they will listen closely as always to ceo marisa mayer on the conference call. she is expected to announce a new plan for the company. anything alibaba related we'll report. "willis report next. >> imgerri willis. coming up today on the show. apple set to move markets tomorrow morning after they report blockbuster earnings report just a few moments ago. we'll have details. thomas duncan's family may now be in the clear on ebola but officials in dallas are still monitoring more than 100 people who had contact with another victim. plus a look at what the virus actually does to your body. shoppers are scared. that is what a new survey says about retailers that have been hacked. so will you be staying away this holiday season? "the willis report," where consumers are our business, starts right now. gerri: we begin tonight with apple earnings. once again beating analyst expectations. apple reported earnings per

share of 1.42 on revenue of $42.1 billion. that for its fourth quarter. the bottom line handily beating wall street expectations. here with more is fox business's cheryl casone. cheryl, your reaction to these earnings? what are you finding new? >> i think it is real interesting to see not only how the stock is performing and it is heading higher in after-hours trading we'll see how it opens 9:30 eastern time, but the break down what they're selling and not selling. it is all about the iphone. sales up 16%. units coming in 39.3 million. that was a strong beat. ipad, gerri, not so much. they only sold 12.3 million. mac sales were look strong. ipad sales down 13% but profits up 13%. ipad there is pressure there with the ipad division. that is one of the things i was watching. gerri: cheryl, what about the iphone 6?

i know it was out only 11 days before the end of the quarter, did it have a big impact on results? >> the fact it did because the cfo said we saw stronger interest and more sales numberswise than we thought we would in just those 11 days for the iphone 6 and 6 plus. also remember, they just got into the chinese market and the cfo came out with a little comment that got some eyebrows raised. he said, look, china has been strong. we're seeing more of an uptick. they're going into india. these countries where you have a billion people that are embracing apple products, that is actually a huge development for the company. for samsung, other android devices are usually more popular overseas. we love our ipads and everything here in the u.s. but overseas they have been more about the samsung androids. this is all good stuff. really quick, gerri. you and i were talking about this earlier. our conversation this afternoon about the macs. that was actually dead on, gerri. those mac sales coming in much

stronger than expected. a lot of buzz about that right now. desktops, who is buying a desktop? guess what? these customers are. and marc sales up 21%. maybe we're not getting big innovation but now the desktop and iphone and ipad can all talk to each other and communicate better with the new operating system and that is a good thing. >> i priced those imacs the other day. there a little rich for my blood. i'm shocked how much they were. were there any hints about new products? >> we didn't see any hints about new products. one thing they talked about i thought was interesting, partnership with ibm. ibm got badly hit today. that was the biggest loser on the dow. they will develop new cloud services with ibm. if anything happel's quarter might actually help ibm, excuse me, when the markets open tomorrow morning. we'll see. >> cheryl, thank you for that. >> you bet. gerri: well the latest headline for apple, a promise the revolution the way you shop and one that could drive the company

in the future, apple pay starts today. the new software touted by apple touts consumer convenience and security and will it do either? we have the editor-in-chief of contently and founder of identity theft 9/11. joe, i will start with you. what do you make of this technology? will it make a big deal? >> it is a lot more exciting than a smart watch to me. people, they aren't excited about mobile payment devices necessarily but they do love to buy things. gerri: that's right. >> they do love to save time. if you love convenience this brings all three things. gerri: adam, to you, i know you looked at this. i actually did it today. i went out to a store and did it. we'll show you video in just a second. what do you make of the technology? is it all it is cracked up to be especially in security? >> the biggest problem, this is work in progress. we don't know yet.

removed credit card numbers from the equation. removed unique identifiers. gives security codes dynamically generated and codes that are dynamically generated. so you're keeping the data out of files of retailers which is the positive. gerri: hopefully out of files for hackers but i was telling people today, there are a few fellows in moscow russia trying to figure this out. i want to show you what we found and went into the field to test this technology. take a look. okay, so here we are, we'll use apple pay. here is how it works. i order, i would like a grilled cheese. >> okay. gerri: i am going to pay with apple pay, right? so we will show you how we do that. so you go into your iphone 6. it has to be an iphone 6. and you have to go into passbook, right? there is your credit card right there and it will automatically pay now. all you have to do is get it close to the machine? you don't have to tap it or anything? and there you go.

