billions of dollars in our own country and ultimately will destroy some of the other producers and dominance they have had on us. david: curt, thank you very much. halliburton down 50% from its high this year. maybe it is time. liz: great to have you all. "the willis report" is next. >> hello, everyone, i'm gerri willis. we begin tonight with new warnings of how airlines are looking to nickel and dime you even more. according to analysts, airlines are considering charging passengers more in fees during peak demand periods like the christmas holiday coming up. joining us with more on this seth kaplan, managing partner of airline weekly. welcome to the show. seth, great to have you here. we're already hearing spirit airlines is raising bag fees between september 18th and january 5th. will we see a whole lot more of this from other airlines as well? >> well, spirit tends to be more aggressive than most. the other airlines watch spirit,

see what it gets away with and decide what it can do with their own airline. absolutely, more of this is to come but spirit is the more extreme unblond letter, under bundling fares to a degree most airlines don't. gerri: we talk about baggage fees but will other fees down as well? >> if you look at spirit, seat assignment fees. some airlines charge you if you want a particularly special seat, exit row seat, for example. but spirit charges you if you want to tick any particular seat at all. other airlines are starting to do that. delta for example, not annulet stray low-cost carrier like spirit, some seat -- gerri: if you want a seat you have to pay extra? that is astonishing. >> if you want a particular seat. gerri: right. >> one thing to keep in mind. don't be fooled. if you it looks like you absolutely have to pay for seat

assignment, you never do, that would be illegal. keep in mind as consumer, if it looks like that you don't. if you have confirmed seat even if not assigned seat, the airline has to assign you a seat. it might not be the seat you want, middle seat, last row next to the bathroom. gerri: get to fees. airlines expecting in north america to collect 8.2 billion in fees. how do you think consumers will react to this? >> well, they won't be happy, certainly. they will tolerate it like so much else that happened. there is some consumer benefit for this. particularly people good at playing this game. what happens this product that used to be as they said a moment ago, bundled, including almost everything. now they have taken it apart, the very lowest fares if you play the game right can still be very cheap. everybody else is paying for all the extras, even those extras that they don't realize extra,

certainly subsidizing the very cheap fares for people who play well. gerri: because we took a look at what airlines are saving on oil prices. jet fuel is down and down dramatically. if you do the math, looks like they're saving about a penny per gallon, for every gallon that prices go down by a penny, they save $190 million. that is $8 billion since june alone. we're not sharing in that. you will raise my prices, introducing dynamic pricing. and bag fees, for goodness sakes. i understand my fare goes up and down based on demand, that happens all the time, i'm used to that but bag fees, does it cost them more to put my bag on a plane because it is christmas rather than december 28th? >> it doesn't cost them more. they're simply doing what every business is trying to do get everybody to pay as much as they're willing to pay. think about oh, happy hour at a restaurant, the drinks and appetizers might be cheaper between 5:00 and 7:00 in the evening when not as many people

want to eat. that is what airlines are doing. it is not new. the idea of course fares being different by day of week or season. they have gotten to where the technology especially, yeah, even vary the bag fees based on how badly you want to check a bag on a certain day pretty much. gerri: seth, thanks for coming on tonight. >> thank you, gerri. gerri: and now, a warning out there to the millions of you shopping online this holiday season. thieves are going up to people's front doors and bolding helping themselves to your delivered packages. look at these pictures. in michigan, these holiday grinches are trailing delivery trucks. we have anthony wicker sham from michigan. thanks for coming on the show. tell us about the two teens you guys were able to track down. what were they doing? >> this was a case where these individuals were actually following the ups truck around

mccomb township, in mccomb county. as the ups driver made delivery back up on the porch, as they would drive away they would run up to get the package and take it up to the car. alert neighbor transpired and grab ad camera and was able to take photographs that you have of suspects and their vehicle. gerri: how old were these teenagers? >> 19, 18. individual carrying the box off the porch is the 19-year-old. gerri: there is the car right there. we're showing pictures to see the culprits. have you seen anything like this before? >> we take a lot of reports of items missing, whether from the mailbox or from a, from the porch. in this situation here, you know it was pretty brazen. it was 11:30 a.m., broad daylight. obviously they figured we'll follow this guy around and make a killing today. gerri: well, i have to tell you,

