right to be furious about. we will keep reeorting on them. that's our show. thank you for watching. ♪ ♪ ger: hello, everybody, i'm gerri willis, right to the top story. the woman at te center ofhe irs scandal may 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 amendment rights and can take her to federal court if she refuses to answer for her actions. joiningme, director for public notice. gretchen, welcome to theshow. 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 members of congress to ask any questions and ask -- and let te american people know the other side of the story. >> well, congressman agrees with you. here's what he had to say. >> yes, she h a 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 this week who said nothing. she didn't. she mad 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 impleded aiver, what is?

gerri: great question. can you take two bites of the applin givig testimony to congress? >> it seems you can, but congress will try to take two bies of the appl 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: wt's amazing to me about the story is that no heads have rolled, nobody's lost thir job, lerner is on paid administrative leave. what do you make of that? >> this is an organization, the irs, supposed to be spending our dollars wisely, taking them in, spending wisely. there's no accountability here. lerner is on administrative leave, and at the same time, she's still getting paid. paid wth those taxpayer dollrs that she abused. what we are creating here is just a culure that's protecting the waste ad abue of power and the waste of taxpayer dollarss gerri: it's not the first

scanda. there's many with the irs. this is just one ofthem. there was a conferencerecently that they paid a lot of money for. >> yeah. gerri: really embarrassing. people -- irs aentsusing credit cards, the targeting of cservative groups, of course, and then what was really embarrassing, anding out bonuses right in the middle of the furloughs, and these went to union folks. i have to tell you, i feel like the irs is out of control as app agency. what do you think? >> absolutely. this agency doesn't seem to t the message that the american people are frustratedith the size and role of government and what they are doing. government spending continues to be a top concern of the american peopleand what we se her is the irs does not care for the dollars brought in. it's been making videos about "star trek" for trainiig. it been spending money on po, wine, beer, and spending tons of money on near of footballs. i thi we have to wonder, is this really wha we thought that the role of government should be? when we have out there eople

who are actually in need oof hep and there's a fundamental role for government to play, and those dollars are not going to the fundmental roles, but more and more irs emmloyees and creating an agency that is trying to continue this waste, continue the abuse of power, and be in chae of what obamacare in the next year. gerri: of course, now, they are saying progressives were also targed, but you say there were lots more coservativgroups put at risk? >> yeah, the nspectoreneral in the rept said he did not find that any progressive grups were attacked. the groups targeted were groups that had the words "tea party" n them or groups that talked about governmt spending. these were the groups they went aft. ,who knows, we may see they were going after progressive groups, but it was very clear they targeted these groups going after something that they were very much about, and that is wasting taxpayer dollars and increasing the size of government. gerri: gretchen, good oints.

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

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gerri: schools across the country trying out a new computer program to manage the students. the interet, 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. the schools say 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, they are systems led by companies like in bloomhuge data clouds, descending on schools to collect a bunch of data about kids. everything from grades and classes to other potential and possib invasive categories like related medical information, disciplinary information, and it's raising some situations with benefits but also risks. gerri: wow. who has access? do vendors have accss? when i was in high school, anybody could wander in the principal's office and rfle through anything in there. it seems to me that this information could go anywhere. >> well, that's really the big controversy here. you've got basically an interaction of two probls bouncing ff each otherment on the legal side, there's a host of privacy related laws. u have privacyrelated laws for protection of educational based information, you have prieflysaws based upon protection of personal and health-related information. however, there's a cloud, a vulnerable potential system where hackers can get in and parents are concernedded that

sponso come in and try to get a hold of the data as well. it's conoversial. gerri: in the health care field, the hipa law does ittle to protect health care information of syringes, -- information, and it's supposed to do that. the laws seem ineffective. >> that's the probm. parents are conerned. ey ask, do we have a say in this? do we have to waive in or out of ? 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 situatio 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 one of the companies that's involve in this. @% is from in bloom. the say vendors have no access to student records unless authorized by a state or district with legal authority over the recrds. in bloom has no ownership of student records, neither in bloom nor any other agency can

