what happens with walgreens tomorrow, maybe people will think it's cheap. the "the willis report" is next, nor evidence of out-of-control fees for the debit cards. gerri: that's right, when do you pay a 1700% effective interest rate? we'll tell you all about it. that's right. and also coming up today on the show, how safe is our food? new warnings over u.s. imports of chicken from china. also angie hicks from angie's list is here, talking about home warranties, do you need them? and if so what should you pay? from crossfit to tough mudder. american taking fitness to extremes. how much is too much? "the willis report" where consumers are our business, starts right now. a programming note here this hour, we're expecting to hear from the president as he wraps up a three-day u.s.-africa summit in washington. he's expected to talk at the end of the summit about

boosting americans' economic ties with africa. yesterday he announced $33 billion in economic development money headed to that continent. 14 billion from the private sector. waiting on the president, and there's going to be a news conference. he'll be taking questions from the press. could be anything we hear from the president. you'll want to stay tuned for that. after today's press conference, president pax up for a two-week long vacation getaway in martha's vineyard, obama is leaving behind a public that is none too happy. approval rating plummeting to all-time low as americans blame washington for a punk economy. plus a damning new report is out showing promise to be transparent, broken again! we're getting to outrage with rich lowry editor of the national review, and moody's economist john lonsky, economic

anxiety at a high john, why is that? >> not good jobs, very high unemployment rate given the july was the 61st month the current economic recovery. we just had a very severe recession, and when we previously had the old worst recession since the great depression in 1981, 1982, 61 months into the recovery, we had nearly 12 million more jobs than we did at the prior cycle. 61st month, guess how many more jobs we have? only 450,000. it's reagan, 12.2 million, obama, 450,000. gerri: the recovery is so punk, so disturbing. rich lowry, to you, how is it showing up among voters. what are people thinking as they consider the polls this fall? >> plays into a broad

discontent with washington in general and with the president in particular, and john is right, such a steep recession, and then had such a slow recovery. we're going to have to go at a really good clip to make up all the lost ground, and people are feeling that lost ground, and they look at president's numbers, the international situation, there's nothing to feel good about the health care law is unpopular, and then people blame them for the economy on top of all that. gerri: a lot of burden, i guess i would go on vacation for two weeks at the end of the day. >> he may do better being on vacation. gerri: i mentioned a broken promise at the top of the show. listen on to this from the president. >> this is the most transparent administration in history. >> the most transparent white house in history. >> we have put in place the toughest ethics laws and toughest transparency rules of any administration in history. gerri: john, not so much. we find out today from the gao, the website, the government set up at the behest of the

president, not complete, doesn't have all the information. the way they spend our money, taxpayer money, not accounted for. what do you make of this? >> kind of strange, we have an administration putting a lot of pressure on the private sector in many ways to become more transparent. subject to more regulations, what not. and yet the federal government cannot take good care of its own house. they don't know what's going on in their own house. gerri: what do you put this up to, rich? 2-7% of contracts are on the site. information is out of date. it's unreliable. what does this tell you? is this the administration unable to get its own work done? >> typical federal incompetence. there is nothing more nefarious about that. a federal website that doesn't work? just like healthcare.gov. gerri: obamacare. >> and now, it's like the lost irs e-mails, most of us can't get rid of the e-mails, irs lose a bunch of sensitive ones and now this, set up a website

to track taxpayer spending, government spending and the one thing it can't do is track government spending. >> the one simple thing. >> government can't manage the government, the government has no right to manage the private sector, including health care. gerri: that's a great point, you can't do your business why, should you be in mine, right? 8% of the information on the website is accurate. that's not a good hit rate. i want to go back to the economy. one of the members out of the survey we've been talking about is truly shocking. so 76% of adults in this survey say that they lack confidence that the next generation that their kids have a better life than they are. can we survive, rich? if three quarters of american adults think that. what does that mean? >> very un-american attitude. it's not in our traditions, not in our history and puts a premium on finding an answer to creating and renewing

