find value. david: why don't you drive here to new york in a tesla and give it to me as christmas present. i would drive a tesla if you gave it to me. >> you want a test lakes good to see you, my friend. thank you very much. >> "willis report" is next. gerri: imgerri willis. we begin tonight with the billion dollars, billion dollars going back to consumers wallets. that savings from lower oil prices. now those prices plunging today, to five-year lows after opec slashed its outlook for 2015. however, your 401(k) probably took a hit as energy stocks pulled all three major indexes into the red. we're covering all angles with steve moore, chief economist at the heritage foundation and teddy weisberg, founder and president of seaport securities. welcome to you both. great to have you here. let's start, steve, with that windfall to consumers. the lower oil prices, i know a lot of people see bad in this. i see a whole lot of good.

>> i sure do too. look, it is crazy to say on balance lower oil price is bad for american markets. it is great news for american markets. it is one of the reasons for the last six months the stock market has been on a tear. it makes everything we produce in the united states other than oil and gas you know, much cheaper and much more affordable for people. this is a good news story. it is obviously bad for oil and gas producers. but when you look at the stock market over the longer term, this is a positive story because let's just take for example, manufacturers. it means that the cost of manufacturing things in the united states is much cheaper when you, when you put that in combination with the, with the dollar that is so strong right now. i just see this as a good news story. and you're right, everyone penny decline in the gasoline price, gerri, is a billion dollars more money in the pockets of businesses and consumers. gerri: and that is an astonishing detail i have to say. that really tells the story for

every penny gas prices fall, a billion dollars to consumers. yet, teddy, today the stock market falls like a stone. tell me what is going on there. a lot of people concerned. i've seen this movie before. stocks not positive yesterday. it was a scary day yesterday. worse today. what is your outlook and where is the santa claus rally, my friend? >> exactly where is the santa claus rally. we still have a couple weeks to go. perhaps the santa claus rally will still come. this is a tale of two cities. i think mr. moore is right on the money. ultimately lower energy costs are giant tax cut not only for the u.s. consumers but for the world consumers. gerri: right. >> in the bilge picture it is a good thing. -- big picture. a lot of traders i talk to are reminded what we saw towards the end of 2007 when the market was topping out. the first sector to role over

and really roll over were the energy stocks. it wasn't three or four months later we found ourselves in 2008 and 2009. i understand it is not quite the same scenario today but the energy sector is a very big part of the s&p and the risk is, at least for the stock market is that this will spill over and i'm not saying today is a knee-jerk reaction to that but this will spill over because in a way, what it's telling us is, there is no demand for oil. the world is flush with oil and oil products. plus we have a lot of alternative energy today we didn't have before. and -- gerri: take that right to steve who wants to comment on that very topic. opec today slashing its demand outlook. i thought this was a supply issue you but they're saying 300,000 fewers barrel, the lowest in 12 years. >> yeah. gerri: steve, to you is this demand or supply issue? i thought fracking was solving

all our programs here? >> it's a supply and demand issue. we're increasing our supply big time. i mean the united states is, 70% increase in our oil and gas out put in the last six or seven years but it also true what happened in europe and some countries like china, well europe is virtually in recession and china is slowing down, that means there is less demand. that is formula, when you have less demand and more supply, we know from economics 100 what happens to the price of something. gerri: exactly. >> it falls like a stone. gerri: teddy, to you. >> with the u.s. economy actually picking up in my opinion. we've seen 3 1/2% growth over the last six months f that continues you know our demand for oil and gas will increase. >> well, teddy, to you, can i ask you a quick question about that? >> yes. gerri: look we've had a five 1/2 year long bull market, right? >> right. gerri: we see stock market as forward-looking mechanism, we

see what's in the future, right? >> right. it's a lead indicator, yes much. gerri: can this kind of incredible performance by stocks continue? >> you know there is a lot of moving parts here. first of all we haven't talked about the fed and they continue to be the 800-pound gorilla in the room. >> that's true. >> in fact falling oil prices on one hand good has create ad further dilemma i suspect for the fed which i basically put between a rock and a hard place because i don't think they quite know what to do going forward, vis-a-vis interest rates. but the bigger picture is, that the world's economies, i mean the opec estimates for oil demand are a reflection of what's going on around the world. not that is a new story. that's an old story but all of a sudden it is coming home to roost and you have a stock market that is trading just about at 11,000 for the dow, which was -- 18,000 for the dow which was 6500 five 1/2 years

