r myself. with unitedhealthcare, i get personalized information and rewards for addressing my health risks. but she's still gonna give me a heart attack. that's health in numbers. unitedhealthcare. gerri: hello, everybody, i'm gerri willis right now on "the willis report." another day another obama care delay. they announce the 37th delay or change to the health care law. out of college and deeply in debt, new class of graduates driving the debt bubble. new rules mean a victory for the mutual fund industry. what does it mean for small investors? we're watching out for you on "the willis report." gerri: more government missteps. that is what our a block is all

about. story one, another rouge recall. this time no, it is not gm, it is nissan. recalling million vehicles because of airbag failures. the second airbag recall for some of those cars. the second. they are among the most popular makes on the road. for more we're joined by alan camp, a former nhtsa official who runs his own safety consulting firm. you were at nhtsa for 25 years. you know the organization very well. we were looking at some of nissan makes and models, some of the most popular, all tim ma as well. >> they had a recall last year 82,000 but some of those are being included with 90,000, essentially an electronic problem where the vehicle is not always sensing that an adult is sitting in the front passenger

seat. and if it is not sensing that the airbag may not deploy when it should. gerri: obviously not as serious as gm. we have no deaths involved here. barely any accidents. but you know, it just brings to mind once again, why aren't these problems being fixed the first time around? i'm starting to think, and you know a lot about this because you were at the organization for a very long time, i'm starting to think that nhtsa is broken. what is going on with that agency? >> well, they're understaffed, outgunned and outresourced. if i use a boxing analogy, they may not be knocked out but they're on the ropes. gerri: senator ed markey saying a massive information breakdown at nhtsa led to deadly vehicle breakdowns on our roads. as we know there are recalls of 1.6 million cars for gm. that also due to a problem with the ignition. you look at this record, and nhtsa was getting information all the time about what was wrong at gm, what was wrong at

nissan, yet we don't get the problems fixed. why not? >> well in the nissan case, nhtsa actually did have some influence on that recall. nhtsa staff were in touch with nissan. in the case of gm the manufacturer should have but failed to make a defect determination back around 2004 many years ago and the agency didn't have all the information that it could have had. i think had the agency more information the agency would have proceeded to investigate and threaten to order a recall if gm didn't do something. but gm was not terribly forth coming with the agency and the agency perhaps didn't connect all the dots on the information that it did have. gerri: you know, thousands, i mean lots and lots of reports obviously but over a very long period of time. so it's fascinating to see what happens when a regulatory agency, maybe doesn't have the systems they need.

mary barra, the ceo of gm, this afternoon, five different videos on the website talking to consumers. here is what she had to say about what went wrong. >> clearly the fact it took over 10 years indicates that we have work to do to improve our process. and we are dedicated to doing that. that is why we have hired anton de luck cast, former u.s. district attorney to help us investigate this process. actually he is leading the process to investigate to we get every lesson learned. i can commit to you we will put all the processes and learnings in place to make sure this never happens again. gerri: how well is berra handling this? she will be in front of congressman next month testifying. does this give you a sense what she might say there. >> well she will probably deny, she and other senior management had any idea of the problem. remind me the movie casablanca. gerri: how so. >> there is a line, i'm shocked, shocked there is gambling going on here. like the managers, senior managers, we're shocked, we had

no idea people below us knew there was a safety defect and didn't do anything. i find that pretty hard to believe. gerri: alan, other thing people find hard to believe or swallow, particularly for taxpayers, we bailed this company out. we bailed this company out. the fact they're able to shield themselves with bankruptcy because we bailed them out. >> it is even worse than that the taxpayers are hit by a triple whammy, number one as you noted, taxpayers bailed out gm. second because gm didn't conduct recall recall, 10 years ago, people who got injured in 2005, 2006, 2007, there were some fatalities, others seriously injured, seriously injured they're not paying taxes right now because they're paraplegics and quadriplegics. and third because they're severely injured and not in the general, multimillionaires, they go on medicaid and taxpayer has to support them also if someone is pair pledge jibbing or quad pledge jibbing right now.

