every weekday from 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 of the irs scandal may be forced to come out and speak. lois lerner refused to answerutf conservative groups declaring she did nothing wrong.. the house oversight committee today ruling she waived the 5th amendment rights and can take her o federal court if she refuses to answwer for er actions. joining me, director for public notice. gretchen, welcome tothe show. great to have you here. did he waive her 5th amendment

rights? >> she did the moment she openedded her mouh and spe 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 ay of the members of conresto ask any questions an ask -- andlet the americaneople know the other side of the story. >> well, congressman agrees with you. here's what he had to say. >> yes, she has a 5th amendment righ o remain silent. she sat there and could ave said nothing. we had a winess this week, who did that? we hd a witness this week who said nothing. she didn't. she made ine separate factual assertions and hada document. if that's not waiver, if that is not express waiver, then surely it's implied waiver, and and if notimpliede 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 to bites of the apple if they come back asking her to testify again. if tey ask her again and she refuses to, she will be held in contempt of court, and that could mean there could be a federal ase here where they could take he and hold her in contempt. gerri: what's amazing to me abouthe story is that no heads have rolled, nobody's lot thir job, lerer is on paid administrative leave. at do you make of that? >> this is an organization, the irs, supposed to be spending our dollars wisely, taking them in, spendingisely. 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 that she abused. what we re creating here is just a culture tha'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 paid a lot of money for. >> yeah. gerri: really embarrassing. people -- irs agents using credit cards, the targeting of conservative goups, of course, and then what was really embarrassing, handing out bonuses right in the middle of the furloughs, and these went to union olks. i hav to tell you, i feel like the irs isout of contol as app agency. what do you think? >> absolutely. this agency doesn't seem to get the message that the american peoplere frustrated with the size and role of government and what they are doing. government spending conties to be a top concern of the american people, and what we see here is the irs does not care for the dollars brought in. it's been making videos about "star rek" for trainiig. it's been spending money on porn, wine, beer, and spending tons of money on near of footballs. i think we have to woner,is this really what we thoughtthat the role of government should be? when we have o there people who are actually in need of help

and there's a fundamental role for governnt toplay, and those dollars arenot going to the fundmental roles, but more anmore 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 sayi progressives were also targeted, but you sayther were lots more conservative groups put at risk? >> yeah, the inspector genera in the report said he did not find that any progressive groups were attacked. thegrou targeted were groups that had the words "tea party" in themor groups that talked about government spending. these were the groups they went after. now, who knows, we may see ty were going after progressive groups, but it was very clear they tareted these groups going after something that they were very much about, and that is wasting taxpayer dolars and increasing t size of government. gerri: gretchen, good pints. to add salt to the wound, lerner

earns $177,000 a year, more than fourimes the average merican. good to see you. >> and she's getting a paid vacation. gerri: all bad news. thank you. >> thank you. erri: how to keep your home from being hit from summer weather and protect your privacy. did you know chools store your chils personal information o the cloud just off in cyberspace where anybody, anybody can get at it. details coming up. ♪

[school bell rings] teacher: good morning, student and welcome to career day! i hope you're excited to hear about all the great things you can do when you grow up! emily: hi, everyone. i'm emily. i'm super excited to introduce my dad because he's my hero. when i was little, my dad was away a lot. but i was okay with that because he was doing this reay important work dring ambulances in ir. now he's home. which is great for me because i get toee him every day now. and he's still the biggest hero i know

because he tel all the ambulances a and the fire engis where to go to rcue people when there's an emergency. i'm so proud of him. he's awesome. he's my dad! [applause] announcer: if ur service-connected disability prevents you from continuing in your civilian career, vocrehab offs counseling, training with a living allowanc education, and other services to help prepare you for your next mission. gerri: schools across the couny tryingut a ne computer programto mana the students. the interpret, that is, cloud data bases, give schools the ability to bring together a whole host of information on kids and not just grades and attendance. thechools ay the systems improve education, but some parents say it throws privacy out the window. with us now, seth, what is the information collected here many >> well, tey are systems led by

