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. . gerri: hello, everybody. i'm gerri willis. welcome to "the willis report." menopause, is an important health issue for women. but do men suffer a similar condition? we'll take a look at manopause. also execs are saying ignorance is bliss when it comes to data breaches, do consumers have the right to know? and the best party school has been named for 2014. find out who made this and other rankings of the best colleges. "the willis report" where consumers are our business, starts right now. okay, if you're a guy and you're old enough to remember when cell phones were big and your waistline was small, you are the target audience for the

testosterone replacement industry. commercial seemingly promise a big drink from the pharmaceutical fountain of youth. >> my mantra? always go the extra mile to treat my low testosterone, diresearch, my doctor and i went with axiron. gerri: are men putting health at risk by dosing instead of dieting? we have two experts in that field with me right now. mike owns a chain of low-t centers and dr. david is a urologist and a member of the fox news medical a-team. welcome to you both. >> thank you. gerri: mike, i want to hear about your centers, how many of the clinic do you own and why are men comes to you? >> we have 50 of the centers nationwide. the reason men are coming to us, they're looking for help. guys, our parents went quietly into the night. and today guys don't want to do that, so you come into my center, we run labs on you. i have over three million data

points about our patient. you hear a lot of negative things about testosterone, you need to come to a center like mine, we do it right. gerri: you say you do it right. why do you think your centers are so successful specifically? >> our patients trust the medicine. every one of our centers have a medical professional inside the centers. we do blood work inhouse, we do injections inhouse. we never sent scripps home with guys. we don't sell weight plans. we do testosterone. if a patient has an underlying medical condition. we send them to a specialist, like the doctor you have on. gerri: we were seeing pictures of clinics, they are like man caves. it's a place where men are supposed to feel special and comfortable. doctor, to you, are these drugs safe? >> we're learning more and more that there are a lot of side effects and issues with this testosterone. if you looked at market,

they've been increasing astronomically, and part of it is because the whole male menopause is a gradual process. with women you have a sharp menopause, they know when it happens, the hot flashes, symptoms come. in with men it's a gradual process, you lose testosterone, 1% every year. by the time you get on 50s, you start feeling lousy, tired, gaining weight, sex drive goes down and unfortunately, a lot of the testosterone are used off label. indication for using testosterone is for people who really have a production problem with testosterone. if testicles are not working, adrenal is not producing. gerri: are you saying the drugs are misused by people? >> used for things that are not indicated. used for being tired. for example, if you're obese, if you ha if you have thyroid issues, if you are stressed, you have

testosterone issues. instead of working out, losing the weight. we're getting testosterone, and going back to the question, they're not as safe as people make it sound. gerri: let's give mike a chance to weigh in here. you're not a doctor, but spend a lot of time thinking about, this studying this, you see people every day in the clinics coming in. do you think there's a danger here, a risk here? >> i think there's a real risk if people don't do this correctly. as i told you, guys come into the center, we run labs before they get testosterone. there's a ton of primary care doctors gives guys testosterone based on symptoms and not running labs on them. the doctor is absolutely correct. if this goes unmanaged, which is why our centers are so successful, there is a risk here. gerri: by the way, we're seeing a picture of one of your clinics right here. they're very attractive. i have to ask the question. the fda is even saying that they haven't made up their minds on the drugs, they're not

sure about the drugs. they might be indicated in heart attack and stroke. i'm sure the guys walking into your clinics are asking about this. what are they told? >> they're absolutely asking these questions, that's what we tell our guys. you need to do your homework. half the guys that come into our center we don't treat. they do not have low testosterone like the doctor talked about. gerri: you turn them away? >> absolutely. we send them out to a specialist. like the doctor, the urologist that you have on the panel there. we'll send them to an endocrinologist or wherever this guy might have a problem. gerri: doctor, i look at this, it's interesting because there is so much about hormone replacement therapy on the women's side and questions about whether it's safe or not and now questions about this. what do you think are the biggest risks? >> point is well taken. it's risky business. we have to make sure men are aware of the risks. risk of stroke, risk of heart

attack, it's almost double. more and more researchers coming in. bad news is fda is going to look into this to talk about a panel and talk about blood clots. these are not just a quick fix. i want you to be aware, my field is about prostate cancer and prostate health. when you get a lot of the testosterone, you have to know about the size of the prostate. are they examining the patients? looking at prostate. if you have enlarged prostate or potential for prostate cancer. this is the bladder, and this is the prostate right here. so if you have any family history of prostate cancer, elevated psa, the problem i have with the blood tests is they don't know the history of the psa beforehand. gerri: no context for the number. >> right. looking at a patient in a vacuum and may have a low psa but don't have the history and that's dangerous. gerri: let's let mike respond to that. do you have an answer to that? >> absolutely. doctor is 100% correct.

