everything money. "the willis report" is coming up next. ♪ ♪ ♪ gerri: hello, everyone come, i am gerri willis. tonight on "the willis report." trips to the doctor got a lot more complicated. a new set of computer codes threatens to disrupt the whole health care system. also new mortgage rules could throw the housing market into chaos. lenders plead with congress to stop the changes. >> the massive amount of changes with this legislation has really put a difficult situation in our hands. gerri: and a user's users guide to a new year and new you. we are watching out for you tonight on "the willis report." ♪

♪ ♪ ♪ gerri: imagine getting hurt by jumping off water skis that are on fire were getting bit by an oracle well. are you having a hard time conjuring? these are some elements that uncle sam has been assigning as part of an overhaul of our medical billing system. with more on this we have doctor kevin campbell who is a cardiologist. so what are they doing? >> the proponents say they are more specific with more specific to description and it is taking 50,000 kogenate and 150,000.

gerri: okay, procedures go from 3000, they have coached 3000 procedures right now. under this program 72,600. so do we really need more? this just sounds like such typical government bureaucracy. >> i think it will impede our ability to care in an efficient way. so in order to be re-embeds as well. gerri: how many times about what happened, really? >> these codes were created by the world health organization. and it was done in order to measure this throughout the world in a certain countries like us have picked and modified them and so most of these make no sense when you talk about

this. things like that. macaw tax. gerri: that's just silly. what we think it is important to implement codes that are used in africa and brazil and france? >> i think again it is a case of using something that we are not sure what it contains entirely. i don'hink anyone read through all this stuff. i think the oal was to track the disease and instead of saying that we removed a tumor from your long, that was the premise. but they didn't cut away the fat and all the nonphysical stuff that is better. ultimately it will hurt patients. gerri: i am nervous about this and worried. >> 90% of physicians that have been surveyed have talked about the fact that it may in fact limit our ability to care for the numbers of patients who we are going to see what the new health care exchanges. we're going to be overwhelmed

with paperwork. electronic medical record mandate, added any passages mission groups that are overworked and overwhelmed and it's so hard to give good care. gerri: how much will this cost you? >> we are looking at millions of dollars for individual practice. >> absolutely because you have to implement new computer systems and electronic medical records and you have to hire that. gerri: there's nothing else either. obamacare coming into play many of them can't afford to be out on their own. >> that is exactly right. what we see is put on individual doctors and taking time away from patients and not at the bottom line. we are here to serve patients and instead we are mired in paperwork. gerri: what a lot of unhappy doctors out there.

doctor, thank you for coming on and thank you as always. okay, more frustrations with regulations and rules. and their concerns to a house services subcommittee hearing today on implementing new mortgage rules. we have the president and ceo of the independent conservative. you guys are from two sides of the same coin. and the fellow that was representing you guys in today's hearing actually runs a 100-year-old bank and ohio. he has something like assets in private reforms that nobody else will. what is the implementation of all these new mortgage rules on independent community bankers.

>> what it does is limit the flexibility and it interferes with our relationship banking model. and every customer has a different story and from the time community banks started 250 years ago to now, that figure has been able to individualize that particular customers financial plan to that customer. more and more of that kind of judgment and flexibility is being frozen out through these regulations. the regulations are getting between the banker and the customer. >> we did a segment on this. i hear a lot of people are angry about them in one of the folks i talked to this week said this is going to be a burden for

minority borrowers. you agree? >> all strongly support these rules. they need to gather data to see if they can reasonably afford to make the mortgage payments based on what they know when the loan is made. including the financial crisis we've had in the last few years. we are big supporters of independent community bankers as well. gerri: you said something very important. it had rippled through the entire economy and society. >> not in the sense of the community banking industry. the banking industry throughout the entire financial crisis

never saw mortgage delinquencies were foreclosures rise above 3% during the entire time because community banks or portfolio lenders. they were not selling these to the securitizing of the ones that they were keeping 100% of the risk on their books. and so if the loan went sideways it was the community banking to pay the price. okay, overview, here's one of the complaints i hear about the new rules. and you anything that will prevent it from another meltdown. but the housing market is just now beginning to recover. this is during a time that americans need mortgages. but the banks have already sort of tighten up their lending standards.