opportunity in this country, and i think republicans have begun to focus on the nitty-gritty policy of how you do that. i think they need to do much more of that. gerri: john? >> look at the tax code to make things better, but the lack of confidence in the future is beginning to show up in the economic data. it's hard to believe. supposedly we've been creating all these jobs, the unemployment rate is dropping sharply. yet in the first half of this year, unit sales of new and existing homes are down 5.5% year-over-year. that's despite the fact we've had mortgage yields slip somewhat. the takeaway from this is we're not generating enough confidence and future levels of income so that people who can afford to do so are willing to take the risk and buy a home crossing their fingers that home price is not going to decline at some point in the future. gerri: makes a good point, rich. >> the irony, you put all this together. the weak economy, the federal

incompetence. president obama's overarching ideological goal was to create more institutions and he's done the opposite. gerri: they're putting the blame where it goes. 70% of the people polled blame washington. they're not saying a big change in economic fortunes, what they're saying washington can't get it together, not that we want more regulation, they're not doing a good job. so i think that's where the blame belongs. i want to get you to one more story which is fascinating. that's the rise in poverty in america's suburbs which is not usually what you think of when you think of poverty, you think about it being in the inner city. what did you make of this report? >> the sad fact of the matter is america's middle class is shrinking, and unfortunately it's shrinking not because people are becoming richer, but because they're becoming poorer. that's what you're seeing evidence of with this particular statistic. i don't think this is going to change much any time soon, but this is the logical by product

of a very slow rate of growth for real incomes, for employment income and the like that, in a way, it's been made worse by ever increasing competition from dynamic emerging market countries. gerri: rich, last word? >> hollowing out of the middle class, the numbers with people not having confidence in the future, and this is the most important domestic issue in american politics. gerri: it is mine, too. we hear from it from our viewers every single day. >> and push comes to shove when we cannot afford entitlements any longer. gerri: wow, this is great conversation! i want to go on and on. you are terrific. rich and john, thanks for coming on tonight. great job both of you, appreciate it. we want to know what you think? here's our question tonight -- i'll show you the results at the end of tonight's show. still, a lot more to come

this hour including your voice, your voice is important to us, during the show, we want you to facebook me or tweet me at gerri willis fbn and send an e-mail at gerriwillis.com. we want to know what you think? and home warranty companies are some of the most complained about companies. are warranties a good thing? next how to decide if you should buy one? when folks think about what they get from alaska, they think salmon and energy. but the energy bp produces up here creates something else as well: jobs all over america. engineering and innovation jobs.

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. gerri: home warranties used to sweeten the deal between home buyer and home seller. are they a money pit? here with having to decide if a home warranty is right for you. angie hicks, the founder of angie's list, good to see you. >> good to see you, again. gerri: i'm torn on this topic, this home warranty topic, it is something people throw into sweeten the deal. is it worth keeping it year to year? >> it's an individual decision and you need to understand the

condition of your home. how much you're willing to save, and really understanding what the home warranty covers. if you're appliances are older and going to cover appliances, we found people that are happy with home warranties when they invest in those, because it allows them to not be surprised by an expense. but i also hear great stories of people who have a rainy day fund and save for the appliances that need to be replaced. the home warranty category is the most complained about, and not understanding what they're getting. they don't read the documents. and also the quality of the contractors that are being sent out to do the repair work. gerri: interesting stuff. take a look at the cost. average cost per year 500 bucks and a service fee if somebody comes out, 60 to $75. if you're doing this to pay for a fridge that might break down

or individual ac unit, not my favorite thing. do they also cover, for example, big-ticket items like the furnace? the roof? >> they can. but you need to make sure you understand exactly. again, this is a contract with that individual warranty company, so you want to know. a lot of times it will cover the mechanicals of the home. but you want to make sure it doesn't rule out preexisting conditions. one of the things i find that people get confused on, things that checked out fine on home inspection are covered by the home warranty. it's important for customers to remember that those are two different companies, two different assessments. so you need to make sure it's covered under each one. gerri: wow. that's a word of warning. do you have horror stories? you guys hear from everybody. >> we do. one of the stories we read a review recently about, a couple in florida that were using a home warranty company to help maintain a rental house they had down there, and had a lot of success until an hvac

