tv The Willis Report FOX Business January 15, 2014 6:00pm-7:01pm EST
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we will fight about it tomorrow at 5:00 p.m. they give for joining us. "the willis report" is coming up next. ♪ ♪ gerri: hello, everyone. i am gerri willis. tonight on "the willis report." new evidence obamacare is not affordable. many hit with huge deductibles and out-of-pocket costs. the rest of us are paying for it. also a new warning of the most popular medicines in america. big change, and for painkillers. and it is your users guide the end switching careers. megan kelly is with us. we're watching out for you tonight on "the willis report." ♪
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gerri: welcome to "the willis report." your show, your money, your voice. tonight your users guide. whether you're looking to move up in a rinse of your current company or change course altogether, we've got need to know advice for the new year. joining us, and organizational psychologist and author of the book "the you plan." welcome to the show, good to have you. i want to start with this idea of the new economy. i know a lot of people haven't been too excited if what is going on in the economy particularly in the jobs market. they are nervous, they are worried and really dissatisfied. dissatisfaction in jobs up year-over-year, people want to get away, is now the time? >speak other never really is a good time. thai can be an avoidance behavi. people procrastinate, they get
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nervous, the fact is there may be some kind of trending toward leaving jobs this year because the survey found one in five are planning to make a change this year even in a tough economy still. on the flipside two out of three employers will ramp up the social media recruiting this year. there may be some slight trending toward looking to a new job making the change but at the end of the day there is never a good time. gerri: you want to watch out for that. you are thinking, and i have a theory about this. you don't throw the baby out with the bathwater. consider what do i do well and there must be something in your current job you do okay where he would not be able to hold onto that job. >> don't ever run away from a job because what you will do is land in the sameany that has a t name. you want to avoid that.
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people like to chase opportunities, they like to search the web and find stuff that might fit them. i made big believer of stepping back and doing the hard work and thinking about what is it about me that i want to do, what are my own personal values important to me, how can i find were that fits, what excites me, and how can i create an opportunity possibly to go with what i want to do. gerri: i say what do i do well, what do i like to do, because if you're happy that is nine tenths of the way there, i think. >> your passions are somewhere here, your career is somewhere here. but at the very least, remember we spend most of our waking hours working, selects incorporated about where's a good fit for us. you have to do a good job looking inward, how can i translate those skills and assets i have into a different environment and still have equal success?
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gerri: you might need some extra education. what you can do, some kind of a certification may be all you need. -@showing you have that initiate is enough for an employer to invest in you and train you themselves. >> you have the first step that destination and decide what it is that will get me there. you have to think about the certifications, the educations, but also getting to know the right people. go find the people who do what you want to do and immerse yourself in their world. gerri: 80% of jobs come through. who do you know and what do you do. we are showing your tweets. we would read online your comments. we got so many comments that were showing a ton of them, i will read one from jerry lynn clark. this usa apt 22 years at a
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police man, retired, went to itt and got a degree in computer and drafting. now retired. there is a typical situation for somebody who says i am done with that, now i will do something else. >> we have a lot of rumors out there that may not want to retire at the age of 65 even though a thousand per day turn 65 and they want to change careers or do something. at the same time you don't have to make a dramatic change. you can take those skills you have, but you have to sit down and think about how do i translate them into a different space. sometimes it is taking on a consultative role back at her old company or former client, but take the mindset being willing to think about how can i create an opportunity out there that may not exist the way i see it now and what are the assets i can bring to the table. find those friends willing to give you hard feedback and tell you the honest truth of what you can and can't do.
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gerri: getting feedback. i read this in some of your notes, maybe you want to go and find some of those people who will give you a bit of a critical review so you know where you are doing well and where you are failing. >> don't surround yourself with yes people. find people who will smack you in the face and tell you how it is but give you constructive ideas about the path toward a goal. how do i fix this, how do i change this. it is all who you know. your friends and family. we don't tap those who care about us, but also the path to those you need to get to know. i am a big proponent to lincoln. gerri: somebody said they went from their original career to layabout and they consider themselves successful. great job. >> thanks.
