gerri: hello, everybody, i'm gerri willis. right now on "the willis report", big changes are many coulding to the student loan market. banks are lending again but the move is causing trouble elsewhere. also, cheating on your taxes. when is it okay to fudge the numbers just a little bit? and "consumer reports" is here with its annual list of best cars. and only one brand gets top marks. we're watching out for you on "the willis report."

gerri: we begin tonight with breaking news. congressional investigation led by senators john mccain and carl levin is about to blow the lid off of a report how some of the wealthiest americans hid billions of dollars from the irs, all in thousands of secret swiss bank accounts. but the report doesn't just go after the swiss banks. it goes after the federal government itself for its role in the scandal. fox business senior washington correspondent peter barnes is here with more. peter? >> hey, gerri. that's right. senate investigators are alleging swiss banking giant credit suisse went to extreme lengths to help wealthy americans evade u.s. taxes and wants the justice department to more aggressively go after swiss banks and american tax dodgers. senate permanent subcommittee on investigations, said at its peak credit suisse serviced more than 22,000 u.s. customers and data from the bank suggest that is the vast majority of these accounts were undeclared to the internal revenue service. the accounts held 10 to

$12 billion. the findings were releesed in 175-page bipartisan subcommittee report after after a two-year investigation into the ppactices of credit suisse and other swiss banks. credit suisse since closed about 19,000 of these accounts as part of a formal review while retaining 3500 of them the subcommittee report says but despite assurances of more cooperation by banks and the swiss government since 2011, the subcommittee said that credit suisses has turned over files on just 230 u.s. customers under a u.s.-swiss tax treaty. and for one of its customers, to protect just one of them investigators said, credit suisse banker met with the client for breakfast and handed the client a copy of "sports illustrated" with the customer's bank statements hidden inside. the subcommittee will hold a hearing on all of this on wednesday. officials from credit suisse and the u.s. justice department are

asked toweled testify. the senators accuse the u.s. justice department of lax enforcement in this area but tonight, neither the credit company, the bank, credit suisse or the justice department responded to our requests for comments, gerri. gerri: lax enforcement, huh? tell me this, how much money, how much tax money do you think is at stake, peter? >> the subcommittee says, probably billions. and to i willlous straight this, they point to an irs initiative started a few years back to allow u.s. tax cheats to voluntarily fest up, pay back taxes, penalty and interest and so far 43,000 u.s. taxpayers have paid $6 billion into this fund, gerri. gerri: peter, thank you for that. >> you bet. gerri: and now to a big story concerning your health. it is one of the most popular drugs in america and there is mounting evidence tonight that it could be very dangerous. according to a new study, the

common painkiller, acetaminophen, you've seen it, right? it may double the risk of prenatal disorders, specifically adhd. that is a very big deal because more than half of all mothers said they used acetaminophen while pregnant. by far the most common drug taken by pregnant women. for more on the study and risks joining me now is dr. eric braver man who will tell us all about this. thanks for coming on the show tonight. how is acetaminophen, something somebody takes all the time how does it hurt women who are pregnant? >> i don't think people believe that tylenol causes adhd in children. but a good reminder when a pregnant woman is feeling pain or the brain neurotransmit remembers becoming depleted. we forgot the kind of message pain means. pain means overdoing. running out of serotonin that helps us sleep. running out of pope mean that gives us energy.

gerri: cow. -- dopamine. >> pain we take the easy pill and take tylenol and aspirin. they're not without risk. aspirin can make people bleed. gerri: it is all about chemicals at end of the day, right. >> it is. gerri: if you take tylenol, take a little bit about the common drugs that have acetaminophen in them. alka-seltzer, sudafed, tylenol. can hardly get away with them. >> basic rule of pregnancy, no drugs if you can avoid it. if you feel pain, you will not get adhd kids and problem kids from using a little tylenol. you need stretching, pain relief techniques. when i was at harvard medical school we did prenatal vitamin, first everyone laughed but now it prevents birth defects. you have the brain prenatal vitamin with fish oil and nutrients. everyone will take it and have less pain. gerri: i have so much to ask you about this and i want to find time to get to it. there are concerns about after