the tax payer is getting socked by gm on this thing. gm is asserting this was old gm they have no responsibility for what occurred. gm wind up being rewarded for not having conducted recall earlier. remind me after child who kilts his parents and pleads for mercy on the ground he is an orphan. gerri: i have to tell you, the whole thing is very concerning. alan, quickly, what do you think needs to happen next? >> senator markey introduced a bill which i hope becomes law which would require manufacturers to submit a whole lot more information to the agency. i would, and requires the agency to make it public, so that interested parties and public citizen groups can scrutinize the process. i would like to see nhtsa get criminal penalty sanctions. the first time i've seen this was in the recent toyota settlement, $1.2 billion plus a monitor in the corporation. the basis for that was not any

statutes nhtsa has but the wire fraud statutes. and i hope that's a great precedent but i would like to see nhtsa get criminal penalty authority and also much higher civil penalty authority. right now the agency's maximum civil penalty is only $35 million. that can be a rounding error relative to the cost after recall. >> doesn't help to have bigger guns if you're not finding the problem in the first place. >> well, markey's bill would require the manufacturer to supply more information to the agency such as insurance claims, lawsuits. investigations at the company does internally. had gm been forthcoming with nhtsa and supplied that information 10 years ago when, it was developed as early as 2001, i suspect the agency would have been on top of this earlier. i would also like to see the agency get a lot more resources. could you double the staff in office of defects investigation at agency and nobody would be underworked. >> you told our producer that there are some 20 people

investigating the problems. 20. 20. >> 20 individuals, not counting supervisors, running investigations out of an office of about 50. about the same size now when it was i retired. it had gone up to 65. it has been cut back, meanwhile, vehicles have become much more complex with electronics, drive-by-wire. there are equivalent of four high-end pc's on a new vehicle. problems are more complex. gerri: software and hardware, right? issues are very complicated. alan, great to have you on the show. come back soon. 25 years at nshta. he knows what he is talking about. thanks for being with us. >> my pleasure. gerri: we want to know what you think, here is our question tonight. is the national highway traffic safety administration, is it broken? log on to gerriwillis.com. vote on the right-hand side of the screen. i will share results at the end of tonight's show. it is not just nhtsa, my friend. health and human services, another delay for obamacare.

just the administration isn't calling it a delay. calling it giving consumers extra flexibility. in a conference call with reporters this afternoon white house officials refused refused to talk a about a new deadline. they just admitted they're blowing through the old one. that deadline is supposed to be next monday, march 31st. let's talk to dr. potarazu, ceo of vital spring technology, what do you make of, i will speak english here, the delay? >> call it what you want, gerri. we've been to this rodeo before and the magic number as you said earlier is 37. this is the 37th delay and remarkable thing today, if you look at the pew report, is that 37%, if not more of uninsured people didn't even know about the deadline? what does that tell you? that they're constantly trying to move the yardstick in terms of trying to shepherd as many

people as they possibly can but yet every time they move that goalpost, everybody gets concerned because things are not working. and what is this delay actually mean? what it means is, that there are likely a lot more serious problems behind the scenes. gerri: right. >> and in getting the enrollees actually processed through the system, to make sure they end up in the right insurance plans, and the fact that that their payments are being processed. >> i guaranty you it is not happening the back end isn't finished. >> that is exactly right. gerri: when you talk to the federal talk to the pr for the white house, when you talk to health and human services, said for a same thing for a long time the 31st is the deadline of the listen to this. >> march 31st is the deadline for enrollment. you heard us make that clear. >> there is no delay beyond march 31st.

>> can you rule out the idea that the president doesn't delay the individual mandate? >> yes, i can. >> you can? that will not happen? >> that will not happen. gerri: that will not happen. the 31st is the deadline, my friends. now we have, as you said, 37 delays or tweaks to the law, 37. what does that tell you about how well this is working and what it means frank frankly for just people would who like to enroll but for insurers? >> what that tells you the initial mechanics of the affordable care act now on its fourth birthday are not the law that was passed four years ago and that with all of these changes the intention of getting all of these uninsured people within those, you know, within the ranks into the system has not worked. that a lot of young people who need to sign up in order to pay for the affordable care act has not worked, despite the president's best effort to try and market that. and that ultimately people are not going to be able to keep

their plans or the doctors that they hopefully intended to do. so for any of the critics today, who talk about the fact that really people shouldn't be talking about repeal, perhaps repeal is not the right word. but what is the right word is reevaluating where the affordable care act sits four years later after 37 changes and what it in fact is costing the american taxpayer in solving a problem that is not fulfilling the original intent. gerri: all right. not by a long shot. in fact, we have six million americans who had their plans canceled. more than the number of people who have been signed up which stands at about five million although we're not really sure because we get a different report every single day. just to remind our viewers if you want to take advantage of the delay you can take it. healthcare.gov. go to the website. push the little blue button. you will be able to get an extension.

