on the phone how will you be inspired to do well when your employer does not care. neil: mr. spacely, too late, thanks for watching.rri: hello,m gerri willis. scary sinkholes are back. how safe is your neighborhood? from a geologist later. and a host of tax problems after losing a loved one. how you can deal with that. and moy-saving monday. a simple trick to get your homeowners insurance to pay for your claim. we are watching for you tonight on "the willis repo."

all that and more coming up, but first our top story tonight. they passed obamace and now they don't want it. outre over congrs getting a pre-pass from the law of the land riddled with problems right before skipping town on a five-week long vacation. claiming now, president of american actions form. great to have u here. how is this that congress can give us the prescription for health care, health care and then they don't live by it. at do u say? speaker this is a mess. take way will be washington takes care of its own and doesn't pay attention obamacare passed, it forced the federal govement to drop the employer-sponsored insurance so unlike every other employer, is one had to go away, dumped the staffers into the obamacare exchanges and it barred the federal government from supporting the health insurance

so you have any kind of a contribution. gerr like regular americans they only get the money when they deserve the money. there are certain economic thresholds. doesn't it me a difference? >> i don't think they should get the subsidies, it is not the int the law did mething clean it wodn't. if you like your insurance, you don't have to change it. it actually said you have to get rid of it, that was step number one. step number two was indefensie in fixing this. ruling we did not mean it, we are sorry. they had no ability to do that. this is the latest in that the administration has used his executive powers to orrule the law and it has become just a joke. laws are passed and should be hered to by the administration. gerri: it is a lot like the debate ar in the clinton administration of whatever it was, the caithnessord, case is

not withstanding. which would today be mean we dot care aboutther laws. they are interpreting ijust the opposite. >> deliberately put in to make sure you have a sweeping power. it was to make sure that there was no way they could keep the existing federal health insurance benefit. they reinvented the benefit into new clothing by ignoring the words. you just have to stand in your head to make sense. gerri: the peoplwho know the most about this, the folks on capitol hill, they say 90% say they don't want to be forced onto obamacare. they probably know about it more than anybo else and they say not a chance, i don't want that. there is a new poll out tonight, obamacare is a joke 57%,

obamacare needs to be changed %. it seems to me tre ia broad group of people who have decided this law is for the birds. speak it is interesting, for years now there is a ve firmly transitioned viewpoints. e narrow majority thought it was a bad idea. the claim was as a become implement that people have grown to like it. the opposite has happened. more and more problems have arisen, people have ken time to lk at what is going on and don't like what they see and this will get worse before it gets better. gerr tlking 50 days to obamacare, 50 things needed to be done. are we going to be ready? >> there has already been an amendment, shoving place for small businesses is gone for the year. we got rid ofmployer mandate and reporter requirements but they still won't make it. this enterprises so gargantuan

and so, gated they will not get the computer systems up and running in time to test them. october 1 will prove to be a very interesting day in the life of people wh have insunce through the exchanges. gerri: and it will hurt all of us. heres a poll you are going to like, congresss less popular thancockroaches, root canals, colonoscopy, traffic jams, use carmen, genghikhans more popular than cgress. genghis khan. i am just saying they don't like you guys that much in washington. >>y old boss had joke where he said paid staffers and familybut the numbers are really that bad now. those of the only people who say they support congress. gerri: it is absolutely true. so good to see you, thank you. now we want to know what you think.

should congress had to live by the same rules athe rest of us? vote on the right-hand si of the screen. i will share the results at the end of the show. we had a sinkhole of congress and now swallowing up condo resort giving 100 tourists a horrible surprise good fortunately nobody was hurt in the coapse but 20% is sueptie, how dangerouare they? with more on this, physical scientist and geologist at the u.s. geological survey. thank you for coming on tonight. tell us what a sinkhole really is. >> is the collapse of settlement into a cavity below the surface, simply put. gerri: what is collapsing? limestone, is that the typical?