so we were at panera bread. that's where we ran it. i got to tell you, if i can do it, anybody can do it. i didn't have an iphone 6 obviously and had somebody help me with that. it brings up question, not every retailer is accepting technology. how broadly available is it to people? >> right now only 220,000 out of eight million retailers in the u.s. that is one out of six stores. that number will increase quite a lot in next couple months. expect it to make bigger impact than you think from the 1 in 36 number. apple has a huge user base that will do this. gerri: huge user base but you have to have an iphone 6. adam, to you, we showed you six retailers that use it currently. a lot of bankers signed on but i don't see it launching dramatically here yet. what is your analysis? >> i would agree.

android is a huge platform. android is playing around with paypal and google wallet. google wallet didn't take off like they expected it to. apple always made things more sexy and convenient for people. there is a shot that there will be greater acceptance. gerri: can you argue with that? how do you see this getting big question? >> say apple always has been the innovator in the new technologies and in ipad and smartphone people often dismiss at first. ease of use of apple pay, i went out and tried it, it is amazingly simple compared to similar offerings from google wallet and paypal. gerri: more simple than google wallet. adam, say we get a lot of this. the technology is called near field. it is called radio transmissions. it is not all that sexy when you peel it back to take a look. >> right. gerri: can this help us in our effort to get traction against hackers? >> what you're doing with this, you're narrowing the zone of vulnerability. but that doesn't mean that with hackers, you know, every time

something is created, they always seem to find a work around. they seem to have less to work with this time because the numbers are masked. apple doesn't keep data. data doesn't go to retail years that is totally true. >> i think this is a terrific first step and time will tell how widely it is adopted both in the retail community and consumer community. gerri: so interesting. retailers may be impacted less than you think particularly department store retailers because if you have one of those cards that gives you points or something, saks fifth avenue, neiman marcus, macy's, all these companies have those cards, joe, to you, they're not playing, right? there may be a segment of the audience out there who won't watch the technology because they're too busy building up points with the department store credit card. >> that is very possible but at the same time there will be a lot of millenials like me who love walking out the door with nothing but their smartphone and promise that would bring and who will love apple pay.

gerri: adam, last word. >> last thing, that retailers may welcome along with their affinity card. the fact it is not happening right now doesn't mean it won't. just like corporate cards or prepaid debit cards aren't but that doesn't mean over time that won't be part of the adoption process. gerri: sure was super easy to do. joe, adam, thanks to you. now we want to know what you think. do you trust apple play to keep your personal information to make sure hackers don't rip you off? log on to gerriwillis.com. vote on the right-hand side of the screen and i will show you as a result results at end of tonight's show. tweet me @gerriwillisfbn or send me an email by sending an email to gerriwillis.com. at the end of the hour we read the emails. but first, quarantine may be over but more than 100 people are still being monitored in dallas. we'll have the latest on ebola coming up in the u.s. [ male announcer ] some come here

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texas officials says 43 out of 48 people in contact with the ebola victim thomas duncan, they have passed the 21-day monitoring period with no symptoms but 120 others, 120, in the dallas area are still being watched for signs of the deadly virus. here with more on all this, "wall street journal" reporter jason bellini. good to see you. >> thanks, gerri. gerri: seems to go on and on and what is so interesting sort of the mass of this, how big it gets and how quickly. what do you make of that? >> it is interesting. of 120 people, these are people who came into contact with mr. duncan after he was put into isolation. so the ones who have been cleared were ones who with him before he actually was discovered to have ebola, right? and so that includes his wife. she has been cleared but it won't be until november 7th, that everyone who has been in contact with anyone who has been diagnosed will be finally cleared from this list. gerri: what is interesting about this, we talked to a researcher friday who told us according to his own work, people may not be clear at 21 days. it may take 30 days because