when a guy comes in, we get the baseline psa, if it is out of line, we send him to a urologist. we had over a thousand guys come in who it elevated psa. four or 500 had prostate cancer had they not had known about had they not come to the low t center. we check the baselines, and we send them to doctors like have you there. gerri: mike, this started with your own case, right? >> absolutely. gerri: you went to a doctor. he wanted you to take zoloft. you said i don't want that. tell me what happened? >> as you can tell, i'm not an athlete. my only thing was my brain. my guys go to the medical community because that's what we were taught to do is seek help. and the medical community, they didn't have an answer. today there is an answer. there's thousands of positive cases of testosterone out there. if you look at our website, i have hundreds and hundreds of

testimonials of guys telling us how we changed their lives, saved lives, saved marriage. that is what happened to me. i was in troushlgs and, you know, i couldn't find anybody in dallas to help me, i developed relationships with doctors, and here we are today. gerri: tonight get the doctor to respond. do you have a lot of research at your fingertips. own experience, too. that hasn't been tested, right? you haven't had outsiders look at data. >> that's not true. >> no question that gives testosterone to men is going to make them feel better. the question is this a knee-jerk reaction or should we train our men to lose the weight. if you have body fat around your stomach, testosterone gets converted to estrogen and sex drive goes down, by losing weight testosterone will go up. if you're under stress and you take time off, take care of the depression. gerri: other solutions, too. >> absolutely. gerri: mike, i have to tell you, thanks for coming on and

telling us about your clinic. doctor, great information, appreciate both of you being here. >> thank you. >> thank you. gerri: important topic, that's for sure. another topic causing major debate is whether disclosing data breaches by retailers, you remember target? is it causing more harm than good? a group of executives telling the "wall street journal" they are rethinking the merits of going public with cyberattacks. with more on this jeffrey carr, the ceo of -- i'm afraid i won't pronounce this correctly. tia global. >> almost, close, tia global. gerri: joining me by skype. ceo's writing into the "wall street journal" saying data breaches, we shouldn't have to disclose that? do you agree? you served some of these people? >> right, well, yes, i don't know that it's exactly the same

folks that spoke with the "wall street journal," but absolutely consulted with many executives. none of them like to do this. on certain breaches, they are required to do it. if it affects your personal information, credit card or banking information or your health information. they have no choice. if, on the other hand, if it does not, then it's voluntary. gerri: wait, wait, wait, wait, before you go on here, there are laws in almost 47 states that require some of the data breaches to be disclosed. i don't know what the hurtle is. i don't know what level they have to decide to make it public. but from my point of view as a consumer, look, i want to know. do you agree? >> i think they should be disclosed. but to clarify, the laws have to do with financial information as a consumer, credit card information, bank information, and your health care information. that's what's required.

however, if a company like -- let's say the "new york times" was breached, had a breach and they reported it, but didn't lose anything. they just had attackers inside the their networks, so for an executive. if we haven't lost anything that requires us to report this, what's going to happen if we make the report? is there more harm than good? i believe they should make it a report. if tr valuable data or if it's going to effect business, if it's going to affect customers, if it's going to affect stock price? absolutely, report it. if they were notified they have bad guys inside the network but haven't lost anything then no, don't report back. gerri: you got to be kidding me? wait, wait, before you go further. you're saying in some cases they shouldn't have to report, and the reason is that i haven't lost any financial data, but doesn't that tell you

something about the security of their network? that maybe it's porous, easy to break into. as a consumer, i'd like to know that. >> well, as a consumer, you should know that every company has been breached. there is no company, especially no company in the fortune 1,000 that has not been breached. gerri: i hear you. i just hear a lot of ceo's saying we don't want to share the information, and puts me on high alert, i'll tell you. because i think regular consumers think they are due this information. if you are relying on my goodwill as a consumer to do business with your company, you need to be up-front with me. that's what i think, jeffrey. i know you serve these people, you're in a tricky position. thanks for coming on the show and thanks for being available by skype. appreciate it. >> my pleasure. gerri: we've got more to come this hour, including your voice. your voice is important us to, we want you to facebook me or

tweet me at gerri willis fbn. at the bottom of the hour i'll read tweets and e-mails and share what you're thinking. another warning about prepaid debit cards as a new scam has the attention of government and security official alike. what to look out for? after the break.