companies like in bloom, huge dat clouds, desceing on hools to collect a bunch of data about kids. everything from grades and classes to other pottial and possibly invasive categories like related medcal information, disciplinary information, and it's raising some situations with benefits but also risks. gerri: wow. who has access? do vendors have access? when i was in hi 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 g 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 aws base upon protection of personal and health-related information. however, there's a cloud, a vulnerable potential system where hacker can getn and parents are concerneddedthat

sponso come in and try to get a hold ofthe data as well. it's controversial. gerri: in the health care field, the hipa law does little to protect heth care foation of syringes, -- information, and it's supposed to do that. the laws seem ineffective. >> that's the problem. pants 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 termine they are going to be running the sytem, 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 boston about the very issue you've identified. gerri: i want to read a statement from oe of the companies that's involve in this. @%is is from in bloom. they say vendors have no access to student records unless authorized by a state or district with legal authority over the records. in bloom has no ownership of student records, neither in bloom nor any other agecy can

sell or exploit coidential student da. you know, they may not own it, but it passes through their ands; right? >> well, that's riht, and they pass the ball over to the school district, a cever way of saying look to the local school district. they own the pipeline. ell, what if they are in a fiscal dificulty, and then disney wants to say, we'll fund it if you let us to have access and have social media. there's a lot of balances going on right here between the educational benefit and the proven singles of the kids and their data. ger: wow, parents themselves could sign off on that if it means money r the school district, but other parents are saying, and, look, seth, i understand this. you know, kids develop problems sometimes and to have that in your record will follow you for your entire educational career, and that my be something parents don't wa. >> that's right. you have something that's going to go at least k12 where it's in the system, but the fedel law, and w're not getting wrapped in the federal law

calledfurpa that guarantees and provides instances where you can't get access to the informatio but now it's in a cloud. we've se a lot of siuions latelyabout the vulnerability of the systems so technology left a headof federal statutes, and parents are concerned. it really is a potential problem. >> y 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' education. if you are not participating in at 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 impornt story, the tend of the future. companies come, in data clouds will descend upon schools, andd@ we have to identify this important debate to put together t benefits and the fficiencies along with the privacy concerns, and if you blend them together, there's a stem that might help to protct children and bring them along in the edcational process. gerri: interesting topic. i know patients all over t

country are listening toevery word you say, seth, thanksfor coming on. >> pleasure. gerri: later the show, more government's getting involved in business. we'll dissect a new aw requiring -- requiring pai sick time, even small employers. next w answer he question, how do you do that? tips on how to proct your home from the elements this summer including heat and flooding and all manner of mayhem like you e seeing right he. ♪

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 ourkids andhome safe, but especially important in the summer much of the u.s. falling into the grip of n 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," an, boy, can i relate to that, tom. anks for coming on. >> my pleasure. gerri: you know, this weekend, in death valley, temperatures of 126 degrees. it's crazy. we've eard a lot of the old-fashioned tips on keeping yourself cool, but anything to keep the house cool? >> sure. south sside of the house, blinds drawn all day long hether you are there or not to keep the heat out. heat generating appliances, 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 cofortable dehumidifyingmaking the different. gerri: humidity a killer, absolutely. >> it is. gerri: other summer safety tip, and one o the ones that surprised me was the window safety tip issue. we had a couple kids in jersey and a horrible accent recently. you ay windows are a future a -- feature people don't think about. >> screens, they don't. when we grew up, screens were tough. they were strong. today, the windowscreens are fabric, integral to the window. they ar very weak. a lot of parents get a false sense of security thinking the screen keeps a kidfrom coming out. it doesn't. it'sike there's nothing there at all. you wouldn'tut the bed or dresser or anything or a crib near the open window. that's what you do with 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 put furniture or beds or cribs against windows, and watch for the blinds, anything with a cord is a hazard. gerri: abolutely. people don't think about that. great point with the screens being lightweight, like a piece of fabric. >> they are, exactly what they e. gerri: i want to talk about pools for a second because i ve a frien whose 2-year-old dwnedded in the family pool. >> oh, my god. gerri: people don't think about this, but it's little boys who areat risk because they are the ones who are goingto wander over to the pool 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 bett than your supervision, but create layers of protection 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 likea normal chain-linked fence, but it's not because of the size of the link that is an inch and a quarter, a normal lynch is a two by two and get a fot in it, but this is

