we will keep reeorting on them. that's our show. thank you for watching. ♪ ♪ gerri: hello, everybody, 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 lerner rfuse to answer question about the targeting of conservative groups declaring she did nothing wrong. the house oversight committee today ruling she waived t 5th amendment rights and can take her to federal court if se refuses to answer for her actions. joining me, director for public notice. gretchen, welcome to the show. great to have you here. did she waive her 5th amendment

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

gerri: great question. can you take two bites of the apple in giving testimony to congress? it seems you can, but congress will try to take two bites of the apple if they come back asking her to testify again. if they sk er again and she refuses to, she will be held in contempt of court, ad that could mean there could be a federal ase here where tey could take her and hold her in contempt. gerri: what's amazing to me about thstory is that no heads have rolled, nobody's lost their job, lerner is on paid administrative leavave. what do you make of that? >> this is an organization, the irs, supposed to be spending our dollars wisely, taking them in, spending wisely. there's no accountability here. lerner is on administrative leave, and athe same time, she'still getting paid. paid wth those taxpayer dollars that she abused. what weare creating he is just a culture that'sprotecng the waste and abuse of power nd the waste of 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 real embarrassing. people -- irs agents using credit cards, the targeting of conservative groups, of course, and then at was realy emrrassing, handing out bonuses right in the middle of the furloughs, an these went to union folks. i have to tellou, i feel like the irs is out of control as app agency. what do you think? >> absolutely. this agency doesn't seem to get the message that the american people are frustrated with the e and role of government and what they are doing. government spnding continues to be a top concern the american people, and what we see here is the irs des not care for the dollars brought in. it's been mking ideos about "star trek" for trainiig. it's been spending money on porn, wine, beer, and spending tons of moneyn near of footballs. i tnk we have to wonder, is this really what we thought that the role of government should be? when we have out there people

who areactually in need of help and there's a fundamental role for government to play, and those dlars are not going to the fundmental roles, but more and more irs emmloyees and creating an agency that is trying to continue this waste, contiue the abuse of power, and be in charge of what obamacare in the next year. gerri: of course, now, they are saying progressives were also targeted, but you say ther were lots more conservative groups put at risk? >> yeah, the inspector general inhe report said he did not find that any progressive groups we attacked. the groups targeted ere groups that had the words "tea party" in them or groups that talked about government spending. these were the groups they went after. now, who knows we may see they were going after progressive groups, but it was very clear they targeted these groups going after something that they were very much about, and that is wasting taxpayer dollars and increasing the size of government. gerri: gretchen, good points. to add salt to the wound, lerer

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 news. thank you. >> thank you. gerri: how to keep your home from being hit from summer weather and protect your privacy. did you know schools store your child's pesonal information on the cloud just off in cybepace where anybody, anybody can get at it. details coming up. ♪ @í0x;ñt

gerri: schools across the country trying out a new computer program to manage the students. the interpret, that is, cloud data bases, ggive schools th abili to bring together a whole host of information on kidand not just grades and attendance. the schools say the systems improve education, but some parents say it throws privacy out the window. with usnow, seth, whats the information collected here many

>> well, thy are stems led by companies like in bloom, huge data clouds, descending on schools to collect a bunch of data about kids. everything from grades and classes to other potential and possly invasive categories like related medical information, disciplinary information, and it's raising some situations with benefits but also risks. geri: wow. who has access? do vendors have access? when i was i high school, anybody could wander in the principal's office and rifle through anything in there. it seems to me that this information could go anywhere. >> well, that's really the big controversy here. you've got basally an interaction of tw problems bouncing offeach otherment on the legal side, there's a host of privacy related laws. you have privacy related laws for protection of educational based information, you have priefly saws based upon protection ofpersonal and health-related information. however, there's a cloud, a vulnerable potential system where hackers can get in and parents a concernedded that

