closer to her dream you're watching it happen in realtime. i will be here. the willis report is next. gerri: hello everybody. i am jerry willis. tonight on the with this report. consumers dig deeper to pay for obamacare. we dig deeper into sticker shock with out-of-pocket and copiague cost. a new report on the s.a.t. scores how prepared our kids are for college? negotiate a better salary. it is easier then rethink. we are watching out for you tonight. the was report.

gerri: our top story today five days until the exchange opens in the industry shinn is dressing up its version of how much health care cost will be under obamacare. though they say. the critics are blasting it seeing increases will be large for most. we have the details. >> premiums are only a small piece of the puzzle. fit ministrations has offered the most detailed information so far this week insisting it will do what the president pledged. >> it will deliver on its promise to make health insurance more affordable and accessible for american. >> and unfortunately you cannot answer the most important question will my insurance rates go up in 2014? >> schaede cherry pick the data to highlight the fact people of low income will benefit the those of middle

income will not they did not talk about that. >> the new law requires the addition of the essential benefits, a long list of things that must be covered. the manhattan institute analyze rates around the country and found the costs will soar by as much as 99 percent for men did 55 percent for women. >> even if they do get a partial subsidy it will not be enough to overcome the dramatic increase in the cost of insurance, the underlying cost that obamacare imposes on the market. >> the plan will clearly help the very core but one of the factors the administration does not talk about is the deductibles and copiague that will substantially drive up the cost for all except to the poorest. even the cheapest plan known as the bronze will have deductible. >>.

>> a bronze plaque and the premiums are relatively low as hhs said some people will not pay them at all but there will be very high out-of-pocket cost to deductibles will be over $5,500. >> a person with a plan at that level may only pay $100 per month in premiums but the deductible would add almost five under dollars per month more and that does not leaving cal the copiague. so there may be surprises for people who think they will get very inexpensive insurance. gerri: date you so much. if you thought obamacare was a job killer according to president obama there is no evidence to prove his signature legislation is hurting our economy. >> most of the stories you hear how obamacare can not

work this not based on fact it is in terms of jobs there is no widespread evidence it is hurting jobs. gerri: so our commander in chief forgets about the 300 companies slashing either jobs or workers' hours because of the employer mandate. we have the deputy editorial page editor from the wall street journal and ising -- senior fellow at the manhattan institute. we have a list of more than 300 companies how is obama getting this rob? >> wishful thinking. we have community colleges, talking about how this will hurt low income workers because the jobs will be priced out of the market. gerri: i read your op-ed today you said we should just let obamacare under its

own weight? we'll get the law of the and hopefully this will be a real test of several some most precious tenants? >> with that being the entitlements-- starting 1936 with fdr creating medicare and medicaid we have had endless commissions telling us the cost of these entitlements is not supportable. what do we do? we created major entitlement with obamacare. this because of its complexity albee has been reading about has some big problems the american people by experiencing obamacare will decide once and for all will decide whether or not to continue with the entitlement state invested is in as much trouble as i think the fed we can look at

alternatives to the system the liberals have been pushing. gerri: what is the trouble? we hear about the glitches what do you think? >> cost in the individual market people will see premiums double or triple. a lot of people looking at the exchange will find out they're not eligible for subsidies are getting very small subsidies also be i t glitches in colorado, washington d.c. and organ now they announced they are delaying by another month the small business employer. gerri: he also wrote about you cannot do it online? it is interesting because medicare has to talk to medicaid, has to talk to the exchange, . >> to hhs, it to the veterans administration.

anybody involved with a complex software systems will say it is enormously difficult to make it work to make institutions talk to one another hospitals in the same city have a difficult time exchanging information. the department of defense and veterans of the industry should have been trying to create a paperless system they failed after spending 1.$3 billion. they could not do it. gerri: we already have three exchanges not running plus a small business but the state say we're not ready. they say sometimes the software has a glitch it does not even price correctly. what will people find on tuesday as they try to log on to see what is available? >> they said they are just crossing there fingers it will not be a third world experience. people were promised to try

velocity experience. [laughter] gerri: that would be great. >> them or confusion in and ambiguity. >> the private sector and handle this a much better? >> not only that they are already beginning to. walgreen's and i am are sending their employees to private exchanges and have pulled out in creating its own alternative private exchange. this is something to watch as obamacare fails you will see the private sector do what obamacare hopes to do in probably less cost. gerri: talk about the costs associated, looked at the rising individual deductibles the average silver plan and the employer sponsored plan $1,100. what does that tell you what people will think about

