2.66%. liz: remember what a difference we saw on that very chart yesterday. everything was to the upside. david: one day down. one day up. you never know. "the willis report" is next. she will guide you through the next hour. >> hello, everybody, i'm gerri willis. it was another disaster day for your 401(k) as all three indexes sell off in one of the worst market drops of the year. we'll tell you how to make money even on days like this. coming up on today's show, a victory for consumers as major companies refund customers millions and millions of dollars. we'll tell you why. more companies targeted by hackers in addition to jpmorgan chase. we'll tell you which ones and how you can keep your money safe. want to keep your home maintenance costs low? we'll tell you what you should be doing right now. "the willis report" where consumers are our business starts right now.

gerri: we begin tonight with big wins for consumers tired of getting ripped off. citigroup and m&t bank joining the list of companies recently caught overcharging folks, trying to get away with it. let's get to all of this with financial advisor, randy newman, founder of wealth management of the welcome back to the show. great to have you here. >> thank you. gerri: i want to show a full screen, a list of companies having to pony up dough because they did the wrong thing when it comes to consumers. include large bank, citibank, smaller one m&t, and at&t. is this a big day for consumers and is it a big win? >> absolutely. basically free market guy but when the free market does the wrong thing for the clients, smears, they have to be rain in -- customers. gerri: let's talk about each one of these and start with citi. this basically disagreement over advisory fees for an investment and a woman here right in the new york city area who says that she negotiated a fee of 1.2% on

thain investment and was charged 1.5%. that was enough for citibank to get into a lot of trouble. even though the numbers look small, they mean a lot to small investors. >> absolutely. the real problem here is that citibank's auditors should have found this before she had to go to attorney general schneiderman and make a claim. although her claim was only $3,000. if you multiply by a lot of people and probably $3,000 is a lot of money to her. this reprehensible. gerri: $3,000 is a lot of money to most of us i think but i have to say we still don't know what other consumers were charged in other accounts. i think it is an open question and the ag's office is saying they're still investigating this. we could see more on citibank at the end. day. let's talk about m&t bank for a second. they did what they were a classic move by bank. they said they were going to offer free checking. it wasn't free. now they're paying the penalty. what do you make of that? >> i was a banker in 1978.

things were a little different then. you can't make naked promises to customers and expect them to stay around so and now although there aren't a lot of banks any longer you can certainly make a move to one that doesn't take your money. gerri: at&t, so, i've got to tell you, this is called cramming. that is what they got charged with here. they put charges on your bill, at&t does, for your cell phone, stuff you never ordered. might be charged 10 bucks a month for services, get your horror scope, did you order that? maybe not. big trouble. they're paying 80 million in customer refunds. 20 million in penalties and five millions in penalties and fines to the fed. what do you make of this one? >> well the order of payments remind me of the "sopranos." he had paulie walnuts and silvio in their employ. they're whacking this money up to various groups. this tragedy this is ma bell.

gerri: right. >> mischarging people. and, they were taking 35% take on expenses they paid from the vendors so. gerri: i got to tell you, this courtrooming that we're talking about, this isn't something that with just at&t just did. this happening almost every single year. there is a big phone company gets charged with this. and that's why i'm just a little circumspect about this whole customer consumer victory day because i think it took too long, and these companies are getting away with murder. they charged this for years. nobody paid a bit of attention and in the case of citi, that case goes back to 2009. >> yeah. gerri: so, are consumers being protected enough? are they getting their backs watched? i mean at end of the day, social media is their biggest tool. social media is the biggest thing that will allow to you complain publicly to get changes you want. does there need to be more done for these people? >> as i stated earlier this all should have been done by

internal audits. they shouldn't have to wait for clients to complain to the government and file lawsuits. the internal auditor is supposed to find this stuff. gerri: they have to do a better job. randy, thanks for coming on. >> thank you. gerri: from the company doing the wrong thing to amazon. more amazon shoppers are getting hit by the taxman. minnesota and maryland becoming the latest states to levy sales taxes on samamazon customers. as numbers mount will amazon lose out? plus where should shoppers take their money are to the best deals. joining me a personal finance expert for cannoli, an internet marketing company. andrea, welcome back to the show. >> thanks for having me. gerri: we're seeing big numbers here. 69% of the americans will be paying sales taxes on allison good in 23 states. what is going on here? >> well amazon is quickly expanding and growing. they're building more distribution centers in urban centers. and they're looking to create

