>> the private equity gas? they never fly on regular planes. executives. melissa: we have to go. that's all the "money" we have for you today. we will see you back here tomorrow. here comes "the willis report." ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" is america letting down our heroes? veterans claim they're waiting years for benefits. also, young people and obamacare we are investigating the impact for this group of americans. and don't sweat to the summer heat. take the steps now to lower your electric bill. we're watching out for you tonight on "the willis report." ♪ gerri: let's get right to it. our top story tonight, broken promises and corruption plaguing our nation's brave men and

women. %-disability claims growing, and the people in charge of helping our heroes are busy collecting bonuses. some are even doing union work full-time on the taxpayers time. joining me now with this outrageous story, ceo of concerned veterans for america. tokamak to the show. >> thank you for having me. gerri: you know, i looked at this story in this story. i don't know how what is possible that 850,000 veterans are waiting for benefits. how does this happen to back. >> it is a national of rage. it is when the government goes wild. government bureaucracy and unaccountable culture where they have been making promises and talking about projections and never held accountable for it. this is a department that has funding that has gone up 40 percent since 2009 to my get the backlog of veterans waiting for disability claims has increased by 2,000 percent. the apartment was exempt from

sequestration. no accountability and no incentive for them to do better and treat veterans like customers as opposed to numbers. gerri: let's get right down to some of the things you sent us in our e-mail. he said that the claims it lost. they are deleted. they sit on top of filing cabinets forever. how is this possible? they're on paper, which makes no sense whatsoever. >> it is a 21st -- 20th -- its the 21st century, yet this bureaucracy is stuck in the 20th-century. 90 percent of crimes are still down on paper. literally of floor of facility in north carolina that is structurally unsound be a summit claims are sitting on top of filing cabinets. it is sort of an archaic backwards filing system, and that is why you see clams in lost come again deleted, sitting atop a filing plant -- cabinets. veterans have to call repeatedly over and over and over and wait and hope for an hour to speak to an individual. it is unacceptable.

>> unacceptable is the right word. and yet here is what our president, president obama promises. listen to this. i am running on a record of standing a fox business did warriors. the senate veterans' affairs committee, an assignment that i sought out. i lead a bipartisan effort to improve outpatient facilities, slash red tape, and reform the disability process because recovering troops should go to the front of the line and said they should not have to fight to get there. gerri: your response? >> like some many other things, a lot of rhetoric in their results. that is why we called for the secretary to step down. and honorable service member for many years leading the agency for four years talking about how they're going to fix it. now they say it will fix the backlog two and half years from now. gerri: i've seen a lot of corruption. i've seen a lot of wasting of money, but this really takes the

cake. and here is one of the things that is really frustrating. we have a suicide epidemic among veterans return to this country. does this contribute to that feeling of helplessness, being alone? >> it definitely contributes. a long story in "usa today" about a soldier who had been there twice and was that it will function because of some severe ptsd. of course it affects his life in this projection. sending them deeper and darker into wondering if there is so banal. that is government absolute failure, and that is where we're going after. gerri: here is the outrage. millions of dollars. these executives are getting bonuses that the very time our

veterans, the people his service in the field are going without. how can this be true? >> is a bus is not based on merit but because they're merely sitting in a position. you give with government. in the private sector, if you do your job well you succeed in your order. he could learn a lot from the with the private sector does business in addressing the needs of veterans and treating them like customers that they are, the euros they are, giving them the benefits that they aren't. gerri: and just to bring this whole thing falls circle, 188 workers are doing union work being paid taxpayer funds and salaries and benefits of iodine without. thank you for coming out tonight. ime.t to see. thank you. coming up, tomorrow i will be joined by one of these veterans who has been waiting nearly