ago. by any measure we've had spectacular move mostly driven, by the way, not by the cost of petroleum but mostly driven by zero interest rates. gerri: yeah the fed, all about the fed. go ahead, steve. >> okay. so you know we've had two chapters in the last 30 or 40 years of declining, steeply declining oil and gas prices. that happened remember in the kind of early and mid 1980s where we saw big, big declines in the price of oil and gas. >> right. >> and the u.s. economy boomed during that period. >> right. >> when bill clinton was president in the mid 1990s we saw, i remember for a while, i don't know if you remember this, gerri, gasoline prices went below a dollar a gallon in someplace in the 1990s and economy boomed in that period. you're right there are problems with the world economy, no question about it. i'm very concerned about europe as you guys are. my point these lower oil and gas prices help the economy improve. they're not making it worse. gerri: i agree with that. you know we're the prettiest

horse in the glue factory. teddy, last word here? >> i was reminded of 1991 when you could have bought occidental petroleum $15 a share. paid a dollar yield and oil was $20 a barrel and whole world thought it was going to zero. it's a commodity. the problem with the oil sector is it is not just the oil companies we need to worry about but the underlying commodity but overall nobody can argue that cheaper oil is better for a lot of people. gerri: cheaper oil is better and a high stock market is better for all our 401(k)s. steve and teddy, thanks for coming on. we need the perfect storm. thank you. well lower gas prices we're talking about here mean more money in consumers pockets. guess who wants that money? retailers who are pulling out all the stops to lure in christmas shoppers but will we be swayed? with more suzanne capner of "the wall street journal."

welcome to the show. great to have you here. tell me what are these companies doing to attract more and more consumers into the stores? >> it is really just a market share battle right now. it is all about getting your name out there and so it is things like opening earlier. you're seeing kohl's opening for 100 hours. gerri: right at christmas, right? >> right. gerri: this is shocking. i can't believe this. this is amazing to me they would do that. is this unusual? >> you've seen stores opening on thanksgiving. gerri: right. >> and opening for very long hours over the thanksgiving weekend. 100 hours may be the record. when i talked to kohl's about it, they said we want to give last minute shoppers the opportunity. we don't want to miss a last minute shopper. we want to be open to get every last dollar of consumer spending this is a battle for market share, right? >> right. gerri: these guys are punching each other out trying to get every single dollar. i think it stems what happened over black friday. that was disappointing. are they still reeling from those losses?

>> what we saw opening longer doesn't necessarily translate into higher seas. it just pulls sales from one period to another. you saw that over the black friday weekend. strong sales on thanksgiving moving from black friday to a day earlier on thanksgiving, kind of petering out as the weekend went. it remains to be seen, opening very long hours over christmas. consumers have a finite amount of money to spend. you know, you also have to factor in the higher costs of opening. you have to pay employees. you have to keep the lights on. and you know, it is not clear they're going to be that many shoppers in the store at 2:00 a.m. in some respects more of a publicity stunt. it raises kohl's profile and lets customers know they are out there, come to kohl's. >> what about retailers offering same day delivery. how likely are they going to do that? how likely are they going to keep the promise? >> last year with last minute shipping retailers ran into

problems. there was a backlog. people didn't get their gift before christmas. one way they're hoping to avoid that, buy online or can pick up in store or a lot of retailers, walmart, macy's's, testing same day delivery in limited markets this has real advantages. it should save them money on shipping which is good for retailer. it should encourage that last-minute shopper, procrastinator, look you can still get your gift. gerri: absolutely. right here in new york city we're hearing amazon delivering by bike messenger. >> right. gerri: that is shocking to me. i'm dying to test to see if they actually make it happen. do you think this is the wave of the future? is this how retailers will be forced to operate in the coming years? >> what we're seeing no longer online, off-line, it is just shopping. retailers are trying to marry the web with their stores. amazon moving into physical location. vice versa with the brick-and-mortar stores. it is blending zoo consumers can

