you don't want to miss this one. it's tomorrow at 5:00 p.m. have a fantastic night. the willis reported is -- "the willis report" is coming up next. gerri: hello, everybody. i'm gerri willis. tonight on "the willis report." president obama gets set to deliver his state of the union. we'll show you the numbers the president s hiding. also, a new report on home prices. home values down slightly. will that trend continue this year? and low tuition rates with high academic standards. we have the new list of best value colleges in america. we're watching out for you tonight on "the willis report." ♪ welcome to the willis

report. your show, your money, your voice. tonight the state of your union. in a few hours president obama will give the annual state of the union address talking about his many initiatives including his efforts to bolster the economy but there are certain numbers the president almost certainly will not mention, but i will. starting with job growth. since president obama took office five years ago, he rate of job growth has been anemic nowhere near enough to make up for the 8.7 million jobs lost in the great recession. and even if the economy suddenly booms, it still could take years to get the u.s. back to prerecession leaflets when the job less rate was below 5%. while obama is likely to tout the unemployment rate falling from 6.7% from a high of 10 in 2009. the reason for the drop won't make the speech. millions of americas are dropping out of labor force. if they were countered are the jobless rate would be at least 13%.

for those lucky enough to have a job wages are falling. app typical full-time worker made $8 30 a week. that's down, less since president obama took office. that take-home-pay is squeezed by a rise of prices. with more on this john, moon any's chief economist. welcome back to the show. >> thank you. gerri: let's just dive in to the jobs market. because i think that's one of the critical areas we're way behind. do you remember 5 percent employment? >> barely. it seems so long ago. what makes matter worse. today we have more than million jobs fewer than we did january 2008. by the way, when reagan was president, we were coming out of a very severe recession. in 1982, the unemployment rate got as high as 10.8%. but when we were four and a half five years in to the reagan

recovery, we had created 10 million jobs more -- believe that's not happening. we're not -- we're just not seeing that right now. i think a lot of americans are so depressed they have dropped out of labor force. i mentioned before that if you accounted those folks the unemployment rate would be something like 13%. how do we get the people off the bench? >> it's difficult to do. the first thing we want to, perhaps, review is the extent to which government regulation of business is costing us jobs. perhaps, what should be proposed in the state of the union address, is a very hard cost-benefit analysis of the various government regulations of business activity, labor markets and the like. gerri: i have to tell you i don't think it's coming. i know, you would like to hear it. i don't think we will. interesting survey more and more people are saying i'm not middle class. i'm lower class. take a look at the number.

59% of people -- pardon me. 50% of people in 2010 said they are parking lot of the middle class. by 2014 it's down to 40%. >> we're going backwards. it turns over standard of living. we're increasingly faced with more competition for the ever cheaper and increasingly skilled labor market of emerging market countries. we have to do better in term of political and business leadership. we've got do better in term of education preparing ourself for a much more competitive global economy. gerri: do you see this getting better? in the waning years of president obama's tenure here? >> well, i don't -- i don't expect any miracles any time soon. i wouldn't hold any breath for any substantial improvement. they talk about spending more money on prek education, but the benefit of that aren't going to show up. >> we have to wait awhile. that's a very good point. everybody is on board with that. but that takes decades and decades to show up.

your opinion lines up perfectly with the wall street poll. 59% of americans say they're either peace messicked and worried and uncertain and wondering how the president will do for the rest of the term. people with big questions. how do you rate the president's performance on the economy? >> give him a gentleman c at best. i think a lot more could have been done. ultimately didn't happen. he perhaps became too concerned about the people that are supposedly making too much money. and he forgot about perhaps doing more to spur those individuals that are middle class and lower to try to do more to develop more skills, to develop a type of attitude and approach that is necessary to make headway in this global economy. gerri: you think we'll get a big bout of jobs coming. are you expecting recovery in the job market? >> not unless business sales pick up. i think we'll do well in term of

decent job creation. 170 jobs a month. some calling more than 200,000 are overly optimistic. more importantly, i think we're going to see sluggish wage growth. we're lucky it average hourly earnings grows by 2% annually during 2014. gerri: that's the big ouch. you're working yourself to death and still you're not making more money. john, thank you for coming on. it's great to have you on set. thank you very much. >> my pleasure. we want to know what you think. here is our question tonight. how is the state of your union? log on to jerry willis -- gerriwillis.com. one thing you can expect at the state of the union is the new general motors sitting in the vip box giving the president the perfect opportunity how the bailout of gm was a success. he saved the car industry joining us now a senior research fellow at regulatory policy at

