number, right? >> part time number is big in terms where participation rate is going. that's why you want to look at that. >> good to see you, anthony. thanks very much. liz: thanks for joining us. "the willis report" is next. >> see you tomorrow. gerri: hello, everyone, i'm gerri willis. tonight, we're getting right to the takata recall scandal. the japanese supplier behind the deadly airbags refuses to initiate a nationwide recall. this despite the potential for its airbags to explode, sending shrapnel shooting out of drivers and passengers. word from the government tonight? regulators who were supposed have our backs? silence. situation is simple. takata airbags are dangerous. nhtsa said so. takata admitted as much. there must be a nationwide recall to keep u.s. citizens safe. nhtsa must act. joining me to discuss the aaa

ceo. great to have you here. my question for you tonight, is the federal government, is nhtsa doing enough to protect americans? >> i think it is pretty clear they are not. it seems pretty clear for that matter takata is just thumb its nose at the american motorist and that the national highway traffic safety administration. gerri: does nhtsa have the tools its need to go after takata? why aren't they, for example, fining the company? why aren't they, for example, taking them to court? >> well i think there are three questions that we need to think about relative to nhtsa. the first one is, are they sufficiently diligent? do they have the resolve to police the auto manufacturers as we would expect them to? second, the question you just asked, do they have the appropriate tools to do so? do they have the right resources? do they have the right people? and third, do they have the authority required to impose the type of penalty or fines that would cause the auto manufacturers to pay attention?

unfortunately i think the answer to all, i think the answer to all three of those questions is no. they aren't sufficiently vigilant. they appear to not have the required resources, and third i don't think he have the authority really required to get people's attention. gerri: isn't it true the longer we wait without action, without a recall, the more likely it is that americans will die in these cars? >> i think that's right. the longer we wait the more people will be at risk and greater there is, the likelihood of an accident that causes either a serious injury or death. if you think about the fact that we had 56 million recalls in the past year in this country alone, surely it is an indication many things have been left unaddressed for far too long. >> what's the problem? why isn't nhtsa doing its job? >> well i think there, the issues are the three i just suggested to you. i think there is a culture there

that has not demonstrated the degree of vigilance and diligence required to properly police the industry. i'm not sure what the explanation for that is but seems pretty clear they are not as vigilant as we would need them to be. i understand they have fairly limited resources when you think about scope of their responsibilities. they have a limited number of people. i'm not sure he have this the investigative authority and resources that is required. and third, when they do decide to act and impose a penalty, they are limited in the amount of the penalty they can impose. for many auto manufacturers the penalties or fines are nature of a rounding error. gerri: right. >> we need a top to bottom review of nhtsa and how it functions and that review needs to be conducted not by nhtsa but some third party independent of the administration. gerri: we don't have time for review, bob? these cars are out on the road now. people could die on the road

now? people need new airbags. takata doesn't want to comply. what can we do right at this moment to get the cars off the road? >> well, there are a couple of things we can do. one, we can continue to down the path trying to force takata effect a recall of all the affected units. that can be done. it may take time. the authority of nhtsa, the challenge of auto supplier as opposed to a auto manufacturer may require they take additional steps but that can be pursued. nhtsa can take steps to insure auto manufacturers that sold these vehicles proceed with a recall and their path for doing so is little bit simpler than the path they would have to follow to force takata to take action. then, regardless how we handle this immediate situation, the evidence is very clear, we need a top to bottom review how nhtsa operates, that needs to be done. may not solve immediate problem. but done properly, could avoid

future problems of this nature. gerri: bob, i have to tell you, i really respect you coming out on this. aaa is one of the organizations that consumers rely on for accurate information and for help and assistance. we always turn to you, one of the facts though in this case i think can't being third tonight, we've had recalls in this country, one as recently november 13th. 20,000 camaros, recalled. why? because a sticker on a visor might fall off. why can't we recall something with a safety issue? if we can recall camaros because a sticker was loose, it makes no sense to me. >> i would agree, it makes no sense. but i'm not sure what drove the decision to recall cars with a sticker problem. this is clearly one which is far more serious. granted the players in this case are different. that may be part of the explanation. we have a serious problem here evidenced by 56 million recalls

