare t rultst thend thehow sould th fda sta gulang compnd prmacs? is st o citol hi todawe wl he fro one natoon t iss how youo at? and w toecidif ad wh t ge dibili insunce. ♪

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gerri: americans injured just about everything your home, your car, but what about your ability to earn a living? disability insurance could be a good option but how you go about deciding that? our personal finance expert is here.

jordan, a good to see you. start with the facts on why people might choose disability insurance. one at a four they will become disabled before reaching 67. we did not make that up. [laughter] but from the social security administration. disability causes 50 percent of mortgage foreclosures of that is the reason. >> you don't think it happens to you and so it does. just insurance you don't buy it until you needed and you can't. gerri: the government offers at. >> but it is beerbohm's very disabled very badly elman hundred dollars is the average and not enough to live on. >> a lot of companies to offer group disability that will pay for maybe 6 percent of your salary. gerri: you can buy individual. >> and supplemental on top of what your company may give you that may get you up to 80% they will never do

100 percent because they want you to go back to work. gerri: but this is expensive >> it could be several hundred thousand but it depends on your salary one of their biggest assets is their salary if you were earning $50,000 over 20 years that is a million dollars it is bigger than your car or your house. gerri: but it can be difficult to get. >> you have to be in good shape and you cannot be old and sick. it is difficult to get if you are free-lance sometimes you have to do it through a group and you can get individual policies but it will be expensive. >> but the coverage is limited it is hard to get anything covered. >> you will never get the complete salary is about

80 percent is the most that make sure it is not a noncancelnoncancel able. and what is called guaranteed issue will help you and to get the cost of living increase because you get at today's level. gerri: i can just see buying insurance then finding out years later you have been paying into a for years but now you're getting $1,986. >> they do offer that it does cost extra but get colette it will keep up 5% inflation in 20 years it will be worth something. gerri: a nice thing about talking about you i know the you are not giving me the line from the insurer's. is it worth it? >> i have myself. i got it long ago and you only take it up to age 65 than you.social security but

you never know what will happen to you until it does then it is too late for you cannot buy it when you are disabled or tornado insurance when the tornado is coming at you. it cost something but it is peace of mind and a lot of people do not have it. it is causing a huge amount of financial problems if you cannot pay the mortgage. gerri: even more than the disability. good to see a. time for lookout the stories you are looking into night. stocks are back in the red after going to record levels even the decline of americans applying for unemployment benefits failed to boost stock prices and due to denounces the web site will offer up paid channel from movies to sesame street. it will cost $0.99 per month with the average is around $3. is jamie diamond done?

the battle to strip him of the chairman title well he will remain ceo is it is the result of the london wailes debacle. also the highest score ever recorded in "consumer reports" automotive testing i kid you not. it has scored 99 of 100 and the battery of tests. it also was around 30% after reporting the first-ever profit. those are some of fostoria's right now on foxxbusiness.. we will tell you about the latest hit with investors and the senate finally finally, finally taking a look at compounding pharmacies and the lack of oversight putting consumers at risk. find out what lawmakers learned when i am joined by a the senator from kansas city. don't go away. ♪

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gerri: unbelievable today the fda official giving senators a dire warning as a deadly meningitis outbreak will happen again if no action is taken on a compound in pharmacies. the senate holding a hearing today to push ahead the bipartisan bill to give the fda more control over these compounding pharmacies or at least some of them. with more on this we have pat roberts of kansas. senator, i want to remind viewers we have more than 50 deaths from the mistakes from new england, pounding pharmacy.

it got a lot of coverage and here we are seven months later and the problems are even more widespread than we thought the fda says it will happen all over again. is that right? >> i don't think it's right with all over again but this danger is present. the situation of new england is such that 53 people died and 700 got very sick. it is a shame that has to be a catalyst to move on a bill we have been working on 10 years but we are trying to put out the problem of the major compact -- confounding manufacturers and the sale of drugs across state lines and with regulation of the fda to address the problem. gerri: view say there are two kinds of compounding pharmacies of the big one to send drugs over the place and then other custom of its. which one should the fda be

involved with? >> the former you talk about the local pharmacy and what they do everyday to serve senior citizens or anybody. and in many cases from small-town america that local pharmacist is the only thing left in terms of local health care provider. they don't need federal inspectors running around the country. we can do with the state pharmacy board and if there is the egregious case the fda can come into work with law-enforcement and get a warrant for any facility we just have that happen in florida where there has been a recall. so the fda is stepping up -- up to investigate 30 pharmacies. gerri: i want to tell a story you have been active on this issue for a long time over a decade after a kansas city's azeri pharmacist was found