the heritage foundation. welcome to the show. it's great to have you here. i really think there's going to be a lot of bragging about bringing the auto industry back from the brink. do you agree? >> yes. it's going to be a celebration of, you know, -- they may take out the champagne and post gm right on the spot. but there's nothing to celebrate though. gerri: we lost $10 billion on the thing. how can you be happy on something that cost taxpayers $10 billion? >> this is like the person who goes to a casino and brags how much money they won and they lost more than they won. but i won at lot of money. [laughter] it's a ask. gerri: i can just hear the -- compare gm with ford. ford just reported earnings. they had $1.3 billion in earnings. this is one of the best years ever. could they have done that with a bailout. they did it on their own.

did they need a bailout? >> ford did not need a bailout. now to be fair, they were asking for one early on. ford ceo was there with chrysler and general motors ad in hand. their finances were a little bit better than gm when they saw that the public outrage about the bailout at that time. they backed down. but i think ford's profit right now showed that there's a turn around in gm is nothing that was caused by the bailout or government ownership. it was an overall increase turn around in the market for cars. gerri: well, and that's sure what has happened other the last couple of years. we have seen some terrific numbers. interesting though, honda now exporting more from their plants here in the u.s. outside the u.s. and importing to this country. what does it tell you about what is going on in the auto market? >> well,, you know, it tells me

two things. first, its more -- confirmation of the turn around in the automobile market. it tells us that gm and ford are not the only two american manufacturers. and chrysler, if you -- honda is an american manufacturer. toyota is close to be a american manufacturer. >> the interesting thing, they didn't gate bailout from the government they are doing very fine for themselves, thank you very much. >> that is right. that is entirely correct. you know, another thing to not forget, the bailout was something that came after the bankruptcy. the bankruptcy was the key to getting general motors to continue as entity. the bailout was an extra $50 billion after wards or during the process. gerri: could they have survived without the bailout? >> the assets would survived.

the main probably would have survived. the stockholders would have been -- as they were. there may have been more changes. but the factories weren't going anywhere. the tools aren't gory anywhere. gerri: it's to operate them. >> yeah. gerri: okay. james thank you very much for coming on tonight. interesting stuff. there are many ironies in the state of the union tonight. you helped point out a couple of. thank you. >> thank you very much. >> be sure to stick around for box business for the special coverage of the president's state of the union. it will be hosted by our neil cavuto followed by a special live edition of stossel. we are going on and on attorney. >> obama will have to be a topic the president must address tonight. will he face reality or continue to sing the praises for a program that is clearly not working? stay with us.

it's been one broken promise after another. making -- joining me now what you can expect from the president.

joe the scholar of the american enterprise institute. welcome back to the show. it seems to me that this year he's going to have to address obamacare. there has been so much that has gone on this year. isn't he going have to come clean? talk about obamacare what it means for the american people and what is costing us? >> well, he's going have to talk about it. he's not going to have to come clean. [laughter] he's going to -- [laughter] he's going -- he's going give all the positives. he's going to claim that the website problems are now completely resolved and things are moving along and they have millions of people who now have insurance who didn't have it before, but he's not going talk about the millions of people who lost their coverage. he's not going talk about the millions of people who got pushed in to the medicaid program, which is not a good program. he's not going to talk about the fact that if you have medicaid you're going end up in the emergency room because you can't an appointment with the doctor. gerri: what you talk about all

the time. you can't keep your doctor or health care plan. according to a report last week, people who are on obamacare now are people who already had coverage. the miss fire on this program is monumental. where can he possibly say something is working correctly? well, again, you just leave things out and you have a story. and, you know, i think what he is going to really say is that things are looking up. you can't claim complete victory, but he can make a big statement that says that millions of people in the future will get benefits. gerri: well, in the meantime, joe -- >> the problem it's expensive. >> one of six americans are struggling to pay the health care bill. those numbers aren't good. senators who have a three brand new plan other than hatch, tom coburn, richard burr. they're saying repeal obamacare. we have something better to put in place. let talk about what it could.