in the past year. we need action both on the short-term or near-term problem we're dealing with but also longer term in the system and how it works. gerri: appreciate your coming on. thanks so much. i'm sure we'll have you back. >> you're welcome. gerri: as we continue to follow this story, thank you. >> thank you. >> well on to eight lear topic, the flu, more health concerns for you and your loved ones. even with the flu shot you may still be at risk. the cdc warning this year's flu vaccine may not be effective. joining me erin tolbert, an e.r. nurse prank tisher in. welcome to the show. good to have you back here. i'm going to get the flu shot but could i still get the flu. >> you really could. the virus mutated. this flu shot protections against two strains of flu ha and two strains of flu-b. we created the.

even if you have gotten vaccinated you still could get sick. gerri: have are you seeing people in the e.r. now who still got sick. >> unfortunately whole family on monday, two kids, three parents, all have the flu. they have gotten flu vaccine. this is something we'll see a lot this year. studies are showing based on data we already have for this year's flu season, when it comes to this strain, flu shot is only effective 48% of the time. unfortunately we'll see lot of people getting sick this year who weren't really planning on it. gerri: should people get the flu shot? is there any value getting it at this point? >> there is still value getting it. there is some cross reactivity. even though the flu shot is not completely effective, it may decrease symptoms if you get sick with this strain of flu. last year, what we saw later in the flu season, late as april, a second wave of flu came. we saw flu-b coming later in the

season. we could see that kind ever thing again. you can't predict with will happen in coming months. may be a different strain of flu later in the season. it is still important to get vaccinated because it could be effective april or may. i would still recommend getting your shots. gerri: it takes quite an amount of time to develop vaccine in the first place. as much as four months. this isn't something the industry can turn on a time, right? >> unfortunate hi it can't. every year in february, experts sit down together, they predict what trains they will see of the flu and they develop the shot based on those recommendations. they have to ramp up to make 150 million doses of this vaccine. that is not something you can change mid flu season. this is something you have to live with throughout the season and next year we can change our recommendations based on what we saw this year. unfortunately kind of a decision that has already been made. gerri: darn it, i like the flu shot. i always get the flu shot. erin, thank you. >> thanks for having me. gerri: now we want to know what

you think. here's our question tonight. have you had your flu shot this year. log on to gerriwillis.com. vote on the right-hand side of the screen. i will show results at the end of tonight's show. we have a lot more coming up a lot more. including your voice. your voice is important to us. during the show facebook me or tweet me @gerriwillisfbn. send me an email going to gerriwillis.com. at the bottom of the hour i will read your tweets and e-mails. sound off on what you're hearing. we want to know what you think. you know it is bad when even white hughes admitting obamacare costs will go up next year. we have details how much more health care costs will squeeze the middle class. how much money do you have in your pocket right now? i have $40, $21.

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gerri: health care costs putting the squeeze on the middle class. another unintended consequence of obamacare has you digging deeper in your pocket to pay for medical care. with more, dr. scott gottlieb, former senior advisor at center for medicare and medicaid services. welcome back. >> thanks. gerri: i have to tell you, the administration is bragging how much they're bending cost curve. turns out they're putting burden on us. how hive is this burden? >> significant. this is trend underway for many

years, shifted to consumers as part of health care plans. health care plans push more costs on to them. we've seen them accelerate in recent years. under the affordable care act the lobbiest, shifted significant amount of costs on consumers. bronze plans, lower cost plans are $6600 for individual and 13,000 for family plan. some of those need to be spent out-of-pocket before insurance kick in. a lot of plans have deductibles that high. average deductible for silver plan $6,000 for family and $3,000 for a individual. still quite high. gerri: absolutely high. bronze plan which is cheaper, up 100 bucks. silver plan, absolutely more expensive, people try to sign up. want you to respond to "gallup poll.." that they or family member delayed health care due to

