gerri: hello, everyone, i am gerri willis. right now on "the willis report." did he break the law with his comments? we of the story on tim armstrong. plus, the obamacare website has problems of its own. has the government messed up yet again? and some wall street analysts say taking a big profit just isn't good enough. what that means for your money. we are watching out for you tonight on "the willis report." ♪ ♪ ♪

gerri: after a public firestorm, tim armstrong apologizes for his distressed baby common and will reverse the cuts to 401k accounts. his comments are resonated. resonating in workplaces all over the country. his problems may just be beginning. with me now is bill from ken who specializes in these work faith issues. so he is saying we are going to dialback the 401k benefits. it is really the fault of two moms that had babies that were distressed. those that had problems that were very expensive.

>> what is really distressing is that you have this that people are really hitting the health plan and the pouring where you have to cut benefits and another type of plan, which is a pension plan or a retirement plan, which is more complicated in terms of those responsibilities. the most important thing is that employees are protected from being retaliated against. gerri: apparently you can't do anything to retaliate against an employee for using their benefits. is that right? >> that is right hipaa deals with confidentiality. people kind of put two and two together to realize who they are. now, if they did they will go to the department of health and human services and make a complaint. gerri: let me stop you there. a company with 5400 workers,

there are workers who know those women are by virtue of the facts. they may well have known that they had problem pregnancies. >> exactly. gerri: he may not have said the namebut he sure pointed to it. >> unfortunately they did have a claim you can't just go running into court. you have to go to the government agency and even before the affordable care act, you can't be interfered with your employment status. gerri: it makes me think that these two women have lifetime guarantee that aol. because the ceo added them. gerri: exactly.

>> someone may not be performing up to par and they also have health issues themselves and so they may mean that that is the reason they are getting rid of the person we's health insurance. so this is something like watching sausage made. and this includes health insurance in this includes the io figures in many concerns in this one area. gerri: that is the part i don't get. so when they pay out a million dollars, that is out of their pocket. the 401k, part of it would be my money as well. >> there is a part of this where the health insurance will match lower in the 401k. so if you want to talk about public-relations nightmares

about an employer doesn't seem to be looking out for its employees, this is it. gerri: here is what the nsa mother had to say. i take issues as to how you reduce my daughter to a distressed baby. how do we expose these experiences of our lives for no other purpose than absurd justification for corporate cost-cutting. we can see how angry she is. she later for gave him an amazing display of -- i don't know what -- i was shocked by that. could she have brought soup or done monetary damages in any way? >> at this point she hasn't suffered an adverse employment. so they didn't take any action against her and it's really the other way, there was a backlash and i think she took the high

road by apologizing to him and etc. and she got this guy off the hook. the one you told me that i would've loved to have had this case. >> yes, because it is rare that you're getting someone out here as well. >> thank you so much. it's always so good to see you. gerri: another obamacare delay. the white house announcing a short time ago that it is getting middle sized companies to comply with the law. obamacare is not the only website plagued with problems and it is helping our nation's heroes claim disability benefits that is riddled with glitches and delays. joining me now is a retired u.s. air force captain who is now a concerned member for those that have served america. what is going on with this

website? >> we have a couple of websites. we have this website that the claims process has acclaimed and we also have the key benefits site were not only veterans but military family members can access a variety of benefits. their health care, their loans, the g.i. bill, putting all the information on and we are very troubled that like the obamacare website we have security breaches and those security breaches because identity theft and all sorts of problems for up to 3 million veterans. gerri: basically a problems with both websites. one that is used by government employees and another that is used by veterans to apply for these benefits. neither of them are working. why is that? >> well, i've been at the va for seven years and i have to tell you that the va is not very

confident in doing these projects. having these projects for many years and it doesn't have good staff and frankly it rushes this stuff out. we are making sure that it's beta tested and even the system. gerri: one of the most shocking stories that we alluded to is veterans are lobbying, they are seeing other people's personal information. so how can the government even say that that is the evitable? what are they doing to fix this? that seems to be a real problem. >> it is extremely troubling.

