to it in tomorrow we will find the weather georgia georgia tech. the obamacare crisis grows. people's shopping on the website hated, and yet people want nothing to do with it. also, fighting with an x about money. there is way to do it right. we will show you how. we are live at the l.a. opera show with expert reviews of the best new cars out there. we are watching out for you tonight on "the willis report." welcome to "the willis report." your show, your money, your voice.

tonight your out of control government. fresh, new documents out now obtained by fox news revealing even more red flags of obamacare was not ready for its big october 1st launch. just days beforehand. this despite repeated allegations that the president had no idea. what is worse, e-mails by the top brass reveal different ticket tried to spend the news to the public abandon -- now, what he was saying is that the white house has fears about hc. this is just days before the october 1st launch. can you think about a better way to convey to the public when a site is not available. the scene now goes on to say

that they can imagine that the -- that the media would have a field day taking screen shots of the website that did not work. response and reaction. >> the media did have a field day. and not just for a couple of days. and when on for months. this is the triumph of the combination of year and overconfidence that just around the corner there will be a solution that will fix everything. the government for its really did not have a handle on what they were doing. gerri: i think that is particularly clear now as we get more and more evidence that there were signals from the mackenzie which report for the administration telling them that this was i was not available. now the white house on advises

raising the red flag saying what, this does not look like it is ready for prime time. of course we all know the results. we on of the impacts. the president dealing with insurance commissioners, many of whom as many as i can count, 15 who have balked at implementing the president's suggestion of allowing people to sign back on to health insurance that they have already had canceled. here is what we're hearing today from these insurance commissioners, what they're saying, it creates a level of uncertainty. the president is asking, this according to the national association of -- association of insurance commissioners, the regulators, the people who know how this works. obama, what you would like to do to fix this problem makes everything far too uncertain. what do you think the impact is jack. >> absolutely right. not only uncertain, but essentially impossible. there is less than six weeks before january 1st.

on january 1st we will see millions of people who won't have insurance coverage even know they were buying it this year. policies are canceled. essentially what the insurance commissioners are saying, let's not do this it is not practical. they cannot do it. it will upset the exchanges. what that means is that the insurance companies will need to be bailed out. that is a critical point. we are going to see a big bailout if this goes forward. gerri: i think you are talking about a tax that has been levied on insurers and on the policies that they're right. this will allow, if they lose money, insurance companies to get doe, get taxpayer don't ultimately. let's get back to the issue at hand. that is what the white house knew and when they knew it. it seems to me -- wonder if you agree, the white house essentially just crossed its

bankers and waited. hope that it would be okay. >> i think that is exactly right they did not do what is called an end to end test until two weeks before. the system crashed. crash. it was not ready. i was not ready. i think it is worse then cross your fingers. gerri: it crashed during congressional hearings. today the head of hhs, health and human services, she was out promoting the website in miami. here is what happened terror she is trying to get people to embrace this website. listen to this. [inaudible conversations] >> temporarily. gerri: temporarily down. if you listen to the rest of that piece of tape, what the

navigator says is, it happens all the time. when is the administration going to finally sobered up and admit what everybody else knows, obamacare is not working. >> you know, that is a good question. they set december 30th deadline for themselves. is obviously not going to be working and. they are hoping that somehow people are going to ignore the statements that they just made two weeks ago. this is, november 30th, it really does not matter. already in the nile mud. what is going to happen is people will roll into january. there will be terrible stories and all the local press about people who are going to be charged enormous amounts of money because the website does not work in the loss their

coverage. it's terrible. gerri: there is no way to square the circle because you cannot get the work done in the amount of time left before the legal deadlines. you're putting the american people in a terrible position, making a break the law. and it is the government's fault. is unbelievable. a just want to read this quote that you mention. the 30th of november, it is not a magic show. it is a work of constant improvement. very specific things that we need to complete. that punchless is getting knocked out every week. i wish i was this optimistic. are you? >> not at all. the punchless is growing every day. the computer systems rule, when you fix one thing you have detested. we will interact with a whole bunch of others, parts of the system. and so every time the fix something he testified more problems.