health costs. is this what we intended for obamacare that people would get care? >> it's a real problem. notion of people directed health care plan where people are responsible for decision an health care choices. that is something pursued in a path to control health care spending. but the idea you ask people to chip in money for discretionary types of decisions, things where they might make a decision about seeking certain medical care where it might not be as necessary. what you don't want to do is expose people to cost of things they actually need much that's what these plans are doing. it is rather indiscriminate. someone might have cans other or chemotherapy could be saddled with tens of thousands of bills. that is what you want insurance to be covering things you need because you god forbid have a catastrophic illness. gerri: i thought this was all going to be so much more affordable? this is so disappointing. none of the promises are coming true. you can't peep your plan or keep your doc. once more you pay a whole lot more out-of-pocket for essentials, not extra fancy

stuff you might want. >> right. the other challenge is that the affordable care act has made the idea of a high deductible health plan with a high premiums and high out-of-pocket costs somewhat politically fashionable at least politically palatable because they need it to make the plan work and to make plans affordable. they have to shift costs on to consumers. the problem with americans with employer provided coverage they will see the schemes get into the employer provided plans. we're seeing same constructs in the affordable care act take hold in the employer provided market. those plans are being hollowed out as well. gerri: i'm already seeing it. a lot of people are already seeing that. the reality is, is that, obamacare just isn't hurting people who have obamacare. it is hurting people who have company-based, company sponsored plans as well. so, i guess insurance companies feel like they can only have one kind of coverage, right? one kind of style, one kind of standard and in the end we're all going to get same thing. >> that is exactly right. that is exactly what is going to

happen. for example the narrow networks in affordable care act, big insurers will not maintain a lot of different kind of networks for different insured patients. one for the medicaid patients, one for the medicare patients and another network for everyone else. that will include obamacare and people in commercial insurance and employer provided coverage. people with employ every provided plans will see their plans get hollowed out to match what is sold in the affordable care act. gerri: where do we go from here? i can only imagine it will be get worse and more costs to families and a bigger burden? >> the underlying medical inflation hasn't gone down. underlying cost of providing health care hasn't gone down. what has gone down the cost of providing health care to the employers. the reason it has gone down because they're shifting more to the consumers. what you need to do is get the underlying costs of health care down. you need to lower medical inflation rate. we haven't done that and nothing in the affordable care act really accomplishes that. you need more health care for every dollar of gdp you spend on it and we're not doing that right now.

gerri: that is not happening. this is part of a bigger story we're talking about for a week which the middle class is just getting socked. incomes, not moving, flat, stagnant. people have higher costs. higher costs for health care. higher costs for housing. higher costs for food. the squeeze that is on is really difficult for families out there. dr. gottlieb, thanks for coming on tonight. very good to see you. >> thanks a lot. gerri: from obamacare to medicare. millions of medicare advantage customers have just three more days, three days, to pick a coverage plan for next year. the annual enrollment window closes on sunday. now insurers frequently tweak their coverage so this is main opportunity that most folks will have to adjust their coverage. but this year bringing even more changes, not just in the details. according to the kaiser family foundation, 4% of medicare advantage enrollees, nearly half a million people, will have to find entirely new coverage for next year. that is because their current plans are getting axed.

all in all, 60 million americans have some form of medicare advantage. you can blame obamacare for those cuts. coming later in the show we'll take a look at even more empty promises at va. next farmers across the midwest outsmarting wall street. jeff flock with a live report from illinois and the reasons why they still refuse to sell. ♪ could protect you from cancer?

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gerri: well, farmers across the midwest harvested huge crops this year but many are outsmarting wall street trading firms and refusing to sell those

crops. with me now, fox business's very enjeff flock. he is oust sighted after grain elevator in illinois. jeff, why are these farmers sitting on massive supply? >> like 2.5 million bushels that i'm sitting on right now, gerri? because the price was low. they didn't want to sell. they didn't have to sell. so they decided to store it. look at all this this corn is just laying here. they're blowing air through it to keep it from spoiling. this kind of makeshift storage enabled them to hold on to corn. this is three football fields long, this makeshift bin here, four stories high and you know, it's enabling them to hold on to it until prices rose. because everybody held on to it, prices went up. the hedge funds and commodity funds that, i think prices are going down, we're going to short corn they have taken a hosing. look at one fund, a pretty good fund, global ag. they said to investors, we anticipate with the open harvest