no one is being demoted that we know a. and yes, it is not only health care information that other people can find out. but it is social security numbers and your financial data and your family information and they can be hacked into and that is not just the 3.2 million users by the family members. gerri: blasting the d.a. department, calling the backlog on the website a national embarrassment. we are spending all this money on i.t. we can't get it he benefits

website right and we can't even get the va benefits website right that is used by government employees correct. >> i have to say that allison hakki is not willing to do it, and she is not willing to do it, like past secretaries have done, they have to go. someone has to be held accountable and responsible and we need massive va reform. we have had in the past in the last four years since i've been there. and the veterans lives are literally at stake security measures. gerri: that is just an embarrassment. thank you for coming on the show. thank you for bringing us this story. we appreciate your time. gerri: we have more to come this hour including a new report that says once he is optimistic about our economy. wait until you hear which one. plus bordelaise coming to

obamacare. we will tell you all about it. ♪ ♪ welcome back. how is everything?

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gerri: there is yet another obamacare delay, believe it or not. the white house announcing today that medium-size companies are being given an extra year before they have to offer health insurance to their workers. here we have the american enterprise institute. what do you think of this? i don't know how the ways that we can have. helping regular americans. it all seems to be aimed at folks who are well represented in washington with lobbyists. what you say? >> you know, that is right. the people are really being held our democratic politicians. in this includes having a lot of drops by these medium-size

firms. telling the employees to go to the exchange. gerri: a lot of people getting letters to their insurance from a thing that we are driving you and you have no coverage and at all because of obamacare. if that happens again, it will be tough for democrats. representative keith ellison talking about people not working. this is what he said over the weekend. >> we are getting discouraged and we are going to have parents able to come home and people are going to be able to retire and actually cooked dinner rather than have to go out and order takeout. gerri: what? do they think that it's better for people to not work so they that they can get on obamacare and get the free government

subsidy? >> we have been complaining about this and very slow recovery and now they say that that is a good thing. gerri: democrats are trying to cover this right now by saying what do you really mean? you think about is what he really meant? is out with the democratic message is?

>> democrats have not been in favor of entrepreneurs starting businesses are at and now they say that it is okay if you get your hours cut as well. it is really -- and as a justification for a policy that makes no sense at all. gerri: now we want to know what you think. here's our question. the congress has been americans whose work too much. do you agree? von gerri willis and vote on the right-hand side of the screen. it's time for a look at stories that you're clicking on add fox business.com.

apple has done enough so far with purchasing $14 billion of stock over the last two weeks. sane advice from the institutional shareholder services made them change their mind. the quiet trading day comes ahead of testimony to congress tomorrow by janet yellin. overseas sales for the world's biggest hammer chain of mcdonald's are up more than 1%. and topping the chronicle with a donation of 18 million shares of facebook stock valued at nearly a billion dollars. the top 50 donors made donations totaling $7.5 billion. those are some of the hot stories right now on fox business.com. coming up tomorrow, mark your

calendar and you will be able to hear from carl ichan himself when he joins neil cavuto right here on the fox business network. later in the show with our users guide to love and money, newlyweds and their money. economic optimism is actually up in washington. we will have more on this report coming up next. ♪ ♪ ♪ that's correct. cause i'really nervous about getting trapped. why's that? uh, mark? go get help! i have my reasons. look, you don't have to feel trapped with our raise your rate cd. if our rate on this cd goes up, yours can too. oh that sounds nice. don't feel trapped with e ally raise your rate cd.

