next. ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report", companies defeating consumers by giving teviews online. one state on the crack down this topic. also, money-saving monday. this coupon misleading labels that are costing you a fortune. and just a week to go before the obama healthcare is changes go wide. your guide to navigating the changes to your health care. watching out for you tonight on "the willis report." ♪ our top story tonight, a

crackdown on deceptive online reviews. new york regulators slamming fines on 19 companies for posting fake reviews online. now, while consumers no fake reviews are part of the game, you may be shocked at how far companies will go to get a positive review posted online. here to weigh in, branding expert mark rudolph. always good to have you here. no, i was looking at this story. i have to tell you, you know, people use these reviews not just to pick a place to go for dinner saturday night, but to pick attorneys, doctors, they guy who will renovate your home. it is all done on line. how widespread is the problem of these fake reviews and what are the stakes? >> well, it is very widespread, but the stakes are very small if you decide to take them with a grain of salt. if you decide to live on-line and believe everything you read online, then you are a fool. gerri: well, mark --

>> i have to disagree with you here. obviously you have to take things with a grain of salt, but more and more people do look at these reviews and are weighing the men are part of the marketplace now. to ignore them is ridiculous, frankly. >> i did not say to ignore them. i said taken with a grain of salt because, for example, i recently bought a new computer and printer. i read things online. i went to a trusted reviewers, i went into the store, talk to the guy, and i said, okay, if you are going to put your money in this, which one of you going to buy. i lifted his face. so i use many different data points to make my decision. and to believe only what you read online is foolhardy. gerri: that is absolutely true. >> more people in doing it, but so what? gerri: absolutely true they have to take things with a grain of salt and obviously you will not take the word of a salesman either, right, but at least you know it is a salesman when you speak to him. i just think that most people did not realize the degree to which these things are cooked

up. and some of these reviews are actually outsourced. these companies actually hire other companies in bangladesh, all over the world to write these fake reviews. it is amazing to me how far these companies are going. what is at stake here for the company themselves? >> it is not amazing to me. 55 percent of obama's twitter followers are fake. i mean, we have to be realistic about the world. and we have this society where a lot of people are on facebook and think that their facebook friends are really their friends. they're not. so i think that the idea of personal responsibility is lost. and now the government is getting involved. the government cannot even solve welfare fraud and food stamp fraud. now people expect it to solve opinion fraud. but i think, common-sense and logic seemed to be loss in our utopian world. the end of the day companies that lie are just going to hurt their brand. apple just sold 9 million

iphones. we saw people camped out for days waiting to get iphones. i looked at that and say, that is a better indicator of the quality of that product than any online review. gerri: thank you for that. appreciate your time. >> sure. gerri: now we want to know what you think. here is our question. do you trust and use on-line reviews? log on to gerriwillis.com. and if you think the division on capitol hill could not get any worse, house minority leader nancy pelosi says she would not make a single cut to the government's nearly $4 trillion budget. >> the coverage is there. there is no more cuts to make. it is really important that people understand that. gerri: no more cuts to make? [laughter] says nancy pelosi cannot figure out what to come we will do it for her. joining me now, gop strategist and ceo of ripple communications. welcome back to the show.

>> good to be back. gerri: i was blown away by these comments. it is unconscionable to think that the federal government with the massive budget has no plans to cut. how is that possible? >> of course there are places to cut. we hear examples every day. if you went out into any main street cafe in america you find people with plenty of opinions about where to cut. and the bigger issue here is really the entitlement programs and the fact that the democrats are unwilling, unwilling to discuss how to reform entitlement programs so that we can make them more efficient and really serve the people that they are meant to serve which is the issue. was she is trying to obscure by saying theee is nowhere else to cut. gerri: that is a good point and well taken because that is a preponderance of the budget, these entitlement programs. >> overwhelming majority. gerri: we did research on our own and found other areas where you could make cuts. take a look. the tsa is spending three and a

half million per year to store 6,000 pieces of unused security equipment worth $184 million. and the u.s. air force, they have an office of scientific research that spans 681,000 on a study to confirm that man look taller, stronger, and mainly year carrying a firearm. [laughter] and then there is this, and naval research office spent $450,000 on a study that determined robusta not have the ability to maintain a baby's -ttention. they are not good mothers. i'm thinking nancy pelosi, what she's smoking? to me, that is a place, any one of those programs could go out the door. >> and you are exactly right. those are great examples. and we could actually fill reams and reams of books, reams of paper giving more examples of them, and the real issue to me is the fact that we have lost perspective. we have a government -- i like to say we have an encyclopedia government in now with a ph. the government is not kept up with how people live their lives