weather a negative fundamentals that would prompt heavy selling by the farmers. it is a bias however that did not prove correct. no kidding. global ag, a big fund with $200 million under management, they lost 10% over the course of the year and 20% in october alone with this big bump up in corn prices. i have got curt kimmel with me of bates commodities. he is one of the smart guys. you counseled farmers, you told them hold on to your crop. what made you so smart. >> i don't know if i was real smart. kind of lucky a sense the market went quite lower month of october. basis is wide. made sense to sit on it to see what happens in the winter. the trick is trying to sell it higher later on. >> how long can guys sit on top of this? a lot of fund lost a lot of money. if we put up a lot of fund, it wasn't global ag. barwani lost 20%.

global lost 20%. attain fund lost double digits. how long can farmers sit on this. >> he will run into cash flow needs into the first of the year. fuel bills, seed bills. >> bills coming due but a lot have cash and can afford sit longer. >> that helped them this fall. once spring comes around they will be willing sellers. >> tell you, but so far, gerri, i will tell you, they have really made money. we have had 50-cent jump in the price of corn during a time of the year with heavy harvest you never think that would happen. that is what happened this year. farmers got leverage. gerri: i love this story. its awesome. have to ask you, tell me more about the farmer's wallets. is it worth it for them to store the grain? how long can they hold on? >> that is a great question, i will ask curt that. the cost to store this, how much is it by the way and does it make sense for farmers to store? >> farmer storage is relatively cheap once you have the facility

paid for. here at the elevator ranges from 15 to 20 cents but that takes you to january 1. >> 15 to 20 cents a bushel. if you get 50-cent bump you do the math you made money. >> it paid to store corn this year. >> curt, appreciate it. smart farmers. sometimes they're smarter than smart guys on wall street. gerri: jeff, you got that right, my friend. i got to he will tu that shot of you on top of that corn is something else. thank you. >> isn't that something? my gosh. stocking feet to. i don't want to cut a hole in their tarp. >> thank you. >> thanks, gerri. >> time now for a look at stories you're clicking on foxbusiness.com. stocks have been struggling to get out of the red today, slipping after comments from the european central bank president. the bank president says it is stepping up preparations for more stimulus but not until next year. barnes and noble ending agreement with microsoft for the book e readers.

microsoft paid $300 million for more than 17 1/2% stake in the nook business. in return the e-reader would use windows products. barnes & noble is hoping to split off the money-losing e reader by end of next summer. according to ap some cybersecurity experts say they found striking similarity in the code used in hack of sony we talked about and attacks blamed on north korea targeting south korean companies. the attack on sony gave access to unreleased movies and personnel records and technical documents. neither the company nor the fbi are officially confirming the north korean link. amazon launching its own line of diapers and baby wipes exclusively for prime members. new line called amazon element. new items will say they were made and where ingredients were purchased. those are some of the hot stories on foxbusiness.com. many coming up next with more problems at va with empty promises to prevent veterans

privacy and homelessness. they said it couldn't happen but gas prices in some parts of the country are hovering have around two bucks, $1.99. how low will they go? ♪ how could a luminous protein in jellyfish, impact life expectancy in the u.s., real estate in hong kong, and the optics industry in germany? at t. rowe price,

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or any allergic reactions like rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial. gerri: tonight, our nation's heroes who have served this country are getting let down again by government bureaucracy. two separate watchdog reports shining a light on massive problems plaguing the system. pete, the ceo of concerned veterans for america. he served tours in amphibianafghanistan, iraq, and guantanamo. thank you for joining us. you know, look, so we've had security problems with the computer systems before. what's happening this time? >> it's the same old --

same old. i wish it was different. the va has failed 15 straight cyber audits. they've failed cyber auditses 16 years. there were massive breaches of personally identifiable records. health care records of veterans. back to review, what kind of patches have been put in place? how things have changed. the va hasn't fixed the system. it has the same vulnerabilities and to the release of highly sensitive veteran's information. it boggles the mind that a government agency can get away with no accountability. can you imagine if a private company allowed its employees to fail this way? it would never succeed. gerri: thousands of people had their information put on the web. share with us the kinds of information that is available out there. i mean, what is being leaked? what is opened? what are people getting