>> you're exactly right because they crashed that the lenders tightened up and the investors don't want to invest in us. this provides new safety which will bring more money into the market and also let me be clear that it provides for separate and lenient standards and we support the broader rules and we agree that there are some places that they should be easier to highway. >> they did relax some rules under the small creditor exemption. but they didn't go far enough. they are very restrictive and i was a community banker.

i own a community bank. their income to debt ratio is 40% and it can be more than 43% according to the regulation. so am i going to take the chance of getting in trouble by a troll attorney? what the regulations are doing here is they are squeezing judgments and character out of the lending process see one but mike says that's exactly what needs to be done. but you guys can be trusted to make the right decisions. what is your response? >> that is totally wrong. there are 7000 community banks in this country that have made those decisions day in and day out for generations. it was the community banks that built this country.

and one in five are only served by community banks in this country. the reputational risk in the litigation risk to make that phone. windows people turned? >> we do trust the community banks and we work to make these rules flexible for them and we are committed to working further with them. but the ig picture is that everybody got hurt by this.lending including the community banks and we need to restore balance to the overall system with flexibility for the community banks. gerri: thank you guys for coming on. when you make those changes? the cart before the horse. a dollar short and a day late. that's what i say to the regulators. thank you. >> thank you.

gerri: you know they have done it again after coming to an agreement. funding the government through the end of the fiscal year on september 30. in addition to funding the government and some other bonuses you would like to hear about. they say six-day delivery must continue with the u.s. post office. but there is terrific news. it was blocked from the band for incandescent lightbulbs. does the government have the right to ban lightbulbs? incandescent light bulbs. log onto gerriwillis.com and i will share the result at the end of tonight's show. we have more coming on and power-hungry homeowners

associations as newsgroups gained in popularity. details are coming out. ♪ ♪ ♪ so ally bank really has no hidden fees on savings accounts? that's right, no hidd fees. it's just that i'm worried about, you know, "hidden things." ok, why's that? well uhhh... surprise!!! um... well, it's true. at ay there areno hidden fe. not one. that's nice.

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gerri: being underfunded and overwhelmed has some own auditors getting the squeeze. with one as we have buried gibbens. welcome to our show. and so these associations are just out of control. giving people a really hard time. why is that? >> they need the money and they go after the money and maybe they have broken a law that pertains to dog walking. so they are finding them and in some cases they are taking it

too extreme. and they are foreclosing on that. whatever the case may be. small amounts and they're going after them. gerri: you want some kind of standards. but this is out of control. what is this crazy stuff you have seen? >> people actually do like these associations for the most part. their statistics showing that they are happy with the amenities they like the service is overwhelmingly so. but when they start nitpicking and so for those people who aren't, they are getting into trouble and more than they have seen previously.

>> especially with these type of associations, a lot of these people don't look at the agreements and they don't know how to play this game. so you have to kind of know what the game is and how you're going to fit into the community in general. gerri: let's talk about these individuals. 70% of these communities are underfunded and that is two thirds of the communities having financial problems and looking at your wallet. >> 52% for any number of reasons. homes that are still empty and you have governance problems and administrative problems. gerri: it sounds like a lot of

people. and someone with a big ego might want to get up there and run the show. and i think you need to play by the rules and you need to check out what is in reserve. especially for those that don't have a lot of money ready to go. gerri: what number should i look for an otherwise assessments will come in and you will get hit with higher fees. and that is great stuff. gerri: thank you. a lot of people out there suffering. and coming up next, a new year and a new you. considering massive

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gerri: time warner cable still

gerri: let the bidding battle began. time warner cable rejecting a 15 billion-dollar buyout.

