it hard or the chin down well over 2%. s&p 500 exactly to 2% down. we can't forget the commodities either. oil down about 2.5%. gold off, too. there doesn't seem to be much refuge anywhere right now. >> we'll find refuge in what gerri willis is talking about. the outrageous way airlines are getting our money? gerri: that's right, the war airlines waging on kids. also coming up on the show. forget smartphones. smart tv's are becoming popular. we'll have the advice how you can jump in on the new trend. also new regulations may soon have you paying more for your contact lenses. and a dismal jobs picture for nation's youth, why are they spending more time at the beach than at work? we'll tell you. "the willis report" where consumers are our business starts right now.. we begin with more, more

airline fees. if you're flying this summer, say sayonara to kids at the gate even if they're on the same plane. more airlines are charging extra to sit next to your child. joining me is the founder of airfare watchdog.com, and a mom who experienced this firsthand, karen means founder of walking on travels. you've got to tell us your story. what happened to you? you weren't able to sit with your four-year-old? >> no, and actually not the first time it's happened. about two weeks ago we were flying down to the dominican republic, and i was checking in online and i noticed i was seated away from my four-year-old son, i had to call the airline and let them know, hey, i need to sit with my kid, and i was told by the reservation agent they couldn't do anything over the phone and i'd have to check with a gate agent. go right ahead, karen. >> but anyone who has flown

knows once you get to the gate it's chaos, you can't always count on somebody to seat you with your child. so luckily for us, you know, i was able to call back several times and get it resolved, but one thing that the first person told me is the only thing left was the choice seat. and if i was willing to pay 60 or $70 for an aisle seat next to my son i could automatically be seated next to him and i wouldn't have to worry at the gate. gerri: you just paid more to the airline industry and they'll let you sit with your four-year-old? this is crazy. george, i understand it is becoming more and more difficult to get assigned seats that you want, to keep the family together when you're traveling on summer vacation for goodness sakes, what's behind this trend? >> partly because the airlines want to sell seats to best customers to people who are willing to pay for a better seat at the front of the plane and hold back seats even if

they're not full. they'll hold back the cheap seats. the one you don't have to pay extra for until just before boarding or a few days before boarding. gerri: crazy, let's look at the fees they're asking to pay to select seats. spirit a dollar to 50 bucks. air canada 18 to 31 bucks, take a look at that. karen. how do you prepare for this? what can you do as a mom who's absolutely got to sit with a four-year-old. no question about it? >> no question about it, i'm sitting with my child even if i have to sit on somebody else's lap. basically you want to call the airline. you want to continue to call until you get someone understand thats the situation. you also have to be prepared to sit at the back of the plane. a lot of the times airlines are going to hold the last row for the situation like not being able to sit with your child, and then, you know, really

press them that you don't want to wait until you get to the gate, sometimes you get to the gate, the agent can't do anything and you get to the flight attendant and you delay flights while you play the ping-pong game to get with your own kid. gerri: let's take a look at the airline fees, and the trend in airline fees, 10.3 billion in 2008. guess what they were just last year? 31.5 billion. glad to know that forcing me to pay extra to sit with my child is making you make your earnings numbers each and every quarter. george, let's talk about what can you do to plan ahead and get what you need? families need to be together when flying. what's your advice to people who do want to sit together? >> well, as karen says, you need to call the airline and make sure that you are sitting together, and it's not just really children too, it's also elderly people, if somebody has alzheimer's or another need, you want to sit next to a child

