melissa: you will come in and out of them. you guys are fantastic. that's all the "money" we have today. next time he's wearing the kilt. here comes "the willis report." gerri: hello. tonight on "the willis report" the worst charities in america. he makes the list and why? also, the latest scam going around. the targets are parents and grandparents. the secrets of how the wealthy spend their money, live better, spend less. we are watching out for you tonight on "the willis report." ♪ gerri: our top story tonight, charities giving little or sometimes none of the money they raise to people in need. it sounds incredible, but according to a new report today

in the tampa bay times, the top 50 worst charities in america hire a for-profit companies to do the fundraising. the net result is just a few cents on the dollar going to the people who really needed. in some cases according to the times, a few charities spend all the money that they raise on overhead and give absolutely nothing to needy cases. with us now, the tampa bay times who has spent a year investigating this story. thank you for joining us. help us understand how a company -- the fund-raiser, how is it that they can give so very little to kids? >> well, i think the important thing to remember is that they put themselves on this list by giving the lion's share of the public contribution to their fundraiser year after year after year. all the information that we polled was from their irs 990 filings. kids waste, which has been around since 97, for instance,

has raised $128 million in cash over the past decade. $110 million of that was kept by their professional solicitors. gerri: that's unbelievable. that's unbelievable, and it happens over and over again. in your story, which i read which is really fantastic it says that this organization operates from a metal warehouse behind a gas station, does not look reputable. tommy, what did they say when you came to them and tried to point out these facts and figures? >> well, they have hired a crisis management expert from new york city who last end of the bp oil spill. she told us they're focused on the future and declined to answer any specific questions. she said that they use professional fund-raisers said that they can allow their 51 employees to focus on granting wishes. gerri: that's even more money that won't go to kids. it is unbelievable. i wanted shearson numbers the

yes, came up with. you did an extensive investigation here. the worst charities in america. fifty worst charities done in less than 4%. how is this possible. does anybody care? does anybody call them in to explain this? to change this? why can this go on and on? >> well, i think that people don't understand when they get these calls are they get these pieces of mail in their mailbox, how little money actually makes it through the charity. in the supreme court has said that the telemarketers don't have to volunteer that information. but if you ask, they are supposed to tell you. if they don't tell you the truth, that's fraud and it is against the law. gerri: that's interesting. some of these organizations sound like a little more than france for fund-raising companies. some of them are mimicking the names of what i would consider legitimate charities. one of the company's him of the

foundations that you go after in this report, the american breast cancer foundation sounds like the national breast cancer foundation incorporated. fund-raising for 14 percent of the money that comes in the front door. is that more legitimate than the american breast cancer foundation? >> well, i have not looked at that charities 990. it is important to emphasize that every charity may have a money losing campaign from time to time. we're really focusing on those for which this was not an anomaly. this was an addiction. gerri: and american breast cancer foundation is, from your report. it ranks number four. i would think it's all those metrics and all those marks. absolutely. gerri: as you look at this and to confront these charities, what did they tell you? what did they say? out of it defend themselves? >> well, many of them would not talk to uu or fergus to their lawyers. those that did talk would often say, look, i'm getting $0.10 on

the dollar. that's better than nothing. at think their response to that is, only 4 percent of the charities in america use these types of professional fund-raisers. 96 percent of the nation's charities have found other, more efficient ways to raise money. ways that are more loyal to their donors. gerri: tell me how much some of these executives make it these charities. >> well, recently found that there were charities' making six figures, where the executives were making six figures. project store is one that has been around since 1984. they are at $3 million in debt to their fundraiser, and get the executive director makes over $200,000 a year. we are not quite sure what they do. they say that they promote alternative treatment for alzheimer's, prostate cancer, diabetes. we could find no evidence, nor were they willing to volunteer any evidence of their activities gerri: it seems to me if they were doing it they would want to crow about it. it would have pride in what

they're doing a show off. the other thing that you report, which is really interesting is that they go out to the same donors over and over again, and many of these folks are elderly. what you think they're targeting as people? >> well, these telemarketers and direct mail companies usually represent a number of charities. once you have given you become a hot property, no. that is called, run through the cycle of all the charity plans they have. so if you give to one you're likely to get a call within a few weeks from yet another one on the client list. and there was an accountant in minnesota who looked at her mother-in-law's finances after the woman was put in an all summer some. she found that she gave $15,000 over four years and was being called every two or three weeks by one of these charities. gerri: that is amazing. thank you for coming on the show. i would like leave your story on our website so people can find it. another want to see the names. make sure it is not on their giving less. thank you for coming on.