so it's growing everyday. gerri: unbelievable. what an embarrassment. i don't know what tomorrow will bring, but i'm sure we will cover it. thank you for coming on the show appreciate your time. >> sent you. gerri: competition is heating up for your dollar this holiday season as big retailers sacrificed their bottom line big time to get you to spend. here with the hottest deals on electronics, auto analyst for all things to settle. great to have you back on the show. thank you for coming on. here is what is interesting, all these big box retailer is a lot in this huge fight for our dollars. so good for consumers, bad for them. where is the were going out? >> it is really going on between walmart and best buy primarily. best buy is just beginning to come back out of the bit of a slump. stock prices. gerri: terrible times. >> walmart is ready to it the really hard with the one thing that it knows what to do, cut prices. gerri: exactly right. even best buy stock trading down

. stop cutting your prices. at the end of the day's earlier profit. >> it really is about profit. it all has to do with how much of it they're willing to take on those little thin margins that they get. already thin to begin with. gerri: less talk about some of the hottest deals. everything is on sale. what other best deals? >> really good deals on tablets, tvs. i think best buy is giving away a gift card. that is one that stuck up to me. it sounds like a better deal if you get to the apple store itself. gerri: best buy trading deals. a hundred dollar give card if the trading used iphone and ipads. check that out. that is good news. and walmart has an ipad mini deal theory of $100 gift card with every purchase.

>> this is the time to be a consumer. training consumers to expect it. kendis stuck with it. gerri: they are reaping what they so, but we expect sales to be lower than last year. eager to begin. they get their sales early, try to book it now rather than waiting. >> exactly. the other thing that they're hoping is they buy a gift,. gerri: i love that. less talk about the place station. that did not know this of us on the profits. someone like hot cakes. the retail price, 399 box. >> the story, in hopes of making a bomb the game. better this time around. there were taking a $200 bath.

this time it's only about 18. an improvement. hoping that you're going -- hoping the you're going to die that council and make it back on the game. gerri: contrast this with the ipad there. the retail price, for 99. totally different story. how does apple maintain these margins. >> apple does not haggle on price. they stick to the price. >> walmart and the spine. as a retail specific deals. gerri: two things. first of all, a better deal if i wait. >> i would be looking -- actually looking and walmart. the supply chain, then no had to move the prices. better than in print deals.

gerri: you feel like they're going to have the product because one thing people worried about, only this time, the press will have been good, but i wanted what i want. >> the one thing that i advise people to do a shop online, if you're not the kind of person who wants to deal with crowds to my very often not. if the step to look into your door and don't worry about it. gerri: everybody. amazon is trying to match these prices. a big deal for consumers. thank you for coming on. welcome more to come this hour as we look into a crystal ball and predict where stocks are headed next. we wrap up 2013. coming up, obamacare, a government shut down. will washington keep us from having a holly jolly up the season? stay with us. ♪

>> never underestimate the power of the holidays to revitalize our collective spirit. even now many families continue to struggle financially, and there is a single never-ending state of contentiousness in washington of americans receive this time of the year as a beacon of cheer and optimism habib bank slipping. nine and ten, 27 percent are actually telling us they expected to be happier. gerri: and not surprised. americans always pretty upbeat.

they will be pretty cheery. it will boost the economy? >> says a good question. "covering your assets" intend shoppers will spend the same as last year. 33% tell us they plan to spend less. there is that optimism. gerri: i am not sure that people actually tell pollsters the truth. they often don't know the spending plans. it is a mystery. you're hearing about their intentions. it is intentions. >> for example, we know that about 30 percent of people tell us there will go shopping on black friday. a quarter of the population will shop online. very important time of year.

one less week to shop. they sieving is extraordinarily laid. it could be a make a break black friday because of a shorter time people don't know. when they get out there, we will know more at the end of next week and 56 a report today that people are not paying off their credit cards as much as they usually do. will they be using cash or credit? >> it is split 5050. here are a couple of interesting things about cash and credit. one indian people are still carrying credit card debt from last year's holiday season. when we ask people, you know, about how much you expected charges year, they told us about $650 is the median. as 275 more than they put on plastic last year. the interesting thing may not be that americans are getting themselves into more credit card debt. the more you shop online the more you need to use things like credit cards, maybe debit cards.