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gerri: now we want to know what you think. have you ever changed careers? log onto gerriwillis.com, i will share the results at the end of tonight's show. you know what, later tonight at the bottom of the hour i will be joined by woman who knows a thing or two about changing careers. fox news host meghan kelly, she made a big, they switch. one of the reasons is better health care. right? especially with news obamacare may hurt your bottom line. "usa today" reported consumers with obamacare could face high deductibles and other unexpected out-of-pocket costs each year. here 2 million, senior health policy fellow from the heritage foundation. welcome back to the show. folks say the average family has something like $3000. that they can spend on health care every year. that is not what obamacare costs, not by a long shot.
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>> it drives up the premiums. only those that will take low reimbursements, that is one way to bring it down. shift the cost through higher premiums and higher deductibles and healthy. that is what we are seeing happening here. gerri: let me tell you, obamacare is not cheap. right? the average bronze level plan is $5000. a lot of money out of people's pockets. if you think your family would somehow spend money on obamacare, to bring down the total costs, you're probably wrong. >> it depends on who you are. it will divide americans based
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on how much money they make. people on the lower end of the income scale will not get a reasonable deal on obamacare. the low cost sharing, but the trade-off is a will have very limited access to doctors and hospitals. if your middle class or upper middle class, in many cases the only way you will get a cheaper plan is to buy one that isn't offered on the exchange. gerri: the other solution i have seen is people are being told make a little less money. you will qualify. this is not what they should be pursuing. >> it will make the difference on the margin for some people, that is absolutely right. if you're looking for the ability to access more doctors and hospitals, you're going to
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be left in a situation where you have to have a plan with a fairly high deductible. that is the trade-off. gerri: i want to talk to a little bit about oregon. nobody can get a plan just through their website. what is going on? the federal websites, the state, the people in oregon city federal website is better than their website. how could that possibly be true? >> it is amazing. especially when you consider the reports are they spent 600 million on the federal website, they spent almost 300 million on oregon, doesn't even work as well in one state. there is a huge waste. what is going on here, and this becomes apparent when you look at someplace like massachusetts, the program is too complicated. obamacare is too complicated to run. and so you have a situation where massachusetts was running a simpler with similar programs
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since 2007 in that state, and they can't get their upgrade to the obamacare version to work. gerri: apparently oregon officials are now asking for a federal tax credit for people who can go online. this is laughable at this point, isn't it? >> i just saw that before i came over here to do the show. i ought to write something about that because it goes exactly to the heart of what is wrong with the whole thing. if you had simply, commerce had simply pass a basic straightforward tax credit and the said two people go to the insurer, go to the health insurance and will put in a provision that says if you sign a form and they send it into the treasury you will get the tax credit paid in advance if you don't have to fund the money, which we do already in some areas, this can be up and running two years ago and everybody could have gotten in
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on the health insurance. gerri: no solutions already up and running and doing quite well. thank you for coming on, great stuff. although not a successful health plan yet. thank you. we have more to come this hour including what you can do to not get sick while sitting on the airplane sitting with a bunch of sick people. and next, tax day, three months away. we are showing you some sneaky ways the irs will get their hands in your pockees. don't go away.
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they did not finish their job, and we are the people who are getting hurt, right? >> absolutely. we want to do tax reform this year, so why bother messing with all of these extenders to take care of them all at once. the real reason is they are worried about losing the real revenue by extending them. gerri: they want the federal government to have more and more of our hard-earned money. this is especially valuable for people in texas and florida where there is no statewide income tax. you used to be able to take the state and local sales tax write off. this has been around since the mid-to thousands, saved saved people billions of dollars. if congress renews it later this year by two january 1, great. for people who are trying to keep receipts and take a dollar
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for dollar deduction, they are out of luck unless they pre-guest what congress was going to do. gerri: these are small things but they make a big difference to your personal bottom line. another thing people love is the mass transit deductions a lot of people take. there are things you are going to want to know about. >> it has been reduced by $115 per month. multiply that by your highest tax bracket, and you figure out how much you are going to lose. if you're in the 25% bracket, that is an extra $25 per year in taxes that you are going to have to pay. gerri: if you are a lefty in congress, this is a green initiative, my friends, that you turned back. bonus depreciation, sounds like a lot of words. what do they mean? >> this was for larger amounts