>> it has to happen for the cable industry. and so it would like keep people from raising their prices. gerri: it's like the airline industry. this sounds a lot like there're going to be higher consumer prices. viacom wants more money and that is long to use as a consumer. but maybe consumers are just going to do this altogether. so maybe they can get this for cheaper and maybe keep the bills at the same level my mother

can't think of her world without cable tv. yes my sister, she can't understand why anyone would buy cable in the first place. gerri: it really is a generational thing. time warner is second and it's a very different number. and there is a very big difference in the revenue and you look at these numbers and say there's a little aerial view and what can we do to it disrupt the break. industry say that you are right. these are monsters that have strivers and americans certainly like their tv. gerri: i love my tv for the

record. however it is delivered. >> that's right, if they keep raising the prices. that is an issue where they hold out. but i think you are onto something. i think the cable industry has a lot more money in the area. >> i think the fcc still have some reservations. meanwhile i think a lot of consumers are looking at other options. and i think that it will take another play.

and consumers are switching to cash as a result of what happened to target. jpmorgan jpmorgan has replaced 2 million credit and debit cards. and déjà vu of boeing. and after the worst day in two months, intel jumped 4% making it the biggest winner in the dow jones. microsoft had a 2% increase in not good news.

and gm says it sold 9.7 cars and trucks last year. and those are some of the hot stories right now on fox business.com. one company who can predict a massive cyberattack and what can be done. and the new year and a new you. we are continuing with a look at the best gizmos for your house.

7 million investors... gerri: gerri: a highly skilled c. kevin, neill holley's on line one. ok, great. [ male announcer ] and we do. it's how edward jones makes sense of investing.

legs, for crossing. feet...splashing. better things than the joint pain and swelling of moderate to severe rheumatoid arthritis. if you're trying to ma, now may be time to ask about xeljanz. xeljz (tofacitinib) is a small pill, not an injection or infusion, for adults with moderate to severe ra for whom methotrexate did not work well. xeljanz can lower your ability to fight infections, including tuberculosis. seris, sometimes fatal infections and cancers have happened in patients taking xeljanz. don't start xeljanz f you have any infection, unless ok with your doctor. tears in the stoach or intestines, low bod cell counts and higher ver tes and cholesterol levels have happened. your doctor should perform blood tts before you start and while taking xeljanz, and roinely check certain liver tests. tell your doctor if you have been to a region where certain fungal infections are common, and if you have had tb, hepatitis b oc, or are prone to infections.

tell your doctor about all the medicines you take, and if you are pregnant, or plan to be. taken twice daily, xeljanz can reduce the joint pain and swelling of moderate to severe ra, even without methotrexate. ask if xeljanz is right for you. ♪ ♪ gerri: okay, looking to change jobs, lose weight, or get organized in the new year? we are breaking everything you

need to know about sticking to your resolutions with our special users guide. tonight, we're breaking down simple way to that has up your home with the latest grass -- gag ets. there are a lot of people that probably wanted your gig. >> i'm not going complain. i love what i do! gerri: you're good tap that's why we have you on. >> it's very cool. you have to invite me over. >> it's a lot of graphics. very bright. very nice. [laughter] gerri: you have lots of ideas. you want a house to be fantastic. >> this is one of the things. it is a video doorbell for your smartphone. think about it, you never leave your home without your smartphone. it's always within 3-feet of you. want to see who is at the front door?

they're on the smartphone. it communicates with your phone via wi-fi. gerri: ios or android. >> yep. gerri: i like that if i'm at home or not at home. sometimes i don't want to be at home. >> you can be out of the country and you can see what is going on. it's cool. i love it. it starts for $199. you can hard wire it to the doorbell. gerri: jason, i want instant access to hd content. how about apple tv? >> it's great. i have apple tv and i love it! for those that have it, we absolutely love it. you can use ether net or wi-fi. gerri: i like it. >> anything you want. you can use air play. gerri: netflix, hulu. >> very easy to hook up. you have the remote control or you can use your smartphone. it's a great way -- yeah, the online content on hd. think about it.