non-climbable fencing. in addition to the fencing, the latches on thegates have to be 54 # inches off the ground so they can't reach up, and the doors have ton alarmed. the way thy work is if they open the door and leave it opn, the alarm alerts, but if you go out, you can disable it for 10-15 scoonds while you go out, close the door bhind you giving you layer that the kids have to breakthrough to get to that danger area of the pool. gerri: so many kids get hurt around pools, little kids, and it may not be yur 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 chool, having a great time, and folks arebuilding areas in the backyard. gerri: so popular. spending tons of money on this. >> you spend the most on ground cover. not just mulch, but nie inches of mulch and tea gravel, a thick

base six feet beyond the bse. they will be cushioned if they jump from a swig. tre's rubber, mats, protect the ground surface. gerri: the higher the playgrounds, 12 feet, 20 feet high, that's a long mall for a small child. >> it is. the s-hooks the swingscnnect to, they have to be closed. if you havestrings, they can be caught on that and strangulati hazard. gerri: thanks for the tips for the summer. appreciate your time. >> you're welcome, staysafe. gerri: temperatures 234 the western u.s. are expected to soar in the next cuple of days, and we're talking triple digit heat. it's no xpected to come close to setting records, especialy in that part of th country. tonight's top five, the highest temperatures ever recorded in the u.s.. umber knife, palmdale, california, record high of 126 degrees recorded on july 28th, 1995. number four, mekkah, clifornia, a record highof 126 degrs in

june of 1990. number three, gold rock rach, calornia, this town also had record het of 127 degrees in july of 1995. number wo, lake city, arizona, the ony noncalifornia town on the list registered 128 degrees in jun of 1994. the highest temperature is deth valley, of course, california, it's 1913 record of 134 degrees is the hottest temperature ever recorded on earth, and this cit can bast the six hottest days on thehisto of the u.s. with temperatures ranging fr 128- 134. coming up, important tax infmation for you business travelers outthere, and next more and more cties require businesses to offer paid sick leave to employees. is it egal? stay with us. ♪

emily: hi, everyone. i'm emily. i'm super excited to introduce my dad because he's my hero. when i was little, he was doing this reallimportant work drivg ambulances in iraq. now he'some.nd he's still a hero because he tells the ambulances where to go when there's an emergency. i'm so proud of him. he's awesome. he's my dad! announcer: if your service-connected disability hinders your civilian reer, crehab offers a variety of services to help prepare you for yo next mission.

♪ from our fox business studios in new york, here, again, is gerri willis. ♪ gerri: well, government red tape is making doing businesseven harder. new york city becoming the most populated pla in the states to force employers to provide paid sick time, forcing them to d this. shouldhis be legal? joining me, fox news legal analyst leis and bill. bill, tell us about the new aw in new york. how's it work? >> well,it's something that's done to help people be mor productive at work, and the way it works is that employers with 20 or more employees wil have to provide five paid six days pe year, and then approxitely 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 leave for five days, but they will have to over employees five ays 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 n other jurisdictions where it's offered, it's been ucessful. gerri: well, okay. that's debatable, my friend. >> isn't it something that should be between the employer and employee as they negotiate? the government stepping in telling the employer what they mist do, manate under the law in new york affects over a million people. what te enforeseen consequences for usiness is undually burded by this, and that means here's e problem, here's the catch, that means theywill cut back on other things like acation time or retirement funds or things like that because the small business, the small employers, have not factored in this extra ost, and theyill beutting back on other things, and maybe even,

bill, laying off people or no hiring them because they are worried about this. gerri: bill, how do you respond to that? >> the reponse is smple. you have to consider that 74% of employers in new york already offer it anyway, okay? they found in those particular instances in a fiancial impact animal cyst was done by the ity 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, andwhen they are paid to take time off, they get preventative care and essentially erybody wins. it's a more productive workplace. >> no, i don't disree with anything you said, but back a couple paragraphs to what you said. you said 744 new york employees offer, offer, that is what i said, which is they negotiate, employer d employee negtiate 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 yu to do this, something that theyaybe, you know the other 26 of the employees don't want to do, that's going to have a devastating effect >> but the government forces you to pay minimum wage. the government forces you to pay overtime. there's all kinds of rules, osha, regulation -- gerri: onemoe thing missing in the conversation is it's not just new york city. this ihappening all over the country, and now nancy pelosi says, hey, we need a federal law to force companies to pay for sick time, and it's n just this, but i want the response to ts, you can choose -- >> exactly. gerri: this, to me, from my point view, giving employers less controlover their employees. >> absolutely because they have to offer this. they can't not offer it. by the way, you know, you cited the other states that allowed it, but oher states tried to pass is nd it's disalawed. the dea of a federal law