pregnancy taking these obviously for women. what are the risks? >> the risks re small as a rule. there are some women who have bleeding tendency. they have liver disease. so you bump into an occasional person will present with a hemorrhage. even kidney failure using aspirin-like drugs like advil, et cetera. as a rule they're very safe. they're right to be over-the-counter. the lesson, when you feel pain, your brain is being warn out. everyone in america -- gerri: time to take a break. >> to many people, four million, oxycontin narcotic addicts. they go from tylenol, advil okayssy could not tin. don't have a good history. the way to do things is really recognize brain pain occurs, means more sleep and neurotransmitters. gerri: we got that you said that -@a couple of types. >> okay. gerri: i want to talk about whether you believe what the study is saying? that at the end of the day the drugs overused can cause adhd in kids. to show some folks, there are

6.4 million kid out there with adhd. what does that mean? they can't pay attention to anything. easily distracted. sound like me. squirm and fidget not able to play quietly on and on. do you believe there is real connection there? >> i think it is important risk factor. it is minor factor when you take into led, cadmium and television. don't have enough nutrition in general. too many foods with dices and colors. we have many reasons to have forms of attention problems. hyperactivity, fidgety, inattention, miss the cues, boys have low emotional i.q. impulsive attention. there is lot of different forms. gerri: very quickly, we had a story that acetaminophen causes liver damage if you use it too much. that to me is very scary. >> that is seen every day in the emergency room in the united states. they overdose on tylenol and liver is damaged. majority of people take low dose tylenol. never have a liver problem. people that have even cancer

metastases take tylenol and do fine. when you overdose with tylenol and take eight or 10 advill and aspirins a day, have a bleed in your brain. a good warning. every time a person takes a pain reliever, a pregnant woman, should realize she is stressed. >> get some rest. i'm on your page now. i know what you're going to say. >> green tea. coffee. other alternatives. brain energy nutrients. we'll end up with a brain prenatal. everyone will be happier, healthier and smarter. gerri: dr. eric, thanks for coming on. >> beautiful, thank you. gerri: warning consumers in the midwest and east coast of rising heating costs. now we have a number. con ed disson in new york has a estimate of home heating customer would see a gas bill of this month of 3$8, nearly 400 bucks. that is up 17% from last february. older hopes? well you will see a even bigger bill. freezing cold causing natural bass prices an consumption to

jump. good news for homeowners. most analyst es and gas production companies expect high costs will be short term. we can only hope so, right? another big story tonight. big changes coming to student loans. banks are lending again as job prospects for graduates improve but there's a flip side. students with poor credit don't always qualify and end up getting their loans guaranteed by you. with us, cal cheney, campus consultants president, author of paying for college without going broke. professor peter morici from the university of maryland. cal, i will start with you. is this a good thing we have banks in the mix? >> there are options that are available but still federal loans for some students, undergraduates, perkins loans, subsidized stafford loans come as part of aid package, free application for student federal aid are interest-free while the student is in school. you want to first start with those. gerri: right. i understand. do you think it is better news, good news there are more lenders in the marketplace generally?

>> that can be gooddto see. but with those private loans it will depend on credit score. cosigner for those loans. and not everybody gets low teaser rates. you need to shop around. there are some states that have loans. connecticut has the loans that are more attractive than the federal option. you need to look before you leap. gerri: that is always good advice. look before you leap. peter, to you, you see the private, the banks getting into this. is that a good news when you know that we have trillions of dollars of student loan debt out there? one of the big worries for economists like you. what will happen to all the student loan debt? >> over a trillion dollars in student loan debt, that is one reason young people are not buying hopes and starting their families and firing up the economy. what we're starting to see is the consolidation of loans after people graduate. we're not talking about here are we're talking about commercial bank loans. sometimes, i met a woman other