shop anywhere anyhow. hopefully that will translate into more sales for retail years i think this year people just want to spend less. i think that is what you're seeing. for some reason this year there is different feeling out there. we'll see a the end of the day, at the end of the season if it translates into dollars and cents thanks for coming on the show. >> thanks for having me. gerri: more to come this hour including your voice. your voice is important to us. that's why during the show we want to you facebook me or tweet me @gerriwillisfbn. go to our website, gerriwillis.com. email and i will read your e-mails at the bottom of the show. sony's massive hack attack exposing employees personal information, did the company drop the ball? we'll answer that coming up. ♪ ♪

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gerri: breaking news for you now, lending club, that company is pricing as an ipo. it is a peer-to-peer lender. the stock pricing at $15 a share. we'll of course follow that story in the coming days. on to sony, a big story. more documents stolen from sony entertainment in the recent hacking. they were posted on the internet today as more material is

leaked. there are new questions about sony's management failure to stop it from happening. critics say it did not move quickly enough to secure computers when word of a possible attack was known of the for more on this cybersecurity expert who has been following the sony case very closely. eric, i understand you have sources at sony. what is the mood inside of the company tonight? >> they're pretty deflated. hi, gerri. deflated, upset, this is big concern in a relationship business because so many documents got out. a lot of these documents are very critical of actors they do business with including some very big names in hollywood. could it have been prevented? there is no question that they could have done a tremendous amount more. the minimum level of security was what they had and that today is just not enough especially with the big company like this, who will likely lose about $200 million over this breach. gerri: wow, that is a very big

amount of money and i understand among the people being criticized angelina jolie being called something like a brat or something. we're seeing this kind of stuff leaking out slowly over several different websites. it seems to come out every day. when did sony know about this potential problem? they knew for a while that something was brewing. why didn't they put it together and why didn't they protect their employees better? >> well they knew about it on the 21st. they, and this happens quite a bit. you get ceos all the time getting these types of notices. it doesn't necessarily mean anything will happen. this one though i think based upon the trail and the ip should have alerted at least the minimum level of security to begin to move into action. nothing was really done in terms of any level of security. they had a full three days that they could have prevent attracted a lot of these files from getting loose. a lot of these, really concerning messages about stars. i mean angelina jolie, adam

sandler, and the fact that adam sandler may not be worth the kind of money he is getting paid, that, in hollywood in a relationship-oriented town, that is, it is flammable. it is like a huge explosion. gerri: you keep using that word relationship and i think you have got that exactly right. here are what some employees are talking about pretty publicly. one is quoted in forbes saying listen to this what i'm annoyed if this hack happened under obamacare there would be legitimate calls for obama to resign. their own security chief didn't feel it was good business sense to have good i.t. security. they should all resign. why is everybody hugging their -- shrugging their shoulders and moving on? >> the team at sony from entertainment standpoint are some of the best in business and how to make a lot of money. i know a lot of the executives there and have been on the lot quite a bit. so you have got a talented group

of people. where they failed and this is, you know they're not alone in this, is the i.t. side just didn't step up enough. they didn't take it serious enough. hopefully this is a warning to many of our corporations throughout america that you could be next. you really need to step this up and go to the highest level of security possible because these hackers, they, this is their focus. their focus is to disrupt and destroy. many times extort. there are things that you can do to stay ahead of it and you should. gerri: eric, at the time sony was saying, we have the best security. i mean, come on, what is it? we don't have it. we don't have it? they need to take more responsibility for this, don't you think? >> the reality the facts speak for themselves. gerri: right. >> this was a minimum level of security. i think that it's clear they didn't do a good enough job. it is clear, it is unfortunate. there is a tremendous amount of money being lost. they do need to take

responsibility but fix it and certainly ceos right now in that same position, that are getting messages or getting threats or could get threats need to act. you've got to facts in this business. gerri: so that point, this started out as corporate blackmail. and you know, every ceo tonight is thinking how would i handle this if this came across my desk? what is the right thing to do? eric, we'll have to continue the conversation. thank you for coming on tonight. >> thank you, gerri. good to see. >> good to see you. and later in the show why apple is hoarding the iphone 6 this holiday season. they're only selling it in their stores. our year-end guide to financial moves. it is a good time of year a good time to fund your ira or prop up your foreowe one k. we'll show you how to do that coming up. ♪

