up to 30 miles per hour. david: by the way, number one thing to watch tomorrow, the ppi. we'll get inflation stats. liz: very important. "the willis report" is next. hi, gerri, you're what, kicking off a week-long user's guide important to buying a second home. we just talked about buying foreclosed home. gerri: that is on the sail line. liz and dave, thanks for that. the second home market heating up. we'll tell you how to make the best purchase for your family. the next on the show, the man behind the gm compensation fund, ken feinberg. the death toll is rising. wait until you see what a rental car company could be charging you. reluctant role but one of many we're forced to take. we'll have advice becoming a family care-giver without breaking the bank. "the willis report" where consumers are our business starts right now. gerri: the gm death to rising

despite the automaker linking 13 deaths to its faulty ignition switches, the program in charge of compensating victims have approved 19 deaths. they're accepting claims until the end of the year the number of victims can only grow. with more on this, ken fine breather attorney and administrator for gm's compensation fund. ken feinberg, thanks for being with us tonight. >> nice to be here. gerri: we have 19 death claims and well over 100 folks making those claims so far. do you expect the total fatality tally, to rise? >> of course it is going to rise. we've got 19 already, and we have got over 100 in the queue, with claims coming in every day. it is going to rise. how much it rises pure speculation. we have got to examine each claim. merely filing a claim is no guaranty that you're going to be able to be compensated but that is the first step. gerri: first step, of course, gm famously said the number would

be something like 13. clearly you're already ahead of that. your investigation is preceding through the end of the year. how can the numbers be so different, what you're finding and what gm claimed? >> gm had a very different test. i must say, gm asked its engineers, do you know for certain, is it definitive that the switch caused the accident? and the engineers said we know of 13. our standard, much more lenient, was the, does the circumstance evidence demonstrate it is likely, substantially likely, that the switch caused the accident, and, don't forget, we're also compensating drivers, passengers, pedestrians, occupants of second vehicles. gm was focused on the driver only. >> focused on the driver only and what do you do if there are suggestions that the driver was drinking or if there were other issues involved in the accident?

>> irrelevant. totally irrelevant. we're focused on the switch. drunk driving, texting, speeding, irrelevant. we're not interested in examining any contributor negligence. gerri: now what proportion of the claims you reviewed so far, i know you're a long ways from being done, have you denied or said no, i'm, this isn't working, this is not a good claim? >> we haven't really made a definitive decision yet on denials. most of them, that are in the queue, we're either looking at them for the first time, or, we have notified the claimant that your claim is deficient. you haven't said enough. we don't have any documentation. show us photographs. show us the warranty report. show us the black box data. show us the police report. we'll work with claimants before we start denying claims. >> you know, you've said that the amount that will be paid out to folks will be, especially on death claims will be in part

related to how much they may have earned over their lifetime. that is a typical kind of legal test. do you know how much these folks will be getting at this point? can you say definitely? >> no, we're starting to look at that now. but you're absolutely right. if somebody dies, in one much these cases, that are eligible, and he or she were a banker or a stockbroker, that's the tort system. you're going to pay more for that claim than the 17-year-old or the 18-year-old driving the, their first automobile. now, most of the deaths so far, are young, inexperienced drivers. who were either going to school, or, didn't have a high-paying job. so the discrepancy so far i don't think will be great but it could be over type, yes. >> now, if it is young drivers, i'm wondering if there is a particular make and model their seeing more often in these claims than others? i know the cobalt for example,

was heavily marketed to young people. >> mostly the cobalt. some pontiacs. but again, we list in our protocol, as you know, exactly the models, the makes, the years, that are covered by this program. >> all right. i know there will probably be some fighting with families out there over these dollars. are you seeing this already. >> of course. a 17-year-old daughter dies. the mother and father split. the mother says, don't you dare give a nickel to the father. he was never around the house. he didn't support the family. the father says, that's a lie. i was always there for my deceased daughter. either you work it out, as to how we're going to distribute these fund, or we're simply, like 9/11, deposit money into court and you go fight it out, not on my watch. >> not on your watch. i do want to read, we have a

