willis today. you will break on the details of that report from the va. cheryl: the question we will be asking our viewers is should we privatize the va. can private companies do a better job here? >> in light of what happened, probably. unacceptable to be treating veterans like this. >> it will give them better service, absolutely be at cheryl: lot more on this coming up in a few moments. thank you very much. also coming up on the show, and mom serious as her son suffers a severe sunburn. wait until you hear the school's excuse. the mom joins us here in a few moments. a case of identity theft in obamacare. will it be the first of many. we will have the very latest for you. and we are investigating a growing trend, people are giving medical marijuana to their pets.

we begin tonight with the first in-depth look into the scandal rocking veteran affairs, reports of secret waiting list, long ways times and deaths in a nationwide audit that stay stats over 100,000 veterans have been impacted by problems plaguing the government agencies. for heartbreaking stories come to light and more taxpayer dollars go to fund this agency, should they demand veterans care be privatized? of course a veteran and former health care executive officer of the political malpractice how politicians made a mess of health reform. thanks to both of you for coming in. i went through the audit this afternoon when it was released 54 pages, i was shocked to see this kid 13% of scheduling staff

interviewed said they received instructions from supervisors to enter into the desired field a date different from what they had put in there. basically to cover of the problems. with this ever happen in the private sector? >> it could, but i would doubt it. we have to find out what upsets us more. the service delays because of inefficiencies and ineptitude or the fact relied about it. there are actually two different questions. >> should we privatize the va stand? yes or no? >> we should look at that. there is a 20 to 30% excess capacity in the civilian system that could be taken out with some va patients. there are basic questions we have to answer first and one of those is what do we owe our veterans with mark that hasn't been discussed yet. cheryl: jesse, what do you say

to that? >> right now on the hill they are talking allowing veterans who have waited over 30 days and waited 40 miles outside of a va medical hospital to go into private care. this is critical, this is huge. it will break the government monopoly on care. they will have an opportunity to get into private care if the bill passed. they come together, i am astounded over this and very excited over that. cheryl: i was looking at what senator mccain and mr. sanders wants to do, they want to add in 239 million to the major medical facilities of 18 states and puerto rico and overhaul phoenix.!3u >> unless we answer the question is this a supply question why demand question, if it is a

supply question, yes, that does seem to help. on the demand side of the equation, but we have to ask what we owe veterans, there's a huge difference between saying we owe veterans who have been injured and have a disease while they are in the service that is one question, another total question to ask do we owe veterans 30 years after the service because of chronic diseases a lifetime of care. those are two entirely different questions. >> those questions have already been answered. this is a mismanagement problem. they have fumbled around with the numbers so they could get bonuses. the bill that i am talking about will hold the executives accountable. you did bring up a point about bernie sanders. he wanted a pork filled the bill, this new bill is bringing you the cost is down.

we're looking at roughly $1 billion. that will still go up to the markup. it has been allocated and designated to be $160 billion so there will be some pushback. we have people hesitant to add more money on. i don't think it is a medical money issue i as much as a management issue. cheryl: stan, first to you, is he the right guy to take this over? his name was in the running, he said no thank you, he now has long gibson who is going to try to fix the problem. is he enough? do we need a ceo and cfo? >> yes, you do need a whole new offensive team.

>> i don't think veterans have to run the veterans administration. he has reached out to the veterans trying to reach all of them who have been on the waitlisted he is also ensuring these veterans are getting expedited care. he has taken a lot of measures including firing the phoenix executive so i think he is on the right track. cheryl: he is not ready for congress, jesse. you are a veteran. how do you feel about what has happened at the va? >> not a single veteran in america right now trusts the va. that will take years to restore this. sloan is one piece of the trouble, we need more executives with the hospital care experience. veterans don't necessarily show this. not the veteran status making them qualified.