zurate who has over $100,000 from four different lenders. now it is possible to consolidate those, get the interest rate down and good job and good credit score. that is a good thing for the student or former student and the economy. gerri: okay. so could be good news for some people. cal, to you, the banks could offer lower rates if you have a great credit score, right? this would allow people to bring down the overall debt. i can't see a negative in that. >> no but you need to be careful with the credit inquiries, if you do too many looking around for loans, unlike buying other product with loans, every credit inquiry on student loin could result in the rates going up what you're offered. you need to be careful shopping around. look a little bit at options before you sign on dotted line. gerri: peter, to you, is there any kind of a macrothreat from all of the student loan debt? people talk about it being the next bubble to burst. do you agree? >> i wouldn't call it the next bubble to burst. i don't know that it will burst

but gradually bleed and cede like a boil. i wrote about that today on fox business. one of the reasons the howing market hasn't really recovered to the preboom levels, one reason, young people, those with good jobs, it is very common to meet somebody with an mba from an ivy league school or a law degree from ivy league school like my son has $200,000 in debt. that is be a suretied number. gerri: crazy. >> if they get the interest rate down from 8%, that is $6,000 a year in their pocket use to start the process of getting a home. gerri: but here is something i think is really interesting about what could happen and what "the wall street journal" is warning about. could get a two-tiered system. where people with bad credit scores, they don't have gooo credit. they're getting federal bought loans which taxpayers are backing and everybody else is in the private market. essentially develop two classes if you will of college borrowers. cal, do you see that happening?

>> not zoo much. if you get a subsidized stafford loan or perkins loan that will be interest-free and you will take those loans but the key of course is even knowing how to apply for aid so you minimize the loans, maximize the gift aid you get, grants, scholarships. be savvy about that so you get, don't have to borrow as much. gerri: peter what do you say? can you stratify the thing? at end of the day can you see people don't have money in the public, taxpayer money at risk and in private sector and it is people who have a lot of dough and good credit scores? >> what is happening i think, that the people that took the right stuff in school, took something practical, got a good job, have a good education and earning money are the ones whose loans are being consolidated. the ones at risk to default and so on, those loans are not going to be reorganized so easily and go through the process that just described. so we will have two tiers. i'm hoping eventually parents will become more sensitive to the notion that how much of the children borrow should reelly be

contingent on the usefulness of the diploma they're getting. just because it's a top school doesn't mean it is useful. gerri: that is absolutely right. people need to think twice before they sign up because you can be wasting a lot of money. thank you both for coming on today. great job. a heck of a topic. i know a lot of people paying attention to the student loan rates and what we see there. thank you so much. >> take care. gerri: still more to come this hour including ebt cards, welfare cards, being used to buy pot. next, fudging the numbers on your tax returns. we're looking at what drives people to cheat on their taxes. we asked people a question, how much money do you think you'll need when you retire?

then we gave each person a ribbon to show how many years that amount might last. i was trying to, like, pull it a ttle 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 thacould last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪ if we want to be ready for a longer retirement. predibut, manufacturings a prettin the united stateso. meanadvanced technology. we learned that technology allows us to be craft oriented. no one's losing their job. there's no br robot that has suddenly chased them out.

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cheat. they want to say fudge. >> right. gerri: at the margins there is a little lying going on. talking to people all the time, you find the attitude is commonplace. my guess is the number is higher than that. what do you believe? >> i think in some ways they are fudging a little bit. these folks are paying a lot of taxes and feel they're paying more than their fair share. subsidies given to certain folks, justify this is kind of behavior. of course we know what has been going onnwith the irs under the obama administration. gerri: well, let me tell you. so many stories to choose from. crazy expensive meetings. >> yes. gerri: targeting people. releasing their information publicly, all kinds of stories we've been reporting extensively on here. but i think everybody knows the penalty of getting caught. >> well, they absolutely do but they're willing to take the chance. gerri: why? >> i think a lot of it is rage. a lot of it is you know what, come on and get me? i know what you have done to other people, as far as the irs