sponsors come in and ry to get a hold of the data as well. it's controversial. gerri: in the health care field the hip law does little to protect health care information of syringes, -- informion, and it's supposed to do that. the laws seem ineffective. that's the problem. parents are concerned. they ask, do we have a say in 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. there's a numbe of hearing and situations with various legislatures throughout the united states including activity going on in boston about the very issue you've identified. gerri: i want to read a statemt from one of the companies tat's involve in this. @%is is from in bloom. they say vendors have no access to student records unles authorized by a state or district with legal auority over the records. in bloom has no ownership of student records, neither in bloom nor any other agency can

sell or exploit confidential student ta. you know, they may not own it, but it passes through their ands; right? >> well, that's right, and hey pass the ball over to the school district, a clever way of saying ook to the local school district. they own the pipeline. well, what if they are in a fiscal difficulty, and then disney wants to say, we'll fund it if you let us to have access and have socialmedia. there's a lot of balances going on right here between the educational benefit and the proven singles of the kids and their data. gerri: wow, parents themselves could sign off on that if it means money for the school district, but other parents are saying, and, look, seth, i understand this. you know, kids devep problems sometimes and to have that in your record will follow you for your entire eucatial career, and that may be something parents don't want. >> that right. you have omhing that's gog to go at least k-12 where it's in the system, but the federal law, and we're not getting wrapped in the federal law

called furpa tha guarantees and provides instances where you can't get access to the information, 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 know, parents feel they shouldbe 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 paricipating in what everybody else is doing, that might, you know, put your kid behind somehow. what do you say, seth? >> that's right. that's the dilemma. ultimately, how this is going to blend in is i think you're identifying an important story, the tendnd of the future. companies come, in dta clouds will descend upon schools, andd@ we have to identify this important debate to put toether the benefits and the efficiencies along with the privacy concerns, and if you blend them together, there'a system tt 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 t every word you say, seth, thanks for coming on. >> my pleasure. gerri: later in the show, more governmens getting involved in business. we'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 her ♪

gerr with the untry in a heat wave, how to protec your home from heat and a host of other summer dangers. ♪

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

and it maintains that keeping the house comfortable dehumidifying making the different. gerri: humidy a killer, absolutely. >> it is. erri: other summer safety tip, and one of the onesthat surprised me was the window safety tip issue. we had a couple kids in jersey and a horrible accident recently. you say window are a uture a -- feature people don't think about. >> screens, they don't. when we grew up, screens were tough. they were strong. today, the windoware fabric, integral to the window. they are very weak. a lot of parents get a fals sense of security thning the screen keeps a kid fm coming out. it doesn't. it's like there's nothingthere at all. you wouldn't put the bed or dresser or anything or a crib near the open window. that's what you d with just a screen in place. with window safety, dn't rely on the screen. use child safety bars that can be opened inhe event of

emergency but protect kids. don't put furniture or beds or cribs against windows, and watch for the blinds, anything with a cord is a hazard. gerri: absoluty. people don' think about that. great point with the screens being lightweight, like a piece of fabric. >> they are, exactly what they are. gerri: i want to talk about poolfoa second because i have a friend whose 2-year-old drownedded in the family pool. >> oh, my god. gerri: people don't think about this, but it's little boys who are at risk because they are the ones who are going to wander over to the pool and ll in. you have to be careful with this. >> you do. what you do to back youelf up as a parent because nothing is better than your supervision, but create layers of protections. what's that mean? start with a good quality pool fence. i have an example here. you talked about kids and what they can do. they can climb; right? this is like a normal chain-linked fence, but it's not because of the size of the link that i an inch and a quarter, a normal lynch is a two by two and get a foot in it, bu this is