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♪ gerri: don't let the financial stress of year-end steal your holiday cheer. with december deadlines coming up for retirement savers we've got important advice you need to know. tonight our special users guide continues with derek kenny, president of der connect kenny and associates and dare he can carpenter, vice president of regent atlantic. derek, i will start with you. get to you in a minute. big considerations right now, what are they, end the year? >> first don't let the tax tail wag the tax dog. if you want to make a charitable contribution a practical way, most people think write a check for it. take highly appreciated stock,

donate that stock or mutual fund to that church, that organization. take the full tax writeoff. they pay no tax and you get full benefit of it. that is one simple way. maximize in your retirement plans right now. gerri: we're going to get to that right now, we'll get to that right now with chris. i think it is critical if you have money to put to work shelter it in a way not eaten up by the taxman. chris, what is the best way to do that? >> that is exactly right, gerri. you want to pay attention to at year-end, do you qualify for 401(k) or some other retirement plan, not an ira. because that deadline is year-end. the ira, you can relax a little bit. because the deadline is april 15th of next year. gerri: so look at the end the day you can't to shelter as much income from the taxman as you can. that is exactly with we are talking about. set aside money absolutely in these retirement fund. der he can -- derek to you, you look at strategies people employ

here, a lot of people worry about window-dressing out there. a lot of mutual fund managers trying to make their fund look as best as they can. what do you say about that? what do you do about that? >> up to the individual investor to know how much the fees cost and how much money the fund managers are making to make sure they get the best return and bang for the buck. you can't rely on other people to make the decisions for you. important to pick fund that are quality funds that invest in high quality companies. nothing speculative. make sure it matches your goals and risk tolerance. ups and downs. read the perspectives -- prospectuses as boring as they may be. maybe because it is right for this person may not be right for you. gerri: absolutely right, chris. window-dressing. mutual fund managers know how to manipulate you and manipulate your portfolios so they look good at end of the year. what do you say to that? >> if you're in a mutual fund

that involved is window-dressing. vote with your feet and get out of the fund. causing us transaction fees and poor tax results and realizing gains in order to get rid of securities they don't want you to see at end of the year. be smart, vote with your feet. get out. gerri: derek, rebalancing is now a good time to rebalance? >> the temptation is always ride the hot stock as long as you can. what i find diversification beats greed almost every single time. right now take those profits if you have them, talk to a tax advisor. know what the tax impact is. listen, gerri, here is a practical way to do this. if you have got some debt, high interest credit cards, a car note, take some of the gains, let market pay off some of that debt. have something to show for it. or diversify the money in safer places. the worst scenario the market drops again or there is volatility and you lose all of the gains you had. it is like going on a diet, losing weight and gaining it all back again, very, very

frustrating. >> well, chris to you, i think people are looking at the last go days of trading and they're saying to themselves, what's next? they're worried, they're concerned. normally there is santa claus rally this time of year. i'm sure your clients are calling you. what are you telling them. >> i'm telling them emerging markets is absolutely the cheapest asset class out there. they're selling such low valuations you might have to look different, stand out from the herd a little while. in the long term i think you will be rewarded by investing in emerging markets. gerri, tie it back to the retirement theme, do you think you have an investment that will really rocket over the next year or next two or three years, you want to put out your roth ira. those are assets you want to grow tax-free. that's what roth ira does for you. gerri: pay taxes up front. not afterwards. you're absolutely right. derek, what type of mistakes to people make this time of year typically? >> take advantage of what they think are tax benefits only to

get burned by them. make sure you're funding your retirement account. but make sure you're strategic about taxes. say you own a business and want to take advantage of a small business deduction, you may buy a peeves equipment just to get a tax break but realize, wait a minute i can't afford this piece of equipment anyway. make sure with the budget, you're taking advantage of the tax benefit and taking advantage of your situation. maybe bunching some of your deductions together. that could be a way. talk with your tax advisor, work with him closely especially right now. things are so volatile and unpredictable. gerri: before you go, 75 and a half, time to tap the retirement fund right. >> if you turn 70 1/2 you have to tap retirement fund. gerri: before the ind. year. >> before the end of the year. the penalties are huge if you don't take it. gerri: i always forget about that. make sure you do that. pay attention to that if you're