different people process the virus in different ways and you might be in trouble later than you think. we treat these in the media as if they're hard and fast rules. they aren't really. >> that is an interesting point. 21 days has become sacrosanct that that is it. we do know parts of the body do contain the virus way beyond that. it could be a sexually transmitted disease well beyond 20 days. gerri: we just don't know. we talked about the cdc changing protocols, expecting some kind of announcement today. we haven't seen it yet. "wall street journal" ran some elements of the changed protocols. what are they? >> the highlight here is that the protocol will be if you're treating someone with ebola you will be wearing protective gear that covers all of your body and all of your skin. i shook my head a little bit when i read that. wait, that is not the protocol. we know how infectious this virus is, if it touches any part of the body. gerri: and deadly. >> exactly. that was a bit of the shock,

that was not the order that came down originally, if you do not let your skin get in contact with someone. gerri: nigeria declared ebola-free. the second african country declared ebola-free. we had a guest on friday who says if this rate of infection in africa does not change, we're going to have 500 cases here in the u.s. in three to four months which would be a big shocker. i want you to explain to us, and you really worked hard on this, how the ebola virus affects you side of your body? we have video that you put together here. let's take a look at that. >> it is pretty fascinating how this works. if you get infected, what happens is the virus attacks cells. gerri: what is that. >> these are cells in your blood vessels, in your capillaries. in your stomach. they're in your -- gerri: they're the connecttors. >> yeah, connectors. the tiny blood vessels, it breaks down the cells that forms

this mesh that keeps blood inside of them. when they split apart, blood starts leaking out. people's eyes turn red and this is gross, blood in the stool. it becomes nasty very quickly. people can become dehydrated. blood pressure goes down. but also main veins and arteries, you have a muscle that surrounds the artery, right? the same cells are attacked by the virus and when that happens you don't have leakage in there, but the muscle tone -- gerri: it loses. >> it loosens. your blood pressure drops. what is happening if you don't get enough blood to your vital organs. gerri: that is what i was going to ask, organs. what happens to them? why do they become incapable of anything? >> it is not that they're attacked by virus. it is because the blood vessels are attacked. they treat somebody with fluids and heart medication, to keep blood pressure up to get enough

oxygen to your heart and kidney and liver. gerri: it is appalling what the virus does to the people's body. you explained it eloquently. thanks for coming on and explaining to us. >> thank you. gerri: later in the show, fannie and freddie announcing a plan to offer mortgages to more americans but will the new standards set us up for problems like we had five years ago when the mortgage market imploded if. next it is designated by the governor's office to be one of the ebola-ready hospitals in new york state. but how ready is the long island jewish hospital system? we'll ask one of the doctors in charge coming up. synchrony financial partners with over two hundred thousand businesses, from fashion retailers to healthcare providers, from jewelers to sporting good stores,

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gerri: hospitals across the country taking matters in their own hand and taking patients and staff safe. the long island jewish health system will be part of eight new york hospitals designated ebola treatment center for the state. we have the chief quality officer. thanks for coming in. great to have you here. i asked you in the break, i said what are you guys doing to get ready? he said we worked all weekend long. what were you doing? >> we've been actually working before this weekend, ever since we knew there would be a problem possibly with the ebola virus, we geared up, started training. mostly making sure we identified people at the port of entry. and we started doing drills and -- gerri: when you say port of entry? mean the emergency room? >> the emergency room. the ambulatory sites. ambulatory surgery. radiology. gerri: you might work in every door of the hospital and you want every department or unit to identify what is going on?

>> yes, that's correct. gerri: that makes a lot of sense. one of my big questions is how is the staff doing? last week we were interviewing nurses and doctors. a lot of nurses were nervous. they feel like they don't understand how to put on the scrubs what they should be wearing. how are you working with the staff? >> we sent out a lost communications. >> you had town hall meetings. >> we have been having town hall meetings at all of our hospitals, all 17 hospitals. we had townhall meetings with senior administration and critical administration. that is going on round-the-clock for all three shifts. >> we have been expecting them today. we haven't seen new protocols yet. there is a lot of speculation what will be included. what is your estimation of that? you told me in the break, we're moving ahead of that. >> we're hoping to hear the new cdc guide lines soon. meantime we decided to two to the highest level of protection available and we started training our staff for that already. so i think whatever the cdc