now everybody is online. they want the stuff on the hd tv. it's a great way. very exact. you can see how small. gerri: it gets even more come -- compact. i want to talk about -- >> they are but tooth operated. it's a great way to keep track of the things you lose. we all do. it gerri: i lost my ipad! it was a disaster. >> exactly! the tile is there. the blue tooth it only operates with ipad and iphone. it will operate with any smart device. it will give you snag signal to where it is. >> it gives me a signal where? how? >> it tells you if you're warm, cold, which direction. did can communicate with other tiles and communicate and show the last place it might have been. they are tiny and easy to put in. you can put -- it's a key chain you can put on anything. if you lose the smartphone, you can use the tag to find the

smartphone. it works both ways. gerri: it dw stupid you are. you are saved! >> you want to do the nest detectors. >> right. gerri: whaa is interesting the company was bought by google for a lot of money. you could have figured it out yourself and made the dough yourself. >> don't i know it. that would have been nice. they are particular with the nest, the learning thermostat which is a big thing lately. now they have the nest protect. everything needs the smoke alarm and the -- gerri: it's true. >> people who are cooking and the alarm goes off. you want to rip it off the ceiling and take the batteries off. it gives you a lot of opportunity thes. it's all wireless now. it communicates with the smart device and tell you where the fire is it. it gives you a heads up warning. it verbally tells you with a human voice where the problem is and what to do. >> i think we're looking a the the thermostat. >> i'm sorry the nest thermostat. that is a learning thermostat. that will just by operating it for the first week, it learns

your technique and how you like to keep your house. you never have to worry about programming it. it programs itself. gerri: i don't think the schedule up to my 1933 tutor. >> probably not. >> you have to be careful when you put them. they don't hook up right to the existing system. >> right. all great products. it's all about technology. we do the show "man cave." it's about the greatest technology. everybody has an app. gerri: what about chrome cast? >> it's great. it's an great alternative -- we talked about apple tv. it's $35. gerri: apple tv is more expensive. >> $100. it you don't want to spend the money. it only works with wi-fi. very easy to hook up to the television. the hdmi. there's another cord you plug-in to an usb or plug it no get power. it works with existing devices you already have. you can stream stuff from your smartphone to the tv. >> gerri: smartphone, tablet, laptop. tell me about a guy thing.

it's something for a man cave. >> it's both. this is just for the guys it's a must have for any toolbox. i have two. gerri: i'm not surprised. >> you know me. it's at 12 volt and the max idrive. it looks like an i. it pivots. you go straight and 90 degrees gasoline show me! >> exactly. it has a clutch on it. and but -- hold on to that. it's very easy. very small. tight spaces. you do a lot of projects all the time; right? gerri: no. >> just you know. gerri: i like it. >> it's powerful and compact. >> you can put it in the drawer. gerri: exactly. >> easy to keep. gerri: i like the noise. >> the noise is good. that's a scientific as i get there. >> perfect. gerri: jason, you are so stall ended -- talented thank you for coming on. i'm waiting for my invitation to "man cave." you're going regret it.

coming up tomorrow the users' guide to a new year. advice on remaining your professional identity and changing careers. listen to this, i'm going to be joined by a woman who knows all about changing careers. "fox news" host megan kelly. make sure to check out jerry willis.com. using your smartphone. how mtv may be making a positive difference in the live of the nation teens. particularly the girls. can someone predict the cyber retail attacks? one company said it's their job to know these things. their cofounder joins me next! ♪ ex one rate. really makes my life easier. maybe a promotion is in order.

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in light of the recent hack attack with target and

neiman-marcus, cybersecurity experts are saying the breaches are just the type of the iceberg, so what more can we expect? joining me is stephen the cofounderrer and chief technology off of bit sight. thank you for coming on the show. we're interested in you because you have a view of the cyber attack. like nobody else. you saw this coming. how so? >> well, so the security rates on -- externally available comprised information. what we saw was evidence of system comprise. gerri: wait. wait. ! i'm not a geek here. you have to slow down a little bit for me. >> okay. gerri: you saw evidence of problems piling up? >> yes. gerri: what kind of problems? how do you know? >> so we thought evidence of machines inside of these networks connecting out under the control of an adversary there are different strain of malware that were on systems inside the corporate network that were communicating out.