three years for his claims to be fulfilled. he developed ptsd after serving in receiving the bronze star. you will want to see that. now we want to know what you think. is this country letting down our heroes? log on to gerriwillis.com and vote on the right-hand side of the screen. i will share the results of the end of the show. an unbelievable story. is this, too. young people, watch out. your health care costs are going through the roof. in a big driver of that increase, surprise, obamacare. what can you expect in the months ahead as the law doesn't affect? with us now, senior fellow at the manhattan institute. a welcome back to the show. let's say you are one of those 25-34 year olds out there, cheered obamacare because you thought it was going to make the world a better place. what will happen to those folks health care cost? >> they will double in california by and large. in some cases it may more than doubled to pick 55 compared to

what youucould buy and tehran today in the private market gerri: former ceo director came up with estimates of what young people will pay on average. he says 169% more average premiums higher here. does that sound about right, or not right but do you think it is correct? >> on average that is what the data that i looked at also suggested. now, what you hear from liberals as, well, it does not matter because some people who are really low income will be protected because obamacare is subsidies will subsidize the cost of insurance. that is only true for a small fraction of the people in that age bracket. the vast majority are not going to be subsidized or get a partial subsidy but will not be insulated from these increased cosss. average people all over california and the country, costs are going up. gerri: is indeed true that we are moving money from one spot to another in some ways? the and people will pay for the older folks coverage.

what happens if the gender people decide not to participate? maybe you look at 169% increase in say, nothing at. you opt out. can we afford it if that happens? >> well, what will happen if an people drop out -- and it is not just young people, 25-34. in the california example the insurance of 40-year-old will double also. so if those people drop out of the system will happen is it will only be the very sickest people and the very oldest people who are often the ones with the most of problems he stayed in the pool. those people who have higher average health costs. that makes premiums affordable. the government will subsidize premiums. you will have two glasses of people, one class that is heavily subsidized, that thicker, all the people, and everyone else cannot afford health insurance. >> i want you to share with folks. you keep premium california. i was looking at numbers on the california insurance exchange. this is where you go if you want to buy insurance and you are now

working for somebody who offers you insurance. you are going to pay, get this, and silver level plan at $2,000 deductible. your doctor visit will cost $45. and your $321 a monnh premium. so every month. and a $2,000 deductible. does anyone think that this is a good idea? does anyone think this is saving money? >> progresses do because theyy3 have this idea was no comment to people having very expensive insurance that covers a lot of things even though, as you point out, it does not cover that much it is actually much better and more efficient if you give people catastrophic insurance which actually has a higher deductible but the premiums are lower. you take some of that money and put it in health savings account , your own health risks and problems. obamacare pier receive written in the few. costs would get better. vw keep our own doctors. turns out we may not even have a

doctor because we will have enough. they're getting of the business left, right command center. costs are going through the roof deasy any good news? >> that's a lot of bad news, and i think that is why democrats are particularly worried about this issue. of all the complaints that have been raised about obamacare, the one that i think that privately democrats worry about the most is this increase in the cost of health insurance for people who shop for it on their own the is that is something that is a pocketbook issue. it is not too radical. everyone will encountered he shops for insurance on the road and people -- it's fun to be a dramatic increase. in 2014 we will hear what they have to say about it. gerri: we will. of course it looks bad in all of the polls. that is what we see. we just heard this week that a lot of people in congress, particularly democrats to not like obamacare and may leave office because of it. irony of ironies. thank you. >> glad to see you. gerri: thank you. a lot more still to come this hour including answers to the question how you do that.@

tips on lowering your energy bill. more of our look your medical privacy as congress finally investigates reports that the irs is keeping your medical records. we have the latest next. ♪ vo: travelg you denitely end up meeting a lotore people but