recommends we'll be prepared for that. >> think you i will be one step ahead of that. that is interesting. i know a lot of people out there are worried about flu season, old-fashioned flu. i'm just curious if there will be falsifying unless out there. that you will get people walking in you think have ebola but maybe they're just flu. how do you make at that determination quickly? >> most important thing about identifying ebola is to make sure they haven't traveled to one of those countries where it is endemic. if they haven't traveled to one of those three countries and they have flu-like symptoms then they have the plain flu. people should protect themselves and not worry they will develop the symptoms and get sick, and whether worry someone will think they have ebola. gerri: do you think people who are worried should come to the hospital or should they go to their doctor? if you're a regular american and you wonder whether you've been infected, should you seek out assistance in a hospital? >> you should always seek out assistance. if you have one of the risk

factors of having traveled to west africa you should perhaps go to the emergency room. if however you're just concerned, speak to your physician, primary physician first on the phone. if he or she is concerned, they will tell you either to come into the office or come into the emergency room. gerri: i have to ask you about the secret shoppers. how did you use secret shoppers to beef up your ebola preparations? >> as i stated one of the first things we wanted to make sure nobody gets into the hospital unrecognized with potentially having ebola, not even definitely but even potentially. we used secret shoppers to test the system. people who, other hospital workers don't know, maybe from night shifts working on day or vice versa. they come in, making belief they're patients with risk factors to make sure they're caught in the system and isolated right away and -- gerri: how did that go? >> it went very well. we scored very high. however we learn ad few things which is important because then the drills help us and we can improve our processes. >> interesting stuff.

dr. mark, thanks for coming on. nice to meet you. >> thank you very much. gerri: coming up we're looking out for you and your money with our financial panel. it is yelp for doctors. we look at a new system allowing we look at a new system allowing you to rate and check on your doctors.e we'll find out about that coming up. i sure hope so. with healthcare costs, who knows. umm... everyone has retirement questions. so ameriprise created the exclusive confident retirement approach. now you and your ameripise advisor.... can get the real answers you need. start building your confident retirement today. an unprecedented program arting busithat 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.

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hi, are we still on for tomorrow? tomorrow. quick look at the weather. nice day, beautiful tomorrow. tomorrow is full of promise. we can come back tomorrrow.

and we promise to keep it that way. driven to preserve the environment, csx moves a ton of freight nearly 450 miles on one gallon of fuel. what a day. can't wait til tomorrow. gerri: now consumers have access to of website comparing and rankings professionals. how to put this site to use, we are asking the strategic adviser for health great dot com and a doctor in her own right. let's start with the broad picture. how large their rankings made? >> well, it is a new, comprehensive site that gives patients information they have not had beforethat isa

doctor's level of expertise, how much experience they have in treating conditions and procedures. gerri: so you can find the right care and really trailed down into what you need and specifically what your issue is, which i think is great. these guys specialize so much. it can be difficult to find someone. maybe it is their shoulder, maybe is the need. >> and 70 percent of patients, consumers, from our research, say if they had information about a doctor's specific experience that would be the most important factor they consider. up until now, the only information people have had to choose a physician is there address, whether they take their insurance and what they specialize in. gerri: how do you get this data?

>> 500 million health care claims. and it gets the information to private sources as well and combines it. gerri: you have a lot of sources. let's look through finding the right doctor. white will you learn about individual physicians? >> eight comes down to three categories. the level of experience. we have information for 600 different physicians and procedures. the degree of patient satisfaction that patients who have seen that physician have had. and three, the quality of care at the hospitals those doctors practice and, which is important to consumers, patients. even more important, we went to doctors themselves and said, how do you decide where to refer your patience. those are the three criteria that they highlighted.