response from gm on your news today. here is what the company had to say. what is most important we're doing the right thing for those who lost loved ones and those who suffered physical injuries. that is gm responding to what you're having to say today. ken feinberg, thanks for coming on. pleasure to have you here today. please come back and continue telling us the latest on this very important story. >> anytime you ask, thank you. gerri: thank you. meanwhile the government agency behind these recalls, the national highway national traffic safety administration is in hot water tonight. according to a critical report in the "new york times," nhtsa is accused of taking its own sweet time when it came to the recalls, giving automakers the benefit of the doubt, quote. not only does the agency spend about as much money raiding new cars a favorite marketing tool for automakers as it does investigating potentially deadly manufacturing defects but sdiffe a key question about fatal

accidents optional, a polly only now changing. the paper went on to say nhtsa doesn't take a leading role into investigations until it reaches crisis levels. from your car to rental cars, electronic to booth payments can be a huge time saver especially when there is lines and lines of cars. no more searching frantically for coins to pay the to. unfortunately if you're in a rental car you may have to add heavy at this fees to your final bill. here to explain personal finance expert clark howard. great to have you back much thanks for coming on. >> sure. gerri: this is interesting. so to booths all over the country are going electronic right. you don't have to give cash. pass through with a car but creating a nightmare for enters. why? >> -- renters. >> completely. what happens when you get to the to booth, there is no person. tough go through electronically. the car rental company then based on a reading electronically of your tag on the car, then sends you a bill

right to your credit card so the to that could be 50 cents, a buck. well they have it from your rental. they just later retroactively bill your card for the actual cost of the to, which could be as little as 50 cents, but then they tack on it a 15, 20 or so dollar service charge, for the convenience of them billing you for the to. gerri: come on. look, you know -- >> i'm serious. >> it is ridiculous. we saw a story of one california couple. here is what happened. they come to new york. they go over the henry hudson twice. and they have 4.88 in tolls. they're charged 34-point8. that hardly seems right. >> -- 34.88. >> i traveled every week for work. i experienced this before. i come up with all my strategies to deal with it. you mentioned a california couple. you go across the golden gate

bridge, all electronic, if you, before, 48 hours is ended, you go on put on your car rental license plate number, you can pay the to yourself, and not have the surcharge from the rental car company. i was in orlando two weeks ago. and i would have faced those big surcharges on my rental car. so what i did, was i set my gps on my phone to no to roads. it took me on a route where, i'm is serious, i never went on a to road. i didn't have to worry about getting hit with a big surcharge. but i have another answer. are you ready? there is one more. okay. you now can buy, many times a at drugstores, you can buy a prepaid to reader, that works in multiple states, and you put it with your wallet or, lady as purse. and when you're in a rental car, you use that prepaid to card so that you don't end up getting charged those huge fees. gerri: i like that.

>> by the car rental company. gerri: look, here is what dollar rent a car wants to do. give you example. you have great solutions. their solution will charge you nearly 63 bucks in orlando to rent a transponder. now, if you of been to that area you know there are a million to roads. so you're really going to run up, run up the charges there, there is no doubt about it. but these fees are out of control. there has to be a simpler way. >> sure. gerri: i respect what you suggest there, sound like a lot of work to me. rental car companies should come up with a better solution. what do you think, clark? >> well i think the rental car companies look at this as another profit center. gerri: yeah. >> you by dial back to the responsibility of the to operators. if the to operators around the country are going to to booths that have no people staffing at all, there should be some easy way for me as a consumer to pay that to to the to authority, instead of ending up in this fight with the car rental company where they're either

going to gouge me, or, i'm going to end up having to do something creative like i've done, so i don't have to pay that gouge. gerri: well, there you go, clark. asking government to be helpful to consumers. that will never happen, my friend. clark, thanks for coming on. >> sure. gerri: now we want to know what you think. here is our question tonight. do rental car companies charge too many hidden fees? log on to gerriwillis.com. vote on the right-hand side of the screen. i show you at the results at the end of tonight's show. your voice is important to us. during the show we want to you facebook me or tweet me @gerriwillisfbn or send me an email at gerriwillis.com. go to the website and do it right there. at the government hour i will read your comments. next obama care 2.0 set to kick off. more and more problems still arising from this massive law. we'll have the latest from republican senator john barasso. don't go away. ♪ there was no question she was the one.

