every weekday fm 3:00 to 6:00 eastern time. we'll have another great tv show for you next week. in the meantime, i hope to ♪ gerri: hello, everybody, i'm gerri willis, right to the top story. the woman at the center f the irs scandal may be forced to come out and spek. lois lerner refused to answer question about the targeting of conservative groups declaring she dd nothing wrong. the house oversight coittee today ruling she waived the 5th amendment rights and can take her tofederal court if she reses to answer for her actions. joining me, director for public notice. gretchen, lcome to the show. great to have you here. did she waie her 5th amendment

righ? >> she did the moment she opneddedd 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 members of congress to ask any questions and ask -- and let the american people know the other de of the ory. >> well, congressman agrees with you. here's what he hadto say. >> ye, she hasa 5th amendment 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 thisweek who said nothing. she didn't. she adenine separate factal assertions and had a document. if that's not waiver, if that is t express waiver, then surely it's implied waiver, and andi not implieded waiver, what is

gerri: gret question. can you take two bites of the apple in giving testimony to congss? >> 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 ask her again and she refuses to, she will be held in contempt of court, and that could mean there could be a federal case here where they could take her and hold her in contempt. gerri: what's amazng to m about the storyis that no heads ve rolled, nobody's lost their job, lerner is on paid administrativleave. what do you make of that? >> this is an organization, the irs, supposedto be spending our dollars wisely, taki them in, spending wisely. there's no accountability here. lerner is on aministrative leave, and at the same time, she's still getting paid. paid with those taxpayerdollars that she abused. what w are creating hereis just a culture that's protecting the waste and abuseof power and the waste of taxpayer dollarss gerri: it's not th first

scandal. there's many with the irs. this is just one of them. there was a conference recently that they paid a lo of money for. >> yeah. gerri: really embarrassing. people -- irs agents using credit cards,the targeting of conservative groups, of coue, and then what was really embarrassing, handing out bonuses right in the middle of the furloughs, nd these went o union folks. i haveto tell yu, i feel like the irs is out of control as app agency. what do you think? >> absolutely. is agency oesn't seem to get the message that the american people are frustrated with the sie and role of overnment and what they are doing. government spending 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 "startrek" for trainiig. it's been sending money on porn, wine eer, and spending tons of oney on near of footballs. i think we have to wond, is this really what we thought that the role of governent should be? when we have out there people

who are actually in need of help and there's a fundamental role for government to play, and those dollars are not going to the fundmetal 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 course, now, they are saying progressives were also targeted, but yousay there were lots more conservative gru put at risk? >> yeah, the insptor general in the report said he did not find that any progressie groups were attacked. the groups trgeted were 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 abut, and that is wasting taxpayer dollars and increasing the si of government. gerri: gretchen, good points. to add salt to the wound, lerner

eaearns $177,000 a year, more tn four times the average american. good to see you. >> and she's getting a paid vacation. gerri: al bad news. thank you. thank you. gerri: how to keep your home from being hit from summer weather and rotect your privacy. did you know chools store your child's personal information o the cloud just off in cyberspace where anybody, anybody can get at it. details coming up. ♪ @í0x;ñt

small businesses, i believe... ...help weave people and communities together. i believe in the american dream. score is a non-profit organization where we provide free business consulting services to people who want t start a business or are already ibusiness. i believe e one person can make a difference. i am that person.

i am that person. i am a score mentor. i am a score volunte. what do you believe in? do you have a gift to share? our client success is our success. volunteer your expertise at sre.org. gerri: schools across the country trying out a new computer program t manage the students. the interpret, that is, cloud data bases, give schols the ability to bring togethera whole host of information on kids and not just grades and attendance. the schools say th ssems improve education, but some parents say it throws privacy out the window. with us now, seth, what is the information collected here many

