me. but seriously. thank you very much. you will keep monitoring this. it is your freedom, your basic american rights. both parties are dropping thet. ball very much. gerri: hello. tonight on "the willis report" the worst charities in ameca. makes the list and why? also, t the latest scam going arnd. the targets are parents and grandparents. the secrs of how the wealthy spd their money, live better, spend less. we are watching out for you tonight on "the willis report." ♪ gei: our top story tonight, charits giving little or sometimes none of the money ty raise to people in need. it sounds incredible, but according to a new repeport tody

in the tampa bay times, the top 50 worst charities in america hire a for-profit companies to do the fundraising. the net resu 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 overhe and give absolutely noing to ndy cases. with us now, the tpa bay times who has spent a year investigating this sry. thank you for joining us. help us understand how a company -- the fund-raiser, how is it th 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 ofhe blic contribution to their fundraiser year after year after year. all the informati that we polled was from their irs 990 filing kids waste, wch has been arnd 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 ich is rlly 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 tm and tried to point out these cts and figures? >> well, ty 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 at they can allow their 51 employees to focus on granting wishes. gerri: that's even more money that won't go kids. it is unbelieble. 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 tha 4%. hows this possible. does anybody care? does anybody call them in to explain this? to change this? why canhis go on and on? >>ell, i think that people don'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 theupremeou has said that the telemarketers don't have to volunteerhat 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:hat's interesting some of these organizations sound like a little more than france for fund-raising companies. some of them are mimicking t 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 breastancer foundation incorporated. fund-raising for 14 percent of the money that comes in the front door. is that more legitimate than the americ breast cancer foundation? >> well, iave not looked at that charities 990. it is important to emphasize th 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, fromour report. it ranks number four. i would think it's all those metrics and all those marks. absolutely. gerri: as you look athis and to confront these charities, what d they ll you? what did they say? out of it defend themselves? >> well, many of themould not talk to uu or fergus to their lawyers. those that did talk would often say, lk, 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 arities in america u these types of professional fund-raisers. 96 percent of the nation's charities have found other, more efficienways to raise money. ways that are more loyal to thei 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 be around since 198 theyre at $3 million in debt to their fundraiser, and get the executive director makes o 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. wcould find no evidence, nor were they willing to volunteer any evidence of theirctivities gerri: it seems to me if they were doing it they would wt to crow about it. it would have pride i what

they're doing a show off. the oer thing that you report, whh is really interesting is that they go o 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 y have given you become a hot property, no. that is called, run through the cycle of all the charity pns 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 antant 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 onef these charities. gerri: that is amazing. thank you for coming on the show. i would likeeave your story on our website so people can fi it. another want to see the names. make sure it isot on their giving less. thank you for coming on.

appreciate your time. sent you very much. gerri: and believable. can you just imane that? zero to the people you're ting to raise money for and get away with it. maybe that's what the ira should be looking at insteadf the pitch your people. unbelievable. heads up, scam artists -- scam artists such targeting y. the michigan attorney general's office investigating of rosters are robo calling seniors about a free medical a service that is anytng b 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 inprang 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 whenou actually signed up for it there were substantial charges that could put a new credit card. at the least. possibly your cdit-card number might be used for futur 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 cal a week. mom and dad kg our grandmomother 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,ut the have some kind of mental issue. these cameras see that in your after that. >> absolutely. what they dos put the pressure on you to make a decision ride on the spot. re one of the best defense -- is two things needo remember. whenever something sounds too good to be true it almostlways is too good teacher. beyond that is not a bad idea to invoke what i call a cooling-off time friends. they make this thing to you. it sound really good. the offer sounds interesting tell them to explain it to you in writing and have you -- have them send you theffer 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 going on. how do you do that? >> i think you make a point of talking to your parents and asking them what kind phone calls they're getting. did they know that they should not be buying things usually over the phone? and someone just reach out and ofr 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 thr

older parents and should do that. gei: two is t first pern you call if you realize that somebody in your family, somebody closeo you has navy said yes to one of these telemarketers to is damning ough money? >> i think if you think a relative or yourself have been scned, you should port it. some people are embarrassed. thenly way we're going to get topped in to catch these people is to report it. a local attorney general. the police. the ftc, thehe better business bureau. it definitely should be reported. gerri: absolutely. thank you for coming on. >> glad to be here. gerri: unbelievable. up next, liv better and spend less. youtube been shot like the abridged on audget. and we answered the age-old question, by release? stay with us. ♪ vo: traveling you definitely end up meeting a lot more people but

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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. prident of talented clients joins me now wh of t richer spending their dump. so thi survey from a luxury institutes of people with net worth of 5 million more. they say ty see a trend toward peopleuying less and the way of luxury goods. yo know, the really super grouper fancy bmw, this kind of stuff does not hold deal or any more than 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 y're wealthy. rea not spending any more.