experience, satisfaction, and quality. gerri: you also help choose the hospital. >> when you go into a hospital you want to come out safe and a life and without complication. what we look at is the mortality rate for specific conditions. we look at over 31 different conditions, the mortality rate and, frankly, not all hospitals are created equal. gerri: that is absolutely true. how much will this cost me as a consumer? >> absolutely free. gerri: i understand the government has its own website. medicaid and medicare has a site. shouldn't we use that? >> those sites are a little difficult to navigate. this is much more comprehensive. if the government parses of the data into three different websites. physician david, hospital

compare site with hospital data and all these other websites about how much they're getting paid. it is all scattered. this is a one-stop shop where you can get all that information. gerri: plus, you can get information on whenever your condition is, whatever issue you are trying to deal with. >> eight drives to the detail level. at the end of the day what matters with you is whether or not your physician has treated other patients just like you. gerri: thank you for coming on. a place to go if you want information on providers. now we want to hear from you . basically allowing your smart phone to replace your wallet. do you trust? here is what some of you are tweeting me. almost every company is being hacked. i do not trust it. i use cash as much as i can't. rick says, i trusted as much as a credit card.

is anything really secure? on facebook keep us this, if anyone can change the way we do payments, it's apple. another says just another way to get hacked. some e-mails on allowing cell phones on airplanes. robert palm pennsylvania, how about taxed only, no verbal exchanges. chris from illinois says okay as long as it does not interfere with the running of the plane. cell phone calls in business and first-class on life. we love hearing from you. send me an e-mail. go to gerriwillis.com. when we come back, fannie and freddie getting back to the way they were doing business before the meltdown are they playing with fire? another roller-coaster ride on wall street, or will things slowed down? we are "covering your assets" after the break. here is your consumer gauge. check it out. we will be right back.

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gerri: well, there may be kid news for those trying to buy a home. mortgage giant fannie and freddie close to reaching a deal to expand it mortgage credit. here with more is peter barnes. >> well, hello. the regulator has reached an agreement in principle with the nation's banks that could gated more mortgages to more home buyers. banks have kept lending standards of very high to protect themselves against mortgages that might go bad. they generally approve loans only to those borrowers who can make a decent down payment and have spotless credit -- spotless credit

scores. fannie and freddie collapsed in 2008 and required $190 billion taxpayer bailout. did they not only tightened their standards, they went after the banks for damages for poor underwriting forcing them to pay billions in settlements. no one wants to see this again, that days of bad mortgages and big bailouts. but some groups have been lobbying fannie and freddie regulator to revise its rules someone to help make loans available to give borrowers who may not be perfect. >> we have cited to move

mortgage finance back to a responsible state of normalcy , and one that encourages a response:00 enclosed is credit-worthy borrowers while maintaining safety and soundness of the enterprises. >> technically they are agreeing with banks on what kinds of mistakes and loans could trigger future penalties. lenders say uncertainty had encouraged it tougher underwriting standards and discouraged from making loans. separately the fhfa said fannie and freddie are working on new programs to guarantee loans with down payments as low as 3 percent, something they once did but stopped after the crisis. gerri: mind the concern is that it could cause another housing bubble. >> some variation of the word responsible eight times in his speech. and what he says he is talking about is, you know,

if a person has one being on their credit score or might have missed one payment, they are still pretty responsible. but reuters breaking news columnist is one expert worried about creating another housing crisis. he wrote, too much emphasis on helping consumers borrow rather than insuring lending is prudent helped inflate the last bubble. there are concerns. gerri: thank you for that. well, wall street rallying across the board after a roller-coaster ride last week. earnings season is heating up. should investors brace for a turbulent week ahead? where "covering your assets" . welcome. i will start with you. we talk about the volatility. we have 20 big companies

reporting this week. apple. which will move the market than most? >> you know, apple just reported and crushed it. amazon coming up, ford, proctor and gamble on friday it generally speaking, most companies are reporting solid earnings. gerri: boeing, at&t, microsoft, amazon, ford, big, big companies. what are you expecting out of this? consensus third quarter earnings growth is up. do you agree? >> well, we will find out by friday. if it is true, then this is a good quarterly earnings season and could be that the market has calmed down a bit and we won't get a repeat of last week. if we get surprises on the downside then we can see more of last week all over

