guys anymore. two icons made to make you into a craftsman. i am jeff flock on weekend. "the willis report" is coming up next. ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" consumer relief or blatant union to know. watching out for you tonight on "the willis report". ♪

gerri: welcome to "the willis report." your show, your money your voice. tonight another delay in obamacare. this one is intentional. this time open enrollment deadline is being extended by a month so that it can get past the election. people can't cancel the election time. with us now, steve more from the law street journal editorial board and dr. scott gottlieb's, former policy for centers for medicare and medicaid services. welcome to you both. i will start with you. let me read you what the obamacare administration is sayingbout what is essentially a 30 day delay. they say it is to give insurers the benefit of more time to evaluate there experiences during the 2014 plan year and allow them to take into account those who may enroll late including youngdults before setting 2015 rates. >> that is probably right because the insurers are going to have a hard time submitting

bi. >> there were not going to have a lot to go on. e administration is worried. this hurts consumers. there will have wait. gerri: calling me skeptical. this is a bold political bid not to get in trouble at the election polls. what do you say? >> it think? getting that is absolutely right. when i talked to democrats on capitol, what they're telling me is that love to put this off after the 2014 election. i think that the entire law may actually be delayed. gerri: really? the government is saying there is no way we will do that. what is your evidence? >> my evidence is that nothing is working. yohave people not signing up. insurance companies are falling

out. the only pele who are signing a bar six people. you are getting an incredible problem. more americans do. the problems this. it is not as if once the web sites are up everything will be wonderful. go to the web sites and shop around. a lot of americans will find is not such a big deal. gerri: steve describes adverse selection. california, the enrollees. 56 percent of enrollees were within the ages of 45 and 64. the general population of california, 25 percent of the population. so you see, there is adverse selection isommanded israeli people whore older who are signing up. >> they are holdg up california. the numbers actually look quite bad. only 16 percent of the people who enrolled. as an indication tha people are paying a lot of money for pns

because they know they will need the health care. they're getting a terrible adverse selection. the plans in that market, they will have a difficult time. gerri: the stick a look in some of these numbers. some of the highest premiums under obamacare for a family of four. north dakota, the numbers of. taxes of 30%. indiana up 25%. look at this numbers. these are astonishing, the increases that people willace. to your point. once people actually can't sign up and get through t process and figure what they will owe it will not be ptty. gerri: you think people i'm at now, wait until they can go on the website. you ow, i think that it is especially young people that i talked to, people under the age of 30 without that this w going to be something that was actually not cost them anything and might actually be a bargain. they're finding just the opposite. are yoold enough toememr

when president obama -- gerri: that is not the nice thing to ask. >> when they said this was going to save us up to $500. now is costing us. gerri: it seems like that was a long time ago. so many promises i mean, to your point command of want to hear what you have to say. making the point that the promises have been so blown. what we were trying to achieve, so unquestionably -- mistakes made, not even close. is there any way thathis entire law can be put on hold, held back, stopped in its tracks. >> i think they are dermined to implement this. the biggest problem is if you can keep your doctor. people will find out. i found a plan and fled only has seven pediatricians for account to a 250,000 kids. these networks are so

restrictive. it will be hard for people to keep their doctors. the information is not available. they are enrolling not knowing whether their doctor is in our have network. doctors in a study to drop out because they're cutting how they pay physicians. gerri: to that point, let me mention something. a story in the "washington post" today. insure are cutting back with pay doctors. we are going to give you 40 bucks for an office visit. you know, there are two things going on. first of all, american doctors are the highest paid in the world. there are not enough of them. you d don't cut the price. >> the reaaon the highest pay for the most part is because their the best. i have always said we have the best healthareelivery system in the world even though we have a crazy way to pay for health care. you are exactly right. people will become more and more kind of disgraced. what this is sounding like, what you just described, doctors are

pulling out. some hospitals are pulling at of exchanges, that sounds like medicaid. medicaid you have a lot of providers. you get the insurance coverage, but no one will take it. gerri: absolutely right. you are a doctor. what is your reaction? do you go concierge? >> hard to do that. he looked at the race there being paid right now, somewhere in between medicare and medicaid rates. these will end up looking a lot like medicaid n works. you look at the same is, the plants that employ the most inside these changes in the medicaid plans because they already have the chief networks. gerri: to that point, speaking about her experiences with the system. here is what she had to say. >> i would like to be able to make my own choices. i don't see government medical benefits as being any better than what i have.

