range. until we break we'll be range-bound but everybody is really confused. david: todd, thank you very much. facebook before you go is down ended day at 76.24. of it is now 74. liz: "the willis report" is next. >> hello, everybody i'm gerri willis and this is the "willis report." the show where consumers are our business. it's official, gas prices are about as low as they will go. >> still sitting at $2.03 a gallon. didn't move a fraction of a penny overnight. gerri: now that they have finally stopped falling, when will the price at the pump start going up again? america is hooked on amazon.com. a new report shows how much we're spending and are we really getting a better deal? big step back for president obama is great news for the middle white house forced to flip-flop on taxing college savings plans. >> the president's prescriptions for income inequality have actually made things worse. gerri: will the white house go

after new tax increases somewhere else? also it's the latest craze popping pills to make you smarter but do they really work? who doesn't like pizza? domino's goes high-tech for its biggest day of the year the super bowl. >> there is so much we wish we could keep track of. if only you could track how your cat is really spending his day. gerri: all that and more coming up on "the willis report," where consumers are our business. gerri: we begin tonight with a very important story for you and your money and that's gas prices. a big plunge in gas prices over the past year, looks like it is coming to an end, i hate to tell you. in fact the low point for prices might now be in our rear view mirror. the experts at gas buddy say in some parts of the country prices are inching higher. let's bring in patrick dehaan. great to have you on the show. do you believe we've seen the

best of the lowest? >> i think we have. certainly areas of the great lakes, prices really jumped up because of some refinery issues. of course canadians starting to feel it as well. just a the mare of time i think before a lot of motorists realize, hey, prices are starting to go back up. gerri: let's look at prices today. $2.03 per gallon. monday it was $2.02 per gallon. clearly averages are changing and in the wrong way. you talk about the great lakes area but what about the rest of the country? >> what we're looking at is a disconnect between crude and gasoline. a lot of motorists likely scratching their head looking at price of crude which declined almost $2 a barrel to pass new six-year lows. wholesale gasoline prices went up. eia report sizes it up. crude inventories went up sharply. refineries not processing as much product so that led to increase in prices. >> i'm scratching my head.

is that enough of explanation. oil prices go down, prices at pump go up. i feel like i'm being taken advantage of here. what do you say? >> absolutely. it is up to refineries. we could have as much crude oil we wan in the world unless somebody refines it that is where the price is controlled. the middleman here, dirty middleman gets his cut. sure we point at refineries for saying hey, get your act together. that is as simple as. that utilization has been very low. gerri: patrick, we also have news the eia, the energy information agency says oil suprise is surging. 8.9 million barrels in the latest week. that would seem to argue for lower prices not higher prices. >> absolutely it would. that is why, refineries are not turning oil into gasoline. massive week of crude inventories because refineries are not running it through their plants to turn it into gasoline.

gerri: look at places where we have $4 a gallon. florida, california. i believe that is alaska. what is going on there? i mean california, very big state. why do they have such high prices right now? >> california is high. i think you said $4 but maybe you meant something else there. prices moving up. california has cap-and-trade. they have high gasoline taxes. and that, they're starting to switch over to more expensive summer gasoline. gerri: so that pumps prices up higher, no pun intended. >> certainly. gerri: look where the cheapest price. cheapest in missouri, 1.$7 pricey evident,.20. is there any place where there is still $4 gallon gas or even five? >> certainly in hawaii. i think averages are still deep into $3 a gallon territory. hawaii some stations inevitably probably only at $4 a gallon. what i last looked at were

statistics on website said .1% of all stations are $4 a gallon or higher. basically just a few hundred here or there. don't be surprised alaska in the remote areas they lock in prices all winter. they're probably not seeing a whole lot after drop. gerri: before you go what is your outlook? what do you see coming down? >> still a good summer at pump. gas prices rising 30 to 60 cents a gallon between now and may. may will send them down and spend summer in $2 a gallon range. gerri: thanks for coming on. >> thanks for having me. gerri: rising gas prices is not good news but i do have good news to share with you tonight. the president forced to backtrack on his plan to eliminate tax breaks for college 5289 plans. why? because everybody, i mean everybody thought it was a bad idea including get this, nancy pelosi. score one for the middle class. obama zero. guy benson senior political

