charles: they have to be made. no doubt about it. charles: it's important, i will empower you tomorrow night tracy: tonight on "the willis report," there is a new plan to save the post office. nomar door-to-door delivery for il and it could save billions. also, the latest technology for cars, they talk to each other. should the government make this requiremen you better check out this number, we will tell you which one coming up tonight on "the willis report" reedi."

we will get to all that later, but first to the top story, federal program created to rescue struggling homeowners i failing at an alarming rate. according to the new government watchdog report the home affordable modification program is s seeing half of the modified mortgages re-defaulting. with more on this, i'm not sure why anyby is surprised by this this. if you were defaulting the first time, the odds are good because of the economy, he did not x up stuff to get it right. >> for most of these famils the number one problem is the job loss. they are not structured to deal with that, they did things le lower the interest rates and given the level of interest rates in the economy, they were going down anyhow. it is interesting the first

inspector general for tarp, said something that's tim geithner told him these programs were meant to be foam on the ruay for the bas. that has been the attitude. it is meant to help them work through more than the homeowners. tracy: the banks are doing dandy, the homeowner on the other side not so much. this is supposed to help 4 llion borrowers? 46% are defaulting, what happens going forward? should they scrap this thing? speak it has done more hrm than good. >> this and a lot of oth modificati programs really created a large shadow of inventory over the market. i think it has been cruel to the families. they are not adjusting th addreb

loss. keeping them in a little bit of a limbo. we should be helping people move on through an unsustainable situation, not continue to extend the unsustainable situation. tracy: to default twice on your credit report cerinly will not help you get a job down the road. >> you ha had these fees tacked on, the household has more debt at the end of the process than they do going into it. some of this the banks did not want to recognize losses. we provided all of the subsidies and the shocking thing is most of the actual payments went th lenders, so we have the taxpay covering the losses that they would take at some poin anyhow. tracy:s this strictly political? >> it is absolutely political. i don't think anybody believes the program has been an astounding success and nobody believes it has propped up the housing market. but washington has to look lik it is doing something.

coming under criticism forot doing enough about the housing market, i think an easy thing is to expand this for a couple of years and it has to run until 2015 and we hope we're out of the recession by that and hope the housing market is on stronger footing. tracy: you make a good point, it has done nothing b delay the recovery, so they have done more harm than good. i know there are so many people that would love to see the government take a steputf the housinmarket altogeer. will we see that anytime soon? speak out quite frankly i don't think that we will see that. if you watch the direction, there was a bill marked up in the house finally finishing this morning where all the democrats voted against it that would have ended fannie and freddie. you have seen washington look at this gravy train and not want to stop it. there's a lot of interest that profit off of this.

have to keep trying. tracy: that is a political nightmare, unwind that thing and you are doing political suicide. you have to believe somebody is willing to go out and say let's do this, if you don't want to reelecte, don't reelect me. >> the fact the house financia services is willing to p forward a bill that gets ridf fannie and freddie is a command tremendous amount of political courage in my mind. he was able to keep republicans largy together on that. i ha very little expectations the senate will try to get rid of fannie and freddie and do anything other than change the name on the door. we still want to keepp the taxpayer on the hook. we have screwed up the housing mark. tracy: that has to be the last word because that is absolutely what it did. a new plan to fix the post office to go from one mess to

another. being spearheaded by the chairman of the house oversight committee. somef the proposals are suppted by management, but the unions wanant none of it. can the post office stop bleeding red ink or will it need a taxpayer bailout? the policy director of blic tice is with us now. the numbers are staggering, d we even need the post office at all at this point? >> i thi the post office does play a vital role, but the finances are in awfu shape. they had to do something to address this. th did not get far trying to cancel saturday delivery. more to have cluster boxes, so the mail can be delivered to every house, in a core location in the neighborhood. they need a look at ways to get their finances under control. tracy: $16 billion last yr,

and to your point about this no door-to-door devery, but it at the end of the street and that would save $4 billion. why not? >> it iso hard to make changes, that is unfortunate. they should go a lot further. they should look at companies like outbox thatscans a digital copy. imagine how much money they could save if they only gave you what you really needed like a -@hardcopy magazine and other things you can read on your ipad. unfortunately the government is not so fast at innovating. tracy: i did not need a victoria's secret catalog four times per week because that is probably how many i get. the no door-to-door thing i'm kind of over that. the pension benefit overhaul is alwayshe stickiest point. how do they get through that?