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. gerri: prepaid card scams are becoming more popular with fraudsters. one card scam is causing high alarm among government officials and authorities. criminals are using money pack cards. money pack cards. to lure thousands of consumers to send them money. here with what you need to know, the president of consumer education. john, great to have you. tell us about the scam. how does it work? how are people getting ripped off? >> essentially, this is a fraud wrapped around a prepaid debit card where i am trying to convince other people to send me money, and what i'm asking them to do instead of sending cash or a credit card payment, i'm asking them to go to one of the 80 some odd thousand retailers that celt prepaid debit cards, load the money and give me the 14 digit code off

of the back which i can use to download the money from that card to another prepaid debit card. i'm putting degrees of separation between myself and the victim and it's very hard to trace the money and, of course, i'm not providing any service or product back to the person who send me the money? gerri: money pack comes from green dot. it's only $30 million out of about $10 billion that people load onto the cards. not a big deal. not a lot of money. what do you say, john? >> it's not a lot of money unless you are the one defrauded. if someone rips me off ten bucks, i'm ticked off. i'm not sure 30 million is a lot in the grand scheme of things, if they take a dollar out of my pocket, i'm upset about that. gerri: interesting how the debit cards are used and abused. we've been critical of the whole industry mainly because fees are so high. and now used at the margins,

being abused. at the margins of the financial system. this stuff going on, you know, it's like digital currencies, it's concerning, and i wonder the degree to which regulators are paying much attention at all? >> and regulators don't pay a ton of attention for the low-level types of fraud unless it involves big bucks. they're not going to generate man power to enforce these guys. it's not an underground form of payment but so close to it. it's so difficult to trace payments from one individual to another when they're using a prepaid debit card. think about when you go to the mall and buy a gift card, they have no idea if you walk out of store. gerri: they are used for money laundering a lot now. frightening how much that is happening. the folks at green dot say they

are retiring that 15 digit money pack number they've been using, is this an improvement. how will it change what's going on? >> that will definitely solve the fraudulent use of that particular product, but gerri this is like whack-a-mole, you knock one down and another popped. you there are a ton of prepaid debit cards that you can purchase. give the cashier a couple hundred bucks, maybe mow, you get a card with the number on it and boom, they re-create the card and transfer the money to another prepaid card and go use the money somewhere else. so yes that will solve the problem for that particular product, but it definitely doesn't solve the problem in entirety. gerri: easy enough to avoid the scam, somebody asked to you use your green dot card. here's how it happens. the city calls you and says you are late with utility bill or real estate taxes, why don't you use the green dot card. you might be compelled to say yes because you think you owe the government money.

not so, right? >> yeah, and here's another way. how about i call you and say you owe me 500 bucks, if you send payment on green dot card, you only owe 400 bucks. it's an incentive. no one would say that sounds like a great idea. if i can save a few bucks, i may be willing to do it. gerri: don't do it. john, great message, thanks for coming on. >> good to be here. gerri: later in the show, we show you one of my new favorite things. it's very exciting. and the princeton review out with annual rankings of colleges, from the best financial aid to the best party school. see if your school makes the grade? coming up. i'm m-a-r-y and i have copd.

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if we can't offer faster speeds - or save you money - we'll give you $150. comcast business. built for business. . gerri: rankings are in. the princeton review unveiling highly anticipated list of the best colleges in america based on, well, a variety of categories. rob is the senior vice president of publishing at the princeton review, author of the best 379 colleges and joins us with top pick. i bet you could sell those for a tidy sum if you got them out early. >> you are probably right. the book just came out this morning. i love that so many students depend on this. gerri: they're the ones who vote and make the rankings, tell us how it works. >> between this book and every other college guidebook, we base all of the rankings, on 130,000 current college students and the opinion they

give us. academics, career services, financial aid and so on. gerri: let's get down to results. best financial aid which i assume means most financial aid. >> in this case for pomona, sticker price, $61,000 for freshman granted. bringing pomona sticker price to $17,000 and we talked about this in the past. that's less than one year of public university. gerri: that's darn good. number two is swartzmoore. >> well deserved. $60,000 sticker price. on average $39,000. gerri: best run college. how do they base this? >> based on students and feedback on the administration. it's 5500 kids in north carolina, awesome little school. >> the great state of north carolina. >> and their president, neil