>> well, they are systems led by companies like in boom, huge data clouds, schls to collect a bun of data aut kids. everything from grads and classes to other potential and possibly nvasive categories like relatedmedical nformation, isciplinary information, and it's raising some situations with benefits but also rsks. gerri: wow. who has access? do vedors have access? when i was in high school, anybody could wander in th pncipal's office and rifle through anything in there. it seems to me that this information could go anywere. >> well, that's really the big controversy here. you've got basically an interaction of two problems bouncing off each otherment on the legal side, there's a host of privacy relat laws. you have privacy related laws for protection of educational based information, you have priefly saws based up protection of personal and health-related information. however tre's a cloud, a vulnerable potential system where hackers can get in and parents are concernedded that

sponsors come inand t to get a hold of the data as well. it's controversl. gerri: in the healthare field, the hia law does little to protect health care information of syringes, -- information, 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 hav to waivein or out of it? you could have localbureaucrats in a schoo system once they determine they are going to be runnng the system, the parents have no say. there's a number of hearings a situations wih various leslatures throughout the united states including activity going on i boson about the ry issue you'e identified. gerri: i want to read a statement from on of the companies that's involve in this. @%is is from in bloom. they say vendors have no access to student records unless authored by a state or distrt with legal authority over the records. in bloom has no ownership of student records, neither in bloom nor any other agency can

sell o exploit confidential student data. you know, they may not own it, but it passes through their ands;right? >> well, thhat's right, and they pass the ball over t the school district, a clever way of saying look to the local school district. they own t pipeline. well, what if they are in a fiscal ifficul, andthen disney wants to say, we'lfund it if you let us to have access and have socialmedia. ere's a lot of balances going on right here beeen th educational benefit andthe proven singles of the kids and their data. gerri: wow, parents themselves could sign off n that if it means money for the school district, but other pants are saying, nd, look, seth, i understand this. you know, ids develop problems sometimes and to have that in your record will follow you for your entire educational career, and that may be something parents do't want. >> that's right. you have something that's going too at least k-12 wher it's in the system, but the federal law, and we're not getting wrapped in the federalaw

called furpa that gurantees and ovis instances where you can't get access to the informat but now it's in a cloud. we've seen a lot of situatio lately about the vulnerability of the sytems so technology left a head of federal statutes, and parents are concerned. it really is a potential problem. >> you know, parents feel they should be able to pt out of the systems, and i tend to agree, but th could be in the backseat for their kids' education. if you are not prticipating in what everybody else is doing, that might, you know, put your kid behind somehow. what do you say, set? >> that's ight. that's thedilemma. ultimately, how this is going to blend in is i think you're idenfying an important story, the tend of the future. compan come, in data clouds will decend upon schools, andd@ we have to identify this important debate to put together the benefitsand the efficiencies along with the privacy concerns, and if you blend them together, there's a system that ght help to protect children and bri them alonin the educational process. gerri: interesting topic.

i kow patients all over the country are listening to ever word you say, seth, thanks for coming on. >> my pleasure. gerri: later in the show, more government's getting involved in buness. 'll dissect a nw aw requiring -- requiring paid sick ti, even small employers. next we answer the question, how do you do that? tips on how toprotect youhome from the eements this summer including heat and flooding and all manner of mayhe like you are seeing right here. ♪ my mother made t best toffee in the world. it's delicious. so now we've turned her toffee into a business. my goal was to take an idea and ma 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 galzoom.com day and make your business dream a reality. legalzoom.com we put theaw on your side.

♪ right. but the most important feature of all is... the capital one purchase eraser. can redeem the double miles i earned with my venture card to erase recent travel purchases. d with a few clicks, this mission never happened. uh, what's this butt do? [ electricity zaps ] ♪ youequested backup? yes. yes i did. what in yo wallet? gerri: with the country in a heat wave, how to protect 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 ho safe, but especially important in the summer. much of the u.s. faling into the grips of an extreme heat wave, and there's unknown summer 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, thisweekend, in dea valley, temperatures of 126 degrees. it's crazy. we'vheard a lot of the old-fashioned tips on keeping yourself cool, but anything to ep the house cool? >> sure. south side of the house, blinds drawn all day long whether you are there or not to keep the heat out. heat generating appliances, don't use the oven or drier, things like tat. keep the air-conditioning -- fight he temptati to dro it down. keep it at steady like 78-80,

