34 times in this interview. the new york times uses six times. melissa: we have to go. that's all the "money" we have. we will see you back here tomorrow. here's "the willis report." ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" crux steal your personal health information. tonight we will show you how easy it is only had into the system ourselves. >> also, a new danger on the roads. aaa is here to warn us about what they're calling a public safety crisis. and big box stores towing gourmet. how good is the fresh brewed target? we're watching out for you tonight on "the willis report." ♪ gerri: we will have all that and more coming up, but first, wild

and powerful thunderstorms hitting the midwest. said to affect around one in five americans. the stream weather could spark up massive storm of strong straight line winds spanning at least 240 miles. here with the latest, fox news meteorologist. what is going on? >> a big storm system right across parts of the planes. three different watches, one across areas of montana which is not the big event. that is right down here across parts of iowa, minnesota, wisconsin, and illinois. a tornado watch in effect until 9:00 p.m. also a severe thunderstorm watch in effect until 1:00 a.m. these are both deemed particularly dangerous situation watches. an elevated threat. some of the tornadoes that we see in this one, this could be long lasting and very large and damaging. by the time it is here across chicago and points east, it's a

big, long line. a very wide one -- wide line of storms that potentially has winds around 80 miles-per-hour. no sir you that in the second. to different areas of the storm right now the we are watching with tornado warnings. this ec across areas of vital and in toward illinois and another one in here just to the west of chicago. of 15 miles to the west around juliet. in that storm is moving off toward the east. take a look at the future radar. over toward chicago, this is what we're looking at for storms right now. it continues to develop and move in oward the chicago-area, likely within about another hour or so. then where you see is here, that is what this model depiction of this radar shows as a direct. very strong winds from parts of southwestern michigan. and then in throughout northern indiana. throughout the evening the storm continues to pull off toward the east. likely staying intact all the way through the overnight hours, cutting through much of ohio, a

big area seeing very strong, damaging winds. the tornado concern that we have is the beginning of this event which is what we're dealing with right now to read later on in the afternoon and into the overnight hours it becomes a much stronger, strong wind event, high-risk issue for that across this area of indiana and michigan and in toward illinois. gerri: holy cow. what is going on this spring? i don't understand all of this extreme weather that is going on. why? >> we did not have a very extreme tornado season to start out, but that did change once we get to the storms we son of, of the the last couple of weeks. in a and into june is the peak of severe weather season. when you get these kind of events that happen in june. we're right on track. they have hit some very big cities. we're paying a lot of attention to it because of the amount of people are involved. gerri: very dangerous. casey would you can do about that to get it over with?

lets get into that 80 degrees summertime. >> tomorrow the storm redevelops and reenergize is across the mid-atlantic and northeast. areas from south jersey, philadelphia, baltimore, d.c., down to around rich and i looking at another event. today's. gerri: starting to hold you responsible. thank you for coming on. appreciated. well, from the sky to the ground and the steady from aaa as warning the in-car technology allowing drivers to text and call for it -- 103 is not risk free. jack nelson, this traffic safety director. i'm shocked because this technology that all these other makers are putting into cars, i thought this would keep us safe. you say no. >> well, the was the intent. and certainly addressing the manuel aspects are a

prerequisite for addressing that distracted driver problem. the challenge we have now is we are not adequately addressing the mental or cognitive aspects of this distracted driving. using technologies and engaging in tasks well behind the real pulls our focus away from the important task of driving gerri: to see people use this stuff. on the dashboard. you can talk to somebody on the telephone what you're driving. you see the people. they have their eyes on the road. what's the problem? >> that is what is so interesting about this new research. we have studied this issue in a way that is never been done before looking at 50 years of research done in the aviation industry to sort of look at the cognitive or mental distraction involved in pilots flying airplanes and the apache helicopter and all that research into the cockpit of a passenger vehicle. what we learned was that using voice commands to navigate systems in these technologies and also to send every -- send an receding else was more

cognitively distracting been talking on the history cellphone gerri: wow. so let me show our viewers the number of vehicles, cars that will have the systems, these handsfree systems. 9 million. it will be 62 million in 2008. so you think t using this as a way to sell cars absolutely. you thiik these systems need to be banned? >> your not really interested in looking a federal regulation at this point. squarely focused on working with industry to a try to find unusual solution to this really important and growing problem. we have shared the results of our research with industry in advance of releasing a publicly. in hopes of brokering a relationship with them moving toward. gerri: getting washington involved is a nightmare. just ask you this question because you did extensive research. were these people good drivers to begin with?