>> to have to have an honest conversation with each other, we have two admit their finances are chatable and cannot continue on with the generous pension benefits. th have to reach an agreement to have the postal service on the same type of retirement like 401(k) and these guaranteed benefit plans. >> the unions will fight this tooth and nail, probably will have saturdayail for a long time because of it and then it es complety bust, right? >> we are headed on that tack. not too long ago theenate passeded a bill to reform the pt office, i still have hope it will do something but they continue on down this path i think they will go bust and have serious reforms or look to th government for a bailout, at is an awful presidents.

tracy: they said the bill would be devastating, have a devastating effect on the postal service. honestly, devastating? speak i think that is a bit of a push. we don't necessarily need all of these postmen going door to door. can we be doing something in the economy more effectively perhaps maore money? that is what they should be doing. >> one of the more important rts is it prevents a taxpayer bailout. it is high time we have something like this put in a reform act. but again, we bail people out, we bail things out, it probably will not be the one that we don't. >> they can put that in a bill now and congress down the road does not have to follow that. not bailing out the postal service will be a start.

tracy: thank you so much for taking the time to be with us. no one needs the victoria's secret catalogs. still to come, how you can save moy the next time you rent a car. the federal government wants to tell you and the automaker what you should be doing insideour car, but is this talking technology all it is craed up to be? weill be right back. (horn, ding, ding)

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and you offer savings to switch. it's unbelievable! if you're 50 or over call now to quest your free quote. i'm gonna call. i'm caing. i'm calling. i'm calling. call today and make the switch to the aarp auto insurance program from the hartford. why wait? tracy: if you own a newer car, it might be tracking you. american automakers have been putting data recorders known as black boxes in cars since the mid-90s now most new cars have them. the federal government wants on the passenger vehicles to detain these black boxes and technology. to break it down for a scotty's

negative editor at cars.com. it sounds really freaky. where is this black box? >> the blackox is typically encased in the floor panel, under the drivers seat and that is a place it is unlikely to be damaged in a collision or even a fighter. it is practically impossible to tamper with as well. tracy: i asked earlier that knows if i am texting and driving. what does it track? >> all they do is record the few seconds, limited amount of data, the few seconds before and during a collision that triggers an airbag it is not on or working all the time. thairbag goes off, it will record with the speed was, whether or not you were on the brakes. the side airbags fire, when did that happen?

parthia diagnostics tool that automakers use to determine if the systems are working well and if they are timed properly. tracy: a lot of people will recall the toyota unintended acceleration consequences. many have laws governing these. it seems like you should hav it and we should know what happens. >> i tend to agree with you, it is like if you have an accident intersecon or something like that, if there are eyewitness if you are not responsible, you might want a camera on the intersection or something, i kind of feel like if we were able to access the data it would be much easier to determine who was looking at their phone and didn't step on the break and run into someone even though we claim was standing on the break, whatever. it typically is not available, these are proprietary systems.

it would be nice to get the data whenever you want. in some states it is spelled out, but her teabag. it can be in discovery by some states. if there is a suit or a court order. but it is kind of all over the map. tracy: the point is to have access to the information in it, right? to your point, you shouldn't have any privacy in an accident. >> i'm going tagree with you. if your car were involved in an accident and he came to a screeching halt there would be tire tracks, right? now there is antilock brakes so they can't do that. maybe the modern thing. it is not just who owns the data. establish who is at fault in is situation.