obamacare? >> with all the new burdens and regulations on insurance companies and profits they have to squeeze some where where, networks, hospital networks, people can't find they cannot see a doctor when they need wind. especially if they are pushed into the medicaid program up to one-third do not accept patients. gerri: keep your doctor or health care plan. to talk about the glitch a big one opened up today the irs said there are $67 million and accounted for they were to use to implement obamacare. what is going on? >> how are you surprised? this is the government and they are here to help. but there have been many warnings about the amount of fraud that will take place in the government already is not having people that verification of their income into the system as they signed up because they need

tens of thousands of people to sign up for it to work. i think they are panicking they will not hit the numbers. gerri: they already said it will be a soft launch. our own ed henry talk to the spokesperson if he would sign up in here is the exchange. >> will white house staff be involved in obamacare? >> in a future life if i don't have employer provided health insurance like i am sure you do, i would absolutely immoral and it would be more affordable because of it. i thank you will see that around the country. gerri: come on. >> to congressional staff is in a panic because they are required to sign up for obamacare. they have their own system and i saw a memo sent today

that said although the losses on tuesday you have to sign up for obamacare, don't do it we're still trying to get permission to exempt the staffers. gerri: it is ridiculous. we have to live with that why not congress? why airdate test driving it why aren't they the perfect congress or get a pate? >> the should live under the law absolutely congressional staff and the members go into the exchanges and shop for coverage like everybody else. gerri: one of the things that came out was the white house own version of what this looks like, the cost, i read the memo and i have to tell you i was surprised about the number of insurers that were not participating in that the average stay has 56 plants the rages between

six and 167 there are big differences but not a lot of choices. >> it is an enormously complex situation the president has so much riding on this. he has not been spending so much time on this but president obama approval rating has slowly been going down at 42% and that is not a good place to be. if this runs into problems somebody will be hit the democrat of west virginia today and as he wants to delay for one year because he realizes somebody will be blamed if it goes wrong. gerri: why not? companies candelight why not the individual? >> they already have delayed for large employers, a connecticut has asked we could use another year so why not? and admit there are all kinds of problems thank give america one were year to figure out if it will work.

gerri: people say it should fall under its own weight but looks like we are shackled with this. think you for coming on the show. it was great conversation. i appreciate your time. will you be signing up for obamacare? log on and vote and we will share the results. all next week we will bring you the user's guide at the street level to break down the consumer questions. what kind of coverage is available? what is the cost? what is the deadline set? remember the word bailout? if you thought the hero was over think again for the "wall street journal" reports the fha will like the treasury as for cash and $2 billion per day.

dishabille the fiist time in nearly 80 years fha will the bailout did has exhausted its reserves for the mortgages that it backs. the fha gave credit to the borrowers and now they pay the price. i'd like the last round don't expect a bad month dash a big battle in congress the law automatically access the funds. more still to come including information every worker needs to hear how to negotiate your salary. a startling look at the nation's education system why most students are not prepared for college. stay with us. ♪

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gerri: forget not paying for it nearly half of the juniors and seniors are not prepared. to gauge whether a student will be successful in the first year experts say they should score 1550 on the s.a.t. but only 43 percent

actually score that high. 20 me now from the cato institute center for international freedom good to see you. how is it so few kids can do well on the test? >> metal near the doing badly by roughly four decade trend of declining scores or stagnation in we have more than doubled the money we have spent pure people when dash per pupil so it is a government monopoly system that has no incentive to improve. gerri: act was bad. what is the weakness or the hole in the system? the results are underwhelming. >> basically the government says to people you will give us money for these schools.

you have no choice but to pay that so even worse than a monopoly in the private sector at least you would have a choice. so we have a school system that has so -- no incentive to respond to the needs of the kids of the demands of the parents so we should not be surprised and over decades retry one reform that and other but never actually change the fundamentals. gerri: right now a the common core curriculum it has a weird political history because it came from the president now the republicans hate to it that we will prepare kids for a global economy i just want them to read and write. is that working? >> we don't know yet because it is just now being implemented if you look at

the national standards and national standard of the english and math it makes no difference in terms of the outcome. we should be surprised because we have a system that has no incentive because it gets your money if it does well or pour. gerri: it is never tested just like anything else. still trying to deal with it but could common core naked kids more prepared for college is it the answer to this course pc? >> no. we have to go to school choice you pass the many in to give teachers autonomy in make them earn the business all kids our different they have different skills and desires.

those that are at the different subsets it breeds innovation that means constant improvement. gerri: what you can dat is that not all kids go to college may be that tells you to many take the test? is that possible? >> certainly a lot of kids take the test a lot of adults to go a and they could get the skills they need data needed for your liberal arts curriculum. those who go because them federal government gives them that many did have the motivation in david be better off with something at the high-school level with concrete skills for what they are interested in. instead of everybody going to college. >> we have to use a better job. coming up later before you

drop your cash on the twitter ipo into the question how do you do that? we will show you the best way to negotiate your salary we can help. my customers can shop around-- see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors, treatment options and estimates for how much i'll pay.