diluting cancer drugs. >> that is egregious. looking at the fda reports it is disgusting and those people have to know is not right to make drugs this way but 10 years later why can't we get action? why is it taking so long? >> we had a bill or a steady right after that happened by the way that individual is serving time now. and deservedly so. there was action taken but at any rate you are right with other examples we push hard for of bill in 2003 and 2007 we got pushed back from the major compounding manufacturers that we would regulate out of business but this time we wanted to open the process to say be part of the answer not the problem. they with their today and testified and they are on

board with the bill with a few changes and we will take a look at those. we change the whole dynamic of the legislation to get everybody involved and to make progress. gerri: i hear what you say but the proof of the pudding is not getting the bill passed by having a safe drug wind can americans count on the drug's from these these, pounding pharmacies and mold it will not the sec? in a basically you pass the bill then fda to do the job they need to be doing and public safety is the number one issue and you don't want to put anyone and of business but on the other side you want to be careful of the local pharmacist you don't need inspectors. the fda is stepping up with 30 pharmacies they are taking a look at with the latest in florida.

they to do that with the state pharmacy board and inspect the site of anybody writes a complaint they can get a warrant for respect of records or close them down. we do have the authority. gerri: we have to have access so people have confidence. 75 deaths and over 1,000 illnesses with compounded drugs since 2001. you have been a great. thank you for coming and i know you have been all over this. also today that he is getting hotter around benghazi and john painter steps up asking the middle of the killing of the ambassador and three other americans and congress will continue to investigate benghazi and as lou dobbs showed there are good reasons do demand answers.

>> the number two diplomat gregory hicks said he was stunned when u.s. ambassador to the united nations susan rice appeared on the five tent -- sunday talk shows and said it was not a terrorist attack but a demonstration over the anti- islam you to video and said he was stunned and embarrassed. so why did the state department added the intelligence talking points to delete all references in those talking points to radical islamist and al qaeda? gerri: he joins me now. what is the topic tonight? >> we will continue to talk about ben gauzy -- benghazi because it will be with us until the answers are presented but today the president went to texas to talk about jobs. texas talking about the agenda. [laughter] gerri: it is a good example.

>> the land of cowboy and cowboy hats with budget surplus and low taxes and a speech in the press and on jobs is long overdue it is ben about one month since he talked about the economy. we see governor rick perry has no problem urging the president to follow the example can you imagine the obama agenda? big taxes and government and regulation? there will be a little bit of a sales problem. [laughter] we will bring everyone up to date on benghazi and also the seven point* five hour hearing on the giving of a immigration bill and they went through 30 amendments it will be quite a process. gerri: data for coming on.

good to be with you. the best airlines with frequent-flier miles and low risk and lower reward? summer seeing huge gains for investors. where to put your money. next. ♪

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the stock market so what is going on and is there a risk? %-morningstar comment tim, this sounds like a crazy promise of paul street it is low risk. it is low risk. it will never go down. what is going on? >> with the investments they are not promising no losses but they do offer is a bullish market they underperform in the bear market they tend to outperform the saw that in the financial crisis where the s&p 500 balls to the index at the worst point* lost 35%. >> i have to tell you by the way it is outperforming has something to do the way volatility stocks perform? health care consumer discretionary it is up 17%.

is that what is going on this same stocks are doing well? >> to allow the defensive market do well and last year with the low volatility index. gerri: now everybody climbs on board. >> we have seen a lot of investor flows and these are relatively new the oldest is only two years old. while there is investor money it is tiny compared to the overall equity market and the fund that is following the broad market strategy. gerri: couldn't success be attributed that they were small it is easier to grow when you are tiny the and big? >> these are index funds so it is not like an active portfolio manager making call so small portfolio to help the mound but they are just index funds i don't think that is the advantage but i will say long-term years down the road if

everyone starts investing in the low volatility stocks the of performance will definitely go away. gerri: are you still recommending them now? >> we do because there are a lot of investors out there that may be got out of the stock market with a financial crisis and have not got back and and they realize there will have to have some stocks in the portfolio and the equity investment do they appear to go back in a market -- tip your toe into the market. gerri: now to of the etf are doing well. >> this is the largest fund and the oldest it has outperformed the s&p 500 since conception the only issue i have it only takes the least volatile so it has

very high sector concentration right now over 30 percent utilities. you may be okay with that but long term 30 percent is a high allocation. gerri: you have another one there? >> with this one does differently is diversify across sectors a you don't get the 30% allocation but a much more diverse portfolio and it is cheaper at zero point* one 5%. gerri: they are up 16 and 14 percent respectively. thank you for coming. something is going right. we appreciate your time. we have more to come. the white house picking losers and want to become more frequent flier but don't know which to pick? stay with us. ♪

gerri: want to cash in your frequent flyer miles? coming up the best airline for you.