all of obamacare basically turns in to a tax credit, i believe. tell me how to work -- how to works. >> they basically take away all the things that just aren't going to work anyway, and they go after the objectives that people really. but the a way that makes sense. so, for example, the president's plan abolishes lifetime limit on benefits. people want that. they are going to keep that. but they don't require people to buy insurance they can't afford. instead they take all of those requirements away and they give people an incentive. they say, if you're remain continuously insured, you can't be charged extra if you develop a health condition, you can't be refused coverage inspect is really a practical way of dealing with preexisting conditions. in a way that doesn't destroy the insurance market and make it

possible for people to afford it. >> it's not that the insurance market has been destroyed, i don't think it's it's been taken over the government mostly with the upside guarantee and downside practically removed. i think it's interesting the way it goes about doing all of those things. you're saying including allowing young people to stay on their parent's coverage until the age of 27, i think. it does this by taking look at deduction you can take for the health care getting it to everybody. people throughout can get a tax break for what they pay for health care even though they're note covered by an employer. is that the answer to the problems we're facing. what would it do for the deficit, for example? >> well, let me say quickly. it's a fair system that telling people who are below the poverty line they can't get a subsidize. so, you know, these are republicans have realized that you have to focus the help to people who really need it. what does it do to the deficit? you know, this is really in the kind of in the early stages, but

the senators expect that this will not add to the deficit. now, you know, admitly, the president's plan adds trillions of dollars to the deficit. gerri: exactly. >> a high bar. >> so many initiatives in obamacare. so many brick and mortar plans. i don't think the republican's plan has any of that. joe, thank you for coming on tonight. it was great to see you. thank you very much for being on the show. coming up later we take a look at the newly released list at the best value colleges. mom and dad, listen up. has the housing market reach the ceiling. prices dropping for the first time in nine months would it mean for 2014? we'll tell you. ♪

home prices take a dip for the

first times in month. is it a sign for what is to come? we'll have details in 60 seconds.

sing the family home prices taking dip of.1% in november ending what was nine straight months of price gains. is this the beginning of another trend maybe down? joining me now executive vice president of auction.com. welcome back to the show, rick. is this just a seasonal slow down or this the beginning of something entirely new? >> a little bit of it is probably seasonal, gerri. woe often see prices soften going a little bit in to the winter months. i think it's more of precursor what we canfect for fourth. i think we have probably seen the big accelerations in prices last year.

we can expect to see things slow down a little bit in the coming year. gerri: you say demand is weak. how do you figure? >> well, there is simply not enough an economic recovery in place to stimulate a lot of buying activity. the 25 to 30-year-old cohort, the people that should make up most of the first time buying activity has high unemployment and underemployment rates. they are living at home with their parents at historically high rates. and doing it because they don't have a job they can afford to buy a house with. they won't meet the credit requirements by the lenders or opted to wait for awhile until they feel more financially secure. it feeds the ecosystem. gerri: there is this. a lot of people saw home prices rise, and the prices actually outpace what they were willing to pay. so that is an issue. i think also banks are still being stingy and new rules in place about mortgages that are making it more difficult for people to buy homes. i don't know why the federal government has decided to stand

in the way of the recovery in the housing market. it seems to me uncle sam must not like housing. >> the nine scariest words in the housing dictionary is "we're from the government and we're here to help." you made two important points. home prices and interest rates have gone up and wages stagnated. affordability takes a hit not because prices are too high people aren't making enough money. and the other is with the new lending rules even the cfpb that put the rules in place acknowledged that 8 percent of last year's loans wouldn't qualify this year. it translates to 300 to 4,000 buyers who wouldn't be able to get a loan. even of the 92% that would have testimonily qualified. a lot of people won't get because the lenders are not taking any risk on. gerri: i see it all over the place. and fan and fred are certain limits that are going to make it more difficult to gate loan too. at the end of the day, do you think prices will continue to tick higher this?