-- a child wants to sit next to elderly parent. i don't think the airline should be able to do this. i think we need a d.o.t. regulation, a lot of the viewers don't want any more regulation. right? some airlines are taking care of this themselves. british airways, for example, has a policy that five days before you fly, if you are traveling with a child of a certain age, they will put you together with your child. they will assign you seats for free. gerri: i like that. that's good stuff. is there anybody beside british air doing it? >> also their competitor virgin atlantic, and i think we'll see other european airlines do this. gerri: maybe somebody will get the message that's what we need. a couple of other tips if you're trying to be seated together as a family, call the airline rather than booking online, and some people do this. they take starbucks coupons, maybe a little chocolate bar,

bribe somebody to move their seat if they want to sit next to their child. it's a possibility. thanks, george and karen. great stuff. appreciate your time. now we want to know what you think? here's our question tonight. are airlines waging a war on kids? log onto gerriwillis.com, i'll share the results at the end of the show. televisions have come a long way since your grandmother's zenith color console. now so many choices, how do you decide what to buy and how much to spend? we turn to good friends at good housekeeping research institute. listen to this. >> you can use your voice to search for things or motion. gerri: they used to call television the boob tube, now smart tv's are taking over the marketplace. what is a smart tv? >> preloaded with apps, it will let you go to the app store and get additional ones, they offer

full internet browsing capabilities, sometimes apps like netflix or youtube, it depends what you want. >> reporter: rachel rothman is the technical engineer of the good housekeeping institute. tell me the price i'm look at for a smart tv? >> 500 to $2300, it depends upon the size, the quality. a lot of factors go into it. >> reporter: if you're like me and get frustrated by remote controls that are more complicated than a nuclear reactor, take heart, we're not alone. >> i understand that you had to call one of the manufacturers yourself. >> i did. will go nameless, there was definitely a remote control i couldn't figure out. >> and you're an engineer. that's ridiculous. >> you need an engineering degree, and even so you may not operate any of these. >> reporter: many have an integrated camera so can you skype with relatives during the holidays, it may feel like you can pass the cranberry sauce.

if you're concerned about someone hacking into the camera in bedroom or living room, many can point away from you when not in use. >> we were able to do skype to skype living room to living room. it was like she was there with us. >> reporter: merry christmas, gordon. i love, and do you this in your house. live 3-d. it is a little like, not right after dinner, but you know. >> reporter: some have a motion detector to turn themselves off if you leave the room and forget. >> some of these have built-in motion detection which is great for energy saving. if you're not moving at all, it will figure that someone is not in the room and turn off automatically. >> reporter: and then i have to figure out how to turn it back on. >> exactly. >> reporter: speaking of features, rachel says beware of defeaturing, that's how stores

sell the seemingly same set for much less. >> at costco or best buy they may offer lower price points. they're defeaturing it. >> reporter: what does that mean? >> you might have less hdmi ports, slower processor, it's important that you go into the store and check it out. and we recommend that when you go in, ask the salesperson if they're willing to change the settings on it. you want a natural setting. in the store they hype it up. they have the brightness all the way up. beautiful content so it looks great. and then you may be surprised when you get home it doesn't look quite as wonderful. >> reporter: rachel says black friday and the rest of the holidays are a good time to buy a new tv because retailers are trying to get the old sets out of the store to make room for new models. rachel says people are upgrading television sets as often as smartphone. she says the rapid turnover is one of the reasons she doesn't recommend buying an extended

warranty. you are better off spending the money on a nicer tv. and a business alert for you now. a terrible day in the markets. take a look at those numbers. with stocks closing at lowest point in three months resulting in the dow erasing all of 2014 gains. fox business's nicole petallides on the floor all day long and joins us live. what happened? >> incredible day on wall street. i don't think the traders expected this kind of move. while they enjoy some of the action being able to buy and sell and mostly sell in this case, this was the day we saw selling upon selling. they sold everything, gerri, it was every sector across the board. the dow dropped over 300 points, negative territory now for 2014. so for the 401(k)s and ira's today, you saw the selling upon selling. you have the russia story, that will continue. israel-gaza. we have argentina default on debt for the second time in 13

years. those are the types of things that weighed on the market. you had a chicago number, purchasing manager's number there, just to give you an idea here of the big loser, groupon down 40%. coach and whole foods market on the s&p 500, those were down over 30% for the year 2014, and boeing and ge are two big losers in the dow jones industrial average. but i think when i talk to the traders, gerri, they're looking right to the fed. and some cases while we've gotten mixed economic reports, the gdp that came in, it was good, surprisingly good and they begin to wonder, is the fed behind the curve? are they going to raise interest rates sooner than everybody expect. we have the vix, the fear index, the volatility index was jumping today. stocks sold off in a big way, you never know which way the markets go. and some people are taking profits off the table. i know you made money over the