cheryl: you fight for our country, no job when you come back and a splintered health care system. thank you very much, great discussion on this. we will update our viewers. again bypassing congress this time on the of student debt. here to break down what it all meant, the princeton review and author of paying for college without going broke. that is the headline here. you don't have jobs, they are living in basement. >> it depends, posturing for midterm elections, it is unlike the issues will be passed through congress some of the proposals here. cheryl: you think that congress will actually step in and pick

up where the president left? >> that is what the president is hoping will happen. but with this issue, they will have a longer look to loans that are covered for the ability of students to pay as they go and pay no more than 10% of their income toward their student loans. the program hasn't been well publicized and very few taking advantage. cheryl: this initiative has problems, that was lost in december of 2012 so this program has been out there and it hasn't worked. now his solution is we are going to give you more of a break. it was only if you took out loans between 2007, 2011 during the recession. fine. now he is saying if you went to school in 2000, you get a break too. that is what he is saying. can we afford that? >> what we are not told about

this is on the back end. after 10 years pay-as-you-go, up to 20 years. the problem with these payment options is negative amateurs asian. you can be paying on your loans with the amount you pay doesn't even cover the interest on the debt. cheryl: students are default in. what we are saying is they are getting out of college, stuck with student loan debt, i don't want to insult you, but now they're being told you are going to get a break. why pay back the loan? >> is important to pay back the loan. when you look at schools, counsel families on eligibility is for them to be looking at schools, looking not just sign on the dotted line and how to pay off the debt later. if you can go to schools with

those packages and do your homework that way it'll be a lot better off when you come out of college and you won't be stuck with a debt burden around your neck for decades after you graduate. cheryl: said they were talking about those out of school now sitting on all of this debt. frankly because there are no good jobs available, over regulating business and hitting them with health care costs telling ceos they are evil people and jobs would be more available. one thing that was so interesting, don't borrow more to earn the degree then you can expect on the first year as a starting salary. what about medical students? does that apply to every major in your opinion quite mark >> still being careful with the debt. a medical doctor perhaps don't ros much as an undergraduate and borrow when you going to graduate school. there are different options available. even available in medical

schools, you could work in programs to be a military doctor and the government will pay for you to go to medical school. cheryl: they said we don't know what it will cost. that is the next level of discussion. i am glad you are out there working with the kids, good to see you work through what could be a financial disaster. we want to know what all of you think at home tonight so here is our question for you. should taxpayers be on the hook for student debt? vote on the right-hand side of your screen. i will share the results at the end of tonight's show. can't wait to hear from you. still a lot more to come this hour including your voice, your voice is very important to us. i want to hear from you, tweet us, i am also cheryl casone. you can e-mail at gerri willis of course. and i will read all of your

comments at the end of the show. has many state run amok? they had banned sunscreen and little girl gets sunburned badly. her mother is here to share their story. 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. 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 don

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cheryl: a texas mom is burning mad at her her 11-year-old daughter came home from school with a sunburn. because of a school district policy which bans sunscreen. joining me now is that young girls mother, christie. thank you for being here. >> thank you for having me. cheryl: walk us through what happened here. your daughter was one i feel cap hours and hours outside and the school said she could not wear sunscreen with her? >> it was made clear the district policy. apple a lot of sunscreen on her, but as you know, per the

instructions of the sunscreen bottle, you need to reapply every 90 minutes to two hours. especially if they are wet or sweating profusely. cheryl: if she is out on the field trip, she can get a sunburn. if she doesn't have any kind of reaction to sunscreen, why is it banned from being brought to school at all? >> that's a good question, that's where i need answers and that's wife this story is out there and has hit a nerve and hopefully they can make changes. their complaint is it is someone could have an allergic reaction to it. while i would argue children don't share sunscreen like they don't share their lunches, they are told not to do that because of allergies.