70 that of. otherwise keep investing and putting money way. derek, chris, thanks for coming on the show. >> my pleasure. >> thanks. gerri: coming up tomorrow our user's guide to best year-end financial planning continues with advise on health care. we'll tell you what to do with the fsa leftovers. how to avoid the obamacare penalty. it's coming next year. coming up next the wireless wars are on and consumers are the likely victors. we'll look at the latest price cutting moves. as the year wraps up we're looking back at some of the best apps to hit smartphones. iphones and androids in 2014. but first here is your consumer gauge with the numbers that mean the most to you. ♪ you pay your auto insurance premium every month on the dot. you're like the poster child for paying on time. and then one day you tap the bumper of a station wagon. no big deal... until your insurance company jacks up your rates.

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gerri: the year is almost over,

mashablea rounding up the best year's apps for your smartphone, editor in chief lance, great to see you, we have a list. hyper list. >> a time lapse photographer thing, it can speed up this interview. images then compresss it. i used it to make an apple pie, set it up, film it, it takes an hourlong process into seconds. >> how do you use this in real life? >> to show someone how to do something quickly, hyper lapse is made by facebook about sharing. gerri: these are apple apps by the way. >> we have right now iphone apps, some of them are on both platforms but different lists. gerri: the secret. >> the secret, i can't really get away from, about anonymously

sharing secret information among your social circle, that could befriends or friends of friends, people say things they talk about real stuff in a couple of sentences. gerri: isn't that facebook? >> it is not anonymous, people share intense stuff. gerri: who has time for this? i guess the same people who want the kim kardashian app. >> i know people are like oh, very strong feelings about her. as a businesswoman, she has something, she created with her team an app that is perfect for her demographic, living kardashian life style, making decisions in a kardashian way, it has in app purchases she could make hundreds of millions off that app. gerri: i can't tell you how little i would like to live a kardashian life style. >> but her fans do.

gerri: over spending, you know -- it just horrible life style. what about acorn? a great app, it helps you save and invest money, i it sets asi, rounds up you buy something for $4.59 it takes that 59 cents and save its. >> you could do a real portfolio, they say you can invest as low as you want. cawant. >> this is not the kim kardashian app? not by a long shot. >> this is useful. gerri: linked in, job search? >> a great network but easier to search for jobs within this app, also get great alerts, if you are on the job hunt. if you are not on linked in you should be. gerri: you have cool stuff for

android. >> if this happens do that. every time you take iins sta gram photo, it will make it your background, based on settings you choose, you it use apps or android functions to create what they are called recipes, no programming required, you choose what will happen, and then when the app is runing it happens automatically. gerri: is there a more practical example. >> scheduling, any time i get an e-mail from this person, i send a text person to that person. gerri: super practical. >> very, one of the most popular apps on the ios platform. gerri: that is great, a great list, it is fun to look at these. >> a good time. gerri: thank you. >> my pleasure. gerri: well seems like your cell phone bill keeps going up, there is something you can do about it.

the big phone companies, admitted this week there is say price war. there has never been a better time to get the best deal possible, for more consumer expert clark howard, host of the clark howard show, so good to have you here, thank you for coming back, this is great news for consumers, come on. >> i have never seen price movements as large as we're having right now, you have to go back to mid '90s to find price cuts on cell phones, anything like now, monthly service cost s are coming down, that is what verizon is whining bthey have always charged such high prices they either have to cut prices to hold to customer base, and hurt profit margins or watch people walk away. same for at&t, t-mobile is alive right now, they are capturing

millions of customers by having beefed up their network, simplified their plans, they have done away with contracts, i want to tell you something crazy, ready? ready? gerri: i am. >> i have 9 lines on my plan, i am on t-mobile, i pay $180 total for 9 lines, not that many years ago i paid over $200 for one -- my one line. gerri: the changes are dramatic. and probably, one of the best deals out there, it has to be $60 a month deal out there from sprint. this is really a game changer. as you said companies are complaining, at&t, and verizon other companies saying we can't make money in this environment, is this what you see in marketplace, a lot of come pet ors dukeing it out.