company came out and told the renters of the house that the unit had mold, and the renters obviously didn't want to live there because it had mold, and there was going to be several thousand dollars to repair this. the company, the consumers ended up getting a second and third opinion on this, it turns out there was no mold and didn't need work done. consumers ended up paying money to have it cleaned to appease the renters. you want to make sure you've got control over who's doing the assessment on your house. you want to know who the contractors are. if you can get a list ahead of time, that's great too to research them on your own, the repair and replace decision is left to the warranty company as well. gerri: it's all about the company and how reliable they are and the technicians they use. >> right. gerri: so -- >> one of my favorite story, a consumer suggests whenever she calls warranty company, she asks for two or three companies

that could do the work on approve list and researches them on her own. gerri: that makes sense. here's a list of things to watch out for. look at fine print and the repair and replace decisions. you say control. what do you mean by that? >> just remember you are conceding control of these decisions, and their time line might be different from yours. whether it's being repaired or replaced, what contractor they're going to send out, you are giving up flexibility when you take advantage of the warranty. gerri: payment and reimbursement issues how well that works for sure and check out the local reputation, as you say. you know, i think if you don't have a couple of grand set aside for emergencies, the fridge goes out. something like that happens, that tells me a bigger story about whether you're ready to be a home owner yet, what do you say, angie? >> a good rule of thumb is have 3% of the value set aside for repairs and things that come up every year.

that's always a good rule and encourage consumers and home owners to do assessment of their home at beginning of the year so they can have a good understanding whether they can afford to put the new deck on or really need a new roof? gerri: angie, thanks for coming on. great to talk to you again. >> thank you, you, too. and before we move on, i just want to mention that the president will be speaking at some time in this hour. so we will go to that as soon as it gets under way. you can be sure we won't miss out on that. here is our top trending stories. on foxbusiness.com. stocks ending the day relatively flat, energy stocks managed to rebound from yesterday, global markets dropping after news of a troop buildup on the ukraine border. u.s. trade gap declining in june to the lowest level since januar january. the trade deficit fell 7% to

$41.5 billion. after dropping bid for t-mobile, sprint has a new ceo. dan hessi will be replaced by the ceo of bright star. bright star is part of a corporation buying up 70% of sprint last year. and walgreens is staying in america. the drugstore chain changing mind about reorganizing the company overseas to cut its tax bill. the company says it is not in the best interest of shareholders to leave the u.s. of a. those are the hot stories on foxbusiness.com. we're waiting for a news conference with president obama. we'll go live to washington as soon as the president arrives. but first, more from our recent visit to a chicken farmer outraged over the government allowing chicken from china on our grocery store shelves. stay with us.

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and find out more about our two-year price guarantee. comcast business. built for business. . gerri: consumers would never consider a loan with a 17,000% annual rate, right? you might unknowingly commit to every time you make a too common banking error. overdraft fees with greg mcbride, vice president and chief financial analyst for bank rate.com. let's do the math on this. this was put out by richard cord re, what he said is you could pay a 17,000% rate on debit card in an overdraft fee. how does it get there? >> some of this is the hyperbole of apr's when you are annualizing something that is

basically short-term credit. you know, you're basically taking a three-day repayment period and saying okay, if you had done that again and again and again for an entire year, what would that have amounted to based on the initial amount of the borrowing. a lot like saying it costs $10 to go through the tunnel in new york city, but it only takes five minutes. if you do that 12 times an hour, it comes out to $120 an hour. it doesn't cost $120 an hour to go through the tunnel, it costs 10 bucks to go through once. some of that is hyperboly. this is high costs and there are ways to avoid it. gerri: here's the math, here's the back of the envelope calculation or a little of it anyway, he figures the median debit card has $24s in the account. and overdraft fee, the average is 34 bucks, so this is pretty ugly stuff. you are immediately overdrafted for a lot of people out there.