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upfront, sort of a stimulus. the amount they could write off, $500,000 last year, $25,000 this year. what a headwind when you are thinking about higher obamacare tax rates, more regulations from obamacare, the higher tax rate that was extended in 2012. how in the world is a small business going to be able to plan this year on expanding? gerri: make life difficult for small business. there are huge tax advantages for people. we will continue to, but these are the little things they will get you with. >> there was a $4000 deduction for higher education expenses, that is gone. people who may have been planning to enroll in the winter semester might have taken a look
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at that and said forget it. they are now out of luck. teachers used to get above the line deduction for out-of-pocket expenses they put into the classroom. no longer. if congress restores that at some point in the year, they are again teachers who might have said forget it, i will not keep all of these receipts, they will not be able to substantiate their deductions. >> ira distributions to charity. >> incredible. you used to be able to write off the required in a moment's traditions you could take, by april 1 of this year you have to start taking money out of your ira. you get taxed on it, he used to be able to give that to charity and save on it. again, if congress restores this at some point during the year, what about the people who have already had to take the tax hit. some hopelessly ridiculous
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schedule to reclaim the money. gerri: homeowner forgiveness. tell me about that. >> cancellation of debt income when you try to get out from an underwater mortgage. a provision enacted at the beginning of the housing crisis to get out from under the mortgages. now they will face a tax penalty. maybe not as many people now that the housing market is booming but still if you are one of the unlucky ones, this could wipe out a refund or worse. gerri: i don't think people see what is coming. 2014 will be the year of the tax. a lot of people will get hit, it will be ugly. we will cover the heck out of it. we will have you back soon. >> always a pleasure. gerri: later in this show, fox news host meghan kelly will help us with our users guide.
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have you done that? >> i fly close to 100,000 miles per year the last 10 years, i am sure two or three times i've gotten sick from folks on airplanes. i am sure i have. gerri: everybody tells me the error is so bad, that is what makes you ill. is that right? >> is a bit of a myth. i have filters and aircraft much better than hospitals in an operating room. if you think you are breathing all of the particles in germs from everybody else, you aren't. on the new aircraft, the filters are better. much better in an airplane than a hospital room. gerri: we found this out, my trustee producer found information on mercer on planes.
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a bad bug making people super sick. unbelievable. 3%. >> it is the hard surfaces. the seat backs, the armrest, tray tables, those are the incubating grounds for all those things. what we have done is taking sanitation wipes and wiping those things down when we get on an aircraft. my wife is a bit of a german phobic so wipe them down and usually it is not a big deal. even today it is hard to have the tray table down because the seat in front of you is on your lap anyway. gerri: so airplanes do not stack up so well with the rest of the world. 60% test positive. the rest of the world much lower. personal vehicles 3%. 6% of public restrooms. why are these airplanes so dirty?
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>> the main reason is people fly sick. it costs $200 if they change their tickets. nobody is willing to do that. it is difficult to get people to change their flight today because it is so costly to fly and they know it will be very expensive to handle that. gerri: you have already mentioned wiping things down. >> we do it at the gym. that is the best thing you can do. you don't want to be touching those things. if you have somebody next to you who is clearly ill, chat with the flight attendant. you are supposed to be listed off of a flight if you are clearly ill. you can ask to be moved, unfortunately now there is no middle seat to be moved to,
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sleep flight attendant is supposed to handle that particular situation. all you can do is build a barrier, point all the novels in the other direction and hunker down. gerri: put something over your head. i feel like doing that all the time. if they get the telephones on the flight, i hate to bring this up at the last minute, that will bring me over the edge. i will drive everywhere i go the rest of my life. >> this one resolution for that, bose headsets. gerri: thank you for coming on, thank you. >> youtube. gerri: what was once considered safe prescription drugs could be causing severe liver damage. and more when i am joined fox news host meghan kelly with her story on how she quite successfully changed careers.
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remember, while your medication is doing you good, a dry mouth isn't. biotene -- for people who suffer from dry mouth. gerri: and is a new year and the new you. for many hopefuls, maybe a brand-new career. our special user's guide continues tonight with a very special guest. joining me now is megyn kelly, host of the kelly files on the fox news channel. megyn: thank you for having me. i have been practicing law for about nine years and i decided it was too much of a grind. i wasn't enjoying it. so i wasn't happy doing it. so i figured okay, this isn't what i want to do anymore. what can i do. it's i wanted to find a job that would be intellectually stimulating and fun.