non-climbable fencing. in addition to the fencing, the tches on thegates have to be 54 # inches off the ground so they an't reach up, and the doors have ton alarmed. the way they work is ifthey 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 the door behind you giving you layer at the kids have to breakthrough to getto that danger area of the pool. gerri: s many kids t hurt around pools, little kids, and it may not be yo kid but a neighbor's child. you have to be very, very careful. what other tis? >> play ground safety is important. the kids are out of school, havi a great time, and folks are building areas in the backyard. gerri: so popular. spending tons of money on this. >> you spend the most 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 cusioned if they jump from a swing. there's rubbr, mats, protect the ground surface. gerri: the higher the playgrounds, 12 feet, 20 feet high, that's a long small for a small child. >> it is. the s-hooks the swings connect to, they hav to be closed. if you hae strings, they can be caug on that and strangulation hazard. gerri: thanks for the tip for the summer. ppreciate your time. >> you're welcome, stay safe. gerri: temperatures 234 the western u.s. are expected to soar in the next couple of ays, and we're talking triple digit heat. it's not expected to come close to setting records, especially in that pa of the country. tonight's top five, th highest temperatures ever recorded in the u.s.. number knife, palmdale, california, record high of 126 degrees recorded on july 28t, 1995. number four, mekkah, california, a record high of 126 degrees in

june of 1990. number three, gold rock ranch, california, this town also had record hat of 127 degrees in july of 1995. number wo, lake city, arizona, theonly noncalifornia town on the list registered 128 degrees in june of 1994. the highest temperature 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 dys on the history of the u.s. with mperatures rangg from 128- 134. coming up important tax information for you business travelers out there, and next more and more cities require businesses to offer paid sick leave to eployees. is it legal? stay with us. ♪

♪ from o fox business udios in new york, here, again, is gerri willis. ♪ gerri: well, government re tape is making doing business even harder. new york city becoming the most populated place in the states to force employers to provide paid sick time, forcing them to do this. should this be legal? jning me, fox news legal analyst leis and bill. bill, tell us about the new law in new york. how's t 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 believe in april of 14, that will go down -o 15 employees. now, employers with less than 15 employees will not have to provide paid sick leav for five days, but they will have to over employees five days off without

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, is been uccessful. gerri: well, okay. that's debatable, my friend. >> isn't it somthg that should be between the emplor and employee as they ngotiate? th government stepping in telling the employer what they mist do, mandate under the law in new york affects over a millionpeople. what he enforeseen consequences for business is undually rdened by this, and hat means here's the prolem, here's the catch, that means they will cut back on other things like vacation time or retirement funds or things like that because the small businesses, the small employers, have not factored i this extra ost, and they will be cutting back on other things, and maybe even,

bill, laying off people or not hiring them because they are worried abou this. gerri: bill, how do you respond to that? >> the response is simple you have to consider that74 of employers in new york already offer it anyway, okay? theyound in those particular instances in a 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 sick, impact other workers, get hurt on the job causing workers' comp costs to go up, and whe they are paid to te time off, they get preventative care and essentially everybody wins. it's a more productive workplace. >> no, i don't disagree with anying you said, but ck a couple paragraphs to what you said. you said 744 new york employees offer, offer, thatis what i said, which is they negotiate, eloyer and employee negotiate sick days.

that's fine. that's left to the free market to do that, but when the government comes in d says we are going to force you to do this, something hat they maybe, you know, the other 26% of the employees don't want to do, that's going to have a devastating effect. >> bu the government forces you pay minimum wage. the government forces you to pay overtime. there's all kinds of rules, osha, regulation -- gerri: one more thing missing in the conversation is it's not just new york city. this is happening all over the country, and now nancy pelosi says, hey, w 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- >> exactly. gri: this, to me, frm my point of view, giing employers less control over their employees. >> absolutely bause they hae to offer this. they can't not offer it. by the way, you know, you cited the other stas that allowed it, but other states triedo pass is and it's disalawed. the idea of a federal law

covering all states, i don't see it passes. >> the point is regulation in the workplace is required because when left to their own devices people or employers do not do the right thin, and i the jurisdictions that have t, they have found it to be effective. for example, it's a digression, but the family medial leave act, when that came in, they thought it killed businesses, and it's been a totally 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 the law works, so you ould trade in your sick day and get money for it, which, to me, i -- >> that's correct. gerri: i understand you want sick day, but now this is a negotiating ploy to get money for workers seeming like a gft, frankly, to the unons. this seems like a gift. this is to help organize workers. there's a method behind madness, and mayor bloomberg said it was a b idea.