sell or exploit confidential student data. you know, they may not own it, but it passes through their ands; right? >> well, that's right, and they pass the ball overo the school strict, a clever way of saying look to the local school district. they own the pipeline. well, at if they are in a iscal dificulty, and then disney wants to say, we'll fund it if you let us to havaccess and have social media. there's a lot of balances going on right here between the educational benefit and the proven singles of the kidsand their data. gerri: wow,parents themselves could sign off on that if it means money for the school district, but other parents are saying, and look, seth, i understand this. you know, kids develop problems sometimes and to have tha in your record will follow you for your entireeducational career, and that may be something parents don't want. >> that's right. you have somethinghat'going to go at least k-12 whee it's in the system, but the federal law, and we're not getting wrapped in the federal law

called furpa that guaraees and provides instances where you can't get access to the information, but now it's in a cloud. we've seen a lot of situations lately about the vulnerability of the systems so technology lt a head of federal statutes, and parents are concerned. 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 or their kids' education. if you are not partipating in what everybody else is doing, that might, you know, put your kid behind somehow. what do you say, seth? >> that's right. that's the dilemma. ultimately, how this is going to blend in is i think you're identifying an important story, the tend of the future. companies come, in ata clouds will decend upon schools, andd@ we have to identify this important debate to put together the benefits and the efficiencies along with the privacy concerns, and if you blend them together, there's a system that might help to protect children and bring them along in the educatial process. gerri: interesting topic.

i know patients all over the country are listening to every word you say, seth, thnks for coming on. >> my pleasure. gerri: later in the show, more governmengettin involved in business. we'll issect a ne aw requiring -- requiring paid sick time, even small employers. next we answer the uestion, how do you do that? ts on how to potect your home from the elements this sumer including heat and flooding and all manner of mayhem like you are seeing righthere. ♪ announcer: where can an investor be a name and t a number? scottrade. ron: i'm never alone with scottrade. i caalways call or stop by my local office. they'rnearby and readyo help. so when i have questions, i can talko someone who knows exactly how i trade. because i don't trade like everybody. i tradlike me.

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nearly 1 in 200 americans suffer with the debilitating pain and constant disruption of inflammatory bowel disease. the toll is th physical and emotional. chances are you knowomeone with ibd. someone like me. i'm amy brenneman d i support the crohn's & colitis foundation of americica. ccfa was created to he those with ibd cope and to find a cure. people with ibd can't wait. won't you help someone you know? 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 takingsteps yearr round o keep our kids and home safe, but especially important in the summer. much of the u.s. falling into the grips of an extreme heat wave, and there's unknown summer dangers lurking, so how do you protect your home? joining me now, syndicated radio host, author of the book "my home, my oney pit," and, boy, can i relate to thattom. thanks for coming on. >> my pleasure. gerri: you know, this weekend, in death valley,temperatures of 126 degrees. 's crazy. we've heard a lot of the old-fashioned tipson keeping yourself cool, but anthing to keep the house cool? >> sure. south side of the house, linds drawn all day long whether you are there or not to keep the heat out. heat generating appliances, don't use the oven ordrier, things like that. keep the air-conditioning -- fight the temptation to dro it down. keep it at steady like 78-80,

and it maintains that keeping the hse comfortable dehumidifying making the different. gerri: humidity 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 couple kids in jersey and a horrible accident recently. you say windows are a future a -- feature people don't think about. >> screens, they don't. when we grew up, screens were tough. they were strong. today, the window screens are fabric, integral to the window. they are very weak. a lot of parents get a false sense of security thinking the sceen keeps a kid from coming out. it doest. 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 just a screen in place. with window safety, don't rely on the screen. use child safety bars that can be openedn the event of

emergency but protect kids. don't put furniture or bed or cribs against windows, and watch for the blinds, anything with a cord is a hazard. gerri: absolutely. people don't think about that. great point with the screen 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 friend whose 2-year-old drownedded in the family pool. >> oh, my god. gerri: people don't think about this, but it's little boys who are at risk because they are the ones who are going to wander over to the pool and 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. what's that mean? start with a good quality pl fence. i have an example here. you talk about kids and what they can do. they can clib; right? this is like a normal chain-linked fence, but it's not because of the size of the link that is an inch an a quarter, a normal lynch is a two by two and get a foot in it, but this is