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gerri: there's a lot of paperpushing. megyn: a great law firm that i loved, all the people were great and we tried a bunch of cases, which is rare at that level of practice. and when you're at trial it was great, but most of the time you're not at trial. and it is a stressful and adversarial job. so i asked myself what i want to do and i just thought it would intellectually stimulate me. i originally thought that i wanted to be a broadcaster. and it said that i should be a journalist in the aptitude test.
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but then i try to get into school and they rejected me. [laughter] gerri: that is my first tv job and you look so cute. megyn: it was a carjacking and it was hilarious. i can tell you that each one was such an amazing thing, look at that blouse. the one that is a bad thing about going back and seeing old footage. megyn: there was no hair or makeup person in washington dc at that station. gerri: how did you break in their? gerri: the lord took my resume and i got resume tape and i started cold calling and i convinced him to let me drop off personally. and if he later described it i threatened to put a stiletto in his ip didn't put me on tv.
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gerri: that is the take away there. you cold called. you can't be too and mighty megyn: and i make good money. but it took -- you can't let that be the driver. and let that be the driver. because of you pick something that makes you happy, you will work hard and enjoy it more. and you will thrive more easily and it will be easy to succeed doing it that way. we can't do it the other way around. gerri: i know people who did that and they are unhappy and burnout. so what do mom and dad say? sure you are as a successful attorney, you had an incredible amount of college debt and you say, i think i'm going to go work for $17,000 per year.
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gerri: about myself through law school. megyn: i had put myself through law school i had to work through a lot and i had no wardrobe. when i wanted to make the leap i didn't have that debt on me anymore. so my dad has way when i was in high school so was just it was just me and my mother. but that is part of what may made me make the change. when you lose somebody in life it underscores things. it underscores how short a time that we have here. and don't screw around. if you're unhappy in her job and think about ways that you can improve your life. or a lot of us have built a lot of responsibility. the challenger so is the message
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gerri: sometimes going and doing something different can be really good for folks. megyn: i think that that is true. my own personal life motto is settle for more. if you keep asking yourself whether you are doing that, you won't find that a happy person. gerri: absolutely. megyn: at this isn't good enough, at the same time i changed careers actually ended my first marriage, which was to a very dear man that we are still friends. but we realize we were more friends than we were meant to be husband-and-wife and it was all part of the self-examination of saying that am i really where i need to be? am i happy as i can be? or do i want to settle for something more? happily i am married now and i have three kids and a great job. and i think that i have complaints like anyone in the unhuman. but i'm happy. but it's because largely due to
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change my career at. gerri: settle for more. don't be afraid to cold call. and carry your stiletto heels. done. and you're halfway there. [laughter] gerri: thank you for coming on. megyn: see you tonight. gerri: be sure to watch the kelly files on the fox news channel. coming up next, a new year and the new you. getting itself organized. time now for a look at stories you are watching on fox business.com. the economy is growing and the survey says deans and consume consumer spending are healthy. and apple is refunding $32.5 million to consumers to settle a federal case where kids make purchases without mom and dad knowing on their mobile apps. they say some of these charges have cost them thousands. and the dow jones had another
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triple digit gain. more bad news coming out of the jcpenney stock. the retailer said they would close 33 underperforming stores and cut 2000 jobs. they hope the company will save $65 million per year. those are some of the hot stories on fox business.com. when we come back, advice on keepinuse warm this winter and a health warning. popular drugs could contain too much acetaminophen. details are coming up after the break hi, i'm terr and i have diabetic nerve pain. i worked a patrol unit for 17 years in the city of baltimore. when i first started experiencing the pain, it's, it's hard to describe because you have a numbness... bu yet you have the pain like thousands of needles sticking in your foot. it was progressively getting worse, d at that point i knew i had to do something.
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when i went back to my healthcare professional... that's when she suggested the lyrica. once i started taking the lyrica, the pain started subsiding. [ ale announcer ] it'snown that diabetes damages rves. lyrica is fda approved to treat diabetic nerve pain. lyrica is not for everyone. it may cause serious allergic reactions or suicidal thoughts or actions. tell your doctor right away if you have these, new, or worsening depression, or unusual changes in mood or behavior. or swelling, trouble breathing, rash, hives, blisters, will g, or skin sor from diabetes. common side effects are dizziness, sleepiness, weight gain a swelling of hands, legs and feet. don't drink alcohol while taking lyrica. don't drive or use machinery until you know how lyrica affects you. those who have had a drug or alcohol problem may be more likely to misuse lyrica. ask your doctor about lyrica today. it's specific treatment for dietic nerve pain. to hear more of terry's story, visit lyrica.com. it's specific treatment for dietic nerve pain. (voseeker of the sublime.ro.