i'm not surprised. i worry about this all the time because a lot of homeowners have things delivered. do you have suggestions that people are concerned their christmas presents, they will never see them. >> what we recommend, is with most of the major carriers, fedex, ups there is tracking. so if you're expecting a package, follow that package and see when delivery is going to be made. if it gives you that window of several hours, then you know you're not going to be home, contact a neighbor, somebody that you can trust, ask them if they would keep eye out for the delivery and once the package comes, take it to put it in the house until you get home. gerri: all about the neighbors, right? i understand there are special services some of the big delivery companies offer that help you make sure you get your package. >> yeah. when you're sending a package, ordererring a package, it will cost you a little bit more you can sign up for, signature required for delivery.

this way it will insure that either you or somebody within the household signs for the package and that you have, they will leave awe note make you come back and pick it up from the depot. gerri: sheriff, i have to ask you before you go, did these guys show any remorse? what were they going to do with the stuff? >> individual you see in the picture running off the porch, he told our investigators he needed to pay his cell phone bill. they were taking items they were stealing trying to sell it on the street or sell it to somebody so he can finance, pay his cell phone bill. the other individual was driving the car at the time wouldn't give us any information. gerri: i've got some advice, get a job, that is one way to pay your cell phone bill. thanks for coming on. >> that's what we all do so. is. gerri: thank you so much. and now we want to know what you think. here is our question tonight. have you ever had packages stolen from outside of your front door? log on to gerriwillis.com. vote on the right-hand side of

the screen. i will show the results at the end of tonight's show. during the show we want to you facebook me or tweet me @gerriwillisfbn. send me an email at gerriwillis.com on the web. at bottom of the hour he will read your emails. coming up we have a family that will give us a little advice, they are youtube sensation thanks to their honest reviews. you want to see this. ♪

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gerri: christmas is just around the corner and pressure is on to find the right toys. so how do you know which ones are best? with me are brothers gabe and garrett and their mom and dad, brian and laurie. they ran a family business making youtube videos for kids, testing toys all around the world. they talk about every day. welcome to the show. great to have you guys here. my good you're so cute. lori, i want to start with you. whose idea was it to test toys? lori? ee, sorry, well we kind of stumbled into it. we really didn't have a plan.

brian just was already making videos and but they just started getting a lost views. and, the boys just continued to want to ride power what's and do toy reviews. gerri: and they love it, okay. >> they love it. brian, you can tell the story better. gerri: brian, everybody has got a role? what does everybody have to do in the family? tell me what they do. >> yeah. i do all the yoking -- videoing, editing and lori helps with ideas and getting things together. the boys, i mean the boys, they just play with the toys. we all decide like, something that we want to shoot and play with and all about them being natural and having fun. nothing, nothing we do is forced. we don't say like, hey, act like you're having fun with this they like really are. we're just -- gerri: if they don't, it doesn't matter. >> yeah.

gerri: i want to show what this looks like on youtube so our viewers see exactly what you're doing. take a look at this. >> you're watching the gabe and garrett channel. >> hi, i'm gabriel. >> hi, i'm garrett, from the gabe and garrett channel. let's open this thing. ♪ [inaudible] gerri: gabe, tell them what it is like being a youtube star, my friend? is it fun? >> uh-huh. gerri: uh-huh. lori, now what is so interesting about this, is that, i was talking about how everybody is involved, right? my understand something that, you guys are making a decent living from this. how does that work? >> we are. it is, it's pretty amazing. you snow brian quit his full-time job to do this.

we just figured you know, we're just going to give it 100% to see what happens. we had no idea going in what the potential was. and, it is just grown so far beyond anything we ever imagined. it is so wonderful that we can spend time with our kids and, you know, brian his previous job he was traveling a lot. and missing out on the kid and spending time together. gerri: not anymore. not anymore. let me walk through some of the math. >> it is great. gerri: the math on this is pretty incredible. makes me want to have a youtube channel. i won't review toys. $2 per everyone thousand views. >> that is, i was going to say that is general rough estimate. ad rates are based on seasons. coming up in the fourth quarter here, going into christmas, you know the rates are higher. come january they die. so if you like generally, kind of across the board it's a