but the interesting thing if you do use plastic is that you run the risk of really just overextending yourself. you have to be very, very careful. a lot of people so as the reason they're using it. one of the number one reason some because they love those rewards. so maybe they're getting something added. gerri: they're getting a big headache. i will tell you what it is. one more thing before you leave. make you do double duty. i just want to remind people about to check data website. if you're shopping this holiday season. you know as well as i do that this shopping will start this weekend well in advance of cyber monday. what should people look for if they want to get on a legitimate website? >> this is a critical thing. just because of website looks legit does not mean that it is. some scams are set up to steal your identity, your credit card information. others sell counterfeit goods. then there are those that engaged in unethical practices. we talked about this before.

they do you win a promise of a low price. the unbundled the camera from the lens. read the fine print in the details. look for that secure padlock, the one of the web address that begins http s for secure. those are things that francis cannot trick about. use well non reputable retailers the user reviews. but not for individual bad reviews but for patterns of suspicious behavior. i usually shop with people i already know. >> me, too. gerri: thanks a bunch. and later in the show, a personal story about how obamacare is serving one man's business. next, the s&p 500 is up around 25% this year in 2014? i hope the latter. ♪ hi honey, did you get e toaster cozy?

yep. got all the cozies. [ grandma ] with n fedex one rate, i could ll a box and ship it r one flat rate. so i kn untilt was full. you'd be crazy not to. is tt nana? [ male announcer ] fedex one rate. simple, flat rate shipping with the reliability of fedex.

♪ gerri: is there a federal taper on the house rise in? with this news could mean for your stocks in the new year in 60 seconds. don't go away.

♪ gerri: then as drive this afternoon after news came out the federal reserve could taper in the foreseeable future. this comes after the s&p 500 has been booking double-digit gains. what does 2014 hold for the

market? joining me now, david magdalene, ceo of metal many financial group. welcome back to the show. we are getting a lot of mixed signals. yellen, bernanke about what will happen next. this news today was not taken well. the market came down and it. does it make sense to you? what did you make of this statement? >> well, for five years we have seen the stock market march higher every time there reenforced quantitative easing. and we really should be concerned if they do tapered. you look at the economy. it is not quite to the stage of recovery. you look at a record low rates both here and overseas. that is really an indication of how unhealthy the economy remains in need of that kind of extra measure of support. selecting a 2014. gerri: wait a minute. just a secondn this issue a because a lot of our viewers,

hear from people every single day who are very concerned of what the federal reserve has been doing in the marketplace. they believe, as you just said, this is what has been holding the market up. they are extremely worried about what happens once the fed takes away the punch bowl. now, yellen has been saying she woman to death, and it will be happy times from here to forever i have to think at some point we will see tapering and then we will see interest rates cut. what happens to the market and how quickly could that happen? >> you know, we have the strange and unhealthy dependency on cheaper rates and asset purchases. i think yellen is correct that there is really not an ability to do that as of yet. a major rise in interest rates. the get the interest component of the national debt. this last year for 2013, estimated to come in at 250 billion. surprise to the upside. the white house estimate up to 50 was blown out of the water.

interest on the national debt. the fed cannot allow interest rates to move higher. there is one line item. gerri: that's right. >> total revenue. >> that is a great point. you are not bullish on stocks. with this issue with the fed, tell us about your expectations. >> well, there is the fed issue, the amount of margin debt that is in the market today. new all-time high, 400 billion in margin debt. the only it's time begun to discount levels was 2007 is before the market rolled over. the year 2000 just before the market rolled over. $400 billion of liquidations. that is enough to get an avalanche going to the downside. gerri: all right, david. i will give you push back. here is what the bulls say. the bulls say after you have a big year history proves that s&p

500 up 26%. four. 5%. again in 1995. a stellar 34% run for the s&p 500. next year again 20% increase. the history another good year. >> that the men all of those years, there was an extraordinary time of growth. stock-market history encompasses more than the 90's. i think you look back and actually in overvaluation there has only been two years where stocks have been overvalued more than they are today. 1929 and 1999. >> trading at each. we are not overvalued. >> closer to 20. if you look at the cyclical adjusted.