appreciate your time. >> sent you very much. gerri: and believable. eople you're tryinge that? to raise money for and get away with it. maybe that's what the ira should be looking at instead of the pitch your people. unbelievable. heads up, scam artists -- scam artists such targeting you. the michigan attorney general's office investigating of rosters are robo calling seniors about a free medical a service that is anything but freak. joining me now, johnson said privacy project director at consumer watchdog. i have been looking at the story of a long. have to tell you, these critics find all kinds of ways of going after people. as a news came every day. you are these people? >> i think they are rather unscrupulous lot. they delight in prang and some of the more vulnerable parts of society, like all the folks. in this case with there were doing was making it sound like someone else had ordered a

medical a device for you and then pretending that it was free, but then when you actually signed up for it there were substantial charges that could put a new credit card. at the least. possibly your credit-card number might be used for future charges agaanst your account. >> it's happening all over the country. michigan, new york, texas, wisconsin, kentucky. reports are of your work. i was speaking to the attorneys general's office in one state where they say they're getting 40 calls a week. mom and dad kg our grandmother will be targeted by these people well learned today is the 22 percent of people under 70 have some kind of cognitive impairment. some kind of -- maybe it's hard for you to see it take today. maybe you don't see your family

@%at often, but they have some kind of mental issue. these cameras see that in your after that. >> absolutely. what they do is put the pressure on you to make a decision ride on the spot. really push. one of the best defense -- is two things need to remember. whenever something sounds too good to be true it almost always is too good teacher. beyond that it's not a bad idea to invoke what i call a cooling-off time friends. they make this thing to you. it sounds really good. the offer sounds interesting tell them to explain it to you in writing and have you -- have them send you the offer in the mail. gerri: it's a good idea. i actually say, hangup the fund. digestible even even talking to these people.

frankly, even if you're on the do not call list this stuff still is through. the only people who call my house a home contractors and people doing scams. sometimes a the same people. let's talk for just a second about how kids can help their parents. that's what really needs to happen. we need to have a generation talking to this old generation about what's going on. how do you do that? >> i think you make a point of talking to your parents and asking them what kind of phone calls they're getting. did they know that they should not be buying things usually over the phone? and someone just reached out and offer it to them, is one thing if you want and you make the call and initiated, but you should be skeptical of calls that come in they you have not solicited. i think that kids can have that kind of conversation with their

older parents and should do that. gerri: two is the first person you call if you realize that somebody in your family, somebody close to you has navy said yes to one of these telemarketers to is damning enough money? >> i think if you think a relative or yourself have been scanned, you should report it. some people are embarrassed. the only way we're going to get it stopped in to catch these people is to report it. a local attorney general. the police. the ftc, the better business bureau. it definitely should be reported. gerri: absolutely. thank you for coming on. >> glad to be here. gerri: unbelievable. up next, live better and spend less. youtube been shot like the abridged on a budget. and we answered the age-old question, by release? stay with us. ♪ something complely different.

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gerri: next on your shopping, don't be surprised if you run into a prince harry at the checkout line. the rich are bargain hunting. president of talented clients joins me now with of the richer spending their dump. so this survey from a luxury institutes of people with net worth of 5 million more. they say they see a trend toward people buying less and the way of luxury goods. you know, the really super grouper fancy bmw, this kind of stuff does not hold deal or any more than a used to. why? >> it depends under your talking to. remember, the luxury institute sample size is 504 people. is not like it's an entire huge sample of the you're wealthy. rea not spending any more.

-- our rotation out of certain luxury goods into different luxury goods. fine wine, restaurant, and travel as opposed to timepieces and handbags. gerri: it's possible. what we do see m1 i think is really catching the wave is this idea that visible brand logos are uncool. you know, that big michael coor's brand, maybe not. in this because a lot of those luxury goods makers have started introducing lines that are supposed to hit the bid price point. suddenly that does not seem to especially more. >> you're absolutely right. the gateway drug for a lot of these luxury brands is something that is less expensive with a very large los up on it. true luxury brand lovers, that's -- that's why you see the rise. a broader issue that has a restaurant on the bottom, something that only you know or a very select a lot of consumers

know that that is a luxury good as opposed to running around with this job on your bottom. gerri: here is what they found. 60 percent said the prices are too high relative to volume. 50 percent don't like products of visible brand logos. searching for experience instead of the bag that hangs off your shoulder. it's a very different thing to buy. how the regard that? >> well, i think that the term luxury is actually changing. it is less about what you say when you with a brand and more about your lifestyle and what you can do what you're wearing a brand that makes any sense. so private jobs, expensive vacations, fine wines. if you're looking at someone across the room, you don't know what it is. only the consumer really knows if. gerri: a private jet.