speedier delivery service. unfortunately due to a 1992 supreme court ruling where, which allows states to apply sales tax to any retailer with a physical presence in their state, means when amazon expand and builds a warehouse in a state, they do have to start collecting that tax and amazon can't avoid that obligation. gerri: well, i think more and more people are, you know, involved in paying this we have a map of all the states where folks are being charged. do you think more states will be added to this list? amazon has been expanding for some time. every year they're moving to another state. do you see this expanding further? >> they already announced they will be building a warehouse store in south carolina in 2016. and there is also speculation at that they will be opening some web sales office in ohio. so those are two other states that will be looking at this. but more pressing is, the

pending expiration on december 11th of internet tax freedom act which prohibits states from collecting or setting up an internet tax. congress may be moving forward, implementing the market fairness act which would actually allow states to collect sales tax on any online sales, whether that retailer has a physical presence or not. that is something else we need to look forward to and look out for. >> well that is not good news. happy christmas to you, right? this is all coming out right before the holiday. something else going on i want to talk about with amazon. new studies showing that amazon's prices are getting undercut. start with target and walmart. target prices 5% cheaper. walmart 10% cheaper. i still think amazon was the low-cost provider but not so. >> seems like you can find cheaper prices by comparing. you have to look out for it.

these retailers are fighting back. for a long time they were undercut by amazon. they're looking for new strategies to rake in sales. not only are they trying to lower and beat prices with amazon, we're also seeing other tactics. target, for instance, is ramping up for the holiday season with exclusive product lines. tom's, for instance, designed 50 exclusive items for target available in november. walmart is really ramping up with free ship to store. so you could pick up good as early in an hour if you order online. much faster than amazon can deliver. we'll definitely see these competitors heating up with pricing wars. >> want to show a couple other full screens so people get a sense of the study because it is fascinating. if you look at the category clothes and shoes, coles 23% higher. kohl's. there is lot of competition out there in that category. amazon getting undercut by a lot of players. look quickly at electronics

because everybody will be pricing electronics come christmas. again, we're seeing lots of competition here. radioshack offering good prices. best buy, target, walmart. so andrea, i don't know if you know this or not, amazon will open a bricks and mortar store of all things, after being the online king in new york city, for the holidays. what do you make of that? >> you know, they're looking to attract customers that appreciate their ininventory and really drive extra sales. it is just a new tactic among many others that they're using to beef up sales. we've seen same day delivery by amazon. it is already offered in seven states in select regions. they're doing sunday delivery via usps. they're looking for a lot of different tactics and during the holidays clearly they can capitalize on those new york shoppers. gerri: i got to he will you they're a smart player. thanks for coming on.

>> thanks for having me. gerri: still a lot more to come this hour including your voice. your voice is important to us. that's why during the show we want to you facebook me or beat me @gerriwillisfbn. send me an email going to gerriwillis.com. at the bottom of the hour we'll read your tweets and emails. next the ebola scare, it is continuing, as the general warns the disease may make its way to the u.s. via latin america. how our porous borders could be putting you at risk. stay with us. [ male announcer ] ours was the first modern airliner,