>> there are holes in the limestone. it dissolves and gets holes in it, there are overburdened materials that overlie that, sand and clay will slowly revel in. it will hold itself together and the cavity can get larger and then it can abruptly collapse and that is what ainkhole in florida is. gerri: why are they alin florida? >> they're not all in floor to, but a number of areas underlain by limestone and part of the landscape evolution ov time, over geologic time. >>gerri: seems there are more ad more sinkholes b the reality may be something different, what is going on? >> there are more things we are doing to the earth's surface, we move drainage around, we pave areas, where kind of more in the landscape so i thing as population increases we will see

continued sinkholes. we build in pipelis and disturb the earth materials so i think some is just part of we are mucking around in the geologic material. gerri: in florida and tennsee the good news is you can get homeowners insurance toover this with the rest of the country you can't. ithat is basically the way that it works. tiger woods house is starting to have problems from sinkholes. is this something everybody is going to have to watch out for? this is going to affect more and more people? >> i think over time there are older places over time it is possible we could see increases, but we're going to have to live more responsibly on the land surface. the other issues getting coverage were doing preventative construction. informing with scientific

expertise where to build, where not to build, what to do, what not to do. gerri: what suld i look for? what will be the telltale signs in my yard i could be in trouble? >> cracking doors or windows that don't operate properly, things out of square. if aree suddenly leans or dies, their obvious visual effects. a good thing to do is document that with photos over time and a ruler or sething and keep track of the date. it could be natural settling but if there is something big going on, you will see signs and it is not in split seccnds. you generally haveime. but it is something if you need to get it checked out, you should get with the insurance companies and geotechnical engineers and they have different ways to investigate. gerri: i know people are

wondering and my next. thank you for coming on, great to have you on the sho all ght, lot more still to come including losing a loved one is bad enough but it gets worse the relativeeaveyou with that. ana new government report shows how our kids are being overprescribed dangerous antipsychotic drugs. all the details coming up. stay with us. with the spark miles card from capital one, bjorn earns unlimited rewas for his small business take theseags to room please. [ garth ] bjors small buss earns double miles

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i'm calling. call today and make the switch to the aarp auto insurance program from the hartford. why wait? gerri: is the quest for a quick fix putting our children in daer? federal health investigators are exploring kids and medical system. joining us now, a psychologist. what are these drugs to begin with? >> they're giving them antipsychoticdrugs known as second or third generation antipsychotic drugs having less side effects than the originals. nothey're giving mications.

they originally were designedto be antipsychotic mications to help people with schizophrenia but they were diagnosed, people diagnosed with adult schizophrenia so giving drugs to children thaey had not been approved for. gerri: some of these kids are one-yearld. >> they're using the drugs for autism, bipolar disorder. they show some effectiveness but the real issue is what are the side effects? there are a lot of side effects for young people and old people. gerri: kids as young as five, as young as one are getting these ugs. what you think is really going on here? why are they getting the heavy-dutyrugs? >> first and foremost we don't want to invest in psychotherapy and, control.

lock come from poor backgrounds, medicaid and other funding paying for the drug. a lot of the kids are in foster care not trying to rock the boat they can should behavior is controlled and they just don't want to invest in the future of these children because we don't know the side effects may be later on down the road. gerri: how do you know if u have any of this stuff? when i look at the general population, people who are not on medicaid, people paying for the drugs i am shocked the drugs are being given to young kids. >> there eight times re given to children on medicaid. part of the issue biological parents are notresent, a lot of these kids have very big, emotional issues seeing in foster care so they don't want to rock the boat, they want to stay in e homes but it is not the answer. the answer is psychotherapy,

control, working with the kids, working with the families. they are way too young to the medicated with heavy-duty side effects. gerri: what about those who are this unbelievable cocktail that is shocking. >> some of it is the pressure from the schools that they pretty much it dot control the behavior of this child, they cannot be in the school. they'rthere sold a bill of good, given e medication, you have to do it the old-fashioned way. put the work and the efforin in the long run you will have a althier child, emotionalll, psychologically and typically. gerri: lat in the show, the man behind tesla and space x is