and it mantains that keping the house cmfortable dehumidifying ing the different. gerri: humidity a killer, absolutely. >> it is. gerri: other summer safety tip, and one of the ones tha surprised me was the window safety tip issue. we had a couple kids in jersey and a horrible accident recently. you say windows are a fute a -- feature people don't think about. >> screens, hey don't. when we grew p, screens were tough. they were strong. today, the wind screens are fabric,integral to the window. they are very weak. a lot of parents get a false sense of security thinking the screen keeps 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 o anythg or a crib near e openwindow. that's what you do with just a screen in place. ith window afety, do't rely on the screen. use child safety bars that can be opened in the event of

emergency but protect kids. don't put furniture orbeds or cribs againwindows nd watch for the blinds, aything with a cord is a hazard. geri: absolutely. people don't think about that. great point with t screens being lightweight, like a piece of fabric. >> they are, exactly what they are. gerri: i want to talk about pools for a secnd because i have a friend whose 2-year-old drownedded in the family pool. >> oh, my god. gerri: people don' think about this, but it's little boys who are at risk ecause they are the ones who are going tto wander over to thepol and fall in. you have to be careful with this. >> you do. what you do to back yourself up as a parent because nothing is better than your supervision, but create layers of protections. at's that mean? start with a good quality pool fence. i have an exale here. you talked about kids and what th can do. they can climb; right? this is like a normal chain-linked fence, but it's not because of theize of the link that is an nch and a quarter, a normal lynch is a two by two and get a foot in it, but this is

non-cmbable fencing. in addition to the fencing, , te latches on the gates have to be 54 iches off the ground so they ca't reach up, nd the doors have ton alarmed. th way they work is if they open the door and leave it open, the alarm alerts, but if you go ou, you an dsable it for 10-15 seconds while youo out, close the door behind you giving you layer that the kids have to brethrough to get to that danger area of the pool. gerri: so many kids get urt around pool, little kids, and it may no be your kid but a neighbor's child. you have to be very, very careful. what other tips? >> play ground safety is important. the kids are out of school, having a great time, and folks are building areas in the backyard. gerri: so popular. spending tons of money on this. >> you send the most onground cover. not just mulch, but nine inches of mulch and tea gravel, a thick

baseix feet beyond the base. they will be cushioned if they jump from a wing. there's rubber, 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 hve to be closed. if you have strings, they can be caught on that and strangulation hazard. gei: thanks for the tips for the summer. areciate your time. >> you're welcome, stay safe. gerri: temperatures 234 the western s. are expectedto soar in the next couple of days, and we're talking tiple diit heat. it's not expecd to come close to setting records, especially in that part of the country. tonight's top five, the highest temperatures ever recorded in the u.s.. number knife, palmdale, california, reco high of 126 egrees recorded on july 28th, 1995. numb four, mekah, california, a record high of 126 degree in

june of 1990. number three, gold rock anch, california, this tow also had record eat of 127 degrees in july of 1995. numr wo, lake city, ariona, the only noncalifornia town on the list registered 128 derees in june of1994. the highest temperature is death valley, of curse, california, it's 1913 record of 134 degrees is the hottest temperature ever recorded on earth, and this city can boast thesix hottest days on the history of the u.s. wh temperatures ranging from 128- 134. coming up, important tax information forou business travelers out there, and next more and more cities require businesses to offer paid sick leave to employees. is it legal? stay with us. ♪

♪ america's service members and veterans are strong.

forged out of bravery, sacrife, and duty. ♪ sometes reaching out for help can be the most challenging and worthwhile mission of all. ♪ when you recognize something isn't right, make the calto the veterans crisis line or military crisis line. dial 1-800-273-8255 and press 1.