, how they get information and has not been able to become more efficient in order to respond to what is modern-day life. so we have this infrastructure of government that we are finding that is not actually meeting the needs of the people it is supposed to serve. and so there are these crazy examples where we have built up this government doing things that are no longer the priorities are meeting the needs especially right now when there are so many. listed all of those examples and put them into the food stamp program since that seems to be a big topic of conversation. our medical research, the things that we really say our priorities. gerri: i think the old government could go on a diet. i don't necessarily want to take that money and put it somewhere else. i think maybe spending should be lowered. your point which is terrific. you know, corporate america has slimmed down. they use fewer workers. they tend to use computers instead of people, and it works for them. i have to ask you, the conversation going on in washington right now is

defunding obamacare. do you think, can it happen? and other republicans have tried now for the times to stop. they're trying now. will that work? >> actually, i do not think that it will with all due respect to my republican friends on the hill. it has been a good talking point for them and it is true that there are a lot of problems with obamacare and people unhappy with it. the obamacare program is also tied up in entitlement. there is lot to do with health care in this country that is entitlement driven, not discretionary. it is not discretionary spending. even if we did take -- even if we did defund obamacare we would still have to be funding some kind of health care program which would be mostly to the entitlement program. gerri: we are already finding many, medicare, medicaid, chips, you name it. the federal government is spending, what, three out of five health care dollars in this country. it is astonishing. i want to ask you about another

government program that is getting a lot of attention today. because of this conversation about lower spending which is the national park service. there website promoting his lawns benefits. get this, to women's rights. now, they did not produce this video apparently, but they have been up on their website. it raises the question, what is the national park service during promoting, you know, the image really of muslims. makes no sense to me. what do you say? >> i agree. if you show this to anyone in mainstream america it will ask that exact same questions. why is this the park service jurisdiction. okay. i think that the way they work into it is through the women's rights national historic park. and that is on the site witnesses appearing of what i say, you know, encyclopedia government in now with a ph.

it used to be that in order to learn about the women's suffrage movement and what happened in seneca falls he had to go there and visit and learn about it. now there are hundreds of ways online. but this park service department has to legitimize their existence. gerri: are you kidding me? this makes no sense. >> you're right. gerri: the national park service shut down some parts last year when we had the government shut down. they were closing doors. that should be the priority, running what they have, not branching off into some area which, frankly, i don't understand how they have any interest in whatsoever. >> it is a little bit curious, but i know everyone gets all lathered up. it would be just as inappropriate if it was pro lutheran. this is not a priority. weigh more things to be funding. gerri: but it is not their

business. not that it is ever going to be for the national park service. what do they have to do with that? nothing. >> right. i think you for coming and the show and being with us. good to see you. >> my pleasure. gerri: now we want to bring you the latest developments on the irs scandal. the official at the heart of the tea party targeting is retiring. head of the irs division handling applications for tax-exempt status, lois lerner, was put on paid leave back in may and repeatedly refused to answer questions a congressional hearings pleading the fifth. once again, lois lerner officially out at the irs. since he is retiring in not being fired, her pension will likely remain intact, surprise, surprise. your tax dollars. a lot still to come including last yr "money saving monday" tips includingays to save on your holiday travel. in sing money at the ocery

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♪ gerri: 90 percent of americans, almost all of us talked at our food prematurely because we think we are following the expiration labels on the product this is costing you big bucks. here with survey findings and money-saving monday tips is a scientist at the national resources defense council. welcome to the show. good to see you. you say that we do not understand these labels. what is wrong? >> well, it is not that there is anything wrong with them themselves, but we are all interpreting them to mean that food is unsafe to eat when, in fact, what they're trying to tell us is only that the food is at its fair -- very best quality. gerri: so it is a fresh this label, not, this is going to kill you if you read. less talk of little bit about how much folks waste every year per household dry stuff out that