last year for example, people are moving to cash and waiting to see, maybe they don't think. a lot of the people i talked to say maybe it's not quite yet the time to say i'm buying the dip, the dip may dip a little more. gerri: nicole, great stuff. you hit the nail on the head when everybody is watching the fed. all the news is viewed with an eye with the fed acist. thank you so much. >> thank you so much. and watch for the jobs report, that will be key, the jobs numbers. gerri: absolutely. thanks again. and still a lot more to come this hour, including your voice. your voice is important to us, that's why during the show we want you to facebook me or tweet me at gerri willis fbn, and at the bottom of the hour i'll read tweets and e-mails. and consumers have to pay more for everything these days, but will that include your contact lenses? why seeing clearly could mean big bucks? coming up. she's still the one for you.

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contacts will no longer offer discounts, rebates or price matching on popular brands of contact lenses. a new policy known as unilateral pricing is implemented by contact lens manufacturers, this regulates the lowest price we can sell prices for. interesting right? you may have gotten it yourself. are consumers about to lose ability to shop for the best price for contacts? here to weigh in, george slowver and dr. david cockrell, an optometrist, great to have you here, dr. david, start with you, what is unilateral pricing, and you believe it's a good thing, why? >> unilateral pricing is a policy that's being instituted by certain contact lens companies. just establishes a minimum that the lens in question can be sold for. in terms of do i think it's a

good thing? it's going benefit the majority of consumers. right now in the contact lens industry, a patient should be able to buy contact lenses from any vendor they choose to, whether it's a doc or mail order or mass merchandiser, you may x-dollars for the number of contacts and you get a rebate and send the rebate in and redeem the rebate, and at the end of the day dollar costs will be lower. what hl happens is we know the great majority of rebates are never redeemed. you pay a higher price hoping to get a lower price, if you don't turn in the rebate, you don't get it. gerri: let's let george get in here. what do you think of the unilateral pricing policy? >> it's going mean an end to discounts for the consumers for whom cost is the most important thing. they want to be able to shop

for the best deal they can get. they're not going to be able to do that anymore. gerri: so full stop, dr. david. george is saying that in reality the impact is consumers lose ground. he disagrees with you. let me tell you how many people should this affects. 35 million of us wear contacts and are buying contact lenses, i'm not sure i understand your argument. in what way are consumers harmed right now? >> you're asking me? gerri: dr. david. >> i didn't say consumers are harmed. what i said was the reality is that the majority of people don't actually redeem those rebates. therefore, they wind up paying a higher price. as i understand it from the manufacturers' point of view, they factored in the rebates into the cost of the minimum pricing policy. if that's in fact correct, it will lower the overall costs for everyone. gerri: george, do you believe that? >> well, it could lower the price for people who get their

contact lenses from their eye doctor and just accept whatever price is offered and for those eye doctors who charge the higher price, perhaps this will have adjustment that will help them. what it's going to cut off is for the consumers who are looking for a good price, who go to a discounter. those discounters no longer offer discounts. if the manufacturer wanted to lower prices, they could set a maximum price and allow discounting to continue beyond that. but what they're doing here is setting a floor and allowing the retailers to price above that, if they want. gerri: here's my question. any time anybody starts talking about fixing prices, that's something that makes me nervous, and it's not something i think most consumers like to see. dr. david, one more shot at this. why should i be in favor of the industry, the industry setting prices and keeping product from online vendors who want to

discount it? >> here's my best answer, the optometrists, our role is to provide health care for that patient, regardless where you buy the lenses. our goal is we don't have a position that says it's good or bad. our goal is to make certain we fit you with the lens that works the best. as i understand it. gerri: why does it matter who sells it? you do that anyway, right? you're going fit me for my contacts, anyway. >> right. it doesn't matter to me who sells it. makes no difference at all. consumers have the opportunity to buy the lenses any place they want to. gerri: and preferably the cheapest. that's what i think. great to talk to both of you and hear your points of view. later in the show, our money coach is answering questions. and a consumer alert, a series of new scams that could be targeting you with crooks

claiming to be from the government. what to look out for? coming up after the break. you're driving along,