unveiling his vision for revolutionary new transportation system. we will have a live report on that, and we will have tips on the best way to cope when you inherit a money mess. stay with us. right now, 7 years of music is being streamed. a quarter million tweeters are tweeting. and 900 million dollars are changing hands online. that's why hp built a new kind of server. one that's 80% smaller. uses 89% less energy. and costs 77% less. it's called hp moonshot. and it's giving the internet the room it needs to grow. this&is gonna be big. hp moonshot. it's time to build a better enterprise. together.

gerri: inheriting a financial mess my loved one can devastate your bottom line. ti

gerri: i know you work hard to keep your financial house in order, but situations outside of your control can wreak havoc on your bottom line. for instance, inheriting a financial mess my loved one who passes, majored debt can get

passedn to you or you may have you ke care of them, so how do you handle that? welcome back to the ow. so good to see you here. you know, yolook at what is going on with the elderly in this country and they e under a lot of financial duress he had what is on there? >> 3.3 million older america 2.2 million americans oweomes, student loan debt the average balance is $20,000. huge increase in bankruptcies and they say 75% or two-thirds of people over 75 have nothing left in their retirement, so we're looking at a real financial crisis a that is there for the people left behind when they pass away. gerri: i cannot tell you how many open up that package with a find is that they did not have

the money that they ought they did and their surprise and don't find out until after they have paed. which of those obligations can acally be passed on to the next generation? >> generly are not responsible for the death of a loved one who died unless your spouse makes unity estate or you cosign. but there are some caveats. one woman told me she got added onto her elderly mom's account so she could take re of the bills and talk t them and after she died there were claiming she was a cosigner and said you are liable for the balance. her word against theirs. even if you're not responsib for the debt, somebody has to clean up this mess. you may have to pay for an accountant do final tax returns, it can be very expensive. ggrri: lot of kids never even talked their parents about the money. they are afraid to open up the discussion.

how do you do that? >> is a tough discussion to have. i went through it with a who died, that prompteme to talk to my parents. we shared a lot of information. do they have a will, do they have debt we are dealing with. ha the updated the beneficiaries, because if they haven't, the money may go to somebody they did not intend to get that money and you are trying to be helpful. gerri: you don't wt to look like you have yo hands out asking for dell. if you find yourself in a position of having this. >> order the credit report for the person who died if you are trying to resolve the estate. they will require you to show the letters of testimony showing you are authorized to handle the estate. the other thing you don't want to do is get greedy and go in and take things before the estate is settled so people will take the jewelry ohe

fuiturand tereareebt the tateaybeiab, ifou liquidated assets you could be in big trouble. that is something you don't want to do as well. gerri: definitely a step you don't want to take, but people have learned a lot from this segment. thank you so much for being here today. really appreciate it. coming up we have money-saving tips when it comes to homeowners, d september a doozy for investors in a string of market ving headline set to come out next month. what should you do with your money? coming up.

gerri: september, it is the tory

us for being the worst month of the year for stocks and investors are bracinfor a perfect storm of political and economic events that could do serious damage to your portfolio. joining me now, money steps. ief investment officer of pollutions fund group. author of "you can never be too ch. i will start with you, are you rrd abt september, should i be worried about september? >> i am not worried whatsoever. there's a lot of fighting is going to happen with the budget and dicit taking up a lot of oxygen but the coast is clear, it never makes sense. we have to stay the course and not worry. it is baked into the market right now. gerri: the last time we had this big debate over money in washington stocks went through the floor. is that going to happen again?