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six your medical privacy exposed, an issue we have been covering and will continue to follow. new allegations whirl around irs is potentially seizing millions of medical records, your records in california. fox business liz macdonald joins me with the latest. what is the latest? >> so we have is a lawsuit that was filed in superior state court in san diego. it came from a lawyer who represented wesley snipes and his tax evasion case, but he is alleging that 60 million medical

records were wrongfully seized by 15 irs agents who were rating a health care organization, a company that is a named in search of former employer, -ecords relating to a former employer. allegedly the game it -- the claim is that took the server and the funds and that access to these medical records. gerri: why? all we know it -- all we have is the seat. now we have a house energy and commerce committee asking questions of this -- of the irs because this is a class-action lawsuit filed against the irs. you know, this all ties back, though, into the deep seated concern n the part of the american you're out there about their health records being exposed. gerri: one of the last people that you wanted have at the irs. tell us what they will deal with these medical -- >> here's the thing. this is so important. this is a hot debate in washington d.c. the administration is talking about electronic medical records

and how that is a great thing. well, part of your tax return. will the address below to access your electronic medical records as part of your tax return? remember, they have to basically enforce the mandate taxman the mandate taxes essentially assessed against your household income, not your paycheck. your entire household income, so everyone in your house. how much in the way of medical records and they get that? they have to now ddtermine whether you have affordable adequate public -- coverage. this is a serious issue that have not seen resolution yet coming of washington d.c. i tell you, the address -- i'm not saying and defend the address. i have to handle medicare and social security perry now that treasury as he is saying that health plan, the health reform is the largest set of tax changes in the history of this country. gerri: it may hire 15,000 people to do this? >> 4500 individuals to help enact the law. but they already make this

invoice in the tax law. we can imagine what will happen trying to enforce outperform. gerri: i cannot imagine. having access to those records, we have been talking about for weeks. goods and criminals all of the globe have access. to have the address that access is very concerning. gerri: it is a peak. part of your -- your electronic medical records will now be part of your tax return. gerri: we don't know. >> as the ddbbte. could be. at that will be a big deal. gerri: that would be scary. less they know the better. this is me. as the left field. time now for let the stories you're clicking on tonight. good economic report sending stocks higher. the number of americans seeking unemployment benefits fell well retail sales increased. japan the benchmark nikkei slumped six and a half% as people began to doubt the prime minister's turnaround plan. outwit the statistical review of world energy and shows 2012 was a record year for u.s. crude oil production. we produce nearly

9 million barrels a day. 14% year-over-year. the biggest increase ever. a fracking build as part of the reason for the growth. microsoft is joining forces with us by opening up when those stores inside 600 best buy. the sections will be opening this month and offer pcs to metabolism matchboxes, and other accessories. best buy has similar deals with samsung and magnolia products. in the supreme court says companies cannot patent human genes. the unanimous decision struck down and sell by a myriad genetics on genes linked to an increased risk of cancer. the court says that protection does not cover something found inside the human body. those of some of the house stories right now on fox business -- foxbusiness.com. later this show, as companies scramble to get their hands on your data, we will tell you how much your info could be sold for, how much it is worth. next, a possible silver lining. cheaper energy bills. it will show you how to drive

them even lower. stay with us. ♪ very school day.

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keestudents in school. visit boostup.org and te the first step. ♪ %-have consumers electric bills going up. coming up next, easy ways to lower your belt.

♪ gerri: welcome our early predictions for the summer weather indicate it will not be hot, but not as hot as last year. in fact, if you look at the weather outside this window, very cool. and this is good news for your wallet. there are ways to lower your bill even further. have you do that? as senior editor for the real deal. welcome back to the show. >> thank you for having me. gerri: this interesting number of for the energy information

administration saying that the average bill this summer, gentte august, we will go down about $10. i'm used to price is going at. the beauty of this is if you consume electricity, the electricity companies like to reward you. what can i get? >> they actually want us to save money, especially times when it gets really hot and the energy prices are going crazy and we are consuming a lot. you know, in the city, we can have brownouts and blackouts. they want to help you. what i would advise consumers to do is pay attention to those little pamphlet see my beginning in the melt. gerri: i never read those. >> exactly. every tips on ways that you can say. website. gerri: what am i leveraging? oh well i really get the end of the day? >> it depends on where you live. something to think about in the long term is sort of upgrading to those energy star appliances. your utility company might offer you an incentive to do that. gerri: are they giving me cash? >> some rebates. the irs will do the same. there are incentives free taxes.