covering all sttes, i don't see it passes. >> the point is regulation in the workple is required because whe left to their own devices people or employers do not do the right thin, and in the jurisdictions that have it, they have ound it to be effective. for example, iit's a digression, t the family medical leave act, when that came in, they thought it kill businesses, and it's been a totally ccessfu program, people came back to work, work effectively, and not have to worry about them. >> yousaid that before. what i undrstand of the way the law works, so you could trade n your sick days and get moneyfor it, which, to me, is -- >> that's correct. gerri: i understand you want sick days, ut nowhis is a negotiating ploy o get money for workers seeming like a gift, frankly, to the unions. this seems like a gift. this is to help organize workers. there's a method behind madness, and mayor bloomberg said it was a bad idea.

>> exactly, themayorments to band drinks andd cigarettes and all this, i mean, ayor 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 obviously, in that -- well, has bloomberg whatever before he was mayor, but the point is this s a critical aspect. when people are, you know, incentized to not get sick, they arepaid in this particul context, and workers actually get other opportunities 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 histy. this is no different. >> the economics, if yo don't take sick leave, you're paid in that. that's an increase in the sary. bottom line increase in the sally, which is fine, but the

employers take that nto consideration in hiring more people. gerri: we uld go on and on and on, guys and, unfortunately, we have to leave it there. you guys did a great job. you know, looking a this from absolutely eve angle. thanksfor coming on. have a great weekend. >> you too. >> thank you, youtoo. gerri: from employment to the house, in the maet r a new home? listen up. mortgage rates sky rocketing. the most in 26 years, no kidding, hitting nearly 4.5%, the highest rate in wo years. now, wat that means for you wn the recovery, the consumer education president for credit.com and anthony nderrings, distinguished real estate financeprofessor at george mason university. starting with jerry because i know you think a lot about consum issues. how important is this going to be to consumer finances? could it keep somebody out of the housing market? >> it absolutely could keep somebody out of the houing market because if you think about it higher rates means higher payment and we're in an

environment where it's very competitive and where there's tighter underwriting standaads so if your payment goes up, you may not qualify for that mortgage that you qualified for a month ago. gerri: anthony, is this going to put te brkes on the husing recovery? there's monster rates, will it continue if they rise? >> no. right now, we are seing whate sometimessee with amortgage applition, the purchases, and when rates go p, peopl panic, house prices go up, i have to apply for a mortgage right now. we are seeing a litle of that, but the problem is as was said, credit still is tight, freddy and fannie have the hammr 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'svery hard todo. what do you tell people who are trying to posiion themselves at this very last minute, maybe to buy a first home, may they are tight, maybe this really puts

the pressure on their finances. hat do you say to them? >> well, i say there's a couple things. of course your credit score is important. the federally mandated free credit report, get that in order. the other thing i say is get preapproved because what we're seeing in tday's market, is a fair number of cash buyers, investors coming in from overseas or big investment firms ying up propertings. if you are preapproved, you may have a leg above cash buyers because you offer higher prices. make sure you are ready. gerri there prices to escalating again. ntny, the nar said they think the year over 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 quickly? >> oh, absolutely. as i told someon else in a class, the fed is kind of lost control of interest rates. we've seen -- still buying 88 billion amonth, 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 he 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 staf and they are all young, and they have never sen rates over time. they have no idea how lw this level really is. we looked it up today, the average rate sincee1971 is 86%, well, well, off those levs. what's the p 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 thi we're going to see interest raaes below 4%, but we're in very affordable interest rate environment, and in many par of the country, not all, there's hot markets ou there, many parts of the country, affordability is still there. if you are serious about buyin a house, you know, then it's time to really get your house in order and se what you can find because it's a good time to buy. >> 8.6% coming any time soon to e market? >> oh, i can see that really happening. i can se probably another hundred base increase, but that's it. gerri: that's important. >> the economy still stinks. gerri: ha-ha! well, lot feels false; right? a lot of it feels like it's brought on by ben bernanke and the machinations going on with thed fed. aot of ople out there don't trust what they see. if you were one ofthe people who's trying to nail a house quickly, get in, get out, because you think rates are