yet worse. and so i would feel like a second-class citizen. gerri: steve hopkis wanted to sign up for obamacare. she had a plan, wanted to see what she could get. she ended up on medicaid. did not wann to be there. no desire to do that. now she is mad. what do you say? >> i wish i had a dime for every time someone told me that. they signed up for obamacare subsidies and have been essentially put into the medicaid system. a lot of americans are not familiar with how bad it is, but let me give you some examples. the mayo clinic, the best health care -- i mean, the best cancer treatment in the world does not take medicaid. in some cases it does not even take medicare. yes, you get health insurance, but you're not getting health care because a lot of these doctors and the treatment centers wanted to coverage. gerri: absolutely right. cedars-sinai, right here in new york city.

we are seeing institutionand facilities to that will not accept this obamacare insurance. where are people going to go? >> people will have a hard time accessing physicians is what they do inside medicaid. health insurers, obamacare medicate plus. that is exactly what this will be. a little bit better, but not much. gerri: not much. >> by the way, medicaid is arguably in the indtrialized country one of the worst health insurance systems in the world. i never could understand why we wanted to expand medicaid which is essentially what we have done >> ahead of very hard time getting my medicaid patients' access because they just see the patients. rri: okay. the other problem is the government is putting the normal position. i can't sign up. w i have no care. what wil happen to peopl who, you know, maybe they have some kind of life-threatening illness. now they have no coverage. they can't get it.

what did they do? >> this is the scariest thing. we talk about the finances of obamacare. i am an economist. but you just really nailed it. what about the pele who are not going to get treatment who solutely need it. in the middle of cancer treatment or heart condition treatments. i d't have an answer to your questionecause nobody knows what the answer is. what do you do allow people who inix weeks now going to be going naked without health insurance? gerri: what do you say? >> the administration is increasingly worried about this and giving a performance plan taught to enroll some of these people. probably one of the blues plan. i don't know. there will give people until dec. 23rd general henry it takes more tn a week to get safely put into a plan. that won't help either. gerri: unbelievable that there would put us in this position. another story for the government putting us in a bad position.

i am going to go to you. this news out just tonight right before our show. the energy department has sold off $192 million loan guarantee to fester automive to a chinese billionaire for 25 million. so the loan guarantee energy was partly due to, but partly they wanted to be duped. they wanted to make these loans. this goes back tohe solyndra story uni talk about. this is the solyndra story of these kind of battery operated cars, but at least we get

25 million for that month. it is probably worth nothing. >> the world's first external combustible engine. >> i like it. gerri: we will eed on that note. thank you for coming on tonight. great job. you covered a lot of territory. more to come including the story of a man who risked his life to protect the president's. he is losing his health care insurance because of obamacare. and next floozies and is here. how ofteno -- how you can protect you and your family this year. stay with us. ♪ [ male announcer ] if you're taking multiple medications, does your mouth often feel dry? a dry mouth can be a side effect of many medications

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♪ gerri: your flu shot, floozies and is striking early. states reporting dozens of hospitalizations already. so we are looking out for yourself as many of you travel home to see loved ones this holiday season. joininge now, physician. welcome back to the show. great to see you. i had my shot a month and a half ago. i feel pretty good, but you say i still have the potential to get it.