tired of making this big purchases? be sure to look for coupons for you by the big applian you can save a bit there. gerri: ideal temperature settings which is a huge debate my household because i am from the south and my husband is in canada. you can imagine. it's a big conversation. so the thermostat and the house, or should be set? be 68 or lower during the day. as summertime is to be 78 higher. gerri: 78? seventy-eight? >> yes,. gerri: with his 98 out. >> exec. but if you make those adjustments will be surprised at how much it can save on your bill of fremont. those are the ideals. he did try to make that compromise. gerri: less talk about the fridge. >> of 38 to 42 is ideal. zero to five temperature in the freezer. that's, again, i agree with to save a few pennies and the bill of vermont. gerri: we put in a program of thermostat. what is the average savings?

>> for the program will test that you can save about $180 per year, which is substantial. it's a real benefit. you can make those temperature adjustments. again, we are really going to cnn's reflection on your belt. gerri: he said there are certain devices should not be using in ipod, summer months of it does get hot. >> well, you would be surprised. of appliances and generate heat like lamps. try your lands of during the day. close your shades. all of the sunlight and it is that can actually change the temperature and the house and check your ac into thinking in the steel want. also, but appliances like your clothes dryer, for instance, the heat generated. your oven as well. try not to use that during the day. again, it can trigger a see and make it think it is to work harder. gerri: the error of the microwave. thank you for coming on. >> my pleasure. ttank you. gerri: coming up next, will be seen be saying goodbye to the social security card? and move gaining traction in washington. we will have the latest.

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♪ >> from our fox business studios in new york, here again is gerri willis. ♪ gerri: say goodbye to your social security card. they're is a group pushing a new social security card complete with a personal identification code to help businesses confirm an applicant is in the country illegally. rich edson year from washington with the details. >> reporter: good evening. those flimsy paper social security cards would be out and replaced with this, a plastic social security card. it is just like an advanced

credit or debit card. americans would get that personal identity code with the card. stolen or lost would theoretically be useless. businesses would buy card reader with government provided data it to verify if the car actually belongs to the cardholder. your card year. businesses give one of these things. you put it in, put in your personal identity cut and it tells you whether or not you're in the country legally or whether the card is valid. there are questions about the system, especially when it comes to privacy and other the secured cards are actually national identification cards. the group pushing these cards says they're not. >> the social security card has been issued today since 1936. though we're talking about is adding security to a document that is already being used. you know, if they want to say we should not that security to that document, that seems to me like that is foolish. gerri: there are a handful of companies offering technology like this.

advocates are pushing to get this technology attest to the immigration bill as a way to certify whether job applicants are in the country legally. this new system would require more than 300 million people to get the social security cards. advocates say they would stage the cards in overtime to ease the burden. gerri: you know, on go sam is going to know absolutely every -- you know, i don't tell anybody my golf handicap, but i bet someone in washington knows it. how much is this going to cost? >> well, the way that this structure the cost on this, the companies said the card will cost about two to $3. multiplied that and you gave a significant amount. the card reader that businesses would buy right now, anywhere from ten to $20. advocates say, this is a system that would cut down on identity theft. though still social security numbers because you need the chip and a personal identity -- dedication to work. gerri: the best efforts of mice and men.