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is. gerri: fears are growing here at home over ebola spread outside of west after from. a hotel in macedonia is sealed off after a man died there with ebola symptoms a top u.s. general warning deadly virus coming to central america is a real threat. with more on this, dr. bob from newark medical center. welcome back to the show. i will start with good news. we never get good news on the topic. we got good news from texas health officials that a deputy, a sheriff's deputy in dallas, texas being tested for ebola who actually helped clean up the victim who died there, that

apartment, is testing negative that is good news tonight. >> that's great. gerri: does that mean all is clear in dallas? >> no it's not. because we still have the incubation period going on. i'm more concerned about the three people that were with the deceased in his apartment tore those two days after he was sent back from the texas hospital. gerri: well, that is a great point. >> yeah. gerri: other concerns today, secretary burwell saying that we will have more cases in all likelihood, this after the administration said there is no way it is coming to this country. what do you make of the flip-flop and is she right? >> i think she is not right. i think we are going to see cases. we're prepared for cases. most of the hospitals -- gerri: she is saying there will be cases. >> there will be cases, yes, so she is correct then of the there will be cases in this country. there no question about it. we, the world is very small. people are traveling. we're very cognizant in our emergency rooms about people who come in with diarrhea, vomiting, who are or have traveled to west

africa. even some that have not admitted to traveling to west africa. as you know our airports are now screening people. i don't know what that is going to do because they're looking for temperatures -- gerri: may not exhibit a temperature. you may have ebola and not know it. >> you have to be pretty far along to have a temperature. that is imminent danger. gerr about south america and this warning from general kelly, that that door is wide open. our border is porous. why would south america display ebola? why would it go there? >> there are many west africans who are trafficking across our border with drugs. there is a sex trafficking ring. there are at least a dozen or so west africans who are caught i guess weekly coming across the border. so our concern is if the disease appears in latin america or in the caribbean, places like haiti, or other island in the caribbean -- gerri: what a nightmare. >> then we have a real problem.

gerri: what is the state of medical technology in south america generally? >> in some of the developed countries like argentina has has already been on high alert and brazil the technology is fairly good. countries in central america, guatemala, honduras, not that great. gerri: today, cabin cleaners here in the u.s. today walking off the job because they're nervous, they're worried about getting ebola. they say they come into contact with all kind of disgusting things. vomit, blood, as they clean up airline cabins. hard to blame them. >> yes. gerri: what are we going to do? these airlines planes are not clean. >> knows most of us are not away of what goes on in the seats and tray tables that we sit at. we don't realize that these planes are not scoured but maybe once every 60 flights. you're sitting in a bowl of germs. the kicker here is, that for the most part we have fairly good immune systems. we have good resistance but i don't blame these people for

being concerned because they have got to clean up these restrooms. you know what a restroom is right after six-hour flight. gerri: much less 60 flights. >> that's right. it is a disaster. gerri: tell me, what would you advise people to do? >> i advise people to have confidence in our health care system here in this country. i can tell you personally i have spent a great deal of time at our own hospital gearing up, learning how to don the masks and various tie best suits we'll be using for suspected cases. tie vex. doctors are alert what they have to be aware of. i will not induce panic n this country we you had should be able to handle anything that comes our way. i'm not so sure about other countries, however. gerri: you at newark hospital are right next to one of the big airports. >> right there. gerri: that is targeted, one of the five. thanks for coming on, bob la heat at that. >> always good to see you, gerri. gerri: fox business's jeff flock is at o'hare in chicago, one of the five major airports to

prepare to start screening passengers from west africa. there he is, jeff. when will o'hare start this screening? >> o'hare and four other airports will start not till monday, gerri. although jfk is one that will start on at day. but a lot of people will come through without being screened. these doors you see behind me, they open to average of about 50,000 travelers a day from overseas. on monday they start the screening which includes having their temperature taken. they will have to answer questions on their infection risk and their exposure perhaps to ebola. and there will be a visibly assessed for symptoms. i want to show you what the screening will look like, at least in terms of the device they will use. it is not a thermometer that goes into your mouth or any other orifice. it is one aimed at you kind of like the order of a radar gun and gets a reading n terms of anyone who gets a positive reading, that is to say is

running a temperature, the cdc begins to get involved. up until then it is just border patrol, the people that protect the borders, customs and border patrol officials. they will conduct the initial screening. if somebody raises a red flag they will then be allowed to continue to travel or be sent to a hospital, or will have to be monitored going forward if they have a symptom that they think needs monitoring. in terms of countries or in terms of airports, i mentioned jfk. i'm hear at o'hare. newark is another. hartsfield in atlanta the other. and i can't think of the fifth one now, can i. i should know it. dulles, washington, there you go. all five. this is 90 to 59% of all the people that come from the three countries in question. tell you, if you look at the numbers, gerri, it is a very small number of people who will be screened. only on order of about 150 people a day come to the u.s. from those countries.