>> exactly, the mayorments to band drinks and cigarettes and all hi i mean, mayor bloomberg said i don't want t. it's too much a nanny state. gerri: go head. >> that's okay. bloomberg was an employer in his own right and obviously, in that -- well, has bloomberg atever before he was mayr, but the point is this is a critical aspect. when people are, yo know, incentivized to not get sick, they are paid intis particular context, and workers actually get otr opportunits to fill in and make more money, like, 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 throughout history. this is no different. >> the economics, if you don't take sick leave, you're paid in that. that's anincrease in the salary. bottom line increase in the sally which is fine, but the

employers take that into nsideration in hiring more people. gerri: we 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 ouse, in the market for a new home? listen up. mortgageates sky rocketing. the most in 26 years, no kidding, hittingearly 4.5%, the highest rate in two years. now, what that means for ou own the recoery, the consumer education president for credit.com and anthony sanderrings,distinguished real estate finance professor at george mason univsity. starting with jerry because i know you think a lot about conser issues. how important is this going to be to consume finances? could it keep somebody out of the housing market? >> it absolutely could keep somebody out of te housing market because if you think about it higher rates means higher payments, and we're in an

environment where it's very competitive ad where there's tighter underwriting standaads so if your payment goes up, you may not qualify for that mortgage that you qualified for a month ago. gerri: anthony, is tis going to put the brakes on thehousing recovery? there's monster rates, will it continue if hey rise? >> no. 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 app 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 struggling 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 position themselves at this very last mite, maybe to buy a first home, maybe they are tightmaybehis really puts

the pressure on their finances. what do you say to them? >> well, i say there's a couple things. of course your redit score is important. the federally mandated free creditreport, get that in order. the other thing i say is get preapproved because what we're seeing in today's market, s a fair number of cash buyers, investors coming in from overseas or big investment firms ying up propertyings. if you aepreapproved, you may ha a g above cash buyers because you offer hiher prices. make sure you are ready. gerri: there prices to escalating again. anthony, the nar said they think the year over yearprice gain for the count is smething like 10%, and that isa gain that we saw first way back in 1995,5, a year over year gain fr the whle country.

is this dangerous territory that we're in now with housing prices ratcheting up quickly? >> oh, absolutely. as i told someone else in a clss, the fed is kind of lost controlf interesrates. we've seen -- still bbuying 88 billion a month, but, you know, rates are going up, they went up more today after two days of decline, but the whole point is that, you know, it was a buyer bubble. a lot of the cheap money flowed through to wall street, and they are running abuying housing. once it cools off, we could see deflation. >>well, i keep telling my staff, an they are a oung, and they have never seen rates over time. they have no idea how low this level really is. we lookd it up today, the average rate sincee1971 is 8.6%, well, well, off those levs what's theper speck sieve peopleon't have that they should have at this time? >> 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 veryaffordable interest rate environment, and in many parts of thecountry, noall, there's hot markets out there, may parts of the country, affordaility is still there. ifou are serious about buying a house, you know, then it's time to really get your house in order and see what you can find because it's goo time to buy. >> 8.6% coming any ime soon to the market? >> oh, i can't see that really happening. i can see probay another hundred base increase, but th's it. gerri: that's important. >> the economy stll stiks. gerri: ha-a! well, a lot feels fals right? a lot of iike it's brought on by ben bernankend 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, get out, because you think rates are

going higer, what are the steps to take to work quickly? >> yeah, well, and let me mention toohe national association of realtors said in may of the 45% of allthe houses that sold were on th market 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 nt to get them every piece of paper they k for when they ask for it so if they say jump, you jmp. be preapproved, credit's in order so that if you do find the house you want, you can move quickly, of course, wisely, you don't want to buy a house where you don't get an inspection, f example, and then end up making a big mistake. gerri: we talked about mortgage rates, and i want to talk abut inventory fr a second, anthony, one of the constraining factors in the market. there's not a lot of inventory, homes are not on the markee, what's the crystal bll say about inventory? >> good news is invntory's picking up because, again, people see house prices going on fewerpeople underwate so

