remember if it's a crisis -- now that's a threat. that one's a threat. see that! the flag, end of the world. have a great weekend. ♪ ♪ gerri: hello,verybody, i'm gerri willis, right to the top story. the woman at the center of the irs scandal may be forced to come out and speak. lois lrner refused to anser qution about the targetingof conservative groups declaring she did nothing wrong. the house oversight committee today ruing she waived he 5th amendment rights and can take her to federal court f she refuses to answer for her ctions. joining me, director for public notice. gretchen, welcome to the show. great to have you here. did she waive her th aendment

rights? >> she did the moment she openedded her mouth and spoke was the moment she waived her rights. she had the chance and opportunity to telthe committee and tell the american public her side of the story without allowing any of the members of congress to ask any questions and ask -- and let the american peopleknow the other side of the story. >> well, congressm agrees with you. here's what he had to say. >> yes, she has a 5th amendment right to remain silent. she sat there and could have said nothing. wehad a witness this week, who dithat? we had a witness this week wh sai nothing. she didn't. she made nine separate actual assertions and had a document. if that's not waiver, if that not express waiver, then surely it's implied waiver, and and if noieded waiver, what is?

gerri: great question. can you take two bites of the apple in giving testimony to congress? >> it seems you can, bt congress will try to take two bitesf the apple if they come back asking he to testy again. if they ask her again and he refuses to, she will be held in contempt of court, and that could ean the could be a federal cae here where tey uld take herand hold her in contempt. gerri: what's amazing to me about the story is thatno heads have rolled, nobody's lost the job, lerner is on paid administrative lee. what do you make of that? >> this is a organization, the irs, supposed to be spendin our dollars wisely, taking them in, spending wisely. there's no accountability he. lerner is on administrative leave, and at the same time, she's still getting paid. paid with those taxpayer dollars that she abused. what we are creating here is just a cultu that's protecting the waste and abuse of ower and the waste o taxpayer dollarss gerri: it's not the first

scandal. there's many with the irs this is just one of them. there was a conference recently that they paid a lot of money for. >> yeah. gerri: really embarrassing. people -- irs agnts using credit cards, the targeting of conrvative groups, of course, and then what was really embarrassing, handing out bonuses right inhe middle of the fuoughs, and these we to union folks. i have to tell you, i feel like the irs is ou of control as app agency. what do you think? >> absolutely. th agency doesn't seem get the message that he american peop arefrustrated with the size and role of goverent and what they are doing. government pending continues to be a top concern of the american people, and what we see here is the irs does not care for the dollars brought in. it's been making videos about "star trk" for trainiig. it's been spending money on porn, wine, beer, and spending ton of mney on near of footballs. i think we have to wonder, is this really what we thought that the role of government should be? when we have out there peoe whoare actually in need of help

and there's a fundamental role for government to play, and those dollars are notgoing to the fundmental roles, but more and more irs emmloyees and creating an agency that is trying to continue this waste, continue the abuse of power, and be in charge of what obamacare in the next year. gerri: of coue, now, they are saying progressives were also targeted, but you say there were lots moreconservative groups put at risk? >> yeah, the inspector general in the report said he did not find that any progressive groups were attacked. the roups targeted were groups that had e ords "tea party" in them o groups that talked about government pending. these were the grups they went after. now, who knows, we may see they were going after progressive groups, but it was very clr they targeted these groups goin after something that they were very much about, and that s wasting taxpayer dollars and increasing the size of government. erri: gretchen, goodpoints. to addsalt to the wound, lrner

earns $177,000 a year, more than four times the average american. good to see you. >> and she's getting a paid vacation. gerri: all bad nws. thank you. >> thank you. gerri: ho to keep your home from being hit from summer weather and protect your privacy. did you know schools store your child's personal information on the cloud just off in cyberspace where anybody, anybody can get at it. details coming up. details coming up. ♪

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gerri: schools across e country trying out anew computer programto manage the students. the interpret, that is, cloud data bases, give schools the ability t bring together a whole host of information on kids and not just grades ad attendance. the schools say the systems improve education, but some parents say it throws priva out thewindow. with us now, seth, what is the information collected here many