again and possibly exacerbated. gerri: one of my big concern is because last week we were talking about global slowdown. what is going to be the nexus of concern now? what will they we -- be worried about, that traders? >> i think the ongoing ebola issue, i think that will take precedent. over this past week there were new cases reported. on an ongoing basis, you have a lingering threat. i have been saying this for about two years. i think their resilience of america has been tested over the last year, with things like russia, israelis, the flare-up in the middle east. until the fed starts to raise their rate there is no where to go in the market

except the stock market. for that reason alone traders and the public in general have nowhere else to go. gerri: you are a bull. david, i do not think you are as optimistic. tell me about your ceases. what do you see happening in the market, david? what is the underlying sentiment? >> you have seen volatility increase since september. a 200 points wing, 300 points when. that is because, i believe, people are concerned about what happens when quantitative easing finally ends and this cyclical bull market, every time we have had quantitative easing the market went up. so with the bull market already having lasted five and a half years, large investors are nervous. that is why this year index is at a record high. gerri: allen, a jump in.

when a finger on the trigger. why isn't that true? i know you do not agree. >> i'm sorry. people will be selling, is that what -- gerri: david says professionals have one finger on the trigger because we have had so much volatility, slower economic growth. what gives you hope? what makes you feel that the market can only go up? >> really because the u.s. economy generally is still robust. yes, there has been some slowdown and headlines. there is nowhere else to make money right now. gerri: alan, how is it robust? robust is such an aggressive word. 45 percent growth, but that is not where we are at. >> i should rephrase that, compared to the rest of the world. so compare it to the rest of the world and there is nowhere else to put money right now than the u.s.

market. i am not a big believer. gerri: okay. one more thought before we go. david, i will turn to you. oil prices down dramatically , and i mean dramatically. is that going to make consumers spend more? we keep waiting to hear. >> well, that could certainly help the market if they do spend. unfortunately, what has happened with a lot of the extra cash is people have used it to pay off debt, to invest and not spend. but in theory it puts extra cash in their pockets which is a good thing for the average american. gerri: from your lips to god's ear. grow, grow, grow. thank you for coming on tonight. >> thank you for having me. >> thank you. gerri: time now for the stories on foxbusiness.com. ibm reporting earnings today the tech company missed on the top and bottom lines

sending the stock plummeting it also announced it is playing one and half billion dollars in order to a shed its costly chip division. sprint shedding more than 450 jobs at its kansas headquarters. a cost-cutting effort was announced in order to compete better with at&t and verizon. nearly 500 other workers were laid off at the same plan earlier this year. hoping to raise more cash, the company struck a deal with european fashion retailer. it may raise up to a $625 million. and the plan by chiquita to merge it is moving forward. now urging shareholders to vote in favor of the plan. the deal is up for a vote on friday. those are some of the hot stories right now on foxbusiness.com. still to come, my "2 cents

more". and with holiday shopping around the corner, a new survey shows how last year's a data breach is affecting shoppers state of mind. details after the break. ♪ it's monday. a brand new start. your chance to rise and shine. with centurylink as your trusted technology partner, you can do just that. with our visionary cloud infrastructure, global broadband network and custom communications solutions, your business is more reliable - secure - agile. and with responsive, dedicated support, we help you shine every day of the week. ghave a nice flight!r bag right here.

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for generations. remember, all medicare supplement insurance plans help cover what medicare doesn't pay. and could save you in out-of-pocket medical costs. call now to request your free decision guide. and learn more about the kinds of plans that will be here for you now -- and down the road. i have a lifetime of experience. so i know how important that is. ♪ gerri: a fox business alert. the national traffic highway association warning owners of more than four and a half million vehicles to get their cars fixed immediately covering vehicles from multiple manufacturers over airbag problems. it can cause metal fragments to fly out of the inflated

airbags in crashes. so far, automotive makers have recall 12 million vehicles worldwide because of this problem from including an announcement by toyota recalling more than a quarter of a million more vehicles. the recall covers car rose, sequoia's, tundras, the pontiac five from 2002-2005. meanwhile, the death toll continues to climb in that general motors ignitions which recall. at least 29 people have died and 27 seriously injured. he has received 184 death claims since august in more than 1300 s injury claims. big problems. consumers are sounding off on a string of the data breaches. a new survey from credit cards dot com finds nearly half, 50% of cardholders