that's compared to 247,000 daily arrivals all across the country. so it's a fairly small number. here at o'hare, expecting average of 30 people to be screened each day. we made a big deal out of this. that is actually going to be not that many people that wind up getting screened. gerri: got to tell you, jeff, that is like a needle in a haystack trying to find folks as they come through. they saw a picture of a thermometer you were describing. have you seen one first-hand? does it work well? sometimes these devices aren't so easy to use? >> we asked if we could see it. we asked is it here, can we see it. they said yes, we have the device here but we're not showing it to you at this time. some doctors say they are fairly accurate but, you know, the other piece of that of course even if you get a positive reading or don't get one, the fact is you can have ebola

without displaying the symptoms yet. so, how effective is this ultimately? at this point we don't know. gerri: we want toe no what he you think. here is our question tonight. is the ebola threat changing the way you travel? go to gerriwillis.com and vote on the right-hand side of the screen. we will tell you the results later in the show. hackers are taking aim. more than a dozen financial institutions why didn't they make it in this time? will they try again? we will answer the question how you do that? we'll have advice for super savers where to find higher yields. stay with us. ♪

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gerri: stock market sinking today after posting biggest gains of the year. all three major indexes closing in the red. dow closing down 334 points after soaring 274 the day before. we're looking out for your bottom line with bank rate chief financial analyst greg mack bride. welcome back to the show. this was a big move in the market. i think a lot of people out there like me, normal people that invest for retirement, everything else getting a little nervous here. you said like turning the calendar back to august, losing all the gains since that time. what caused this? why are we having this big volatility period now? >> not just today. we've been like a yo-yo past three days, down, up, back down again. the chief culprit here? worries about global economic growth. u.s. economy doing better. rest of the world not so much. that has investors worried. >> we have rely on markets for demand for our companies whether

europe or china. we are a global economy. >> you said it. we're heading into third quarter earnings. what investors are worried about, how much is the slowing growth in the world, how much is stronger dollar, how much will that impact global earnings? gerri: a lot of people are looking for yield in this market. it is difficult what is going on in the stock market and what is going on in the bond market. look at places where people usually look for yield like money market fund and bank cds. it is pretty yucky. look at these numbers. hopefully we have them up. talk to us about the trend there. here they are. >> we're bumping along the bottom. record low yields for years, yet at the same time money continues to flow into shave safe haven investments particularly liquid accounts, people, gerri, especially like days like this of the stock market. they're more worried about the return of their money than return on their money. they're willing to settle for near zero rates of return because they want the safety and assurance they can get to the money if they need it. >> this is nothing. there is inflation out there. not a lot of it.

at end of the day you're losing money. >> absolutely. the deck is kind of stacked against you in the sense that the fed engineered this environment if you put your money in cash you will lose buying power. they want to incent investors to put money into riskier invests. but if you're a cash investor, even more emergency savings, don't settle for .01%. gerri: what do you do? >> shop around. there are plenty of banks and credit unions willing to pay higher rates of return in order to bring in your deposits. and yet you still have the complete protection of federal des to it insurance. you get additional return without taking additional risk. only place in the investment world where you will find that. but you have to be willing to shop around and send your money to different bank or credit union to get that higher return. gerri: high yield cds, how much are they paying? what can you expect to make? >> contain enthusiasm. talking about yields of one to 2%. still not great. still not going to meet the rate of inflation, low rate of

inflation. but it is 10 or 20 fold better than what you will do if you don't shop around. if you take what is available at the bank across the street and don't shop around you're settling for .1%. gerri: i want more and more and more. where else can i go? what else should i look at? >> important for investtores, particularly those generating income across the range of your portfolio. don't just look to cash or safe haven low volatility investments. you can and should be garnering income across the portfolio including things like high quality bond, preferred stocks, dividend-paying common stocks, real estate investment trusts. well-diversified portfolio. you could pull income across range of investments. >> thanks for coming in, greg. >> thanks for having me, gerri. gerri: coming up the money coach is back to offer help to one of our viewers. you will want to see that. next cyber attacks against american banks are wider than first thought. more than a dozen financial institutions were hit. is your money safe?