>> well, they are systems led by companies lie in bloom, huge data clouds, descendng on schools to collect a bunch of data about kids. everythi from gaes and classes to oter potential a possibly invasive ctegories like rlated medical information, disciplinary informion, and it's raising some situations with benefits but also risks. gerri: wow. who has access? do endors have access? when i was in high school, anybody could wander in the principal's office and rifle through anything in there. it seems to me that this information couldgo anywhere. >> well, tha's really the big controversy here. you've got basically an interactio of two problems bouncing off each otherment on the legal side, there's ahost of privacy relaed laws. yo privacyrlated aws for protecon oedcionl bedinomati, uha priefly swbased upon oteion prsonaan alt-rated ifrtion hever tre's lou a lnebleotenalssm wherhacersc ge iad rents areconcernedded that

sponsors come in and try toget a hold of the data as well. it's contrersial. gerri: in the health care field, the hipa law does little to protect health care information of syrins, -- information, and it's supposed to do that. the laws seem ineffective. >> that's the problem. parents are coneed. they ask do we hav a say n this? do we have to waive in or out of it? you could have local bureaucrats in a school system once they determine they are going to be running the system, the parents have no say. the's a number of hearings and situations with various legislatures throughout the united states including activity going on in boston about the very ssue you've identified. gerri i want red a statement from one of the companies that's involve i ths. @%is is from inbloom. they say vendors have no acess to student records unless authorized by a state or district with legal authority over th records. in bloom has no ownership of student records, neither in bloom nor anyoth agency can

sell or exploit coidential student data. you kno, they may not own it, but it passes through their ands; right? >> well, that's right, and they pass the ball over to the school district, a clever way of saying look to the local school district.. ey own theipeline. wel what if they are in a fiscal difficulty, and then sney wants too say, well fund it if you let us have access and have social media. there's a ot of balances going on right here between the educational benefit and the proven singles of the kids and their data. gerri: wow, parents themselves cou sign off on that if it means money for the s school distri, but other parents are saying, and, look, seth, i understand this. you know, kids develop prolems sometimes and to have that in your record will follo u for your etire educational career, and that maybe mething parents don't want. >> th's right. you have something that's going to go at leas k-12 where it's in the system, butt the federal law, and w're not getting wrappd in the federal law

called furpa that guarantees and provides instances where you can't get access to the formation, but now it's in a cloud. we've seen a lot of situations lately about the vulnerability of the systems so technology left a head of federal statutes, and parents are concerned. it really is a potential problem. >> you kow, parents feel they should be able to opt out of the systems, and i tend to agree, but they could be in the backseat for their kids' education. if you are not participating in what everybody else is doing, that might, you know, put your kid behind somehow. what do you say, seth? >> tat's right. at's the diemma. ultimely, how this is going to blend in is i think you're identifyg an important story, the tend of the future. companies come, in data clouds will descend upon schools, andd@ we have to identify this important debate to put together the benefits and the efficiencies along with the privacy concerns, and if you blend them together, there's a syem that might help to protect children and bring them along in the educational process. gerri: interesting topic.

i know patients all over the country are listening to ever word you say, seth, hanks for ming on. >> my pleasure gerri: later inhe show, more government's getting involved in business. 'll dissect a new aw requiring -- requiring paid sick time, even small employers. next we answer the question, how do you do that? tips on how to protect your home from the elements this summer including heat and flooding and all manner of mayhem like you are seeing right here. ♪

gerri: with the country in a heat wave, how to potect your home from heat and a host of other summer dangers. ♪

♪ gerri: well, we need to be taking steps year round to eep our kids and home safee, but especially important in the summer. much of the u.s. falling into the grips of an extreme heat wave, and there's unknown summer dangers luring, so how do you protect your home? joining me now, sndicated radio host, author of the book "my home, my money pit," and, boy, ca i relate to that, tom. thanks forr coming on. >> my pleasure. gerri: you know, this weekend, in death valley, temperatures of 126 degrees. it's crazy. we've heard a ot of the old-fashioned tips on keeping yourself cool, but anything to keep the house coo >> sure. south side of the houe, blinds drawn all day long whether you are there or not to keepthe heat out. heat gnerating pliances, don't use the ovn or drier, things like hat. keep the air-conditioning -- fight the temptation to drop t down. keep it at steady like 78-80,