>> the vaccine that you received gives you protection against the top three common viruses to cause flu, but that is now 100 percent protection. also, what you have to remember, if you get the flu you have to make sure that you don't in fact everyone else. the doctors of the worst. >> so we know is that typically with the flu season, the incident peaks in january. already in november and seeing cases of the flute. very difficult to pdict how bad this season will be, but the season is starting early. we don't now long it will cont. if you are out there you must go and get a flu shot. absolutely. gerri: most exposed are kids and the elderly. >> that's right. unfortunately children under six months we do not vaccinate, and they are at risk. if you have young children at home is important that they are protected.

that depends on you being protected. also, it is important that people remember it is not just to stay at home but to be very vigilant about washing your hands. people who have the flu should stay at home. you should not be cghing all over everyone. if you have chronic health conditions, our problems, lung problems, these people are increased risk. they should be vaccinated. the earlier the better. gerri: a lot of people have strange beliefs. they think it will make them sick. more likely to get sick. what would you say to those concerned? >> no evidence that all that the flu vaccine causes flu. some people may feel for 24 hours some flu like symptoms. that does not meaean that they have the flu. they may get eight in the muscles. tylenol will help. the flu vaccine is not live vaccine, not live virus. you should not have the vaccine if you're sick. rri: even if you have a cold.

i got the shot. i hate gting shots, but i do it anyway. there is also an islamt. do you love that? >> very good evidence about the nasal nest as well as the flu vaccine. if you go on to the website, cdc , there is lot of useful information, but they do not recommend that then is vaccine is any better than the flu shot. also, the nasal is n for everybody. very strict guidelines about who can receive it, and that is alive, weakened vaccine. gei: interesting. any other tips? we talked about not tough enough people staying home. what else can i do if i am in the work environment, commute every day. [inaudible question] keep from getting the flu? >>he most important thing to remember is even if the flu season started it is never too late to receive the vaccine. it is never too early. also, it does not protect you immediately. it can take up to two weeks.

tom delay, get the vaccine. if you have to like symptoms go home. gerri: thank you for coming on. so good to have you on the show. appreciated. additional and surprising steps to keep yourself healthy in tonight's top five among the most surprising way to prevent the flu. drinking hard, black, are green tea stimulateshe immune system to fight off infectin. get a protein fix. guys that are too low in protein can deplete the immune system. so stock up on protein rich food. number three, get what you need. getting a massage can increase our circulation which bsts immunity not to mention lowering your stress level. don't talk dirty. did your mind that of the gutters. your cellphone is a germ magnet the reclaiming it with a sanitizing wife regularly cuts back on the term second new you face and mouth. the number one surprising for the preventn, led by the pen.

think of all the times that you borrow pen. helps to cut down their exposure to germs. the university of arizona scientists have found when someone is sick it only takes four hours for surfaces like the coffee machine to show traces of infectious virus. take care of yourself this for season. later in the show, the o ministration about to turn the housing industry on its head using taxpayer money. next, forget the screaming baby in the seat next to you. why the question can you hear me now could be asked on your next flight. just by talking to a helmet. it grabbed the patient's record beforwe even picked himp. it found out the doctor we needed was at st. anne's. wiggle your toes. [ driver ]nd it got his okay on treatmentnt from miles away. it even pulled strings with the stoplights. my ambulance talks wh smoke alarms

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stick with innovation. stick with power. stick with technology. get the flexcare platinum. new from philips sonicare. it's not the "limit the cash i earnvery month" card. it's not the "i only earn decent rewards at the gas station" card. it's the no-games, no-signing up, everyday-rewarding, kung-fu-fighting, silver-lightning-in-a-bottle, bringing-home-the-bacon cash back card. this is the quicksilver card fr capital one. unlimited 1.5% cash back on eve purchase, everywhere, every single day. so ask yourself, what's in your wallet? gerri: new rules and the works that were allowed people to talk on phones during flights

gerri: potential new headaches for fliers. in addition to long delays, overcrowded planes and shrinking leg room a new proposal would allow phone calls, cell phone calls during flight. joining me now, ceo of fare compare. tell me it ain't so. i canno imagine this. it is annoying enough to fly without the person sitting right top of me yelling into their sulfone. >> i tweeted that earer today. i am not a huge fan of this, but it looks like at least they are grieving. it is coming. i sort of figured that it would be because of the potential revenue. if people have their way, it won't. gerri:1 percent say we support a ban on making calls whil in the air. is the most annoying thing that i can think of.