take a look. we mention this in the intro, shopping in ts amax. the man has a net worth of $40 million. his wife is buying shirts at costco that he wore when he was campaigning. 250 million. and heidi klum, now worth 70 million shopping a target. britney spears shopping of walmart with a net worth of two under million. there is something to be set for this. clearly the press people call the press people at the pictures of there. they're not trying to hide it. their private. >> well, that does not shock me. gerri: she speaks so well of you. >> were very close. however sharon stone was really the founder of this whole ad hoc hilo dressing when she went to

the oscars and our gap t-shirts and your wing down. that kind of made it okay to makes high fashion with discounts. the thing is, it's very cool to be savvy. if you look at a company like target, they made saving money cool and chic and sexy. so why shouldn't you be allowed to? gerri: luxury companies, they had to this and figuring out ways to appeal to the eye and customer can for their goods? >> yes, they are. they're really trying to tune in and be a part of their consumers' lives. you hear a lot about this channel happening. it's a term that is bandied about in retail. contacting them via twitter, facebook, youtube, ipads, pause to many way they can possibly contact. they also want to of the exclusive. the stock prices continued to hold so exclusivity is gere.

gerri: how lax t.j. max and i have to say. thank you for coming on. >> thank you. gerri: just said, important news ahead. should you buy or lease a new car? gerri: how i like lax t.j. max are you keeping an eye and who is unning your investments? why it's so important to know where your mutual fund manager is. ♪ it's monday.

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♪ gerri: i you in the market for new car? more and more drivers are asking themselves the only what kind of car to buy, but whether they should buy release. according to a recent report, auto leasing is hitting a record high. more on this, of editor. the numbers of this. all the sales, 27 percent were bought with police. the story for some time has been you get into the luxury-car you wanted. what do you think is going on? >> some lawmakers early focus all their incentives on leasing. if you find one that is heavily incentivized, you can get a good deal. this car's a getting older and they're trying to get into whenever they can get into. gerri: absolutely perry was the median length of time?

it's a ridiculous amount of time >> eleven years. gerri: has long in this country. have you make this decision now whether that new cars should be a lease or purchase? >> it's almost always going to be a better financial deal on how long run. in some cases you can find a really good deals on if the manufacturer is having trouble moving a certain car. they may focus their incentives that way. gerri: one of the questions you ask yourself, making that decision today. >> the most important question to ask yourself is, am i going to be comfortable living within the restrictions of the lease? willing to of the term and the number of miles available on it. also, do i keep my car in really good shape? if you don't you could end up with a lot of excess wear and tear charges. gerri: how much do you drive? that is the critical decision. >> and those miles. some luxury cars among the mileage limitations there's almost a dozen miles a year.

gerri: which would be easy to it a lot of people think i don't really want to put that cash into a car right now. leasing is a leader. white is so much of it a better economic decision? >> because you don't have to buy another car at the end of that. the lease you turn in your car and presumably still need to get around. you need to ask yourself how you will pay for the next car. gerri: absolutely. the other hand, you don't lose all the value which is my big bugaboo. >> beyer still paying for that. talk that is coming back. gerri: you still get that. interestingly, the electric car, you might give a different analysis on whether to buy release an electric car. >> mainly because it's brand new technology that is still pretty improvement. the only thing you know is that the next electric car is coming along and is going to have cheaper batteries and likely go farther. it will make this generation

obsolete. we don't know what that will do resell value. also, we don't have any history of durability on these batteries. we don't know how long the last. if you can offload interesting stuff. thank you for the vice. >> thank you. thank you for having me. gerri: who want to know what you think. he buy or lease? log on to a gerriwillis.com and done the right hand side of the screen. all share the results of the end of the show. so, what are the most leased cars? that question is tonight's top five. the toyota camry.

it has been the best-selling car in america for the past seven years. coming in a number four, the civic. you can drive away in one of these resolutions 1209 a month. number three among the many cooper. the popular leagues for folks in california, florida, new york, new jersey, and texas. the audi a for convertible. the number one, another popular model, the honda accord. coming up, important advice for your money. in your fund manager jumped ship what do you do? have to make sure your investments stay afloat. the house perks of drinking coffee. how many cups you should be drinking a day when we come back.