and it maintains that keeping the house comfortable dehumidifying making the different. gerri:humidity a kiler, absolutely. >> it is. gerri: other summer safety tip, a one of the ones that surprised me was the window safety tip issue. we had a couple kids in jersey and a horrible accident recently. u say windows are a future a -- feature people don't think about. >> screens, they don't. when we grew up, screens were tough. they were strong. today, the window screens are fabric, integral to the window. they are very weak. a lot of prents et a false sense of security thiking the screen keps a kid from coming out. it doesn't. it's like there'snothing the at all. you wouldn't put the bed or dresser or anything or a crib near the open window. that's what you do with jst a screen iplace. with window safety, don't rely on the screen. use child safety bars that can be opened in the event of

emgency but protect kids. don't pt furniture or bds or cribs against windows, and wtch for the blinds, anything with a cord is a hazard. gerri: absolutely. people don't think about that. great point with the screens being lightweight, li a pec of fabric. >> they are, exactly what they are. gerri: i want to talk about pools for a second because i have afriend whose 2-year-old drownedded in the family pool. >> o my god. gerri: people don't think about this, but it's little boyswho are at risk because they ae the ones whoare going to wander over to the pool and fall in. yohave to be careful with this. >> you do. what you do to back yourself up as a parent because nothing is better than your supevision, but create layers of prections. what's that mean? start with a good quality pool fence. i have an exmple here. you tak about kids and what they can do. they can climb; right? this is like a nrmal chain-linked fence, but it's not because of the size of the link that is an inh and a quarter, a normal lynch is a two by two and get a foot in it, but this is

non-climbable fencing. in addition to the fencing, the latches on the gates have to e 54 # inches off the ground so they up a the doors have ton alarmed. the way they wok is if they open the door and leave it open, the alarm alerts, but if you go out, you can disable it for 10-15 seconds while you go out, close t door behind you giving you layer that the ids have to breakthrough to get to that danger area of the pool. gerri: so many kids get hurt aroun ol, lile kids an itmayt beyur kd but a neigor's hld. uhve t bevr,very carul. a othe ips? pay grondsftis portt. e ki ar ouo cho, hang areat time, and folks are building areas in the backyard. gerr so popular. spending tons of money on this. >> you send the mos on ground cover. not just mulch, but nine inches of mulch and tea gravel, a thick

base six feet beyond the base. they will be cushioned if they jump from a swing. there's rubber, mats, protect the ground surface. gerri: the higher the playgrounds, 12 feet, 20feet high, that's a long small for a all child. >> it is. the shooks the swings connect to, they have to be cosed. if you have strings, they can be caught on hat and strangulation hazard. gerri: thanks for the tips for the summer. appciate your time. >you're welcomeme, stay safe. gerri: temperatures 234 t western u.s. are epected to soar in the next couple of days, and we're talking triple digit heat. it's not expected o come close to setting rcords, especialy in that part of the country. tonight's top five, the highest temperatures ever recrded in the u.s.. number knife, pamdale, california, record high of 16 degrees recorded on july 28th, 1995. number four, mekkah, california, a record high of 126 degrees in

june of 1990 number three, gold rock ranh, california, this town also had record heat of 127 degres in july of 1995. number wo, lake city, arizona, the only noncalifornia town on the list registered 128 degrees in june of 1994. the highest temerature is death valley, of course, california, it's 1913 record of 134 degrees is the hottest temperature ever recorded on earth, and this city can boast the six hottest days on the history of the u.s. with temperatures ranging from 28- 134. coming up, important tax information for you business travelers out there, and ext more and mre cities require businesses to offer pai sik leave to employees. is it legal? stay with us. ♪ alec, for this mission upgraded your srt phone.

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♪ from our fox bsiness studs in new york, here, again, is gerri willis. ♪ rri: well, government red tape is making doing business even harder. new york city becoming the mos populated pla in the states to force employers to provide paid sick time, forcing them to do this. should this be legal? joining me, fox news legal analyst leis and bill bill, tell us about the new law in new york. how's it work? >> well, it's something that's done to help people be more productive at work, and the way it works is that employers with 20 or more employees will have to provide five paid six days per year, and then approximately a year from now, i believein april of 14, that will go down -o 15 employees. now, employers with less than15 employees will not have to provide paid sick lave for five ays, but they will have to over employees five days off witho

pay and have them not be real yaleed against in terms of taking time off and coming back to work, and so so far in other jurisdictions where it's offered, it's been uccessful. erri: well, okay. that's debatable, my friend. >> isn't it something that should be between the employer and employee as theynegotiate? the government stepping in telling the employer what they mist do, mandate under the law in new york affects over a million people. what the enforeseen conequences fobusinessis undually burdened by this, and that means hers the problem, here's the catch, that means they will cut back on other things like vacation time or retirement funds or hings like that because the small businesses, the small employers, have not factored in this extra ost, nd they will be cutting back on other things, and maybe even,

