>> conservatives face a similar tension today, how do you deal with the complaining lector at and stay relevant. >>e're going to see that answered. ♪ gerri: hello, everybody, i'm gerri willis, right to the top story. the woman at the center of the irs scandalmay be forced to come out and speak. lois lerner refused to answer question about the targeting of conservative groups declaring she did nothing wrong. the house oversight committee today ruling she waived the 5th amendme rights and can take her to federal court if she refuses to answer or 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 opportunity to tell the committee and tell the american public her side of the story without allowing any of the meers of congress to ask any questions andask -- andlet the american people kw the other side of the story. >> well, congressman 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. we had a witness this week, who did that? wead witness this week who said nothing. she didn' 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 not implieded aiver, what is?

gerri: great question. can you take two bites of the apple in giving testimony to congress? >> it seems you can, bu congress will try to take two bites of the apple if they come back asking her to testify again. they ask her again and she refuses to, he will be held in contempt of court, and that could man there could be a federal case here where they could take her and hold her in contempt. gerri: what's amazing to me about the story is that no heads have rolled, nobody's lost their job, lerner is on paid administrative leave. what do you make of that? >> this is an organization, the irs, supposed to be spendin our dollars wisely, taking them in, spending wisely. there's no accountability here. lerner is on administrative leave,and at the same time, she's still getting paid. paid with those taxpayer dollars th she abused. what we are creating here is just a culture that's protecting the waste and abuse of power and 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 pa a lot of money for. >> yeah. gerri: really embarrassing. people -- irs agents sing credit cards, the targeting of conservative groups, of course, and then wh was really embarrassing, handing out bonuses right in the middle of the furloughs, and these went to union folks. have to tell you, i feel like the irs is out of contol as app agency. what do you think? >> absolutely this agency doesn't seem to get e message that the american people are frustrated with the size and role of government and what they are doing. government spending continues to be a top concern of te american people, and what we see here i the i does not care for the dollars brought in. it's been making videos bout "star trek" for trainiig. it's been spending money on porn, wine, beer, and spending tons of money on near of footballs. i tnk we have to wonder, is this really what we thought that the ro of government should be? when we have out there people

who are actually in need of help and there's afundamental role for government to play, and those dollars are not going t the fundmental roleses, bt more and more irs emmloyees and creating an agency thatis ying to continue thi waste, continue the abuseof power, and be in charge of what obamacare in the next year. gerri: of course, now, they are ying progressives were also taeted, but you say thee were lots moreconsrvative grops put at risk? >> yeah, the inspector general in the report said he did not fi that any progressive groups were attacked. the groups targetedwere grups that had the words "tea party" in them or groups that talked abut government spending. these were the groups they went after. now, who nows, we may see they were going after progressive group but it was very clear they targeted these groups going after something that they were very much about, and that is sting taxpayer dollars and increasing the size of government. gerri: gretchen, good points.

to add salt to the wound, lerner earns $177,000 a year, more than four tes the average american. >> and she's getting a paid vacation. gerri: all bad news. thnkyou. >> thank you. gerri how to keep your home from being hit from summer weather and protect your privacy. did you know schools stor your child's personal information on the cloud just off in cyberspace where anybody, anybodycan get at it. details coming up. details coming up. ♪ there is a pursuit we all s.

a better life for youramily, a beer opportunity for your business, a better legacy to leave the world. we have alwa believed in this rsuit, striving to bring insight to every investment, and tegrity to every plan. we are morgan stanley. and we're ready to work for you. then you'll know how uncomfortable it can be. [ crickets chirping ] but did you know that the lack of saliva n also lead to too decay and bad breath? [ exhales deeply ] [ male announcer ] wellhere is biotene. specially formulated with moisturizers and lubricants, biotene can pride soothing relief and itelps keep your mouth healthy, too. [ applause ] biotene -- for people who suffer from dry mouth.