did you pick up a bunch of people who can't chew gum and watch? at tell me who you have participate? >> the folks to participate, over 100 of them they had an average of seven years of driving experience and of their belts which is important because they're familiar with the important task of driving. it's a complicated thing, as you know. he used teenager's for older people who are starting to@ struggle with issues of cognitive decline would not have been ideal. so we use the everyday driver, people like you and i have been doing this a while and you reported using cell phones while driving on a regular basis. gerri: interesting findings that surprised the heck out of me. thank you for coming on. >> thank you. gerri: a lot more still to come. just getting started, including the inside scoop on a new weight-loss drug just approved by the fda. if you want to lose weight the old-fashioned way, some of the nation's biggest retailers are getting in the business of fruits and vegetables.

details next. my mantra? trust your instincts to make the call. treat my low testosterone, doctor and went with h axiron, the only underarm low t treatment. axiron can restore levels to noal in about 2 weeks in most men. axiron is not for use in women or anyone younr than 18 or men with prostate or breast cancer. women, especially those who are or who may become pregnant and children should avoid contntact where axiron is appld as unexpected signs of puberty in children or changes in body hair or increased acne in women may occur. report the symptoms to your doctor. tell your doctor about all medical conditions and medications.

serious side effects could include ineased risk of prostate cancer; worsening prostate symptoms; decreased sperm count; ankle, feet or body swelling; enlarged or painful breasts; problems breathing while sleeng; and blood clots inhe legs. common side effects include skin redness or irritation where applied, increased d blood cell count common side effects include headache, diarrhea, vomiting, and increase in psa. ask your doctor about the only underarm low t treatment, increased d blood cell count common side effects include axiron. how old is the oldest person you've known? we gave people a sticker and had them show us. we learned 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, one thing that hasn't changed much is the official retirement age ♪ the question is how do you make sure you have the money you need to enjoy a of these years. ♪ a talking car. but i'll tell you what impresses me.

a talking train. this ge locomotive can tell you actly where it is, what 's carrying, while using less fuel. ddelivering whatever the world needs, when it needs it. ♪ after all, what's the point of tal if you don't have sothing important to say? ♪

gerri: big box retailers like target and walmart are betting big on fresh fruit like -- threat fresh food like food to the bubba -- fresh food like fruit and vegetables. you get a store refund if you're not satisfied. by your veggies and eat them, go on, come back and say you didn't like him and give your money back. are consumers getting a good deal? the editor of supermarket group. welcome to the show. good to have you year. appreciate you coming on. what do you make of this move? >> this is brilliant by walmart. as you pointed out before, the way we need to be eating to lose weight in for good health is half of our plates should be full of fruits and vegetables. then a quarter of a protein and

another quarter of grains. not only are they on trend, but really when you take a look of walmart who is the largest food retailer in the country, people don't think about it being high-quality. what we do is choose our supermarkets based on the produce department. if they are saying front and center, we have the best produce out there. were willing to put money behind it. gerri: i duties my supermarket on the basis of produce. has to look good. for walmart this is really interesting. seems like a move into what is an upscale luxury every now almost because you see how companies like wholefoods and others are making a ton of money and just this kind of thing. of trying to go upscale? >> and not sure they're trying to go upscale, what's going on behind the scenes is for the past three the five years walmart has been working with local farmers. walmart is one of the leaders and sustainability.

so they have been leading up to this. grace sources of supply and then actually gone out there and help farmers financially to be able to grow better quality crops, understand business techniques, understand how the work with walmart. this wasn't just some marketing guide that says, here's a great idea. gerri: i read their buying locally produced products. you're saying they're giving these folks in cash. that is amazing. doesn't it go back to this promise that then made to the federal government would they said there are going to spend more time, more of their store space offering healthy food. you know, they fell down on that promise. people wrote really negative stories about them, and here they are trying to come back. is it all hype? or is this actually going to happen? >> it will happen. let's not forget that walmart is the largest food retailer in the country. number two, when you look at that scheme about coming up with

healthier prooucts, the denigrate job. the justin advertise it and they really didn't connect it with a typical walmart shoppers. what purdy's does is levels the playing ground. i don't care whether you're making 200 grand a year or 20 grenadier capri's is produced. and what they're doing by having this great produce is bring in some people. to your point you can say you don't like it. we're going to find is they have actually trained 20,000 store managers, store level employees about how to display produce, make sure that your perris is fresh and so on. they're is a lot of substance behind this program. gerri: and a half botox eurobond target. they're coming out with this line of organic foods. that's where the money is. twice the rate of growth of other categories in organic. really getting it right.