-- our rotation of certain luxury goods into different luxury goods. ne wine, restaurant, and travel as opposed to timepieces and handbags. gerri: it's possie. 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 hav 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 lar los up o it. true luxury brand lovers, that's -- that's why u se the rise. a broader issue that has a restaurant on the bottom, something that only you kno 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 ty found. 60 percent said the prices are tohigh relative to volume. 50 percent don't like products of visible brand los. 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 acro 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 iro shopping in ts amax. the man has a net worth of $40 million. his wife is buying srts 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 i something to be set for th. clearly the press peopl call the press people at the pictures of there. they're not trying thide i their private. >> well, that does not shock me. gerri: she speaks so well of you. >> were very close. however sharon stone was really the founderf this whole ad hoc hilo dressinwhen she went to

thescars 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 custom can for their goods? >> yes, ththey a. 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, youtu, ipads, pause to many way they can possibly coact. they also wanto 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. >> tnk you. gerri: just said, important news ahead. should you buy or lease aew car? gei:ow i like lax t.j. max are you keeping an eye and who is unning your iestments why it's so important to know ere your mutual fund manag is. ♪ copd makes it hard to breathe... but with advair, i'm breathing better. so now i can help make this a great blk party. ♪ [ male annouce ] advair is clinically proven to help significantly improve lung function. unlike most copd medications, aair contains both an anti-inflammatory

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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 ts, 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 ear focus all their incentives on leasing. if you find one that is heavi 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 time?

it's a ridiculous amount of time >> eleven years. gerri: has long in this country. have you make is decision now whetr 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 leases if the manufactuer is having trouble moving a certain car. they may focus their incentives that way. gerri: one of tuestions you ask yourself, making th decision today. >> the most important question to ask yourself is, am i going to be comfortable living within the restrictions of e lease? willing to of t term and the number of miles available on it. also, do i keepy car in reay good shape? if you don't you could end up with a lotf excess ar 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 reallyant to put that cash into a car right now. leasing is a leader. white is so m of it a better economic decision? >> because you don't have to buy another car at the end of that. the lease u turn in your car and presumably still need to get around. you need tosk yourself how you will pay for the next car. gerri: absolutely. the other hand, you don't lose all the value wch 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' 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. 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 e the most leased cars? that question is tonight's top five.

the tota 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 my cooper. e 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, iortant advice for yo money. in your fd manager jumped ship what do you do? have to make sure your vestments stay afloat. the house perks of drinking coffee. ho many cups you should b drinking a day when we come back. the verizon share everything plan for small business

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fox business studioin 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 relation of to alter a secretovernment surveillance programs sparking a fiercee debate over privacy in this country. just how far should the government of into the les of its citizens in the name of security? lou dobbs tackle the iue 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 reaso we live in a society because we're free. rightoweople need to understand, there should be more questions than people running around with answers like eric schmidt or psident obama or, frankly, the chairman of various intelligce 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 astoniing amount of data that

our govnment 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, thos strike, aormer nsa employee and whistle-blower who faced arges of violating the has been hijacked. a case that eventually fell apart. he will be takg all of that up it is going to be a fascinating, fascinating discussion and show at the top. gerri: i thi it i we will stay tuned for that. thank you for coming in the ow. >> thank you for hing me. good to see you. gerri: the revelation that your mutual fund manager has left the firm mightave you wondering if you should do the same. of more on this to market watch senior columnist. all ght. 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,ou want toind out

basically why the managers leaving and if this is gd or bad news. as a generalule 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. stead to me put it on your watch list. take a look. a lot o the ratings agencies, firms like morningstar wil take their writing off and basically suspended while they wait to see what will happen. last year you had arguably the best mager of all time from vanguard health care announcing his rerement it was his team and his co-managerer taking over, and there was not anybody close. you knew you were going to give them a chance to show that there were not upsetti the apple cart. gei: 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 gd portfolio and a good track record. at the last two finds he ran his reco was terrible. you havto take a look into this fd has not had a good manager noatr who they tried. maybe if they're giving upon the manager, i shoul give up on the fund. your not going to give them much time to find seone he could make things better. yo might just look in go, that manar did give me why wanted. why am itaying with the firmm of? gerri: that's a great point. the reality is some of these fund groups, managers turnaround all the time. i mn, you may not be aware of it, but tre is movement eve month, two months. it can change ve quickly. what do you do in a case le that? >> though good be that you pick the company in part because they have a deep bench. silver for example, firms like

fidety 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 assetso 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 trtion. ifou look in go, who the heck is this that it is promoted, and a track record or comes from a bad fund, then u're going to say six months at the outside. you can show me something commenced on the go. gerri: a lot of peopleike to buy the fund because of the manager, but the reality is past performancis no guarantee of future returns, even if they have less stellar record, they can fall apart. we have seen it happen before. but third avenuealue. it certainly happened the. >> 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 jt because you ha confused the bullarket 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 noupport in your ad spot where you're saying when his mager 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 tt manager is nlonger 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 thingwe 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. goodo 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 benefitsf coffee. no kidding. it is good news. stay with us. tossing and turning have given way to sleeping. where sleepless nights yield to restful sleep, and lunesta eszopiclone can lp you get there, like it has for so many people before. do not take lunesta if you are allergic to anything in it. when taking lunesta,