gerri: schools across the country trying out a new computer program to manage the students. the interpret, that is, cloud data bases, give schools the ability tobring together a whole host of information on kids and not just grades and attendance. the schools say the systems improve education, but some parents say it throws privacy out the now. with us now, seth, what is the information ollecd here many

>> well, they are systems d by companies like in bloom, huge data clouds, descendi on schools to collect a bunch of data about kids. everything from grades and classes to other ptenal and possibly invasive categories like relad medical information, disciplinary information, and it's raising some situations with benefits but also risks. gerri wow. who has access? do vndors have access? when i wasin high scool, anybody coud wader in e 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 controvey here. you've got basically an interaction of two problems bouncing off each 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 otection of personal and heah-related information. however, there's a cloud, a vulnerable potential system where hakers can get in and parents are concernedded that

sponsors come in and try to get a hold of the data as well. it's controversial. gerri: in the health care field, the hipa law does little to protect health care inrmation of syringes, - information, and it's supposed to do that. the laws seem ineffective. >> that's the problem. parents are concerned. they ak,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 number of hearings and situations with various legislatures throughout the united states including activity going on in boton about the issue you've identified. gerri: i want to read a statemenfrom one of the companies that's involve in this. @%is is from in bloom. they say venors have no access to student records unless authorized by a state or district with legal authity over the records. in bloom has no ownership of student records, neither in bloom nor any other agency can

sell or exploit coidential student data. you know, they may not own it, but it passes through their ands; right? >> well, that's right, and they pass t ball over to the school district, a cleverway of saying look to the local school district. they own the pipeline. well, what if they are in a fiscaldifficulty, and then disney wants to say, we'll fund it you let us to have access and hae social media. there's a lot of balances going on rightere between the educational benefit d te proven singles of the kids and their dta. gerri: wow, parents themselves could sign off on that if it mes money for the school district, but other parents are saying, and, ook, seth, i undetand this. you know, kids develop problems sometime and to hve that in your record ll follow you for your entire educational career, and that may be something parents don't want. >> that's right. you have something that's going to go at leastk-12 where it's in the system, but the federal law, and we're notgetting wrapped in the fedral law

caed furpa that guarantees and provides instances where you can't get access to the informion, but now it's in a cloud. we've seen a lot of situations lately about the vulnerability ofhe systems so technology left a ead of federal statutes, and parents are concerne it really is a potential problem. >> you know, 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 educion. 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? >> that's right. that's the dilemma. ultimately, how this is going t blend in is i think you're identifying 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 togeher the benefits and the efficiencies ong with the privacy concerns, and if you blend them together, there's a system that might help to protect children andbring them alonin the educational process. gerri: interesting topic.

i know patients all over the country are listening to every word you say, seth, thanks for coming on. >> my pleasure. gerri: later in the show, more government's getting involvedn business. we'll dissect a new aw requiring -- requiring paid sic time, even small employers. next we swer the questio how do you do that? tips on how to protect your home from the elements ths summer including heat and flooding and all mnner of mayhem like you are seeing right here. we went out and asked people a simple question: how old is the oldest person you'venown? we gave peop a sticker and had them show us. we learned a lot of us have kno someone who's lived well into their 90s. and that's a gre thing. but even though we're living longer, e thing that hasn't changed much is the official retirement age. ♪

to enjoy allf these years. ♪ to enjoy alat od,se years. whatever business you're in, that's the business we're in. with premium service like e of the best on-time delivery records and a low claims ratio, we do whatever it takes to make your business our business od. helping the wod keep promises. for their family. that's why i created the honest company. i was just a concerned mom, wi a crazyream. a wish that there was a company that i could rely on, that did all of the hard work for me. i'm jessica alba, and the honest company was my dream. [ male announcer ] legalzoom has helped a million businesses successfully get started,

including jessica's. launch your dream at legzoom today. call u we're here to help. bjorn earns unlimited rewas for his small siness take theseags to room 12 please. [ garth ] bjors small busiss earns double miles onvery purchase every day. producdelivery. [ bjor] just put it on my spark card. [ garth why settle for less? ahh, oh! [ garth ] great businesses deserve limited reward here's your wake up call. [ male announcer ] get the spark business card from capital one and earn unlimited rewards. choose double miles or 2% cash back every purchase every day. what's in your wallet? [ crows ] now where'the snooze button? gerri: with the country in a heat wave, how to protect your homerom heat and a host of other summer dangers. ♪