non-climbable fencing. in addition to the fencing, the latches on the gates have to be 54 # inches off the ground so they can't reach up, and the doors have ton alarmed. the way they work is if they open the door and aveit open, the alarm alerts, but if you go out, you can disable it for 10-15 seconds while you go out, close the door behind you giving you layer that the kidsave to breakthrough to get to that danger area of thepool. rri: so many kids get hurt around pools, little kids, and itmay not be your kid but a neighbor's child. you have to be very, very careful. what other tips? >> play ground safety is importt. 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 spend the most on ground cover. not just mulch, but nine inches of mulch and tea gravel, a thick

base six feet beyond the base. they will be cushioned if they jump from a swing. there's rubber, mats, prote the ground surfac gerri: the higher the playgrounds, 12 feet, 20 fet high, that's a ong small for a small child. >> it is. the s-hooks the swings conne to, they have to be closed. if you hae strings, they can be caught on that and strangulation hazard. gerri: thanks for the tips for the summer. areciatyour 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 talkingtriple digit heat. it's not expected 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 knie, palmdale, california, record high of 126 drees recorded on july 28th, 1995. number four, mekkah, california,

a record high of 126 degrees in june of 1990. number three, gold rock ranch, california, this town also had record heat of 127 degrees in ly of 1995. number wo, lake city, aarizona, the only noncalifornia town on the list registered 128 dgrees in june of 1994. the highest temperature is death valley, of course, california, it's 1913 record of 134 degrees is the hottest temperature ever recorded on earth, and this city can boast the six hottest days on the history of the u.s. with temperatures ranging rom 128- 134. coming up, important tax information for you business ravele out there, and nt more and more cities require businesses to offer paid sick leave to emlees. is it legal? stay with us. ♪ every parent wants the safest d healthiest products

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♪ from our fox business studios in new york, here, again, is gri willis. ♪ gerri: well,government red tape is making doing business even harder. new york city becoming the most populated place in the states to force employers to provide paid si time, forcing them to do this. should this be legal? joining me, fox news legal analyst leis and bill. bill, tell us about the new law in new york. how's it work? >> well, it's something that's done to help people be more productive at work, and the way it works is that employers w wih 20 or more employees wil have to provide five paid six days per year, nd then approximately a year from now, i believe in ail of 14, that will go down -o 15 eployees. now, employers with les than 15 employees will not have to provide paid sick leave for five days, but they will have to over employees five days off without

pay and have them not be real yaleed against in terms of taking time off and coming bak ork, and so so far in other jurisdictions here it's offered, it's been uccessful. gerri: well okay. that's debatable, my riend. >> 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, mandate under the law in new york affects over a million eople. what the enforeseen consequences for business is undually burdened by this, and that means here's the probemhere's te catch, that means they will cut back on other things like vacation time or retirement funds or things like that because the sma busiesses, the smal empoyers, have not factored in this xtra ost, and they will be cutting back on other things, and maybe even,

bill, laying off people or not hiring them because they are worried about this. gerri: bill, how do you respo to that? >> the response is simple. you have to consider that 74% of employers in new york already offer it anyway, okay? they found in those particular instances in a finanal impact animal cyst was done by the city council before the laywas passed, and they -- >> you said over. >> theydo not perform effectively when they a sick, impact other workers, get hurt on the job causing workers' cop costs to go up, and when they are paid to take time off, they get reventative care and essentially everybody wins. it's a more poductive workplace. >> no, i don't disagree with anything you said, but backa couple paragraphs to what you said. you said 744 new york employees offer, offer, that is what i said, which is they negotiate, employer and employee negotie