going higher, what are the steps to take to work quickly? yeah, wellt me mention to the national association of realtors said in may of the 45% of all the houses that sold re on the 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 want to get them every piece of paper they ask forhen they k for it so if they say jump, you jump. be preapproved, credit's in order so that if you do find the house you want, you can move quickly, o course, wisely, you don't want to buy a house where you don't get an inspection, for example, andthen end up making a big mistake. gerri: we talked about mortgage rates, and i want to talk about inventory for a second, anthony, one of the constraining factors in the market. there's not a lot of inventory, homes are not on the markee, what's t crystal ball say about inventory? >> good news is inventory's picking up because, again, people see house prices going on. fewer peole underwater, so

people are able to bring houses to market. bad news is that inveesers and banks sit on millions of properties not diffused into the market yet. gerri: is that an isu for consmers in the marketplace looking? there'so enough houses to look at? >> i bsolutely ee that as an issue, and when we'reetalking about rising interest rates as we just mentioned,talki about the difficulty in getting a mortgage, and all these homes that sill have yet to g on the market thaare in forecsure, preforeclosure, or bak own prorties, we're not out of the woods yet here. rri: a long way to go. oh, anthony, do you wantto 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 ret weekend. appreciate your time. >> thank you. gerri: we want to know what you think. here's the question tonight. wwll higher mortgage rates prevt you from buying a home? vote on the right-hand side of the screen, ad i'll share the results at the end of the show.

wh we come back, you know what? it's fashion riday in june, and wee takingwedding desses the right ones for the secnd trip down the aisle. mber two, number three. a warning for all your business travelers out there. why y may have to payextra taxes depending on where you're headed. next. ♪ @í0x;ñt

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

what are the important things to rememb? with us now is diversified financial consultants. i have never heard this. i was shocked to find out that if ou travel on business, you may have to give your incometo the state you are doing business? aryou kidding m? >> well, so, we are dealing with, and this is actually the problem, we are dealing with multiple tates, each one of the states with its ow taxing authority, and each one of the states wants their sharof e pie. we spoke about the irs and tax code, but that's one uniform tax code. nomatr where you live in the country, the rules are all the same, but today if you're in new york, like myself, and i go to a statto visit 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, therefore, you owe us a portion of the revenue that you earned. gerri: wow. okay, nowhat you explained it, it makes sevens. i'm not happy about it, but it

makes sense. are they strict aboutenforcing this? >> well, it's really complicated because, again, we're not dealing with a single uniform code, and i've beenin the border, and earned income in the border. the sales force and the individual with a territory that's the stages and you spend ten days in this and tha 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 he a clue, and i went through a personal experience myself where there was no idea they were here. >> hig rates of taxaon? >> well, this is not a shocker.

by repution only, n york is probably one of the most difficult states, and if they came into the state one day and worked that one day in the state, in fact, you shou be filing a nonresident tax return. of course, there's states like florida, no tax at all, so you don't haveto worry about it, i come here, there's a large client base, no thought process at all in that. gerri: good planing. >> the pblem is trying to figureut in each individual state whether you should or shouldn't file, whether there's a leeway peiod of five das where if it's less or more, and the oblem is it's a noncompliance because you simply don't know. if i owed taxes to the state of new jersey, i actually take a credit on my new york 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 prblem. 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 becau it's a way to get more revenue. >> that's exactly the problem, gerry. in the past, you kno, it was der the radar, and if you did it, you did it by acident, but states clearly are literally 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 starting -- think of an atete 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, these people are going to be targeted, again, the higher net worth, the higheeevenue people, they will be targeted. they are more publ figures, targeted, and where our share of the pie? a multiple states cigs doesn't know -- musician doesn't know about filing of tax rurns so it's for a professional 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 us about it, and we havethe information, we have to act on it p on the phone: good luck with that, have a great day. gerri: hav a greatweekend, thank you. >> thank you, you too. gerri: still to come in-fashion says yes to the econd dress with david's bridal. find out what's hot for walking down the aisle is second time. ♪