♪ gerri: well, weneed to be taking steps year round to keep our kids and home safe, but especially important in the summ. much of the u.s. falling into the grip ofan extreme eat wave, and there's unknown summer dangers lurking, so how do you protect ur home? joining me now, syndicated radio host, author of the boo "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 hear a lot of the old-fashioned tips on keeping yourself cool, but anythingto keep the house cool? >> sure. south sie of the house, blinds drawn all day long whether you are there or not to eep the heat out. heat generating applices, n't use the oven or drier, things like that. keep the airconditioning -- fight thetemptation t drop it down. keep t at steady like 78-80,

and it maintains that keeping the house comfortable dehumidifying making the diffent. gerri: hidity a killer, absolutely. >> it is. gerri: other summer safety tip, and one of the ones that surprised me was the window safety tip issue. we had a couplekids in jesey and a hrrible accident recently. you say windows are a fture a -- feature people don'think about. >> screens, they don't. when we grew up, screens were tough. they were strong. today, the window screens are fabric, ntegral to the window. they are very weak. a lot of prents get a false sense of security thinking the screen kees a kid from coming out. it doesn't. it's like there's nothing there 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 ju a screen in place. with window safety,don't rely on the screen. use child safety bars that can be opened in the event of

emergency but protect kids. don't pt furniture or beds or cribs against windows, and watch fo the blinds, anything with a cord is a hazard. gerri: absolutely. people don' thin about hat. great point with the screens being lightweight, like a piece of fabric. >> they are, exactly what they are. gerri: i want to talk about pools for a second because i have a fiend whose 2-year-old drownedded in te familyly 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 w are going to wander over to the pool and fall in. you have to be careful with this. >> you do. what you do to back yourself up a a parent because nothing is better than your supervision, t create layers of protections. what's that mean? start with a good quality pool fence. i have an example here. yotalked about kids and what they can do. they can climb; ight? this is like a normal chain-linked fence, bu it's not because of the size of the link that is an inch and a quarter a normal lynchis a two by two and get a foot in it, but this is

non-climbable fencing. in addition to he fencing, the latches on the gates have to b 54 # inches off the ground sso they can't reach up, and the doohave ton alarmed the way they work is if they pen the door and leave it open, the alarm alrts, but if you go out, you can disable t for 10-15 seconds while you go out, close the door bhid you giving you layer that the kids have to breakthrough o getto that nger area of the pool. gerri: so many kids get hurt around pools, little kids, and it may not be your kid but a neigor's child. you have to be very, very careful. what otr tips? >> play ground safety is important. the ds are outof school, having 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 much 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, potect the ground surface. gerri: the highr 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 have to be closed. if you have strings, they can be caught on tht and strangulation hazard. gerr thanks for thetips for the summer. appreciate your time. >> you're welcome, stay safe. gerri: temperatures 234 the western u.s. are expected to soar in the next couple of days, and we're talking tripledigit heat. it's not expected to come close to setting records, esecially in that partf the country. tonight's top five, the highest temperatures ever recorded in the u... number knife, almdale, california, record high of 126 egrees recorded on july 8th, 1995. number four, mekka california, a record high of 126 dgrees in

june of 1990. number three, gold roc ranch, alifornia, his town also had record heat of 127 degrees in july of 1995. number wo, lake city, aria, the only noncalifornia town on the list registered 128 degrees in june of 1994. the highest temperature is death valley, of course, caliifornia, it's 1913 record of 134 degrees the hottest teperature ever recorded on earth, and this city can boast the six hottest days on the history of theu.s. with temperatures ranging fom 128- 134. coming up, important tax information for you business travelers out there, and next more and more cities require businessesto offer paid sick leave to employees. is it legal? stay with us. ♪