their hands on? >> it is dramatic stuff. i mean, it's the kind of stuff you don't want out there. social security numbers. pensions. information about your address. health records. procedures, health history. all the types of things that are private, personal information. veterans service records. where they were. what happened to them. what they've been diagnosed with. claims they've made. loans they've taken out. very personal information that is accessible to a lot of -- and very vulnerable to breach. and the government cannot lock it down. can't give them appointments on time. now we can't secure their records. gerri: and this just comes literally months after the va system was dinged for not giving people actual medical care. putting them on lists where they had to wait and wait and wait. scores of veterans dying in that situation. why can't we get this

right. is it that we don't care or are bureaucrats out of touch? >> everyone cares -- the va now wears an i care pin. you can care all you want. until you provide real accountability, until people are actually fired, nothing changes. it took seven months for the director of the va do finally be fired after she collected 90,000 in additional administrative pay. that's what it takes when you kill -- when veterans are killed on secret lists under your watch. you can talk about caring, customer service, patching procedures, but nothing changes until a culture changes. this is a bureaucracy that refuses to want to change. we're working with veterans of america. with lawmakers who want to be aggressive about systemic reform. this needs to be started again to put the veteran at the center as opposed to the bureaucracy. they're all treated like numbers. no one is getting the

service they deserve. gerri: pete, you nailed that on the head. i don't know what else to say. talk to us a little bit about the other surface service out there. >> that's right. it was one of the biggest priorities. the first lady has made fixing and ending veteran homelessness -- lot of money thrown at it. lot of events. not a lot of results. veterans are waiting on hold. they're not getting follow-up. not getting appointments. veteran homelessness is not dramatically improving. it's the small organizations in the community that are actually picking up the gap. eagle feeling group does a great job. unfortunately, the bureaucracy isn't doing it, but they're making big promises that get politicians elected, but not homeless veterans a place to live.

another failed promise. gerri: it hurts to hear these stories. thank you for bringing it to us. unbelievable. well, meanwhile, gas prices fall like a rock. in some parts of the country, a gallon of regular is less than two bucks a gallon. 1.99. in oklahoma. parts of texas could be next. one of the biggest effective tax cuts for americans in years. let's bring in john. tell us what does it mean to consumers? >> well, it's going to increase the purchasing power of their incomes. it will leave them with more money to spend on nonenergy items. some welcome relief, but that still will not improve the economy by enough to normalize income growth. gerri: let's go over numbers here. so apparently, according to goldman sachs, no less, very good with the

numbers, what we've seen so far this year in terms of gas price cuts which have come since june is a 70 billion-dollar tax cut for folks out there. it's something like $432 per household if you drill down into the numbers. that sounds pretty dramatic. >> oh, that's pretty good, but given the strange state of household finances, especially for scmidle middle and lower income households a lot of that money may be saved. earlier in the recovery, we did have that break on the payroll tax, and the cut in payroll taxes didn't deliver as big of a lift to consumer spending that had been -- that had been predicted. mostly because of the fact that a good deal of it was saved. gerri: it's so interesting. i know all of wall street was flummoxed by the fact that spending for black friday and the holidays so far has been punk. you seem to be offering

an answer to that question, that maybe americans are trying to catch up with all the pressures that are already on their budgets. >> well, that seems to be the case thus far. holiday sales are off to a surprisingly slow start, given this unexpected decline by energy prices. that being said, we did get a very good number on november car sales. so perhaps consumers are redirecting spending away from normal holiday gifts towards light motor vehicles. still, my sense is that the underlying fundamentals of the us household sector are so weak that we've got to be kidding ourselves if we believe that this savings and energy thing will be enough to normalize this recovery. we'll only normalize this recovery if we realize more in terms of attractive job

opportunities that pay healthy wages. gerri: i agree with that. we've got to have jobs for people. you've got another interesting insight into this. lower gas prices will make inflation look low. so what are the dominoes that fall from that? >> if inflation expectations fall in response to lower energy prices, long-term borrowing costs will be lower than otherwise, even if the fed goes and hikes interest rates the middle of next year. my sense is this latest rock in energy prices will leave the ten-year treasury bond yield under two and a half percent indefinitely. and, of course, that implies lower mortgage yields than otherwise. so in a roundabout way, this collapse by energy prices may help home sales. gerri: wow. lots of impacts. thank you for coming on. >> thank you. gerri: so what can you buy for

