report is next. thank for being with us. ♪ ♪ hello, everybody. i'm gerri willis tonight on "the willis report." new questions about the so-called expansion of health insurance under obamacare. the majority of new obamacare enrollees already had coverage. also, it was blamed for much of the housing bust. now interest-only loans are making a comeback. and got a great new idea? well, get moving. actress jessica alba is here to talk about her new business and how you can do it too. we are watching out for you tonight on "the willis report." ♪ ♪

welcome to the willis report. the broken promises of obamacare, well, they keep on piling up. the "the wall street journal" reporting two-thirds of obamacare enrollees already had health care coverage. already had insurance coverage. of course, that leaves doubts that president obama's promise of helping the uninsured will actually happen. with more on this dr. kevin campbell, a cardiologist, and a health policy scholar at american enterprise scholar. i thought the point of obamacare we were going insure the 48 million americans that don't have insurance or at least 25 million of these. what do you make of this? >> well,, you know, it's the -- it was the ultimate goal, but, you know, between the poor performance of the government running the website and the restrictions, which make the insurance really a bad deal for an awful lot of people. i think it is discouraged a lot of people. plus the new rules basically

mean that 5 million people lost their coverage over the last three months. >> 5 million people losing coverage. we covered that story. and the heartbreak of that; right. i mentioned at the top two-thirds of folks had some kind of coverage. that depends on the study you look at. there are other studies that say proportionate of people with coverage is higher. only 11% of consumers, according to mackenzie were insured. can you imagine that? you look at numbers, is it shocking to you? >> it actually is not. what it is about is rearranging deck chairs. instead of the mission of insuring the uninsured. because of the restrictions that were mentioned, folks are losing their coverage, having to go the exchanges and sign up for more expensive coverage with less choice. we're just rearranging deck chairs and meeting the mission that the president, you know, said that was why he was creating the affordable care act in the first place.

>> gerri: you mentioned before people were omitting for something they thought was going to be affordable. it turned out not to be. the average deductible for the plans, the gold and silver plan, that is, $5,000 deductibles. at the end of the day the out of pocket costs are pretty darn high. it seems to me that a lot of people can't afford that. it. >> absolutely. the people we're talking about are people who don't have insurance through the employer. by definition, these are people with lower incomes. so when you say give up the insurance you've been paying for yourself that probably has about $1,000 deductible but doesn't cover all the things that the president says you should cover, and trade that in for coverage that with the premiums likely to be higher unless you get a subsidize, you know, they still have to come up with the $5,000. they didn't have that in the first place.

that's a terrible tragedy for a lot of people. >> gerri: well, dr. kevin we talk about the broken promises of obamacare. can't keep your doctor or coverage, et. cetera. it seems to be the big one, to me. the whole reason we put the law in to effect in the first place was to help people who didn't have coverage. now we're not helping people who don't have coverage. it makes no sense to me. and you say? >> i agree with you 100%. if you do the math and make some assumptions that the folks who have signed up have paid a premium. we're talking about probably about 66,000 people that signed up that i were previously uninsure first-degree comes nowhere close to the 7 million people that were estimated to need this and want this and be a part of this. and, you know, you're really hurting the working mom and dad that are trying to better themselves. trying to do the very best they can. they're getting these plans that are just very, very expense pitch they can't afford them. they choose to go without

insurance and pay the $ate penalty. it makes no sense. >> gerri: here are the numbers. that black black close to actually getting payments on those insurance policies. keep in mind, the number huge. 48 million people uninsured prior to the passage of the act. 25 million was the goal ultimately the administration haa said forgetting coverage we're a long way from that. i want to move you to another story about obamacare. the irs saying you know what? those rules in obamacare that force companies not to give the pretty health care packages to executive but make them have the same package as workers in the company really can't get to that right now. joe, why is that? >> well,, you know,,part of the problem is that this was more political hype rather than reality. when the law was passed, the president said we're going make it fair for everybody.