lambert, a wonderful guy, he opens up his house to students during the holiday time. they have holiday pictures and he sends them home to family members for christmas. gerri: that's very personal, very, very personal. best career services, and this is important category because so difficult to get a job, career services matter. >> absolutely. we started this list because a dad and his son gave us the idea. and said can you speak to jobs after graduation and debt. we'll do the career services ranking, northeastern university, been on the list four other times, in the number one spot. cooperative experience at northeastern. five years in the classroom, one year in an internship co-op program. gerri: best campus food? >> virginia tech. gerri: give me an example. >> they have a chocolate day on campus, where every student can get prime rib, a chocolate milk shake and make chocolate truffles along with services at

virginia tech. it served 7.1 million meals. gerri: i would gain a lot of weight there. best athletics facilities? . >> university of illinois. they have four different gyms on campus, fitness center, aquatics center, they're a huge hockey school. a great space. gerri: best health services? >> penn state, been on the list before. and the idea of educating the entire student. not only in academics but health and physically. gerri: as well. we talked about the money magazine list that started with babson colleges, the idea here was what schools give the best return on investment. what did you think of that list? >> i thought it was a good effort and certainly applaud the idea of more information. we've been doing the list of best value on colleges. i like the idea of return on education. let's get the view. not only what you are doing in school, are you getting jobs?

graduating, saddled with debt or not? gerri: of course, the always popular top party schools as chosen by the kids, okay? >> number one is syracuse university. and again, deservedly so. we are asking students to rate consumption of hard alcohol, drugs on campus, study spent outside the classroom and popularity of fraternities and sororities. gerri: moms and dads, don't send your kids to syracuse? >> oh, no. gerri: if you are rating on alcohol and drug consumption, that is not the place to send them. >> we're writing about the top 15% of schools in the country. gerri: they've already made a cut. >> absolutely. there is an active social scene at syracuse and iowa and illinois. gerri: rob, thanks for coming in. always good to be here. >> good to be here. gerri: we want to know what you

think. here's our question, which factor is important in picking college? financial aid, education, sports, partying or food? i pick food. log onto gerriwillis.com, i'll share the results at the end of tonight's show. coming up, are parents saving for the wrong things? next head to the plaza with a at the hottest new trends for home. check it out. outdoor kitchens. i can't wait. (vo) rush hour around here starts at 6:30 a.m. - on the nose. but for me, it starts with the opening bell. and the rush i get, lasts way more than an hour. (announcer) at scottrade, we share your passion for trading. that's why we've built powerful technology to alert you to your next opportunity.

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gerri: i have been looking forward to this segment all week for you, me or anyone who loves to entertain and grill in your backyard, an outdoor kitchen may

be the best option for you, here with us now, the host of hgtv's kitchen cousins, anthony. great to have you here. >> great to be here. >> let's talk about adding value to the home. that is important. >> you think about indoor kitchen, that is the single greatest equity you can add to a home, indoor, and outdoor, you look at the same value proposition there but it is outside. making your indoor home larger by attending it to out doors. gerri: now, you will take us on a tour of this beautiful outdoor kitchen. >> first, all products here, i am using in my own outdoor kitchen, i am building my home right now in jersey city, new

jersey this is going on a rooftop. counter tops. they in or out? this is a brand-new product, deck to know. -- dekton, it is so dense, no water, it is uv protect stphaod do you have thaveed.gerri: do you have to cr this. >> no, it an it can deal with te frost and snow cycle. this is durin. this, custom, indoor kitchen, built for the outdoors it is no maintenance. gerri: i love this. >> have you your garbage pulls, have you all convenience, and all of th the accessible of the

kitchen but weather proof. gerri: my favorite part. >> the guys at coyote do not mesa, round, have you 5 burners on this, $twis $250 accessory, s a grade el that fits on -- a griddle that fits on there. on top of that you have a smoker box, and a electrico it i a ele. you have led lights on these, that make grilling at night easy. >> i over in thought of that. >> hey do a whole line of appliances, your outdoor fridge. gerri: a couple of beers here.