that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's health in numbers. unitedhealthcare. ...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. gerri: had you been there when you negotiate your salary with your boss? we have tips. stay with us.

gerri: and you want to ask for more money from your boss but that feeling when negotiating your salary looking for that ray is from your current job at 84 percent say they expect candidates in employees to

negotiate their own salary here with steps we have the general manager of salaries .com. great tips for ways to get at this. it makes you uneasy touse sit down with a guy a few hits the check to give either raise the first half to do some research. how do you do that? >> the best thing in the world is to totally prepare yourself. salary.com has been years to make sure people can do that. punching your title, where you live in and basically the fair market value for what you are worth based on what you do. it will tell you if you are underpaid or overpaid or right where you need to be. gerri: that is by region because the price tag on anything from a secretary to dr. is different in new york and tennessee.

, you have to articulate your value to the company. what you bring to the table? for salespeople that is easy to do so house do you make clear your value? >> that is the perfect question regardless of sales or not you have to be able to articulate your toe into affect the bottom line to really think through what helps to save the company time and money? i've taken on more responsibilities or more employees. they will determine where the deserved a raise. that will do you a world of good. gerri: of course you need to know the situation the one

you were working for and what type of financial situation. if you work for amazon the sky's the limit? they are doing great but if you are working for black very good luck for your lucky to have a job. >> that is a good point. so often we forget it is about where your company said its. if you work for a publicly traded company let's hope that you know, what revenues are or if it is private you should have a good idea. if revenues are down or flat your request will fall on deaf ears but if it is great there could be a pool of money to ask for. gerri: the the notion that the door does that mean call myself down? what do i do to take out the law of the -- the long been my throat? >> fear is the biggest driver both men and women

adequately say we hate asking because we are scared. the one thing to remember is you will not be fired 0 percent of reported firing someone for asking for a raise. just remember the date may not be able to see your preparing him or her as much as yourself when you're doing the research and negotiation they have to go after in your behalf they have to ask also said you are in it together. it is not a fight, don't get defensive, a state called and you have earned it so show that so here is what i deserve. gerri: that makes a lot of sense. 84% of employers expect you to negotiate you will disappoint them if you don't. >> 73% respect you for doing that. gerri: that is a good number

to. really? i like that. nice to meet you. gerri: it is never a easy prospect you probably don't have to have too many but the company with the highest paid employees number five chevron and employs a lot of engineers and specialists usually pays 12 percent more than other energy companies. number for oracle. despite the median salary of one of the 2000 italy pays about 3 percent more than others in the same category. number three. google's pays about 17% more than other internet companies. member chooses the system was. the highest paid 80 workers and program managers with a median salary of one today thousand in to number one. microsoft willing to pay for

its talent of the median pay of understand thousand per year. 17% more than that their tech companies if your parent or grandparent of the high school senior you may want to push the technology. help to jump-start your job or get out of the rat should investors expect anything different with twitter? we're looking now for you and your money. coming up.

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capital. second quarter aristotle returns 21 percent. the s&p 500. >> what that data is telling us from when the stock went public until the present it has got a return of 21%. what they are not telling you is how the investors who bought the ipos fair because when people were able to get in the ipo the quickly made a fast profit and sold grabbing that profit even though the stock c rise. the rest of us bought it in the secondary after the profit went up. they did not get that 21 percent return. it is a huge difference between the message returned in the investor's return, and that data does not reflect that. gerri: i have to tell you, it is every game when it comes to ipos, particularly for small investors. let me tell you, if i was an investment banker to work that

goldman and was one of their big clients, i would be happy to buy an ipo because i would be getting in at the press that everyone wants to have. it's does not work that way. here -- >> you're absolutely right. the big guy, the big customers of goldman and merrill and ubs and wells fargo, they can get all the ipo shares that they want. you cannot. uni, we have no shot of getting a hot ipo. in fact, the only way that we can get an ipo at the original offering is of the big guys don't want is, and the only reason they don't want it is it the biggest thanks. if they think it sticks why would i want to buy it? the only ipo you can get is the one that she did not want to. gerri: think about what happened with facebook. what a mess. gerri: a perfect illustration. >> that was so highly anticipated. the stocks did terribly going out the door. trading was a mess.