who can access it, how regularly is it done, it is not collected as a matter of course. tracy: remember my cousin vinny? all right, talk about these cars talking to each other and this whole wi-fi thing. i can see how that would become a privacy thing. >> it could be most cases the car to car commucation is just shortwave reless stuff so one vehicle knows there's another vehicle coming toward intersection proximity. they have proposed it and it should be looked into but honestly a lot of areas where there could be spying going on and it doesn't really happen best we know. >> if you can tracthe speed and everything i do, a lot of talking about a mileage tax.

i drive a lot, it makes sense to me even though i would notant to pay it. i should pay for the wear and tear on the roads. do you think that is the next step? >> it is part of the gas tax and that doesn't really track if you were to driva gas guzzler yo drive more than you have to. you can make a gps device tha tracks how far you go, does not have to track where you have been and reported to anyone. the gps map in your car is now does not keep any records. i would be more concerned about the fact even today when you go from one tollbooth to another with electronic tolling. the consented to get in the mail but so far they don't. tracy: that is how they do it.

they'lall right, to matter whatf technology cars have, chances are many by the same brand of car time afr te whether it is loyalty or laziness. who knows. a list of the five car bras with the most loyal drivers. tonight's top five chevrolet, this brand has the highest customer loyalty of any american car brand mostly thanks to the trucks. number four is toyota. they keep buying from this japanese automaker. number three, bmw. while thatompany has more customers, bmw has more returning ones because of the service. number two, honda. they keep coming back for honda. a popular brand for families. i drove one for a bunch of years. the number one car brandnd with

the more loyal customers is lexus generating 58% of sales from tradeeins from repeat customers mainly because of the great reputation luxury brand has developed over the years. i liked my odyssey back in the day. later in the show find out what lou dobbs has to say about the presidts big economy speech today. and we answer the question, how do you do that? money-saving tips on renting your next car. you are going to want to hear this, don't go away. with the spark miles card from capital one, bjorearns unlimited rewas for his small business take theseags to room 12 please. [ garth ] bjors small busiss earns doub miles on every purchase every day. produce delivery. [ bjorn ] just put it on my spark card. [ garth why settle for less?

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to mobile apps, small business solutions from at&t have the security you need to get you there. call us. we can sw you how at&t solutions can help you do what you do... even better. ♪ tracy: wants to rent a car without breaking the bank? details from kelly blue book.

tracy: you need to rent a car while yours is in for a quick fix but you don't want to put your wallet in a fix? here to explain, alex. something i never knew, if your r is being fixed, you should tell the rental agency and they will cut you a deal? >> yeah, often times you can save five to 10% just by letting them know your car is being worked on are getting serviced. reach out to your dealer before going to the agency and let them know if you get the car ed up a couple of days, what can you do to help mout with the rental and often times the dealer may help you out. tracy: is at the same as if my car is being serviced? >> you can get it done what it

is being serviced but you will find the dealer is not so willing to pony up for a rental car if you're just getting your car serviced for an oilhange or something. if it is a recall, i would say you're likely going to have a better chance of the dealer helping you. tracy: many get off the plane and go right to the dealer. should you do that? >> if you like paying excessive fees and a premium, yes, do it at the airport. otherwise really recommend plan your trip out well in advance the way you would book your airline tickets. if you can put that out and reserve something two weeks or a month advance, what works better as avoiding theirport altogether and find a rental car agency a few miles down the road, catch a cab, go outside the airport and you often get far better rates. tracy: should you get the insurance?