have you listened to people to make them never talk about anything important. they're always talking about a boyfriend ironies to pick up the eggs on the way home. there is never anything useful on the telephone. >> it is extremely loud. our poll that we run in the past, and we have chatted about this before. eighty-five or 90% against doing this. en the head of the sec who came out yesterday a said that they want to do this, he personally does not want it to occur but is likely to allow it to happen. they will have a meeting in the second week of december. during that meeting will bring it up on passes, allow public comment it. you won't be able to find it and then we're off to the races. gerri:eople will make money which is why we will do it. you will get rich? >> i find this a little bit interesting. airlines have not made a lot of money off of the wi-fiervice

on their planes. and if you remember, you know, i am old enough to remember 5920 years ago. one in a million phone calls. some ridiculous amount permitted to do it. i am not sure that if they charge a lot of money for this particular service -- remember, this would not be under 10,000 feet, basically cruising altitude only. you would have to wait until you actually got to this sort of dangerous part of taking off and landing. gerri: among will make some money. the governmenwill allow. what will the airlines do to accommodate ts? will they create quiet sounds, put all the talkers and to a certain part of the cabin? >> don't see -- they will have to add equipme to the aircraft to make this happen. that will be costly. i am not sure there will even taken on. second of all, you nowave so few airlines. you are talking about the three new mega airlines.

it would take at least one of them to do it, and i am not sure which one would step on the lamb to try to do this. i thi for the most part it will be the airlines in the end that decide not to do this. after polling a lot of the lead travelers, but i don't expect quiet zones for screaming babies and i certainly don't expect them for self bonds. gerri: i will go invest in nice canceling had said manufacturers before you go from american airles is allowing fliers to bet on for stressed -- versus less updates. i wonder what you make of that. are you a fan? will it be a big deal? >> i don't think it will be a huge deal. if you are an elite traveler and they're worried about this particular building program because it is one of your freebies that may be going away, they say it will not affect this particular one i don't expect people to find out where debat and how to bid, six days ahead of time to read another complicated thing. i don't expect this to be

popular. gerri: we have to get them to do what we want them to do. we are the customers. thank you for coming on the show. great to see you. have a great weekend. we want to know what you think. should airlines allow ppople to make some phone calls and flight? log on to gerriwillis.com, vote on the right-hand side of the screen. i was se the results of the end of the show. coming up, ways of -- waves of insurance cancellations. will that lead to a wave of loss -- losses? our legal panel debates that question next. ♪ ♪ hmm. ♪ mm-hmm. [ engine revs ] ♪ [ malanuncer ] oh what fun it is to ride. get the mercedes-benz on your wish list at thwinter event going on now -- but hurry, the offer ends soon.

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but next year it will be even worse. more policies will be cancelled, perhaps as many as 10 million. whatan be done? and consumers sued the federal government? re to weigh in criminal defense attorney and partner with from in and hunter. welcome to you both. i want to start with you because , i mean, you have to think, there are people out there with medical conditions and have coverage. obamacare comes in. the policy is cancelled and they cannot even go on the website to get coverage. you can nasute? >> unfortunately for them even though there will be other opportunities to have insurance, putting hat aside, the law has been through the courts, already been viewed other than the medicaid expansion, it has basically been affirmed. the funny part is that the law that would be challenged as part of a law called the employer retirement incomeecurity act which prevents any other type of

case. so therefore this is the only show in town that is basically the supreme court decision on this. gerri: what do you say? look, there has got to be somebody to seek a remedy against. you know, let's say you have cancer and we have seen the situations like this where people are desperately ill, have curve rich. it has been canceled, and now they cannot get another policy. do they turn to? >> well, i somewhat agree, but here's the issue. there will be a lot of lawsuits, and they're already have been. the obamacare act is a full employment act. so much legal action going on. for consumers it is difficult to sue the federal government. here is where the losses come and the reader will come and when they start dealing with the navigators to be trying to get their new policies and being advised on how to fill out forms college policies to get. a group of people that are