dr. potarazu, thanks for coming on. always good to have you on the show. thank you so much. >> thank you, gerri. gerri: well we've got more coming up, including a shake-up in the mutual fund industry. what this means for your wallet. and next, why grad students can school the undergrads in ballooning loan debt. we'll tell you about that. [ male announcer ] the founder of mercedes-benz

once wrote something on a sheet of paper and placed it in his factory for all to see. ♪ four simple words where the meaning has never been lost.

the challenge always accepted. and the calling forever answered. ♪ introducing the all-new 2014 s-class. mercedes-benz. the best or nothing. [ cellphones beeping ] ♪ [ cellphone rings ] hello? [ male announcer ] over 12,000 financial advisors. good, good. good over $700 billion dollars in assets under care. let me just put this away. [ male announcer ] how did edward jones get so big? could you teach kids that trick? [ male announcer ] by not acting that way. ok, st quarter... [ male announcer ] it's how edward jones

makes sense of investing. ♪ gerri: you know the numbers, right? student loan debt surging to one trillion dollars. one trillion dollars. according to a new report grad students are driving a big portion of this. in fact of that one trillion, 40%, 40% is graduate student debt. jason delyle joins us. new america founder director of the federal education budget project. thanks for coming in, jason. great to have you here. i was shocked that the proportion of debt belongs to grad students is 40%. how did this happen? >> well, i mean it makes sense in that graduate students borrow a lot more than undergrads but there is also a public policy issue going on here. graduate students can borrow an unlimited amount of money from the federal government to pay for school and their living expenses. there is no cap. but undergrads can only borrow

about $30,000 in total for their undergraduate education. makes sense that grad students are going to be driving a big part of the growth in student loan volume. gerri: let me tell you, that is not the only thing that is shocking here. the increase, the delta in the student loan, student debt load, those areas of specialization that are growing the quickest might surprise you. master in education is up 66%. 66%. that's a lot. even if you want to be a doc, the numbers are only up 31%. a master of arts, up 54%? what are these people studying? >> it's hard to say say. we were only able to get good information on fairly broad categories of masters degrees but i think what we're showing here the high debt balances for masters and professional students is not just the sort of law student story we've been hearing or med student story. gerri: yeah. >> this is two-years masters degrees, boutique masters

degrees, names that people never heard of and students are leaving with $20,000 more on average after inflation. all the numbers they're use something after inflation. these are significant increases. >> unbelievable, jason, how people are loading up on debt. here is example from the story. a young fellow john, father of three, $150,000 in debt. what does he have? master of arts degree in psychology. his starting salary? $68,000. it is going to take this poor man forever to bailout? >> not necessarily. right. the federal government also has a program that is fairly new. called income-based repayment. you can make payments based on your income. gerri: right. >> this really changes the concept of a loan. we think of loans, more you borrow the more you pay or maybe the longer you need to pay. with income-based repayment, payments have nothing to do with what you borrowed. you look at numbers, worry about the people will they be able to pay. but actually a big chunk of

their debt will be forgiven. that is the sort of toxic combination here. gerri: got to jump in. that's what i find wrong because it is the taxpayer standing behind this debt at the end of the day. we're the ones on hook. we're the ones with big pockets, deep pockets, willing to lend to anybody. if you bail out on your debt, you her us. if you pay it back it's fine but the people who, you know, roll up $100,000 in grad student debt to study medieval art and psychology, i mean, come on. this is a misuse of society's assets in my view. what do you say? >> yeah. i think that the idea of income-based repayment makes a lot of sense for undergrads. you have some sort of a safety net f they paid for 20 years based on their income and haven't paid yet, okay, that is safety net. something has gone wrong. but if you borrow 90 grand and have the same repayment materials as the guy who borrows 30, the chance that is you have, your debt forgiven, even when you're doing just fine are

pretty high. that is where the problem is. you have a really big moral hazard where the federal government is encouraging to you, finance whatever graduate degree you'd like, no money down and don't worry about having to repay because it is always affordable. gerri: jason a tragedy on both scores, both undergrad and grad. everybody delays getting married, delays having a family. their whole life is on hold because of this ridiculous education debt. too much debt, too high prices. that is where we need to focus our attention. jason, obviously passionate about the topic. thanks for coming on the show. appreciate your time. fascinating information. >> thank you. gerri: coming up later, the scandal surrounding the target data breach is only going to goat bigger. next, we answer the question how do you do that? getting the most bang for your buck with regards to your retirement plan. we have news about an important deadline coming up. ♪ announcer: where can an investor

be a name and not a number? scotade. ron: i'm never alone with scottrade. i can always call or stop by my local office. they're nearby and ready to help. so when i have questions, i can talk to someone who knows exactly how i trade. because i don't trade like everybody. i trade like me. that's why i'm with scottrade. announcer: ranked highest in investor satisfaction with self-directed services by j.d. power and associates.