is that something we can trust? >> yes and no. will they get it right, absolutely. target, when you look at their larger farms private label, it's a fabulous line. the problem is in a lot of their stores of food is not front and center. it's off to the cider in the back. that's what they really haven't gotten traction. when you talk about organic, keep in mind that organic is not one of a healthier. what it is, it's free of certain pesticides, organic and have over 100 different pesticides being used. it is not gm know, there's a lot of problems when it comes to organic as well. he take a look at the perris recalls because they're actually being able to use, whether its sewage sludge or just natural fertilizers, that's where a lot of the co-lead problems have happened with organics. so it's not the end of the all. allow the people of buying organic because they perceive that it's healthier.

not necessarily. by local. what comes to produce. read the labels carefully. gerri: you have to come back to talk more about organic labeling. the topic that interests me, and it's great to have you on the show. thank you for coming on. want to be where you are. you look like you're out in a marina summer. >> seven san diego. beautiful san diego. the sun is just coming out now. gerri: appreciate it. later in the show, our in-depth look get your medical privacy continues as one of our experts shows us just how easy it is for hackers to get the information on your private medical data. next, we answer the question how you do that. tips on picking the right credit card before you take that next overseas trip. ♪ [ lorenzo ] i'm lorenzo.

i work for 47 different companies. well, technically i work for one. that company, the unitedtates postal svice® works for thousands of home businesses because at usps.com® you can pay, print and have your packages picked up for free. i can even drop off free boxes. i wear a l of hats. well, technicay i wear one. the u.s. postal servic®, no business too small.

gerri: going overseas? you better take the right plastic. in 66 is the best credit card for that next trip without the pesky fees.

♪ gerri: your credit card can make or break your next travel experience. how do you choose the best one when you go overseas? joining me now, consumer education president for credit talk,. welcome to the show. great to see you again. less talk about what people should be looking for. it really matters. >> the number one thing you want to check about before you go overseas is will they charge me of foreign transaction fee. it can cost you extra one to 3 percent on every purchase. look for a card with a zero transaction fee. gerri: i was in canada over the weekend and i don't even think about that.

i ran into that whole thing with the smart chip. our credit cards don't have them, but when you find a card that has won, that's where you want when you're traveling overseas >> we are really lagging behind arrest of the world of technology. most of them have that magnetic strip which doesn't work and all other european countries. we want to look for is a card that has the chip. ideally chip and pain which means you will enter pin number. more secure and the most widely used. you also like travel assistance services. can you get that? >> a lot of cars will offer you certain travel assistance services. you need to be medevaced that of another country or lose your luggage journey o change your travel plans, you may have to pay for these services, but at least you know you have someone experienced avenue to the process. gerri: a want to walk you through some of the cards are recommending, the highest credit card from chase. >> this is a gray card. no foreign transaction fee.

dmv. a smart card. it also gives you travel awards. when you sign that he would get two free nights. travel assistance. after the first year they're is a $75 annual fee, so you have to weigh that against the rewards are earning. gerri: bankamerica our travel rewards. >> and no fee card, no foreign transaction fees and you on't have to -- you will have the smart card. you have the technology. right now they're offering 10,000 bonus points. that's worth about a hundred dollars in travel. gerri: platinum rewards visa signature card. >> always making our list of best credit cards in america. they're just a really good credit card. sort of a credit union, but you don't have to be in the military to join. a phenomenal teeseven nominal fee you can sign up, and when i like is it is that true smart card. as the chip and pen technology. you won't have any problem using

the card when you travel overseas. gerri: advice for people the don't want to get any credit card, and there are lots of us. what is it? >> i would say the first thing is collier issue weren't find out if the charge of foreign transaction fee. you might have one that doesn't. ask them if they're offering smart cards. some issuers will give you a smart card upon request. you may not have to sign up for a new credit card and made them get a new credit card. they have the 3% fee. the transaction fee. so sometimes it just makes sense gerri: i love that idea. ask for the smart card if you can because then you don't have to get in a card. you can just keep your existing one. thank you forrcoming on the show. appreciate your help. >> thank you. gerri: well, it's time now for a look a stories you're talking not tonight on foxbusiness.com. another choppy day of trading as investors start preparing for a time when central banks ease up