♪ from our fox business studs in new york,hee, agai is gerri willis. ♪ gerri: well, government red tape is akingdoing 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 thi 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 helppeople 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 wil go down -o 15 employees. now, employers with less than 15 employees will not have to provide paid sik leave for five days, ut they will ave to over employees five dayys off without

paand 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. gerri: well, okay. that's debatable, my friend. >> isn't it something that should b between the employer and employee as they negotiate? the government stepping in tling t employer what they mist do, mandate underthe law in new york affects over a million people. what the enforeseen consequences for business is undually burdened by this, and that means here's 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 st, nd they will be cutting back on other thigs, and maye even,

bill, laying off eople or not hiring them because they are worried abut this. gerri: bill, how do you respond to that? >> the response is simple. you have to conser that 74% of employers in new york already offer it anyway, okay? they found in those particular instances in a financial impact imal cyst was done by the city council befo the lay was passed, and they -- >>you said over. >> they do not perform fectively when they are sick, impact other workers, get hurt on the jobcausing workers' comp costs to go up, and when they are paid t tak time off, they get preventative care and essentiallyverybody wins. it's a more productive workplace. >> no, i don't disagree with anything you said, but back a couple paragraphs to what you said. you said744 new york employees offer, offer, that iswhat i said, which is they negoiate, mplor and employee negotiate

sick days. that's fine. that's left to the free market to do that, but when the government comes in and says we are going to force you to do this, something that they maybe you know, the other 26% of the employees don't want to do that's going to have a devastating effe. >> but the government forces you to pay minimum wage. the government foces you pay overtime. there's al kinds of rules, osha, regulation -- gei: 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, we need a ederal law to forc compani to pay for sick time, and it's not just this, but i want the response to thi you can choose -- >> exactly. gerri: this, to me, from my point of view, giving employers less control over their employees. >> absolutely because they have to offer this. they can't not offer it. by the way, you know, you cited the other sttes that allowed it, but other states tried to pass is and it's disalawed. the idea of a federal law

covering all states, i don't see it passes. >> the poi is regulation in the workplace is required becau when left to their own devices people or employers do not do the right thin, and in the jurisdictions that have it, they have found it to be effective. for example, isa digression, but the family medical leave act, when that came in, they ought it killed businesses, and it's been a totally successful program, people came back to work, work effectively, and nothave to worry about them. >> you said that before. wha inderstand of the way the 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 nowis is a negotiating ploy to get money for workers seeming lik a gift, frankl to the unions. this seems likea gift. this is to help organize workers. there's a method behind mdness, and mayor bloomberg said it was a bad idea.

>> xactly, the mayorments to band drinks and cigarettes and all this, i mean, mayor bloomberg said i don't want it. is too much a nanny state. gerri: go ahead. >> that's okay. bloomberg was an employer in his own right and obviously, i that -- well, has bloomberg whatever before he was mayor, but the poin is this is a critical aspect. when people are, ou kno incentivized to not get sick, they are paid in this particular context, and wrkers actuay get other opportunities tofill in and make more money, like, for example, restaurant workers, ect., benefit if theydon'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 conmics, if you don't take sick leave, you're paid in that. that's an inease in the salary. bottom line increase in te sally, which is fine, but the

employers take that into consideration in hiringmore people. gerri:e could go on and on and on, guys, and, unfortunately, we have to leave it there. you guy did a great job. you know, ooking at this from absolutely every angle. thas for coming on. have a great weekend. >> you too. >> thank ou, you too. gerri: from employment to the house, in the market fo a new home? lien up. mortgage 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, distinguished real state finance professor at george mason university. starting with jerry because i know you think a lot about consumer issues how important i this going to be to consumer finances? could it keep somebody out of the housing market? >> it absolutely could keep sobo out of the housing market because i you think about it higher rates means higher paymes, and we're in an

environment where it's very competitive and where there's tighter nderwriting standaads so if your payment goes up, you may not qualify for that mortgage that you qualified for a month ago. gerri: anthony, is this going to put the braes on the housing recovery? there's monster rates, will it continue if they rise? >> no. right now, weare seing 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. are seeing a lile of that, but the problem is as was said, credit still is tight, freddy and faie have the hammerown. gerri: good point. people have been strugglng throughout the recovery to try to get into thearket, to try to get a loan, and it's very hard to do. what o you tell peole who are trying to position themselves at this very last minute, maybe to buy a first home, maybe they are