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 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 last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retireme.

♪ gerri: if you're retired or approaching retirement, listen up. a deadline involving your retirement plan less than a week away. we'll tell you what it is next.

gerri: all right. you're well aware, the tax deadline, april 15th but there's another deadline out there, well you could miss that retirees need to know b if you have an ira and it could cost you money, big-time. here with more simon financial group president, saul simon. thanks for coming in. >> thank you. gerri: tell us about the deadline. who is it for? >> anyone that owns an ira and turns 70 1/2, 70 1/2, last year, is required to take out a

distribution by april 1st, next week. otherwise there is 50% penalty. gerri: what? >> plus taxable income on entire distribution. for example you have a $10,000 amount of money you're required to take out. no the only do i have to pay a penalty of $5,000 i have to pay income tax on the $10,000. that's if they did not take out the distribution in 13, an remember they had to be 70 1/2 in '13. gerri: slow this down. 70 1/2 seems like bizarre number do come up with. that is the law. that is how it works. the government wants you to start taking money out of your ira to make you pay taxes. that is the basic idea here. so you have to take out, what they call, what do they call it? >> required minimum distribution. gerri: that is the magic phrase. required minimum distribution. how do you figure out what that is? >> based on life expectancy. go to the irs.gov website and you can look at the calculation based on your age and the value of the account as of december 31

of '13 will determine that amount of money you have to put into the percentage to take the distribution. now what people don't realize, is not only do you have to take the distribution out, by april 1st, for the distribution for 13 '. gerri: 2013. >> that's right. they have to take out the distribution for 2014. so now they're paying a bigger amount of income tax on two distributions that they're required to take out in this calendar year. gerri: obviously the devil is in the details. just to reiterate, there's a penalty you don't do 24 this, right? it is severe. you will pay 50% on the distribution in tax. >> that's right. gerri: if you don't do it the right way. bottom line you need to talk to your financial advisor or accountant or somebody who can paid you through this process because it is darn hard to do it on your own. >> i think seniors today really need to take emphasis and understanding with a specialty of distribution planning, which we started doing about 10 years ago because the rules have

gotten so complex. the senior needs to know, where am i going to take the money from? is the mooney in the market, jumping around all volatile? or do i actually have a plan, a distribution plan to determine, am i going to take the money from this account so that i satisfy my required minimum distribution. gerri: good point. tell you though, i know a lot of people have a lot of eye as out there. so do you have to take a distribution out of all of them or only one? >> great question. so ira accounts, ira accounts can be distributed out of one account. now, if you have a 401(k) plan, that's a separate account. if you have a retirement plan from a company sponsored, that's a separate account. gerri: right. >> so you really need to understand what accounts you have, and determine, am i taking out the ira distribution from one account or from each individual account. and each individual account will send you a distribution amount that you're required to take out and it is your responsibility.

gerri: oh, my lord. how hard can they make this? just how hard can they make this? like they want to us fail. you know why they want to us fail? because we pay more in taxes. >> by the way, roth iras are not applicable. so if anybody has any roth iras which are money that is they put in and pay tax on already, growing tax-free, they're not required to take additional distributions. gerri: if you're not paying those taxes. they don't care because they're not getting any money out of it. >> that is right, that is exactly right. gerri: very simple. saul, thanks for coming on the show tonight. >> great to be here. gerri: stories you're clicking on tonight on foxbusiness.com t was sour debut for "candy crush" maker. nearly 9% below its ipo price of 22.50. closing down 15%. despite "candy crush"'s huge popularity investors are worried that the game makes up a large portion of this company's