♪ from our fox business studios in new york, here, again, is gerri willis. ♪ gerri: well, governme red tape is making doing usiness even harder. new york city becoming themost populated place in the states to force employers to provide paid sick time, focing them to do this. should this be legal? joini me, fox news legal analyst les and bill. bill, tell us about the new law in new york. how's it work? >> wel, it's something that's done to help people be more productive at work, and te way it works is that employers with 20 or more employees ill have to prvide five paid six days per year, and thenapproximately a year from now, i believe in april of 14, that will down -o 15 eployees. now, employers th less than 15 employees will not have to provide paid sick leave for five days, but thy 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, it's been uccsful. gerri: well, okay. that's debatable, my friend. >> isn't it something that should be between the employer an employee as they negotiate? the government stepping in telling the employer what they mist do, mandate under the law in new york affects over million people. what the enforeseen cnequences for business is undually burdened by this, and tha means here's the problem, here's the cat, that means they will ct back on other things like vacation time or retirement funds or thing like that because thesmall businesses, the small employers, have not factored in this extra st, and they will be cuttin back on other things, and maybe even,

bill, laying off people or not hiring them because they ar worried about this. gerri: bill, how do you respond to that? >> the response is simple you have to consid that 74% of employers in new york already offer it anyway, okay? they found in those particular instancein a financial impact animal cyst was dne by the cty 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, nd when they are paid t take time off, they gepreventative care and essentially everybody wins. it's a more productive worlace. >> no, i don't disagree ith anything you said, but back a couple paragraphs to what you said. you said 744 new york employs offer, offer, that is what i said, which is they negotiate, employer and employeenegotiate

sick days. that's fine. that's left to the free market to do that, but when th government comes in and says e are going to force you to do this, somethg hat they mabe, you know, the other 26% of the employees don't want to do, that's gng to have a devastating effect. >> but the government forces you pay minimum wage. the government forces you to pay overtime. there's all kiinds of rules, osha regulation -- gerri: one more hing missing in the conversation is it's not just new york city. this is happeng all over the country, and now nancy pelosi says, hey, we need a ederal law to force compnies to pay for sick time, andt'snot just this, but i wan the response to his, yo canchoose -- >> exactly. gerri: this, to me, from my point of view, giving employers less control over their employees. >> absoutely because they have to offer this. they can't notffer 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, i dn't see it asses. >> the point is regulation in the workple is required because when left to their own devices people or employers o not do the right thin, and in the jurisdictions that have it, they have found it to be effective. for example, it's a digression, but the family medical leave act, when thatame 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, o you could trade in your sick ays and get moey fo it, which, to me, is -- that's correct. gerrri: i understand you want sick days, but now this is a negotiating ploy to get money for workers seeming like a gift, frany, to the unions. thseems like a gift. this is to elp organize workers. there's a ethod behind madness, andmayor bloomberg said it was

a badad idea. >> exactly, the mayorments to band drnks and cigarettes and al this, i mean, mayor bloomberg said i don't want it. it's too much a nanny state. gerri: go ahead. >> that's okay. bloomberg was an employer in his own right and obviouy, in that -- well, has bloomrg whatever befo he was mayor, but the point is this is a critical aspect. when people are, you know, incentivized to not get sick, they are paid in this particular context, and workers actually get other oppounities to fill in and makmmo money, like, for example, restaurant workers, ect., benefit if they don'ttake any of the sic time. the point is this has been a successful program, and as i said, just to finish, there's regulation of labor throughout history. thisisno different. >> the economics, if you dont take sic leave, you're paiin that that's an increase in the salary. bottom line increase in the sally, which is fine, but the