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gerri: coming on, taking a look at american outlook i region or economy. we will tell you coming up next.

gerri: which states in the union have higher zoomer confidence? residents of the district of colombia are the most competent folks in the country. how can that be? here to weigh in is an economist at the university of maryland. tell me why i should be surprised by this? the people in washington where all the taxpayer dollars reside are happy as clams. >> tax dollars are up so they are living well. the economy really isn't as bad as the numbers look. now you have heard the succession of those saying that the numbers don't matter and you can go home because you don't need it a job anymore. the real problem is they are trying to believe their own advertising. gerri: i think that the

washington dc folks are happy. and here is the list of the ranking. even though they are not as high as they were minnesota and california, texas and nebraska and trent nebraska. look at that. that tells me something about a change that is going on this country. >> the first three states are notoriously liberal predicting that national health care, no matter how many people that it disenfranchises, it will double the premiums and it has to be good because it is an article of faith and happening so they are happy. taxes is having an oil boom again. so that makes a lot of sense. i cannot explain this to you. they ought to be very skeptical about a free lunch. gerri: states with the lowest economic confidence include kentucky, wyoming, alaska, west virginia, and they're not happy

they're and you can guess why. >> he has decided that they really only need 49 states representing ms. and taking care of this in west virginia is the one that loses out. by nature we have the same kind of this in town. looking at the jobs numbers, we have fewer private sector jobs now than we did at the beginning of the crisis. five years into this recovery we are down about a million jobs. so how can this be good? the answer is he's going to create a situation where you no longer have to go to work. it is a great country and people are going to be happy not to be able to go to work. gerri: he is referencing a story that we just dead on obamacare. congress is saying that this is a good thing.

you said that people will start new businesses. you think that is going to happen? >> when we are looking at the folks that are tempted to quit because of obamacare. there the last individuals you expect to quit. and people between 61 and 65 years old to get their hours down to hurry up their retirement because they are not yet old enough. those that have an entrepreneurial instinct, they are going to start businesses and they are not the ones they're talking about. gerri: you are saying toughens the people don't want to hear. we appreciate your time. >> take care. gerri: are you tired of credit cards? do you want to live without plastic but you don't know how? we want you to take our cash

challenge. if you want to dump your credit cards and find a way to live on cash only, we want to hear from you. let me know your stories and your friends and families and anyone you know. we want to talk to them. you can go credit card free, i think you can. why earnings not the only thing when it comes to wall street companies. love and money just in time for valentine's day. we will cover everything from financial advice to divorce. and everything in between. ♪ ♪

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♪ love and money, sometimes they don't mix all that well

together. which is why we're launching the week-long special "users' guide to love and money." kicking off the week money advise for newlyweds. should you merge your money with your lives? the founder and ceo of learn vest. a personal finance website and the best-selling author of "financially fearless." welcome to the show! i have to tell you, i don't think it is a last thing you talk about with your -- i think it's the first thing you talk about. you have to share every financial detail. >> i couldn't agree with you more. number one, like, cause of divorce is money, getting to talk about it early is critical. i would say the first and most important thing you need a football plan. you need to talk to an expert. you need to sit down. gerri: don't you need exposure? you're a friend of mine, gets married to a woman and after they're married finds out she has $100,000 in debt.

>> it happens all the time. so what we recommend having a financial plan. it's like a foundation of any marriage. where are you going, what are you saving for, what are you trying to work through? there will be problems but you -- gerri: first of first, expose everything. how much debt. paying off the student loans. how much money are you making? basic stuff. >> basic stuff. and well before if getting engaged if not before married. gerri: i like that. what other details do you think people need to talk about? >> i think one of the most important things is sit down and have a money talk. what are we saving for? what are we worried about? what are we trying to accomplish in 2004, '15, '16. you plan for everything else, sit down, when are we having babies and trying work toward and make sure the math works so we can save toward it. and honestly get on the same page you fight significantly less. most fights are about money, as we know. gerri: the problem it's usually the spendthrift and the tight

wad that gets married. you have somebody who loves to spend money and somebody who hate it is. it seems to be the conflict. >> how do you combine your options. there's option one, keep them separate. option two, put them totally together. or great third option that often deal where let's put a portion what we make together and a portion separate. if you're a spend theft i'm not trying to -- gerri: some kind of middle ground. >> that's right. using our free tool to track. >> do you think everybody has to merge their finances? do you have to have a same bank account? do you have to use the same checking account? >> it depends on who you are and your problems. if someone spends all the time. yeah, put if in one place so you can see what if going on and isn't surprised at the end of the month.