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pharmacists to stop prescribing painkillers with more than 325 milligrams of aniseed as acetaminophen. because of the risk of severe liver damage. with one that's we have our doctor who is a liver surgeon. you have an expertise that you bring to bear. he said he's known about this for a long time. how serious is the? >> this could be a serious thing that could damage your liver. gerri: that seems shocking to me. we all take tylenol the time and for various reasons and we never think about the piling on. you could actually die an overdose. is that correct? >> if you take more than 4 grams a day and what is important here is what is valuable over-the-counter and sometimes it takes to at a time which is 1 gram. you take this four times in one day and you are at the risk of
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liver injury. nationwide it creates 78,000 e.r. visits per year. which leads to 33,000 hospital admissions per year and fortunately most of the time it is caught early. gerri: absolutely. completely unnecessary. i don't think people are aware. here's my other question about this. so i don't take that much aspirin per day or tylenol per day. but over time i take a pretty decent amount. this is the damage over time? >> it's not proven. no studies have ever shown the taken over time it builds up in the liver. but it's very important to know that if you have a liver disease like cirrhosis of the liver or hepatitis, it is not necessarily affecting you. but worse than any normal person. in other words if you turn this
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around you could say that a healthy person is just that the same risk of liver injury from acetaminophen. and acetaminophen is a drug that is part of many medications and it's not just what you buy over-the-counter for painkillers. gerri: what else is it in? >> it in many medications that are anti-inflammatory and in many prescription painkillers that are associated with other drugs like this. gerri: let's say you're taking something for your cold and flu in your taking an aspirin on top of that because you have a headache. at the end date you could be taken enough to really injure yourself not be aware of it. what should people do and what people think about? >> people should be aware of the facts that acetaminophen is in many drugs and warnings will be issued now and it will be on the cap of the medication and it is
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the abbreviation that will sometimes appear on the bottled. gerri: that is one of the things that the federal government does that does not help me. i need the word on the label. i think everyone knows what a sediment of finance. >> this will be on the label and on the cap of the medication. and it's very important. another important thing is this medication is not available in iv form but it's widely used in the hospital. so a lot of doctors want to know about it. not just consumers. because a lot of my residents, they know that acetaminophen is on a list of allergies. gerri: that is very interesting. a big warning for people out there. certainly something you have to think about. while over-the-counter pain relievers aren't impacting everything just yet, there are other items that you should invite your local drugstore. that list is tonight's top five.
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number four is cleaning products, the 100-ounce container of tide will cost you more than if you bought it at a grocery store. and make out. retailers like wal-mart or target will have them. number two is food. clearly a change and then you will be paying convenience store prices. and the number one item not to buy his drugs. costco is actually the cheapest place to buy most prescription drugs and over-the-counter drugs are cheaper. so think about it. next time you go, think about what you are paying. still to come is my "two cents more" and a warning for your
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home. space heaters are a major cause of fires. what you do need to think of to say save this winter. ♪ ♪ welcome back. how is everything? there's nothing like being your own boss! and my customers are really liking your flat rate shipping. fedex one rate. really makes my life easier. maybe a promotion is in order. good news. i got a new title.