if you do buy something and then, you know, you come up on the wrong side of that equation, greg, to you, i know a lot of our viewers say look, gerri, don't overdraft your account. it's simple to do it when the median amount is so low. a. and, b, a lot of people lose track because some of these banks are processing the highest and the largest debits first. how is that still happening? >> well, regardless of whether they're processing them high to low or low to high or left to right, it doesn't matter, and as long as you have enough money in your account. here's the key, with 24-7 online account access, check the available balance before you initiate a transaction, that's how you avoid the overdrafts. the other thing is request a link between checking and savings account. that way if you slip up, and it

happens to everybody once sooner or later, if you slip up, it's your money covering the shortfall. you are not having to borrow from the bank at that exorbitant rate. for the consumers that stay on top of this, overdraft fees are going up, but a lot of people never have to worry about it because they're not incurring them. gerri: this happens to people unsfwen unintentionally. look, you've seen my track record, this usually isn't a problem, you can take away the fee? >> if this is a onetime slipup, nothing ventured nothing gained. sure. give it a shot. for you routinely overdrafting your account and about one in seven account holders fall into the category. if that's you, you don't have a leg to stand on in terms of negotiation and you need to work on reforming habits, the sloppy financial habits cost you a bundle. gerri: the irony is this is a favorite habit of the big

national banks and now the small banks we think of as consumer friendly doing this most often, why? >> well, look, overdrafts are -- we see those at institutions large and small. it's kind of like speeding. there isn't any place in the country that let's you speed for free. speeding tickets are expensive everywhere. you slow down. the same thing with the overdrafts, doesn't matter where you are banking, big bank, small bank, if you keep accurate tabs on balance, you can avoid the overdrafts. as long as the sun is rising in the east, the overdrafts are costly and wouldn't surprise me if we see the fees move higher overtime. >> a huge part of the bank's profitability even now. thanks for coming in tonight, good to see you. >> thank you, gerri. gerri: and, of course, i should say, we are waiting on the president. the president may speak in our hour, as soon as he does, we'll go straight to washington to pick it up. later in the show, how thieves

are getting into keyless cars? and more of our ongoing investigation into the usda allowing chicken processed in china to come to your dinner table? stay with us.

gerri: tyson's foods is recalling more than 75,000-pound of chicken. that is because pieces of plastic have been found in five-pound bags of frozen chicken sold at sam's club. if it is so difficult for american companies to grow and process chicken safely, how is it possible for our government to even consider allowing processed chicken to be imported from china? we visited the owner of a small american farm who sees big problems on the horizon.

>> get out of here. get out of here. gerri: the chicken doesn't even have to cross the road to get to her house. the 3-year-old lives on a small family farm about an hour 1/2 from the concrete and congestion of new york city. laneey's father, brian is scientist who hung up his lab coat for baseball cap and t-shirt. the 32-year-old is a full-time farmer in pennsylvania. >> we use no chemicals at you will. our only imports on the farm are seeds and chicken feed. gerri: with apologies to joni mitchell, brian's parents got back to the garden and stayed. they purchased the farm in the early '70s. while the laying hens are as free range as chicken can get, the roasters are roosted inside of moveable pens. brian says he moves the pen as few times a day. >> very labor intensive. we have to move each of pens. we have to move each much them two to three times a day. you want birds get fresh grass

constantly. you don't have manure buildup. because this field will be turned under for crops. you want grass to stay healthy. gerri: brian's place is apple ridge farm. he lives there with his wife lisa, a respiratory therapist, his two children and their dog. apple ridge farm has been a working farm since the eight 1000's but brian added relatively modern touches. like a bakery that makes really, really fresh chicken stock. and gourmet pretzels. what twisted brian into knotts, that the possibility that the united states may soon be importing processed chicken from china. >> i don't know a whole lot about china, if you watch the news it doesn't look like it is healthy to be a person in china. i can't imagine what it is like to be a chicken in china. gerri: brian says risks contamination increases with every person who touches your food. he can't imagine the risk imposed shipping american

chickens to china, processing them and shipping them back to your local supermarket or restaurant. in contrast to that, brian says if you buy chickens at his farm you can shake the hand that feeds you. buried in the footnotes of a report we were reading today, we noticed the center for disease control, cdc, believes for every case of salmonella poisoning reported to public health fishes there are 29 people who get sick and never report it. if you're about to make dinner, "consumer reports" says 97% of chicken tested, 97%, is contaminated by something that can make you sick. joining me now to talk about these issues, dr. michael doyle. he is director of food safety at university of georgia. dr. michael, thanks for joining us. the thing that is most surprised me about this story of chinese chicken from china, how far they have to send it. 7,000 miles to china. 7,000 miles back. what do you make of that? do you think that is something