now, these strings of malware will allow for complete system control. for remote access stealing files and credential and looking at browsing information. malware participating in botnet. there was an increase in the activity in the november/december period leading up to the disclosure for the breach. gerri: that helps. >> yeah gerri: that helps me -- >> we don't know what we saw. gerri: go ahead. >> we don't know what we saw, what we don't know what we saw is actually the cause of the data breech. the data loss. it's under investigation. we see that the retail sector over the same period had a drop where neiman-marcus and target were not nearly at the bottom. gerri: stop there for a second. that's what we need to hear. it's critical information for consumers. so you see the individual companies. we can show a picture of security ratings. it doesn't name anybody. there are no companies name. it gives you an idea of what going on. take a look at that.

so i think it's companies that are in the red part of that graphic that are in trouble. the ones in the blue that are okay. you say there are companies that had worse ratings according to your own research than target, than neiman-marcus. does it mean more retailers will be hit? and when might it happen? >> well, certainly very sobering. and the recent analysis question based on the data from knee man narcos and target. there are many retailers that had worse rating performance than those two companies. which certainly, give us pause and concern about what is still to come. there are many -- gerri: can you name names? >> we don't discloser particular companies or individual ratings or make prekirkses. we see the data and the evidence of the comprises which could lead to massive data loss you saw at target. gerri: you don't just look at other retailers. you look at the financial sector. it's another sector i'm worried about. should i be concerned about how

safe my money in banks when i'm managing my money online. i'm using atms. >> well, certainly there's a concern. there is no perfect system; right. gerri: no. >> it's clear there's varying degrees of risk that can be managed. what i would say the financial sector has done a better job. they have obviously more investment. they certainly train their people, and they are responding in a much faster rate. when we look at the destruction of financial sector versus retail. the financial sector has outpurchased any of the other sectors. in part because they make it a priority. they have an executive chief office in managing that. it yields to better results gerri: interesting. your analysis is fascinating. thank you for coming on the show. we appreciate your time. thank you. >> thank you very much. we have more to come. my two cents more. and critics warned that shows -- tv shows like "16 and pregnant" on mtv was glamorized teen

pregnancy. turns out the opposite is true. the result of a new study coming up. ♪ the way you turn me ♪ ♪ i can't sleep ♪ let's run away and don't ever look back ♪ [ male announcer ] this is the story of the little room over the pizza place on chestnut street the modest first floor bedroom in tallinn, tonia and the southbound bus barreli down i-95.

♪ this magic moment it is the story of wherevery great ieaegins. and of those who believed they had thpower to do more. dell is honored to be part of some of the world's great stories. that began much the same way ours did in a little dorm room -- 2713. ♪ this magic moment ♪ the newest form of birth control only requires a telev

♪ the story is a shocker. the controversial mtv show "16 and pregnant" has become a lesson in whatnot do for teens. the new study shows teen births have dropped as a result of the tv show. psychologist dr. bonani forest is here with the details. tell me, what were the results of the study? >> so, gerri, i think it's

fascinating. it's pretty ground breaking for two reasons. one, it's one of the first studies we have to make a cause l link between a specific program and teens' attitudes and behaviors. secondly, if used data we haven't used before in social sciences. it specifically used google searches, twitter, birth d.a., and kneelson ratings to show a 5.7% decrees in teen pregnancy as a result of the show. . gerri: all right. let's take a look at the chart. declining since the 1950s for a variety of reasons. i'm shocked they are tagging to the television show. didn't -- didn't it initially glamorize pregnancy? >> well, that was the word on the street. and mostly word from the adults. it's interesting, even prepared today for the segment, that's what everybody said. they were shock at the results. if you look deeper at the

statistics here, 77 percent of the teens who watch this, said what it does is it gives them the real world consequences of parenting and having a baby. that is what they were able to look at for the causialty here. gerri: it's not used to reality tv. anybody learning anything at all from reality tv. it's something as a shocker. >> i'm with you. gerri: what role do parents and celebrities play. who is more important in helping teens figure out what to do? >> well, gerri, there's a misnomer that celebrities are that are more important. it's not the case. what adolescents tell us all the time is that parents are the most important. that's really true across the board in this age bracket of 12 to 17. gerri: even though they're say they're not listening to you. they're actually listening to you? >> gerri, great question. that's really the key. i think that's the value of this

