my web, at omsullivan.com. we'll have here comes "the willis report." >> hello everybody i and gerri willis. tonight on "the willis report." glitches hit obamacare right before the deadline how impact you? >> is a time to fire your financial advisor? we would give you the right way to give them the boot you had your degree now how do land the gene -- the dream job? we are watching out for you tonight. the "willis report." of. gerri: we have a lot to get

to the first hour final installment of the week-long series as a user's guide to education. if you graduated now what? finding a job is not easy prospect. reinvested eati what it takes to stand out from the crowd he now have to have the extra somethingto get hired we will talk about that we'll also show you not the high-tech way all of that isoming in shortly. obamacare hitting another snag this time with insurance pricing. the wall street journal reports a software glitch in the exchange's causing the prices to be miscalculated. adding insult to injury that chuck cater was to happen months ago but on started this week.

thank you for comi on the show so many thigs have gone wrong with the implementation? can this be fixed in the next couple weeks? >>. >> i don't know because it is more than a technology problem. the basic calculations you have to wonderow deep the problem runs. one of the challenges the insurance companies have is to price insurance independent of an individual risk it is almost unheard of in the insurance industry. gerri: the insurance

companies themselvesdidn't know what time to expect that no one who will sign up for how mu they're on the hoped-for -- the hook. is less signed into law march 2010 they had to and have years what's going on? another project falling apart? >> initially the estimated cost for thetechnology and the pieces needed to come together we're underestimated. second, the government has taken on more responsibility for setting up the marketplace and what they originally anticipated because many states opted not to know they also have to accept the responsibility for employers as we have seen that will decide not to

provide benefits in have consumers go to the exchange's so it is unintended consequences surrounding the problem and the magnitude that will be a challenge. gerri: it is just like playing dominoes i was just giving the government a hard time but even the private exchanges and thetate is having trouble with this it is a difficult hurdle and you have to wonder if obamacare can even be implemented certainly not octer? they want to have them open in october but will it work? looking at the implementation for the rollout months and months or possibly even years as this starts to slowly start working. >> the biggest depedency is if they get th funding that

ey need. based on the vote today but nonetheless they don't get the ncessary funding they will have major challenges. even if the implementation goes along looking at the latest poll in the terms of people that are still skeptical or don't know enough about obamacare to know iit will help them melt they needed to put into communication is a drop in the bucket and they recognize that not enoug has been done. gerri: absolutely true people don't understand if they are eligible they think it has been repealed in some cases. going to a different topic of the cleveland clinic they now say they slimmed down to cnge adair doing in this is the institution that is very wellegarded in the

president himself has talked about how important the cleveland clinic is not impacted by obamacare. >> the cleveland clinic functions was to paradigms' it provides services to people all in terms of taking care of patients but it is also a big employer. looking at the changes operationally it is consistent with what major employers are saying across the country they cannot affordhe burd of what will happen to provide benefits come impacting profitability and operational cost the impact of impending retirees. as an employer they have the same issue as any employer when they talk about if it is efficient with how they prop -- prove care to consumers the jury is still out one of the nuances of

the affordable care act will enable the clevelandlinic to stay profitable t take on the sick individuals and still maintain the level of standard. it is an excellent institution but at the end of the day there are not enough resources to do everything for everyone every time they need it. gerri: also how the prident talks about i in the past to big difference today in what he said two years ago. >> part of what we want to do is free docts, doctors, patients, hospitals to m make decisions based on what is best for patient care that is the whole idea behind nato and the cleveland clinic. i'll be visiting your home town tomorrow to show why

their system works so well. gerri: but it is being cut -- being forced to cut $3 million from its budget here is the president holding of the cleveland clinic to say we have a heck of a time. >>:pat is looking at obamacare through a very narrow lens and a bigger impact whether the mayo clinic or cleveland clinic will be empowered to measure quality of care, to do this thing is that they need to. as a doctor there is a fundamental challenge they try to get them to implement electronic medical records to pull the data out to understand about the metrics of quality of care there is a lot of resistance in the long way to go with the