americans should be putting on their plate? >> i don't think the distance is the issue. the chicken is going to be frozen and it is not going to spoil under those conditions. i think big issue is, that this chicken is going to be processed in china and china has a long history of intentional contamination of foods as well as using unsanitary practices producing foods. gerri: tell us more about that. it is hard for us to know, consumers see chicken on the shelf, where it comes from, where are the unsanitary things that go on in these plants? >> well, very recent example, only about a week ago, there was a major recall of meat and poultry that was processed over in china, specifically for fast-food restaurant chains. and, the recall was initiated because the company, was relabeling the meat. it was outdated. so they were putting fresh dates on it. they were also using insanitary

practices such as meat may fall on the floor and put it back in the box. ship it. much. gerri: we're showing a picture of that plant right now. and it is this plant, that the federal government says is okay to send processed chicken here. not happening quite yet. but it is imminent. it could happen anytime. so the very plant, right at center of what dr. michael is describe describing here, a plant that sent postdated meat to fast-food restaurants all over asia, now, cleared to send processed food to here. dr. michael, i think most astonishing thing is they don't have to tell you. you don't have to put country of origin labeling on the packages. why is the government so lax about this? >> well, i think there's a move afoot to do just that. in, for example, shellfish and fish, it is required here in the u.s. to put the country of origin. and frankly, i would avoid myself these types of foods from

china. example is, the chinese provide to us 70% tilapia we consume. much of that tilapia is grown in chicken poop and loads of antibiotics are added. >> what do you mean it is grown on chicken poop? >> that is the primary substraight which the tilapia grow. gerri: you're talking food they eat? chickennen food is the food they eat. >> that is exactly right. gerri: i will not have tip lal yaw. you say you wouldn't chews chicken from china but you say it will not be known. shouldn't it be hailed? >> personally i think it should. we're living in society we want transparency and weigh want to know where our food comes from and what's in it. so i think it is the right thing to do. gerri: number one tip for people making chicken for dinner what

should they be doing? >> if it is chicken, there are studies to show a lot of people are in a hurry. they're not cooking chicken well enough to insure they kill all the harmful bacteria. cook it 265 degrees and you kill the bad bacteria. gerri: we need to make sure we're cooking it enough. dr. doyle, great to meet you. >> my pleasure. >> and now we want to hear from you. more than 730% of the americans according to a recent "wall street journal" poll are blaming their personal economic situation on washington. so are our political leaders feeling our pain or are they causing our pain? here is what some of you are tweeting me about our poll question tonight. bernard says this, causing, without a shadow of a doubt. love that. rick agrees. the bureaucrats in washington have their agenda. they're out of touch and causing majority of the pain. sentiment was the sail on my facebook page. here is mike. they feel none of our pain no matter what they say. lloyd offers up this reasoning. washington's focus is on fund raising to win the fall

elections. you're probably right about that one. here's some of your emails. gene from indiana writes, with all the crap that has gone on in the past five years with this administration, no one will be held accountable while obama is president. and thomas from new jersey says, gerri, i would like to thank you for the informative demonstration how to start gm vehicles that stalled out while in operation and would startle the driver to further increase panic and dangers to himself and others. we were particularly proud of that piece. here is george from arkansas. there is nothing like getting useful information from a smart, beautiful woman. oh, my gosh. like my mom is writing in saying nice things. thank you. we love hearing from you. send me an email. go to gerriwillis.com. when we come back, we look into the mind of people who take working out to an extreme. next, if you thought your car was safe from thieves because you don't use keys, think again. shocking new video show just how at risk you are. here is your consumer gauge with the numbers you need to know right now.