most couples shone in some capacity depending what is going on in the finances. gerri: how is the conversation different if you've been married before? >> it is so different. if you've been married before and there's children involved. you need to sit down and think about a prenup. people think a prenup, only if you have a to be of money. it's about even if you don't have a ton of money protecting assets if you have children from different marriages, et. cetera. it's a tough conversation. none of this is easy. it's about being able to protect that love. gerri: thank you for coming on. great job! i think it's a tough topic. >> happy valentine's day. >> right. when you're just dating you're thinking i'm not going bring that up. but you have to. >> you have to. it's so important just like anything else. >> easy peazy. our users guide to love and money continues. advice when to get a prenup. plus, the former host of love connection. chuck is going to be with us. he's joining us with advise what

he's learned over the years. when we come back, a look at the hottest trends when it comes to renovating your kitchen and bathroom. we're looking at you and your money wall street analysts why are they so tough on companies these days? stay with us! ♪ ♪ laughter ]

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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 foren years... we're new york. if there's mething that creates more jobs, and ows more businesses... we're open to it. start a tax-free business at startup-ny.com. how much money do you think you'll need when you retire?

then we gave each person a ribbon o show how many years that amount might last. i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink this thing. it's hard to imagin how much we'll need for a retirement that could st 3years or mor so maybe we need to apoach things dferently, if weant to be ready for a lger retirement. ♪ gerri: fourth quarter earns are heating up. s&p on track to or not a 89% rise from earlier. more earnings than the best in two years. many of the biggest beating expectations are tanking. tanking. what is going on. bring in our panel, larry, the chief investment officer. rob, and shane. the cofounder of bay ridge financial. larry, i'll start with you. let me give you an example of this. i found surprising.

twitter down 24%. they were reported a profit. expected to report a loss but stock price gets amountered because of slowing user growth. do you think investors are concentrating on the right thing? >> i'm not sure about that. but i think it points out the narrative that being long doesn't mean being bullish. and twitter is a prime example of that. we seem join together position and sentiment. it's the end of 2013, early 2014 people start -- to a market they really hated. so position and sentiment was not joined together shouldn't be joined together properly. they're not looking at the right things but realizing sentiments very, very low right now. people hate this market. and it turned in positions. people bail out of the stock. >> does larry have it right? are we more demanding because we're expecting greater things? , i mean, what is the thinking behind this? >> well, i think, you know, larry is on to something.

i guess building on what he said, i think that, you know, the fact that revenues were down for a number of these companies even though earnings have been up. that's not surprising to me we've had two job reports fairly soft recently. i think we have gone through something of a spot patch and revenue growth for the quarter habit been robust. analysts aren't changing the way they do business. if a company reports positive earnings but the revenues go down. they punish the stock. that's what they've been doing. gerri: it used to be about -- nobody cared what happened as long as eps was strong. twitter reports -- reports earnings and wasn't expected to have earnings and they still hammered this thing. i think it's fascinating. you look at yahoo! investors focussen on poor sales. ibm same thing. >> at lot of companies are cutting cost. after say that cut costs, the revenue isn't there. if the revenue slide back a

little bit that's what leads you to believe the strong will survive but the weak -- the weak are going to get punished. gerri: well, the weak and everything else. [laughter] larry, when you look at this, what do you expect for the balance of the earnings season when you see what it going on with these companies, and look at the trading going on around that. are we going see more down days? >> you know, i think we're going to see more volatility or as much as we've had because the whole position and sentiment narrative i've been talking about. i think it's beyond earnings. i think sentiment is solo. we have a lot of weak hands chasing a market they really hate. at any sign of trouble or if we don't have beats and earnings that are exponentially what people are expect they sell the stock. people are scared right now. >> rob, to you, we don't like the market. do you agree with that? you're typically a bull. >> yeah, i'm still bullish on