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gerri: when will we find out? the big problem with these cyber hacks, the customers are always last to know. that means you have to wait to protect yourself. you can't do anything about it. you don't know what is going on. we're in the dark and some investigators has the answers. why can't we find out? a really good question and sometimes these things do take longer to investigate than you would originally expect. most people say, it can take three weeks to a month until you really have a firm idea, you know, what is going on. that puts companies in very difficult position. as you said, consumers don't want to be and shouldn't be in the dark. on the other hand companies are worried about saying something they may not be certain of.

you could create a false panic or think everything is fine when it isn't. in some cases u.s. law enforcement decide, we don't want to let bad guys know how much we know. we're still investigating this case. gerri: right. >> and so it is a very tricky dance. i talked to people almost every day about this and you know, everyone has a different answer. not something we have come to agreement on. gerri: talk about the companies that were, had hackers try to break in. these aren't necessarily companies that had customer data breached, and information stolen but where the hackers went to. what companies are on that list? >> so there were 13 total. that include jpmorgan chase. again that, we should say, probably at least 13 total. but that was where it stood as of yesterday evening, when we were talking to people close to the investigation. you know they feel pretty comfortable aing, companies such as e-trade, fidelity investments, they were targeted

as well. you know, adp, the payroll company has said it has seen traffic. from some of these internet addresses associated with this cyberattack. however, investigators are still figuring out exactly what happened there. so this is very, very fluid situation but it is -- gerri: okay. do we know who the hackers are? are they from russia? everybody thinks they're from russia. is that true? >> unlike old-fashioned crime it is a little harder to figure out who had their fingers on the keyboard. you can make yourself seem someone else. most of the folks i talk to this has harm mark of at least russian-speaking cybercrime which may or may not be in the country of russia. whether or not the russian government had any involvement, that is not something even the highest levels of government know yet. gerri: of course we have federal investigations going on right now into this thing. i believe we first got got wind of this way back in july.

when will we actually get chap every and verse on this? when will the american public know actually what happened and who is at risk? >> you know, i wish i had a firm answer for that. on of these cases these investigations take years until all the details become public in a court complaint. you know, if the past is any guide to this, i think coming month or so, we should be getting a lot more firm details. you know you can bet not only "the wall street journal" but every other publication is digging into this. gerri: danny, we hope you come back to tell us about it when you learn new details. thanks for coming on tonight. >> thanks a lot. gerri: now we want to hear from you. here are some of your emails on the white house's response to isis. paul from tennessee says, obama is doing nothing to guaranty the safety of the american people. a lot of people feel that way. patrick from washington agrees. obama needs to get a backbone and pull his head out of the sand. that is certainly clear as a bell. vick from missouri, i enjoin

your show immensely. continue great work you're doing. vick, thanks for that. we love hearing from you. send me an email. go to gerriwillis.com. when we come back tips on winterizing your home and important advice from our money coach. here is your consumer gauge. take a look at numbers that mean the most to you. we'll be right back. (vo) watching. waiting. for that moment, where right place meets right time. and when i find it- i go for it. (announcer) at scottrade, we share your passion for trading. that's why we give you the edge, with innovative charting and trading features, plus powerful mobile apps so you're always connected, wherever you are. because at scottrade, our passion is to power yours.