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fox business studios in new york, here again is gerri willis. gerri: in a minute we will tackle how to handle your mutual

fund managers to partner -- departure. the revelation of to alter a secret government surveillance programs sparking a fierce debate over privacy in this country. just how far should the government of into the lives of its citizens in the name of security? lou dobbs tackle the issue this morning. >> many millions of americans have become so dependent upon government that they are unwilling to even consider the possibility that they are sacrificing their right, liberty, and their choices in our society, which after all is the reason we live in a society because we're free. right now people need to understand, there should be more questions than people running around with answers like eric schmidt or president obama or, frankly, the chairman of various intelligence committees. this is time for people to think gerri: well, speaking of thinning, lou joins me now. but you talking about? >> we will lay at the astonishing amount of data that our government has access to

tonight. we will be doing that in our chalk talk perry will be talking about the business of spying. an intelligence officer in the u.s. air force, former deputy training director at the national security agency. also, thomas strike, a former nsa employee and whistle-blower who faced charges of violating the has been hijacked. a case that eventually fell apart. he will be taking all of that up it is going to be a fascinating, fascinating discussion and show at the top. gerri: i think it is. we will stay tuned for that. thank you for coming in the show. >> thank you for having me. good to see you. gerri: the revelation that your mutual fund manager has left the firm might have you wondering if you should do the same. of more on this to market watch senior columnist. all right. what do you do? you bought the fund because you wanted active management. you had it command of a fund manager is up and leaving. >> well, you want to find out

basically why the managers leaving and if this is good or bad news. as a general rule we're talking bad news if you bought the fund for the manager, not necessarily happy that their leaving. but you don't jettison the fund because the manager left. instead to me put it on your watch list. take a look. a lot of the ratings agencies, firms like morningstar will take their writing off and basically suspended while they wait to see what will happen. last year you had arguably the best manager of all time from vanguard health care announcing his retirement. it was his team and his co-manager taking over, and there was not anybody close. you knew you were going to give them a chance to show that there were not upsetting the apple cart. gerri: not everybody. sometimes it is hard to know if a manager has left because it does not get a lot of coverage. is there any way to find out? >> you can always check with your fund company. for most people that will find out more by accident. unfortunately companies really

don't have to tell you when the manager changes. ever in their prospectuses so that it is not required. when you find out, if you owed janis 20, at one point he was a manager with a good portfolio and a good track record. at the last two finds he ran his record was terrible. you have to take a look into this fund has not had a good manager no matter who they tried. maybe if they're giving upon the manager, i should give up on the fund. your not going to give them much time to find someone he could make things better. you might just look in go, that manager did give me why wanted. why am i staying with the firm of? gerri: that's a great point. the reality is some of these fund groups, managers turnaround all the time. i mean, you may not be aware of it, but there is movement every month, two months. it can change very quickly. what do you do in a case like that? >> though good be that you pick the company in part because they have a deep bench. silver for example, firms like

fidelity use analytical teams and typically are moving people up. when they have that turnover, you have a guy who already has a management track record. you can see if it's run in the same kind of assets to be if you feel it's the same kind of assets or similar in their is a reason to expect things to be a cave in you know you're going to give it a fairly long least through the transition. if you look in go, who the heck is this that it is promoted, and a track record or comes from a bad fund, then you're going to say six months at the outside. you can show me something commenced on the go. gerri: a lot of people like to buy the fund because of the manager, but the reality is past performance is no guarantee of future returns, even if they have less stellar record, they can fall apart. we have seen it happen before. but third avenue value. it certainly happened there. >> well, perhaps the greatest example of all, bill miller had a long streak of beating the s&p each year.

of course what it is is you want to make sure you aren't buying the manager necessarily just because you have confused the bull market for brilliance. i think you have to make sure you're taking a look in going, is this manager truly tested and what is there in terms of support? if there is no support in your ad spot where you're saying when his manager goes, i'm buying in knowing of my be ready to go. if you bought a fine or has the managers last name on it, you have to be assuming that may be one that manager is no longer running things you put them on a short leash. under any circumstances, del lead manager of -- just because somebody was brilliant ones does not mean there will always be brilliant. gerri: they are done. the smartest thing we learned here i think is don't confuse a bull market with brilliance. the tea things can be very different. thank you for coming on. good to see you. >> always a pleasure to.

gerri: a little later we will break down the results of a new survey on what americans know and don't know about financial matters. next, a new report on the health benefits of coffee. no kidding. it is good news. stay with us.