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listen to this. >> she said you've been selected, she said to receive a grant of $6700. do you not have to pay it back, ever, and she said are you interested in proceeding? gerri: that was ellen raider, a crossing guard in kentucky, and she said the person who called her said they were from the government. it turns out the caller had her social security number and asked her to pay a tax before receiving a grant. how common is this one, john? >> you know it's getting more common. what we're learning is that the thieves are doing their homework, they're getting more specific with their requests, using information that was maybe stolen at the target breach or another data breach like a social security number and calling and, of course, we trust them more when they have something like our social, but frankly when they say something like you're getting free money, you never have to pay it back, your alerts have to go

immediately because there is something wrong. gerri: absolutely something wrong. of course, you and i talked to folks who received calls from the irs and demand money and the irs never calls you. the ftc says people are calling about phantom payday loans that are owed. how do you know when that's a scam and what do you do? >> in general, if you haven't taken out a payday loan, you know that you don't have it. what happens is people play on our fear and they're using a government, you know, the government name because we all kind of fear getting the letter or the call or the fax from the government. if you're hearing that, you know, you owe something that you don't owe, that's where you stop right there. i stay start skeptical. you start skeptical. you don't immediately believe everything and go off and verify with that actual company whether or not there is something legitimate to the

claim. gerri: one of my favorites here, and i would fall for this, the e-zpass scam. they make you think that you have unpaid tolls and believe me, if you commute ever, you think you've not paid some toll somewhere. >> this one is ingenious, it's plausible, right? we've all driven through the toll booth and wondered if things went right. we know they're getting somebody who they're not going to think twice about the fee. they pay it off, and it's a hard one, but general that's an e-mail scam, and if you hover over the link that says here's where you pay for ez pay and hover over it, you're on a server in russia. it has nothing to do with ez pay, pretty easy to pick up. >> another one i want you to tell me about, aimed at small business, it's a yellow pages scam. basically they say hey, gerri, you took that out from us and we need 600 bucks pronto.

what? >> the small business stuff is interesting. here you don't have, you have people that aren't talking to each other. somebody else might have taken out that ad. if you don't know anything about the ad, you have to do the research, we call it verifying. you ask for a number where, can i call back? you call it back, you research it, you make sure it's a legitimate organization, and then you talk to them, but prior to that, you don't give any information, you don't ever give money away. gerri: one of the sneaky things they play is an audio recording, sounds like somebody in the company agreeing to do the yellow pages ad, how sneaky is that? >> yeah, sneaky, very good with, okay, here are the common concerns, the questions they ask. so i'm going play this file that makes you trust me more, and again, that doesn't mean that you don't have the right to take control of the phone call to say give me a number to call you back, we'll have our fraud department get touch.

usually when they hear fraud department, they hang up and it's all over. gerri: fraud department. thanks for coming on. great job. >> always a pleasure, thanks. help finding a small car that's safe to drive. and helping one of our viewers with our money coach. he's here with questions to your questions what you should be saving to get out of debt. stay with us.

gerri: au series that i'm excited about called the money coach. if you have financial question, we are pairing you up with one of our expert advisors to help you out personally. joining me today is saul simon who is offering advice and

asking for help. kathy, please join us and thank you for being here. thank you for being here to share your story because we were talking about how you have been so persistent in your method in your way of looking for a job and i know you've had a tough two years. tell us what is happening during the two years and how you have been able to get your savings going. >> the 10th year i was teaching. gerri: you were a teacher for some time. that is right. and he fell onto hard times over the last two years and been employed all your life as far as i could tell. i went back to education and