you can still eat or drink? >> back of the envelope we estimate that households are spending somewhere between 275 and $450 on food that they really did not need to throw away. gerri: of that is a lot. how she views the labels, the freshness labels? is it a suggestion? how should you think of this? >> it is a suggestion for when the product is at its very best quality, but you should keep in mind other indicators like making sure that you get a refrigerated -- product refrigerated the all-time, you know, one food safety experts estimate that leaving a product out of the refrigerator for one hour is like a full 24 hours in their refrigerator. gerri: these levels confuse consumers, and i am one. frankly we are showing no right now. i throw milk out when it grows like coffee, and i don't even look at the labels any more. you can smell when it is bad. it is that simple. are there other test site in use

to make sure there is still good? >> there are. you know, my grandmother used to use one, floating eggs and up bowl of water. they float they are not good to eat anymore, but if they say they're perfectly fine. gerri: these labels, they have some information, but not a lot. what about those things like really processed foods, coca-cola and soft drinks and all of that stuff for you know it will last a long time, canned foods, soups, beans, more important to follow those labels? >> not at all. those are great examples of where there really is just an estimate of when the product will be at its best quality. you know, many manufacturers, it is up to them when they're not to include a date at all, how they, but that and what they're trying to tell you what that date. gerri: thank you for coming on the show. gray stuff and we appreciate your time. greta permission.

>> thank you for having me. gerri: coming up later in the show, fed fears to washington worries. now we have gone from record stock market highs to a string of red in just a few days. next, how do you do that? now is the time to start booking holiday travel. we will tell you how to save money. ♪ faugh

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♪ gerri: attention, if you are planning on flying to your thanksgiving destination, our next guest says you better book now. joining now, mark moved -- mark murphy, a travel expert and ceo of travel alliance media. welcome back to the show. you think people who book early, what do you say? the early bird gets the window seat? do they also get a better share? >> you'll probably get a better fare in definitely get your choice of seats because right now there are fewer seats in the air and more demand, so the economy has picked up, more people that want to travel. that is a peak travel time frame. are the busiest times of the year. i suggest that you get going this week. gerri: what is a sweet spot to booking. >> well, the travel that monday. give yourself some flexibility. if you avoid wednesday and sunday, you are going to basically clear your head of a lot of headaches that tsa and

everything else and get a better fare. if you can book that monday before thanksgiving and wait until the following monday or the following wednesday to come back, stay away from the peak travel days. you will save money and headaches. gerri: and you say it is now until the 30th of september to get the tickets. >> yes. to actually book, yes. right now is the time, this week basically. gerri: t think that tickets are more expensive this year than they were last year? >> up marginally. we are pretty much seeing that year-over-year. the airlines have been doing a great job of raising yields. of course we talked in the past adding on a few. gerri: yes. we talked about all of those. ridiculous nonsense, but the fees for the water. >> i have not heard about the bathroom. gerri: someone out there, creative marketer is thinking

about that. the busiest days to fly, wednesday, november 207th. you know what i'd like to do, travel on thanksgiving, leave early that morning, no one is lying. it is a great time to travel. you get to your destination easy , no hassles. >> i agree with that except if you absolutely have to be there and they're is a mechanical failure or something like that with the plane and the plan does not take off, then you may miss that thanksgiving bird. think about that. gerri: it is all about the food, too. >> well, definitely not the airline food. the thanksgiving dinner. gerri: that's true. less talk about christmas. now is a good time to book that holiday. what is that season shaping up to be like? by december. >> they are going up. whenever you are booking during peak travel time france, spring break, president's weekend, christmas, thanksgiving, air fare goes through the roof because that is where their air fare goes up, a resort costs go

up. everything. in some cases 100 percent higher than it was just two weeks before. if you don't have kids and can travel outside the holidays, that is where you'll find the bargains. that is what you're looking for. if you have to travel during those time frames, i'm going away to mexico for the sixth year in a row. i love mexico for the family vacation. ibook my airline tickets two months in advance. i am looking out. they are not going to go anywhere but up at this point. gerri: if you can travel in the first two weeks of december, that is a great time because not a lot of people are doing it. >> you know what, the offers are fantastic. a cruise out of new jersey on rural caribbean will take you down to the caribbean for nine nights..3 50% cheaper. gerri: love to travel that time of year. great to see you as always. gerri: coming up, forget keeping