bill, laying off pele or not hiring them because they are worried about this. gerri: ill, hodo you respond to that? >> the response is simple. you have to considerthat 74% of employers in new york already offer it nway, okay? they found in those particular instances ina financial impact animal cyst was done by the city council before the lay was passed, and they -- >> you said over. >> they do not perform effectively when they are sickk, impact other worers, get hurt on the job causing wokers' comp costs to go up, and when they are paid to take ime off, they get preventatie care ad essentially erybody wins. it's a more productive workplace. >> no, i don't disagree with anything you sai but back a couple paragraphs to what you said. you said 744 new york employees offer, offer, that is what i said, which is they negotiate, employer and employee egotiate

sick days. that's fine. that's left to the fre market to do that, but when the government comes in and says we are going to force yu to do this, something that they maybe, you know, th other 26% of the employees don want to do, that's going to have a devastating effect. >> but thegovernmentt forces you to pay minimum wage. the government forces you to pay overtime. there's all kinds of rules, osha, regulation -- gei: one morething missing in the conversation is it's not just new yk city. this is happening all over the country, and now nancy pelosi says, hey, we need a federal law to force companies to pay for sick time, and it's not just this, but i want the response to this, you can choose -- >> ectly. gerri: this, to me, from my point of view, giving employers less control over their employees. >> absolutely because they have to offer this. they ca't not offer it. by the way, you know, you cited the other states that allowed it, but other states tried to pass is and it's disalawed. the idea of a federal law

covering all states, idon't see it passes. >> the point is reguation in the workplace is required because when left to their own devices people or employers do not do the right thin, and in the jurisdicons that have it, they have found it to be effective. for example, it's a digression, but the family medical lee act, when that came in,they thought it killed businesses, and it's been atotally successful program, people came back to work, work effectively, and not have to worry about them. >> you said that before. what i understand of the way he law works, so you could trade in your sick days and get money for it, which, to me, is -- >> that's correct. gerri: i understand you want sick days, but now this is a gotiati ploy to ge money forworkers seeming like a ift, frankly, to the unions. this seems like a gft. this is to help organize workers. there's a method behind madness, and mayor bloomberg said it was a bad idea.

>> exactly, the mayorments to banddrinks and cigaettes and all this, i mean, mayor bloomberg said i dn't want it. it's too much a nanny state. gerri: go ahead. >> that's okay. bloomrg wasn employer in his own right and obviously, in that -- well, hs bloomberg whatever before he was mayor, but the point is this is a critical aspect. when people are, you knw, incentivized to not get sick, they are paid in this particular context, and workers acually get other opportities to fill in and make more money, lik, for example, restaurant workers, ect., benefit if they don't take any of the sick time. the point is this has been a successful program, and as i said, just to finish, there's regulation of labor throughou history. this is no different. >> the economics, if you don't take sick leave, you're paid in that. that's an increase in the salary. bottom line incree in the sally, which is fine, but the

empyers take thatinto consideration in hiring more people. gerri: w could go on and on and on, guys, and, unfortunately, we have to leave it there. you guys did a great job. you know, looking at this from absolutely every angle thanks for coming on. have a great weekend. >> you too. >> thank you, you too. gerri: from employment to the house, the market for anew home? listen up. mortge rates sky rocketing. the most in 26 years, no kidding, hitting nearly 4.5%, the highest rate in two years. now, what that means for you own the recovery, the consumer education president for credit.com and anthony sanderrings, distingished real estate finance professor at george mason university. starting with jerry because i know you think a lot abut consumer issues. how important is this going to be to consumer finances? could it keep somebody out of the housing arket? >> t absolutely could keep somebody out of the housing market because if you think about it higher rtes means higher payments, and we're in an

environment where it's very competitive and where there's tighter underwriting standaads so if your payment goes up, you may not qualify for that rtgage that you qualified for a month ago. gerri: anthony, is tis going to put the brakes on the housing recovery? there's monster rates, will it continue if tey rise? >> n. right now, we are seeing what we sometimes see with a mortgage application, the purchases,and when rates go up, people panic, house prices go up, i have to apply for a mortgage right now. we are seeing a little of that, but the problem is as was said, credit still is tight, freddy and fannie have the hammer down. gerri: good point. people have been strugling throughout the recovery to try to get into the market, to try to get a loan, and it's very hard to do. what do you tell people who are trying to psition themselves at this very last mite, maybe to y a first home, maybe they are