the overall market, but at the same time, you know, larry has a point here. beginning of the year on light trading days. people were taking profit. at the end of january you got negative reports out of china. i think things are starting to stablize a little bit. where i might differ with larry, we have 300 down day on the dow a couple of weeks back which is a one-year high on the vic. and starting to recede a little bit. so i'm not entirely sure we're going to see increased volatility for the year. but certainly a -- gerri: no kidding. >> i want to change up the topic a little bit here. interesting story about the harvard ebb dowment more than $30 billion something managed aneroid and interesting only 11% of that endowment in domestic stocks. to you, shane, does that make sense? >> a lot of sense. i think the harvard endowment doesn't want to be punished for market swings for the media or

anybody else reporting day-to-day transition. they look at liquid assets. sometimes in a five to seven year period hay may not perform as well as the s&p 5800. they take a little bit less rick. gerri: is harvard worried about the pr phase or trying to make more money by getting in to alternative assets? >> yeah,ic it's the latter. i think with more money comes more choices. and yeah, they have 11% in stocks. but that's not unusual. other ivy are in the similar situation, not exactly. what the alternative investment. they have nor flexibility, they have a mandate to go beyond the equity market. it makes perfect sense for harvard to do this. >> if your an individual investors playing in alternative assets there are ways to do it. but it's kind of new territory for a new people. you can invest in real estate. even as a venture capitalist with the websites. but it's sort of a new thing.

do you think that individual investors can play in this? >> well, as you say, it is sort of a new thing. thhre's what has been called an accredited investors and most individual investors are not accredited investors. there are funds that come out that allow it. and i think more and more individual investors should consider it if stocks, bonds, and cash are the traditional area, you know, i think certainly real estate still has -- >> exactly. >> shane, what do you say? >> i think there is a few out there that could get you involved if you're a small investors. there's a few mutual funds that are pretty attractive where you can get the exposure goldman sachs the small investors can get some exposure to the area. i think it's wise to do so. 15 to 20%. gerri: dip your toe in the water. see what you think. thank you for coming on tonight. appreciate your time. >> thank you.

>> most welcome. now, one of the reasons analysts are being tough on the companies could be the people in the corner office the ceo from aol isn't the only leader in hot water in 2013. the fact some were so bad they're not there anymore. that is the top five. number five, the outgoing ceo of microsoft steve obamaer. it's good a thing he's leaving he's not kept pace with the times. introducing the zune. failing invest in emerging market. number four ceo of blackberry. outed in november after pushing flop and reporting a billion dollar loss. number three eddie of sears. he saved k mart but hasn't been able to do the same sears. number two ron johnson of jp penny. pushed out in april after he made it worse. "the master" plan of eliminating

discount of a huge failure. number one worst ceo of 2013. eb x group. single handedly destroyed billions of dollars of shareholder value with the stock price dropping 95% in one year. over the time his personal wealth went from $30 billion to less than $40 million. tim armstrong already made the list at number seven after a tirade during a conference call and fired somebody filming the event. i would bet money he's on the list in 2014. still to come, my two cents more. as we head to spring. it's time for home renovations. we'll have advice on giving the two most important rooms in your house a makeover.

itching to spice up your home? we have expert advise on the design trends for 2014. stay with us.

are you looking to boost the value of your home this year? remodeling your bathroom or the kitchen is a great way to start. how do you do that? let's bring in danny, host of today's homeowners. welcome back to the show. good to have you with us. so, you know, it matters what you choose when you're renovating a part of your house. you want it to feel like it's a right-now kind of choice. what is hot in kitchen trends right now? >> i'll tell you after the kitchen and bath industry show. i saw lot of things happening there. one thing i saw, the color grey. everybody is introducing gray

kind of a pewter style or a little bit of a pastel shade to the kitchen. it seems to be a hot trend. also, taking commercial type appliances and scaling them down just a little bit. the manufacturers are offering those marquee brands, but making them smaller and more usable in residential situations. and of course, energy efficient appliances. gerri: that's popular. isn't it? >> we're looking to save a little bit of energy. gerri: you say something about apron sink. what ask that mean? >> well, it used to be called different things along farm sink. it's a very large sink that sticks out from the counter top a little bit. it makes a statement. but it's functional and very deep and just really can have a lot of fun designing one of those in to any of the kitchens these days. gerri: how important is the lightening? >> well, it's very important. that's another trend that i saw. bright light. not only functional and having