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gerri: breaking into a car can be as easy as pushing a button. thaw that is how it wash works on my car. thieves use technology to their advantage using devices to unlock vehicles with keyless entry systems. roger morris with the national insurance crime bureau. thanks for being with us. everybody was looking at video you guys put out today. tell me a little bit, what exactly are the thieves using to get into the cars? >> thanks, gerri. what you see, most cars have either a fob or key with a specific code that assigned to that specific vehicle. without that code, that key or that fob, you're not going to be able to open that door or start that vehicle. gerri: right. >> we're finding out there today that there are a appearing on market some devices use either radio frequencies or magnetic impulses, electromagnetic

impulses, mimic the signal sent to the car system, tells them its okay to open the door. it might be tied to the system that opens up the doors in the event after crash where the airbags explode. gerri: huh. >> they will tie that and allow it to open up so you can escape from the car. we don't know exact how they're doing it. gerri: i want to tell viewers. they're seeing video here or were seeing video here of thieves breaking in. and, i got to tell you, if i was walking by, i wouldn't necessarily know it's a thief because there is no struggle. there is no window broken. they just open the door, willy-nilly and start looking around for quarters and laptops and ipads i guess. >> that's what it is all designed to do. instead of making a mess breaking window or setting off car alarm window, if they use a device to defeat technology it makes for simple and easy entry. we're seeing some of this. the police have found some of these devices in the last year or so. obviously you see some of the

closed-circuit video been produced shows people apparently using this technology. it is not out there a lot. it is still very rare but we think people should be aware of what is going on. gerri: are these thieves buying it on the internet? if so how much it costs. >> unfortunately a lot of devices out on the internet purport to do this kind of thing. they may be cheap as $5, $35, they're all over the board. how much of that we don't know. gerri: that is not a lot of money. that is so cheap. >> we tested some of these devices. they looked at some. some open some modest. don't open all models. a lot of this probably is bluster. but there are some police have said do work. gerri: so, what models are most vulnerable? talk to me about the fact apparently in the u.k. they're not just opening the car door. they're driving away. >> well, we've heard reports from the other side of the ocean, apparently some cars may

being stolen by this here in the united states, we've had no reports of that. there is no indication that these devices can actually start the vehicle. they can only in some cases, very rarel c they open it. not all make, not all models. there is no particular make or model more sus septemberable than others that we're aware of -- susceptible. there is indication they can open the doors in some cases. they have not been able to actually start the car and drive it away. to do that you really have to have a key code to be able to get a duplicate key. sometimes the professional organized criminals are able to do that, using insider at dealership or locksmith situation. but most cases it is very difficult to be able to get the actual match to open and start that car. theft technology is very good. gerri: tell you what i'm worried about. i have one of these cars doesn't use to me. it was sold to me being safer in a dark parking lot, i can run up to the car, open the door because the key is in my purse. i don't have to fumble to get it

out. let me tell you these guys could get into the back of the car, wait for me to get there to rip me off personally or do me bodily harm. i find this really concerning. >> well, i can see your point there but i think in most cases what they're looking for is easy opportunity to make a few bucks. they see valuables inside of a car. often, too many types, people leave their laptop or their phone or their gps device easily exposed in the car. and it is an open opportunity for a thief to say, i will take the easiest road to this and i will make some money off of it by breaking into that vehicle. they're not so much interested in anybody being around. they're obviously growing to dark garages and places like that to use these devices. so i'm not so worried about that. i am worried about people not locking their cars, leaving their cars, leaving their keys in the car and leaving valuable devices there. that is not a wise decision. always, hide your valuables, take them with you. put them in the trunk.

don't leave them. there is open invitation to the thieves. gerri: great advice, roger. thank you for that. for viewers out there, 4.3 billion lost to these thefts every year. according to the fbi. thank you, you're welcome. gerri: speaking of the car market, auto sales is one of the bright spots in this economy. for a handful of car models the news is even better the dealerships can't keep them in tonight's top five. hottest cars of 2014. number five, mercedes-benz gl classic. 12,000 of 81,000-dollar car have been sold. the model sold out 1 days on average after they arrive on dealer lots from the factory. quick turn around. number four the bmw x 5 series. the automaker is trying to regain the title as leader of luxury car sales, selling 22,000 of these cars. turn around time for dealers? 15dation. >> number three, the subaru forester. this ultrapopular car named suv

of the year by "motor trend." more than 74,000 sales. $27,000 price tag doesn't hurt. it is car of westchester, got to tell you. >> number two, the lexus gx. this car spend only two weeks on dealer's lots before being sold for nearly 57,000 bucks. of the. number one hottest car of 2014, get this, this was shocker to me, the land rover range rover. these are expensive cars. the price tag, $112,000. but they don't stay on the lot more then 10 days before they're sold. other cars on the list, audi q 5 and toyota coma. still to come, exercising at gym is one thing but some take workouts to a new level. is there a reason why the popularity of these intense exercise programs? ♪