tight, maybe this really puts the pressure on their finances. what do you say to them? >> ell, i say there's a couple things. of course your credit score is important. the federally mandated free credit report, get that in order. the other thing i say is get preapproved because what we're seeing in today's market, is a fair number of cash buyers, investors coming in from overseas r big investment firms buying up propertyings if you are preapproved, you may have leg above cash buyers because you offer higher prices. make sure you are ready. gerri: there prices to escalainggain. anthony, the nar said they thnk the year ovr yer price gai for the country is something like 10%, and hat is a gain that we saw first way back in 1995, a year over year gain for the whole country.

is this dangerous territory that we're in now with housing prices ratcheting up quickly? >> oh, absutely. as i told someone else in a class, the fed is kind of lost control of interest rates. we'veseen -- still buying billion a month, but, u now, rates are going up, they went up more tayafter two days of decline, but the whole point is that, you know, it was a buyer bubble. a lot of te cheap money flowed through to wal street, and they are running abuying housing. once it cools off, could see deflation. >> well, i keep telling my staff, and they are all young and they have never sen rates over time. they have no idea ow low this lel really is. we looked it up today, the average rate sincee1971 s 8.6%, well, well, off those levs. what's the per speck sive people don't have tatthey should have at thisime? >> you have so absolutely right.

4.5% now, and we say that's too high. i don't think we're going to see interest raaes below 4% but we're in a very affordable interest rate environment, and in many parts of the country, not all, there's hot markets out there, many parts of the coury, affordabili is still there. you are serious about buying a house, youknow, then it's time to rally get your house in order an see what yo can find because it's a good timeto buy. >> 8.6% coming any time soon to the market? >> oh, i can't see that really happening. i can see probably another hundr base increase, but that's it. geri: that's important. >> the economy stilltinks. gerri: ha-ha! well, a lo feels false; right? a lot of it feelslike it's brought on by ben bernanke andd the machinations going on with thed fed. a lot of people out there don't trust what they see. if you were one of the people who's trying to nail a house quickly, get in, et out, because you think rates are

going higher, what ar the steps to take to work quickly? >> yeah, well, and let me mention too the national association of realtors said in may of the 45% of all the huses that sold were on the mket less than a month, so we're talking about a very fast process there. you want to have a great realtor, of course, a great loan officer, and you want to get them every piece of paper they ask for when they ask for it so if they say ump, you jump. be preapproved, credit's in order so that if you do find the house you want, you can move quickly, of course, wisel you don't want to buy a house where you don't get an inspection, for example, and then end up making a big mistake. gerri:we talked about mortgage rates, and i want to talk about inventory for a second, anthony, one of the constrainingfactors in the market. there's not a lot of inventory, homes areot on the markee, what's the crystal ball say about inventory? >> good news is inventory's pking up because, again people see house prices going on. fewer people underwer, so

people are able to ring houses to market. bad news is that inveesers and banks sit on millions of properties not diffused into the market yet. gerri: is that an issue for consumers in the arketpace looking? there's not enough hous to look at? >> i asolutely see t as an issue, and when we'reetalking about ising inerest ras as we just mentioned, talkingthe da mortgage, and all these homes that still have yet to go on the market that are in foreclosure, preforeclosure, or bank ow properties, we're not out of the woods yet here. gerri: a long way to go. oh, nthony, do you want to add anything? go ahe. >> just agreeing, saying th was a great point. gerri: okay. you both made great points. thanks for coming on. have a gret weekend. appreciate your time. >> thank you. gerri: we want to know what you think. he's the question tonight. wwll higher mortgage rates preven you from buying a home? vote on the right-hand side of the screen, and i'll share the results at t end of the show.

when we come back, you know what? it's fashion friday in june, and we're taking wedding dresses the right ones fo the second trip down the aisle. number two, nmberthree. a warning for all your business travelers out there. why you may have to pay extra taxes depending on whereyou're headed. next. ♪ you hurt my feelings, todd. i did? when visa siature asked everybody what upgraded experiences really mattered... you sgested luxury car service instd of "strength training with patrick willis." come onodd! flap them chicken wings. [ grunts ]