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

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♪ gerri: in fashion tonight saying yes to the dress for the secd time. check this out. for many women who are maring for the second time, or if you are over 0, the options are overwhelming. with the help of david's bridal, celebrity style expert here to show us the must-have bridal looks. i love the sements. ese are not new brides. we know about that. if you gt married for a secnd time or over 40, what do you wear? >> you know who you are, and the women are looking for simple elegance looking for special necklis or an alternative color, or maybe a little bit more coverage, but they definily wantsimple elegance, and ey know their prsonal style. >> pretty, pretty, pretty; right? >> to celebrate who they are. gerri: looking to use your personality; right? just a little bit? >> exactly. gerri: the firt dress with the bow on it, just awesom does it flatter everybody or do

you have to have an hourglass figure in >> well, you know this dress creates that figure. i think this dress works on a lot of typs, and i love it because it's a scoop neck, it's a beautiful dress, under 500 dolls, 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. >> iook those immediately when i came to the set. >> that gives you the kiss of luxury it deserves. gerri: i lie the material and the fabric is fantastic. dress two. there's a lot 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 neckline is beautiful, 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 of shoes or a pop of color gerri: nver seen colored shoes for anybody other than the bridesmaids. what's going on here? >> it's a treen. more and more brides wear a pop of color on the feet, and, you know, even if you don'tse the oe, you know that you've got a complete finished look. you know what? if i h a pair of shoes like this, i'd make sure everyone saw the shoes. gerri: love it. no rules second time ound or ov 4 >> do what t you want. gerri: this is lke great gatsby. >> it is. it's sophisticated, sweet, and body conscious. if you love that movie and the fashion of its erayou love the bead bling, and drama. it's $299, so when you have that pricpoint, you can affordto splue on vintage accessories to bring the look together. gerri: love the shape. >> love that; right? gerri: very rett >> put a hair accessory in and do a nice elgant, 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, absolely beautiful, and it's got the waist, and, agin, david's bridal, $99. gerri: unbelievable. >> i know it's a huge trend that works beautifully in bridal. gerri: hope it doesn'tgo away. how do ou accessrise that? >> it stands alone, but a bride can add their own statement necklace, absolutely fabulous, edgy, taking the gorgeous gown to a completely differentlevel. gerri:i would do earrings. how much are trends changing? there's ed to be stodgy, yucky dresses for mother of the ride and second time around, maybe you wear a suit; right? >> right, right. things are diffent.

a lot of people, you know, who are over 40, they look fabulous, look as good as a bride. they want to sho their boiee off and want to celebrate, and, you know, they're fashion forward. they don't want a mob dress. >> mob, mother of the bride, people, that's what sthees you have fashions, styles, working with famous people. >> i worked wth beyonce, absolutely amazing,and people like mariah carrey, a lot of fun. gerr what did you learn from that? >>ou know, i learned you can have celebrity style without beina celebrity, and that's what i do now sharing with brides and real women everhere. 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 flters your body type and how to access it. gerri: love that. i'll study that report.

you' awesome, thanks for coming on. >> thankou so mu for having me. gerri: great stuff. we'll be right back with two cents more and the answer to the question of the day, will higher mortgage rates keep you from buying a home? stay with us. ♪

when some people struggle with their mortgage payments, they become frozen, petrified. not knowing what to do, they do nothing,

but the people who take action, are far more likely to get the most positive outcome. making home affordable is a free government program. call now to talk one on one with a housing expert about the options that are right for you. real help, real answers right now.

♪ gerri: the federal rerve comments about reducing its stimus 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 rriwillis.com. 45 percent of you said yes, 55 percent said no. interesting split. be sure to log on to gerriwillis.m for our on-line question every weekday. that's it for tonight on "the willis report." thank you for joining us. do not forget to recordhe show if you cannot catch us live. have a great weekend a a very good night. ♪

. tom: it was a busy week is for the supreme court. first, an iue that will impact your pocketbook. obamacare. only republican presidential candidateaid she knew how to dismantle will it. now she is leaving congress. we're going to be talking to michele bhmann right here. >> tom: thanks for joining us. here at the top of the stack, all e republican presidential hopefs promised to get rid of obamacare but only one said she k