>> i think there are a number of other factors you have to consider. the number of stocks trading above or below the 50 day moving averag the internals are rotten, we have had margin debt reaching its peak in april which has been in decline since may. if we are looking at sort of the market language, it is already telling us what it is september, october, november we are in extreme peril. i would disagree strongly. gerr what kind of a correction are you expecting? >> i think a 20% correction would be about normal. 20, 25% chance of it being 30 or 40%. i don't know that we will preach at 10,000, but it would not come as a surprise keep in mind how dependent the markets are on speech from the fed. gerri: does david have it right? >> no.

i will be the smartest guy in the room bsaying it is impossible to predict this because three financial guys what will happen in the market, you're ggi to get five different opinions. the question people need to ask themselves is are you a trader or are you an investor. good luck trying to time the market. if you are an investor you should be a good portfolio knowing something didn'to up, something didn't go down, don't ever try to time the market. gerri: i have watched the growth all year, gdp growth, rry, it is n not impressive at this poi, don't know what is going to market up other than ben bernanke. is there anything to look forward to hear? >> there's a lot holding it up right now. we all need some for the markets to go forward. we have had macro calm holding a market up. balance sheets that are strong,

multiples that are okay and central bas around the world. can we correct by 5%, sure, why not. but overall weti are going to march higher. i don't think it is strong enough to have a big correction. gerri: they will talk about what they have been involved in four months and months. what do you think they will do in september? will they pull the rug out from under the economy? >> they can do anything, the challenge is doing with ramifications of what they choose and if they decide to per or pull back, you're going to see a rise in rates and a drop in equities. it will have a major impact on housing, that has been the recovery at this point so i think there is a lot to lose for them to pull back. they have not taken any actions

as of yet and i am not sure they will take any major actions given a pass from a leader to the next am not sure they want to roil the market in the context of the passing of leadership. gerri: take a ok at who may be replacing ben bernanke. could be larry summers, janet yellen, there is a mystery candidate. who would be best for my pocketbook? who should i be cheering for? >> i c start taking votes who i think would be best but it is tough to say because the person they put in place nobody has any ideahat that person is going to direct for the reserve and how fast they ease up. whether that person is if-then-else easing will take place a little faster than everybody expects, the market gets rattled, read on. gerri: i like that attitude.

take advantage of the opportunity that is presented to you. the federal reserve will do their thing in september. goodness knows wh is going to happen to our credit rating through all of this. it seems to me this is a perfect storm of bad news for the market. do you think because we have been through this, we charge the stories again and again, will we see a lot of downside action in e maet come this fall? >> we will see a lot of consolidation and congestion. these are all things known in the market in the olddage is we all know what will happen. not exactly, but the budget will be a crisis, it ll be a last-minute mudslinging and all that sort of thing. the fact is we need to stay the course. it ithe things we don't know

that are going to hurts. not the things we know. gerri: thank you for coming on. you guys are great. i lovet when people disagree. thank you. ansforming mass transportation, tesla ceo elon musk unveiling the plans for hyperloop. an exclusive look developing similar techlogies. >> you might be wondering why i am sitting reclined. basically we are inside fox business exclusive with a mockup of the cap so that could ke us from new york to beijing in two hours.

it is relevant because elon musk came out with his biplan to transform high-speed rail by eliminating it and putting into place this high-speed sort of transport. you are justn a meeting a couple of weeks ago talking about the designs and we knoit will cost $70 million, it will be l.a. to san francisco in 30 minutes. this is a lot of exciting technology, but this is a lot of people looking at this technology from different ways. what are your reactions to his plan for creating point a to point b transport? >> i am really impressed somebody with his technical ability and business abilit has had the courage to take a stand against something th is just wrong. wasting billions of dollars of taxpayer mone if we can build things with the

best technology, and he has made a giant step in the right direction to do that, hyperloop is undoubtedly much more value than high-speed rail is. >> talk about going hundreds of miles of our. what will it do for a company like yours developinghis technology, doing it for more than a decade. >> hyperloop is more like a bus sized vehicle. what we're talking aout my medically vitating cars, it has similarities with hyperloop. as far as the development of it goes, we have been focused on maximizing the value of transportaon for the last 15 years. there are now 273 licensees in ov 20 nations. >> essentially a lot of opportunities.

developing a lot of the research. certainly something we are going to be stayin on. we will be following this story planning to break ground on a testing tracked by the end of the year and we will be there. gerri: you have done a great job today. thank you for coming on. interesting stuff. i wonder how long it would take me to get to westchester. when we come back, list of the most difficult companies to interview for and many of us wait months and months insurance coming to pay up but since it is money-saving monday, tips on the best wayto get their butt in gear. stay with us.