schiller p. the schiller pe is close to 25. so arguably we are at about 15 to 70% depending upon whether or not you want to look at tobin skewer the cyclically adjusted pe. those two measures will put a summer between 50 and 75% overvalued on par with where we were in 1907, 1937, 1968. gerri: you're making me depressed. >> to 79 and 99 metrics. gerri: i have to tell you, interesting stuff. and fascinating. a lot of people are debating this around the kitchen table these days, not just on a wild streak. thank you for coming on the show. great stuff. thank you. >> thank you. gerri: and time now for a look get the stories you're clicking on tonight on foxbusiness.com. as we just mentioned, the dow and the snb turning lower after being in positive territory for most of the date for. stocks opened higher after a surprisingly large jump in retail sales and better than expected earnings from j.c. penney. but the fed may be the reason for the red. minutes released today from the

central bank october meeting some members are not on the same page about the economic stimulus in bernanke said yesterday that the fed will likely keep its short-term rates low even after unemployment falls below six and a half%. and washington is likely to blame for the fact that you're america -- your americans bought existing homes. dna arses on resales fell more than 3 percent last month due to rising mortgage rates in the government shut down. a lack of inventory also partly to blame. and bad news. thanks to a host of new menu items, mcdonald's says it will be offering the pork sandwich nationally this year. mcdonald's says it is leaving it up to local franchisees' to bring up the madrid. those are some of the hot stories right now on foxbusiness.com. next, obamacare is not only forcing insurance companies to rewrite the rules, it is also changing the way they run their businesses. and coming up, two of the

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♪ >> from our fox business studios in new york, here again is gerri willis. ♪ gerri: well, the president trying today to sway state insurance commissioners to go along with is a obamacare fix. the insurance industry is on the fence to 923 plus years of preparation with the new year and about six weeks away. with more on this, vice-president of janney machine associates. thank you for coming on the show. great to have your you read here is with the naic said, the folks that are the big regulators. they say what the president wants you to do, once the country to do creates a level of uncertainty in the marketplace. is that a nice way of saying it is bring us up?

>> yes. we've spent the last three and a half years preparing for the state. and we have been spending a lot of time with our clients and explaining to them the changes that are coming. now middle of november we have already been discussing in the have already actually made plans for january 1st. and now the potential of that unraveling is unnerving. we would obviously create a lot of work to unravel it. gerri: create a lot of work, but is it possible? can you even get it done that quickly? what is create tension and stress in the industry? can you tell your clients about the changes quickly enough? would you have to raise prices? >> the first thing is that all of these plans and prices would need to be approved by regulators which is a process that does take several months. and quite honestly it could take close to a year. so the first thing -- gerri: that means it won't happen in that time frame prescribed to begin with.

>> exactly. the carriers would first have to price out the products. then there would have to go to the insurance regulators for approval. and then once it is approved -- gerri: in the market. that is something that usually takes 12 months. >> the full cycle roughly yes. gerri: we are trying to compress it into six weeks. the likelihood of that if. >> lunch and non. gerri: even if you want to. even if you were trying full metal it would still be super difficult. now, you say you have changed your business model entirely because of this. are you looking at new streams of revenue? >> well, it is an opportunity because there is so much complexity built around the affordable care act. it gives us an opportunity to show our expertise in a particular area. that is, complex and getting more complex and a daily basis. i think now more than ever individuals and businesses need a service of an insurance agent and broker.

gerri: so basically the federal government is taking your job. aren't they? are they saying, well, go to the website be reconfigured out there. doesn't that mean there is no need for a broker? >> on the surface it does. buying health insurance is no different than my airline ticket. so many factors. may be sure your doctors and the network. making sure you understand if you're buying a high deductible health plan someone can go online and pick the cheapest plan out there and not really understand what they're buying. quite honestly i would think that they need the device. gerri: i think the white house could have used your advice. they did not think it was hard. thank you for coming on the show. appreciate your time. in a fox business alert. we like to give you a heads up. we came across one today that

almost flawless. this was not your typical fishing e-mail scam. this is a very, very good and convincing one. it looks like a legitimate e-mail. normally you can spot these bogus e-mails a while to of a mile off. bad grammar, misspelling, sketch and looking website. this e-mail has links to the real wells fargo website imbedded it. it asks for updated account information, address, social security number. what it does of is when you hit the submit button the information did not go to wells fargo but to a computer server in hungry. bottom line, never give out your personal information to an unsolicited e-mail box. scam artists love this time of year. keep your guard up. don't get full speed and we come back we head out to los angeles for the l.a. on the show. some of the cars making there debut. we answer the question how you do that. some advice on how to talk to