1.99. a gallon of gas. but what else? you can still find a slice under a dollar 99. you can get a small bottle of soda. a dunkin' donuts any size coffee up to a large for the same price. if you're staying in, a red box movie for a little less than 1.99 or a song off itunes for less than that. still many of the things that stand strong under the 2-dollar budget. how the growing popularity of used cars are sending prices soaring. a new documentary shows just how american sleeping habits are. the director of a new film has some fascinating facts, coming up after the break. you won't want to miss this. but first, here's your consumer gauge with the numbers that mean the most to you. ♪ ♪

gerri: did you sleep enough last night? chances are you didn't. but a new national geographic documentary is shining a new light on the crucial need for sleep and the critical consequences from the lack of it. >> i lost my wife, my son, and my daughter because someone was behind the wheel who had not had enough sleep. if we truly understood the importance and the need for proper rest, tragedies like mine would never happen. gerri: wow. okay. joining me now executive and executive producer of sleepless in america available on match i don't tv on monday. john hoffman. great to have you here, john. so you say that not getting enough sleep can be as dangerous as

drinking and driving. >> yeah. research shows four or five hours of sleep is the same as a six-pack of beer. gerri: tell us what you found. >> there's not a part of the body, brain or body that's not affected by inadequate sleep. it's detrimental to our physical, mental health. what we show, the effects are one lean healthy adult with inadequate sleep for two weeks becomes a prediabetic (?) gerri: you're kidding. that's unbelievable. are there other diseases -- >> what are the two most feared diseases. gerri: cancer heart disease. >> number two alzheimer's. inadequate sleep is a significant factor for both cancer and alzheimer's. we have a remarkable study that with mice

injected with tumor cells, the mice that get interrupted sleep, their tumors grow at twice the rate. they're out of control. within a month, they're dead. the only difference between the animals that are allowed to sleep normally and one disrupted. gerri: what are you talking about? i don't know anybody that gets a full eight hours y this i. >> this is the problem. forty years ago we slept two hours more on average. 40 percent of adults get inadequate sleep. 70 percent of teenagers get inadequate sleep. there's these massive culture changes we've gone through. we have research that shows there's huge consequences of that. you can't put the research back in the bottle. we have this information. now, we have to really -- we can't go back in time. we don't want to give up all our gadgets -- gerri: that's where i was going to go next. one of the culprits is the ipad in bed and

phone. kids are doing it too. what's the impact on teenagers? >> teenagers are really suffering the most. and they have -- they're staying up late because biologically they want to be up late. they're getting up early because their school times are too early. they're getting five, six hours of sleep. they're having accidents driving to school. those schools that delay the school time to 9 o'clock, accidents go down by 70 percent. gerri: that's unbelievable. what's the advice out of this, other than stay in bed? >> you know, we have to prioritize it. anyone who has two or three jobs to pay the bills -- gerri: that's a lot. >> there's a lot of people that have this problem in this country. we have to have sympathy for those people. majority of us aren't prioritizing sleep. you have to put the gadgets down. an hour before you go to bed. 65 percent have our

phones next to the bed. put it in the kitchen. gerri: thank you for coming on. we have great word-of-mouth on this project. best of luck with it. now, we want to hear from you. just as flu season ramps up, officials say the vaccine does not completely protect you against the dominant strains seen so far. so have you had your flu shot. here's what are you are tweeting me. one jeer says this: they've not had the right virus imnized for the past 25 years another: yes, and i've already had the flu this season. mark: no, i read the same story every year and laugh when they offer flu shots. i get a flu shot rick: haven't had a flu for years. be sure to like fox business on facebook. here's some of your emails. dennis: so glad to be in america when your

vote can make a statement. now we have to dig in and undo the wrongs committed in the last five years. kevin is less optimistic. i live in bridgeport. the democrats run the state and local show. we're taxed more than most and ranked last or very low in all economic metrics. i would hope to sell my hopes, but they are no buyers here. that's not good. we love hearing from you. send me an email. go to gerriwillis.com. my "2 cents more." the hottest cars certified preowned. are they a good option? stay with us. ♪ i'm only in my 60's.