adoption and success of the medical community. in the next couple of months there is another hurdle in terms of getting data out to engage coumers. the doctors don't have access to the information to get people to be compliant oro earn the benefits or rewards so it is a benchmark almost impossible to reach. gerri: we have so far to go you think that is a big problem? think you for coming on to the show tonight have a great weekend. not the only problem today but house republicans get their way there won't be money to ilement obamacare passing a bill to defund the

signature block keeping it up non funded through december in one of the people who voted yes from north carolina, from the great state might i add, good to talk to you. you have voted down obamacare about 40 times? >> that is right. gerri: you seem to be banging your head on a wall. i don't like obamacare but what is the point to defund yet again? >> it is clear on a weekly bais how destructive this bill has been alrdy. we have reports this week home depot, a walgreen's and not hiring full-time the 240,000 full-time jobs were eliminated it is havingdous devg

effect. gerri: but with walgreen's they're putting the employees into the private exchange not covering them the old-fashioned way which is a 40 year-old private system set up by employers. critics including karl rove say at this point th will alienate the americans or independence to make goat f the republican party down the road. >> max baucus said it is a train wreck the unions s it is nothing that they want it is time the democrats come clean and they have the opportunity to vote with the continuing resolution i'd like to news seek if mary will stay in e vienna to

tell the people where they really sand. gerri: they haven't yet so i'm not sure another vote will do it. you clearly have the pele ehind you whensked which would be better to go back to the 2009 system or the leave the new one overwhelmingly people said go back. this is not working you cannot keepour doctor or your program that cost will go up and st this week it will only cover half of the people. they told us it would cover 22 million but now it covers half of that now here we are with this price tag in all likelihood you will not be successful what will be the end gme of obamacare? >> the end game we believe

real people ought to come to terms with reality looking at the exchange'she software is not ready they're not ready to implement. it is a train wreck as the more time goes along the more evidence is there it is a failed effort the be well intended but in its objective the cbo says 600 billion people now were promised they could keep their plan. gerri: we are up again a hrtbreak i have to let you go. think you for explaining your point of view. thank you so much. we will show you the best way to fire your financial advisor what to look for

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♪ visit floodsmart.gov/pretend to learn your risk. gerri: the housing market slows down in the fall with the kids are back to school the buying frenzy is over but our next guest says this time of year may actually be a buyers' dream. so to give us tips if you are in the market for a new home sarah, welcome back to the show. wewere talking how it is time to start thinking about this is a terrible time? >> i don't agree. with cecil discounts you don't feel fom that season

and sellers may be more willing to negotiate on price system of your because the holidays are approaching , it is getting cold the days are shorter they don't want is sitting on the market to the holidays so they may be willing but on thelip side selection is limited because some s my way or the highway. >> according to the national association of realtors with a break of $7,000 he will not have that in all of the market that better in the midwest $10,000 or 20,000. gerri: you say you get a 10,000 drake on average? >> nationwide in the northeast, why not?

if your interested in a bet and breakfast it is now time to putting your offer. >> for people to might be looking buthe reality is historically it is low. >> looked at the growth forecast slow owth and mortgage r rates our low because of fact. gerri:se a search creative people dead in their mind what they want. >> have a five month supply? and then they take their stuff off the market. looking high and dry with the alerts sent to them even if they are en an mildly interested they justant to be averted when there is some sort of movement but in

then i am a pottial buyer. a given us some context. >> if you are interested in buying a ski house where down in florida that is where people want to go this time of year he will not find these types of discounts but in some of those places why not? the demand picks up wheyou want to be there. but if you find a house that is not the perfect dream house it isaid good time to go to home depot they have great prices also it is a slow period for them.

gerri: take you for coming on. that is interesting. good idea. part of the user's guide to education we will look at getting the first job firing your financial adviser is one thing and we tell you how t do that the right way. don't go away. ♪ thank you orville and wilbur... ...amelia... neil and buzz: for teaching us that you can't create the future... and with that: you're history. insteaof looking behind... delta is looking beyond. 80 thousand of us investing billions...