people are able to bring houses to market. bad news is that inveesers and banks sit on millions of properties not difused into the market yet. gerri: is that an issue for consumers in the marketplace lking there's nt enou houses to look at? >> i absolutely see that as an issue, and when we'reetalking about rising interest rates as we just mentioned, talking about the difficulty in getting a mortgage, and all these homes that still have yet to go on the rket that are in foreclosure, preforeclosure, or bank own properties, we're not out of the woods yet here. gerri: a long way to go. oh, anthhony, do you want to add anything? go ahead. >> just agreeing, aying that was a great pint. gerri: okay. you both made great points. anks for coming on. have a great wekend. appreciate your time. >> thank you. gerri: we want to know what you think. here's the question tonight. wwll higher mortgage rat prevent you from buying a home? vote on the right-hand side of the sreen, and i'll share the results at the end of the show.

when we come bac you know what? it's fashion friday in june, and we'rtaking wedding dresses the right ones for the second tri down the aisle. number two, number three. warning for all your business travelers out there. why you may have to pay extra taxes depending on whereyou're headed. next. ♪ úúúúúúúúúúúúúúúúúúúúúúúúúúúúúú ♪musicú ♪the more i search0forú my signicance,♪ ♪seemthr ♪and0i0ú a0difference♪

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gerri: if you travel requester business, watch out. the irs, local, and state gornments 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 important things to remember? withs now is diverfied financial consultants. i have never heard this. i was shocked to find ot that if you travel on business, u may have to give your income to the state you are doing business? are you kidding me? >> well, so,e are dealing with, and this is actually the oblem, we are dealing with multiple states, each one of the states with its own taxing authority, and eacone of the states ants their share of the pie. we spoke about the irs and tax code, but that's one uiform tax code. no matter where you live in the country, the rules are all the same, but today if you're in new york, like myself,nd i goo a state to vsit a client and transact business with the client, it's conceivable that that state says you earned part of your income in our borders, and, threfore, you owe us a portion of the revenue that you earned. gerri: wow. okay, now that you explained it, it makes sevens. i'm not happy about it, but it

makes sense. are they strict about enforcing this? >> well, it's really complicated because, again, we're not dealing with a ingle unifo code, and i've been in the border, and earned inome in the border. the sales force and the invidual with a terrritory that's three stages and you spend ten days in this and that state, they can track that; t? a fortune 500 company tries to do a good job, coding the w2 # of the employee orra 1099 if you're an outside contracto, 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. >> high rates of taxation? >> well, this is not a shocker.

by reputation only, new york is probably one of most difficult states, and if they came into the state one day and worked that one day in the state, in fact, you should be filing a nonresident tax return. of curse, there's states like florida, no tax at all, so you don't have to worry about it, i come here, there's a large client base, no thought process at all n that. gerri: good planning. >> the problem is trying to figure out in each indiidual state whether you should or shouldn't file, whether there's a leeway period of fie 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 edit on my new york state tax return for that so it's not a tax avoidance probem, but it's just i don't know what the rules of the game are problem. gerri: what i can see having watched the states what they do over the lt couple years is they ratchet up compliance

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 the radar, and if you did it, you did it by accident, but states clearly re literally turning over rocks looking for nickels and dimes. what's bter than a nonresident earning revnue i your state? go after them and you don't have to worry about getting reelected. they are starting -- think of an athlete n multiple states, multiple musician who plays in multiple states, a lecturer who goes to give different 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 share of the pie? a multipletates cigs doesn't know -- musician doesn't know about filing of tax returns so it's for a rofessional to go over the agenda, the timeline, work history, and figure out how many

days spent in each state gerri: crazy. >> crazy. gerri: thank you for telling s about it, and we have the information, we have to act on it p on the phone: good luck with that, have a great day. gerri: have a great weekend, thanyou. >> thank you, you too. gerri: still to come in-fashion says yes to the second ress with david's bridal. find out what's hot for walking down the aisle is second time. ♪

gerri: up next, turning the set into a bridal boutique and what's in fashion for a second time wed attention - americans living with limited mobility.