sick days. that's fine. that's left to the fee market to do that, but when the government comes in and says we are gong 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 effect. >> bu the government forces you to pay minimum wage. the government forces u to pa overtime. there's all kinds of rules, osha, regulation -- gerri: one more thing missing in the conversation is it's not just n york city. this is happening all ovr the country, and now nancy pelosi says, hey, we need a federal law to force companies to pay for sick time, and it's not just this, but i wan the response to this, 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 an't not offer it. by th way, yo know, you cited the other states that allowed it, but other sates tried to pass is and it's disaled. the idea of a fedel law

vering alltates, i don't see it passes. >> the point is regulation in the workplace is equired because hen left to their own devices people or employers do not the right thin, nd in the jurisdictions that have it, they have found it to be effectiv for example, it's a digression, but the family medical leave act, when that came in, they thout it killed businses, and it's been a totally successful program, pele came back to work, work efectively, and not have to wrry about them. >> you said that before. what i understand of the way the law works, so you could trade in your sick days and get money for it, which, me, is -- >> that's correct. gerri: i understand you want sick days, but now this is a negotiating ploy to get money for workers seeming like a gift, frkly, to the unions. this seems likea gift. this is to help organize workers. there's a method behind madness, and mayor bloomberg said it was

a bad idea. >> exactly, the mayorments to band drinks and cigarettes and all 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 obviously, in that -- well, hasbloomberg whatever before he was mayor, but the pointis this is a critical aspect. when people are, you know, incetivized to not get sic, they ae paid in this particular 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 sictime. the point is this has been a successful program, and as i said, just to finish, there's relation of labor throughout history. this is no different. >> theeconomics, if you don't take sick leave, you're paid in that. that's an increase in t the salary. bottom line increase in te sally, which is fine, but the

employers take that into consideration in iring more people. gerri: we couldgo on and on and on, guys, and, ufortately, we have to leave it there. you guys did a great job. you know, looking at this from absolutely every thanks for coming on. have a gret weekend. >> you too. >> thank you, yu too. gerri: from employment to the house, in the market for a new home? listen up. mortgage rates sky rocketing. the most in 26 years, no kidding, hittg nearly 4.5%, the higest rate in two years. now, what tha means for you own the recovery, the consumer education president for credit.com and anthony sanderrings, distingished real estate finance professor at george mason university. starting with jerry because i ow you think a lot about consumer 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 housing market because if you think about it higher rates means

higher payments, and we're in an environment where it's very competitive and where there's tighter underwriting stanads so if your payment goes up, you may not qualify for that mortgage that you qualied for a month ago. gerri: anthony, is this going to put the brak 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 up, peoplepanic, house prices go up, i have to apply for a mortgage right now. we are seeing a little of that, but the problem is as was said, credit still is tight, freddy and fannie have the hammer down. gerri: good point. peop have been struggling throughout the recovery to try to get into he market, to try to get a loan, and it's very hard to do. what do you tell people who are trying to position themselves at this ver last minute, maybe to buy a first home, maybe they are

tight, may this really puts the pressureon their finances. what do you say to them? >> well, i say there's a couple things. of course your credit score is portant. the federally mandatedfree credit report, get that in order. the other thing i say is get preapproved becausewhat we're seeing in today'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 leg above cash buyers because you offer highe prices. make sure you areready. gerri: there prices to escalating again. anthony, the nar said they think the year over year prce gain for the country is something like 10%, and that is a gain that we saw first way back n 1995, a year over yar gain for the whole country.

this dagerous territory that we're in now with housing prices ratcheting up quickly? >> oh, absolutely. as i tld someone else in a class, the fed is kind of lost control of interest rates. we've seen -- still buying 88 illion a month, but, you know, rates are going up, they went up more today after two days of decline, but the whole point is that, you know, it was a buyer bubble. a lot of the cheap money flowed through to wall street,and they are running abuying housing. once it cools off, we could see deflation >> well, i keep telling my staff, and they are all young, and they have never seen rates over time. they have no idea how low this level really is. we looked it up today, the average rate since1971 is 8.6%, well, well, off those levs. what's the per speck sieve people don't have that hey should he at this time? >> you hav so absoluly right.