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gri:. charlie: to fire financial advisor at some point everybody thinks about it so with your with clear steps how to decide how to do it we have the managing director it is great to have you back on the show. has some point everybody gets a little angry or upset you were you don't know if they're doing the right thing have you know, if it is timeto jump? >>f you start to think about it is time it is a vy important ing is your mey you are not comfortable ben looked summer else because it is the important decision just like it is to have a docto also a financial advisor. gerri: i like that analogy

so first putting it into an e-mail? that is okay? >> it is alwaysn the ugly situation but you made that decision and copy the branch manager because once you put into the e-mail it is updated police seize all transactions from this point forward then at that point they will not buy or sell to create commissions the relationship is over once you hit the send button. gerri: andake sure they don't overcharge on transaction cost. >>e smart people don't understand when you say so my position not only do you say that but also say do not charge me more than $0.10 per share on any stock and brokers make a disgusting amount of money to buy and sell bonds to tell them

don't take more than a quarter a point even if you don't know what that means otherwise they may take two with 3% on the bond and you did not know which. gerri: you have to trust to verify but then make sure you don't donything that happens? why do we do that? >> do that as you transfer your account you will get it from the compliance manager because later you have some type of basisyou want information in one year later they will have been the chef and not try to help you. gerri: photocopy your file? >> that makes sense. >> was the relationship is overit will be hard to get their permission plus you

may halftimes were somebody was a beneficiary because it gets tough to get their attention so get it now with the breakup. gerri: get the data out the door. thank you. well done. cong up our users guide to education was a look at alternatives and congratulations you graduated. now what? stay ted. (announcer) at scottrade, our clients trade and invest exactly how they want.

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♪ gerri: landing a job after graduation is one of the biggest concerns of our nation's college students and parents and grandparents who helped bankroll that education, too. earlier as part of our u.s. had to education, i spoke with pins state carrier services senior director. he was -- he runs one of the mostuccessful career centers in the country, and asked for is a vice constance approaching graduation and have a need to prepare. >> some students think that the only way to get a job is simply to find a job announcements and apply for it. simply go to career fair. it will be hired. it is not as simple as that. a university might offer job announcements, career fairs to on campus interviewing, all about tustin taking personal control with the help o the university ineveloping their goals and developing a good, pro-active job search. most since get their jobs by going out after positions.

i used to say that the three most important turns in any job search are these, networking, networking, networking. now, sang a working i don't endorse the average. italian and who you know. now working give stuntthe opporunity demonstrate what they know. so it is those skills that we like to really helps develop as they approach the job search. gerri: a lot of stuff going on. so what about those graates looking for work now? joining me with cruise -- crucial job seeking advice, a live coach and author of the book twentysomething manifesto quarter lifers' speak out on who they are, what they want, and how to get it. welcome to the show. a lot of kids out there look at the unemployment rate and say, there are no jobs out the. that is not true, is it? >> it is not sure and all. sometimes that can become an excuse, not to be proactive. yo cannot just expect a job to

show up becse you have a college degree. you have to be more creative, engaged in a jury finding a job like a full-time job and so you get one. gerri: a lot of students think that will i'll year i have this fancy degree and a market with a college services pleant office. it is their job to lead me to a job. you say, you have to have your own brand. when you're 19 or 20 or 21, how do you establish a brand? >> it is very easy to do online. 1920-year-old son better taishing an online brand than older people because they're so technologically savvy. easy to start of work website where you are posting things that relate to your degree or area of interest. be careful what you put out there because a thing you facebook, tweet has updated permanence. you don't want your brand to be a party every night. gerri: that's exactly what i was going to say. a lot of students at pictures of

that they should ner have had put up. it is all about networking. but that is one of those phrases. it is almost meaningless these days. people over use it so much. wh you say you have to hone your networking skills, wt do you mean? >> be specific when the network what exactly you are asking for. don' send someone to resonat in sin as to meet you at this event, if you're of any jobs, let me know. this is the area and looking in. i would love informational interviews. you know anyone who works in this field of a detective for 15 minutes, not to have them give me a job, which is to ask them for advice. specific request the people know what to do with. exchange business cards is not enough. you have to follow through. gerri: one of the things you say, be narrow and perot. what does that mean? >> a lot of jen wiresre throwing resoates of to any field. to submitting terrorism is a they will get a job which is not the way to do it. narrow your search and focus on one area.