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wanting your home insurer to pay up with a drag you their feet ty your claim. thank you for coming on this show. i ink in reality there e a lot of things customers can do to speed the plow and get the process moving. >> with it bng storm season it is a really good time to do a home invenry. you don't have to make a huge, long list. take pictures and videos of everything. know your stuff.org's insurance institute app making it easy to keephis in a safe place. you can immediately get that insurance company and that will put yoat the head of the line. gerri: se have their own app they wantou to use. sometimes freelance adjusters

who say you have a big claim on your home, your worried about getting your adjuster in there in a timely fashion. should you use a freelance adjuster? speaker that is exactly right. independent adjusters comi in fr all over the country jumping on you trying get you to work with them right away. first try to work with your company. and then all insurance companies have a process to help you get claims paid. ma of them can wk with the insurance compan those things don't work, then you can get help, but keep in mind they may charge 10 to 50% of the claims settlement so try to get that done first on your own. gerri: lets talk about what you pay for this insurance. i like to raise the deductible so if i ve some costo pay something out of pocket. what do yorecommend?

speaker that is a great idea. if you go from about $500 to $1000 deductible you can lower your premiums by about 20% or so. if you have that much money in your emergency savings you can save another 24% or so another key thing is not only does it reduce your premium but also prevents you from filing small claims that canet you dropped by your insurance company or a price hike. gerri: another tng tpoint out is somef the good insurers if you don't have claims y get a benefit from that, a financial benefit so we to look for that when youre shopping around. you say you don't want to file a lot of small claims. at is the size of the claim you'd like to file hashtag >> think maybe even a buffer of a few hundred dollars beyond the deductible because keep in mind are only getting that pay out beyond the deductible and if the

insurance company raises your rate for a small claim say 10% the next three to five years you could easily end up paying more in premiums because of that claim than you ever got from the insurance company. definitely wait until the few hundred dollars above that deductible before you file that claim. gerri: when you are in a car accident last thing you want to think about is the insurance to come. there rattled, nervous woering where the cops are. is it enough to trade insurance information and are othe scene with the other drivers? >> is another area with a smart phonesave made things so much easier. we're normal on the side of the road, very rattled. take pictures of everything. the damage to your car, or other car, instead of taking the time to write dental information fro the person's insurance card, take a picture of the surance card. get the accident report nuer, gather all that evidence and

like you said with homeowners insurance also a lot of the auto insurance companies have apps make it easy to submit this information directly into your claims file with the insurers. the more you can gather smart phone, the easier itill be. gerri: thank you for coming , appreciate it. >> thank you for having me. gerri: still to co, my two cents more and job horror stories. we will have some dos and don'ts, plus we will hear your stories. stay with us. right now, 7 years of music is being streamed. and 900 million dollars are changing hands online. that's why hp built a new kind of server. one that's 80% smaller. uses9% less ener.

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gerri: well, interviewing for a job can be tough to matter how high or low the position. throughout this next segment we will show you the horror stories our viewers have told us about on twitter, but first i nt to the streets of new york tosk folks what were their stories from job interviews? speaker you cannot ask us our age. it is a union rule and if they say how old, you say no can do that we h to have gotten asked asked, but most people now know you're not supposed to ask. >> so what do you y? >> rude. rude questi. >> asking people whether you've

ever had a weird question in a job interview or funn answer, do you ever get asked anything other offbeat? >> ask like my nationalityi think they were looking for hispanics or something but i said im asian. they said sorry, never mind. i guess i am not qualified. my job is at victoria's secret they asked i wanted to work here. i still want to work for you. >> somebody sent in a rrsume for a job which the person could be a model, and they said modeling photos in their underwear. not good for the job. gerri: modeling photos in their underwear. some of those are pretty bad, right?