4.5% now, and we say that's too high. i don't think we're going to see intest raaes belo%, but we're in a very affordable interest rate environment,nd in many parts of the country, not all, there's t markets out there, many parts of the country, affordability is stil there. if you are serious about buying a house, you know, then it's time to really get your house in order and see what you can find because it's a good time to buy. >> 8.6% coming any time soonto the market? >> oh, i can't see that really happening. i can see probably anotr hundred base increase, but that's it. gerri: that's important. >> the economy still stinks. gerri: ha-ha! well, a lotfeels false; rght? a lot of it feels like it' brought on by ben bernanke and the machinations going on with thed fed. a lot of people out tre don't trust what they see. if you were one of the people who's trying t nail a house quickly, get in, get out,

because you think rate are going higher, what are the steps to take to work quickly? >> yeah, well, and let me mention too te natinal association of realtors said in may of the 45% ofall the houses that sold were on the maret less than a month, so we're talking about a very fast process there you want to have a great realtor, of corse, a great loan officer, and you want to get them every piece of paper they ask for when hey ask 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, of course, wisely, you don't want to buy a house where you don't get an inspection, for example, and then end up mking a big mistake. gerri: we talked about mogage rates, and i want 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 markee, what's the crystal ball say about inventory? >> good news is inventory's picking up because, again, peoplesee house prices going on. fewer peopleunderwater, so

people are able to bring houses to market. bad news is that inveesers and banks sit o millions roperties not diffused into the market ye. gerri: is that an issue for consumers in the marketplace looking? there's no enough houses to look at? >> i absolutely see that as an issue, and when we'reetalking about rising interest rates as we just mentioned, talking aout the difficulty in getting a mortgage, and all these homes that still have yet to go on te 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 to add anything? go ahead. >> just greeing, sying that was a great point. gerri: okay. you both made great points. thanks for comingon. have a geat weekend. appreciate your time. >> thank you. gerri: we want to know what you think. here's the question tonight. wwll higher mogage rates prevent you from buying a home? vote on the right-ha side of the screen, and i'll share the

rests at the end of theshow. when we come back, you know what? it's fashion friday in june, and we're taking wedding desses the right ones for the second trip down the aisle. number two,number three. a warning for all your busiess travelers out there. why you may have to pay extra taxes depending on where you're headed. next. ♪ alec, for this mission i upgraded your smart phone. ♪ right. but the most important ature of all is... the capital one purchase eraser. i can redeem the double miles i earned with my venture card to erase recent ravel purchases.

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

what are the iportant things to remember? with us now is diversiied financial consultants. i have never heard this. i was shocked to find out that if you travel business, you may have to give your income to the state you are doing business? are you kidding me? >> well, so, we are dealing with, and this is actually the problem, we are dealing with multiple states, each one of the stat with its own taxing authority, and each one of the states wants their share of the pie. we spoke about the irs and tax code, but that's on uniform tx 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, and i go to a state to visit a client and transacbusiness 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 tt you earned. gerri: wow. okay, now that youexplained it, it makes sevens.

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

>> well, this is not a shocker. by repution ony, new york is probably one of the most difficult states, and if they came into the state on day and worked that one day in the state, in fact, you should be filing a nonresident tax return. of course, there's state like florida, noax 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 inthat. gerri: good planning. >> the problem is trying to figure out in each individual state whether you should or shouldn't file, whether there's a leeway period of five days where if it's less or more, and the problem is it's a noncompliance because you simply don't kno 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 problem. gerri: what i can see aving watched the states what they do over the last couple ars is

they ratchet up compliance efforts on this because it's a way to get more revenue. >> that's exactly the problem, gerry. inhe past, you know, it was der the radar, and if you did it, you did it by accident, but states clearly are lierally turning ov 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 worry about getting reelected. they are starting -- 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, these people are going to be targeted, again, the higher net worth, the highee revenue people, they will be targeted. they are mor public figures, targeted, and where's our share of the pie? a multiple states cigs doesn't know -- musician doesn't know about filing of tax returns 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 have the information, we have tact on it p on the phone: good luck with that, have a great day. gerri: have a great wekend, thanyou. >> thank you, you too. gerri: still to come in-fashion says yes to the second dress with david's bridal. find out what's hot for walking down the aisle is second time. ♪

gerri: up next, turning the set into a bridal boutique and what's in fashion for a second time wed