apply for jobs just in nazi you can establish steeper connections, become more educated and share articles that actually relate to what you're going after rather than trying to bea jac of all trades, be a master of one. gerri: one of your tips we debated in the office l day, ge rid of the resonate. what? can you navigate the job market without a piece of paper and air and? >> get rid of the traditional resonate. just as much a bullet points. you want to make arrests made a lot more thorough. talk about things have actually done, things that are measurable . do nothing submitting resonates is enough. make your cover letter specific to the job. reference i you can be a unique candid to that organization everne can do that. i am seeing a lot of people put a picture on their resonate to help them stand out from other applicants. gerri: it is more itouch than high-tech. you have to convince people that you are a person, get to know

them, have a relationship with them. then they will hire you. thousands of residents come in every single day. thank you for coming on the show. nice to me you. i think your advice is just spot on. >> thanks. gerri: post graduatnife. it is not just about findi a job. it is also in many cases about living and tehran and making your own financi decisions. but as forbes has pointed out, many are not spending money wisely. tonight's top five, what recent graduates are wasting their money on. number five, furniture. many adults want to go all-out says they have bee struggling through don life. one financial adviser suggests prioritizing and shopping estate sales. number four, renter is so expensive. with many desperate to get out ofom and dad they often go to the big cities whe there are hier rents, but experts suggest nding a more than percent of your income on rent. hard to do. number three, education.

four years of undergrad, and many are not ready to give up the left of academia, but this didn't debt rising unit to make sure graduate degree is required for the field the you want. finally, savin. putting your money in a bank account is not enough. retirement should be something you should b thinkingbout on their one of your new job. retirement, putting money in stocks. and the number one thing recent grads waste tir money on to final ha a problem with that. i am always buying food. apparently people waste money. many work late hours open to get away. even those with good intentions who had to the grocery store, a lot more food than y can simply read other thingsnclude electronics as evidenced. closing in transportation. her we come back have we become a nation of sewer? some are fighting for another discrimination class, ugly

people. you cannot talk about colle costs of talking about the cost of textbooks. what some are doing t bring down those costs coming up. ♪ thank you orville and wilbur... ...amelia... neil and buzz: for teaching us that you can't create the future... by clinging to the past. you're history. instead of looking behind... delta is looking beyond. 80 thousand of us investing billions... in everything from the best experiences below. to the finest comforts above. we're not simply saluting history... we're maki it.

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i took my son fishing every year. we had a great spot, not easy to find, but worth it. but with copd making it hard to breathe, i thought those days mighbe over. so my doctor prescribed symbicort. it helps significantly improve my lung function starting within five nutes. symbicort doesn't replace a rescue inhaler for sudden symptoms. with symbicort, today i'm breathing betr. and that means..ish on! symbicort is for copd including chronic bronchiti and emphysema. it should not be taken more than twice a day. symbicort may increase your risk of lung infections, osteoporosis, and some eye problems. tell your doctor if you have a heart condition

or high blo pressure before taking it. with copd, i thought i'd miss our family tradition. now symbicort significantly improves my lung nction, starting within 5 minutes. and that makes a difference in my breathing. today, we're ready for whaver swims our way. ask your doctor aut symbicort. i got my first prescription free. call or cck to learn more. [ male announcer ] iyou n't afrd your medication, astrazeneca may be able to help. gerri: welcome us tonight is the last night of our users guide to education. all week long we have the experts break down how to make college more afforble through aid packages, online courses, and we have even discussed viable alternatives to colleges hat are right for you. now, if you missed any these interviews are you want to check out my bg, go to gerriwillis.com. tonighwe want to leave you with one more idea for cost-cutting. students are getting school on textbooks, shelling out over

$1,000 each and every year tre are in school, many use them for just a few months and then have to sell them back at a fraction of the cost. joining me now, founder of boundless bucks. said sell meore about this work. because i know people pay hundreds of dollars for these books. >> yes. while we do is take the best content from the license courses and create high-quality learning tools and up and textbooks that we c offer directly to students for a fraction of the st, as you mentioned. and we have free textbooks as well as premium textbooks with integrated high-quality lrning tools. gerri: go online and read the text would g a fraction of the cost. is that right? >> exactly. line and digital. gerri: okay. that makes it easy pc. 1999. i get a little extra. quizzes to help m learn along the way and other tools that might help me, you know, taken all of them permission more