>> why not. shrepbtevented through the front slides right in. every piece will fit together. gerri: this sink is cool. >> the sink and faucet are by colkole.you are grilling chicker hands are dirty, you wash up, have you nothing to worry about. gerri: no salmonella kree creeping all over. >> right. gerri: as you shop for this. this is $30 worth of products, you could do something smaller, mr. a must-have outdoor. >> you have to have a grill, otherwise you are not cooking, you can always grab a cooler put

your beers and beverages in it, to spend $2,000 on a grill, get it on a cart, nice thing about kecoyote it is come off the car, and slide into the cabinets as you have funds to do so. gerri: you said this is your kish en. how long is this -- kitchen how long is this? >> 10 foot long kitchen. it is like mine indoors but it is outdoors. gerri: because you are here. what is first thing you are making me i in your doo outdoor kitchen. >> my burgers, i can't wait to get them on the grill. gerri: anthony thank you. >> thank you. gerri: good luck. >> thank you. gerri: where are millennials putting their money. and more parents are skipping saveing for retirement to save

for college. is that a rise move? rad vice coming up.

gerri: as you heard on this show, saving for your retirement is not a choice, you have to do it. but a new study shows that parents are making college savings for their kids more of a priority, rick adelman is back with us, i am seeing numbers as much as half of parents skipping savings for retirement for the kid's education, what do you think of that? >> it is terrible. a terrible financial decision, i get it. i understand why parents feel an obligation to get their kids off on a right foot.

but not at expense of your own financial security, parents, have to understand. you can live in your house while you pay for it, payoff that mortgage for 30 years, you can drive your car while you pay off that loan, you could pay for college during your working career, but you cannot pay for retirement while you are in retirement. it must be prefunded. if this is a choice wea between saving for retirement or your kid's college, your retirement must testimony come first. gerri: listen to this, income $85,000 average annual income in this study, 64% had no child support, 41% have above financial planning knowledge. so they are smart cookies, and yet, all of them, putting the kids ahead of their own

retirement. >> they do it like i said out of a misguided parental obligation, they think back to their own parents, their parents helped pay for their college, they feel they need to do it for their kids, the economics of attending college have changed. your parents did not incur the incredible financial burden to send you to college that you are sending t to -- suffering to see your kids to college do, not place yourself at risk or you will be living with your children in your retire. gerri: we'll looking at $40,000, $30,000, ti typical when you pay for a 4 year education. so, i don't think we can get parents to go for, having kids pick up the entire tab, but could if you want a split decision, here, how do you fund both things? if you -- if you are mom and daw

do you cover both basis. >> participate to your retirement plan at work to the mack mac maximum, then okay, i'l say fine, i did verdict a little bit of money to a 529 plan, but make sure you are participateing in your retirement plan at work, mo matter what. gerri: rick, anything wrong with kids paying for their own college education? >> no, it is wonderful, they will val thank you more, there are creative ways to get a sledgcollege education, go to a community college, then strain for in once they -- transfer in after they get their associates, and then go t to finish at a 4 year school. you can go to starbucks, they will send you to college for free, there are a lot of

creative ways you where you can attend classes at little to no cost, kids need to get creative, we all want private education, we also want a rolls-royce and a mercedes. gerri: the world has changed in education, it is different. funding it yourself is out of the question, rick, thank you for your advice, we appreciate it. >> good to see you. gerri: and here are some of your e-mails outraged, over washington. more i hear about our government, it is proof positive that there needs to be repairs from the ground up, i would say far too many federal employees, including elected officials need to be changed. and in many cases jailed. and jack said, i hear people say that price of gas is in hands of those overseas, what a line of crap, there is only one reason why we're paying high prices, that is called epa.

andre from texas, if people believe the promises from this administration is going to be kept, they must also believe in lep -- >> still on come, millennials falling out of love with the hip ster movement. here is our consumer gauge with the numberers that were consumer needs to know, check them out. 6

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let's think smarter. let's get some science in here. let's build a bed. another bed? no, a smarter bed a entirely new sleep number bed that tracks your movement, your heartbeat, your breathing - sensors working directly with the dual air chambers - yeah you need the air chambers. introducing the sleep number bed now with sleepiq technology. it tracks your sleep patterns and tells you how to adjust for... a good night's sleep, a better night, and an awesome night. so what sleep number adjustments make the difference? try cranking it up? adjust it down? a little bubbly? or nix the late night flicks? wait, you'll know what works, cuz sleepiq™ technology tells you. and all you have to do is sleep. which is easy. only at a sleep number store, mattresses with sleepiq start at just $999.98 because everyone deserves a great night's sleep. know better sleep with sleep number. gerri: surprising city is attracting millennials, they are booming with millennials, they are not hip stir cities you