let's make sure no children are sunburned. cheryl: i'm so sorry your daughter got that sunburn. it is painful. we did reach out to school, here is what they told us. this is from the northeast independent school district spokeswoman. the student brings sunscreen and share that with another student who is allergic the student could have a severe reaction. the northeast a principal district requires parents to apply sunscreen before school, but if there are instances for exceptions like a field trip or with a doctor's note. i'm kind of confused it they say there are instances where a principal may allow exceptions. but she was not allow that. >> unfortunately that's news to everybody involved in this. it's also disappointing that there's no accountability accountability on the school district part. in my opinion they're trying to put it back on the schools and

the principles and the teachers, and that's not where the policy came from. it's pretty disappointing to see the school district doing that, and in my book that's not okay. they need to be responsible and take responsibility for the policy they came up with, that came down from them. the school and the principles are just enforcing what was out there. don't put it back on them. cheryl: your father passed away from melanoma, right? >> he did, he did. he was diagnosed late january. by the time it was down for him, it was too late. it's a completely preventable cancer for sunscreen. when we were kids, we were a generation that didn't grow up with the knowledge we have now, and knowledge is power. by telling them to leave the sunscreen at home, what sort of

message are we sending? it is completely a preventable cancer, and a dermatollgist will tell you to use sunscreen, they are responsible for their own health and safety. cheryl: i think you have gotten the discussion going on a national level and we will follow this for you. >> thank you be at cheryl: i'm sorry for your loss and we will be following this story and maybe they will change their mind. >> i hope so, thank you, cheryl. cheryl: coming up later in the show even pets are jumping on the pot bandwagon. the latest crave for pets. but is it safe for your daughter cap? and obamacare breach. the worker walks out of the office with enrollees personal information. yeah, so how safe is our information. we will tell you exactly coming up. peace of mind is impornt when you're running a successful business.

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add breae right to your allergy medicine. that corporate trial by fire when every slacker gets his due. and yet, there's someone around the office who hasn't had a performance review in a while. someone whose poor performance is slowing down the entire organization. i'm looking at you phone company dsl. check your speed.

see how fast your internet can be. switch now and add voice and tv for $34.90. comcast business built for business. cheryl: data encryption and layer upon layer for security is no match for carelessness. a backpack of information left on a street corner. as unbelievable as this sounds, it is what happened to some people who signed up for obamacare in that state. talking about the low-tech data breach, i'm curious to you think this the case of hacking? this is just sloppiness. >> there is never any reason for anybody who works in the exchange to take that kind of information outside of the

exchange office. that is a blundering of itself. they at least had the good graces to turn themselves in on it was reported. but obviously this kind of low-tech data breach is something that should never happen because it is so easy to protect. cheryl: identity theft is one of the most prevalent crimes in our country. but at the same time, are we that careless? this is how these exchanges are being run, doesn't this make us concerned about any information you are putting on these exchanges? >> we would have a seamless exchange, a lot of people using these call centers and doing manual exchange applications. cheryl: oregon doesn't even have one. >> they were they go home and fill it out at night. that is not supposed to happen. if there are backlogs like this, it will happen from time to time. cheryl: why leave the facility, why printed out?

>> i can't imagine taking handwritten notes like they cannot type at the same time. there are no reasons for that to leave the exchanges. cheryl: to walk out of a facility with sensitive data. the health of these exchanges, no pun intended, is still not clear. now the feds want their money back. it is becoming a debacle. do we need a complete electronic overhauls we do not talk about applications that get lost? >> there still building the back back end of this exchange finding a way to pay insurers. the it department is a huge concern, not just oregon but maryland, nevada, other states with disastrous rollouts, taxpayers are paid hundreds of millions of dollars approaching a billion dollars to get the state exchanges up and running. why do we have to do this to begin with when we already had

the health insurance and others with good tech already. what is the point? cheryl: this begs the question what about the medical information? and an until some kid printed ot and leaves it on a bus stop. >> people use social security numbers for everything. when you lose that, you can lose control of your credit history. we need better data security, the federal exchanges are not required to notify a data breach as we have indicated with places like target, these go on for months. they have been proactive getting the information out and the people who may have had a data breach we will pay for credit identity insurance for you, so that is a great step. cheryl: have you learned any lessons from this? >> don't take your work home

with you. if you work for the exchange. cheryl: thank you very much. still to come, amazon is taking on paypal. the latest on internet retail giants moved to push for paypal. and the trial that can check up the entire ncaa to its foundation. should college athletes be paid to play? our debate coming up. i ys say be thman with the plan