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your aspirations, our analytics. your goals, our technology. introducing synchrony financial, bringing new meaning to the word partnership. banking. loyalty. analytics. synchrony financial. enagage with us. gerri: the time is now to team up with our money coach to help you, at home, answer your financial questions. tonight, we have someone with a portfolio that dropped more than 30 percent after the market tanked in 2008. who could forget that? now, he wants to know how he can protect his money if it happens again. joining me now is. and coaching him is -- and the authority future is brighter than you think. i want to say welcome to

you both. and mark, i'm going to start with you my friend. so like so many people, everybody, me everybody in this room right now. you got hammered in the 2008 selloff. tell us how much you got hurt, what your response was and what do you want to know? >> well, i lost 35 percent out of my 401(k) and my wife loss probably 25 percent out of her 403b account. and we're worried about that on over the next 12 years when we retire it could be multiple corrections. are there strategies for us to you use in the coming years to avoid those corrections and i'm no market timer so i'm looking for something that could help me to keep more of my money. gerri: i appreciate what you're saying. so you're 53. you're thinking i've only got so many years to retirement.

you're probably making decent money because you're an engineer. i want to talk to you and tell us what mark should do to grow his nest egg and make sure it's safe. >> to realize what you've experienced is what a lot of people experienced. the aftereffects of 2008 was so painful, a lot of people are worried that would happen again. while 2008 might have been normal, market corrections are totally normal and totally healthy. you should look at them as opportunities. it's not natural to look at it in that manner, if markets do drop 30 percent and you're sitting in 60 stocks, 40 bonds. you may have cash, you may have real estate, some other type of things. at that point when the market would correct, it just became cheaper. what you should look at then, instead of what most people would do,

they would sell their equity positions. you should go from a 60/40 to 70/85. taking it to buy low and move it back up. when the market goes back up, readjust it. gerri: what do you say to that, mark? the market is tanking right now. we've had several down days. do you have the stomach, the gut the wherewithal to get back in and buy stocks? >> well, i think i would be willing to do that, i'd have to have a strategy of where i'm buying for sure. and i might have to ratchet up my contribution as well at that point. not just reallocate. gerri: okay. >> i think that's wise, mark. i really do. gerri: fill him in here. should he be buying an index fund. >> part of my book, we're in a prolonged secular market. we're in the first leg of that bull market.

when you get to these later stages, you can't really do an index anymore. you've got to buy individual positions. maybe in financials, maybe in energy. might be a more attractive way to do it. gerri: you're saying, look at the things that performed the worst and buy that. buy the dips and sell the rips. i want to show folks some numbers and, mark, i think you'll appreciate this. so if you had bought at the bare market low march 9, 2009 and held your position, do you know how much you would be pick up, 154 percent. if you got the s&p index you would be up 185 percent. so the market rewards the people who can really put their money on the line and go against the herd. right? >> that's 100 percent correct. i refer to it as the wall street waltz. the market is fairly predictable in the long

run. the market -- gerri: i'm with mark. mark says he doesn't like market timing and i don't like it either because i never know what it's going to happen. do you know, mark? >> i've been unsuccessful. gerri: well, it sounds like you got hurt no worse than anybody else out there, but i feel your pain and i thank you for coming on and sharing your story and talk about with us what you want to do with your goals. curt, thank you. appreciate both of you tonight. if you have any questions, just go to our website. drop me an email. gerri will us.com. time now to look at stories you're clicking on tonight. it's been a rollercoaster of a week on wall street. stocks falling sharply today. a day of the market had the biggest gain of the year. and they shrugged off news on the job market is the men. the labor market jobless claims fell by 1,000 to

a seasonal adjusted two 280,000. that makes it the lowest level since 2006. activist carl icahn is taking another swing to get apple to buy back its stock. it was outlined to tim cook. charlie asked him about that today. >> besides this letter, are you going to meet with him any time soon. >> i hope so. i talked to him two nights ago. told him glad it was coming. we had very good conversations. i'm not at liberty to say what he said except that he believes in the value. and i personally believe that ebledz, but he has not said anything about it. i believe they should be doing a bigger buy back. the billionaire promised not to offer any of his 53 million shares in the repurchase. pepsi reporting a higher profit. the company says snack sales declined by

3 percent. hurt by a new tax on junk food. similar taxes are being proposed in california. those are some of the hot stories right now on fox business.com. still to come the temperatures dropping outside. we'll tell you how to save money on home maintenance. stay with us.