think of, not san francisco or new york city, we're breaking down hot spots if people under -- for people yo under 30. charlie kirk, welcome back, let's start with this list, it is fascinating, san antonio, riverside, san bernardino, orlando, miami, detroit, one by one. why san antonio? >> so you know san antonio is interesting a booming city overall, nationaly, last 2 to 4 years, millennials that can't find jobs whether in chicago, connecticut or they go to san antonio they are hiring never sector, san antonio saw a 9% increase in amount of millennials living there in last two years. gerri: and jobs, jobs. >> absolutely. gerri: critical, i see average monthry rent $800, to riverside,

california. san bernardino, you think san francisco, but not so? >> with california you get a mixed bag in san francisco they saw decrease in millennials there. but in riverside, there was an increase, a lot of different factors that region of california, has been doing better economically with more energy exploring there and more you know, economic productivity, but san francisco not so much, you would think that is a cool place for a young person to live, but not so much looking at san francisco versus riverside, 2 different economic climates. gerri: san francisco is too expensive. real estate there is -- is not much of it, you have to commute in, orlando, florida why in. >> so, florida, went back to san antonio thing, it is a broader public policy picture, orlando could and miami on that list. and san antonio, they are states with no income tax, if you are a

student, with student loan debt, and you don't have a state income tax that would be good, otherwise manhattan for example, there is a city tax, and all sorts of taxes. gerri: the taxs have taxes. >> yes, and florida there is no income tax, sales tax is reasonable for goods and services that makes sense this list, this an illustration of success of pro growth free market policies. gerri: i don't even think these kids are looking at that level of detail, i think they are looking for opportunity, can i afford to live there. >> they might look at you know causation of policies, jobs are there because of pro growth measures, maybe not thinking oh, well because of lower taxes i will move there. but the jobs dollar. gerri: miami, big diversifyed ed economy. but miami is an international city now. >> absolutely, miami is

practicaly -- traditionaly very expensive to live, in southern part, interesting iing in miamiy have had pockets of entrepreneurship. they have been giving them tax free grants to start their businesses. gerri: how is that going? >> really well. in new york they are going to places with pro growth measures and mayor's trying to attract business. gerri: and last city, detroit, shocker on this list. you think that detroit is having problems but no? >> detroit a mixed bag like california, if you are a young person and you look for cheap property, you could find it in detroit, but pro growth measure in michigan. gerri: a tough place even now. not recall that safe. >> no. gerri: a lot of issues ongoing, water issues, charlo than charl.

>> thank you. gerri: now, while some millennials make bad decision, so do some companies, with endorsement deals, in least new accusations of mistreatment of animals for example, southwest is ending its relationship with sea world, have you seen that that started way back in 1988, that included painting southwest planes with seaworld images all gone, and tonight's top 5, other endorsement deals gone bad, kate moss and chanel, and hskp-rbgs , hh, and m .number 4 4 o.j. simpd hertz mental cars, and michael vick and nike.

he pleaded guilty to dogfighting in '07. and number two, tiger woods and the consulting firm accenture . and number one endorsement deal gone bad is lance armstrong and nike. record breaking athlete, lost all of his tour de france titles and his endorsement deal z after admitting to dopeing in 2012, nike had no choice but it end their relationship. the ceo said after all just do it does not apply to dopeing. we'll be right back. stay with us. 9m

gerri: if you were with us

earlier you heard our discussion about the newest review of colleges. 19% said financial aid is important in picking a school, 76% said education, sports zero, partying 4%, who was that? food, 1%. interesting. making data breaches public is astonishing to me, idea that companies will decide on their own not to tell us when our personal data has been stolen from their web site, strikes me as wrong headed, the companies need our loyalty and trust, keeping our information. and impossible to keep it quiet, a blogger made the target data breach possible. that is not customer service, that is no way to run a company,

that is my two cents more, that is it for tonight's willis report, dvr the show, if you can't catch us live, have a great night. blooblood charles: tonight on "making money." an amazing speech by president obama you have to see to believe, our federal debt has same amount of all federal debt from 1 1776 to 2003. and more great economic data, but how does this make sense when things are not great? more to the disconnect of the stock market, economic data and main street struggles, big businesses are getting the breaks in part. because would be entrepreneurs are not stepping up to the gate. how a