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♪ gerri: you know, this is the truth, arguing over money, one of the biggest driver store divorce. getting a divorce does not mean the fights are over, especially with your ex and about money. here to discuss money, family law and divorce attorney. thank you for coming on the show. we know this goes on all the time. but what is it that the people are arguing about? is it the money? out -- what is the context? >> most disputes after people get divorced after do with children-related expenses. for example, extracurricular activities that are normally ot covered within the child-support have to be paid by some of the

parents. someone has to pay for it. someone has to pay for soccer, someone has to pay for baseball. and the spouses paying child support and now someone comes to him and says any more money, that is when disputes arise. gerri: okay. how do you stop these fights? >> the best way to deal with it is to put yourself in a position where you do not have to have the discussion. the best way to do that is that the details of an agreement. any expense that you can possibly anticipate in the future needs to be in the agreement. there needs to be a determination as to what activities will be paid for, if they're is a historical payment that was made because the child had played soccer, anticipate that it will continue. maybe there should be a limit on the amount of the contribution. gerri: i think that is a great idea. planning ahead is always a good thing. sometimes i wonder if these people -- they actually arguing about the money or are they are doing to argue? are they are doing because they are still angry over the divorce

and this is just one way to talk about it? >> well, that happens frequently what we see most of the time is that people are tired after going throughce. it is a very emotional process. people pay a lot of money. they are tired. things kind of settled down after everybody knows what the post divorce role is in the expectations. again, the best thing to do is not to just have a quick agreement just to try to get it over with. anticipate what the future disputes will be so that you can avoid having these battles in the future. nobody wants to pay more money after it is over. no one wants to hire lawyers any more. what the deal is so they don't have to continue. gerri: and continue to bicker. you know, i think there is lesson here for those of us still married which is what do you know as a divorce attorney that could help people who are struggling with money issues? how do you talk to each other? what should you be doing so that you can avoid divorce court?

>> well, obviously, like in many things, communication is key. everybody should know what the expectations are, what the financial ability is to pay for certain expenses during the marriage. many spouses are secretive about what they do with money. and the other spouse finds out, that is when problems arise. be open about it, talk about problems, use the collaborative type of process. the more secretive you what the more opportunity there is for dispute later on which can cause the disintegration of a marriage quickly. gerri: it is good advice. harder to put in practice than it is to talk about. thank you so much for coming on the show. we appreciate your time. thank you. >> thank you so much. gerri: now we want to know what you think. here is our question. what do you are you most about? case or money. log on to gerriwillis.com, on the right hand side of the screen. was share the results of the end of the show. still to come, my "2 cents more" spam next, the kick off to the of the show's season.

the l.a. other shows opens its doors. you will want to see this. live in la la land with gorgeous ♪ you really love, what would you do?" ♪ sites♪

gerri: talk about writing in styled, the slickest and hottest cars live from the annual los angeles auto show coming up in two minutes. stay with us. ♪

♪ gerri: rev up your engines. the 2013 l.a. of the show is here. this is where carmakers show off their latest and greatest creations particularly luxury

creations. let's get right to it. joining me now, the car coach herself for joins us from right there on the floor. i just have to say, you are probably the happiest woman in the world right now. just my guess. >> yes. this is like heaven for me. i love it. any other show season. gerri: we have been seeing shot spirited looks fantastic. what is the big innovation? a lot of crossover spirit everyone wants to sell those. >> a lot of crossover. that has become a popular segment. a lot of the cars, especially in california. you have to sell more than 2500 cars. you have to have an electric vehicle. tester visited the bmw i3 coming out late 2014. it has actually made a compressed class. it is like a fiberglass look of the interior. has, of course, bamboo, of

recycled. it is very creative, very intelligence command this is a car that has a range extender as an option which is what i would do because i actually tester of it. 55 miles on a full charge and did what it said. that is nice. have to give the major credit on that. it is bigger than the smart card. i would say it is like a fourth focus, something in that range, but it was a really nice car. i sat in the back seat. plenty of room. i am 5-foot eight and was able to get in without money sitting. gerri: the chevy colorado. tell me about that car. why is this one important? >> that is a midsize truck. actually a very important segment. concord by toyota tundra. there really don't have any competition because of the full-size truck market. this now opens up the opportunity for gm to take over and fight against toyota. better vehicle. they all say that.