revenue and users. king and other tech stocks weighed on the markets. all the indices ending up in the red wednesday despite reports suggesting that the u.s. economy appears to be rebounding. warning from glaxosmithkline over bottle tampering. the company warning of some bottles of weight-loss drug ally sold in the united states have been tampered with. they could contain tablets and capsules different colors. the actual drug if you're taking it is turquois. the food and drug administration is investigating. faa is ordering immediate fix of the version of the boeing 747 plane. a software glitch could cause the plane to loose thrust when close to landing and flying into the ground. boeing maintains the problem never cause ad problem in flight of the those are some hot stories on foxbusiness.com in new york. i'm gerri willis. but you know that we already introduced me. coming up the caribbean come back that you need to hear about. new changes coming to money market rules. should you stop investing your

money in these funds? we're looking out for your wallet. coming up. stay with us. d states d states means advanced technology. we learned that technology allows us to be craft oriented. no one's losing their job. there's no beer robot that has suddenly chased them out. the technology is actually creating new jobs. siemens designed and built the right tools and resources to get the job done.

when folks in the lower 48 think athey think salmon and energy.a, but the energy bp produces up here creates something else as well: jobs all over america. thousands of people here in alaska are working to safely produce more energy. but that's just the start. to produce more from existing wells, we need advanced technology. that means hi-tech jobs in california and colorado. the oil moves through one of the world's largest pipelines. maintaining it means manufacturing jobs in the midwest. then we transport it with 4 state-of-the-art, double-hull tankers. some of the safest, most advanced ships in the world: built in san diego with a $1 billion investment. across the united states, bp supports more than a quarter million jobs. and no energy company invests more in the u.s. than bp. when we set up operation in one part of the country, people in other parts go to work. that's not a coincidence. it's one more part of our commitment to america.

(agent) i understand. (dad) we've never sold a house before. (agent) i'll walk you guys through every step. (dad) so if we sell, do you think we can swing it? (agent) i have the numbers right here and based on the comps that i've found, the timing is perfect. ...there's a lot of buyers for a house like yours. (dad) that's good to know.

(mom) i'm so excited. >> important news for you if you invest. government regular interstate ready to exempt in nearly $3 million market for rules and tended to curb risk. all right? money market mutual funds a place to park your cash, but should this new announcement change the way you think of investing? joining me now, founder and president of diversified consulting. most of our viewers will have money in a money market mutual fund. you think of it as a bank account almost. what happens every day is it gets repriced, the net asset value is $1.

it may not be so in the future, what is going on, why are we here? >> it is supershort. no more than 13 months, really high quality. fixed income maturing every day. it is $1 per share. we have always known it that way. 2008 taught us a very important lesson, this is what the sec is doing. washington and regulators allowed lehman brothers to go bankrupt. right? there are a lot of money market accounts that held bonds from lehman brothers. bear stearns reserved money market account primary reserve, not a dollar per share. those bonds are worthless.

gerri: great job explaining. the whole industry went crazy. years later the federal government says will institute rules here, we will allow lot of people a way around the rules. the industry happy as clams, not other people. this is important, the aarp believes it would radically impact a money market fund. not just them. using a floating option would be burdensome. and then coming off the chamber of commerce, companies like boeing, craft, safeway make it less efficient, more costly.

nobody likes this except the industry as well. >> the industry hates it. the sec wants the right. gerri: but they like the exception. >> the sec says let it flow. the industry is saying we want an exemption, we do not want this floating rate. it will be turmoil. the quotes you just read, you're going to create havoc. not a guaranteed $1 per share. they will be more responsible. baloney. they will create turmoil. we are comfortable with $1 per share. the industry has stood behind it.

they wanted there. they are standing behind it. why do you need to mess with something that is working? gerri: what do i have to do as an investor? should i actually put it in a regular old-fashioned bank account? >> we made sure our money market account are fdic insured. i don't lose sleep about it, but that extra insurance makes me feel better, makes my clients feel better. you can buy a treasury money market account. earn a little bit less, who cares. you are not earning anything otherwise. if you are not worried about this, one of those that will happen in a million years event, don't worry about it. gerri: people probably aren't used to hearing about this but you heard his advice.

if you're worried about it, put yourself in a treasury backed-- >> money market account or fdic money market account. we are not talking about bank money market accounts. totally different. these are brokerage accounts, mutual funds, vanguard. fidelity. we all have money there. i do. gerri: and you think it is safe. maybe not. another lawsuit involving the target data breach with one of the retailers security vendors. they are suing target and security vendor trust wave. the banks are kidding trust wave failing to detect vulnerabilities and target network failing to protect the data and sue. seeking $5 million in damages and seeking class-action status

in the complaint they acknowledged they had performed more payment data certifications and we will continue to follow this story. the new app turning social media on its head. the real estate market is on fire after the housing bust moving on to sunny skies. join us on the beach next. those litt things still get you.