>> i think because there's limited inventory and investor activity a lot of cash buying we'll see prices go up probably more like 3, 4, 5% on a year over year basis. we're not going to see another year with 13% growth. gerri: maybe there's an opportunity for someone in there. thank you for coming on the show. coming up, a warning you and your money before going to a broker for advice. next, getting the best bank for your buck when it comes to your child's education. the princeton review is out with the best-value colleges. ♪ ♪ why? because selling thfunds makes them more money. which makes you wonder. isn't at a conflict? search "proprietary mutual funds". yikes!! then go to e*trade.

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>> from our fox business studios in new york, here again is gerri willis. gerri: chosen the best college as the best price can be a

challenge. but just out with their annual list of colleges and universities of the best value. not the most expensive, not the cheapest but the ones with the best value. joining me now, senior vice president at princeton review and author of this book. the 150 best schools. always great to have you here. this is really important information for parents were thinking have to get the kid into school but how are we ever going to afford it. the prices overall with college prices on the rise, public schools coming in at 18,400? >> that is right. tuition, room and board, the whole shebang. >gerri: private college colleget $41,000. ouchie!

>> for an average public university. think about the schools we talk about all the time. $60,000. gerri: you look at 2000 institutions and a bunch of stuff try to figure out which are the best. but people don't pay that sticker price, right? >> one-third of people will generally pay the sticker price. two-thirds will receive some sort of financial aid. we have been focusing on free money they don't have to pay back after college. gerri: now the big reveal. start with the best value public colleges coming in at number three, the university of virginia, charlotte. >> such a wonderful school academically. from an academic perspective, but making school affordable. and then a total sticker price. actually pay $4600 for interstate students.

a great school, it is the honors college the entire florida state system, but it is a public school, but also a private school experience for $5800 overall. one of the eight public ivs, a superlative school $17,900 but a real sticker price is the in-state. gerri: even now, that is amazing. the best value, private schools. if you have a chunk of change, number one. number three, pardon me. leading up to number one. >> it has the heart stopping we expensive sticker price. but the worst thing a person could do is a score that has a high sticker price because of the granting, the free money students would be getting. average freshman grants for a freshman bringing around

$20,000. the average freshman grant, $44,000, $9800 for the average. gerri: you can buy neighborhood for that. a good school. >> 2000 kids, superlative academically. $59,000, but the average aid kids are getting a 39,000, bringing it around in $19,000 mark. gerri: terrific information. great book. you want to take a look. and if we're talking about bang for your buck, how much you expect to make after graduation should play a role, right? of the most popular programs is an mba.

that list is tonight top five. number five, university of chicago school of business. graduates usually make around a quarter of a million dollars in base salary in private equity. number four, duke university in north carolina. if you going to energy or general management industry, you can expect $260,000. number three, colombia business school. another popular choice for those going into private equity. graduates ar earn a starting schedulsalaryof $300,000. an mba with how big a starting salary of $350,000. the number one highest-paid mba program is the kellogg school of management in northwestern. that is the starting base salary for those finishing the mba program there. that is a good nest egg. if you are paid that much, unbelievable.

lowest paid programs are ucla and michigan. we have been talking about the president's state of the union address. with just gotten some excerpts released by the white house. the president will say he would like to make this year a year of action in his words, he will go on to say what i offer tonight is a set of concrete practical proposals to speed of growth, strengthen middle-class and build new letters of opportunity into the middle class. some require congressional action and i'm eager to work with all of you. but america does not stand still, and neither will i. whenever and wherever i can take steps without legislation to expand opportunity for more american families, that is what i'm going to do. for reaction, peter barnes. the president is making it very clear once more he is going around congress with executive orders to make his agenda a reality. >> he is facing midterm facts.

republicans on the hill opposed many of his proposals, so now the white house says he will use the pen and the phone, that is the phrase the keep on hearing, the pen and the phone to take executive action are get people together to get commitments out of them to do things. gerri: he will outline his economy. you have any idea what that will be? >> increase minimum wage from $7.25 as the federal wage up to $10.10. we got a preview of that today with the executive order he signed. they are also trying to build the trade agenda, the president

is looking for authority to quickly negotiate new trade deals with europe and the asian nations, jerry. gerri: interesting stuff. thank you for talking with us about it. thank you. >> you bet. gerri: stick with fox business throws the knife our special coverage of the president's state of the union hosted by neil cavuto followed by a special live version of "stoss "stossel" and the independence. we have tips on remodeling your home and brokers who have lost their life due to bad behavior are finance loophole to stay in business. we will tell you about that. welcome back. how is everything?