>> yeah. and we're not at the bottom yet. we're still early innings on how much prices will drop on cell phone service. some of the no-name companies the companys that are not in state of mind for any of us, they are down now at 25 a month for unlimited talk, and unlimited text, and unlimited data, who knows what bottom will be. a company called freedom pop offering basic monthly service, not a lot of minutes, texts or data but monthly charge is $0. gerri: how are they doing that? >> they started by people from skype, their deal is what they hope is you get in their house, realize you can't get by with their free plan that is 200 minutes a month, 500 text-messages and half a gig of data, you start buying stuff

from them, for $20, they give you unlimited everything, then there are steps in between, they do the freebie come-on to try them out, maybe you stay with them, go to full-meal deal but only 20 a month. gerri: how good is the service? >> great question. okay so, my favorite of the discounters is a company called republic wireless.com, their service is fantastic, i have tested them, i tested freedom pop, and -- well, it is a work in progress it is not there yet. but if you are really cheap, you would like free service, you get a little bit of what you pay for, that is nothing, but it is quite a deal to at least have a low volume use smartphone. gerri: that -- let me tell you, they are really trying to grab share. and consumers are the winners, clark thank you. always great to have you on.

>> thank you. gerri: and now we want to know what you think, here is our question, what would make you switch wireless carriers? service or price, log on to gerriwillis.com, i will show you results at end of show, when we come back another iconic brand changeing its way to attract a younger audience. and next one congresswoman claiming, if not for obamacare, her her becaus band would be al- her husband would be alive, she is joining us next with her tragic story. we gave each person a ribbon to show how many years that amount might last. i was trying to like, pull it a little further got me to 70 years old i'm going to have to rethink this thing it's hard to imagine how much we'll need for a retirement that could last 30 years or more. so maybe we need to approach things differently, if we want to be ready for a longer retirement. ♪

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gerri: jonathan gruber's comments about the stupidty of the american people, sparked a lot of fiery exchanges yesterday during the obamacare hearing, but it got emotional, a man suffered a massive heart attack while sleeping.

>> he chose not to have one of the tests, his doctor told him to have. this happened to coincide with the time that we were told that we were not corpse covered by obamacare, so-called litmus that has been referenced today, have direct consequences for real american people. so get over your damn glib glibness. gerri: congresswoman sheer is share her story, i realize you are not saying obamacare caused your husband's death, it much more sophisticateed and subtle. explain the enrollment process, with obamacare that you and your husband went through. >> i signed up for obamacare as other members of congress did. because the american people demand that congress fall under the same laws they follow. so, i did sign up for obamacare. with my husband, along with me.

and we were told we were signed ub, then we were told we were not, then we were told we were, my husband filed some claims based on some tests he had, and was once again denied. it was the yo-yo effect and frustration associated with the time it takes to straight en these things out, and get them involved that was involved, i am not asserting he died because of obamacare, that is not the point, the point is, when we make it so difficult and life so complicated, and everyon every o time consuming for the american people to follow new laws, things happen. they get frustrated people walk away. we should be doing is making life simple for people. we have gone out of our way to make life more difficult for people. gerri: you are incredibly

eloquent on this topic, i believe, just having a husband myself, they don't need to be dissuaded in anyway from getting any kind of care, their first ilimpulse is not to do it in the first place. >> that is true, i think that men in particular would rather live their lives do their jobs, take care of matters that are right in front of them, rather than deal with paperwork, and physicians and waiting rooms, anything that discourages them is apt to effect whether they get good care or not. gerri: you say these laws have direct consequences in folks' lives, why in the hearing you decided to tell this personal story? >> i didn't go into the hearing planning to discuss, that but jonathan gruber, kept talking about economy metric -- econo metric models and microecono

metric measures of certain aspects of obamacare that the ceo was duped into believing it was not a tax, then the supreme court said of it later a tax under a condition straougal argument. -- constitutional argument. walking that tight rope was amazing for the people that drafted obamacare, but in all this fancy ropeing and trick rideing to get angels to dance on the head a pin with regard to these kinds of nonsense call federal col sees, we forget in policies, we forget there arely will people's lives involved, my point was, you can say that i was glib, which, jonathan gruber said, that he was glib, he didn't intend to say that the american people were stupid, even though he said it over and over. but, the end consequence of all