study. the mtv has figured out a way to entertain and do soft sell without lecturing or being preachy. it's getting in there and working! it's fascinating. gerri: i guess kids saw for the first time what it means to be a mom of a -- >> i think that's right. and saw the impact on their relationships, and, you know, that's -- this is during a time when the part of the brain that understands consequences isn't really developed. so we as a society and as parents have tow help kids understand the consequences. that's what this does in a big way. >> dr. bonani, i thought what you said was fascinating, which is that teenagers don't have the idea that there are consequences to the action. they don't really understand that. explain that. >> that's really true response if you think about brain development, we used to think that kids' brains developed and at 18 they were adults. most of our laws, gerri, are based onnthat. what we know from research out of the national institute of

health and other brain research, for example, i participated in when i was at columbia in new york is the brain doesn't come in that area or the executive function or the ceo of the brain, to use financial terms. doesn't come in until kids are in the their 20. the decision-making ability just isn't there. we have to help them see the consequences of their abilities. that is what this show apparently does. >> well, interesting stuff. dr. forest, thank you for coming on the show. >> thank you. gerri: wow. okay. 16 and pregnant may be making an impact on teens. it's not one of the most-a watched television shows. number five "american horror story." it is almost 3 million viewers between the ages of 12 and 34. number four "pretty little liars." number three "breaking bad." it's wrapped up and run on amc.

had nearly 4 million viewers between 12 and 34. wow! number two, "duck die city." it attracted 5 million viewers. and the number one is "walking dead" on amc. the content of the show may not be suitable for 12-year-olds. 8 million people watch it. teen mom two came in number 7 with two and a half million young viewers. what about the -- "the willis report ." does government have a right to ban lightbulbs? come on now! blank black new plan -- dozens of tax free zones all across the state.

move here, expand here, or start a new business here and pay no taxes for ten years... we're new york. if there's somethin that eates more jobs, and ows more businesses... we're open to it. start a tax-free business at startup-ny.com. so ally bank has a that wothat's correct.a rate. cause i'm really nervous abt getting trapped. why's that? uh, mark? go get help! i have my reasons. look, you don't have to feel trapped with ouraise your rate cd. if our rate on this cd goes up, yours can too. don't feel trapp with the ally r raise your rate cd. oh thasounds nice. ally bank. your money needs an ally. if ...hey breathing's hard. know the feeling? copd includes emphysema and chronic bronchitis. spiriva is a once-daily inhaled copd maintenance treatment

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>> here is some of your e-mails, buddy from min, the way our government treat our military is

vile. to not balance the budget on the backs of our heroes, this is about the story where the government would reduce retirement benefits to our veterans. and gerald from michigan agrees. not only does current basketball ride on acks of our military god forbid they do the same for federal retired employees. >> well, trillion dollar spending pill, that has bipartisan support in congress does away with department of engineer's ability to enforce the light bulb ban, does the government have the right to ban light bulbs? mike said, you know that is a tough question. incandescent costs the user money, i replaced mine years a

ago. that said banning or outlawing light bulbs inane and i hope our government has better things to do. i agree. >> we have already over stepped health care disaster do we want more. >> no. >> we asked the question on gerriwillis.com, 8% said yes, 92% said no. log on to gerri willis for our on-line question of day. i say one small win for small government advocates. new mortgage rules, and a new coding requirement for doctor's offices, with any luuk the ipin light uincandescent lit bulb iny will continue.

i'll be joined by fox news host megan kelly tomorrow, thank you for joining us. we'll see you tomorrow. lou: president's foreign policy in the middle east is in shambles. obama administration alien eighth our principle allie in the region, israel. and as the truth on benghazi is revealed, the obama administration still playing dumb. i am lou dobbs. lou: we begin with benghazi. the classified documents obtained by fox fuse provide more insight into the administration lack of