the problem is that making it fair for everybody means a lot of people are goiig to lose their coverage. who otherwise would have had it. the basket idea here is that executives can't have better coverage than regular workers. which sounds like a reasonable thing. but the way they have implemented it for the last 30 years for some companies is to say that, you know, even workers are certainly not well-paid are caught in to this trap. so the reality is, that by trying to extend this to all firms, the irs realized this isn't working. >> what they're saying we haven't had time to write the role. this is sort of the ultimate the dog ate my homework excuse. it hasn't gotten quite to that yet. dr. kevin. what are you seeing in your offices? do you have people saying i want

to pay your bill, i don't know if i'm coffered. i try to get obamacare coverage. t no happening. >> i'm seeing story after story after story where they come and say, dock, i'll pay you when i can. i'm waiting on the exchange. i asked what happened. i went to the website and couldn't get on. i went to the phone center and couldn't find anybody. i finally went in person and they put me on some list and finally call me back. i just have to tell them, don't worry about it. we'll take care of you and sort out. these are hard-working good folks gasoline that's right. the great state of north carolina. >> exactly. >> gerri: joe. the gaffe, the problem, the difficulties, i consider it a huge problem that we're not insuring uninsured folks. what does this mean for the implementation of the law ongoing? what does it tell you about what is coming next. the next shoe to drop? >> well, they're in trouble now. it's only going to get worse. the idea there's this mandate that requires people to buy --

they have to drop that. they can't follow through on their own. it's not the people don't want to buy insurance, they just can't buy affordable coverage worth anything. and they can't get through the system. so they're going to have to drop that requirement. they're going to have to drop the there are 95 penalty. think already dropped the penalty to employers. this thing is -- this sing is self-de-- self-instructive. it's a different law every day of the week. joe and doctor thank you for coming on the show. great to see you. thank you very much. >> thank you. >> thank you. >> gerri: thank you. we have more to come this hour including a look why some banks are reverting back to old habits. and parents, taking to the streets this month calling par choice of school for their kids. next, a lack at what they're fighting for and why they say now is the time. ♪ ♪

♪

gerri: who has the right -- who has the right to pick where a child goes to school? the town or the parent?

national school choice week is putting the spotlight, that is, on parents' choice and kicks off january 26th here with what to expect. the president of national school choice week. so the week is about to proceed. i want to talk to you about school choice. i think that is the important issue a lot of our viewers are interested in. let's talk about why this is such an issue, how do you define school choice? >> well, it's an issue because we as a country need to grapple with the fact that far too many children are not getting the education they need to be prepared for their careers or for reaa life. gerri: i can imagine -- i'm aware of the numbers how far behind american school children are. %-why is choice the answer?. >> because choice has worked in every other aspect of american society. when it comes to buying a car, we have choices. when we go to the grocery store, different options of food we want to buy. we've our cell phone plans.

we should be able to choose schools children attend whether it's traditional, charter, private school, online learning. gerri: you're agnostic when it comes to the choice. you want to have choices. we're talking about academic performance. take a look at the numbers. american student scores 17 in the reading. 21st in science, 26th in math. you say that one of the issues here is kids drop out and that costs society. >> it costs society. it's a huge hidden tax people don't know about. from one year of dropouts, and every 26 seconds another child drops out of school in this country [one year it's an democratic drain of $1 54 billion out of our economy. gerri: how is this possible? >> we're not providing parents with options in enough cases to send their kids to school where they're going to be challenged and motivated and want to learn. gerri: you're saying the kids' earning go down so much. >> $10,000 year difference

between a child with a high school diploma and a child who drops out. not to mention the psychology and -- when a child drops out there's a lot of dispair. gerri: one of the three predictor of poverty dropping out of school, getting pregnant, not getting a job. so school is critically important not just to the kids themselves but also society too. i was asking you what is the biggest obstacle that you face, and i thought it would be teacher union. you said no. >> no. i don't think it is. i actually think on some issues question agree with teachers unions, certainly we agree with a lot of teachers. number one, we need to pay great teachers more money. in far too many school districts in this country, a lot of money is locked up the central offices. bureaucrat and middle managers -- gerri: salary. >> they're not giving teachers raises for six years. that's ridiculous. these are the people educating our kids. so these are the people who don't want competition.