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addiction medicine is on your side. joining me now with the health benefits of your morning joe, dr. philip, attending physician at winthrop university department of urology. always a good to see you, and you bring is good news. how is it the coffee's good? >> all of us now with the stimulus. it gets rid of the tea, helps concentrate. we also know that if you take too much you get this central nervous stimulation affect too much, jittery, the caffeine jitters, the agitation. but the caffeine is actually acting by blocking these receptors. aad these are all over the body. in the brain, the long, hard, the central nervous system. and if you stimulate their receptors, that can result in inflammation. inflammation is not good. gerri: you're saying too much is bad.

>> too much is bad. if you can block that with caffeine that is worst than the healthhbenefits of coffee. gerri: i cannot believe it. so it reduces their risk of type two diabetes. >> more than 15 published studies have looked to diabetes. we know that caffeine can reduce that risk. it's very controversial. people who have diabetes. it can actually worsen their diabetic control. very controversial information. if you don't have diabetes, many of the study session on that caffeine can reduce your risk. gerri: and thing. i like the thing that is staves off to mention. that's what i'm really hoping. >> looking at caffeine. results in inflammation. if you block it you reduce inflammation. they do not like inflammation. caffeine is being shown to reduce not only outside, other types of dementia, also parkinsons' disease. caffeine can be protected.

the dopamine cells can result in parkinson's disease. so lots of benefits with aging in brain function. gerri: the same thing, the inflammation. >> we know with caffeine and also other ingredients and coffee there are anti-inflammatory properties. and and i oxidant properties. a lot of caffeine in tea. can have many health benefits. reduce inflammation. this is being shown to be beneficial for breast cancer, skin cancer. so i'm sure starbucks is very happy. gerri: that's great news. disease is just a drink upon our to every day? , should i take? >> we have to be careful. to get half milligrams per kilogram. you want to have a maximum of three of 400 mg. if you're drinking more than 48s comes a day you're heading toward taking too much. i share many of us are out

there. gerri: we are. thank you for coming on the show. good information. i'm sure you meant a lot of people at the. gerri: time now for a look at the stories. the government investigating on the air bags. airbags deployed suddenly, even when drivers were not involved in a crash. fedex raising shipping rates. the company said rates will go up by foreign after since july. the latest bank to do away with free checking. customers who don't meet certain minimum balance requirements will have to pony at as much as $25 per month in fees. and mcdonald's, cheap eats are helping push sales higher. new chicken wrapped and egg breakfast also. mcdonald's has been shaking up its menu recently in the face of stiff competition from the likes of burger king and wendy's. and those are some of the hot

stories on foxbusiness.com. still to come, my "2 cents more." coming out, the federal reserve is taking back the punch bowl. what does that mean for your stocks and portfolio? my financial panel is next. ♪ if you've got ityou know how hard it can be to breathe and man, you know how that feels. copd includes emphysema and chronic bronchitis. spiriva is ance-daily inhaled copd maintenance treatment that helps open my obstructed airways for a fu 24 hours. you know, spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace fast-acting inhalers for suddesymptoms. tell your doctor if you hav, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva. discuss all medicines you ke, even eye drops. stop taking spiriva and seek immediate medical help

if your breathing suddenly worsens, yourhroat or tongue swells, you get ves, vision changes or eye pain, or problems passing urine. other side effects include dry mouth and constipation. nothing can reverse copd. spiriva helps me breathe better. do breathing with copd weigh you down? don't wait to ask your doctor about spiriva. gerri: coming up, is the party over for the market rally? are financial panel weighs in -- ways in.