i wonder if it would work. thank you so much. appreciated. and he will continue following this story and we will bring you the latest starting tomorrow morning. markets now right here on the fox business network. it turns out, you are not worth that much. i don't mean it directly, at least in terms of your data. heavy competition for your personal data is pushing down the going rate for that information. with more on this, privacy lobbyist at the american civil liberties union. welcome back to the show. always good to see you. >> thank you for having me. gerri: i was shocked at the price tag for this information. basic information on folks, less than a dollar to buy this stuff. what do you make of it? >> well, it is not surprising. basically we are giving it away. it is part of public record. it is being harvested off warranty cards. when you give something away the only real cost is collecting it. with computers that is a pretty low cost. gerri: i did a little access

afternoon to find out how much my personal data is worth, and it is about $0.40. i was shocked to find out you can boil me down to a handful of numbers, and that is all i can plan in the marketplace. what does this tell you about what is going on in the world of personal data? >> well, it is striking about how much it is worth to a company versus how valuable it could be to yyu. that same story talked aboutt3 marketing lists. companies were selling people, individuals who were depressed or who were seriously ill and literally being able to market to those people. imagine if someone new in your address most lovable and was trying to sneak in some sales pitch to you and take advantage of that. what a terrible idea, to be able to buy that for pennies. i just think that is wrong. gerri::that is worth $0.26 per person. that is worth more than a person who, you know, is probably less interesting to market to.

i worry about this because big data is such a popular phrase right now. everybody is interested in it. the government, the irs, consumer financial protection bureau. you name it and the agency, they all want to have data on us. i find that unnerving. do you? >> i do. i worry -- you don't have to look any further than the nsa and the collection of all of these phone records to think, gosh, they know everybody at ever called. what might that mean? and you couple it with the irs and their abuse of discretion with some of these cooservative groups and tea party groups and saying, well, we might not give you tax status. if a government can be capricious and use their discretion and couple that with all this information, i mean, it raises a really dangerous and disturbing possibilities. gerri: absolutely. do you trust the government with that information? how they going to use it?

you don't know. they promise one thing. we just had a segment where data on veterans, on paper, sitting on top of filing cabinets for years. youujust don't know what the end of the day have this kind of thing will be used. in the private sector is a $2 billion a year industry and only growing. what do you make of that? >> well, you know, what is equally disturbing is all those rules -- and we do have some about how affirmation is handled within the government. none of them apply when the government buys the information from the private sector. so you have this huge industry that is essentially unregulated already, and it is the government purchasing an affirmation is still on regulated and have a government can use it. at least allow other daagerous possibilities. desert, and the show. gerri: the robo -- revelation that the nsa is collecting

millions of u.s. phone records as many of us feeling like we entered the world of 1984. remember that but for my school? some much so that the 1949 novel has skyrocketed to amazons best seller of let -- best seller list. tom sullivan thousand 855. the novel portrays a totalitarian future society where individuals are monitored by a leader called big brother. it's a serious topic which seems to be a theme running through the best-selling book. the nonfiction george washington, the crossing. this story takes a look in a major turning point in the american revolution. washington leading his troops across the delaware river. number four, from the same author of the kite runner, examines families and how they treat each other. number three, joy and about a boy's turn as a carney in the 1970's and mysteries that

surround the carnival. number two, one of the most talked-about tv shows. based on a series of books, game of thrones. these books has been 800 days are more than two years on the best sellers list. that number one best-selling book is inferno by dan brown, as similar to that event decode and takes his main character into the world of dante's inferno. very scary. when we come back, tips on playing this small town market and more evidence of an uneven playing field on wall street as a new report shows such investors are getting a few seconds its starts on key economic data trade. how children explains next.

gerri: a consumer alert for you now. smart phone theft is surging. one in every three robbery's nationwide has solent -- stolen cell phones. prosecutors are announcing a nationwide effort to stop these deaths. a coalition called secure are smart phones will involve a slew of authorities prosecutors and advocates in more than one dozen states. they're asking manufacturers to install a kill switch that would render the stolen funds useless. we will keep you updated on that as a gets underway. more tonight on trading, more evidence has come out showing the markets are rigged against individual investors. the consumer confidence number, you know that, a university of early access to information. the consumer confidence number