couple bucks per thousand views or so. gerri: looks like you're making something like $730,000 a year. brian, did you ever think you would do that? my goodness? >> not in my wildest dreams. and because that is not why we even started doing this we did it, really to spend time as a family. and have fun and be, like we homeschool our boys now this year. so, you know, those kind of figures, you know, are, they're kind of still boggle our mind. but that is not, that is not the reason we did it. if we were making a regular liveable wage to be able to do what we're doing, that would be more than enough. the fact that revenue keeps climbing as you get more views. gerri: amazing. lori, let's talk about the toys for a second here. where do they come from? >> well, we purchased most of them. we kind of did this ourselves and then, just now that we've gotten a little more recognition

and as our channel grows, toy companies are starting to take notice of us. we've had some toy companies interested in working with us and you know, sending us things and having, the boys review them and, it seems to be the way that market something going. >> so i hear it is pretty much thumbs up and thumbs down the way it works on review itself. garrett, i want do ask you, got to get you in here, my friend, what is the toy of the holiday season? for people who are watching buying for their kids, grandparents, what would you tell them? >> you like the razr power rider 360? >> crazy car. >> crazy car. gerri: is that what we just saw? that was very cool. gabe, do you want to add anything here, anything on your list? gerri: no?

okay. >> they're not, you know it is kind of funny, we get a million views a day and i'm chasing around with my camera. really just me and, we're not used to like this attention. so, the million views a day, they're stats on computer screen. they don't like translate into you know, there are not thousands of people on the sidewalks watching us do what we do. so they're kind of, you know, a little intimidating being in front of like real cameras and stuff like this. gerri: unbelievable. i think your video is awesome by the way. >> thank you very much. gerri: quickly before you go, i'm curious, is the money, is there a college fund here somewhere, lori? >> oh, definitely. we, you know we have college funds for the kids. we reinvest a lot of money we make into either equipment or you know inventory things like that. we travel. we want to be able to show the kids the world and, you know things that are opportunities now that would not have been had

it not been for this channel so. it is pretty amazing. gerri: and they're still going to school right? they have to go to school right? >> we're homeschooling them this year, which a new thing for us. gerri: wow!. >> we're learning as we go. gerri: ambitious. brian, lori, gabe and garrett. good luck with the channel. sound awesome. >> thank you very much. we appreciate it. >> later in the show we kick off our week-long users guide to the best year-end financial moves. more troubling evidence of government oh reach as the epa sets its sights on new target, water. maybe a puddle close to your house. details coming up. how can power consumption in china,

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huh. quickly find the season's hottest shows, huh. quickly find the season's hottest shows, with a handpicked collection all in one place. only from xfinity. gerri: more fallout from regulation nation. according to the "wall street journal" amazon is warning top u.s. officials that the company will move its drone research overseas if it doesn't get permission soon. amazon wants to use drones to deliver small packages in 30 minutes or less but the faa still bans commercial use of them. amazon is testing flying drones in the u.k. they say there are thousands of commercial operators in europe but less than 10 here in is. jeff bezos said regulation, not technology is the biggest obstacle to these deliveries. on to another regulation nation story, the epa is set to issue tough new rules for the nation's water. the rules critics say are way too broad allowing epa to

regulate all water, from rivers to streams, stormwater to puddles. with us cato institute senior fellow dan mitchell who specializes in government regulation. well come to the show. is that what is at issue, they're ever broadening what their world is, the universe of what they can regulate? >> there are two issues. one is whether or not they're going beyond their legislative mandate because the clean water act theoretically is about navigable waterways, not little drainage ditches on a farm or little stream in your backyard but i think it goes beyond that in the sense the attitude and mentality of the bureaucracy. we have already seen, even before these new regs, we've already seen a homeowner getting threatening with $75,000 a fines because he built a pond on his own private property. what does that have to do? that doesn't put pollutants in the water. epa got slapped down by the supreme court because they tried to block that family from

building a house on a lakeside. not in the middle of the lake. not over water, but a house on the side of a lake. so the question is if you have a bureaucracy that has such an instinctive hostility to developments and not doing required cost benefit analysis this will really hurt a lot of landowners and families across america unless the epa is more reasonable. gerri: one of the big questions is the runoff pollution, epa says it is true. water flowing off the house and driveway, maybe it will be regulated. maybe you will get fined or taxes from that. read you from "the wall street journal" an op-ed piece. here is what they say, reed hopper. watch out for the puddle it could soon be federally regulated. the draft rule redefines the waters of the united states so broadly it covers virtually any wet or occasionally wet spot in the country, including ditches, drains and seasonal puddle-like