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♪ gerri: the markets and your portfolio are fixated on the fed. ben bernanke. the stimulus gravy train is full speed ahead in the market ended in the red again plus lawmakers are going ahead as the government has toward a government shutdown. join me now, chief market strategist, president and chief investment officer for aeg capital and matt.

i will start with you. last week we saw the stock celebrated when the fed came out and said we may not put the brakes on. but then we gave it all back. what will happen going down the road, what is the market trading on? >> everybody thought tapering was going to happen. it did not happen, we were all excited, people bought stocks on wednesday closed at an all-time high. pulling back 1.5% from an all-time high. super concerned about the government shutdown. you have these outside scenarios affecting the market whether it be the fed, government shutdown and all that happens are blips in the longtime bull market. gerri: it is trading on washington, for goodness sake. speak the s&p 500 is up 21% on the year. there's no way we will see in the next two to three months the fourth quarter we are going into that it will keep going up

because now we will be trading on earnings and what earnings you saw in the third quarter. gerri: who do you agree with here? >> clearly my boy maddie. this is the issue, we have been trading on earnings for quarrers. >> we haven't been trading on that because of qe. >> everybody has been talking about the earnings slowdown hurt in the stock market it hasn't happened. by the way it is usually typically a good season for stocks. government shutdown, has the government been working for the last couple of years? gerri: what is the sound of one hand clapping? everybody is so over that story. what difference will it make? will it make a difference for stocks? >> in in the very short term it could.

the market sold off and as soon as the government came out emma they are playing chicken right now. i would hope it goes to the last minute because it'l it will make stocks cheaper in the short term and give me an opportunity to buy it in the short term. >> there could be pressure and they have followed through this time. i think october especially has been a difficult month historically for stocks. >> september is to be the worst month for stocks, we have had a fantastic year. gerri: william dudley is one of the fed officials today talking about his concerns of this budget and the debt ceiling limit and he thinks it will be damaging to the market. what do you say to individual investors who are looking at comments like this and making decisions about their portfolio. should they be? >> they should. the market likes debt.

how many times have we raised the debt ceiling? it keeps going up and the market keeps going up. more that is okay as long as it is the right kind of debt. let's talk about asset allocation. if you are an investor at home you must be deathly afraid of your bonds. you certainly are going to see people gravitate more toward equities putting prices up. gerri: is a good for us to have more and more federal debt? do you really believe that is the way for the country to go? come on, mister. >> this is the deal, there is a lot of worse four letter words then debt. i will tell you what, we all owe ourselves our own debt. china and japan five or a six so the fact we owe ourselves and everybody raising debt around the world, not just us.

>> you look at it like as an american it stings. as a stock investor it sucks. we are here to make money. gerri: like taking a drug every single day. >> i think investors should be careful, but if you have a long-term outlook don't freak out if the market starts going down, it might be going down for five days, but you should stick it out until the very last moment. i don't think this is piling into stocks. i do love the ipo coming in the pipeline. gerri: i want to get you guys to one other issue here. hedge funds marketing themselves to the general public. i get to lock in underperformance. what do you say? >> it is a nonevent. mutual funds are terrible.

i do not suggest anybody owns them. etf are passive. you are betting on somebody, a guy or girl behind a table you have never met. 20% will outperform, 80% won't. you are paying a lot of money. gerri: i asked you about hedge funds. >> go ahead and do that. should be available for anybody. gerri: they perform even worse than the etf. >> you should have the ability to do that. >> they still have to be qualified. a certain amount of minimum assets, however this is just about leveling the playing field which is the point here. gerri: these guys have not done the job, why would you invest

with these guys when they are doing less than the market is? that has been the story for four or five years now. >> they have locked up the individual investor because hedge funds kind of like the roach motel. maybe this advertising saved their bare bottom. who knows. >> they take all the money and they run. i have to go. thank you for coming out tonight, you did a great job, thank you so much. and it is time for a look at the stories you are clicking on. investors worried about a budget battle in washington sending stocks lower for the third day in a row. congress has a week to pass a plan but they seem eternally falfarapart. blackberry agreed to be sold for four and a half billion dollars the group led by the biggest shareholder. fairfax financial holdings.