tight, maybe this reay puts the pressure on their finances. what do you say to them? >> well, i say there's a couple things. of course your credit score is importnt. th federally madated free crit report, get that in order. the other thing say is get preapproved because what we're seeingin toay's market, is a fair number of cash buyers, investors coming in from overseas or big investment firms buying up propertyings. if you are preapproved, you may have a legabove cash buyers because you offer higher prices. make se yo are ready. gerri: there prices to calating again. anthony, the na said they think the year over year price gain for the coury is something like 10%, and that s a gain that we saw first way back n 1995, a year overyear gain for the whole cotry.

is this dangerous territory that wee n now with housing prices ratcheting up quickly? >> 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, ras are going up, they went up more today after two days of decline, but th 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, and they are all young, and they have never een rates over time. they have n idea how low this level really is. we looked it up tday, the average rate sincee1971 is 8.6%, well well, off those levs. what's the er speck sieve people don'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' going to see interest raes below 4%, but we're in a very affordable interest rate environment, and in many parts of the couny, not all, there's hot markets out there, many parts of the country, affordability is still there. if you are serious abou buying a house, you know, then it's time to really get our house in order and see wht you can find because it's a good tie to buy. >> 8.6% coming any time soon to the market? >> oh, i can't see that rally happening. i can see prbay another hundred base increase, but that's it. gerri: that's impportant. >> the economy still stinks. gerri: ha-ha! well,a lot feelsfalse; right? a lot of it feels like it's brought on by ben bernanke and the achinationgoi on with thfed. a lot of people out there don't trust what they se. if you were one of the peple who's trying to nail a house ickly, get in, get out,

because you think rates are going higher, what are the steps to take to work quickly? >> yeah, well, and letme mention too the naional association of realtors sad in may of the 45% of all the houses that sold wereon the market less than a month, so we're talking about 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 pper they asfor when tey ask for it so if they s jump, yo jump. be preapproved, credit's in order so thaif you do find the house you want, youcan move ickly, of course, wisely, you don't want to buy a house where you don't gt an inspection, for example, and th endup making a big mistake. gerri: we talked about mortge rates, and iant to talk about ventory for a second, anthony, one of the constraining factors in the market. there's not a lot of inventory, homes are not on the rkee, what's the crystal ball sy about inventory? >> good news is inventory's picking up because, again, people see house prices going on. fewer people underwater, so

people are le to bring houses to market. bad news is that inveeser and banks sit on millions of properties not diffused int the market yet. gerri: is that an issue or consumers in the marketplace looking? there's not enough houses to look at? >> i absolutely ee 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 thattill have yet to go on the market that are inforeclosure, preforeclosure or bank own properties, we're not out of the woods yet here. gerri: a ong way to go. oh, anthony, do you want to add anything? go ahead. >> just agreeing, sying that was a great point. gerri: okay. you both made great points. than for coming on. have a great weekend. appreciate your time. >> thank you. gerri: we want toknow what you think. here's the question tonight. wwll higher mortgage rates prevent you from buying a home? vote on the right-nd side of the screen, and i'll share the results at the en of the show.

when we come back, you know what? it's fashion frid in june, and we're taking wedding dresses the right ones for the second trip down the aisle. number two, number three. a warning fo all your business travelers out there. y you m have to pay extra taxes epending on where you're headed. next. ♪ we went out and asked people a simple questio how olis the oldest pern you've known? we gave people a sticker and had them show us. we learned a lot of us have known someone who's lived wl into their 90s. and that's a great thing but even though we're living longer,

one thing hat hasn't changed much is the official retirement age. ♪ the question is how do you make sure you have the money you need to enjoy all of these years. ♪