untrained, and vetted, and have no idea what they're doing. i think if they get bad advice and tried to get the new insurance policies that is where the consumer lawsuits will go. gerri: we know that the navigators are not very well trained. reno a lot of these people, the government said first they will have months and months of training. no, no. >>he federal law that this is a part of, the affordable charactersecome a part of, essentially it pre-empts any other type of case. any other negligence the many problems that developed in terms of getting the coverage or losing the coverage, it will all be under the same law. this law has that type of cause of action for that. it is sort of some legislative fix spirit however, we will go on to say to you, i think to say they're losing theiroverage entirely is not exactly accurate

. the coverage they cost more initially. gerri: they don't have coverage because they can get on the website and make new coverage. they're going to get cerage in the following way. gerri: does not cover the two or three month that it takes to get coverage. >> 35 million people don't have coverage before this happened. talking about dca. rewriting parts of this all the time. the president is changinghings the people who are implementing the law. it is not what it was spirid is a totally different thing. how can it be that nothing - no action can be taken.

>> this entire law is a moving target. as someone agree that the government puts up all kinds of roadblocks against consumers suing them. qualified immunity fromlmost every government official. if you can get around it with gross negligence. and another problem is that individual consumers do not have the money or the resources. and so consumers alway end up getting short it in this kind of an issue. gerri: i agree. last word. >> ithere was a cause of action there would be able to win their legal fees. most laws of this nature, health and benefit companies and tight case providing the winning and legal suits. the problem is that you have to win first. in this case it is worse than that because there is not even a basis to have a loss it. gerri: you know, i think he is disagreeing with you a little bit. maybe you're not suing the insurer.

maybe other people. not that we're advocating, but there are people who are between a rock and our place, and the federal government put them there. thank you for coming on. appreciate your time. >> thank you. always good to be on the show. gerri: thank you. new changes coming for housing. the senate filibuster affects on agency appointments clearing the way for obama's nominee at least the regulaty portion. congressman mel watt of north carolina was blocked by the gop. now his confirmation appears to be proceeding. what impact will this apartment have on taxpayer bottom lines? director ofinancial regulation studies at the cato institute joins me now. i just feel like i have seen this movie before. what he believes in, what he thinks should happen. pretty darn clear and pretty darn frightening.

>> and it is very bad. orms, back in 2008 hen we were voted against giving the very same regulators. it is great. he voted against giving them additional powers to try to protect the taxpayer. the gap probably ranks in the top-10 in congress in terms of campaign contribution. the know, few in congress to have been protectors this is really putting a box in charge of the hen house. has to come back. the current acting director, a career civil servant. did an outstanding job. that is a problem. the administration does not want an outstanding job. there w someone to protect fannie and freddie, go bacto the housing, can the giveaways. favre constituencies which is what got us in this mess in the first place. gerri: one of the big programs that is apparently in favor.

principal write-downs on underwater mortgages as we know in the wake of the financial meltdown and housing downtown what happened is a lot of people lost value. so much so that they were under water, owed more than a house was worth. others think that someone should bear the brunt of that, and not the people who hold the mortgage. >> first of all, let's be clear. the number one dver is unemployment. writing someone's mortgage down does not give them a job. as you talked about, obamacare and other things are critical. let's get the job market moving. th said, the taxpayer owes these mortgages. if we are going to give someone a write-down, 50, $100,000, that is money coming out of the taxpayer's pocket. we need to be carefuabout doing that. gerri: what would the price tag b? seriously. i cannot imagine between obamacare and this kind of program how much money would be

putting out the front door. >> you are talking -- this is a massive giveaway. we're talking about millions of mortgages modified. it could be anywhere. typical mortgage, 30, 40, $50,000 reductions just to give away. of cours among let's keep in mind, these are mortgages that peop agreed to pay into there really are not talking about people who were defrauded. i am all for taking care of people w were defrauded. you of that obligation, and if you don't have some other compelling reason you are certainly not entitled to the taxpayer being part of your debt. gerri: not everyone agrees. >> unfortunately not. we are the hand of culture in this country. gerri: a bailout in every pot. thank you for coming out. when weome back, major credit cards offering customers refunds. is it too good to be true? a former secret service agent your risks his life protecting esident obama sharing his story of losing his insurance