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if you have any sudden decrease or loss in hearing or vision, or any symptoms of an allergic reaction, stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial. gerri: we have breaking news on obamacare. the obama administration is warning consumers they may lose, lose financial aid for their health insurance if they don't clear uplinkerring questions about how much money they make.

if you are on obamacare and the reported income does not match the actual income you have until the end of month fix it or lose out on tax credits. also tonight we're two months away from obamacare sign-up period and more damage care is being done to the u.s. economy and its workers. for all of that we bring in republican senator john barosso of wyoming. chairman of the republican policy committee. he will talk about this great to have you here. start with the breaking news. so what's the deal? do you have to keep giving them all this personal data all the time? i mean i'm not obamacare but a lot of people are. >> we know that there has been violation of the data. that has been, there have been hackers gotten into that. so there are issues of people's personal security but also financial security. this continues to be a problem for people that are on the health care, obamacare coverage. and now they have pushed back the enrollment for this year until after the elections because they're afraid that

things will be a bad situation for them as well. gerri: just to be clear here, so, the big questions from the administration to, if you're growing to reenroll, if you sign up again they want to have an accurate representation of your earnings. why are they doing that? is there a problem with the system? is that what you're saying? >> there are at love problems with the system. it specifically what they say you can auto enroll or stay on but, for most of those people, the subsidies that may be getting, are going to be, not accurately calculated so people will have to pay too much or too little. they know there are going to be significant problems in the second year which is why they pushed the open enrollment period not to start until november 15th, after the elections. gerri: curiously until after the elections, a big shocker there. lots of surprises for people enrolling again. don't auto enroll because you might get sticker shock. a lot of people are worried and concerned i have to tell you

with the private sector open enrollment. there will be a lot of interesting stories coming out of that. the senate republican policy committee out with a report showing the hit the economy is taking from obamacare. tell us about that? >> the health care law is bad for workers and it is bad for wages. what we're seeing is with all the obama health care law, taxes, and the mandates, the, it is, we're seeing fewer and fewer businesses wanting to hire people or push more people on to part-time work. this isn't me talking. this is the federal reserve. philadelphia federal reserve. when they, interviewed and discussed businesses in their communities, they're finding that people are pushing folks on to part time, if you work fewer than 30 hours a week, then they don't have to be covered under the health care law. that hurts people's take-home pay. gerri: 22% of manufacturing firms, 17% of service firms are saying hey, we're changing our enrollment here, our employment levels here. we'll hire fewer workers. i want to talk about what is happening to the labor force

participation rate because it is now at 36-year low. expected to go even lower. people are blaming even this on obamacare. why? >> well, because the mandate, the employer mandate you have to provide, businesses have to provide expensive obama care mandated insurance means less money for wages, less money to give people raises. to try not to have to face these hard and high expenses, they are saying put more people on part-time work. cut people down to 29 or fewer hours a week, even though these are people who want to work more and looking for more hours. gerri: there is a suggestion today that the health care offered by walmart is better than the health care offered by obamacare. do you agree? >> well i think for those workers who find something that works for them i think it is. the bottom line is, the obama administration says, you have to buy some level of insurance that isn't right for most people. that it is, more insurance than people want or need or can afford and as a result they're looking at high deductibles,

high co-pays, higher premiums and they feel they lost their freedom of choice and feel the government in washington is in control rather than american families. gerri: yeah, absolutely. a little too much government interference. senator, thanks for being with us tonight. >> great to see you begin. gerri: later in the show, date one of our user's guide to buying a second home. you will love that. is verizon set to change tv watching as we know it? we'll have the latest on their a la carte option. could be coming soon. we'll talk about that. ♪ whenwork with equity experts who work with regional experts

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gerri: in a move that would shake up the satellite and cable tv world, verizon is offering to provide a tv-like internet that would include custom channels. here to explain this the senior equity analyst at s&p equity research and media group. tuna, you're the right man for this. basically we have netflix saying we'll give you on the web, verizon, pardon me, a la carte choices when it comes to television. can they pull that off? >> you know, i think that is the way the industry has been headed to right now. gerri: no question, that is the pressure and pressure from consumers. >> sure. gerri: but the real question is, does verizon have the power to negotiate and get deals with cbs, abc, nbc and everybody else that people want to watch? >> that is the $64,000 question. clearly i think the technology is in place. you know, ip and cloud based technology. the barriers is entry are relatively low. and consumers are certainly

gravitating towards live and on demand programing. so if there is anything that the demise of aereo taught the industry, it is the fact that there is some consumer -- gerri: demand is there. >> that's right. i think there is appetite for that. what you see verizon, dish, tv all the major tv providers try to cater to this universe of potential consumers. gerri: tuna, i don't know what you would have to offer all these content providers to get these deals? what is the pressure on their end to make this happen? >> well the pressure is coming from you know, so-called cord cutting and card shavers. he have to come up with a formula to mitigate potential viewers migrating to, you know, less expensive options out there. think netflix, hulu, amazon. i think what is different here, you're talking about, you know, live broadcasting of streaming content, 24/7 access that.