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

what are the important thin to remember? with us now is diversified financial onsultas. i have never heard ths. i was shocked to find out that if you travel on business, you may have to give your icome to the state you are doing business? are you kidding me? >> well, so, w are dealing with, and this is actuall the problem, we are dealing with multiple states,ach one of the states wh its own taxing authority,nd each one of the states wants the shre of the pie. spoke about the irs and tax code, but that's oe uniform tax code. no matter where youlive in the country, the rules are all the same, bu tod if you're in new york, like myself, and i go to a state to visi a lient and transact business with the client, it's conceivable that that state says you earned part of your income in our borders and, therefore, you owe us a portion of theevenue that you earned. gerri: wow. okay, now that youexplained it, it makes sevens.

i'm not happy about it, bt it makes sense. are they strict about enorcing this? >> well, is really complicated because, again, we're not dealing with a single uniform code, and i've been in the rder, and earned income in th border. the sales force and the individual with a territory that's three stas and you spend ten days in this and that state, they can tra that; right? a fortune 500 company tries to do a good job, coding the w2 # the employee orra 1099 if you're an outside contractors, but the average individual really doesn't he a clue, and i wentthrough a personal experience myself where there was no idea they wee there. >>high rates o taxation?

>> well, this is not a shcker. by reputation only, new yo is probably one of the most difficult states, and if they ca into the state one day and worked that one day in the state, in fact, you should be filing a nonresident tax return. 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 all in that. gerri: good planning. >> the problem is trying to figure out in each inividual le, whether there'suld or a leeway period of five days where if it's less or more, and the problem is it's a noompliance becse you simply don't know. if i we txes to the state of new jersey, i actually take a credit on my new ork 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 can see having watched the states what they do over the last couple years is they ratchet up compliance

efrts 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 stat clearly are literally turning over rocks looking for ckels and dimes. wh's better th nonresident earng revenue in yourstate? go after them and you don't have to worry about getting reelected. they are starting -- think of a athlete in multiple tates, a multiple musician who plays in multiple states, a lecturer who goes to give different states to promote eir book or semnar, these people are going toe 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 p? a multiple states cigs doesn't know -- musician doesn't know about filing tax returns soit's for a professional to go over the agenda, the timeline, rk history, and figure out howany

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

the most free research rorts, custizable charts, and guaraned 1-second trades. and t center of it all is a surprisingly low price -- just $7.95. fact, fidelity gives you lower trade commissions than schb, td ameritrade, and etrade. i'm monica santiago of fidelity investment and low fees and commissions are another reason serious investors are choosing fidelity. now get 200 free trades when you open an account. gerri: up next, turning the set into a bridal boutique and what's ifashion for a second time wedññgógógógógógó

♪ gerri: in fashion tonight saying 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, the options are overwhelming. wihe help of david's bridal, celebrity style 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 ov 40, what 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 maybe a little bit more coverage, but they definite want simple elegance, and they know their personal style. >> pretty, pretty, pretty; right? >> to celebrate who they are. gerri: looking to use your personality; right? just a little bi >> exactly. gerri: the first ress with the bow on it, just awsome.

does it flatter everybody or do you have to have hourglass figure in >> well, you know, this dress creates that figure. i think this dresworks on a lot of types, and i love it because it's a scoop neck, i's a beautiful dress, under 500 dollars, and you can't go wrng 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. rri: i like the material and the fabric i fantastic. dress two. there's a lot going on. >> it's a designer gown,you pay more mey, but we're taing about a thousand dollars here, but it's got such exquisite design details in right now. the illusion neckine is beautiful, the applications, and the's a lot of drama in the back, too, another huge strend, a streamer back. when you got the things going op, don'tover access rise, but

people want thei personal stamp on it. wear a fabulous pair of shoes or pop of color gerri: neve seen colored shoes for anybody other than the bresmaids. what's goi on here? >> it't's a treen. more and morebrides wear a pop of color on the feet, and, you know, even if you don't see the shoe, you know that you've got a complete finished look. you kn what? if iad a pair of shoes like this, i'd make sure everyone saw the shoes. gerr love it. no rules second time around or over 40. >> do what you want. gerri: this is lke great gatsby. >> it is. it sophisticated, sweet, and body conscious. if you love hat movie and the fashion of its era, you love the beads, bling, and drama. it's $299, so when ou ha that price point, you can afford to splurge on vintage accessories to bring the look together. gerri: love the shape. >> love at; right? gerri: very pey. put a hair cessory in and