that helped a lot because it gave me a secure job and they took advantage of not thinking about the future. and so with only 15 years it when to more recent times. gerri: in the last few years you've struggled have a full-time job and he finally got one nail down for next month. >> yes, i do. and i want to thank you for teaching writing to middle school students. and so i'm so excited. gerri: said you wanted rice come and now you're facing retirement, it's coming up soon and you're behind the eight ball here. so my understanding is you want

to know what to do and how to save and where to save. >> my question is since we own a home i want to take apart some of my new paychecks that i will be was evening starting in september. so when that paycheck comes out i want to make sure that i am doing something that can be fluid or something i can get to encase we need a new refrigerator or whether there is an emergency and i've not been able to help out my husband and the rest of my family for the last almost two years because i haven't had the money to help. gerri: we have some great ideas and let's get to them. >> iconology you were wanting to put away some money is and having an emergency fund should the water heater break or have a problem. so i believe that a priority and i really suggest that you also

pay yourself first is like uk electricity. be diligent and systematic in saving those dollars and you really want to put together a budget and also a financial guidance so that you yourself know how much money you are working with on a weekly or monthly basis so that you can make those decisions to determine if you really want to spend this money or al qaeda toward your future. so as a new teacher and the new school system, you will have the ability to save money that the school system offers and so you want to find out what available choices you actually have and put yourself on the payroll and start contributing as much as you can. >> i do that the last two years in wichita. i took out $500 per month and i

didn't even notice it was there. >> congratulations. >> i would suggest the emergency fund as we start to age we have this home and you want to actually talk to your husband as windows pc retirement happening. so do your situation >> reducing costs and expenses planning for your future, making sure that your health care as part of this. gerri: up a lot to chew on. we really appreciate your help. thank you for the advice. if you want help from our money coach, send us your money

problems and we will try to get you on the air. we want to hear from you and thank you so much. this our we've been talking about another way that airlines are nickel and timing us on the charging parents extra money to be able to sit with kids. my followers said kid sitting without parents equals war on other passengers. very cute. and steve says that it should be discounting appearance have to after sit with their kids and another mary many parents would enjoy a few hours of quiet. and patricia says is a frequent flyer is stupid to make a family paid to sit together. if you want a 2-year-old sitting away from its mother, you must be insane. and serena agrees that this is terrible. parents should not have to pay extra for this. and when we come back, despite record low unemployment rates,

one group is still struggling to find work and next we answer the question how do you do that? the car coach helps us find the safest small car for you and here's your consumer data with the numbers that you need to know. i love to eat. i love hanging out with my friends.

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>> smokers have big benefits when it comes to gas and mileage and parking. the downside could be deadly. so how do you buy a car that is easy on the wallet but still save? joining us now is the car coach. and so we had these new reviews of small cars and the performance is terrible. >> that's right, the offset crash test rating, it is not that uncommon. it's something that can happen.

but the key is that you want to get all that safety stuff going. >> they did the best they could and they got a good rating. the chevy volt did well only when you got the collision warning set up. otherwise the regular base model didn't have it. >> straight head-on, this isn't something that manufacturers have been preparing for for a long time. so it means that some of the things need to be redone. >> you want to look at the crash test ratings not just from supercar.gov and also from ihs. and you can't add safety later.

>> so you buy these cars typically for young people and sometimes that happens? >> gas. >> thing that we have cross traffic alert, the frontal crash warning, all of those are important things to add and you can always replace cars and you cannot replace people. >> back to gm with all the because of that company has had. news that you're telling us for the first time that some rental car companies knew about the problems with the ignition switch way back when. so what happened to that information? >> there is lots of communication we have a problem with coal chevy cobalt cars and

finally the results were they had mixed results, where were those result? they were brought up in the congressional hearing. so i want to know, they are listing this and this is just breaking news a couple of hours ago. and i want to know about this because this is part of what gm needs to take care of. and tomorrow is a big day and we have to get going. gerri: we will have to follow up on this, a story that we're just getting our arms on tonight. showtime if you are submitting an application, tomorrow is your day. thank you so much. >> thank you. gerri: still to come, what it means for you and your bottom

line and teenagers spending more time at the beach this summer. because it is the worst summer for jobs and warriors. we will have the latest after this.