depression. how in the heck can epa regulate anything like that? it is just too much. >> it is not just they're saying they will regulate put des. they're saying that if it is part of a region with water, that they theoretically have the authority to start regulating and controlling the use of the land. and at the end of the day, we have to ask ourselves, when you have bureaucracy, a bureaucrats with such a hostility to the private sector without any constraint, any requirement for compensation for taking away the use of someone's land, then you get a recipe where you find these abuses where a lot of americans are sick and tired. one thing for them to say, you can't dump lead and mercury into a stream because it will go downstream and hurt people. that is not what we're talking about. that is over and done with for decades. gerri: as a matter of fact i mentioned before, runoff being pollution. there is a law in maryland, people having to pay fines, fees, taxes for runoff which seems to me ludicrous.

this is another case of bureaucracy trying to make an end-run around congress doing what they want to do without any laws on the books backing them up? >> i have no doubt that if the lawmakers back in what was it, 1970, when they passed the clean water act if they knew what the epa was trying to turn it into today i suspect we would have had a much, much, different result with much tighter legislative language, so that bureaucrats could not in effect misinterpret legislation toed a vans their bureaucratic empires. gerri: your puddle is illegal, sir. tough drain that. dan, thanks for coming on. >> thank you. gerri: we want to bring yous the latest update to the gm ignition switch story. we talked to you a lot about this. according to attorney ken feinberg, at least 38 people have died and 51 were injured in crashes involved with those defective issues. feinberg says he received 239 death claims since august. more than 2,000 injury claims.

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♪ ♪ gerri: 2014, it's almost over which means right now -- now, now, now -- is the perfect time to get your financial house in order. we are kicking off our user's guide to year-end financial planning starting with taxes. i'm afraid to say, but stay put, we've got advice for you. here with advice, dominic that vel low, diversified private wealth advisers, and john vento,

he is also the author of the week "financial independence, getting to point x." i want to be a .2x, that's my goal, john. [laughter] i want to start with your idea about how now is critical before the year end. why is it so important? >> so many people believe that april 15th is the most important date when it comes to taxes, but in fact, it's not, it's december 31st. most of us have only about 23 days left to make some critical decisions that could really go a long way in reducing our biggest expenditure which is taxes. >> i think the main thing you're thinking about here is i want to reduce 2014 income so my taxes are lower. that's the name of the game. you can do that without hurting yourself. we're going to have a lightning round here. >> to john's point, if you wait until april 15th, it's too late. you've got to do it before december 31st. if you're a small business owner and you don't have to take the income into this year, if you get the opportunity at work to

take advantage of a 401(k) -- gerri: the bonus, what about the bonus? >> if people have 5% taken out of their paycheck to go into their 401(k), only 5% of the bonus gets deferred. you've got to go to payroll and say i want to defer 100 percent of my bonus, but you've got to be pro active about it. it won't happen automatically. gerri: and the boss sometimes doesn't go along. so, john, if the boss doesn't go along, what's the next best thing? >> you do have the right if you haven't fully maxed out on your 401(k) plan, you could still defer with your next paycheck. unfortunately, there's probably only one or two paychecks left to do planning for 2014. funding things like your ira account, roth ira account -- gerri: bump it up, baby. >> you should definitely take advantage of that. gerri: most people don't fund fully, make sure you're right under those limits.

a lot of people talk about selling losers, dominic, what does that mean? >> we want to talk to people about harvesting losses. the government's going to reimburse you through tax savings for getting rid of that loser. gerri: how so? >> you're allowed to offset your profits with your losses, 100% of your losses plus $3,000. right, john? government's going to be a partner in those losses. but quick one on things -- gerri: don't screw it up. >> things that are worthless, your accountant doesn't know they're worthless, it doesn't show up on your 1099, so you've got to tell your accountant, that stock is worthless. i bought it ten years ago, fife years ago, they'll write it off. gerri: here's my question, because i think some people get carried away and sell stuff they want to have. should you let your tax planning drive your investment strategy? >> absolutely not. you never want to make your investment decisions solely on taxings. but with that said, you

definitely want to take taxes into consideration. as dominic was saying, identify your losers, and if you think there's an opportunity to sell them off, offset the gains. now, there is a special rule in the tax code even if you want to hold these securities for the long run, as long as you sell them and don't buy them back within 30 days -- gerri: the watch sale rule. >> exactly right on that one. gerri: there's a delay you need to make sure you're doing. a lot of people here actually do, they have these fsa accounts, you set aside money pretax. they build all this money up to pay for health benefits, and they never use it. the money goes away. >> it is a use it or lose it system. you show up on december 31st, you haven't used it all, it goes away. this is where you've got to be proactive these last few days, pay for your kids' medical checkups, but use that money or it's gone.