gerri: more often than not getting a free ticket using frequent flier miles as a game of chance leaving the consumer out of luck with odyssey but some airlines to a better. here is the best airline to cash it and we have the ceo

of fare compare.com. there is an interesting study to show you value airlines the newer ones give you a better deal when it comes to frequent flier seats than the legacy airlines. >> i think that is right but for the most part the low-cost airlines like jet blew and southwest concentrate on giving that they have a business advantage they fly a lot shorter flights and typically they are not as also they have more seats to get away with a new business model that the $90 a barrel wheel and it is more difficult to redeem. to give you a point* of reference last year american airlines redeemed 5,000,001 way towards that is a lot of redemption. gerri: i never thought it was that big. that is interesting but five

top u.s. airlines they said southwest, airtran, a jet blew, united and alaska. do you agree? >> it is close if you ask frequent travelers and i do a lot of this looking and legacy programs american is at the top then you have following that united then u.s. airways and delta that will become a part of united with the american but then people tend to like jet blew better it. gerri: and the airplane is newer but there is something going on that is interesting and now getting a lot of reporting airlines aren't dumping capacity to fly fewer routes and i think here comes the higher prices. what is going on and what should i lookout for? >> right now our tracking

shows we have been tracking your fare since 2003 prices are up only 1% compared to last year. the bad news is it was the most expensive summer since 2003 so airlines have increased prices to the saturation point* and have been trying to raise fares every two weeks this year with limited success but they have finally reached the maximum especially with the economy today. gerri: you do see them move up these numbers around and it is hard to understand the real underlying trend. what advice you give people out there who try to manage those points in the intelligent way? >> first of all, i and and member of 12 programs but i only use two of them because that is 90 percent of might

flights out of my city so if you pick a couple and monitor them in my case i will be using them for any ticket that is expensive for last-minute travel, a special trip somewhere i like to give away points to a charity so any time a ticket is over $475 you should consider using points if it is below that use cash , it is a better deal. gerri: a great point* of reference. thank you for coming on. always a pleasure. we'll be right back and the answer to the question of the day are you guilty of texting and driving? stay with us. we went out and asked people a simple question:

how old is the oldest person you've known? we gave people a sticker and had them show us. we arned a lot of us have known someone who's lived well into their 90s. and that's a great thing. but even though we're living longer,

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number-one killer of teen drivers, surpassing drinking and driving. are you guilty of textile behind the wheel? here is with some of your posting on my facebook page. i have done it in the past bus stop quickly well learn how hard it was to drive and text. don that i even tried. but i don't now. charles says, if you're testing while driving you are as guilty as someone pointed a gun dennis the driver who is trying to go somewhere and still be safe. if your mom and dad and sexting and driving, you are putting forth a really bad example. we also ask this on gerriwillis.com. 4 percent said yes, 96 percent said no. be sure to log on to gerriwillis.com for online question every weekday. and we have a ton of the mill's expressing a similar sentiment to this one. i was shocked that you think the increased availability of mortgages with 5 percent down as a good thing. i think that is advocating for what caused the problems of

2008. someone is much more likely to default if there is so little of their own money in the home. and here is my response. i appreciate what you're saying, but the reality is, bankers have swung the other way in underwriting loans, so much so that i hear from viewers every day who simply cannot get loans despite decent credit. as usual, there is a reaction and then an overreaction. as simply don't believe there should be only one kind of mortgage. 30-year fixed-rate, 20 percent down. many people i know who watch this show are capable of deciding how much risk to take themselves. i trust them more than i just the regulators. we love hearing from you. send me an e-mail. detectives five. and finally tonight, more evidence the so-called green policies of this president are not working for, mainly because they're spending a lot of taxpayer dollars without much to show for it. for starters, the two programs telling allows the companies like solyndra and about solar

has been 26 billion since 2009 they created just about 2300 jobs. do the math to my friends. that comes up to more than $11 million per job. not only that, the company's there are investing in are going bankrupt. 528,000,002 years later it went belly up. begin power filed for chapter 11 after getting 72 million. about solar quickly followed after getting 68 million. they were scheduled to receive 400 million, just a few of them. no latest company, stopped production and laying off its 100 workers. apparently the $50 million from taxpayers was not enough to keep this company afloat. it is bad enough that this white house continues to play fast and loose with our money. could they at least do there research and not bet on the debts? that is my "2 cents more." coming up tomorrow, fox business will send the -- spend the entire day on the business of

real estate. we will be joined by a host of flip this house to answer the questions, how do you do that. that is it for tonight. thank you for joining us. have a great night. ♪ lou: good evening. thank you for being with us. politically very tough day for president obama. he was not trying to sell refrigerators to eskimos and alaska, but he might as well bin. the president chose to be in texas today where he tried to sell his economic agenda of higher taxes, more and tougher regulation and, of course, much bigger government. but taxes turns out to be one of the most prosperous states and the union by doing just about the exact opposite of everything the president has been, well, recommending. currently it boasts an unemployment rate over one point