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gerri: it may be time to remodel your home this year. spending expected to surge and our next guest has the best projects for every budget. the best projects for return on your money. founder joins us now with some great money-saving tips and advice. great to see you. the folks at harvard, they've come up with some uubelievable numbers. expanding on home improvement expecting to surge almost 10% year-over-year. folks are getting busy, why is that? >> the news is good on all fronts. if you're going to sell your house, inching up, still a lot of the growth being historically low, so folks are going to be buying it is a good time for that. a good time to invest in it and

move it along. a lot of sellers today have pent-up needs to do these improvements. set on them a long time, now they are starting to fix them up. even if you were underwater. gerri: i think a lot of people out there even though they owe more than the house is worth, i really have to put some money into this. maybe a physical issue that has to be fixed or they want to upgrade something that they use all the time. i'm a radio show "money pit" i d you talk to thousands of people every year. what are they looking at now as their improvement project they want to tackle? >> the number one topic has been plumbing. they want to fix the plumbing systems up. if you don't take care of your plumbing system it is a big costly repair. also, flooring and after that energy-saving improvements to heating and cooling systems.

gerri: let's talk about some of those best home improvement out there. different price points under $5000, what is your recommendation? >> talking about front entry. replacing your garage door and landscaping. those things help you compete putting your house on the market. five, 25,000. gerri: you can even change the color of your outdoor making it writer and more intense. sometimes those little things. >> how do we shop for homes today. we look at the tiny pictures on websites. gerri: few people understand the importance of those pictures. what are you say? >> eight deck is a great improvement.

87% roi on a deck investment. getting outside in heaven that space. spring and summer, it is not too late to point out. gerri: let's say you have $25,000, what are you going to get? >> and addition. that is the highest it has been. these steps come from remodeling cost versus value report. in all 35 categories they measured, roi is up. gerri: additions are hard to do well. i don't fit with the original architecture. >> that is a great point. you cannot build your taj mahal. you cannot over improve for your neighborhood. gerri: and a master bedroom overhaul, kitchen and bathroom. people have a hard time keeping the kitchen renovations under budget.

>> you have to remember they are always popular. most folks live in a development where homes are built about the same time, consider the fact if you're going to have a house that has the upgraded kitchen or bath, you're competing against others that don't have that, you will get the buyers. you have the roi and the interest. gerri: there are improvements that are bad. my favorite is if you eliminate a room or a closet, bad idea. >> home value is based on space. never want to give up a bedroom to double the space of your master bedroom because you will never get that. gerri: you don't like converting a bedroom to an office? >> if it is temporary and can be pushed back in office but not more permanent than that. gerri: over improving for the neighborhood. i think people lose track of this because you don't really know what your neighbors have in every inch of their house so you do things you like, things that

are attractive to you and sometimes you are the white elephant on the block. >> when you double the size of the house. if you upgrade your kitchen, upgrade your bathroom, add a deck, add to the comfort and usability of the home you will always be okay, just don't do something silly making it out of character for the neighborhood. as many buyers do not like pools as those who like them. i was a home inspector for 20 years. i cannot tell you how many times i was asked how to get rid of the pool. you have to really question if you want to put a pool in or not. gerri: i like a pool, but i know a lot of people don't. tom, so good to see you, appreciate your time. we will be right back. [ male announcer ] did you know

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gerri: is jordan belford watching over your portfolio, the wolf of wall street? some say brokers have lost their licenses are funny new ways to go ahead and continue to sell to their clients. he with details, joseph ward. thank you for coming on the show tonight. explain to us what you believe is going on right now. currently these are allegations that have not been proven, you say what about some of these brokers? >> some security brokers and agents, criminal activity or otherwise, have gotten creative. they keep selling investments through insurance licenses. there will be greater communication between insurance

sectors and the security sectors to make sure folks who lose their license in one area are losing a licenses in another area. gerri: if you are a stockbroker out there, have to be licensed to do it, but if you get in trouble you can get the license taken away. some of these fellows estimate as much as 1000 brokers who have been kicked out of the securities industry now popping up with insurance licenses that allow them to sell and move stock. when need need to happen here ir view? can you go after 1000 of these guys or do the loss have to change? >> you have to understand insurance licenses are done on a state by state by state level. security licenses are also done by state by state, but there is a federal oversight. what we have to do certainly i think, anybody with a prediction or the license revoked, the other agency has to look at that and determine whether or not