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gerri: if you travel requester business, watch out. the irs, local, and state governments are watching you. once you step foot in another state, you may be liable for tax on the income you earn there.

what are the imrtant things to remember? with us now is diversified financial consultants. i have never heard this. i was shocked to find out that if you travel on business, you may have to give your income to the state u aredoing buness? are you kidding me? >> well, so, we are dealing with, and this is actually the problem, we are dealing with multiple states, each one of the states with its own taxing authority, and each one of the states wants their shre of the pie. we spokabout the irs and tax code, but that's one uniform tax code. no matter where you live in the country, the rules are all the same, but today if you're in new yorklike myself, and i go to a state to visit a client and transact business with the client, it's conceivable that that sta says you earned part of your income inour borders, and, therefore, you owe us a portion of the revenue that you earned. gerri: wow. okay, now tha you explained it, it makes evens.

i'm not happy about it, but it makes sense. are they strict about enforng this? >> well, it's rally complicated because, again, we're not dealing with a single uniform code, an i've een in the border, and earned income in the border. the sales force and the individual with a territory that's three stages and you spend ten days in this and tt state, they can track that; right? a fortune 500 company tries to do a good job, cding the w2 # of the employee orra 1099 if you're an outside contractors, but the average individual really doesn't have a clue, and i went through a personal experience myself where there was no idea they were there. >> igh rtes of taxation?

>> wl, this is not a shocker. by reputation only, new york is probably one of the most difficult states, and if they came into the state one day and worked that one day in the stat in fact, you should be filing nonresident tax return. of course, there's states like florida, no tax a all, so you don't have to worry about it, i come here, there's a large client base, no thoughtprocess at all in that. gerri: good planning. >> the problem is trying to figure out in each individual state whether you should or shouldn't file, whether there's a leeway period of five days where if it's less or more, and the problem is it's a noncompliance because you simply don't know. if i owed taxes to the state of new jersey, i actually take a credit on my new yok state tax return for that so it's not a tax avoidance problem but it's just i don't know what the rules of the game are problem. gerri: what i cn see having watched the states what they do over the last couple years is they ratchet up cmpliance

efforts on this because it's a way to get more revenue. >> that's exactly the problem, gerry. in the past, you know, it was under e radar, and if you did it, you did it by accident, but states clearly are literally tuing over rocks looking for nickels and dimes. what's better tana nonresident earning revenuein your state? go after the and you don't have to worry about getting reelected. they are starting- think of an hlete in multiple states, a multiple musician who plays in multiple states, a lecturer who goes to gi differen states to promote their book or seminar, these people are going to be targeted, again, the higher net worth, the highee revenue people, they will be targeted. they are more public figures, targeted, and where's our sre of the pie? a multiple states cigs does't kw -- musician doe't know about filing of tax returns so it's for a professional to go over the agda, the timeline, work history, and figure out how many

days spent in each state. gerri: cry. >> crazy. gerri: thank you for telling us about it, and we have the information, we have to acton it p on the phone: good luck with that, have a great day. gerri: have a reat weekend, thank you. >> thank you, you to gerri: still to come in-fashion says yes to the second dress with dvid's bridal. find out what's hot for walking down the isle is second time. ♪ the pursuit of a better tomorrow is something e all share. buwho can help you find your own path? who can build you a plan, not just a pie chart? who can help keep your investments on course, whatever lies ahead?

that someone is a morgan stanley financial advisor. and we'rready to work for you. at od, whatever business you're in, that's the business we're in. with premium service like one of the best on-timeme delivery records and a low claims ratio, we do whatever it takes to make your business our busiss. od. helping the world keep promises. gerri: up next, turning the set into a bridal boutique and what's in fashion for second time wed

♪ gerri: in fason tonight saying yes to the dress for the second time check this out. for man women who are marrying for the second time, or if you are over 40, the options are overwhelming. with the help of david's bridal, celebrity style eert here to show us the must-have bridal looks. i love the segments. these are not new brides. we know about that. if you get married for a second time or over 4 what do you wear? >> you know who you are, and the women are looking for simple elegance looking for pecial necklines o an alternative color,r maybe a little bit more coverage, but they definitely want simple elegance, and they know thr personal style. >> pretty, pretty, pretty; right? >>o celebrate who they are. gerri: looking to use your personality; right? just a little bit? >> exactly. rri: the firt dress with the bow on it, just awesome.