gerri: take some classes -- go get some glasses, for goodness sakes. >> if you are over 50, double check with your payroll department and make sure you're taking advantage of that as well. >> to john's point, it doesn't happen automatically. right, john? i'll get the catchup in there. no, your payroll systems cap out at $17,500 for this year. if you don't proactively go in there and say i want to do that extra, it won't happen -- gerri: you have to do it that way. it's a one-two step process. >> correct. we hear it so many times in our -- i'm going to max out, no, you're not because you didn't make them do it. gerri: who knew taxes can could be so fun. dominic, great job. john, appreciate having you here. and coming up tomorrow, our user's guide comets with a look at charitable giving.

we'll have advice on donating more than just money. all the details coming up tomorrow. and as gas prices continue to decline, some believe the timing is just right, just right to increase federal taxes on gas in order to improve the nation's infrastructure. that's the argument. here to weigh in is tax foundation president scott hodge. scott, welcome back to the show. so who has this idea? my understanding is that the law is something like 21 years old to. is it because it's so long in the tooth that, naturally, some democrats think we have got to boost it? >> well, there are two things at work. inflation has eroded the value of the gas tax over the last 17 years, so it's paying for a lot less than it used to when it was enacted. the second thing is that the federal highway trust fund is going under, it's in the red. they're projecting over the next ten years it'll be short about $170 billion. so that has a lot of people worried that what we're going to do is cannibalize general tax

revenues to pay for highway spending. what they're thinking is, hey, we need to enforce what we call the user pays principle of highway funding and raise -- gerri: all right. >> -- gas taxes to pay for those extra roads. gerri: i've got to tell you, i think a lot of people out there, lower gas prices are the first break they've gotten since 2007. >> yeah. gerri: i mean, this has been such a rough economy. >> sure. gerri: finally, consumers get some kind of break. you know as well as i do the middle class is caught in the biggest squeeze ever, incomes have been flat to declining, and now here comes congress saying, oh, we want a piece of those lower gas prices. >> right. gerri: whereas at the same time we know when they get this money for infrastructure, it doesn't go there to begin with. >> well, that's right. gerri: what's your response to that criticism? >> sure, no, that's a very fair criticism that a lot of gas highway taxes go to pay for mass transit, it pays for sidewalks, bike lanes -- jer flowers. >> yes.

except for everything but filling potholes and rebuilding the bridges. so there's a lot of due criticism there. but at the same time, if we're going to have a federal highway program, gas taxes are probably the closest thing we have to what you might call a user fee, and so there's probably a good, strong rationale for raising it. gerri: but is there another way? scott, is there another way to fix the infrastructure? >> yes. yes. sure, we ought to consider tolls. a lot of states have tolls on their highways. we ought to have, maybe consider more national tolls. we can consider privatization. we ought to get rid of some of the dumb federal labor laws that can raise the cost of highway funding by about 25% such as the davis-bacon act. there are lots of ways that we can economize or meet these infrastructure needs without having to raise taxes. gerri: davis-bacon, of course, requires union-style races in building the highways which, of course, makes it exorbitantly expensive. great to see you.

>> you bet. thank you. gerri: and now we want to hear from you. cameras catching holiday thieves, santa thieves in the act in michigan as more and her packages are stolen right off of people's doorsteps. has this happened to you? here's what some of you are tweeting me tonight about our poll question. rick says this: fortunately, no, thanks to good neighbors. that's what happens where i live. on facebook one viewer posts this: these incidents spiked outdoor web cam sales for sure. i had to administer for our front and backyard views. and mikeys: no, never had anything stolen while live anything a not-so-great neighborhood with a lot of walk-through traffic. maybe the walk-through traffic is saving you. here's one, they stole some off my stoop months ago. ups requires a signature, and i track postal packages so i can be home. next up, another address to accept packages. in addition to following me on twitter and facebook, be sure to

like fox business on facebook. and when we come back, tips on winterizing your home before the end of the year, and next recovering your assets with a look at how your 401 stacks up against the rest. are you getting the boast bang for your -- best bang for your buck? and here is your consumer gauge with the numbers that matter most to you. we'll be right back. many people clean their dentures with toothpaste or plain water. and even though their dentures look clean, in reality they're not.