could really change the game for pay tv providers. as you alluded to, this is really, could be the turning point and i think the danger here for the conte providers and the, you know, aggregators to reach a balance, on the one hand to be able to kind of tap into these new consumer base that is not currently subscribing to pay television. on the other hand, to make sure that it doesn't cannibalize their core business which you're talking about, literally billions of dollars at stake. gerri: latest numbers on the aging of people who watch tv the old-fashioned way. and the numbers are astonishing. on the other hand, if you only cater super young people, who have the latest technology, that is not all the market either, right? >> that is not all the market. keep in mind this is highly desirable demographic for advertisers. this is very hard to reach. you see viacom, for example to make the first to make this deal. they have a young demographic. you can set the tone, a company

like disney and fox and all of the companies that go after the younger generation and going to be -- gerri: you think there will be pressure on them? >> i think there will be pressure on them in some ways. it might not move the needle in the near term to be sure but over the long term i think you could have something, they could be on to something here. gerri: tuna, how much are they going to charge me for this? that is the big question. what could they get away with here? >> i think in general looking at low-priced options. generally less than $10 a month could be the sweet spot. gerri: oh, my goodness. you think what cable operators are charging right now, that is a fraction of that. thank you for coming on. great to meet you. >> thank you very much for having me. >> coming up, we're covering your assets with advice on ipos. can you say alibaba? we kick off our user's guide to buying a second home with advice on vacation homes. how far away should you look. how much should you spend? stay with us. we have all the details. ♪

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gerri: as cold temperatures move in, how can you keep the summer alive? what about buying a second home, this may be best time in yearies to purchase a vacation home, a useer's guide to buying a 6 home today we look at charleston could south carolina. >> worl challenge charl ston, sa is oldest city in south carolina, you can feel history as you walk through well preserveed streets. southern living has named city of 120,000 people the most polite, and hospitable in the

nation. charl ston is known for its estates and gardens, magnolia plantation has one of the oldest gardens in the nation, flowers have been blooming on the property since about 1680, the house and land are still owned by the same family. the charleston area is home to wonderful beaches, operates 3 beach front parks, and if all that sun and sand makes you work up an appetite, culinary choices are almost limit less, from country quit quis into italian d seafood it is world-class. in 1989, hurricane hugo made a direct hit on charleston, a wall of water that reached to 17 feet crashed ashore, but the city has recovered and prospered, today asking price for a home in the city named after king charles ii is a little under $260,000.

gerri: it sense tiesing, right? joining me now to help answer some of your questions about buying a second home. jed and dominico. welcome to you. you know, i think this is a topic a lot of people are interested in, the growth in the second home market, it is fire, up 30 pierce year-to-year -- 30% year-to-year, jed, when you bring it together where rates are right now, if you have to finance part of it, probably a good time to look, what do you say? >> a lot of vacation areas in u.s. are in parts of country this that had a severe housing busstates like arizona, and floa saw a bubble burst.

as you said rates are still low, and as economy is recovering more people for a position you might be able to splurge to a vacation home. home. gerri: because people have had a couple of good years in the stock market, that is why they are back in the market looking at vacation homes, the vacation housing market and existing home market tend to not follow the same cycle. but this may be a good time, how do you know have you enough money to pay for one of these? what is a calculation that magic formula you need to make sure you can afford it? >> well, for vacation homes there is a range in what vacation areas cost, like park city, utah or nantucket, norm is a million dollar home, other areas in mountains like poconos s or northern michigan, they are

aforable it depends not only on your personal finances, but also what type of an area you are looking at. gerri: have you that right, dominico. to you. i think one thing that is really frustrateing foing for people it there are big surprises sometimes with the vacation home, they don't consider all they need, what are the surpris sur-- surprise elements? >> what they first initially get involved, it is a second home there are a lot of expenses you may not have put into the formula but once you get home up and running you things settle down, real estate, and taxes. and main tphapbgs, one o mans -, one time is when the grandchildren arrive. they plan it i as a second home

then recall of a sudden grandchildren arrive those wonderful plans go out of window, one of the spouses wants to stay in the primary home, and the other wants to play golf 6 months out of the year, consider family issues too. gerri: what about taxes? my vacation home does it have the same tax correction with mortgage or what if i ren it out. >> if you use it as a second home, for your own family, mortgage interest is almost up to a million dollars, combine primary and secondary mortgage, that number, married filing joint under a million uthe mortgage is tax deduct, and real estate. but if you rent it out, it gets more complicated, you should talk to an account afternoon the, you do a schedule erental property, claim income, i it becomes a business report.