do a nice elegant, something elegant; right? gerri: all planned out. i'd put it on, ad i couldn't. >> you might not want vail, but you need something in the hair. gerri: good point. >> there you go. gerri: this i 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. gerri: unbelievable. >> i know. it's a huge trendhat works beautifully in bidal. gerri: hope itdoesn't go away. how do you access rise that? >> it stands alone, but a bride can add thei own statement necklace, absolutely fabulous, edgy, taking the gorgeous gow to a completely different level. gerri: iwould do earrings. how much artrends changing? there's used to be stodgy, yucky dresses for mother of the bride and second time around, maybe yowear a suit; right? >> right, right. things are different.

a loof people, you know, who are over 40, they look fabous, lo as good as a bride. they want to show their bodiee off and want to celebrate, and, you know, they're fashion forward. they don'tant a mob dress. >> mob, mother of the bride, ople, that's what sthees talking about. you have fashions, styles, working with famo people. >> i worked with beyonce, solutely amazing, and people like mariah carrey, a lot of fun. gerri: what did ou learn from that? >> you know, i learned you can have celebrity style without being a celbrity, and that's what i do nowsharing with brides and real women everhere. gerri: what's the secret of that? being comfortable? is that part of it? >> i think so, butthose celebrities have stylists like me burks the secret to looking your best is knowing which silhouette flatts your body type and how to access it. gerri: love that.

i'll study tat report. you're awesome, thanks for coming on. >> thank you so much for having me. gerri: great stuff. we'll be right back wth two cents more and theanswer to the question othe day, will higher rtgage rates keep you from buying a home? stay with us. ♪ the boys used double miles from their capitalne venture card to fly home for the big famy reunion. you must be garth's father?hel. mother. mother! traveling is easy with the venture card beuse you can fly airline anytime. two words. double miles! this guy can act. wanna play dge rock? oh, you guys! a with double miles you can actuay use, you never miss the fun. beard growing conte and go! ♪ win! what's in your wallet?

otherworldly things. but there e some things i've never seen before. this ge jet engine can understand 5,000 data samples per second. which is good for business. because planes use less fuel, snd less time on the ound and more time in the air. suddenly, faraway places don't seem so...far away. ♪

for their family. that's why i created the honest company. i was just a concerned mom, wi a crazy dream. a wish that ere was a company that i could rely on, that did all othe hard work for me. i'm jessica alba, and the honest company wa my dream. [ male annncer ] legalzoom has lped a millionusinesses successfully get staed, includinjessica's. launch your dream at legalzoom today. call us. we're here to help. tn you'll know how uncomfortable it can be. [ crickets chirping ] but did you know that the lack of saliva can also lead to tooth decay and bad breath? [ exhales deeply ] [ male annocer ] well there is biotene. speciallformulated with moisturizers and lubricants, biotene can provide soothing relief and it helps keep your mouth healthy, too. [ applause ] biotene -- for peop who suffer from dryouth.

♪ gerri: the federal reserve comments about reducing its stimus purchases are already in passing borrowers. average rates on fixed mortgages surging to their highe level in two years. so well this keep you from ying a home? we ask the question on gerriwillis.com. 45 percent ofou said yes, 55 percentaid no. interesting split. be sure tlog on to gerriwillis.com for o on-line question every weekday. that's it for tonight on "the willis rort." thank you for joining us. do not forget to record the sw if you cannot catch us live. have a great weekend and a very good night. ♪

♪ >> children. >> you save. john: in 1984 has come to america. >> this big brother has done a lot greedr than georgerwell thought it wou never get. when you call grandma in nebraska the nsa knows. john: the president says you have notng to worry about. >> nobody is listening to your telephone calls. john: government officials do like. >> does the nsa collect any te of data at all? >> no. john: my fellowibertarians are mad me. they say, i am not angry enough. >> you know, i don't think this is john stossel. i think it is an impostor. john: i'm angrier than she is. >> i don't mind. 's not like it will be on tmz.