on a stimulus measures. stocks opened higher before reversing course after being up more than 100 points this morning it ended down more than 100 points. an indian tire maker is buying a high of cooper tire and rubber for more than 2 billion. but apollo says it will keep the company's u.s. plants open to retain its management. this acquisiiion creates the world's seventh largest tire makers. around the globe expressing concerns about the actions being taken y the turkish government to clear the square protesters. police fired tear gas into a crowd of thousands and use water cannons. today the prime minister's office said they could be open to a referendum to end the protest. kaj growing number of key california cities are a lot worse off than previously thought . the changes from moody's and the government accounting standards board could result in cities like los angeles, san francisco, san jose and others joining stockton and san bernardino in

bankruptcy court. the new rules could lead to governments having tough up reported pension liabilities costing more than 320 billion. some of the house stories right now on foxbusiness.com. we have more to come. we will continue our look get your medical privacy with a guest who will show us exactly how easy it is to get your medical records act. and how the government is making things worse. don't go away. ♪ at a dry cleaner, we replaced people with a machine. what? customerdidn't like it. so why do banks do it? hello?

hello?! your bank doesn't let you talk to a al person 24/7, you need an ally. hello? ally bank. your money needs an ally. vo: ta friend under water isly d usomething completely different. i met a turtle friend 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. more personal. whatever you're looking for expedia has more ways to help you find yours.

♪ >> from our fox business studios in new york, here again is gerri willis. ♪ gerri: it is worth more to criminals that your social security number or your credit

card, and in many cases it is less secure. i'm talking about your medical records. we wanted to find out just how easy it was for the bad guys to steal your medical debt, so we decided to try ourselves. the results were shocking. i sat down with several security expert and with nothing more than a laptop and an internet connection we were able tax as a vast trove of personal information. gerri: i know that people have been stealing things off of the internet forever, but now you're saying that they are stealing medical records. what is it they're getting? >> that's right. credit-card affirmation has been stolen for a while. financial information, but health records are turning to be extremely valuable on the black market because of the great iiformation that is a never criminals to do identity that, social security numbers, date of birth, name, address, financial information. it's a gold mine for criminals. gerri: the numbers that are out there in the public purview, 92% of health care systems have een breached, compromised in some

way. >> that's a lot. so the health and human services tracks breaches under the privacy act. and 92 percent of the organizations that are out there that we have surveyed have had to report a breached health and human services. gerri: where is this information stored? >> the of permission to start on a server. could be simple as just a machine under someone's desk at as small medical practice or it could become a you know, in a data center of a major hospital. but the key is, most of these systems are connected to the internet because the information has to go from one organization to another. and remote employees have access this data. gerri: two has asset to access? >> it's supposed to be your health care providers, doctors, nurses and other conditions that take care of you. the problem is, once these systems are connected to the internet and there are vulnerabilities in the system, that means that hackers over the internet can gain access to the

stated. gerri: id systems supposed to be secure? and may come as a patient i want to think that my information is not being stolen left, right, and center. >> they're is a law which is to protect your medical privacy. so the law says that anyone who gathers your medical information's has to protect it. protect your privacy. but the problem is, as we see breaches all of the internet, the technology people using, the software, operating systems, the way they're being maintained, they have lots of vulnerabilities. and when we test these systems we almost always been. gerri: i want to see doctors front door, if you will. >> short. it is really easy to find the front door. when an attackkr was to steal electronic medical records, what they can do is they can use a search engine to just search for the word blog in, password, and health. they will get thousands of sites that are connected to the internet that you can be pretty sure is health care affirmation

behind that logging screen. gerri: what our research in? we are searching -- >> we are surging. those in the three words. these different website to going up, coming up. i just click on one year, you can see a lot in page. gerri: presumably if i were doing -- work and someone that -- some kind of health care facility is well with log into. >> exactly. if you were a doctor, nurse, you have a site where you log in to match your user name and password. the thing is, when they're is a vulnerability in the software that often can be bypassed. gerri: you do this all the time, you are testing people's systems to make sure they're secure in finding that they aren't. show me how you break through. >> you fingerprint what kind of software is running. you go look up in a vulnerability database, sponsored by vhs which lists all the vulnerabilities in the systems and do a search for that piece of software. and when we do that search you