employers take that into consideration in hiring more people. gerri: we ld go on an on and on, guys, and, unfortunately, we ve to leave it there. you guys didb. you know, looking atthis from absolutely every angle. thanks for coing on. have a great weekend. you too. >> thank you, you to. gerri: fom employment to the house, in the market for a new home? lien up. mortgage rates sky rocketg. the most in 26 years, no kidding, hitting nearly 4.5%, the hihest rate in two years. now, what that means for yu own the recovery, the consumer education president for credit.com and anthony sanderrings, distinguished real estate finance prossor at george mason university. starting wi jerry because i know you think a lot about consumer issues. how important is this going to be to consumer inances? could it keep somebody out of the housing market? >> it absolutely could keep somebody out of the housing rket because if you think about it higher rates means

higher ayments, and we're in an environment where it's very competitiveand were there's tighter underwriting standaads so if your payment goes up, you may not qualify for that mortgage that you qualified for a monthago. gerri: anthony, is this going to put the brakes on the housing recovery? there's monster rates, will it continue if they rise? >> no. right now, we are seeing what we sometimes see with a mortgage application, the purchases, and when rates go p, people panic, house prices go up, i have to apply for a mortgage right now. are seeing a little that, but the problem is as was said, credit still is tight, freddy and fannie have the hammer down. gerri: good point. people hae beenstruggling througho the rcvery to try to get into the market, to try to get a loan, and it's very hard to do. what do ou tellpople who are trying to position themselves at this very last minute, maybe to buy a firsthome, maybe they are

tight, maybe this really pts the pressure on their finances. whahat do you say to them? >> well, i say there's a couple things. of course your crediit score is important. the ederally mandated free credit report, get that in order. the other thing i say is get preapproved bause what we're seeingin 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 ay have a leg above a buyers because you offer higher prices. make sure you are ready. geri: there prices to escalating again. anthony, the nar said they think the year oer year price gain for the country is something like 10%, and that 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 quckly? >> oh, absolutely. as i told someone else in a class, the fed is kind of lost control of interest rates. we've seen -- still buying 88 billion a month, but, you know, rates are going up, they went up more tod after two days of dline, but the whole point is that, you know, it was a 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 kee telling my staff, and they are all young, and they have never seen rates over ti. they have no idea how lw this level really is. we looked it up today, the averagerae sincee1971 is 8.6%, well, wel, off those levs. what' the per speck sieve should have at this time?ey you have so absolutely right.

4.5% now, and we say that's too high. i don't thinkre going to see interest raaes below 4%, but we're in a very affordable interest rate environment, ad in any parts of the country, not all, there's hot markets there, many parts of the country, affrdability is still there. if you are serious about buying a house,ou know, then it's time to really get your house in order and see what you ca find because it's a good time to buy >> 8.6% coming ny time soon to the market? >> oh, i can't see that really happening. i can see probably another hundred base increase, but that's it. gerri: that's important. >> the economy still stinks. gerri: ha-ha! well, a lot feels false; rght? a l of it feels like it's brought on by ben bernanke and 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 aouse quickly, get in, get out,

because you think rates are gog higher, what are the steps to take to work quickly? >> yeah, well, and let me mention too the national association of realtor said in may of the 45% of all the hoses that sod were on the market less than a month, so we're talking about a very fast press 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 ask for when they ask for it so if they say jum, you jump 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 ispection, for example, and then end up making a big mistake. gerri: we alked aut mortgage rates, and i want to talk about inventory for a second, anthony, one of the constraining factors in the market. there's not a lot of invenry, homes are not on the markee, at's the crystal ball say about inventory? >> good news is inventory's pickingup because, again, people se houe prices going on. fewer people underwater, so

people are able to bring houses to market. banews is tha inveesers and banks sit on millions of properties not diffused int the market yet. gerri: is that an issue for consumers in the marketplace looking? therere's not enough houses to look at? >> i absolutely see that as an issue, and when we'reetalkin about rising interest rates as we just mentioned, talking about the difficulty in geting a mortgage,and all thse homes that still have yet to go on the market 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, anthony, do you want t add anything? go ahead. >> just agreeing, saying that was a great point. gerri: okay. you both made great points. thanks for coming on. have a great weekend. appreciate your time. >> thank you. gerri: we want to know what you think. here's te question tonight. wwll higher mortgage rtes prevent you from buying a home? vote on the right-hand side of the sceen, and i'll share the results at the d of the show.