big glitch is, big problems. here comes twitter. do you think it will have as many problems as facebook? look at this chart. crazy, crazy chart. things fell dramatically, and it is only rebounded months and months later. >> i sure hope that twitter does not experience the same problems that facebook experience. while the worst ideas in history. technological problems car really embarrassing nasdaq an awful lot. i hope that does not happen. regardless of emily need to recognize that any ipo, twitter or facebook or otherwise is not investing. it is a speculation. treat it like a casino. see not invest any money you're not willing to lose. gerri: that is credit vise. i want to show a full screen showing some of the performance of some of these tech ipos. okay. facebook 23%. down 53%. down 54%. i mean, it is a crapshoot. that is for darn sure.

i guess the best thing to do is just wait because ultimately some of these things, if they are worth it they will come back down and you can get it on the rebound. >> better yet, buy a mutual fund or exchange traded fund. they will automatically be put in the stock into their portfolios. you alone in automatically without having to worry about it. no muss, no fuss, no high risk, no high gamble, and it will allow you to have more success -- successful and persistent long-term portfolio. gerri: thank you. >> thanks. gerri: gerri: time now for a look of the stories you're cooking tonight on foxbusiness.com. upbeat news on jobs lifting the stock market snapping a five day losing streak, longest this year. they felt close to the los level in six years. that positive news offset morris about washington. house speaker says he has no interest in a government shutdown but will not simply pass a spending bill expected out of the senate later this

week. majority leader harry reid fount to strip the defunding obamacare provision of the house-passed plan. j.p. morgan ceo making his way to the justice department this morning to meet with attorney general eric holder. details of the meeting were not released, but some suspect the subject was a possible $11 billion settlement to involve charges. and uncle sam working harder to get out of the auto business. selling more shares of general motors stocks. treasurys still was more than 100 million shares. taxpayers around 14 billion in the hole from the 2009 bailout. to break even the remaining shares will have to suffer nearly $140 each. a long way to go. those are some of the hot stories right now on foxbusiness.com. when we come back, look at the best tvs for the football fan in your house, and are you feeling stuck at your current job? advice on getting out of the rut and finding something new. to not go away.

♪

gerri: a tough economy be easy to fall into a job hunt rats. whether you are stuck at your current job or are unemployed and looking for a new one. time that shake yourself out of it. job search expert. we know all about your website. thank you for coming on the show. what we know about the labor force is a lot of people are not participating anymore. a labor force participation rate is only 62%. people just are disappointed in what is going on. they cannot find a job. you get into a rut about how you are looking for the job. tell us about that. >> i think that the second that you start doing the same thing over and over again and nothing is changing. you are not thinking about how you're going to switch it up you could fall into a point where you see this up as which is

really not the case. you just need to switch to be met this. gerri: if you are unemployed you just go slower and slower and slower. when you first of looking for a job is pedal to the metal, 100 calls a day. but as time goes on it becomes difficult to maintain momentum. >> a lot of it has to do with the motivation. it is just demoted -- de motivating. make sure you're setting up points for yourself all long will milestones. break things down into goals. for instance, you can say, i am going to apply to five jobs every week. will reach out to five new context, respond so one networking event. if you are setting a bowles and actually documenting it it makes it easier. gerri: bad yourself on the back. >> exactly. and reward yourself. it does not have to be expensive i get a bubble bath tonight is i get everything done that i was supposed to. gerri: that is a great idea.

one of the things that you say that i think makes a lot of sense is this is a time if you're looking for a job and are unemployed at your personal and professional life have to merge. >> that don't care if your employer unemployed, you still have a lot to do any to figure out how you can work those things in theory one thing is everyone has a smart phones are a lot of people and smart phones today. down on the applications that are related to the job search. it allows you said look at jobs, like the competition. the idea is that you want to be a will to do things you're waiting in line for the vichy star. and make sure the you're taking a networking lori rothman needy's immunizing injured person a time is just one networking. gerri: the reality is a lot of people find jobs for someone they already know or get on the trail to a job through a friend, someone at their church, someone at the grocery store. but still, people do make errors and mistakes. what do you say?