quickly cameras? >> exactly. a very smart flashcards designed by experts thawill help you connect learning to longer term memory. gerri: i need that right now, not just -- i hav to tell you, people have told me and ion't remember textbook being this expensive when i was in school. some of these books are like $500. so the graduates tell me they did not pay that. they just never got the bug. so really making itarder to learn with the high cost of these textbooks. it's rlly an impediment, don't you think? >> absolutely, and that -- would you mentioned is absolutely true text books ever is now three times the rate of flesh of the past 30 years, and the result is incredibly expensive. as you mentioned, a good chunk of students are forgoing that in order to pay for their life expenses, tuition, and staying in school. and we have lots of users that are happy to use the product not just because they're saving money, but also because they can

study more effectively and do better in their courses. so we're able to help save money and learn more effecvely. gerri: a you can do it on and ipad cameras? >> absolutely. [laughter] online, ipads, and the new iphone as well that just came out today. gerri: excellent. that's great to now. thank you for coming in the show tonight. great technology, and a lot of people out there are desperate to save money on these textbooks. thank you so much. >> thank you. gerri: still to come, my "2 cents more." and don't hate me bause i'm not butiful. a legal panel weighs in on the debate over beauty bias and whether ugly people should be in a class by themselves. stay with us. ♪ this man is about to be the millionth customer. would you mind if i go ahead of you? instead we had someone go ahead of him and win fiy thousand dollars. congralations you are our one millionth customer. nobody likes to miss out. that's why allyreats all their customers the same.mer.

whether you'rehe first or the millionth. if your bank doesn't think you'you need an ally. ally bank. your money needs an ally. if your bank doesn't think you'you need an ally. then you'll know how uncomfortable it can be. [ crickets chirping ] but did you know that the lack of saliva can also lead to tooth decay and bad breath? [ exhales deeply ] [ male announcer ] well there is biotene. specially formulated with moisturizers and lubricants, biotene can provide soothing relief and it helps keep your mouth healthy, too. [ applause ] biotene -- for people who suffer from dry mouth. ♪ gerri: beauty is in the eye of the beholder, but should the ugly be protected by lawks

♪ gerri: okay. multiple studies point to the ugly truth, more attractive people tend to get the job with bonus, but should ugly people become unprotected legal class? think about it. joining me now, bill compton and fox news legal analysts. she is author of the brand anking new boo -- you have to read it, fatal ties. very setting. congratulations. first the all rht. -- said as upon the story. protective lal classis. why? >> not. first of all, how would you define attractive versus not attractive. gerri: i think it's really cute. >> it's adorable. how did you say that? and the other thing is, prey

people, if you want to describe it that way, they're discriminated against as well. gerri: how so? >> dumb blondes, hello? [laughter] i have dealt with i all my life. we are called dumblonde. we cannot be smart enough. we can be dcriminated against because of the color of our air which is -- are we really going to file a class-action lawsuit? gerri: let me pick a point. attracted people to earn 45 percent more. >> but it's probably a fact of life that pple who are more attractive get these benefits. but also, there is an implicit concept that these people are more attractive to get over on peop who are less attractive, some inferior characteristic in the sense that maybe they are getting what they're getting because of the way they look. gerri: how about bause they did and the school could -- >>re not talking of achools.

>> let me back that up for a second. let me go back to school. when you apply to a school mille claudel the picture. yet the stories. he is cool. the schools and indeed to the better job eventually. when you look like has nothing to do with how you got then there. gerri: the fax artifacts. people get highe paying jobs if they are attractive. >> if you go to an interview and you are better looking, but you get the job, okay, it often turns out that t way the look is the reason you got it demanded may be that the other candidate is more qualified. when you prove discrimination you comre and contrast. >> that's attractive, thas not attractive? >> look at obesity, for example. it's a protected class. is the result -- >> ageism. >> so if you basically have someone who is obese and does not a good job who has a disability and is mor qualified than someone who is not obese,

there may be a case. it is not a protected class. >> but with obesity you have a marker. you can say, a certain body mass index, at that point youre obese. you cannot do that with -- >> but you can. gerri: how so? >> of tell you how >> the blonde, brunette. >> in the job 25 years and doing a great job. some attractiveoung woman, for example and basically hits it off with the boss. of a sudden i'm off -- out. what is that? gerri: stop being a cranky old man. >> is the duty. age discrimination. >> the beauty is not what got heinto a good graduate school d a good job. gerri: maybe that's why she g the job and maybe not. here is what some employers say. i need attracted people at the