the bureaucrats. now, in districts where there is choice, places like houston, where we have a robust menu of options for families, they are providing teachers with the resources they need to do. gerri: they get paid more? >> they do. gerri: i want to ask in question. i know, a lot of people say, you know, choice is nice but at the end of the day a lot of schools charter schools they're sucking up public dollars and sucking up a lot of private dollars. why not just put all that money to the public schools. and offer them very best school possible. there's something about that. >> we spend more money as a country than 17 other industrialized nations. and we are -- gerri: on education. >> on education. we are 21st in graduation rates. we must do better. we can't just say let's put money to a system. we should say let's fund an individual child and let the parents determine what school meets that child's needs. parents, gerri, they know the best type of school for their

kid. they know their child the best. gerri: it's different everywhere you go. what is available, what is good, what is not so good. thank you for coming on tonight. great to see you. good luck with your week. we'll don't follow you. thank you. we want to know what you think. here is the question should parents be allowed to send kids to a school of their choice? log on to gerriwillis.com. i'll show the results t the end. we are more coming up. that woman joins me to talk about her project "honest company" and why she's taking a break from acting to focus on it. they were oning of the problems leading to the mortgage meltdown. why are banks turning back to interest-only loans. stay with us. ♪ ♪ ♪ ♪

gerri: still to come --

they were blamed for helping crash the housing

♪ gerri: interest-only mortgages. remember those? they were very popular during the housing bubble until the bubble burst. you think banks would want to steer clear of the loan and the government new mortgage rules would stop them. guess what? that's not the case. the personal finance expert is here. what do you make of the? >> hello. well, the reason they contributed to the mortgage meltdown they were, you know, marketed every tom, dick, or harry have it. take the loan, no questions asked kind of thing. that's what got us in trouble. everybody was taking them out.

very affordable amounttive for so many people. unless they're done the right away. fine. gerri: let's talk about what they are and how they are different from a conventional 30-year fixed loan. >> you're not paying anything down for five or ten years. nothing at all. you're making nice monthly payments 30 or 40% less than the typically -- gerri: because they are interest only. you can potentially use as money to fund other things. use the money to do other investment and do renovations and at some point you pay downtown principle maybe you gate bonus. that's why nay are popular with the wall streeters. people bonus or commission-based you can afully any time. very flexible repayment options which is why they are popular with spotty income or someone who qualifies for traditional mortgage but doesn't want them. >> they went to everybody and their mother during the boom. people who had no business having them. they should have used a little more brain cells on that.

sheer what tom from welfare go said. we don't believe the products lower initial payment should be used for customers to afford the mortgage. i think one of the issues with these new rules and regulations they're putting in place that require these strict kind of ideas about what a loan should look like throw the baby out with the bath water. people should choice in which kind of mortgage they get. >> now they are choice. it's not marketed to the masses. they are marketed to wealthy individuals. people with lot of income, lots of assets, people who are financially responsible. they may have a good relationship their bank and wells fargo or chase or whatever the bank. it's a low-risk loan, i should say for a high-worth network individual. gerri: bank of the west. we know interest-only loans can full the mortgage needs. even if they don't fit the definition we will continue to offer them as before.

so still doing it. and for good reason. >> still doing it. most loans under the new rule will fall under the qualified mortgage rules. 92 percent of loans now are already the qualified mortgage rule. a lot of people play by the game. people don't want to assume the risk. if something goes wrong, then they're liable. gerri: i think the frustration for so many folks out there is you want to get the mortgage loan and it's very difficult to do. they're still stingy. >> it's going to be particularly tough in 2014 because of the hoops there that continue to jump through with the debt to income ratio. you have to meet that and have the documentation to back things up. a lot of people have very spotty income these days. a lot of us are working from home and part time jobs. so you to jump through hoops to get the mortgage. people are saying it's going to be pretty ticket. they're saying as mortgage rates rise and expect them to rise to 5% by the end of this year. maybe the regulation will loosen