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gerri: you can keep their health insurance plan. that is of millions of americans are hearing in the age of obamacare. thank you foroining us. appreciate your time. tell us about your experience. you had a health insurance plan and then you didn't. what happened? >> we get the infamous letter. which is sad that did not estimate. reopen the together. we were devastated when we get the letter saying that our insurance policy. we loved it.

a federal government employee. the deductible as doubled. your copay went from zero to 30 bucks for a visit for us if we go for five times a month in addition to the $200 additional premium cost real looking and another potential to honor dollars and add a pocket cash cost for copay. find it ironic that the president seems to know what is best for millions of americans. they clearly heard my financial situation. >> is it better? >> it is not. situs specialists last. always a cost for anything.

that is the one positive. gerri: at the end of the day from what you tell me in the greenroom you have the same insurer you had before. coverage is not that good. he is clearly not telling the truth or he is providing for his employees. i'll is rumored that expression by plato, if you don't get involved by politics you are destined to be ruled by people less of the new from etto get involved. this is my way. gerri: h does it feel? to serve their country, but the life on the line to massacre services aad for how long? >> 121 years. this is a thank-you you get. your hlth insurance policy

revoked in givenomething more expensive and worst. >> i was angry. italian politics to never say that. i don't listen to too many consultants. when nucuclear because i just pt what was raw emotion. i was upset. i would rather you take my hou and take my health insurance. especially to given i need for doctors. gerri: what a story peter brooke looks fantastic. you said it was like having -- being and not all that hot stuff the -- elain your experience. >> being a secret service agent, take being famous without the downside. go across the street can get a sandwich. i didn't have the problems. get to hang out. it was a terrific job. 116 service. highly recommend it to anyone seeking a career in law enforcement. it was an honor. gerri: it's terrific individual. thank you r coming on. good to hav your.

still to come, my "2 cents more." in the latest battle to win customers, credit cards are price matching. is there a catch? details coming up. ♪ [ male announcer ] if you're taking multiple medications, does your mououth often feel d? a dry mouth can be a side effect of many medications but it can also lead to tooth decay and bad breath. that's why there's biotene. available as an oral rinse, toothpaste, spray or gel, biotene can provide soothing relief, and it helps keep your mouth healthy, too. remember, while your medication is doing you good, a dry mouth isn't. biotene -- for people who suffer from dry mouth. how old is the oldest person you've known? we gave people a sticker and had them show us. we learned a lot of us have known someone who's lived well into their 90s. and that's a great thing. but even though we're living longer, one thing that hasn't changed much is the official retirement age. ♪

the question is how do you make sure you have the money you need to enjoy all of these years. ♪ gerri: a credit card deck and save you big bucks and you may not even know about it.

gerri: well, you heard about all of the sales. you heard about all of the price reductions, whether it is on line are in the real world. now credit-card operators are going to get down on the action. joining me now, wealth management ceo. thank you for coming on the show. great to have you here. credit-card operators are out

there saying hey, look, we are going to help you get the lowest price. how will they do tha >> so the idea iso entice you to let your guard down if you are shopping by saying, don't worry. even if you buy something at this price at this point, if you find something lower at another store in the future we're going to make you whole. the idea, of course, is to get you to rack up more exchange fees for the credit card companies by letting your inhibitions down and spending wantonly. gerri: i love your take on this because the credit-card operators call this price matching. it sounds like a good thing. you go out there, buy a fancy pants tv and find mewhere else. a credit-card operator will be there to make you all. how do you make that happen? what you have to do as a consumer to get the mon? >> you hit the nail on the head. you actually have to do something. you have to shop around and then you have to document.