will see that a list of all abilities is coming appear. so something called sequel injection, unrestricted file upload, crossette scripting. these are all different types of vulnerabilities that attackers can use tools to get right into a system. gerri: can anybody get into this database? >> it is a public data base. when you die down into one of these, you can actually -- is willing to write to the way to exploit the information. gerri: oh, my goodness. >> it gives me basically instructions on how to do it, and what i do is take that and put it in a tool which will then attacked the system and extract all the data from it. so you can start. drug sales, the employer data. these to the different fields other in the database. gerri: i did not realize there was that my state. that details. history data coming

immunizations, insurance companies. so you're telling me that anybody could virtually get this information. >> that's right. and so i think the primary reason people are doing this is for identity theft because that is so valuable. gerri: look, what we're doing here is really a simulation because we can't really do this without getting in trouble, right? >> right, but this is real medical electronic medical records of four that is readily available and that people all over the country used. it is installed and thousands of places, and we just installed our own copy to attack. gerri: i think this is so important is right now the government is requiring a lot of these records to be put on line, to be put on the web and the internet and a it themselves sarah a tipping point, and now most records are on line. we expect all of them to be on line. what does that mean for safety? >> that is a really concerns me. there is a natural course to adopting technology where the more sophisticated organizations

, the larger city hospitals and things like that will start with this. and they have the i t staff, they have the capability to secure those systems. but when you force people to install software, often times they don't -- they don't know what to do. gerri: the smaller offices in the smaller systems and the smaller medical colleges and schools. >> and when they're is a deadline has to be done quickly. and when things are done quickly, often times security is up by the wayside. gerri: unbelievable. now, what you saw was a test. but it could very easily have been real. in the past three years 21 million people have had their electronic records stolen. the advice from hospitals and doctors is simple. make sure you're running the most up-to-date software for individuals check your health records and make sure everything on them is really about you. look, earlier i was on fox news talking about this and got a

tweet from as you were saying, i just gave the bad guys and how to guide. remember, they already know this. we didn't show everything. it's important to get the word out of the problem can be fixed. now we want to know what you think. our question, do you trust doctors and hospitals to keep your medical records private? log onto gerriwillis.com and on the right-hand side of the screen. alice chin results of the end of the show. more to come. rickenbacker, must your advice for u.s. home. stay with us. ♪

gerri: america's battle of the boats continues. and new weight-loss drug is hitting the market. supposed to help obese patients

eat less, but does it really work? fox news medical 18 joins us now with the details. how does this work? >> well, it works on the chemicals of the brain, serotonin, and it basically signals you to not have that appetite. i think it does work, but the studies show it only works about 3 percent per year, meaning if you're to under 50 pounds you might lose maximal of 10 pounds. for me as an internist, that is okay, better than not lose imagine pounds. but you know, have we tried diet? gerri: some of the financial details because i think people would be interested. wholesale price of this thing, $200 which couud be difficult for a lot of people. and then there are other restrictions. you have to have a body mass and back -- index of 30 or 27 with rape related conditions. again, as you say, the weight loss, well, it can be minimal. three to 4 percent, that's

10 pounds. that's not all that much. >> and as you just pointed out, $200 wholesale price to mind of think insurance will cover this under a lot of situations. of think a lot of people could afford to pay a pocket. the before the market come before the pharmacist. now, look, i am looking for anything i can get for people that are heading for left hand surgery because i know what diabetes. no one high blood pressure. no one skyrocketing obesity. like all the arrows in the quiver. this is one that i think is a miracle drug. gerri: you don't. >> no. gerri: do we know what the optics of the long-term consequences? >> short term we have dizziness, fatigue, constipation, can interfere with thinking, but here is the real one, the big buzzer item. they don't know for sure about carved out issues. the first 8,000 patients this study have not had a problem, but the fda is telling the company that makes this,,they want post marketing studies.