certain companies apparently make the whole process even more excruciati. glassdoocame up with a list of 25 most difficult companies to interview for. a community expert. you come up with this list, but what are you measuring when you say a tough interview, what does that mean? >> it fixes list unique is it is based off of job candidate feedback so the job candidates themselves went through the process, they share their n experience and when we aggregate the data, you can identify which companies they say over the past year are the toug stuff ito interview at. >> it is le through the roof, 23 days. are you kidding me? that seemso painful. >> and they are not kidding you. the average is actually 16 days. many companies on this list in

particular surpassed 16 by far. part of the reason is these employers wa to make sure they're doing everything they can to separate the great talent from the good talent and there are many reasons behind that. gerri: i will go through this list starting at number five and talk about why it is so difficult to interview with. what is going on iston? >> a consulting agency worldwide known for very rigorous, tough interview questions that are very case based such as what would you do if, it is x and y, what is the. research agency. again, multiple interview rounds, some job candidates say from five to nine different meetings just interviewing. gerri: these are consultants, these people listed jawbone.

>> interviewing at this company with multie people from potential team members up to executives. gerri: in chicago. >> a tech company known for very difficult sometimes obscure, almost rain teaser questions and they don't necessarily have a right or wrong answer, or testing critical thinking skills. gerri: i have heard about this, multiple rounds, on and on they go. >> number one on this list for the years in a row. what separates them is a lot of testing from oline test to writing to math. they compare the math test. gerri: i know people love these kind of lists and it is shocking to me all kinds of companies on this list including a llt of

tech a consultants. really appreciate your time, good stuff. >> you are welcome. gerri: if you want to see the complete list, log onto gerriwillis.com. we heard some of your job interview horror stories on the street, but the top five real sums it all up. the worst job interview mistakes you can make. number five, you're desperate being overeager or saying yes to everhing our major red flags. also try not to ramble, like i do sometimes a little bit. number four, you are to focus on yourself. try t to use i too often in an interview. do not badmouth a previous emoyer. there are diplomatic ways of explaining a bad job or a bad boss like saying youure looking for new challenges, right? numb two, bringing your parent or your pet.

people do this all the time, it happens, especially with millennial. a good rule of thumb. the number one mistake not to make on a jo interview, taking calls or text on an interview. turn off your phone completely, hearing it ring n be destructive for an interviewer. being late, not knowing enough about the company you are interviewing with, chewingum, you get the idea. we will be right back with my two centsore and the answer to our question of the day. should congress had to live by the same rules we do? stay with us.

gerri: the count down to obamacare continues members of congress continue to exempt themselves and their staff. do you think congres should have to live by the same rules

as the rest? here is what you are posting on my facebook page. kathy agrees that was founding father's intention, period. we asked question on gerriwillis.com, 97% said yes, 3% said no. and the exemption tha congress and congressional aides get from obamacare is insulting, that is what i think. their message, it is goodnough for you, but w wouldn't touch it with a 10-foot pole. 94 lawmakers who came into was of endf 2011ad aedian income of $1 million,. median income of americans is a million dollars less. 66700, hardon us for not wanting to pay 75% of your premiums that we do. it is time you felt like the

rest of america. that is my two cents more, that is it for tonight's willis report. have a great night, we'll see you back here tomorrow. lou: goo evening, thank you for administration continued roll back of "law & order," sends attorney general eric holder to reveal latest initiative to cut prosecution of person drug crimes to withhold information and certain prosecutions about amounts of drugs involved in the crime. to reduce prison sentences in some cases. an to free some particularly alderly inmates not -- elderly inmates, not convicted of violent crimes for humanitarian reasons, administratn acting to reduce drug crime sentences, obama white house ordered federal prosecutors to revmp