routinely moves the stock market . so for a fee you can get a jump on the rest of the market. is that fair? joining us now, cftc commissioner bart chilton. is it fair? >> absolutely not. may not be illegal, but it is not fair. these are morphing at speed, millisecond markets, and unless you have theemoney to buy -his sort of information or you have a super computer so that you can trade like one of these high-frequency trading situs you're left out in the cold. markets are changing. my question as a regulator, is it all good? and not against technology, but is is good for average consumers? >> you think about this. the university of alexian sponsored by our dollars. they are getting paid to give this informational warily. they get a benefit from it. but let's face it. if you are a consumer you are trading in its marketing getting hurt. >> absolutely. pushing people out of the retail market. it is becoming sort of a cyborg

millisecond market madness, if you will, because they are moving prices with disinformation. you are absolutely right. this information they are getting two seconds, two seconds in advance of other people. gerri: something like 700 trades , 7,000 trades in that two seconds because they're using these really fast computers. here is what has happened as a result. a new gallup poll, are you invested in stocks? 52% no 38%. you have to invest in stocks. no one has confidence in a stock market to be a say fanfare place, and even playing field where individual investors can save for retirement, save for college education for the kids. we have to face this. people are afraid to even talk about it. >> you're right, and i am glad you are. everybody has sort of accepted all of this technology. things that are going on, and

blindly. i am not opposed to the technology, will we have to make sure that we are keeping an eye and how these markets are operating, are the efficient, effective, good for retail investors, but most importantly consumers. gerri: well, i just found that 7 million is the number of trades. think about that. 2 million trades. people making money really at our expense is the way i think about that. it blows me away. here is what thompson riders has to say. advanced access, two minutes and five minutes respectively before the official release. that is their explanation of was going on. are there other reports like this that are essentially sold to the highest bidder? >> absolutely. it is a cottage industry of people trying to essentially duplicate or mirror government reports the coming out. they try to make it exactly the same, and they also use supercomputers to come up with this number and then sell it to the highest bidder.

they sell it for a premium coming in the price. you have to have the guts to get the information. you're absolutely right. are fair and not rage, of course they seem like it to people. confidence is what we need, and these things don't help. gerri: is this legalized insider trading? >> you know, i am not a securities-law expert, not sure. like asset, even if it is not illegal i think it is unfair for average folks. regulators and congress should all look at this. gerri: i think something has to be done because we need a market where it is safe, fair, and when we are, you know, bringing together people or trying to build companies, capital with investors who want to. it is the simple. >> aasolutely. a couple of weeks selling love to come back. new affirmation that we are working on the 24th giving a speech of the anatomy of speed about these high-frequency trading cheetahs and i would love to come back and talk with

you. gerri: you love to come and talk to you. well, more to come. my "2 cents more." investors prepare for the dark days when the fed stops boosting the market. where should you be putting your money? some adviie coming out. stay with us. ♪

gerri: must have stocks. are they in your portfolio? we will show you how to invest in a mutual fund that does the same thing coming up.

♪ gerri: stocks surging breaking a 3-day losing streak with the dow up 180 points coming off of its first three days lumps in

september. the snb and nasdaq of taking up around 1% thanks to stronger than expected economic data. joining me now with investing strategies for your portfolio, welcome toothe show. >> thaak you. gerri: talk to me. talk to me about the market. and you cannot predict the market. what d.c.? >> ii stocks seem to be the best deal around. road to to bonds, one thing that worries me right now is that corporate profit margins are already at record highs. i am not surr they can move much higher debt. and now thinks stocks are a bad deal. investors need to set their expectations modestly 56 lower? teeseven the break, the next few years. >> i think we could see sub prime stock returns. gerri: you know what i like, you have to focus on earnings, the payoff. how much they bring into the

bottom line. you like a reasonable price. >> well, you want ernest. you certainly want to pay a reasonable price. there is not a lot of growth out there, so investors are flocking to what little growth areas and they wait too much. everyone knows netflix is growing. i don't want to pay 25 times 2017 earnings for the stock. gerri: that brings up a good question. what is expensive today? what is expensive today was not expensive at the height of the internet boom, not expensive and it does a seven. what is the multiple you like to see? >> it all depends on the growth trajectory of the country. the historic average is 14 times next year's earnings. right now we are maybe a smidgen above it. stocks in general, is not that they look too pricey. the profit margins are record high. gerri: of me ask you this. if you are basing your analysis on eps going forward, the reality is the outlook for that