so far is a good-looking truck. nice to see gm has wised up. a market that is an untapped for them to be that think they will do very well. it is a smart choice. gerri: everyone has been talking about this and wire s type of a long. the pictures are incredible. what do you think? >> oh, yeah. it is incredible. the car wash was read. you know, we are talking a premium version. over $100,000. a six cylinder, a cylinder as well. so you have some options. the car is beautiful. it goes head-to-head with the aston martin market. if you are looking for a high-end sports car this is one that is ahead turner. very aggressive look. lots of detail. and jaguar really put a big step forward to say we are here to play and we are not playing around. this is a performance car. gerri: i just want a poster of the car. i will never own it. i would like that 12 year-old.

gerri: okay. before you go, doing something really interesting, rolling out a lot of stuff at one time. >> well, a smaller car that would fit into the small car segment for people that wanted to into the air and marketplace. what do we do? we will create in a three. they got four. one being the original a three which is now less. >> reporter. they have the f version which is a sportier version. an easy version and a diesel soot. so no matter where you live in the country, whenever your personal choices, they will hit that mark is strong. there will have a wi-fi car. it will be forced you which is great. and it also has all the ads already built-in with over 7,000 different radios. so you can listen to fox business while you drive. gerri: i love that. i love it. thank you for coming on. i wish i was there with you. next time. it sounds good. thank you so much.

well, the l.a. of the show, high-end luxury cars. if you are a dreamer and money is no object some of these cars could be yours. in tonight's top five, on the week, best luxury dream cars. number five, and aston martin vanquished. just like james bond p $2,803,000 car with a v-12 engine. my lord. number four, if rory 45 a special. although because of the most powerful story to date going from zero to 60 in three seconds. you just have to be prepared to hand over 320,000. the number three, the porsche 198. a good-looking sports car. topping speeds of 240 miles-per-hour. you do that with a v-8 engine as well as to electric motors. all the bells and whistles. 845,000. number two among the maclaren p p1. look at that. may look like a spaceship but as the topic of a million dollars

sports car. million dollars. nearly 2 million to be exact. and the number one luxury dream car is this, another ferrari. but only 500 of them were made, and there are already sold out. with drivers selling of more than $3 million per car. if you're looking for something a little sweeper to other gm cars into the bentley or rolls royce do you only have to spend 200 grand. we will be right back with my "2 cents more" and the answer to our question of the day. what do you argue most about with your ex, kids are money? stay with us. ♪ stick with innovation. stick withower. stick with technology. get the flexcare platinum. new from philips sonicare.

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i could ll a box and ship it r one flat rate. so i kn untilt was full. you'd be crazy not to. is tt nana? [ male announcer ] fedex one rate. simple, flat rate shipping with the reliability of fedex.

gerri: earlier this hour we told you of some of the best way to talk to your spouse or ask about money. what you argue most about? your kids or your money? we asked this question on

gerriwillis.com. 68% but it's all about the money, 32% said it is about the kids. a logon every weekday for a question. there is no doubt about it. online shopping has its rewards. but these days you have to be careful when and where you shop online. that is because retailers are eager to get access hear every detail to better market to you and sell you more stuff. case in point, a 4500 word privacy policy, making it clear that they are interested in getting more than just a sale from you. the truth is if you allow them, they will peer over your shoulders to see your shopping habits, your location, and even your social networking habits. even your photos and phone books , bottom line, keep your personal information private and check out the privacy policies of the retailers and just say no

to requests this information. that is my "two cents more". that is that for tonight's "willis report." thank you for joining us and don't forget to dvr the show if you cannot catch us live. we will see you back here tomorrow. [applause] ♪ lou: president obama's public approval rating has sunk to the lowest level of his presidency just one year after being reelected. his public disapproval rating has risen to the highest level of his presidency and unfortunately for the president, there is no evidence of a political or policy success either at home or abroad. the mako. ♪ lou: good evening, everyone, the obamacare train wreck in the president's efforts to mislead congress and the american people continue to take a toll on the president's