gerri: a lot of people know that location is important, what about a vacation home. what do most people do? do they buy it close to home or far? >> it might be surprising, some of po popular vacation areas are near big cities, kate main, new jersey, cape cod, massachusets, in east l.a., big bear, lake arrowhead areas, a lot of people also have vacation homes they would fly to, new yorker to florida, people from chicago, in phoenix. so big question is how far you how often do you use it and also, is it to test out a possible permanent move. it could be a great way to discover a new part of the country you might move to. without makeing that whole move. gerri: i think a lot of people do that jed and dominico thank you. great to have you on. great advice.

>> coming up tomorrow, if your dreams are a second home are more likely to involve fine dining and shopping, our user's guide continues with a look at what you need to know if you buy in the city. >> now we want to hear from you, consumers up in arms about amount of hidden fees. one encounters while renting a car is this too much, tom writes away too many fees, some appear to be double. steven knows, most of these hidden fees are taxes or payments to local transports or airport authority, politicians see this an easy way to collect taxes. >> many are due to airport authorities, counties and everyone loves taxes, except sorry the people who have to pay them. when we come back, we answer, how do you do that. gerri: advise on becoming a family caregiver, and what could

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gerri: is there trouble ahead for individual investors, tech sector charging ahead with levels not seen since the.com boom and best over a decade ago. recovering your assets. with david scranton. and randy newman. david, with you, we sold off on nasdaq a little bit today. it has been a good run.

is it the year 2000 all over? >> well, i do expect another drop at some points. whether it is around the corner momentum will take us father. i can tell -- farther, i can tell you, if the dow and sip s&p 500 have topped out. gerri: some of these companies in nasdaq are not so small. randy. it looks like when you do the analysis, nasdaq run has been driven by big names. most of the moment has been along those. are you a fan of tech stocks? >> not particularly. i think the biggest name they have is janet yellen, there is almost no other place to investment. gerri: look at what happened to some biggest companies, apple up

21% since -- 2100% since march 2000. david, we got creamed in that dot-com bust, should we be thinking about that again? >> i am not worried about a tech bubble bursting, a lot of tech stocks are now making profits, they were not in 2000. i am worried a a overall market pullback. bottom line, we have nearly 200 years of historical evidence that says in every secular bear market we had we get 3 or more significant drops, in this one we've only had 2 since 2000. gerri: i want to talk about ali about bank breaking news. they are price and arrange 66 to 68 bucks a share, they are raising the target, randy, should i -- as an individual

investor, someone who is investing are in retirement, putting kids through college, should i try to be getting a piece of this action. >> no. gerri: why not? >> look at micro. the way to aleftiate is -- alleviate it, invest in alternative investment, like reits or anything not the market. gerri: that could be tough to do, but there are ways. david, i'm talking about alibaba. a big company, chinese internet. the amazing thing is that is not like the company that led the dot-com boom they have earnings and sales, they are a real company, a huge market share, why shouldn't individual investors try to get a piece of the action. >> randy just pufrt b burst my i was about to take half my worth and buy alibaba.

first of all, it has to be a small part of money, and money they don't need for college or retirement. reality, is there is a trade off, when markets are high, end of a circular bull market, that is when people want an ipo, because they get more money, but if could be worst time for average investor, that is the dichotomy. gerri: randy, people who make money in ipos are friends of the family, right? people who bring that company public. the friends of investment bankers, everyone who knows anyone who worked there. and just average joe like me, trying to ride along it is super hard to get the same prices as though people, right? >> you are priced out of some of it, there was real deal makers in 2012 who got prefered shared, this hits they will hit a home run. >> we hate those people is my points. >> right. gerri: thank you, you did a great job, appreciate your time.