up someone. gerri: why would it change? >> they're going business. there's new -- they need to attract the buyers. initially i think it could be pretty duff. thing mace loosen up a bit. gerri: is what we have going on. this is from the morning bankers association. they know about mortgages. the concern i know there's a lot of worry the new rules are going to quash mortgage lending it's going make it more difficult for people to get loans. >> it's going make it a reset. i mean, we're going if back to the way it probably should be. too many people were in homes they couldn't afford. >> it's stricter and have to jump more hoops. here's what i don't like, it tells bankers precisely what to do. >> right. gerri: i think at the margin bankers need to be flexible to acccmmodate their good customers. >> right from from the bankers perspective as long as they know the clients are going to be good on the debt. they repay the loan and have

finances to do so, they want to lend them money. gerri: we'll have to wait and see. thank you for coming on. coming up, movie star jessica alba is here to tell us about a project close to her heart. we're looking out for you and money with the financial panel. our experts are here with their advice on retail stocks. should you buy target's? ♪ [ me announcer ] this is the story

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gerri: security breaches at target and neiman marcus. the ominous warning that more stores are under attack. retailers are getting hammered by bad news. is this the best time to avoid buying retail stocks are the best time to go all in? monist we have a research analyst and hilary kramer, the

president of amg capital. and the cofounder of the rich financial. retail stocks are down 5% this year. a ton of bad news as i just read. is this an opportunity? >> yes, the stock is pretty cheap. trailing cash flow. if you look at other examples of this and a payment card company, heartland payment systems in 2009. they had the same problem 130 million customers affected. and they came through it. >> is a buying opportunity for target. jcpenney is going away, target is not going away. the big-box players to get in there, there's more room now. gerri: as you look at this

stuff, do you like this sector? i'm not convinced that consumers are thrilled. >> i hate to be the black sheep but i am disagreeing on both. gerri: oh, good. i love it when people disagree. what's interesting ii target had estimated 40 million and than 70 million minutes hundred and 10 early in and if it continues it will be a major impact i think the market is slightly top-heavy anyway. >> every consumer will have to deal with it and it's across the board. gerri: lies on a positive? >> because target is the one that came out that.

the target was so up front. they dealt upfront that the best that they could. gerri: i don't know if they were up front. that's an issue that will have to debate at some point. let's go back to the retail sector as you look at those numbers coming out of christmas. what does this tell you about where consumers mindsets are and what they might be doing. what will they do in 2014? >> i'm less worried about making this overall call. i'm more worried about the valuation. i want that negative sentiment. if you tell me that there's a report that says that there is negative sentiment, kind of like it because i know the target is not going away and i know that it's cheap here.

still on the question is loosey-goosey with the spending. are they going to be that way or not? >> it doesn't matter to me. this year, next year, it's all going to come out in the wash and they will quote the evidence 23% for the next four years be -ne it is really about individual brands. >> it is about trends and popularity. abercrombie and fitch has started to come back. and their other retailers adjust draw the crowd and have the brand. he will be strong going into 2014. there is any kind of glitch.

>> if you talk to anyone in the i.t. business, they will say in 2012, they're almost 11 billion. and we don't have the numbers for 2013. so i don't see this going awayy3 anytime soon. if we could get a pullback, remember that we have a market that is 840 plus days. we haven't had a 10% correction. we are overdue. gerri: we are looking at gdp of maybe 3% of people are excited about that.

>> the price equities are not good. they don't correlate. over time and you'll you will get great businesses trading at cheap prices. it's also the potential that is out there. there is opportunity in biotech and and the banks and the financial services in the base can actually be more profitable. >> i think the second part of the year is going to be more interesting.

gerri: by the postal unions are up in arms over a new situation. and jessica alba is here to talk about her latest venture. don't go away across america people are taking charge

of their type 2 diabetes with non-insulin victoza®. for a while, i took a pill to lower my blood sugar, but it didn't get me to my goal. so i asked my doctor about victoza®. he said victoza® idifferent than pills. victoza® is proven to low blood sugar and a1c. it's taken once-a-day, a time, and comes in a pen.