is always so screwed up. analysts do not give right. they did bought and sold by management. management says we will grow with this rate and then it does not happen. can you tresses numbers? >> they don't have a great record. if we are talking about the broader market, what i want to see in order to be more confident, want to see workers participating more in the bond. companies that make great money, but they have done it by cutting jobs. job and wage growth. once that happens we can get better opening. gerri: you have stocks you like. by a script. >> one way to find good deals is a for companies that at an inflection point in growth. the retailer, a small texas-based retailer. specializing in customers with less than perfect credit card willing to pay more to get in store financing. basically this company has remodeled stores and they're pulling up home furnishings, mattresses.

there really benefiting from that housing recovery. gerri: you have to hope that the economy is improving. i want to here about it. >> they sell infrastructure to telecom companies. spending has been slow. nighter sales are earnings. but dated demand has increased dramatically. you can't have that disparity forever. companies are going to have to spend. ramp up or the next few quarters. that will return to growth and make the stock looks cheap. gerri: a lot of our viewers don't like individual stocks. what mutual fund can you give us? >> you know, if you're paying for a mutual fund, find someone who is picking stocks rather than having the benchmark. i have been part of the fidelity contra fund which does active stock pickiig. it does not tend to follow the benchmark closely, but it gets results and as a reasonable cost and they're finding is growth stocks at reasonable prices. gerri: an interesting strategy. loving hearing all about it. thank you for coming on the show

on to this day in business history. in 1933 u.s. congress approved the homeowners refinancing act. the first 100 daas of president franklin roosevelt's new deal administratiin. designed to help depression stricken citizens refinance ounce. the act established the home owners loan corporation which led low interest might to families in danger of losing their homes to foreclosure. by the mid-1930s the age a lousy and refinance nearly 20% of urban homes in the country, even though the program lasted just three years until that -- loans for about 1 million mortgages. it was today, jan 13, the u.s. congress approved the homeowners refinancing at. we will be right back with my "2 cents more" and the answer to our question of the day. is this country letting down our heroes? stay with us. ♪ she knows youlike no one else.

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lou gerri: over a half million veterans have been waiting over 4 months to process their disability claims. are we letting down our heroes we asked a question on jerry gerriwillis.com, 98% said yes, the government threating you down, here are some of your e-mails on the irs scandal. laura writes it is time to abolish the irs. it should rein in the lobbyists, one can dream. >> bob from texas said, now there is no one thing that americans can have confidence in and trust in washington, these people are supposed to be there to work for america, they are only there for themselves. >> and fritz from idaho agrees i lost faith in american

institutions long ago, you cannot have those involved police themselves, it must from the outside. >> and tonight back to something we talked about earlier. the stock market. a pleasure dome for highly connected traders, its relevance to the average american is diminishing. the more connected you are faster your computer, betture your returns, what was 1 a marketplace to connect pa sures and business builders to capital has become a rigged game. we have to find the toll change it. the average american has right to trade individual stocks but have to question whether it is worth it why play, when the winner is set before the game begins. that is my two cents more. and coming up tomorrow, we go in fashion with donny subtle.

she will tell us hoo her on-line shop is helping girls express their individually, and helping a good cause, thank you for joining us, dvr the show. have a great night. lou: gooo evening thank you for being with us, breaking news, the white house now claims that bashar assad's forces have sed chemical weapons on syrian rebels, they used serine to kill 100 to 150 rebels over the last 12 months could obama administration asked for a united nations investigation almost 3 months ago, but it has reached a conclusion that assad@ is responsible for use of chemical ep one weapons throughn efforts and determination, the times is curious, less than 24 hours after former president bi