>> i'm going to fix it and change everything, like any good scientist, you change every variable. instead, take a step back and say, what has not been working or what have i not been doing. we always talk about harnessing the power of three. do multiple things defined job leads. apply to a job as a follow-up. engage with recruiters. some people fell into a comfort zone. to the one that feels good to them but may not be as effective where you may be making an and opportunities for. gerri: one thing to do, if you're not getting paid for that and you're looking for the right job, maybe volunteer keeping the skills current. >> and you can put that and iran as a make. and that proves to employers to you are still keeping your skills set up and relevant. >> great stuff. thank you for coming on the show. appreciated. gerri: has still to come, my "2 cents more."

and if you're ready for football you need to be ready with the best tv for your viewing pleasure. we will show you what it is and help you out with that coming up. ♪

gerri: if you cannot make the to the football game, watching from the comfort of your home. "consumer reports" is here with their top tv picks, and there good.

gerri: it's hard to watch a big game on a small tv. football season is here. why not get a big screen high-tech tv. young had to break the bank.

top tv picks. jim wilcox, a senior electronics editor. how must yet to pay to get something these and these this? >> the features that you want and the size. we are seeing 70 canadians tvs. you know, you can spend for 42 inches as little as $500. the bigger tvs are loaded with features of accustom between $1,502,000. gerri: what is a technology that everyone wants right now? what is the best technology? >> lcd tv's outsell plasmas. we like plasmas better for a couple of reasons. that is the choice you have. a plasmid tv is great because it has unlimited viewing angles. very good blacks. very bright. they do have some flaws that we could talk about if you want. gerri: what is the downside?

>> viewing angles. the room full of people that as a football game, there will get washed out color. sometimes they don't do well with motion -- motion. gerri: we are watching the new fox sports network. >> this is called the s t 60. the thing that we really like about this tv is they have to hire and tv that is about a thousand dollars more. this gives you almost everything that we like for $1,500. 60 inches, plasma, great viewing angles. a couple of cool features. smart tv and this thing called -- you can actually swipe content from yourself, tablet and send it to the tv or content from the tv. it is pretty cool. the second screener. gerri: i like the smart tv. that makes a lot of sense. you swipe? >> those of your kid. gerri: that is totally cool. so we're talking about today, consumer reports has tested and

the like. is there a downside? >> the only downside is sound. as tv's get thinner, while we notice is the sound starts to deteriorate. this tv does not do especially well. if you will by this tv comedy as sound bar or an external sound system. gerri: you will talk about the samsung. >> short. a bunch of different series. midline series called the f5500. we reviewed the 54 is tv. again, we like it. plasma, excellent picture quality and as smart tv features. one other cool thing, it lets you use your tv remote control to control your cable box. >> this deal. >> they have made a mark by trying to offer features that lower price. end series. some of the older tv's did not look so snazzy. this tv looks much better. again, very good picture quality.

again, lot of features, smart tv. gerri: else you. >> a lot of tvs as well. we picks the midline series. it has a lot of features. one of the things that we like to might as a good viewing angle. goes really well and is one of the few tvs that has good sound bite out of the box. gerri: all right. here is the $604,000 question. what television the you have in your home? >> i own more than one. i have another pioneer which was state of the art. gerri: you have all. is there anything you personally recommend? >> i love plasma tvs. it does not permanently burn in. it will go way after while.

gerri: good to know. "consumer reports" rocks. we will be right back. get paid to do something you really love, what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architect. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪ ...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...

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gerri: five days, just five days before the obama a stages go live. we ask that question. 4 percent said yes, only 4396 percent said no. here are your e-mails. great program on health care. of bail of secrecy that absolute least daggers' our access to appropriate health care at a fair price. nothing free-market about it. a mildly complex situation has become incredibly complicated and totally dysfunctional. jerry, i have been watching your show for the last few months and have never learned some much from one show. you are doing a great job. keep it up. and finally tonight, desperate times call for desperate measures apparently. earlier today we talked about the new links that the obama administration was willing to go

to sell obamacare with just a few days before the rollout of the exchanges, the news has not been going the administration's way. computer glitches, more delays, not to mention the millions missing from obamacare / find. it is crazy. these are just distractions. in order to distract the american people from the so-called distractions the white house has been busy tweeting out these pictures. here is one. do not be as at a panda. health-insurance marketplace is open in five days. did all of your ducks in an adorable row. really cute. not exactly the pinnacle of marketing genius. there is an old saying. if you put lipstick on a page is still a pig, or in this case a panda or even a duck. that is my "2 cents more." that is crazy. coming up tomorrow, we will torre local farmers' market with celebrity chefs. find out how to shop for simple, healthy ingredients. the best part of all of this, go

and make a tasty dish. that is it for tonight and "the willis report." thank you for joining us. have a great night and we will see you here tomorrow. ♪ >> good evening, everybody. thank you for being with us. i am lori rothman in for lou tonight. president obama back on the campaign trail trying to sell obamacare to the american public again. nearly four years after was passed in the law the president's hyper partisan speech coming as house republicans and senate democrats continue to squabble over the details of a funding bill that would keep the government from shutting down next tuesday. the clock is ticking. the president is blasting republicans. obamacare critics and fox news all while disputing irrefutable evidence that his signature health care law is hurting job creation.