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♪ gerri: allight. the best segment of the show tonight. coffee lovers rejoice. when it comes to finding excuses

for justifying your job addiction medicine is on your side. joining me now with the health benefits of your morningoe, dr. philip, attending physici winthrop university department of urology. always a good see y, 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, hps 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 t caffefeine is actually acting by blockin 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. flammation 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 twoiabetes. >> more than 15 published studies have looked to dbes. we know that caffeine can reduce that risk. it's very controversial. people whoave diabetes. it can actually worsen their diabetic ctrol. very controversial information. if you don't have diabetes, many of the study session on that caffeine can reduce your risk. gerri: and doing the right thing. i like the thing that is staves f to mention. that's what i'm really hoping. >> looking at caffeine. results in inflammation. if you block i you reduce inflammation. theyo not like inflammation. caffeine is being shown to reduce not only outside, other types of dementia, also parkinsons' disease. caeine can be protected.

the dopamine cells can result in parkinson's disease. so lots of benefits with aging in bra function. gerri: the same thing, the inflammation. >> we know with cfeine 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 benefs. reduce inflammation. is is being shown t be beneficial for breast cancer, skin canr. so i'm sure starbucks is very happy. gerri: that's great news. disease is jt drink upon our to every day? , should i take? >> we he to beareful. to get half milligrams per kilogr. 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. thk you for coming on the sh. good information. i'm sure you meant a l of people at the. gerri: time now for a look at the stories. the govnment 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 lance requirements will have to pony at as much as $25 per month in fees. andcdonald's eats are helping push sales higher. new chickenrapped and egg breakfast also. mcdonald's has been shaking up its menu recently in the face of stiff competition fm the likes of burger king and wendy's. and thosere some of the hot

stories on foxbusine.com. still to come, my "2 cents more." coming out, the federal reserve is taking back the punch bowl. what does th mean for your stocks and portfolio? my financial panel is next. ♪ to fly home for the big family reunion. you must be garth's father? hello. mother. mother! traveling is easy with the venture card because you can fly airline anytime. two words. double mile this guy can act. wanna play dodge rock? oh, you guys! and with double miles youan actuay use, you never miss the fun. beard growing conte and go! ♪ win! what's in your wallet?

gerri: coming up, is the party over for the market rally? are financial panel weighs in -

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

cramer, president and cio, jordan goodman, personal finance exrt and cio and portfolio manager. is another attempt to get in or out? >> in. t you want to get that measured step. we're only three points of the measure time. rri: wt 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 salk, it's all about the federal reserve. the jobs market on friday. does that mean it's all over? >> two will still ha more good ws. the federal reserve will keep the panel to the metal and keep the e $85 billion a month spendg that is the fuel that is making thmarket go up. bonds look terrible. a real back up and bond rate

that is dangerous. money markets will be a zo 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, b if yore 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 @%diment to the market, to the overall economy, you know, the general market. the equities mart, just stocks that can keep going up because that is whe the money is going. really to this point. that is a dividend yield. it i craze thau 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.

rri: 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 are financially savvy. 61 percent of those cannot correctly ansr 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 the survey and it doesn't surprise me. there were prett basic questions. i was fraly quite shocked. gerri: well, t you. >> it doesoturprise 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 the complex decisions and not a clue as to have to make most of the. it's getting a little better. little bit moreinancial literacy, but a lot of people. gerri: readjustment to the worst market in some time. difficult time for people who have allowed the dt, 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 ll continueo 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 ople living in fear. all the moneyn cash. a can't lose mine. >> you lose the purchasing power by keeping it learning nothing. an example of. gerr let's get martin in here because i'm sure you hear this. we get eails 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? >> probay a peaking of the market.

on -- people tend to chase peormance. people feel more sanguine about things now thanhey 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 busin. if you'r 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 timback 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 depding on payoffs to survive. is not something you normall 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 therere 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: andnother segment. weave to leave it there. thank you for being with us. thank you for being with us. appreciate your time. you hurt my feelings, todd. i did? when visa signature asked everybody what upgraded experiences really mattered... you suggested luxy car service instd of "strength training with patrick willis." ome on todd! flap them chicken wings. [ grunts ]

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gerri: finally it is the

latest gam criminals robo calling seniors to ll 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 b 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 yu. that is my0.2.

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 wth 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 aking that he tipped off reporters to the governmen widespread systetic gathering and mining of data and video and voice records. the formermployeesis edwards know dan and he is what telling what the operation prism th british newspaper the gudian reported the