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safety organization. thank you so much for coming in tonight. we appreciate your time. why are these things so dangerous? you hear about them catching fire all the time. >> well, leaving them on shouldn't be a problem at all. but the fact is if you have her heater with combustibles of any kind, the always have a potential for fire. we recommend that we cut down on the use. keep it 3 feet from the heat. keep all combustibles 3 feet from the heat. and that should be a guideline for using a space heater of any kind. gerri: i like that a lot. so when out there shopping for one of those things, what are we looking for? any safety features i should be looking at? >> certainly want to look to make sure that it certified
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which means that a manufacturer has taken the initiative to submit to independent organization and we have run it through all kinds of safety tests and performance tests to make sure that it meets the rigorous standards. gerri: i have been to your lab and i have seen what you do and it's pretty darn impressive. i don't know anyone else that is running the kind of testing the you guys are. is there a specific heater that you recommend? >> we don't recommend any specific one. but it meets your needs of the right side and is exactly what you want, that's the heater for you to buy. gerri: i worry about keeping them on a long time. we have three stories and there's always some room in our house that is a little bit cold. can you keep them on overnight? are you okay with that? because that is something that really worries me. having a fire when you're asleep. >> certainly you can keep them on and we test them for
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long-term use and we expect that they're going to be used for a long period of time. and you want to make sure that if you have a heater in a room tried to supervise them. and so it is a good idea. especially if you are leaving the room, turn it off. gerri: extension cords. that could be a problem to? >> yes, we always recommend that you don't try to use extension cords if at all possible. locate the heater near an outlet. but if you do have to use an extension cord, these heaters are one of those that are the most colorful of anything also you have in your home. so your extension cord can be what you use behind your on your couch to power a lamplighter and table in your living room. you need a more robust quarter that's able to carry the current to power the heater otherwise it will overheat and then you could have another fire hazard.
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gerri: that is not good. 18,000 home structure fires. 1100 injuries. 423 million in property damage and you have to be careful with this space heaters. thank you for coming on. gerri: it is my pleasure. any time. gerri: we will be back with my "two cents more" and the answer to the question of the day, have you ever changed careers? stay with us next. [ male announcer ] e new new york is open.
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open to innovation. open to ambition. open to boldids. that's why n york has a 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 something that creates more jobs, and ows more businesses... we're open to it. start a tax-free business at startup-ny.com. we're open to it. my dad has aor afib.brillation, he has the most common kind... ...it's not used by a heart valve problem. dad, isays your afib puts you at 5 times greater risk of a stroke.
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that's why i take my warfarin every day. but it looks like maybe we should ask your doctor about pradaxa. in a clinical trial, pradaxa® (dabigatran etexilate mesylate). ...was proven superior to warfarin at reducing the risk of stroke. and unlike warfarin, with no regular blood tests or dietary restrictions. hey thanks for calling my doctor. sure. pradaxa is not for people with artificial heart valves. don't stop taking pradaxa without talking to your doctor. stopping increases your risk of stroke. ask your doctor if you need to stop pradaxa before surgery or a medical or dental procedure. pradaxa can cause serious, sometimes fatal, bleeding. don't take pradaxa if you have abnormal bleeding or have had a heart valve replaced. seek immediate medical care for unexpected signs obleeding, like unusual bruising. pradaxa may increase your bleeding risk if you're 75 or older, have a bleeding condition or stomach ulcer, take aspirin, nsaids, or blood thinners... ...or if you have kidney problems, especially if you take certain medicines. tell your doctors about all medicines you take. pradaxa side effects include indigestion, stomach pain, upset, or burning. if you or someone you love has afib
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not caused by a heart valve problem... ...ask your doctor about reducing the risk of stroke with pradaxa. if you have a buness idea, we have a personalized legal solution that's right for you. with easy step-by-step guidance, we're here to help you turn your dream into a reali. start your business today with legalzoom. gerri: we like to read your e-mails. dwayne from indiana is writing about the effects on veterans. he says i'm totally fed up with congress. what they are doing is evil in my mind. and one individual disagrees. saying that everyone must pay the pain of balancing the budget. and thank you for your financial insight is what another viewer says. your broadcast is fair and balanced and it is a pleasure to watch her segment each evening. martin, thank you so much for
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that. and as part of this week's users guide to a new year and you, we have a career coach and i spoke with megyn kelly about how she decided to change hers. gerri: if you are lucky enough to have a job, keep on keeping on. the problem with that philosophy is you can go a little stale and a little too complacent. %-market.not be the perfect job in fact, it's not even close. his december's jobs report is any indication. but what else could you do? what else might you be good i quit remarked what might make you more money? except the staff of "the willis report."
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and that is my "two cents more". and coming up tomorrow, our users guide to a new year and a new year with help on getting you organized. that is it for tonight "willis report." thank you for joining us and have a great night. >> the bipartisan senate intelligence declassified report on benghazi. lou: that report shows the obama administration was one of three full months before the terrorist attack that al qaeda was on the rise in libya. and we swore affiliated groups carried out the deadly september 11 assault. and "the new york times" was flat out wrong. i am lou dobbs.
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