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which may be fatal. stop taking victoza® and call your doctor right away if you have sis of pancreatis, such as severe pain or from your abdomen to your ck, with or without vomiting. tell your doctor about all the e and if you have any medical conditions. taking victoza® with a sulfonylurea or iulin may cause low blood sugar. the mo common side effects arnausea, diarrhea, and headache. some side effects can lead to dehydration, which may cause kidney problems. if your pill isn't giving you e control you need ask your doctor about non-insulin victoza®. it's covered by most health plans. gerri: you know them from the big screen. but i bet you didn't know that entrepreneur is on her resume. jessica alba teamed up with the ceo of a nonprofit to start the artist company dedicated to

providing families with state parks for their children in homes. jessica and christopher to me now. it's great to have both of you here. gerri: jessica, you are more beautiful in person than on screen. i had no idea how that's even possible. >> thank you in. gerri: what drove you to start this company? >> what drove me as being a mom and one in the safest and healthiest environment for my kids. and i was looking around in the marketplace at family products and i could not find the products that i wanted. and i certainly had to compromise on price. anything that was eagle or green or any of those things and many are alternatives, it was three times the price and it didn't even really work. and i thought well, something has to give. like why can't we have great quality high quality products

that work really well that are beautifully designed. affordable. >> she is researching problems in understanding what are the health risks in everyday products. also knowing that the regulatory environment is not as strong. so ultimately she said why isn't there one place, one source, one company that will build the products that i want better the healthiest and say this for my children. >> basically i didn't know that the product that my mom used on me that i grew up with was a completely different product in the marketplace today than it was when my mom used it. there have been 80,000 new toxic chemicals that have been introduced into the marketplace. and and they don't have been testing them for safety.

and in order for them to be regulation on a toxic chemical. and that's just crazy. gerri: i think that there are lots of questions about what is going to work and what is was going to make my family safe. and you talk about allergies and how many kids have allergies today. your products into question as well? >> yes, they really do. and we are so pleased with those reports. and we are focused on building the best product in. gerri: that is a high hurdle. does that come over to you.

he started off with baby products. tell us about this expansion? >> we did start with household cleaning detergents like shampoo and body wash. and i couldn't believe that i could buy them aa the store at and i was going to have a reaction like this and i did not want my child to be at risk we are going into feeding, we just launched our crib. for every crib that you buy we donate a crib to a child in need. spirits of this as a whole different thing. this is about giving back. why did this become a priority and what else arr you doing to make sure you are giving back as well as receiving people buying

your products? >> every new brand that exists needed to be the watchdog and number two have open arms and give as much as possible. we expect that. he asked what he going to do for the future. to our core we needed to do this. >> we invented it in our business model. so the most successful we are, the more weekend. gerri: social media, critical to what you're doing. jessica, can you tell us about how much social media gore involved in and why it is important to the brand? >> is important because the new village to raise kids is all mine. and i never bought a product when looking for answers on how to reduce my babies fever -- i go online. and i read blogs. i share information. and that is absolutely

important. and so that is something that i'm talking about is very important for our company. >> is that your mom is your best ally because your mom's turn to your friends do and it's difficult to know who to believe. and i understand you're taking a break to really focus. and i took a break after i had each child. i focus on this company at different stages. i worked on it for five years. gerri: what's the next move we should expect? >> i'm in a movie with kristin

reagan and it's on now. it's very campy. and then i'm in a movie called stretch. so it is a wild and r-rated movies. gerri: okay. two totally different things. christopher, what is next for this company? where you see yourself going? >> i think that we are looking at new product extensions and international distributions and building up the infrastructure of the brand. off-line retailers. gerri: right now it is primarily where you get our products. in one of them to be available to anyone where ever you are. the more and more moms are asking us to open local boutiques and grocery in grocery stores and department stores. so we are expanding into more traditional retail. gerri: christopher and jessica, thank you both for coming on.