task lighting to where you to can that light nice led lightening delictily where you need it. but having the versute tillty to turn them way up or down. >> you say a minor kitchen remodadd a lot to your home's value. how much? >> well, generally, you know, t in the top of the list. minor kitchen and bathroom renovations. you probably be look at the roi of around 75 to 80% of the money that you spend. and on bathrooms it's more 65 to 75%. but you also have to keep in mind a lot of times people have neighborhoods where a lot of houses are the same. but if you have the nicer looking kitchen you may end up getting back a lot more than 75 or 85%. gerri: it's interesting you're not saying you have back more than 100%. that's what they used to say. now we're being a little bit more realistic. you're right. it can make difference in a choice. let's talk about bathroom trends right now. well, what do you see

technology. how do you have technology? a bathroom? >> i'll tell you. how about a toilet when you get close to it, it turns on a nice light for a night light. also, all kind of -- [laughter] all kinds of remote controls that are out there. sometimes a little more than you need in a bathroom, but i'll tell you, music must be important to a lot of people. because almost everything shower heads they have music in them now. tubs, sinks, everything has music integrated in it. so you can use your ipad or nano to power those systems. you never have to worry about going without listen to your favorite song. gerri: you like universal design. what does that mean? >> people aging in place and people getting older when they're remodeling their bathroom they're finding they can make it safe, functional without having it looking institutional. particularly on things grab bars. a they are fantastic looking. functional but do well to keep you from slipping and falling.

and also making shower stalls to where you're able to wheel in and out in the time that maybe your mobility is a little bit limited. you see a lot of that to where -- gerri: and that's really going to attract people. that's for darn sure. i like easy to clean. that's my favorite. thank you for coming on tonight. good to see you. >> my pleasure. good to talk to you. >> we'll be right back. congressman said americans work too much. do you agree? >>

on abc this week democratic congressman keith ellis of minnesota said the loss of jobs due to obamacare is a good thing. why? because americans, he said, work too much anyway. do you agree? here is what some of you are posting on facebook. tom said, what would he know about working too hard? he's a freaken member of congress. the least effective on the planet. couldn't be more true.

we need people working and contributing to our country. the few can't not continue to sport the many. we asked the question on gerriwillis.com 10% said yes. 90% said. be sure to log on every day for the question. we get to read some of your e-mails. robin from oregon has this to say about the cruise industry. i don't gamble with my none or health. no cruises for me. paul from arizona said this about our nation's debt. the country is broke. it doesn't matter what the president proposes. we can't pay for it. borrowing is all he knows how to do effectively. an economist he is not. and john from florida grows. if you started your retirement today you would be better off burning your money. and finally, all week long we're talking about love and money. marriage, the prenup, even divorce. we'll be talking about the money side of all of those topics. as you know, getting people to

get along is no easy thing. getting them to get along over money is even harder. one study shows tight wads and spendthrifts are attracted to each other and tend get married. that's right. no wonder the divorce rate is so high. a member of my twitter verse had this to said. when you marry somebody time with her is more valuable than money. you can get more money but you cannot get more time. how sweet is that? thank you, bob. that's a great lesson for the week of valentine's someday. that's my two cents' more. our users guide to love and money on advice when to get a prenup. the former host of "love connection." chuck joins us. that's it for tonight's willis report. have a great night. and we'll see you back here tomorrow. ♪

there's a reason you call it farm bill. you're no a american if you oppose. after all, if you don't like it. you must not like farmers. this is what happens to me every time -- sacred watching. i'm the one who gets butchered. hello i'm kneel neil cavuto. the farm bill that do much to help farmers. i had the awe disty to go through it line-by-line. to hear some critics you would think i was doing lines. how dare i point out cat fish are getting $17 0 million