>> tune in to fox business all week-long for continuing coverage of what could be record breaking ipo of alibaba, it will be fascinating. >> from stocks to drought, california is still deep in to third year of this historic drought, 10 100% of state is in some form of moderate drought with 82% ner 82% in extreme matt that red. look at how water level has dropped in tol phenomenal some -- in folsom lake from 2011 to 2014, here is a view of the drought from space, nearly a quarter of states 5 billion dollar rice cropped will be wiped out, farmers are ready to

throw in the towel, and resort to selling what little water they have, most of the rice in this country comes from california. gerri: still to come, my 2 cents more, and cost of carrying for a family member, skyrocketing with almost half spending more than $5,000 a year, how you can cut that cost, stay with us. whenwork with equity experts who work with regional experts that's when expertise happens. mfs. because there is no expertise without collaboration.

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gerri: being a caregiver for a family can bring emorka e-- emol and financial stress, how do you get a handle on the costs, ask drive them down. gerri: derrick, welcome to the show.

a lot of families are affected by this. they struggle with this. tell me how often do you see people trying to find a way to pay for care do, it themselves. >> this is combon, the work i do with clines, average scenario people come in wondering how can i safe for my retirement they forget how can i care for mom and dad the very moment i'm go tabout to to retirement the nums are staggering this is proven expenses that people are paying hard earned americans digging themselves out of that debacle. not having money, and hemorrhaging own retirement. gerri: we're looking at 30% of family caregiver spend more than $10,000 a year. this is often a time they are either desperate to save for their retirement or get into retirement. what do they find is hig highest

bill? >> in home health care, it is one of the most expensive. but med case costs, the drug expense costs are out of control, not budgeted for ahead of time can rail put a crimp on the financial costs, but say a person needs long-term care, would insurance, that could cost thoughts -- thousands of dollars every year. gerri: what do you do? it happened in my family. costs this front of you, and you want to do is take care of the problem yourself at home, but it has costs too? >> it does, you said, let me touch on that, don't think you have to do this by yourself. number one problem i find people make, this burd sense mine -- burden is mine, you must share, have what i call a family meeting bring in extended

family, close family talk about a strategy how did we tax them problem, everyone wants to care for mommy ta dad or spouse but nobody knows how, some have time or money, and some have both. define the roles each person will have and forgive yourself for guilt you may feel it you can't devote all of the time you want. you are working, bottom line, everyone has a part to play, include them, and make the burden lighter for yourself. gerri: tell me are there tax breaks out there for people struggling with this? >> not too many tax breaks, if a person lives with you, sometimes the care can be tax deductible, for most part hard working americans taking money from retirement. let's say you have not done any planning, think about local, state ages and knock on doors

any dig under rocks to find what aid could be helpful, there is for example, think about crowd funds. put a cause on internet, you have to be ahead of the costs and pro actively plan for it, what knocks people unfinancially are the un,ed costs. >> thank you, derrick. >> my pleasure. thank you. >> to nfl, latest development from nfl. minnesota viking reinstateed adrian peterson, who was benched yesterday, after being ased of strikes less 4-year-old son with a tree branch, the team's owner wants to make the league process play out. >> and nfl said that three women

who were experts in domestic violence will serve as senior advise ors on the league. stkpwhr-rpblg goose else faced eleague. >> tough story. we'll be right back with my two cents more, and answer to question of the day, do rental car companies charge too many fees? business with startup-ny. an unprecedented program that partners businesses with universities across the state. for better access to talent, cutting edge research, and state of the art facilities. and you pay no taxes for ten years. from biotech in brooklyn, to next gen energy in binghamton, to manufacturing in buffalo... startup-ny has new businesses popping up across the state. see how startup-ny can help your business grow at startup.ny.gov

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gerri: early year we talked about outrage over ren fall car fees -- re rental car fees, finally, probably. nothing gets under my skin like

fees. but bad customer service gets under my skin, like the kind i received from her hearstz -- hertz not do long ago, i called the office that i had been to, they did not answer, then i called 800 number, they told me that office was not open, not true i just left there. i was not a happy camper but then that is reality of customer service today, just very, very tough to find. that is my two cents more, coming up tomorrow, are you users guide continues can advice on buying -- check it out tomorrow night. thank you for joining us, have a

great night, charles payne is coming up next. charles: on "making money," america has the president's back in the war against isis, but almost 70% have little confidence he will success. big issue. fading 4 pillars of american exception headlineism. >> and learning to invest from kenny g . now makes half of his income from stock market. we review his experiences and teaching you dos and doan's of building a portfolio. >> and the ipo everyone is waiting for, they released new pricing after the bill, and a little known ipo up 200% since company. wait until you see this, a new