when we come back, you kw wh? it's fashion friday in june, and we're taking wedding dreses the right ones for the second trip down the aisle. number two, number three. a warning for all your bsiness travelers out there. why you may have to pay extra taxes depending on where you're heed. next. ♪

at od, whatever business you're in, that's the business we're in with premium svice like one of the best on-time delivery records and a low claims ratio, we do whatever it takes to make your business our business. od. helping the world keep promises. and so too is the summer event. now get an incredible offer the powerful c250 sport sedan. but hurry before this opportunity...disappears. the mercedes-benz summer event ends soo

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

at are the important things to remember? with us now is dversified 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 the state you are doing business? are you kidding me? >> well, so, weare dealing with, and this is actually the problem, we are dealing with multiple states, each one ofhe statesith its own taxing authity, and each one of the states wants their shae of the pie. we spopoke about 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 york, like myself, andi go to a state to visit a client and transact siness with the client, it's conceivable that that state says you earned part of your income in our borders and, therefore, you owe s a portion of the revenue that you earned. gerri: wow. ok, now that you explained it, it makes sevens.

i'm not happy about it, but it makes sense. are they strict abut enforci this? >> well, it's really comlicated because, again, we're not dealing with a ingle uniform code, and i've been in the border, and earned icome in tthe border. the ales force and th individual with a territory that's three stages ad you spend ten days in this and that state, they can track that; right? a fortune 500 company tries to do a good job, coding 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 experien myself where there was no idea they were there. >> high rates f taxation?

>> well, this is not a shocker. by reputation only, new york is probably one of the mo 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 retu. of course, 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 in that. gerri: good lanning. >> the problem i trying to figure o n each individual state wheter you should or shouldn't file, whether thee's a leeway period of five days wre 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 ke a credit on my new york state tax return for that so it's nt a tax avoidance problem, but it's just i don't know what the rules of the game are probem. gerri: what i can see having watched the states what they do over the last 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, andif you did it, you did it by accidt, ut states clearlyare lieraly turning over rocks looking for nickels and dimes. what's better than a nonresident earning revenue in your state? go after them and you don't have to worry about getting reelected. they are startg -- think of an athlete in multiple states, a multiple musician who plays in multiple states, a lecturer who goes to give different states to promote their book or seminar, hese people are goingo be targeted, agai the higher net worth, the highee revenue people,they will be targeted. they are more pub figures, targeted, and were's our share of the pie? a multiple states cigs doesn't know -- musician doesn't know about filing of tax retrns so it's for a professional to go over the agenda, the timeline, work history, and figure ut how many

days spent in each state. gerri: crazy. >> crazy. gerri: thank you for telling us 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 thank you. >>hank you, you too. gerri: still to come in-fashion says yes to the second dress with david's bridal. find out wt's hot for walking down the aisle i second time. ♪ there is a pursuit we all share. a better life for your family, a better opportunity for your business, a better legacy to leave the world. we have always believed in this pursuit, striving to bring insight every investment, and integrity to ery plan.

we are morgan stanley. and we're read to work for you. gerri: up next, turning the set into a bridal boutique and what's in fashion for a second time wed

♪ gei: in fashion tonight sayg yes to the dress for the second time. check this out. for many women who are marrying for the second time, or if you are over 40, te options are overwhelming. with the help of david's bridal, celebrity stle expert 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 40, what do you wear? you know who you are, and the women are ooking for simple elegance looking for special necklines or an alternative color, or maybe a lile b more coverage, but they definitely want simple elegance, and ey knoww their personal style. >> pretty, pretty, pretty; right? >> to celebrate who they are. gerri: lking to use your personality; rht? just a little bit? >> exactly. gerri: the first dress with the bow on it, just awesome.