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cheryl: should student athletes get paid or is their college degree enough compensation. also some shine has come off of legend california chrome. can the owner renew some lusters, those are two of the stories in sports we're debateing on the willis report.

steve, i'll start with you. what is issue in case of ucla, and ed oh, banyan, why is this a big day for college sports. >> in simplest terms ncaa, has been exploiting name and likeness of a lot of student athletes, if this goes through, student athletes could receive compensation for you know selling their jerseys, selling you know their name, and et cetera. so, what is going to happen, is if the ncaa loses, if will go through an appeal but, they potentially could reap the benefits, student athletes. cheryl: they could reap the financial benefits, but j.t. does this take the fun out of college sports, you know they are there because they love it. they are not there to collect a check. which something do you see in

professional sports they are all about the greenback. >> it takes the stress from education, what it does, have you kids in my school, who end up meeting college coach in living room, and mom and dad will talk about how much money will my son get paid. it takes away the stress from ed education, student athletes need to believe a small portion of compensation if jerseys are so sold. there are now billions of dollar as at stake, they deserve a small portion, but if i pay college kids they will take that check, walk into the bar, drink it away, party it away, some will do the right thing but we don't top pay every student apply the. 99% was not playing in the nba

or nfl. you pay kids to go to college who are not going to make a living playing professional football or basketball. cheryl: they will have a degree though. >> well they will get a degree, if they don't get paid, that is the points, if you don't pay them to go to college, they get an education, they don't make it in nba or nba, or nfl they can fall back on their education and make a living, but they are not going survive if they don't play in nfl or nba this is a small minority of players, give them a little bit of money, 200 or 400 a month but not pay them in college. cheryl: another issue, witness list in this, you have ncaa president, and big 10 commissioner, the big names on witness list for ncaa. what does that mean, you are the attorney.

>> it means they will get -- have to testify, go through everything, and do the diligence, and say, what ncaa makes in terms of money in compensation. now, for a lot of these players, a lot of clients that i have, a lot of current and former players, i tell you, they should receive some type of compensation. however, a lot of them are happy they receive their degree, they are happy about actually having that paper that they can put on the wall, and actually make some type of living after playing. because, the window is small. >> i want to make sure producers are ready to go, the next topic california chrome. california chrome owner was devastated. but elizabet liz claman had then her show, she asked what he thought of the reaction to that. >> he loved his horse, and i

think every owner, he they life their horses -- they love their horses, the horse is awesome animal. >> he loves the horse, j.t., do you forgives owner? >> i do, it was an emotional moment, he was on television, he was upset his horse got beat, millions of revenue of marketing coming off a win or a loss, a teaching moment for everyone that owner was a soar loser, right after he got beat, he should have took the high ride, and congratulateed the owner of the winning horse of the belmont, it was a bi mistake. cheryl: he did apologize, what did you think of that apology. i know people that own the horses they love them, it is hart breaking when they lose. >> yeah, i think, it was sincere in terms of soar loser, the aim

of money lost, j.t. is right in terms of off spring that could have happened off of winning triple crown. and selling off off spring it could have been huge, have you a soar loader, i am happy he did apologize. cheryl: very quick. i have to ask about cup cup -- world cup, america can't win we're in group g with no chance at world cup, is that good or no. >> he is being honest, we really have no chance, we're minor leagues songer in the globe, but it is entertaining, fans need to get out of their homes into restaurants and sports bars and embrazem-- embrace the moment wh united states, we're not there with the best yet but we can be competitive. cheryl: steve. do you agree? >> i disagree, we have a shot, you never know that is why you play, if you look at it, he

plays for germany, who is in our bracket? cheryl: germany. >>, of course, that heritage, he wants germany do win. you know it will be tough. we have dempsey he is good. cheryl: you never know. that is -- >> you never know, just play the game. cheryl: j.t. and steve thank you so much. >> thank you. cheryl: thank you a story i told you about at top of hour, step aside paypal, amazon, launching a new service, allowing customers to pay their bills through their amazon account. is this a good idea? a way to charge my bills? >> it is a good idea if you want more options, looking at how they did it a on-line payment service today, taking on paypal. but first, news on paypal to bring you the ceo, jumping to facebook to be vice president of messageing products that is interesting because. facebook acquired what's -- for