i never know the answer to this. >> it sounds like a no-brainer you should definitely get the insurance but before you sign the dotted line its pretty pricey. 15 to $20 per day on your rental agreement and what most folks don't understand is often times if you check with your own insurance provider if it is allstate or whoever, often they will cover you for a rental car. check with your credit card provider, sometimes they will cover you in terms of insurance for your rental car as well. tracy: what about all of these hidden fees? how can i decipher through them? >> it is going to beough. dig around online to find out what you should be paying for. what you will find out is even if you only are down a quarter a tank they will charge you

two or three times what it would cost to chge th fill a fl tank . make sure you don't get hit with a really heavy fee. tracy: do i have to clean it? i have kids. if there is popcorn all over the place, do i get dinged? >> it might get you a couple of dollars to get it clead up. wh we recommend while it is something to watch out for, obviously if you get into an accident there isn't a lot you can do about it, but if there are me you notice take some pictures before document anything you see wrong with the cars you can rest assured when you return it they don't notice it on the fender or the door and say it was something you did. that is one you want to watch out for. tracy: if you have aaa or any of

those discounts that may apply. thank you so mh. senior analyst for kel blue book.com. i'm glad i know the answer to the insurance thing now. full spe aad in the mtor city as the judge weighs in on bankruptcy. and president obama claiming to pivot back the economy and jobs today. was it more of just the same? a big reaction on that after the break. n't go anywhere. the pursuit of a better tomorrow is something we all share. but who can lp you find your own path? who can build you a plan, not just a pie chart? who can helpeep your investments on course, whatever lies ahead?

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tracy: welcome back. the fight in motor city continues u.s. poughkeepsie judge suspending litigation

challenging that they could see petitioned. what is next? liz macdonald has been all over this. >> to be with you lawyers for the city came out victorious today to get u.s. bigger see judge to set aside all lawsuits that will block the bid grips the petition which could now be the biggest in u.s. history. of course, they had worked arguedhat it was violating the michigan state constitution so that it could cut benefits to save the city effaces $80 billion of debt which includes nine-point to billion dollars of city pension and health benefits now those guaranteed worker payouts will go away we the retirees in the same pool as numerous other creditors but today's hearing tripp -- attracted

to get intert the people lining up to gain entrance as city firefighters protested outside. it was once the largest fourth largest city the population has shrunk almost two-thirds and has been depending on borrowing to stay afloat. ck to you. tracy: this case will set precedents. will continue to watch it. obamacare was in illinois returning to the college campus where he gave his first major economic address as u.s. senator. he pledged a stronger second term commitment to tackle the economy and fix the middle-class aid he made sure to point the finger of blame at congress. >> that is what we have been fighting for. with the endless parade of distractions there political posturing and a phony scandal washington has taken

its eye off the ball. i am here to say this needs to stop. this does not require short-term thinking or the sameold debate. our focus has to be on the basic economic issues that matter most to you, the people we represent but if we don't have a growing or driving middle-class then we don't have the resources to solve a lot of these problems. we want to have the resolve resolve, the optimism, the sense of unity we need to solve the other issues. in this effort i will work with republicans as well as democrats and i sincerely belie there are members of both parties to understand what is at stake for rival wellcome ideas om anybody across the plitical

spectr. but i willot allow gridlock or inaction or willful in difference to get in our way. this growing inequality of opportunity is not just morally wrong but bad economics. when middle-class families have less to spend, guess what? businesses have fewer consumers and one wealth concentrates at the top it can't inflate the bubbles that threaten the economy when the ladder of opportunity close farther apart it undermines the very essence of america. tracy:republicans pain and the satin. >> back to the economy saying it is more empty promises. and house speaker says it is the straight with no candy. here is what lew dawson had

to say after the first of his two speeches. >> for a man for who is now in his second term talking about things that would have spent of matter of daily business at the white house to restoring prospery in creating jobs. he is s putting a lot of energy into trng to insure americans can be average and that is not saying much for his goals. i cannot get over this analysis of the economy is a simple case according to the president of the rich taking away from thpork or from the middle-class. believe me there is a heckuva lot more to economic growth and this particular approach used by the president. >> it is extraordinary to me this president is taking on the republican party in the speech that is supposed to be operational --