i've got a nice long life ahead. big plans. so when i found out medicare doesn't pay all my medical expenses,

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gerri: the average price for a new car is going through the roof. it appears more and more folks are turning to the used car market. the total value of all used cars climbed 15 percent year over year. now it's $35 billion. here with more, senior analyst of kelley blue book. alec. so is the popularity entirely because of rising prices of new cars? >> yeah, i think that's a big part of it. the average transaction price factoring in over 33,000 at the moment. gerri: used cars prices, $18,000. that's up from 17800. a little bump. one of the allures are these certified preowned packages. people love this stuff. what do h they get?

>> a lot of great benefits when you buy certified preowned. extended warranty that's backed by the manufacturer. roadside assistance. you get the peace of mind of knowing the vehicle has to go through 110 or 115-point inspection you miss out on the first year depreciation which is a killer for most folks. all the benefits of a new car at a substantial discount. gerri: the moment you drive off the car lot, you said over the first year, 12 months, how much is that? >> it certainly depends on the vehicle. on average, you're losing at least ten to 15 percent of your vehicles value. you put 1,000 miles in the odometer, the value is down. luxury cars are worse. high end bmw, ten to $15,000 off of sticker in less than a year.

gerri: wow. a lot of money. smart to buy used. what part of the used segment are doing well? >> well, interestingly with gas prices as low as they are, $2 nationally. your larger trucks. sport utilities. crossovers. vehicles like the ford f-150, extraordinarily well. the average used car from a wholesale perspective is about flat or up about 2 percent. five to 7 percent gains for full-sized pickup trucks. the average new truck will run north of $40,000. we're seeing a lot of strength in that segment. gerri: wow. 40,000 for a truck is amazing to me. here's what's happening to pickup prices. up 3 percent year over year. those are your numbers we took there. what's your outlook for next year? i bet a lot of people are sitting around thinking it's nice to get a muffler, but i really need an entire car. >> yeah, absolutely.

and i think those able to wait that can hold off on their purchase for a year and a half. you'll find a much better deal. there's a lot of leasing activity taking place. 30 percent of all cars sold in the third quarter were leased. we know in the long-term, those leases come back. two years from now, three years from now, a lot of cars coming back from the marketplace which will drive prices down. if you can hold out for a while, you can get a great deal. otherwise, look older. get a vehicle with higher mileage. that's the only way you'll save a little money in today's competitive marketplace. gerri: these cars were built better than they were in the past. they do last a while. alex thanks for coming on. we'll be right back with my "2 cents more" and our question of the day. have you had your flu shot this year? stay with us.

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gerri: health officials telling doctors the flu vaccine may not be very effective this winter. making me wonder, have you had your flu shot this year? we asked the question on gerriwillis.com. 50 percent say yes. 50 percent said no. can you believe that. it's even. that never happen. log on to gerriwillis.com. that's it for tonight's willis report. thank you for joining us. don't forget to dvr the show if you can't catch us live.

"making money" with charles payne starts right now. have a great night. charles: i'm charles payne, and you're watching "making money." well, the battle begins in congress today over amnesty for 5 million illegals. a house vote to block obama's immigration orders. can obama's power grab be stopped? rich is in washington, dc, with the latest. >> evening charles. senate republicans have blocked this attempt. it would block poem's on executive immigration. it now goes to the senate where majority harry reid refuses to allow a vote. the white house weighs in criticizing the effort. >> the president doesn't believe it's an efficient use of law enforcement resources to separate these individuals from their families. the president believes the most effective of things we should do i