gerri: if you notice more teenagers just hanging around this summer, unemployment levels have record highs. cheryl casone is that one of the most popular beaches to figure out why. >> hello. what we have seen with teenage unemployment, we keep seeing the jobless rate going on down.

but for american teenagers it's a different story. this is the summer job for this individual, many teens don't have summer jobs. a lot of employers are saying that older workers are coming in and also as you can see here many of their friends looked for some work and they gave up. and that is almost 40% right now and that is a very low level for what we normally see even postrecession. i have to tell you that many of them say they feel very lucky to have a summer job we follow these kids around and so are you

enjoying your summer here? >> yes, i am. it wasn't too bad. >> are your friends getting jobs? >> half-and-half. >> there you go. and the other question is why is this happening and there are so many reasons from these kids 12% lower for jobs this year. >> it's great to see you. gerri: onto the market. small investors have a lot on their plate from the latest policy meeting and fresh economic data to the drastic down day on the markets. thank you for coming on the show because it's so good to see you. so i just have to start with the markets today because it was so dramatic with triple digit drops

in declines plummeting and people talking about that. >> we are not so much worried about what happened today, but we really do see a general trend since the beginning of the year with gdp growth since the first quarter. the quarter is taking off with positive numbers and overall we are looking for sustainability into the economy with better jobs and gdp and overall growth and reinvestment in the economy and i think ultimately that is the best set of results in the market. >> a lot of folks saying what is the federal reserve going to do come out what you see happening

and what is going to be the impact on consumers? >> i think that the general picture is the fed has taken the position that the kiwi has a bounce worthier and we have a more hawkish position we have seen over the last four years but interest rates will remain low for a good number of months and i do think about bodes well for the continuing recovery with consumers and small businesses that are looking to borrow money. >> i was talking about higher interest rate and the financial times reporting the bank deposit made a decline. so what is the impact and what do you do to combat what could be a lot of capital? >> i think it's something that

we all have to face as an industry and we have had a terrific ability and we think we will continue to grow in the market share of the short-term. but i do think that as the economy improves, interest rates start to go up and it is a sign that the economy is healing. >> even if people pull cash out, you find other ways to make money. >> one of the big questions earlier today was argentina. this country thinks that it falls on its sword every couple of years and goes into default and affects the markets more probably. is that something that the consumers need to be aware of? >> not today, but it is something to watch for in general and i do think that the

word has been that if this can be resolved in a reasonably short. lack of time, it can be contained. and the exposure is minimal. but hopefully this thing gets resolved. >> is a pleasure to have you here. we thank you so much. we will be right back with my two sons one answer to the question of the day, our airlines waging war on our kids

we never thought we'd be farming wind out here. it's not just building jobs here, it's helping our community. siemens location here has just received a major order of wind turbines. it puts a huge smile on my face. cause i'm like, 'this is what we do.' the fact that iowa is leading the way in wind energy, i'm so proud, like, it's just amazing.

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gerri: earlier this hour we told you how some will make you pay more for the privilege of sitting with your children. so our airlines waging war on kids? we asked the question on gerriwillis.com and 34% said yes and 66% said no. gerri willis are online question every weekday.

and finally tonight, today's big-time market selloff, 317 points on the dow jones was bad news for anyone with a 401k and my suspicion is that maybe it really isn't about corporate earnings as some have been saying and i believe the markets didn't like what they heard about the jobs market that it was lower than expected. anything that would stop them from keeping rates low and helping the economy with liquidity, that would be a bad thing. and in the meantime, they are messing with our retirement, wall street should support a vital american economy led by business and not by relying on the federal reserve to keep a punch bowl at the table. that's my "two cents more." that's it for tonight's "willis report." thank you for joining us and don't forget to dvr the show. have a great night because charles payne is coming up next.

♪ ♪ charles: "making money", today we cover wall street pharaohs. looting businesses and the power of activism. i'm going to ask the hedge fund guys what is the best idea. new research test has been a great thing for the american job market. and maybe there are some limits charging people to spend their