what great stuff. and the products we have right here. still to come, my "two cents more." and it was meant to be a one-stop shop for consumers. so why are unions fired up over a plan to put post offices in your local staples store? stay with us. sonoma company. ♪ ♪ ♪

gerri: post office labor unions threatening a boycott. details coming up next.

gerri: the post office union is threatening a boycott of staples. the union is angry over a retail

partnership. after union members picketed headquarters in chicago. it's always great to have you here. so was that the postal service is idea to actually do this? what is going on? >> a lot of grocery stores, now the program is expanding and rolling out across the country. the average postal worker earns over $90,000 a year in salary and benefits.

gerri: the postal service is losing a ton of money. will this help them if they can sell some of their products? ultimately is a good management decision? >> the hours of these stories are more normal than the nine to five. so it helps consumers and the question is what is the alternative. the alternative is that we can't keep 32,000 post office is open all the time. and so some of them are going to have to close. it would be nice if people could still have access to facilities somewhere. the post office is going to have to change and it already has. did you know the last 10 years it has shed one third of its workforce? it has gone from 750,000 to 500,000. and that is because people are not the only things as much. the one i've heard of the internet. [laughter] well, i do think that it's interesting that the union is trying to force this change and

they are actually trying to sit down with the ceo of staples and convince him him him him that this really bad idea. but at the end of the day are they hurting themselves. >> people can finish up their career. in postal rates are going up. it will be the second increase in a year. gerri: what should be done with the postal service interview? i know you study the a number of different ways. >> i would say let's put all of these countries.

>> you look at other services that have evolved even though the u.s. postal service is still in operation. >> they have a monopoly below certain costs. it's not a real private company. gerri: i feel like what the postal service does come out a lot of times they serve an industry that is assisting retailers and that is what they are doing at this point. >> i think they are assisting garbage haulers. because that's what they seem them that went. [laughter] gerri: it's great to see you.

we appreciate your time. i spoke with megyn kelly about changing her career last week. how to remake the personal identity as well. >> once i figured out i wanted to do something ask him i asked myself what do i want to do. something that intellectually stimulated me that i would enjoy it. i had to take a huge pay cut for my law jocular first tv job which paid $70,000 per year. but i didn't care. i'm so much happier. now i make good money. but you can't let that be the driver. you have to say what would make me happy. gerri: great advice for megyn kelly. if you're looking for a change might want to consider one of the best companies to work for in "fortune" magazine. that night's the top five. quicken loans. despite the turmoil in the mortgage industry. offering employees a 20,000-dollar forgivable home on.

and number four is edward jones, the fourth largest financial services in last year the company earned more than $5 billion and had 3000 employees with turnover rate of just 8%. number three is the boston consulting group. this has been a popular one celebrating its 50th anniversary last year. number two is forget employer sponsored health care. and the number one company to work for an is google. employees scored big. every one of them is a shareholder. an accompanying thinning volunteer projects all the world. we will be right back with my "two cents more" and the question today. should parents and kids to a school of thhir choice? we will have a max. ♪t causedy a ♪he

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gerri: earlier this hour i was

joined by the president of national school choice week, pushing for parenting to have more options when it comes to their child's schooling, we asked the question on gerriwillis.com, 90% said yes, 10% said no. log on for our on-line question every weekday. >> i am still marveling over the story from our a-blocker. they had healthcare insurance. i thought thht wases point of obamacare. the reason taxpayers needed to pony up a trillion dollars was because we had 48 million with no health care insurance, the affordable care act is not so affordable. i wonder what the administrative fix for this will be? that isny two cents more. that is it for tonight's willis report, thanks for joining us,

dvr the show if you can't catch us live, have a great night. we'll see you back here tomorr tomorrow. lou: president obama plays solitaire with the race card. president obama blamed his sagging approval numbers on racial tensions not his scandal-marred administration or the failure of his signature healthcare law. the first black president of the united states, chose to make his remarks on martin luther king day. i am lou dobbs. >> good evening president obama's approval rating is at 40% today, just 2 points above his all-time low in gallup daily tracking poll according to a wide ranges interview with new yorker