there will have to look at heart attack and stroke, so we will have to stay tuned. i don't expect a problem. gerri: that's a big deal. come on. hard issues. >> that comes to my conclusion which is i personally don't like to prescribe drugs in the first year after they come out. i'm not saying that to other docks. that's my personal thing. i wait. gerri: tell me about the effectiveness over all of this drug class because i think have been a lot of questions us of the previous treasury as income out. lots of questions. how effective really are these medications? >> well, it's a little different. it's a, drug and includes a drug that we use for migraines. it can interfere with thinking. that one is a little more effe. the other ones that we have seen like this in the past work on -- i like the area of a drug it decreases your appetite, but i would like to work in a little more than 3% the year. apatite is a big problem for many people. gerri: thank you for coming on.

it's a fascinating topic. you have to follow up with us when you find out what's going on with tarbell's in particular. >> american is to lose weight, but we have to watch how we do it. gerri: thank you. update to a story we have been covering from the very beginning . another chance at life. she suffers from severe cystic fibrosis and is getting a after recently being put on the adult honor list thanks to a judge intervening. the other details about the data that we know is that it was an adult. of course you will continue to follow the story and tune of the updates. this week we have been telling you about ome of the worst charities in america. once they keep most of the money for themselves rather than the cost. you can find ttat list by going to gerriwillis.com. and now there is a new study showing which states are the most generous. the chronicle of philanthropy found residents in states where religious participation is higher give the greatest percentage of their income to

charity. the states make up tonight's top five. number five, south carolina. residents gave nearly six nap% of their income to charity. in tennessee number four, the state's residents gave more than six and a half%. number three, alabama with more than 70 -- 7%. alabama's never comes in at number two. the number one most charitable status utah where residents give 110 a half percent of their discretionary income to charity. the northeast was the least generous. the six new england states fill the last slick -- six slots with new hampshire coming in last. some southerners, they love to give. still to come, my "2 cents more" . and they want safe investment getting hammered. should you stay away from bonds and bond funds? we are looking for you and your money coming up. ♪

♪ gerri: a fox business alert for you now. a u.s. budget deficit in may has grown by $139 billion. our annual deficit is on track to stay below 1 trillion for the first time since 2008. the congressional budget office estimates the annual deficit to hit 642 billion. moderate economic growth and higher tax rates are helping to lower our deficit, meanwhile government spending hass3 increased. also today, fallout ahead for bond investors as interest rates rise. is now the time to sell?

joining me now, advice for your portfolio, author of you can never be too rich. so these are queasy times for bond investors. what are you telling your clients? >> there are definitely stars on the horizon. the big question is now weather and at interest rates are going to go up or not because they will. the question of when. no one knows that answer. that being said, there are definitely storms on the horizon. i am advising a lot of folks out there to get out of long-term and intermediate-term bonds. if you are in bond funds, really consider getting out of them and going to individual bonds. gerri: really? >> because this way if the value of the bonds goes down we know there is maturity data out there on when you're getting your money back. the bond fund, if interest rates go up the value goes down and you have no idea when you're getting your money back. >> that's a very good point, and one of the criticisms. as you're pointing out, the bond market is not just one plain

vanilla market. all kinds. you like intermediate bonds? intermediate corporate? what do you think of treasurys? what about municipals? where will the value lie and what will happen to these individual marketplaces as interest rates such as by? >> it is a real tough go right now in the bond market. the bottom line is, i think that there are good buys in municipals. good buys in corporates. yet to look for the diamonds in the rough. i don't like intermediate and long term bonds. i just want to clarify that. at think there ere people should really be looking is if you're going to invest in bonds to make sure you have the maturity. in a lot of people get scared. go out of the bond fund. now i have to try to find and buy myself. there are new places in the world that a lot of people are not aware of. exchange traded funds and bond mutual funds with a bond

managers have to hold the bonds for maturity. you get these diversifications, but you also get the assurance of the bond manager holding it to maturity, see it the best of @%th worlds. gerri: great stuff. >> and those of the places. gerri: the other interesting thing we have seen is that some of these fund managers are buying stocks to look better. so what do you do if you hold one of these bond funds and it is actually full of stocks? >> then i think he would have to look at what your investment time horizon is. there is generally nothing wrong with having a little bit of stock in your portfolio. if you have a long way to go before you need the money, but if you are investing in a bond fund because you believe that the investment is safe, like a bond fund typically has historically been an d.c. some stocks sprinkle then there, you should get out of dodge as fast as you can and get out of that and go into a pure find. gerri: a lot of people saying they plan to cut their bond