shareholders will receive $9 in cash for each share. it has been referred to as the canadian warren buffett. apple sold 9 million iphones since launching the new products on friday. the demand for the iphone 5s now exceeding supply. lamarck hiring 55,000 seasonal workers and promoting 70,000 more. as the holiday season heats up but also means the world's largest retailer will be providing more workers benefits. usually making 40% of the store's annual revenue. those are some of the hot stories on foxbusiness.com. we have more, we are not stopping it. why americans say good things ahead for the housing market. the white house has a solution to bring down costs under obamacare but are they sacrificing quality care in the process? stay with us. (announcer) at scottrade, our clients trade and invest

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gerri: the white house is touting obamacare lower premium cost and keeping quiet on the catch insurers are limiting doctors choices. with more on this, senior research fellow of health policy studies at the heritage foundation. thanks for coming on the show tonight. here's the thing that sticks out to me about this story. you're going to limit my choices to apparently reduced cost, but haven't we learned durin doing t with medicare meant care wasn't as good as it could be? >> that's right.

what people need to realize is what is being created here is a market that is really an extension of medicaid. in fact, a lot of those people going onto the exchanges would be in the 100-200% of poverty income range and the law provides for subsidies to bring the cost sharing down to 200, $300 per visit. there is no way they can control cost with the co-pay two or $3. so what they're doing is limiting the net worth. sometimes quite severely. and some was to cut half of the hospitals in new hampshire out of its network. gerri: california blue shield for example limiting consumer options of doctors available on the state exchanged 253% of the doctors so that big promise you can keep your doctor not in california necessarily, right? >> the other thing to understand his who are the carriers going into the exchanges besides the blues? the medicaid carriers. you mentioned california. 12 carriers in california.

of those 12 carriers, nine have medicaid business, five are predominantly or exclusively medicaid, and for our counting government-sponsored medicaid plans. that is the face of the exchange in california. gerri: you keep saying it is all medicaid, what does that mean as an individual? >> somebody will go in, get a plan on paper is very generous, they will pay very little for it in premiums and have very little co-pay. subsidies three, $5 for an office visit, $25 for an ambulance. it cost you more to get a cab in l.a. very low co-pay, little out-of-pocket to premiums. you can only go to a very

limited number of doctors and hospitals that are willing to take very low reimbursement. gerri: these are people that will take less money for their services so are you going to the cleveland clinic, the best hospitals in the country, getting the best specialist, the kind of care where the doctors have the most up-to-date information, they are known in their field? probably not, right? >> probably not. the medicaid managed care insurers are going up. gerri: what does this mean for most people? they will get worst care, won't they? >> if somebody was not getting much care before hand coming argument is any care is better than no care. if somebody has a plan today dropped because of obamacare, they will have very few choices of plans and those plans are not going to have the doctors they are used to going to. gerri: you cannot keep your doctor, cannot keep your

insurance, probably will not get the care you are used to getting. lots of the promises with obamacare not getting fulfilled. tell me next week october 1 on tuesday the obamacare exchanges open up for the first time and they will be a lot of attention on them. what do you expect to happen? >> expects some of of them to only partially open. it looks like a lot of glitches in the system. we will find out the rest of these plans, we don't know who is offering coverage. i don't think there will be a rush to go get coverage, and i think the stories will be like what you are doing tonight, what these plans really offer. they may be cheap to buy, but is cheap the same as good value? it is not necessarily the same. gerri: appreciate your time.

and coming up this friday on "the willis report" we answer all of your obamacare questions. let us know what you are confused about. all next week the users guide is back. this time focusing on obamacare as open enrollment starts and the exchanges open, private sector is also opening next month. you will want to know what your company is doing. all of your information and what you need to know. despite a rise in mortgage rates it seems to just keep getting better. a new survey shows consumers see that trend keeping on. a look at the results next. so ally bank really has no hidden fees on savings accounts?