inspirational and behaving as if the republicans have done something unprecedented , and to hold a house of government, the house of representatives in this case, that has been the case for every second term president since president eisenhower but he finds it unique and a downright aggravating. >> you heard a lot of frustration from the president that his vision has not been brought to bear a and the obama and onyx has not been embraced in a broader sense and is frustrated with washington and once more domestic spending. lou: does this play to his base? in terms of economic policy in taunt -- in terms of social policy there was nothing new here. >> correct. be clear this was the

beginning of campaign 2014. he has said of the contrast for what the election will be fought on and his vision of fairness versus the republican party that is divided there nothing about free markets are growth or specific policies to help for people the bottom line it is a campaign speech. the market is trending down because nothing new or nothing to give solace at least he did notpropose explicitly raising the marginal rates were increasing capital gains or dividend taxes 51 how to the republicans respond? >> with raspberries and they move god. , the president can call it a with because we did not talk about the irs everything else that is nagging at them so they can call that a win. tracy: they also want 2.0

the president's attempt to refocus the economy has good news of the unemployment te falling slowly with consumer confidence slowly on the rise. but that could be happening in spite of the president's policy is not because of them. how your credit score impacts your love life and apple has one of its best days yet but not all smooth iling. looking out for you when your money. next. in today's markets, a lot can happen in a second. with fidelity's guaranteed one-second trade execution, we route your order to up to 75 market centers to look for the best possible price -- maybe even better thanou expected. 's all part of our goal to execute your trade in one second.

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tracy: caterpill dragging down the markets today the world's largest construction

equipment company is a falling 40% and warned of slower revenue and profit and sipped off the record high it hit yesterday. also raising the offer by $0.10 per share by the computer maker until hopes this will attract support for his plan to take the company private. shareholders will vote on the original $13.65 per offer today. also global offers a sleeker version of its nexis device with a higher price of 16 gigabytes of storage selling at $229 that is a $30 increase from the one at least one year ago. boeing says it has finished repaid customers those ever grounded but they refuse to say how much was spent but 50 were grounded over four months with the problems of the batteries. those of all stories on fox

business.com. apple. one of the bright spots of the market today having one of its best days after beating estimates of revenues of 5% jump may have been the result of a promise of new products this fall can make a comeback? let's ask gary called baum doou think this will ever see that again? >> the only good news is that it looks like a good support level. they already do $150 billion of revenue and if they don't come up with sething great going forward of a new product to improve what they have i think it will be a spot that waffles but in a may trade data 11 times earnings but the number is not good at all.

>> no product in three years? had to do that it is four quters of revenue they it is also sales were flat so you do not come with something new you are in trouble the pat was very disappointing 14% drop to get inventory was still 3 percent drop that is not good news. tracy: they said 10 million iphones consider that everybody is waiting for the new five phone i am surprisedhey're stil buying it so that must be a positive. >> that is good news they are still selling a product but stock prices go up for a simple reason that is just gone i have no interest i

could go higher from here but i am worried they're makingmises i wish they would say what they are about to do because they don't come out with something in the fall than the market gets disappointed and it will go lower. tracy: we saw that with expectations will they come out with the apple tv to set to start going again? >> ion't think it will be on fire like it has en but i do believe they could go higher >> i think it is time t stop invoking steve jobs he keeps saying he is not steve jobs or would be different if he was alive. is that killing the stock? >> steve jobs is an icon

there is note doubt there is a discount because he did pass away but the markets are about fundamentals biopsychology and who was running the company company, management. i think he came in at the peak of a cycle but he is not steve jobs. he w a master innovator and who knows what they're missing because of him. tracy: we are talking about my kids investing the stock before his memory goes the way. you are terrific. thank you still to come we have another reason why you need to worry about your credit score ♪

[ viain ] well mr. baldwin... it aears our jouey has come to a delightful end. then i better use the capital one purchase eraser to redeem my venture miles for this trip. purchase eraser? it's the easy way to erase any recent travel expense. i just pick a charge, like my flight with a few taps, it's taken care of. impressive baldwin. does it work for hotels? absolutely thank goodness. mrs. villain and i are planning our... you scare me. and i like it. let's go what's in your wallet?