plan to avoid stores hit by gated breaches during the holiday shopping season. here to weigh in credit card expert. i don't know where you will shot if you avoid those stores. so many have been eight. >> i get ahead kick out of the information. it underscores the breadth of knowledge that consumers have. if you start to eliminate places to shop because they have had a data breached or some sort of exposure, then you would not have very many places to shop. if you expanded that to hospitals and universities and the e-mail, the i cloud, the new celebrity photos. you almost have to wrap yourself in cellophane and sit on your couch if you think you will be protective it. gerri: i was going to make a similar metaphor, not quite that. one of the findings is that

they say they're more likely to use cash. to you believe this? sometimes polls line. people don't always tell the truth. is this one of those things where people have good intentions and maybe it won't really happen? >> you know, i think that you nailed it on the head. good intentions but they may not be doing the right thing if you choose to use crack -- cash over credit for any reason, then that is fine, except for you think it is more secure. if someone steals money out of your wallet, it is gone. if someone steals your credit card, it is the bank's money and it is on their shoulders. it does not come out of your pocket. making a complete conversion of some of credit or even at a cash alternative like a debit card were prepaid debit card is more dangerous than using a credit card gerri: i have to say, i

think cash is a great way to go, but you run the risk of someone literally ripping you off, taking your money. we are almost at the 1-year anniversary of the target breached, losing personal information, some of their data. what have we learned? >> we have learned two things. we have learned that the chip and pink card will become a reality because the target data breech served as a catalyst. we are still a couple of years away. number two, what we have learned, and you are right, almost one year removed from the target data breech, no one who used a credit card lost a dime. the laws that protect us from credit card fraud are actually pretty darn strong and very effective. so it is still a pretty safe

way to shop. gerri: i hear what you are saying, but the reality is it -- maybe you are not worried about being ripped off now, but worried about the bad guys getting information that can haunt you later down the road. that is the big concern. i am curious what you think about apple pay. >> no, i like it. i am an apple guy. but here is the reality. crime lax behind technology. when the magnetic strip credit card came out the front stairs were like, oh, my gosh. how will we hacked into this product. applypay will be this same way. it will be safe for a while, but the criminal element will ease of a round it. it. gerri: there are probably guys in moscow right now thank you for coming on.

>> thanks. gerri: we will be right back with my "2 cents more" and the answer to our question of the day. do you trust apple pay? stay with us. ♪ she's still the one for you. and cialis for daily use helps you be ready anytime the moment is right. cialis is also the only daily ed tablet approved to treat symptoms of bph, like needing to go frequently. tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. do not drink alcohol in excess. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long term injury, get medical help right away for an erection lasting more than four hours. if you have any sudden decrease or loss in hearing or vision, or any allergic reactions like rash, hives,

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gerri: finally tonight apple pay it's the latest and greatest toy from the trend setting tech giant. now, you can pay everything with just your iphone or at least that's what apple wants you to think. only one in every 36 retailers are prepared to accept apple pay. that's a tiny amount. to put things in perspective, walmart is not one of those retailers. also, you can't use corporate cards, prepaid cards, or individual store cards like macy's cards. i love the idea, but i'm a realist. bottom line whether you pay with apple pay or a

smart phone app nothing supplants checking your bank account and credit card statement every week. that's my "2 cents more." that's it for tonight's willis report. have a great night. charles payne is next. charles: i'm charles payne you're watching making money. the big board a modest game, but it can have been a o an outright disaster after ibm -- investors gearing up for earnings beginning with huge news out of apple. they reported "after the bell." they blew away wall street estimates. let's go to nicole petallides for the rest of today's market news. >> charles, it was an exciting day on wall street. you saw plenty of up arrows. somehow the market pushed away all the worries about ibm. and ebola. two days in a row for gains for the gow. three for the s&p and nasdaq. it was a