cialis tadalafil for daily use helps you be ready anytime the moment is right. cialis is also the only daily ed tablet helpsapproved to treattime the msymptoms of bph, like needing to go freently. tell yr doctor about all your medical conditions and medicines, and ask if your heart is healthenough for sex. do not take cialis if youtake , as it may cause an unsafe drop in blood pressure. do not drinklcohol in excess. side effects may include headac, upset stomach, delayed baache or muscle ache. to avoid long-term injury,gety if you have any sudden decrease or loss in hearing or vision, or any allergic reactions like rash, hives, swelling of the lips, tongue or throat, or difficulty breaing or swallowing, op taking cialis and get mecal help right away. ask your doctor about cialis for daily use and a free 30-tablet trial.

but with so much health care noise, i didn't always watch out for myself. with unitedhealthcare, i get personalized information and rewards

for addressing my health risks. but she's still gonna give me a heart attack. that's health in numbers. unitedhealthcare. gerri: a caribbean come back after drowning in the housing crisis. there are seeing a huge surge in home sales, so is now a time to build a second home in that paradise? joining me now, cheryl casone.

can we just look at some pretty pictures? one of the expensive homes. $55 million, oh, my gosh. >> this will be the most expensive sale if it goes through at this price in barbados history. during the financial crisis caribbean prices were down 30%. now the realtors are realizing they can get more for their money. so they are trying with this one. gerri: standard housing for individual homeowners. >> you do have 10 and a half acres on the beach. one thing that we are seeing with this jump in prices, lots of the european buyers, a few chinese, hunkering down on the west coast, but what we are seeing with the weaker dollar,

if you are swiss, french, russian, you can get a better deal on property using dollars but the caribbean is where they are buying their second home. gerri: take a look at this, 10,000 square feet, holy moly, look at that. >> there is also one in the cayman islands. this one is a little bit more affordable. you need guest suites. i would say yes, please, to that. the bahamas as well. $25 million property in the bahamas. it has a pool, a fireplace. i will say if you really want a condo or a one or two bedroom place, this is the best place to get a deal if you are not

looking to spend lands of dollars. gerri: in st. thomas we have seen places come down 50%, get a three bedroom for how much? >> many americans by st. thomas and the bahamas. some of the islands are now offering residency if you invest in the islands. that is one of the new trends we are seeing. the caribbean was hit just as badly as the rest of the world with the financial crisis. also we are seeing a little bit of a pickup in south american buyers, which i find very interesting. gerri: the huge falloff, a huge ramp up. can you sustain that? >> he will not see a big jump in

prices, don't care if we're talking about a $50,000 home or a $5 million home. if you are looking for a second home investment property, you cannot go wrong with places like florida and the caribbean. hawaii saw a big hit in the financial crisis and are seeing a pickup on those islands. finally the second home pickup. a lot of the baby boomers now turning 50 are all looking for second homes to buy the vacation home in the caribbean in florida. gerri: one word, hurricane. good times, pretty pictures. still to come, my two cents more. do you want avoid the awkward run in with your ask? how to fix that from ever happening again.

♪ ...work with equity experts... ...who work with regional experts... ♪ ...who work with portfolio management experts, that's when expertise happens. mfs. because there is no expertise without collaboration. they're about 10 times softer and may have surface pores where bacteria can multiply. polident kills 99.99% of odor causing bacteria and helps dissolve stains. that's why i recommend polident. [ male announcer ] cleaner, fresher, brighter every day. [ male announcer ] cleaner, to manage your money.r guy arnd 2 percent that's not much, you think except it's 2 peent every year. go to e*trade and find out how much our advice and guidance costs. spoiler alert. it's low. it's guidance on your terms not ours.

e*trade. less for us, more for you. gerri: it has happened to all of us. there is an app to avoid that next.