exposure, some 43%. you recommend the same thing. get out. and pick and choose your way. but stand back for just a second and tell me, as these rates really start to take higher end you have got to think they're going to at some point. what will be the broader market impact? what happened to my portfolio? >> you know, it was 30 years ago where we have to worry about this problem and a lot of people -- the markets were very are today. i can make a case for the bulls, i can make a case for the bears. it's tough to predict. this is truly unprecedented times because a lot of factors other going on. so, you know, again, i have to default back to the basics which is the fundamentals. if you are investing in bonds and your questioning, should i be there are not, what should i do for the future. what you really have to look at is the fundamentals of your

investments, how much time you have before you need the money. are you diversified? are you in the right places? are you and quality your junk? once you know the answer, then you can make some prudent decisions as far as where your money should be. gerri: that me ask you this because a lot of people, a lot of financial advisers experienced financial advisers are telling folks to get out of bonds now that means you will not be diversified. is that get advice? >> again, it depends upon how long you need money. if you are creating a lack of diversification -- let's suppose i have money my portfolio and paul 40% in bonds, pull it out and put it into cash. the next question is, where you go with that? and that they get that point in time, to create diversification you might want to look at some investments. there really paying attention to capital preservation. there are some interesting

alternative investments that have just cropped up in the last couple of years in the markets that i think people should look at like index cds that are fdic in short, things that are really lending themselves toward the capitol preservation in case that the guesses wrong. gerri: race stuff. thank you for coming on. appreciate it. we will be right back with my "2 cents more" and the answer to our question of the day. do you trust doctors and hospitals to keep your medical records private? stay with us. ♪

at od, whatever business you're in, that's theiness we're in on-time delivery records d a low claims ratioio, we do whatever it takes to make your business our business. od. lping the world keep promis. it's be that way ysince e day you t.. but your erectildysfunction - itld be a question of blood flow. cialis talafil for daily use helps you be ready anytime the moment' right. yoand the same cialis is thet inonly daiily ed tablet. approved to treat ed and symptoms of bph like needing to go freqntly or urgently. tell your doctor abo all your medal conditions and medications, and ask if your art is healthy enough for sexual activity. do not take ciis if you take nitrates for chest pain,

as this may cause unsafe drop in blood pressure. not drinklcohol inxcess with cialis. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoidong-term injury, seek immedte medical hel for an erection lasting more than 4 hours. if you have any sudden decrease or loss in heari or vision, or if you have any allergic actions such as rash, hives, swelling of the lips, tongue or throat, or dficulty breathing or sllowing, stop taking cialis and get medical help rig away. ask your doctor about cialis for daily use and a 30-tablet free trial gerri: we brought you an edition of our medical my vasey series, looking how easy it is for crooks to get access of your medical records, do you trust your doctor and hospitals to keep our records safe. here is what some of you posted on our facebook page. kathy agrees.

cute. >> we asked question on gerriwillis.com. tonight this weekend my husband and i travelling home from canada we were visiting with a relative who has health issues. nothing seemed to go right, we could not find the car rental return, and we were running late. we tried to check in at kiosk for our flight but the machine was not working we jumped on-line to check in hoping to find a friendly face, the agent chirped, you missed cut off by 7 minutes. my husband pointed out that airline come failed us, smile now gone, she began the rules, almost like reading from a company manuel, she was calm, as

she swiped my credit card for $300 bucks in change fees, she protested to me, saying, i wasn't polite, but that was not the point, we were in the wrong to be sure but we were looking for was customer service, we got a robot reading cue cards, we went to customer service, we were put back on our original flight. so we ended up paying $300 for nothing. like most consumers, i didn't write a letter to complain, but not likely i will fly that airline gain, this makes me think that customer service is the i think of the fast -- is the thing of the past, voting with your dollars is only real recourse, that is my two cents more, more coming up tomorrow, people of all ages will pay more thanks to obamacare, but younger folks will be hit hardest. roy will be here with details. that is tonight's willis report. thank you for joining us. have a great night, we'll see

you back here tomorrow. >> good evening thank you for being with us, confessed ns, leaker edward snowden after a brief vanishing act is speaking and complicating the global image of the man who remains in hong kong and today he razeed -- raised stakes in his campaign against u.s. agencies and their surveillance, snowden telling south china morning post, that u.s. is engaged in more than 60,000 hacking operations worldwide. modesnowed ep said thatsnowden e ofgets of u.s. intellig