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♪ rri: in fashion tonight saying yes to the dressor the second time. check this out. for many women who are marrying for the second time,or ifyou are over 40,, the ptions are overwhelming. with the help of david's bridal, celebrity style expert here to show us the ust-have bridal looks. i love the segments. these are not new brides. we know about that. if you get married for a secnd time or over 40, at do you wear? >> you know who you are, and the women are looking for simple elegance looking for special necklines or an alternative color, or may a little bit more cerage, buthey definitely want simple elegance, and they know their personal style. >> pretty, pretty, pretty; right? >> to celbrate who they are. gerri: looking to use your personality; right? just a little bit? >> exactly. gerri: the first dress with the bow on it, ust awesome.

does it flatter everybody r do you have to have an hourglass figure in >> well, you know, this dres creates that figure. i think this dress works a lot of types, and i love it because it's a scoop neck, it's a beautiful dress, under 500 dollars, and you can't go wrong with it. it hugs your cuves in all the right places, but ecause it's simpleyou can have a fabulouserngs 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 a lot going on. >> it's a designer gon, you pay re money, but we're talking about thousand dollars here, but it's got such exquisite design details in right now. the illusion neckline is beautil, the applications, and there's a lot of drama in the back, too, another huge strend, a streamer back. when you got the things going op, don't over access rise, but

people want their personal stamp on it. wear a fabulous pair f shes or a pop of color gerri: never seen oloredshoes for anybody other than the bridesmaids. what's going on here? >> it's a treen. more and more brides wear a pop of coloron the feet, and, you know, even if you don see the shoe, you know that you've got a complete finished look. u ow what? if i had a pair of shoes like this, i'd make 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 gatsby. >> it is. it's sophiscated,sweet, and body conscious. ifou love tatovie and the fashion of its era, you love the beads, bing, and drma. it's $299, so when you have that price pot, you can afford to splurge on vintage accessories to bring th look together. gerri: love the shape. >> love that; right? gerri: very pretty. put a hair accessory in and

do a nice elegant, something elegant; right? gerri: all planned out. i'd put it on, 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 dress 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. gerr unelvable. >> i know. it's a huge tre that works beautifully in bridal. gerri: hope it doesn't go away. how do you access rise that? >> it standsalone, 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 earrings. how much are trends changing? there's used to be todgy, yucky dresses for mother of the bride and second time around, maybe you wear a suit; right? >> right, righ things are different.

a lot people, you know, who arover 40, they look fabulous, look as good as a bride. they want to show their bodiee off and nt to ceebrate, and, you know, they're fashion forward. they don't want a mob dress. >> mob, mother of the bride, people, that's what sthees talking about. you ha fashions, styles, working with famous people. >> i worked with beyonce, absolutely amazing, and people like mariah carrey, a lot of fun. gerri:hat did you learn from that? >> you know, i learned you can have celebrity style without being a celebrity, and that's what i do now sharing 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 stylists like me burks the secret to looking your best is knowing which silhouette flatters your body type and how 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: grat stuff. we'll be right back wit two cents more and the answer to the question of the day, ill higher mortgage rates keep you from buying a home? stay with us. ♪

♪ gerri: the federal reserve comments about reducing its stimulus purchases are already in passing borrowers. average rates on fixed mortgages surging to their highest level in two years. so well this keep you from buying a home? we ask the question on gerriwillis.com. 45 percent of 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 for tight"the willis report." thank you for ining us. do not fort to record the show if youannot catch us live. have a great weekend and a very good night. ♪

neil: well, who says the white housdoesn't talk about stuff that's illegal. that's not so. the president's been talking 5 lot about ilegal immigrants and finally making them legal and russia holding edward snowden ill saying, well, thas ilgal, but when it coes to a certain irs scandal or justice department scandal or a pattern of healt care department related scandals, not only does the wor "illegal" come up,not a one scandal comes up, not ever. be careful about a president who picks and chooses what he finds illegal. history suggests th real events ultimately determines what is. welcome, everybody. i'm neil cavuto, and as we end this week, this just seems weak, a pit th