does it flatter everybody or do you have to have an hourglass figure in >> well, you know, this dress creates that figure. i think this dress works a lot of types, and i love it because it's a scoopneck, it's a beautul dress, under 500 dollars, and you can't go wrong with it. it hugs your curves in all the right places, but because it's simple, you can have a fabulouserrings like you have on now. >> i took those immediately when i came to the set. >> that gives you the kiss of luxury it deserves. gerri: i like the material and the fabric is fantastic. dress two. there's lot going on. >> it's a designer gown, you pay more money, but we're talking about a thousand dlars here, but it's got such exquisite design details in right now. e illusion necklineis beautiful, the applications, and there's a lot of drama in the back, too, aother huge strend, a streamer back. when you got the things going op, don't over access rise, but

people want heir personal stamp on it. wear a bulous pair of shoes or a pop of color gerri: never seen colored shoes for anybody other than the bridesmaids. what's goi on here? >> it's a treen. more and more brides wear a pop of color onhe feet, and, you know, even if you don't see the shoe, you know that you've got a complete fnisheook. you know what? if i had a pair of shoes like this, i'd mae sure everyone saw the shoes. gerri: love it. no rules second time around or over 40. >> do what you want. gerri: this is like great gaby. >> it is. it's sophisticated, sweet, and body conscious. if you love tha movie and the fashion of its era, yu love the beads, bling, and drama. it's $299, so when you have that price point, you can afford to splurge on vintage accessories to bring the ook together. gerri: love the shape. >> le that; right? gerri: very petty. >> put a hair accessory in and

do a nice elegant, something elegant; right? gerri: all planned out. i'd put itn, and i couldn't. >> you might not want a vail, but you need something in the hair. gerri: good point. >> there you go. gerri: this is the drress i'd wear. >> your style. it's my favorite. it's sophisticated, absolutely beautiful, and it's got the waist, and, again, david's bridal, $399. gerri: unelievable. >> i know. it's a hue trend that works beautifully in bridal. gerri: hope it doesn't go away. how do you access rise that? >> it staands alone, but a bride can add their own statement necklace, absolutely fabulous, edgy, taking the gorgeous gown to a completely different level. gerri: i would do erings mucae res chagin the's ed betdgy, ycky dress fomoter othe bride and second timaround, maybe you wear a suit right? >> right, right. things are different.

a lot of people, you know, who are over 40, tey look fbulou look as good as a ide. they want to show their bodiee off and want to celebrate, and, you know, they're fashion forward. th d't want a mob dress. >> mob, mother of the bride, people, that's what sthees talking about. you have fashions, styles, working with famous people. >> i worked with beyonce, absolutely amazing, and people like mariah carrey, lot of fun. gerri:hat did you learn from that? >> you kno i learned you can have celebrity style without being a celebrity, and that's what i do now shang with brides and real women everywhere. gerri: what's the secret of that? being comfortable? is that part of it? >> i think so, but those celebrities have tylists like me burks the secret to looking your best is knowing which silhouetteflatters your body ty andow to access it. gerri: love that. i'll study that report.

you're awesome, thanks for coming on. >> thank you so much for having me. gerri: great stuff. we'll be right back with two cents more and the answer to th question of the day, will higher mortgage rates keep yu from buying a he? stay with us. ♪ clients e always learning more to make themove,ney do me. plt i take scottrade's free, in-branch seminars... plus, their live webinars. i use daily mark commentary to improve my strategy. and my local scottrade office guides my learning every step of the way. because they know i don't trade like everydy. i trade like me. i'm with scorade. (announcer) scottrade... ranked "highest in customer loyalty for brokerage

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♪ gerri: the federal reserve comments about reducing its stimulus purchases are already inassi borrowers. average rates on fixed mortgages surging to their highest level in two yea. so well this keep you from buying a home? we a the question on gerriwillis.com. 45 percentf you said yes, 55 percent said no. interesting split. be sure to log on to gerriwillis.com for our on-line question every weekday. that's it foronight on "the willis report." thank you for joining us. do not forget to record the show if you cannot catch us live. have areat weekend and a very good night. ♪

thanks for being with us. one nation prevailed in asserting its interest in the summit in northern ireland and it was not the united states. two days of talks at the g 8 in befast and a one hour discussion between presidents obama and putin on syria turned out to be an 'em brarsment for the president. the call was for assad to step down and a condemn nation of assad after