gerri: fall is underway and it is time to prepare for winter. earlier this week we told you that the energy department is expecting heating bills to fall across the bored from

now through march. whether your home has natural gas, oil, or propane. if you want to bring your heating oil even earlier -- all right here is my questions because i have a house and i'm trying to figure out how to do all this. do you wait until the weather changes and maybe you got one of those days where you're below 32 degrees. what's the best timing. >> it's better to do it sooner than possible. everything you do is going to help you all year long, but right now you're concentrating on trying to keep that cold air out of the house. gerri: let's walk through the honey do list. the ultimate honey do list. so we've got our outlet gasket covers. what ist? >> this is something a lot of people don't realize i'm telling you get so many cold air around your outlets, those located inside the outside walls. less than $15 you can do your entire house.

gerri: you just stop that air from coming in. >> exactly. same way with calking you want to seal every crack you possibly being. you don't to have go back and paint it. you can just caulk it and you're done. gerri: weather stripping is always good. we talk about that all the time. i think people are familiar with that one. atic stairs what is that. >> your disappearingatic stairs is only a quarter inch of plywood that's all that's keeping the hot air that's actingase chimney. that hot air goes into thatic. they only cost $40. they're available everywhere. gerri: very easy. isolation pipe. >> pipe isolation is good for a couple of reasons. you're losing btus so it's costing you money. if it really drops down and it's really cold, and those pipes burst,

it's going to cost you a lot of money. gerri: you got to get ahead of this. you estimated even as much as 30 percent in heating costs. you're going to have a low bill you're driving it even lower. >> you think about the average utility bills for houses is around $2,000. 55 percent of that is going to heating and cooling your house. so attacking this area and this system in your home makes a big, big difference. you can get your money real quick. gerri: it's super cheap. only one thing is more than 50 bucks. >> right. the total of everything we're talking about is only $150 and you can get that money back in three to four months. not only that, your family is more comfortable. you feel pretty good because you did some good things to your house. gerri: what's the biggest mistake people mistake. >> they'll usually inslate things they shouldn't do. don't inslate under your

house. but cleaning the insulation in youratic is the best you can do. gerri: thanks for coming today, danny. you're on set. i love that. pep." we'll be right back with my "2 cents more" and the question of the day as the ebola impacted your travel plans. stay with us.

gerri: a new survey shows nearly 60 percent of americans want to cut off lights in west africa

that would end up in the us as the ebola threat impacted your travel plans? 58 percent of you said yes. 42 percent said no. log onto gerriwillis.com for our online question every weekday. a big mac this is not what it is is the world's most expensive hamburger clocking in at nearly $1,800 the glam burger is made of a tenth of new zealand venison. and i'm not done. there's about a logo acavier. and a hickory smoked duck egg. and there's no ketchup or may zero. it has champagne and truffle juice. it's a publicity group to celebrate its 5 million yeth food bash. if you want to show off your big bucks go to

honky-tonk in london. we talked about the so-called consumer vairkts over big corporate titans like at&t and city group. the win was a financial settlement in both cases, but let's be clear here in the case of site, the bank overcharged people six years ago so only now are people getting their money back. at&t was cramming bogus charges for things they never asked for and it's not the first time. t mobile faced similar charges recently yet this goes on going. consumers because of social media have more power than ever it's far from an even playing field. companies are trying to ring a few more dollars from consumers and unfortunately it's still buyer be aware because the regularities are always behind the curve. that's my "2 cents more." thanks for joining us. don't forget to dvr the

show if you can't catch us live. coming up, making money with charles payne is next. stay with us for that. charles: i'm charles payne and you're watching making money. some huge news stories today. tests results are in for a second person being tested in dallas. a battle for kobani rages now. leading big time airstrikes against the isis positions. rich is live in washington, d.c. with the latest. >> good evening, a sheriff's deputy reporting ebola like symptoms does not have the disease. the deputy had been in the apartment of a man who died of ebola yesterday. that patient traveled from liberia to dallas and the officials said he began showing symptoms after he arrived in the united states. and rioters is reporting a prague hospital is checking a czech man.