misbased. so come and get me. i want less government. i think a lot of it is intellectualization. because at the end of the day you don't pay taxes you can't support our military. you can't support -- gerri: absolutely true. >> loan programs and schools and so on. so we all have to pay our fair share. gerri: here is what fudging means to most americans. underreporting income. claiming bogus deductions. inflating credits. so, it is not failure to report. people are not just, most people are not not reporting. >> right. gerri: they're telling little untruths here and there how much they made or do they really deserve deduction. as you know things like the home office deduction. >> exactly. gerri: a perfect example of how people would get away with murder in terms of, you know, getting a break. >> that's right. gerri: reduces taxes. i heard people, tell me this before, tell me if you have, people who are participating in society, working hard, engaged,

have kids, they feel like really you're going to take this too? i think they feel overburdened, overwhelmed. >> that's right. and this is a market-driven economy and they have gotten the message that you can play around the edges a little bit. nobody wants to be a bernie madoff of course but part of a democracy is taking advantage of the laws but doing it in a legal way. some people don't have the means to do that. they figure other people can do it because they have the wealth. well, we'll try to do it in our own way. we're not going to cheat too much now. we're not going to lie too much but we'll take a little something if you don't mind. gerri: sometimes it's a case are you pushing the envelope or stepped over the line? >> all the energy we spend to fudge a little bit if we will, if we spent some of that energy in looking up the tax laws, looking up best people to work

with, we can find deductions actually legal, may be outrageous to some but are legal. that is where the effort needs to be. stay within the law. do your fair share. support our great country. gerri: to your support about the irs and how we think about them, record low score, 39%, irs balances service and enforcement. most folks say they're not getting the mix right. jeff gardere, thanks for coming on. >> thank you. gerri: we want to know what you think. here is our question tonight. is it okay, is it okay to cheat on your taxes just a little bit? log on to gerriwillis.com, vote on the right-hand side of the screen. i will show the results at the end of tonight's show. you know this story. more than a few celebrities thought it was okay to cheat uncle sam. while some got away with it, some were not so lucky. in tonight's top five, famous celebrity tax cheats. number five, lauren hill. the grammy-winning singer pled guilty to failing taxes in 2008 and 2009 of 2.3 million. she recently was released from

prison and is back to performing. number four, nicolas cage. the irs hit the actor with a lien in 2009 of over 6 million which cage paid back. however he is still paying off another $6 million to uncle sam but blames his former business manager for the problems. number threshings willie nelson. remember this one? his tax bill, 16.7 million which his lawyer got down to 6 million but nelson still couldn't pay. so the feds seized everything back in 1990. everything except his guitar, trigger. number two, singer sammy davis, jr., he owed 7.5 million at back taxes at time of his death in 1990. number one on our list, wesley snipes. this is a big story. the actor served three years in federal prison for failing to file tax returns, resulting in unpaid tax bill of around $17 million. even now snipes charges he was targeted by the irs for his celebrity status. coming up later in the show, freezing your credit. why would you do that?

how would you do that? "consumer reports" is here with its annual car brand report card, which models made the grade and which ones failed? we'll tell you coming up next. for over a decade

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gerri: hit do you think makes the best cars? consumer reports has the answer with their report card for 2014. which topped the list?

the deputy cars editor is with us. here. one of the things you were considering best brands? >> reliability survey they tell us about their experience and then we combine those two with a composite score. when with one great car and one single car on the bottom gerri: the top 3 radians i will show you the full screen. how do these the about? >> they make great well-rounded vehicles. fuel the economy is great but, in a doubles hitter right there. audi and acura neck-and-neck audi has the long-lasting models now the focus on fuel

economy and the same with acura. gerri: japanese brands scored high. >> look at subaru, honda, a torrey yoda, the mazda. mas is exciting but the rest are just solid if reliable. with fuel economy and roominess not the biggest wide-ranging but they do what they do very well. gerri: the monster is the fun to drive. talk about domestic names people want to buy american. >> chrysler and buick and gmc. chrysler has ben hurt by the town in grand jury -- town and country minivan. the encore is interesting