gerri: trying not to run into your ask? there is a new app i can help you avoid running into people you don't want to see. it is called cloak. we have the creators right here. what are you trying to do with this thing? >> you can connect to your social network and get alerted when people you don't want to see get too close to you. gerri: instead of staying home so you don't run into your ask, you use this app to find out

where people in my network are physically writes now, right? >> any recent check-in's will alert you to their locations. you can see them in a nice little dashboard review and you can flag particular individuals who may be hazardous. you are free to go to the grocery store in your pjs and do as you want with privacy. gerri: why did you put this together? >> it was run-ins with ex-girlfriend's was the big one he had gerri: really? >> absolutely. and taking a fake sick day. >> or if you want to avoid rupert murdoch. gerri: there is a class of apps

called antisocial. you say this is sort of in the middle of that. >> it complements social network. there are things that exist in the world that are even more antisocial the than flappy bird. gerri: the whole idea is to connect you with other people. as people had too much of that? >> it goes hand in hand. i am here right now, take photos, tag the location. sometimes you want to be on your own, you want privacy. this just goes hand-in-hand with it. >> we are not creating any new data. you already have access to it. gerri: it would already be on

my ipad, my iphone. gerri: this is very interesting. cloak. what else do you have in the works? >> we're looking at new opportunities. there are a lot of things we can do. the data is fascinating. the people you want to avoid. gerri: what else beside ex-girlfriend's are there out there? >> say want to avoid a hotspot. gerri: why would you say that? >> this bar has too many hipsters. there are so many different cases for all the people. that is a very interesting avenue. >> honestly chris is added, we want to explore more avenues.

gerri: maybe pulling back a little bit. i'm sorry i did not meet your hurdle for hipster. great stuff. we will be right back with my two cents more and the question of the day. stay with us. you really love, what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architect. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪

paying ourselves to do what we love? if ...hey breathing's hard... know the feeling? copd includes emphysema and chronic bronchitis. spiriva is a once-daily inhaled copd maintenance treatment that helps open my obstructed airways for a full 24 hours. spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace fast-acting inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva. discuss all medicines you take, even eye drops. stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells, you get hives, vision changes or eye pain, or problems passing urine. other side effects include dry mouth and constipation. nothing can reverse copd. spiriva helps me breathe better. does breathing with copd weigh you down? don't wait to ask your doctor about spiriva.

(announcer) scottrade knows our and invest their own way. with scottrade's smart text, i can quickly understand my charts, and spend more time trading. their quick trade bar lets my account follow me online so i can react in real-time. plus, my local scottrade office is there to help. because they know i don't trade like everybody. i trade like me. i'm with scottrade. (announcer) ranked highest in investor satisfaction with self-directed services by j.d. power and associates. gerri: nissan recalling 990,000 vehicles in the u.s. because the front passenger airbags may not inflate in a crash. this is a second recall to fix the same problem, but what about the national highway safety traffic administration's responsibility here? are they broke in? here's what some of your posting on my facebook page. the government needs to downsize, eliminate or privatize

it. gilbert writes it is asking too much if we suggest they leave their offices to go to the management of automakers consist more information be given. good point. we also asked the question on gerriwillis.com. 4% said no. log onto gerriwillis.com for the online question every weekday. we reported record lady gaga report, but the caus cost was oy about $5000. the majority went into lawyers and consultant pockets. does the celebrity endorsement of a charity make you more or less likely to donate? here's what you said. celebrities did not impress me and i would not choose helping to fund charities because they were involved. most are liberals and i cannot tolerate the far left at all. what stop looking at any charity for most of them are involved. send me an e-mail.

and finally, can uncle sam ever get it right? at the top of the show tonight two examples of government agencies run amok. delaying the deadline for enrolling in obamacare. this is the 37th change or delay in the rules. how can people play by the rules when they keep changing? the same goes for insurance companies. the sand keeps shifting all the time. and regulators for the auto industry struck stumbling again. nissan make a second recall because of an airbag problem: back in million vehicles nationwide. the first case uncle sam bit off more than he can chew have in a run health care industry is overreach. in the second, government has a viable role, but they are not getting the job done. we deserve better government than this, we certainly pay

enough for it. that is my two cents more and that is it for "the willis report." we will see you back here tomorrow. >> and we have a liftoff. neil: here is all you need to know about how sad this country has become. we are hitching rides with the russians into space. that rocket the latest example. the only way we can get there. american astronaut paid for the privilege. steve swanson did not pay that himself, of course, we did as we always do. space bigger is cannot be choosers. i am neil cavuto and talk about a fall from grace. every time i see these images i just get sick. the compan country that conquere thumbing rides to get into space. and for what we are paying, we better not be