♪ gerri: markets throughout the day after several weeks a big-time volatility. is it too late for the individual investor? here to weigh in, hillary

cramer, president and cio, jordan goodman, personal finance expert and cio and portfolio manager. is another attempt to get in or out? >> in. but you want to get that measured step. we're only three points of the measure time. gerri: what do you say? do you agree? >> it depends on your time horizon. if you're looking at ten years then stocks are still the best alternative to bonds or real estate. gerri: all right. jordan, a lot of people out there say look, it's all about the federal reserve. the jobs market on friday. does that mean it's all over? >> two will still have more good news. the federal reserve will keep the panel to the metal and keep the $85 billion a month spending that is the fuel that is making the market go up. bonds look terrible. a real back up and bond rate

that is dangerous. money markets will be a zero for a long time. stocks is pretty much the only game in town. gerri: it brings about a good question because everyone expects interest rates to spike affecting a lot of people a different ways. maybe you'll get some, but if you're buying a stake in home are trying to trade up in this market you could get killed. what to you expect to happen? >> unfortunately it will be an @%pediment to the market, to the overall economy, you know, the general market. the equities market, just stocks that can keep going up because that is where the money is going. really to this point. that is a dividend yield. it is craze that you can make any money. ten year see the end you get under 1%. and the stock market is cheap. in relative terms, in terms of valuation reuse a p/e multiple. gerri: that's a great way to

look at these things. let's move onto another question a recent survey pointing out that americans -- it does not look like we are financially savvy. 61 percent of those cannot correctly answer more than for financial literacy questions coming essential financial literacy questions. to you, you have a lot of customers. does this surprise you? >> i looked at the survey and it doesn't surprise me. there were pretty basic questions. i was frankly quite shocked. gerri: well, to you. >> it does not surprise me at all. i'm hearing people don't understand these things. they did not get it in college. you get thrown into the world with all these complex decisions and not a clue as to have to make most of the. it's getting a little better. little bit more financial literacy, but a lot of people. gerri: readjustment to the worst market in some time. difficult time for people who have allowed the debt, and get

this number is worse than last year. >> it is possible because we are in at jobless recovery. the world has changed completely in a way that we know it. you will continue to see that market rice. we are going to see a lot of people generally improve their financial situation, except for those who have already established. >> the stock market, tons of money on the sidelines. those people living in fear. all the money in cash. a can't lose mine. >> you lose the purchasing power by keeping it learning nothing. as an example of. gerri: let's get martin in here because i'm sure you hear this. we get e-mails from viewers all the time. they just don't trust this market. they don't trust stocks. then seen the worst of it. what will it take to get people back? >> probably a peaking of the market.

on -- people tend to chase performance. people feel more sanguine about things now than they did in december 2011 when the u.s. debt was downgraded. stocks are up 45% since the number -- summer of 2011. i think people need to release understand what they're doing. essentially what you're doing is you have a claim on the cash flow the business. if you're buying these businesses as did prices and there are still up virginities to buy good businesses it good prices, then over the long term history is shown that you will do okay. people after understand the really simple math. gerri: i think at this time back to business school. well done. shocked me it in the survey more people say they're using palin's is that just going to how bad the economy is? >> about 20 percent of the population has no bank account. they can qualify.

they're depending on payoffs to survive. is not something you normally think of. gerri: it does speak to a lack of financial literacy, but also tells you about the economy. >> and that is why i had to find it to differentiating. the good news is that there are always opportunities. areas for growth of there. i'm an entrepreneur who created new headsets and is selling the best buy it, doing so well that you can create innovation. even still make some money. if you do start. >> we will get to that. gerri: and another segment. we have to leave it there. thank you for being with us. appreciate your time. we will be right back. vo: traveling you definitely end up meeting a lot more people but

a friend under wer is somethg completely different. i met a turtle fend today so, you don't get that very often. it seemed like it was more than happy to have us in his home. so beautiful. avo: more travel. more options. expedia has mo ways to helperr you find yours.

gerri: finally it is the

latest gam criminals robo calling seniors to tell them there on the list to get free medical reservists. seniors will give their credit-card number and even social security number most of us still fall for this but seniors and the elderly are more likely to me you christoph if they think they are receiving a gift from friends or family. 3 billion it are scanned but only less than 4 percent report the crime because they are embarrassed. one of the first deals they lose as they age is to not manage their own finances clearly sons and grandchildren should speak to them about the ischium and when you send them a gift let them know ahead of time. that a strong call may mean they will not fall victim to the latest scheme plus they will love to hear from you. that is my $0.2.

thank you for joining us. do not forget to db our the show. have a great night we will see you tomorrow. have a good evening. lou: good evening. thank you for being with us deal on the administration is sinking deeper into a bog a scandal now dealing with the former hamilton employee who worked for the national security agency who is leaking that he tipped off reporters to the government widespread systematic gathering and mining of data and video and voice records. the former employees is edwards know dan and he is what telling what the operation prism the british newspaper the guardian reported