front desk. i needed aracted people meeting with the public. i'm going to hire retracted people. you're talking about an actual bonafide qualification for the job. you're not going to have an obese person greece someone at a fitness spa or your guaranteed lose to the path it -- not going death someone who looks like matt clark gable being in a male strip club or something along those lines. there are criteria for a job. >> if you're trying out for the rockettes, then how your look is appropriate. gerri: and tebow think that's okay. >> yes. anything other than that, educational backgrounds the brain to the job. i really don't like the fac that just because somebody key is attractive that they are not smart. that's what your saying.

>> when i'm saying is when you look at the qualifications for a position it may be there very well. it does not get the job. gerri: why i don't like this. it is a more money spent. >> creating a protect class. and suggested going below the reason we compared th the present time he it is not like, careful to deny get the job and the money does did. >> beauty is in the eye of the beholder. some. other people. i just of see that. i don't see it make that test. gerri: well -- >>o we agree on that? >> it's a real issue. >> i'm not going there. gerri: you guys are starting to wear the same color clothing anyway. greatob as always. thank yo for coming andhe

show. here is our question. should unattractive people get the legal protection? log on the gerriwillis.com. vote on the right-hand side of the screen. we will share the results after the break. stay with us. ♪ any last requests mr. baldwin? do you mind grabbingy phone and opening the capital one purchase eraser? i need to redeem some venture miles before my demise. okay. it's easy to erase any recent travel expense i want. just pick that flight right there. mmm hmmm. give it a few taps, and...it's taken care of. this is pretty easy, and i see it works on hotels too. you bet. now if you like that, press the red button on top. ♪ how did he not see that coming? what's in your wallet? ...amelia... neil and buzz: for teaching us that you can't create the future... by clinging to the past. and with that: you're history.

instead of looking behind... delta is looking beyond. 80 thousand of us investing billions... in everything from the best experiences below... to the finest comforts above. we're not simply saluting history... we're making it. nascar is about excitement. but tracking all the action and hearing everything fr our marketing partners, the media and millions of fans on social media can be a challenge. that's why we partnered with hp to build the new nascar fan and media engagement center. hp's technology helps us turnlis of tweets, posts and ories into realime business insights that help nascar win with our fans. [ engine revs, tires squeal ] [ male announcer ] since we began, mercedes-benz has pioneered many breakthroughs. ♪ breakthroughs in design...

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who can show them hoto build on your success, but not rely on it. who cafocus on making yo legacy last for generations to come? that someone is a morgan stanley financial advisor. and we're ready to work for you. gerri: before the panel, -- pardon me, before the break our legal panel debated whether unattractive people should be a protected class in discrimination lawsuits. is there a legal bias? we ask a question of the five. 17 percentaid yes, 83 percent said no. here are some of your e-mails. bob from texas talking about who benefits from the stimulus. i know all the fat cats got fatter, but i am not one. anpatrick from maryland rights i love your reports. very empowering. thank you for that.

and finally, all this week we have been bringing you our users guide education, and after tell you, ieel like and learn nearly as much a i did school. kidding. i have been questioned pretty seriously about our first installment of the series which we called, is college worth it. to be clear, i am in for of students who won an education going to college provided that they can afford it. cost has been escalating as if there were no constraints. no constraints on what parents can spend your distance themselves. that is because getting a federal law for college requires little more than fogging a mirror. that is got to change. this series of dominoes and the st education costs to stratospheric levels has got to stop. that educati, once again, can become affordable and the not an acemic arms race as one expert put it this week. the schools comng within student unions, state of the origins and sushi bars. a college diploma is a new high school diploma, as one of my young guests also said. let's make it affordable. that's my "2 cents more."

and that is it for tonight on "the willis report." the key for joining us. have a good night, and a great weekend. ♪ >> bring it on the age of innovation when everybody has access to a global market radius flourish. >> want to go to mars? is is a good idea? >> plastic guns to making your own home. >> politicians are thatened by the money they cannot control. >> the first digital currency. >> zero things that could transform life as w know it. transformation nation. tonight.