and gmc will be brand some chevy trucks. not bad. gerri: my favorite full screen is the a reliable names because people eaton no that is the most valuable. jeep? >> it has the wrangler and other vehicles that have fallen off the compass. for test scores. poor reliability. it is a fact you cannot recommend to go out may be the regular off-road at best. ford is hurt because they have lots of new models with their all infotainment system now they said they will leave microsoft now go with blackberry. because it has been a problem but they also have a

growing pains as well. the during go we had to test again with a new transmission so we don't have a lot of data but it tested well but not the reliability. also chrysler minivan also of the dodge dart is just bad. nothing special that brings down the score. gerri: cadillac? >> they dropped with getting rid of their long-running models. the they have done well with reliability. so their version of the ford touch. gerri: chevrolet? to make they are so big with small cars that don't test well and others with for reliability you drag them down. the new suburban, the

silverado, and the chevrolet impala is impressive. that could do a lot to push them off when data comes back. gerri: fascinating. we appreciate your time. the anniversary of michelle obama let's move initiative but are the results worth celebrating? thousands of taxpayer dollars go up in pot smoking in colorado.

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gerri: taxpayers footing the bill for marijuana. the welfare money intended to help the needy families is being used to purchase stock.

i find this so disturbing. that we will use government benefits to buy pot? >> a lot of writers went to get the welfare money bristol's from the first month that marijuana was legal. totaling about $5,500 it is not the most not every cent was used on marijuana but ii was selling pot. gerri: isn't as possible? given colorado debated because it is a legal to do the withdrawals that gambling establishments and the liquor stores they proposed adding papaws stores to the best in the critics said it will never

happen. you will make this up but here we are. gerri: 79.8 billion for snap benefits colorado has 800 million and colorado residents use these benefits is this a loophole that will be closed and will have a public outcry? >> maybe now in colorado because there has been a tension. when you take public benefits, there should be more rules. and there are rules. not that you can go to the atm to go to a establishment. why shouldn't the same rules apply at a pawnshop? gerri: seems we have completely changed our attitude. people think they deserve this whicc is true for a

while. i am sure you have heard about that debate. >> over the last decades or getting public benefits if it is stigmatized we have gone way over in the opposite direction. but it is not embarrassing. he thinks he deserves that money or that is a really corrosive attitude is more prevalent.

gerri: but the left and drives it to further. but sunday ball should just stay home. when the cbo study comes out you discourage people from working you would expect liberals to say that is the unfortunate side effect but insteed not working is a good thing. and it is very disturbing. gerri: outside the regular norm of basic american thought to food we are working as a foundational virtue to remove that would be a big deall gerri: good to see you.

the government's latest idea to stop childhood obesity courtesy of the american taxpayer. and protecting yourself from the identity thieved. how do you do that?

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gerri: 29 to protecting your identity wondering how to get out in front rather than dealing with the fallout. protect your its identity by freezing your credit report. we have a credit extrovert -- experts from credit sesame.com. what is the freeze and how does it work? >> dutch credit freeze is a security freeze you take your credit report out of circulation so do with

vendors that you do not have a relationship can access. it is proactive because no new centers will have access to your report. gerri: because they want to know your store. but i can get your information and still gripped you off? >> this is not prevent you from takeover or fraud but only for richard name fraud. bet if they cannot get access will not open a new account. it is like fort knox. it is cumbersome because you have to put it back into

circulation before you apply with the results of a report being pulled but basically being completely avoided. gerri: you'll like this better than the fraud alert? >> i do. but it is reactive when something has happened like a new account or a new address that you cannot recognize. to fix something that has already gone wrong that you can do all the applications you want but that security freeze they are out of circulation. there is a range of the price but it's why would

they help you out? >> every state requires the agency's to freeze your credit report. gerri: i think we just lost tim. can we get him back? we appreciate him coming on the show to talk about a credit freeze. there is the cost associated but if you are in deep trouble tonight with your identity it is worth thinking about. time for stories of fox business.com. the stocks back and forth over the day with weaker than expected corporate earnings. disney is coinciding with the digital release of frozen.