19 billion, back to amazon payment. user put their info on amazon, you can use it to pay your phone bill or other services, you can set up payment with a few taps, track yoryour payments and theyn adjust them, amazon is hopeing that it will appeal to start up, and other small businesses as well, it is mobile ready, it charges 2.9% and 30 cent for each sa transaction of 10 buckse more. it goes well with amazon 3-d phone that the ceo jeff bezos is expected to announce next week in seattle. we're thinking pan dor aspot fi and netflix. cheryl: how secure are the

payments with amazon. >> amazon have not had any breaches yet. precedent is indicative they hope, they are saying according to their spokesperson that security is their top priority. so for now, it seems very well incrypted. but just a few weeks ago ebay with cyberattacks, no financial information compromiseed but a sour spot. cheryl: you have to love the thinking that bezos has right now, shop on amazon, pay your bills then comeback and shop again. >> they love everything about you. cheryl: thank you very much. well now we want to hear from you, here is what some of you are posting on the facebook page about poll question, should taxpayers be on hook for student debt, melanie say, no, no, and

let's see, no. mike posted how about those who paid back our loans, is anyone giving us a rebate to even out the flyin playing field, for ale things we did without to pay for rolts, tim tweeted, no, i worked full time in summer, and every day, i had a lot to pay. great to hear from you. coming up, latest health craze, for pet owners, lighting up controversy, they are being medicated with marijuana. we'll examine the risks coming up next.

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cheryl: this it for you pet

owners, does your mutt have the munchys, pot for pets is becoming a budding stray. companies are claiming to cure-all kinds of animal ailments, should you buy a bong for browser? bandit? i have a lot of them. what do you make of this? is this a good idea? >> i think there is a little confusion, these products hemp biproducts, to say they are same as pot or recreational marijuana, it is from the same species of plant but a different varyiant. cheryl: hans was in a hoarding situation. so, does not about either you, we medicate our pets, this is

unregulateed. pet medication industry is pretty fair game for the companies to say, hey. >> yes, and no, these are supplements because they are not used add pharmaceuticals they are supplements for your pet, makers are careful to say they are not medicines to courier -- cure the pet. >> besides legalty questions, you know only washington and colorado have legalizeed recreational marijuana use this is medical? >> this is my understanding because this is strictly oral administration and pets and low substances it is below the radar. cheryl: if i order this in new york, i wouldn't have to worry about gives it to my pet. >> no, but having saying that not the same as medical marijuana for people, that is

made from industrial hemp plant. cheryl: do you worry we're giving our animals too much, it is cute to see your dog drink beer at the pool party, but is that bad? >> it is tough, these things that are not regulateed are difficult to say, with an fda regulateed drug it has been set ofed. with supplements i it is more difficult, talk to your veterinarian. cheryl: be careful, i worry, you know we have big hearts as pet owners. >> biggest concern is that because actual marijuana is very toxic to pets, my concern that people hearing, pot for pets they think it okay to give their own marijuana for pets it is dangerous, i can be deadly. >> a very good points. i am glad you brought up that, all right, doctor thank you, and thank you hans, get a home. >> he is animal shelter. >> all right in new jersey thank

you very were. >> coming up next, apple splits its stock, less than a hundred bucks a share, do you want to buy some? think about it. >> and here is your consumer gauge, with numbers that matter to and you your wallet, we'll be right back. weekdays are for rising to the challenge.