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gerri: tonight, how your 401(k) plan matches up. over 35,000 retirement plans across the country were analyzed to see just how generous employers are and what kinds of offerings and costs employees are facing. so are you getting the most from your 401(k)? brian reed, chief economist at the investment company institute which helped conduct the study. 35,000, i mean, that's astonishing to me, that you guys were able to get data on that many plans. tell me first off how did you

conduct the study, how long ago and, ultimately, how many individuals were involved in it? >> so we were partnering up with bright scope who took data that all these plans are providing to the department of labor. and so together we were able to sit down and hook at plans for, you know -- look at plans back into the mid 2000s to see how employees are doing, how these plans are doing. this is the largest data set of this kind to ever be analyzed. gerri: i can believe that. all right, i want the details, because i want to know how my plan matches up. let's start with the company match. what did you learn about what most people are getting? >> four out of five employers are giving some kind of contribution to workers' plan, and those numbers have actually recovered somewhat from the recession, which is great news. the second thing is that the most common way in which they make a contribution is through a match. i put a dollar in, and the employer contributes. the most common way is either up

at 6%, so up to 6 percent that is. so either they contribute 50 cents on the dollar up to 6% or dollar for dollar up to 6% in some cases. gerri: you said number one, the most common form of a company matching is they match 50% of contributions up to the 6% of the salary. >> that's right. gerri: maybe you're doing better, maybe now you're doing worse, but now you know what most people are getting. so i want to talk, too, about how many options people have out there. because you want to have lots of options, but what is the average, brian. >> the average is 25 options in a 401(k) plan. and what's important here is that there are two ways of talking about this. the employee can put together their own asset allocation, their own investment strategy, or many plans are also offering target date funds. and these allow you to put your money into a single fund and asset allocate that for you. really important to be able to have that range of options and

that variety and that plan to -- because each individual's risk toll perhaps is going to be different. so this range of options is really helpful in accomplishing that. gerri: right. people are different ages, have different obligations financially. >> that's right. gerri: let's take a look at the fees, right? so this is important. >> right. gerri: you and i have talked about this a lot, and you show this these are actually going down. >> yes. you know, we've been finding in a variety of studies that fees are going down. fees are going down for mutual funds. we can look at not only just mutual funds, but all the costs that go into a 401(k) plan. and we're finding, again, the fees have been dropping not only for large plans, but for small plans. and this is because there's competition, employers are looking for lower cost options, but employees are increasingly going to lower cost options as well, for instance, index funds and other lower cost mutual funds. and this has helped to drive fees down. gerri: that's on your list of what your 401(k) should deliver,

low cost funds. they could could be etfs, mutual funds, but what is the fee range? what should i be willing to pay for a mutual fund? >> well, a lot of that really depends on if it's an international fund, you're going to ultimately pay more because they're more complicated to manage versus a large cap u.s. equity fund is going to be lower cost. gerri: and, so give me a range. 50 basis points, 100, 25 basis points, what do you like, brian? >> yeah. we find the average is about 50-60 basis points for a stock fund, for a u.s. stock fund. and that's across all plans. when you're in a small plan, you're probably not going to have with a small employer the lower cost options because the fees are paying for the overall cost of the plan, and the small plans have certain overhead that they have to cover. if you're with a larger employer -- and this study shows that with larger employers you going to have access to more

lower cost funds. but the fees have been trending down for both sizes of plans. gerri: i just want to say, do you have this study on your web site? >> we do, yes. and -- gerri: it's ici.org, right? >> it's www.ici.org, yeah. gerri: and let me suggest something to our viewers tonight. if you listen to this segment and you think that your 401(k) is not up to snuff, maybe you don't have investment options, maybe there are no low cost funds, maybe you're not getting a decent employer match, i say take that ici study and take it to your employers and ask for a better deal. that's a great way to do it. brian, thanks for coming on the show tonight. great to have you here. >> thanks a lot. gerri: and still to come, my two cents more. and, next, we're fully into the christmas season. the temperatures are dropping,

and we'll tell you how to properly winterize that home of yours. stay with us. ♪ ♪