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gerri: and majority of americans are convinced home prices will increase not decline, increase over the next year according to a new survey conducted by our next guest. senior financial analyst. great to have you on the show and great to have you in the studio. let's talk about what americans are saying about home prices because what they are thinking could happen could become a reality. >> 55% of americans say they expect home prices to go up over the next year, only 9%, one in 11 comments b that home prices o fall. people saying home prices are on the way up, if not they are more likely to stay flat then follow.

gerri: if you talk to the economist, talk to even traders, the market is going down so why are americans so optimistic? >> the love affair with real estate is back. when we asked people what is the best way to invest money, the second most common response was real estate. gerri: what was the first? >> cash, scarily enough. speaks to the risk aversion. people have not warmed up on the stock market at all but have warmed up to real estate again. which on the positive side from economic standpoint housing is adding to the economy so if people think home prices will continue to go up there are more inclined to buy houses. gerri: drive home prices higher. more home building. it is a domino. >> what concerns me a little bit is once again i see the foundation where people could be putting too many eggs in the real estate basket.

we talked about how people don't save enough for emergencies, but if they're doing to their detriment porin pouring all thes in the real estate basket, that is a concern. gerri: where are the real estate rates going next? >> we get a brief pause. they will not pause too far, but we have it chance to catch up. gerri: a full percentage point higher? >> once a tapering starts, it will resume the upward climb. i do think mortgage rates will go up. gerri: will we see another percentage gain by the end of the year? >> i doubt it because the economy is not firing on all cylinders. i would say yes, but short of that economic performance, i have a difficult time seeing that happen.

gerri: i want you to talk about your financial security index. they talk about their own personal financial system. what is going on? >> it slipped in september after six consecutive months people said it is better now than it was a year ago. it is something worth watching with all the congressional wranglings going on. we saw that on a couple of different factors bringing that reading down, overall financial system and the comfort level with debt can be traced to the mortgage rates. gerri: what will they be responding most to? what is going on in the stock market, mortgage rates, what gets the biggest response from consumers? >> let's take a look back at 2011. the last debt ceiling, it produced a stock market correction which undermined confidence. at that point in time we found 40% of americans cutting back on

spending because of those concerns. it could be a problem. gerri: back with the answer to the question of the day. do you trust online reviews? stay with us. my customers can shop around. but it doesn't usually work that way with health care. with unitedhealthcare, i get information on quality rated ctors, treatment options and cost eimates, so we can ke better health decisions. that's health in numbers. unitedhealthcare. you know how painful heartburn can be. for fast, long lasting relief, use doctor recommended gaviscon®. only gaviscon® forms a protective barrier that helps block stomach acid from splashing up- relieving the pain quickly. try fast, long lasting gaviscon®.

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gerri: here are some of your e-mails. he says the task code has been a vehicle to help legislators further their careers and support lobbyists where is the incentive to change it? and note the idea of bankruptcy be an option for student loans. says think about the students will realize i don't have to pay back the loans because i am not working. bad idea. i would go to school especially knowing all i have to do is file

bankruptcy and it is free. that is not the law now, thank goodness. agrees, taxpayers should not have to bail out student loans. we love hearing from you. here are the poll results. states are cracking down on reviews online on sites like yelp. we cannot review yourself but you trust online reviews? joan writes no, don't trust much online. and i tend to give more review page for reviewers who have had to block the product or service. we also asked the question on gerriwillis.com. the 9% said no. log on to gerriwillis.com for the question every weekday. my view these days very few places to turn to for sound advice on basic life choices. go to college or don't go to college. renovate the house. what is next for interest rates, all those questions we all face every day.

today we learned how far companies are willing to go to manipulate online reviews of their services. bangladesh in some cases where they pay people to write deceptive online reviews for our country. outsourcing consumer misinformation. wyou always have to have a skeptical eye dealing with your wallet and that is what we are about right here on "the willis report." looking at the point of view from the consumer. we are trying to help you make sense of everything and next week we will be examining obamacare up close and personal. what will it cost? is the coverage going to be any good at all? the user's guide to obamacare starts next week. as usual we won't be holding back. thank you for joining us. don't forget to dvr the show if you cannot catch us live. we will see you back here

tomorrow. lou: good evening, everybody, thank you for being with us. the fight over obamacare is now i were between republican and democratic parties between republicans and this president and his chief capitol hill ally senator harry reid. invoking cloture to threaten filibusters aiming at pushing about a house republican legislation that would be funded the bank breaking unpopular so-called affordable health care act. a law that even some democrats acknowledge is far too expensi expensive, unworkable and a crushing burden on taxpayers and the world's most advanced health care