>> only one number counts when it comes to your

tracy: a new number to consider in your personal relationship, your credit score. according to a new survey bad credit is a deal eaker to look for a mate. love no longer comes first but let me check your credit more women are assessed with the numbers they an end. >> i thought you just had to have good abs. >> said guerrillas used to

say how many girls were u.s. before me? [laughter] why do we ca? >> a think men and women are looking for the same thin in a different way. men don't want to a dependent with no financial independence and a woman wants of guy to take care of her ifhat has to happen. if nobody has credit it is a bad situation you can bring your mates down because when you are married you do join things if you cannot buy a home who doesn't want to live in a home because yr mate has bad credit? tracy: the you can have bad credit i you pay cash. >> you have that much cash? >> give my ex-husband ask my cred scores he would run for the hills and save as many with the divorcees. >> i would not even ask your credit score i would pay everywhere we went to. [laughter] tracy: i have a good job.

it is better. >> i am a matchmaker win in our my clients would to find out exactly what they wanted in the man i pull 2500 with massed in the four most important things and a number one was financial. >> that is so 1940's. >> i don't think we'll ever get over that women ultimately want to know they can be taken care of. they all want it to happen to know that he is there for that. tracy: the 57% said men it ismportant is that because we over analyze everything? many is succ a big thing even to the point that some women will payt is all about cash. where did the love go? if money is such the driving

force, i was at a bar we were talking how can i look better? attracting younger girls in this very distinguished old man walked up to say he's alive the best they imagined it is called dollar bills the women will come. it is a little chauvinistic but is it true. tracy: it is amazing we care so much you work in new york and women are successful but it still comes down to this. >> that is to force? >> fidelity is first cause of divorce andany problems are second in. you are dead on but how important is money? does this surpass love? we really not go outith somebody because they don't have the wallet? tracy: i say n no and the world to be a better place. you are great.

>> i agree. tracy: here is the question would you dates or marry somebody with bad credit? we will share the results after the break. people are shaking there head what is going on? ♪ ♪ ♪ ♪ [ male announcer ] if you can't stand the heat, get off the test track. get the mercedes-bz you' been burning for at the summ event, going on now at your authorized mercedes-benz dealer. but hurry, offers end july 31st. [ whirring ] [ dog barks ] i want to treat mo dogs. ♪ our business needs more cases.

[ male announcer ] where do you wanto take your business? i need help selling art. [ male announcer ] from broadband to web hosting to mobile apps, small business solutions from at&t have the security you need to get you there. call us. we can show you how at&t solutions can help you do what you do... even better. ♪

tracy: your cred tracy: your credit score can impa whether you get a house or a job where day. a survey shows that women will not date a guywith bad credit. what do you say? greg says yes, that is not always due to poor judgment. and kevin disagrees. he says that i would have in the past, but not anymore. bad credit is bad behavior and i am done with bad behavior. we also asked on gerriwillis.com and 30% said yes and 70% said

no. gilbert from kentucky writes that what worries me is that more and more people are saying that everything is completely good or bad. this will not negate the possibility of compromise. is it time to revisit the various shades of gray? i like that. and anotherviewer from texas says i ill never invest in stock. i if i want to gamble come over to his casino. okay, and the office of george bush, many members of his security detail going under to support this project. the bushes lost their second

child to leukemia at age f four. coming up, some of the hottest investments these days. our next guest helps us to take a look at what you and money can do together. that is up for "the willis report" tonight. have a great night. lou: good evening, everyone, and thank you for being with us. president obama spoke today. leading many to ask a the question, why now? the president himself answered the question himself in a candid and frank manner in a speech designed to change the conversation. president obama took a clear shot at republicans who continue to pursue the truth regarding the numerous scandals currently engulfing his administration. >> but with this endl