of this, is it did affect people's lives, it does affect people's of day lives, and i just topped point that out -- i just wanted to point that out. gerri: congressman i have to tell you it was one of the moments in the hearing that i had chills, you really brought it home, that is what this law means, this law means some people will not get the care they need at the very time they need it we appreciate your telling your story, and thank you for coming on the show tonight. >> thank you, gerri. gerri: wow. we'll be right back. hard it can be...how ...to breathe with copd? it can feel like this. copd includes chronic bronchitis and emphysema. spiriva is a once-daily inhaled... ...copd maintenance treatment... ...that helps open my airways for a full 24 hours.

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gerri: who is mr. clean? a clean cut muscular figure that is take on dirt, grime, but look at this.

♪ ♪ a more sexy time? a more sexy team while i'm cleans my bathroom. here with me now is kennedy from "the independents." >> is he holding a bottle of spanish flying wha what is he gg to do with that. gerri: he -- >> i worry about mr. clean. >> the ad i saw it, first one, he is lean. very metro sexual, right, and mom picks him up like physically lifts him, the mr. clean that i knew and loved, you would not have touched that dude.

>> dr. fraud wall have a hard -- would have a hard time with these mixed messages. gerri: there he is again. >> there is grandma. >> this is better than having drinks with bill cosby, thank you, mr. clean. gerri: what next are they taking clorox away? >> it looks well -- a gimmick, i don't understand that mr. clean is somehow going to add to sexy time, i believe that a clean house is sexy i do. i walk in i see clean surfaces, i am happy. gerri: what next? is this appealing to the millennials? >> yes millennials are theu fily creatures, as science has shown, they don't know how to do their own laundry or clean their apartments. gerri: this is -- you keep that

alive, millennials are filthy. >> i am a proud gen-xer, i love the generation warfare. i see ey a person walking down e street, i say really, the greatest generation, i challenge you to a one arm push up. gerri: what is your e-mail, i don't want them. i think that mr. clean should -- if you make him look younger down here, he should look younger up here, they did not do that. >> i don't know why they did not give him a nice laser treatment, he is a cartoon, that would be easy. >> reforming him, is s total possible. >> it is. gerri: if i come over your house tomorrow it is spotless. >> that is all i'm going to do, i am now so excited about going home, and cleaning and doing a

nice spit polish. gerri: maybe mr. clean would come over. >> gerri, i am married, that would -- >> the old lady did not seem to care. thank you kennedy. >> thank you, gerri, you are a goddess. gerri: hardly, tune in to "the independents" 9 p.m. eastern time, right here on fox business network, they always have something interesting and compeling to say, you will want to see that show. we'll be right back. and the aerospace industry in the u.s.? at t. rowe price, we understand the connections of a complex, global economy. it's just one reason over 70% of our mutual funds beat their 10-year lipper average. t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing.

if every driver in the u.s. kept here's a qtheir car's you: tires properly inflated, how many gallons of fuel could america save each year? up to 2 billion gallons? 4 billion? 6 billion? the answer is... up to 4 billion gallons. by keeping your tires properly inflated, you can increase your car's fuel economy and reduce its co2 emissions. take the energy quiz -- round 2. energy lives here.

gerri: biggest wireless carriers continue to to war with each other, cutting prices in hopes of getting your business, is the price reason you would switch or service. we asked on gerriwillis.com. 33% said service, and 67% price.

that is it for tonight's willis report, dvr the show if you can't catch us live, "making money" with charles payne is coming up right now. have a good night. charles: i am charles payne, you're watching "making money," dow falls more tha than 260, a p decline in energy, oil sinks to a new 5 year low, cheap gas has everyone in america rejoiceing as long as it keeps going down. there is a dark side. let's go to nic nicole on the fr of new york stock exchange. >> charles, they were not done selling, the dow was down 268, oil moved to 5 1/2 year lows, names like chevron and halliburton with 52-week lows, energy lead the way down, all 10 se