does it flatter everybody or do you have to have an hourglass figure in >> well, yo know, this drss creates that figure. i think this dress woks on a lot of types, and i love it because it's a scoop neck, it's a beautiful dress, under 500 dollar 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 fantasti. dress two. there's a t going on. >> it's a designer gown, you pay more money, but we're talking about a thousand dollars here, but it's got such exquisite design details in right now. the illusion necklin is beautiful, the applications, and there's a lot of rama in the back, too, another huge strend, a streamer back. when you ot the things going op, don't over access rise, but

people want their personal stamp on it. wear a fabulous pair of shoes or a pop of color gerri: never seen colored shoes for anybody other than the bresids. what's going on here? >> it's a treen. more and more brides wear a pop of colo on the feet, and, you know, even if you don't see the shoe, you know that you've got a complete finished ook. you know what? if i had a pai of shoes like this, i'd make sure everyone saw the shoes. gerri: love it. no rulessecond time around or over 40. >> do what you want. rri: this is like great gatsby. >> it is. it's sophisticated, sweet, and body conscious. if you love that movie and he fashion of its era, you love the beads, bling, and drama. it's 299, sowhen you have that price point, you can afford to splurge on vintage accessories to bri the look together. gerri: love the shape. >> love that; right? gerri: very pretty. >> put a hair accesry i and

do a nice elegant, something elegant; right? gerri: all planned out. i'd put it on, and i couldn't. >> you might not wan a vail, but you need somethg in the hair. gerri: good point. >> there you go. gerri: this is he dress i'd wear. >> your style. it's my fvorite. it's sophisticated, absolutely beautiful, and it's go the waist, and, again, david's bridal, $399. gerri: unbelievable. >> i know. it's a huge rend that works beautifully i bridal. gerri: hope it doesn't go away. how do you access rise that? >> it stands 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 earrings. how mh are trends changing? there's usedto be stodgy, yucky dresses for mother of the bride and second time around, maybe you wear a suit; right? >> right, right.

things are different. a lot of people, you know, who are over 40, they lookfabulous, look as good as a bride. they want to show their bodiee off and want to celebte, and, you know, they're fashion forward. ey don't want a mob dress. >> mob, mother of the brid, people, that's what sthees talking about. you have fashions, styles, working with famous people. >> oked with beyonce, absolutely amazing, and peopl like mariah carry, a lot of fun. gerri: what did y learn om that? >> you know, i learned ou can have elebrity style without being a elebrity, 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'rewesome, thanks for comingn. >> thank you so much for having me. gerri:great stuff. we'll be rightack with two cents more and the answer to the question of the day, will higher mortgage rates keep you from buyi a home? stay with us. ♪ we went out and asked people a simple question: how old is the oldest person you've known? we gave people a sticker and had them shous. we learned a lot of us have known someone who's lived well into their0s. and that's a great thing but even though we're living longer, one thing that hasn't changed much is the offial retirement age. ♪ he question is h do you make sure you have the money you need to enjoy all of these years. ♪

it's delicious. so now we've turned her toffee into a business. my goal was to take an idea and make it happen. i'm janet long and i formed my toffee company through legalzoom. never really thought i would make money doing what i love. robert ] we created legalzoom to help people start their business and launch their dreams. go to legalzoom.com toda and make your business dream a realit at legalzoom.com we put the law on your side.

♪ gerri: the federal reserve comments about reducing its stulus 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.co 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 it for tonight on "the willis report." thank you for joining us. do notorget to record the show if you cannot catch us live. have a great weekend a a very good night. ♪

neil: well, who says the white house doesn't talk about stuff that's illeg. that's not so. the president's been talking 5 lot about illegal immigrants and finally making them legal and russia holding edward snowden still saying, well that's illegal, but when it cooes to a certain irs scandal or justice department scandal or a pattern of healthcre department related scandals, not only does the word "illegal" ome up, not a one scandal comes u, not ever. be careful about a president who picks and hooses what he finds illegal. history suggests the real events ultimately deternes what is. welcome, everybody. i'm neil caut and as we end this week, this just see weak, a pivot tha