♪ ♪ gerri: low temperatures are bringing high-tech new technology to your house, making it easier to keep your home warm but keep our energy bills low. here is tom chrysler, host of "the money pit." it's great to have you here. you know, look, i have to tell you, aye spent probably -- i've spent probably ten years, almost, trying to winter proof it, weatherize it x you really can save a lot of money. can you give people an idea of how much they can save by closing that house in? >> well, there's always places that you can tighten up. i think it helps to look at the different components that you can take a meaningful action. for example, the thermostat.

set two temperatures, one when you're home, one when you're not home. now we have the wi-fi thermostats -- gerri: like nest? because we had some problems with nest. >> i've had a nest for two and a half years now, and i absolutely love it. it knows when we're home, and it knows when we're gone. it actually does a scan. let's face it, we're not all on nine to five schedules. gerri: we had trouble getting it to work in our house, and i think with some aging systems it can be difficult. let's talk about the ducts and sealing them off. >> most ducts have about 40% leakage. gerri: 4-0. >> yes. how do we seal ducts, with duct tape? news flash, duct tape was not designed for ducts. the add adhesive heats up and ds out. there's a polymer that you can

spray inside the ducts, and it can really make a big difference. gerri: you can do it yourself -- >> no, this is something that has to be done by a professional. gerri: let's talk about insulation. >> yeah. gerri: that old-fashioned pink thing you roll out, you don't have to do that anymore. [laughter] >> the best insulation today is spray foam. when you spray it, it can expand. now, it expands at a hundred times its thickness. so you spray it. and it swells up and not only insulates, but seals at the same time. my air-conditioning bill was 50% what it was the year before. gerri: half off. >> 50%. not to mention the increase in comfort. but it really is good stuff. gerri: we've done the same thing, and you can just keep doing that, you name it, it can go anywhere. >> the house was having a new roof put on, you can't tear your walls down, but you can coa little -- can do a little at a taoism.

gerri: what do you do with your windows? >> what i do is use latex caulk, and i seal both outside and inside. a lot of folks skip the inside winterization, but if you caulk between your molding and the wall and the molding and the window, you will cut down your drafts. if you have a really, really leaky window, you can use awet stripping caulk except in the spring, you can peel it off and open your window again. gerri: ah, very nice. so you talked to us about nest, you say you're going to have some solar panels put in your house, so are you optimistic you can go off the grid? >> i was talking about perhaps some active solar panels to the roof and i think, yes, there's systems today where you can generate so much electricity -- gerri: even in the northeast here? >> yes, absolutely. it's happening right now. but you mentioned passive solar energy. there's a company right now called inertia that is constructing homes that use almost zero amount of additional

heat. it's heated by the sun and your body heat. it's kind of like a physical heat pump where the heat circulates through the house, goes back to the earth and keeps recycling. gerri: i'm not sure i'm providing much heat in our house. [laughter] tom, thanks for coming on show. thank you. and we'll be right back. 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, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away.

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♪ ♪ gerri: and, finally, the national average for a gallon of gas is $2.67. it's nice to have a little extra every week. well, there are some folks who'd like to take it away from you. some democrats in congress want to raise the federal gas tax. i guess the logic is it's been way too long stuck at that level. meanwhile, airlines are talking about charging you even more in fees. the bottom line is this: you have to save money where you

can, and that's what our user's guide was today, reducing your 2014 taxable income so you pay less in april. that's it for the willis report tonight. we'll see you back here tomorrow. ♪ ♪ charles: i'm charles payne, and you're watching "making money." the obama administration about to release its report on the cia's interrogation techniques, waterboarding all expected to be revealed tomorrow. will this put our troops at even more danger? rich edson is in washington d.c. >> reporter: evening, charles. officials say the senate intelligence committee will release the details of that report tomorrow morning at 11. it will charge the cia for using torture during the bush administration and also for misleading administration officials. former bush administration and cia officials have been pushing back on the reported findings and warning the release of these details will only create anger towards the united states