it will depend on which credit cardarrier you are using. some will actually ask you to just lock the purchase on-line and they will double check. others would go so far as to say, i want to see your credit card stement. i want to see your receipt. and i want to actually get a note from teacher. i want the store manager and then the location that the lower price on letterhead to write that down and show me officially. gerri: i don't have time for that. at the end of the day i would rather buy a cheaper. here is what we're talking about the discovery program will refund the difference of up to $500 of the 90 days. there is another program with a refund difference up to 250 within 30 days. finally, mastercard is saying $250 within 60 days with monetary limits of up to 1,000. are these programs brand spanking new or have these be around and we just haven't

noticed? >> one of the things they you will find is that financial companies tend to move in her. it is possible that in some regional markets, programs like this have existed in theast. is is the first holiday season we are seeing is a mass. and my big concern about it is that it actually, as you referenced, takes a fair amount of tim and i am not sure that it actually benefits the consumer at the end of the day. gerri: what are your criticisms other than the fact th goodness knows how you will ever prove that you found a lower price. what are your other criticisms? >> my biggest one, it is like couponing. what it can do psychologically, make you feel like you have to get out of jail free cards whe it comes to spending and that is okay to let while on your budget and not pay attention to the small details. my concern is that because you might feel like toave this backstop that you in that spending on things that you

would not have purchased otherwise. the same way you my when you are out couponing unless you are very disciplined. for the 10% of folks who are super intense about their budgeting, great. these are a super product. for the other 90 percent of us, maybe not s much. gerri: i cannot imagine having to do this. i would rather find a cheap price first. thank you for coming on. great points. gerri: good to see you. we will be right back after (announcer) scottrade knows our clients trade and invest their own way. with scottrade's smart text, i can ickly undersnd my charts, and spend more time tradin their quick trade bar lets my account follow me online so i can react in real-time. plus, my local scottrade office is there to help. because they know i don't trade like everybody. i trade like me. i'm with scottrade. (announcer) ranked highest in investor satisfaction with self-directed services by j.d. power and associates.

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it's not the "fumbling around with rotating categories" card. it's not the etting blindsided by limits" card. it's the no-game-playing, no-earning-limit-having, deep-bomb-throwing, give-me-the-ball-and-i'll-take- it-to-the-house, ch back card. this is the quicksilver cash card from capital one. unlimited 1.5% cash back on every purchase, everywhere, every single day. so let me ask you... at's in your wallet? gerri: the fcc lifting its longtime ban on cell phone calls while in flight. here's what you're posting on my facebook page. you don't want to hear a baby crying next to you, be sure as heck don't want hear someone

talking on the phone. this will make an already difficult experience intolerable. we added this to on gerriwillis.com. 72% said no. unlike the no crowd. log on to gerriwillis.com our online question every weekday. finally, when the goment gets involved in something that you know that your trouble with, younow there's a problem. two examples, obamacare is in on this one and trying totake control of one sixth of the economy. and what a mess that has turned out to be. then we reported on fisker. they were the cornerstone of the big green car push. the problem was fisker cost over $100,000 apiece per car. consumers didn't buy demand by except millionaires and actors like justin bieber and leonardo dicaprio. the total it to taxpayers is

$139 million in the biggest greenlawn write off some solyndra. it doesn't matter what programt. take your cyanide and gunite. if you wake up we will see you tomorrow. ♪ john: it is the season of giving. so where should you give? should you give this man money? what about this man? >> thank you. john: actually, that's me. don't ge money to beggars like me. governments must spend more. >> medicare, medicaid, social security. john: this government really helps the poor. >> everybody in cleveland. >> by any measurement this is not working. john: i am glad more people figure that out. >> commerce, entrepreneurial capitalism takes more people out poverty. john: even some in the mastream media.