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cheryl: here we go again, another happy start to week as stocks rise. will good timing keep rolling, joining me. dave good to see you. and david. all right, david to you first.

are good times going to keep rolling? >> well, no telling how long this momentum lasts. but to me it is feeling like 2006, and 2007 all over again, i tell investors. cheryl: you talk a bubble? >> yes. i tell investors that we have literally almost 200 years of stock market history i that says there is going to be a mayor drop at some 5 points soon, the question is how far do you want to push your luck. cheryl: i am worried we're printing money, europeans are printing money. >> i agree but to a certain points. remember that when you came out of rig from downturn who came out strong, not consumer, the government came out okay. but really, the fortune 500 companies are sitting in trillions of cash that is why we have mergeer mania. cheryl: david, i want to get your you know take on this whole

market, because, many retail >> i don't know about next year, i worry about market change the rise in interest rates we know that fed is on hold in interest rate for the year, we know they

will taper, we know that when you put a pencil on the market, after last year's great move, and you said at en of the year we might have 1900 on s&p, people thought we were nuts we're at 1950. cheryl: i think that pig concern is theic -- the big concern is the economy u.s. economy and gdp 2% over last 4 years, maybe not so great, but, talk about apple, big stock split for apple. you know, you have a huge stock split like apple the reason is to make it more attractive is this good for apple? are retail investors going to jump in. >> today, for example, i had unsolicited 5 to 6 clients call, and buy apple. >> because of the split. >> because of the split, some people, even sophisticateed

investors they will -- they like it when it splits, i don't know why. but bottom line, long-term i think that apple will be fine. cheryl: david it is psychological, it is cheap now are they getting a bargain, company is still the same, no big blockbuster products. >> but there is a market anomaly that says stocks go up a better a split, at the end of the day people should not buy the stock just because it split. >> david, he is right 7 to 1, you know two-for-one is one thing but 7. >> have you 1/7 of what you had before. the etf did note change its compensation with the splits, it reflected little increase we saw today as it would. cheryl: okay well then there you

go. same company, and etfsays no change, merger mania. we said that fueled because companies are sitting on cash. is that only reason? >> when they come through recession, they are not increasing their revenue, you have to get cline client somewhe reduce costs, if it a right fit. cheryl: okay so, tyson hillshire foods deal, so many suitors going after hillshire, why is it so important to see food companys in particular merge. >> it just, trying to add shareholder value in an economy that turned at same spaoe speed at ti titanic, they are trying o ing to add shareholder value.

you have to think creatively. >> all right, again a big day, the street likes it. david, shane, and david, thank you so much. >> thank you. >> all right, well we'll be right back with the answer to your question of the day, should taxpayers be on the hook for student debt? my name is jenny, and i quit smoking with chantix. before chantix, i tried to quit... probably about five times. it was different than the other times i tried to quit. along with support, chantix (varenicline) is proven to help people quit smoking. it's a non-nicotine pill. chantix reduced my urge to smoke. that helped me quit smoking. some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. if you notice any of these, stop chantix and call your doctor right away. tell your doctor about any history of mental health problems, which could get worse while taking chantix. don't take chantix if you've had a serious

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step seven point two one two. verify and lock. command is locked. five seconds. three, two, one. standing by for capture. the most innovative software on the planet... dragon is captured. is connecting today's leading companies to places beyondt. siemens. answers. 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, can you start tomorrow? yes sir. alright. let's share the news tomorrow. today we failrly busy. tomorrow we're booked solid. we close on the house tomorrow. i want one of these opened up. because tomorow we go live... it's a day full of promise. and often, that day arrives by train.

big day today? even bigger one tomorrow. when csx trains move forward, so does the rest of the economy. csx. how tomorrow moves. cheryl: from the white house to the poor house, maybe it is the clintons way of showing they are just ordinary people. the 2016 presidential candidate hillary clinton, her family was more than dead broke after leaving the white house in 2000. in an interview with abc, the even struggled to buy a house and pay for their college

tuition. if you books and a few hundred speeches later the clintons today are worth more than $200 million. hillary probably figures that is middle class. that is it for tonight's "the willis report." have a good night. we will see you tomorrow. charles payne is up now. charles: tonight on "making money." investing in terms like how about return on investment. picking the wrong major in college. the latest attempt win back the love of young voters. and the left, intolerant again telling college funds not to accept millions of from two of the most charitable americans in history. a mind is a terrible thing to waste but apparently so is the chance to keep people at the bottom. another term use in wall street, valuation. with soaring values, the economy and opportunities. maybe it is a bubble,