this person deserves to continue doing this is with the public. gerri: if you have your broker license yanked, maybe you shouldn't be doing business as an insurance broker. am i wrong? >> absolutely. when we have a security professional caught doing something wrong, lying, cheating and stealing should go to jail anyway. they certainly shouldn't have a license. we translate information the insurance who looks at it and in most cases, just about all cases with a felony involved will yank their license. the has to be a greater coordination. perhaps his statutory change for some of the loss. gerri: a lot of people out there would think what with these guys been doing that would make them have to forfeit their license to buy and sell stocks. >> the easiest thing is anything involving misrepresentation, fraud, generating permissions on

the lower end for unsuitable investments that might not be a criminal activity, but could get somebody out of the industry is not acting in the client's best interest. if your security licenses revoked, do you really want them selling insurance products? gerri: insurance isn't insurance anymore, it is an investment. very difficult to see them selling these products as well. this is in every stockbroker in this country doing this, it is the minority. it makes people more difficult to find. >> it does. what is it they are doing and do they qualify to get their license revoked? there are two separate licenses. insurance license have different requirements and different probability. you will find as the industry continues to call lusk where

there is a gray area between insurance and securities, i do think that comes down through the wire, and a financial services whatsoever if i can't trust you with one sector, if we're going to protect the public we have to do a better job. gerri: i want to show folks where the state says if you lose your broker license will not give you an insurance license. utah, alabama, interesting story. now we have alerted everybody to what they have to look out for. thanks for that. time now for loo a look at stors you're clicking on on foxbusiness.com. prices falling slightly in november and a nine straight months of price gains. case-shiller index slipping just a fraction with home prices up more than 13.5% over the past 12 months.

stocks reversing direction and a mostly higher for the first time in four days, investor this is a processing more company earnings as well as watching the federal reserve starting the january policy tuesday, wednesday. take out a stocks being of apples talk take a tumble today. one-time powerhouse heard by lackluster first-quarter performance in a cautious second quarter outlook. apple did say i sold more iphones and ipad than the prior quarter but they were expecting even bigger things. consumer confidence reach the highest point since august as people are more optimistic about economic conditions. 80.7 this month, up 77.5 since december. the second consecutive game. we will be right back with my two cents more. stay with us [ male announcer ] e new new york is open.

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>> we got lots and lots of e-mails on the lightbulb man. why are they now banned method is not a safe the issue or economic issue or manufacturing issue. some governments have decreed that this new bulb is a better type of energy. let the laws of economics dictate the out come. crystal from idaho agrees. she says i don't think anyone's last that much longer and i don't think they have that much power. i am on your page. and steve says consumers should make the decision as to what happens to incandescent lightbulbs. the white house is saying that the theme of president obama's state of the union address tonight is federal government boosting opportunities for americans in a recovering economy. have is a made any difference in how is the state of your union? here's what some of your posting on my facebook page. bill says sales and more taxes

is up 5% in six years. it's a sad state even here in the midwest. gerri: finally tonight president obama will make his state of the union speech tonight or in one of the things trending on twitter is the state of the union in just three words. i thought it was funny wanted to share these tweets with you. state of the union, in just three words. where are your winners? token promises, i am above congress. that comes from reince priebus. still bush's fault. and finally this one from sarah palin, constitution? or constitution? don't forget tweet your own state of the union words for it we want to hear from you. that is it for tonight as well as report. thank you for joining us and don't go anywhere. our special coverage of the

state of the union kicks off in our posted by hosted by neil cavuto and followed by a special edition of stossel and the independents. have a great night. ♪ ♪ lou: good evening, everyone. president obama will give his state of the union address two hours from now. president obama to face the nation that polls show is increasingly divided and weary and wary of his policies and distrustful of his promises. "the wall street journal" today reporting that in the modern era of polling, only president george w. bush began his six-year mark in office with lower polls. congressman gerlach iso will be joining us here in just moments with what he expects to hear from the president and with him will be his special state of the union