it can launch movies anywhere to allow customers to watch more than 400 titles from disney and pixar. the u.s. a dot is finding the airline's $500,000 a south korean airline is penalized for properly helping to help of victims' families of the crash. the first airline is the first to be fined a for communication issues. now a major setback hoping all transactions but investors have been able to withdraw funds from the exchange for almost a month. no word about the change. those are some of saw hot stories right now. still to come michelle obama let's move initiative turns for years old we will have results to curb childhood obesity next.

lou: synagogue the obesity crisis michelle obama celebrates the of four year anniversary of her events moved initiative but is more government spending enough to tip the scale? joining me now associate professor of psychology and author of the book how toddlers arrive, a great to have you here. obesity rates aa?

>> with high junk food and high sugar food and less exercise. >> with the obesity epidemic it is pretty damning about the trend it gets worse and worse. >> the government has done a lot of spending you can look and almost in a president over any period of time the child nutrition, let's move move, demonstration project on and on. of millions of jobs are spent for use of the trend but the rates go up? >> children are in school and influenced by advertising and what food is available in their neighborhood. many have hayek calorie and high-fat.

it is cheaper to eat that way. >> michelle obama talk to some kids with will ferrell. >> can you tell us some of your favorite fruits and vegetables? >> die it . >> getting a good body is about dedication and consistency. >> six days a week but on sunday i eats nothing but candy? is that okay? >> no. >> at the end of the day all the government programs have little impact. what happens? what is your future? >> to show that you have a lifetime of high-risk which we know the risk factor for all kinds of problems but advertising, making good

food available because eating habits are ingrained very early. >> should parents be a critical part? we hear that part of the program and if you don't get the scoreboard at the high school game forward diet coca-cola instead of real coca-cola? but if mom and dad stopped drinking that would impact. >> but having healthy foods use the code etfs every rare. that is why the market to them. >> what do you tell parents? added to influence in a positive way?

>> you can have a range of healthy foods you don't look a forbidden food or the mainstay but a basically healthy meal. children want to eat well with some suites is part of life. >> it is of wrap together. great to have you on. taking your child to visit mickey mouse just got more expensive. walt disney world is raising prices for the second time in less than a year. the magic kingdom will cost $99.10 and older. the other parks epcot epcot, animal kingdom and hollywood studios also raising daily admission up at $94. we'll be right back with the answer to the question of the day. is it okay to cheat on your

taxes? stay with us. predicting the future is a pretty difficult thing to do. but, manufacturing in the united states means advanced technology. we learned that technology allows us to be craft oriented. none's losing their job. there's no beer robot that has suddenly csed them out. the technology is actually creating new jobs. siemens designed and built the right tools and resoces

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>> a recent survey from the irs finding out over a blend thousand people or 12% think it is fine to claim bogus deductions but is it okay? here is what you are posting. >> not me. not worth going to jail. >> but spending on wasteful spending is it any wonder americans would rather put it to better use and their family? >> 27 percent said yes 73 percent said no. log on for the question every weekday.

here are some of your e mills. a shocking to report to nearly one out of three americans are not saving any money at all. this survey finds only 60 percent are spending less than they earred in saving the difference. that number is down from 73% only 64 percent have emergency funds. that is the surprising because they are saving less

sense there is an account fall by 5% that is in a storage of willis report. we will see you tomorrow. lou:. >> to a fourth thouuht to those who weigh in have a clue? welcome to everybody i am neil cavuto should they just arrest them selves? marketing everything we eat because we don't know what we each. what is 80 me they are not changing labels but not very big to provide the labels that they screwed up. now doctors say not so fast.