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because everyone deserves a great night's sleep. know better sleep with sleep number. gerri: you've heard about this high-intensity training in it is changing the face of fitness. simple jog in the park, doing some crunches doesn't cut it anymore. either go big or go home. so what is the appeal of extreme health behaviors? joining me psychologist brian russell. thanks for being on the show. i keep hearing about tough mudder folks. my senior producer did this i think it sounds insane. you get down in the mud? why would you do that? people do 100-mile runs. what is the motivation behind this, do you think? what is the attraction? >> big workouts are big business, no question. the research is all over the map as to why. some say it is people with low self-esteem trying to punish themselves. some people say people with high

self-esteem trying to pump themselves further. some say people with chaos trying to exert some sense of control with personal level like we see with eating disorders. but as a psychologist i think most people involved in this movement, my brother and sister-in-law are involved in it, are basically normal people who may be a little bit towards the obsessive end of the normal spectrum when it comes to health and fitness. gerri: so a little obsessive. you can't help but wonder why, right? a lot of the stuff is really painful. after you run 50 miles, running 51 just doesn't sound so good. how do people keep motivated? >> you know results are motivating. a lot of people who get into this? they really see results. there is chemical component. endorphines get released during it. it can take on, like anything else. like sex or gam ink blink or drinking or shopping anyone? it can have, it can take on sort of an addictive character but we

have to be character when we throw the word addiction around. you know what happens next. people come out of the woodwork, wanting to regulate industry and sue the industry as if participants in it were somehow forced to do things against their will and they're not. the bottom line on this is moderation, personal responsibility. if you're involved in this to the point it is cutting into other important areas in your life like relationships and career you probably are overdoing it and you probably need to dial it back. that said i would rather see somebody in my office with this addiction than cocaine addiction. only healthier addiction might be to fbn. gerri: there you go. now you're sucking up. that is okay. i want to talk about the money side of this, the business side because cross fit is 40 million-dollar business. we mention and shop pictures of tough mudder. revenue from that 76 million in 2012. workout videos. i see these things everywhere. ps, p 90 x. insanity. on and on it goes.

it seems industry evolved, to seed this obsession. what do you make of that? is that the right thing? should, what should people do to make sure they're not doing too much? >> well, as i said, i think when people find that they're doing it to the point where it is cutting into other important areas of their lives. they're not spending time they ought to spend at home. it is cutting into their marriage or parenting time or cutting into their work time. they're doing this when they ought to be at work or doing it when they ought to be sleeping and not getting enough sleep as many americans aren't, that is when you know you may take it over the line and may have gone to unhealthy place. of course you want a healthy body but you want a healthy life. i agree with you. this is big business. it is booming all over the country. it shows how many americans are caught up in this. as i said, i would much rather have millions of americans caught up in this than lots of other things that would be a a lot less healthy. gerri: brian, you make a very good point. we appreciate your time. thank you so much.

>> anytime, thanks. gerri: we'll be right back. i had no idea i had shingles. there was like an eruption on my skin and burning. i'd lift my arm and the pain back here was excruciating. when i went to the doctor his first question was "did you have chickenpox?" i thought it was something that, you know, old people got.

gerri: the promises that government would solve everything, worried about how your taxpayer dollars are spend, no problem. the web makes disclosure easy, that promise wasn't even kept. go day now, chicken, processed in china will show up on your grocery shore shelf, and you won't know it because it does not have to be labeled with country of origin stickers. you can thank your federal government for that. the most basic job of

government, botched. that is my two cents more, that is tonight's willis report, have a great evening, we'll see you back here, next week. charles: welcome to "making money" i am charles payne. we're waiting for president obama, he is certain owesed to -- supposed to speak at any moment. president obama was a big one ahead of his executive order that will stop publicly traded companies for seeking lower taxes offshore. we took a hit today. could fear of a recession dreyfus into a recession? thcould lead to a self-fulfillig defeat, there is a silver lining. with emotions driving the market, i have a