♪ gerri: 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 you are over 40, the optins are overwhelming. with the help of david's bridal, celebrity style expert here to show us the must-have bid 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 arelooking for simple elegance looking for special necklines or an alternative color, or maybe a little bit more coverage, but they definitely want simple elegance, and they know their personal style. >> pretty, pretty, pret; right? >> to celebrate who theyare. gerri: looking to use your personality; right? 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 fire in >> well, you know, this dress creates th figure. i think this dress works on a lot ofypes, and i love it because it's a scoop neck, it's a beautiful dress, nder 500 dollars, and you can't go wrong with it. it hugs your curves in all the right pces, 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 dserves. gerri: i like 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 desi details in right now. the illusion eckline is beautiful, the applications, and there's a lot of drama 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 prsonal stamp on it. wear a fabulous pair of shoes or a pop of color gerri: never seen colored shoes for anody other than the bridesmas. what's going on here? >> it's atreen. more and more brides 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 know what? if i had a pair of shoes like this, i'd make sure everyone saw the shoes. gerri: love it. no rules second time around or over 40. >> do what you want. gerri: this is like great gatsby. >> it is. it's sophisticated, swee and body conscious. if you love that movie and the fashion fits era, yu ve the beads, bling, and drma. it's $299, so when you have that price pot, you can afford to splurge on vintage accessories to bring te look together. gerri: love the she. >> love that; right? gerri: very pretty. >> put a hai accessory in and

do a nice eleant, something elegant; right? gerri: all planned out. i'd put it on, and i couldn't. >> you might not want a vail, but you need something in the hair. gerri: good point. >> there you go. gerri: this is the dress i'd wear. >> your style. it's my favorite. it's sophisticated, absolutely beautiful, and it's got the waist, and, again, david's bridal, 399. gerri: unbelvable. >> i know. it's a huge rend that works beautifully in bridal. gerri: he it doesn't go away. how do you access rise that? >> it stands alone, but a bride can add their own statement necklace, absoutely fabulous, edgy, taking the gorgeous gown to a completely different level. gerri: i would do earrings. how much ae trends changing? there's used to be stodgy, yucky dresses for mother of the bride and second te around, maybe you wear a suit; right? >> right, riht.

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 celebrate, and, you know, they're fashion forward. they don't want a mob dres. >> mob, mother of the bride, people, that's what sthees talking about. you have fashions, styles, working with famous people. >> i worked with beyonce, solutely amazing, and people like mariah carrey, a lot of fun. gerri: what did you learn from that? >> you know, i learned you can have celebrity style without being a celebrity, and that's what i do now sharing with brides and real women everywhere. gerri: what's the secret of that? being comfortable? is that part of it? >> i think so, but those celebrities have stylists like me burks the secret to looking your best is knowing which silhouette flatters your body type and howto access it. gerri: love that.

i'll study that report. you're awesome, thanks for coming on. >> thank you so much for having me. gerri: great stuff. we'll right back with two cents more and th answer to the estion of the day, willhigher mortgage rates keep you from buying a home? stay with us. ♪ there is a pursuit we all share. a better life for your family, a better opportuni for your biness, a better legacy to leave the world. we have always believed in this pursuit, striving to bring insight to every investment, and integrity to every plan. we are morgan stanley. and we're ready to work for you. summer event is here. now get the unmiakable thrill and the incredib rush of the mercedes-benz you've always wanted. ♪ [ tires sch ] but you better get here fast.

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

goodevening, everybody. thank you for being with us. the fate of the immigration reform bill making its way through ngress may be in the hands now of some of the most conservative members of the republican party. house speaker john boehner sa he will not move on the senate's gang of eight bill until it has the support of the majority of the republicans in the house. and it's unclear whether they will pport it. the republican party's share of the hispanic vote has actually declined. it fell after presiden reagan signed the original amnesty legislation into law in 1