editor for townhall.com and fox news contributor is here with the latest. great to have you here. >> hi, gerri. gerri: was it democrats that really kay owed this idea? >> i think so. the president doesn't seem to listen to anything republicans want ever. so the fact he got so much pushback from his own party look this was unsustainable proposition, right? especially on the heels of a speech where the president used this formulation talking about middle class micks and one of the first things he wants to do is create this giant new community college entitlement paid for partially by taxing middle class savings for the first time ever in this realm and it was not just pelosi but all the way down chris van hollen from maryland, who is the ranging member on budget committee. >> just a bad idea. just a bad idea, particularly talking about helping the middle class. that seems pretty much the sum and substance of his state of the union. he was say essentially programs the 529 only help the 1%, really

well think. hear what grover norquist from americans for tax reform had to say about that. >> this is a body blow against a lot of hopes parents have to save money for their kid education, this is in obama's plan which he says helps the middle class. few which. gerri. that is grover, do you agree? >> of course he is absolutely right. this was, it's dead, it is doa it is gone. even the president withdrawing it from its budget. if it had gone into implementation, something had passed this is something in a plan that would have really punished middle-class families for behaving responsibly, right? for, saving for their kids educations and taking some of that money, confiscating some of that money people had assuming would be tax-free, save responsibly and bringing it into the federal government to pay for a brand new thing over here that is not middle class economics and president has been forced to relent finally.

although i will say, there is a warning here, there is a lesson here for middle class voters. when democrats like the president talk about the rich and only going to raise taxes on the rich, ultimately the rich only have so much money. the big pool of money that democrats ultimately will need to tap if they want to fund their big government fantasies it will have to come from the middle class. this was just sort of a quick little reminder that's the case in the future if democrats have their way. gerri: you got that right. when it comes to who gets what, gop last year-ended unemployment benefits, extension of unemployment benefits. now a new report out saying that is actually creating jobs. how so? >> well i mean this is what republicans were arguing throughout the entire unemployment benefits debate. they were saying, when you let people stay on the government dole, month after month, year after year where they can sit back and not necessarily sit back and do nothing but sit back to be choosy to wait for the specific job they want, rather

than seeking out employment and taking it, to fend for themselves and to supply their family with an income, when the government's in there artificially propping that up, people will hang back and wait and not go back to work. when you when you close off that spigot for a lot of these people, they are going to eventually stop being quite so picky and they will go and find some work. that, what the study showed, 1.8 million americans did that because of this policy. gerri: i have to tell you, lesson of both of these stories, right? you give people incentive to the right thing and they will. >> right. i know there are some objections, i read some objections among more liberal economists saying this particular study, they had some issues with many some of the methodology, i'm not equipped to get into the weeds. i point out when exact same scenario and debate played out in the state of north carolina where republicans were excoriated and mean-spirited and nasty for curtailing these benefits these unemployment benefits and then they lapsed

guess what happened? same exact thing. a lot of north carolinaians went back to work. hard to hearing that's a bad thing. gerri: guy, thanks for coming on the show. good to see you. >> thanks, gerri. gerri: we have more, more more to come this hour including how domino's pizza is putting its game space on for its biggest delivery day of the year, the super bowl this sunday. amazon prime delivering sale after sale but are customers really getting the best deal? stay with us. ♪

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gerri: a lot of us shop on amazon.com right? a new survey find that those who were prime members of amazon, prime members, spend an average of $1500 a year on the website compared to the $600 of non-members. how is prime getting you to spend all that extra cash? consumer analyst andrea warrick joins us now.

great to see you. >> always a pleasure. gerri: always a pleasure to have you on. why are people spending so much more using amazon prime? >> well if you think about it, there definitely have been a surge in online pricing. more people use tablets mobile phone, shopping from home and everybody wants everything urgently. faster delivery times are more important. prime members already paying for service and get free two-day rush shipping why would they shop anywhere else other than amazon? amazon has done such a great job at creating the perception that they offer the lower, lowest prices compared to brick-and-mortar stores. so it makes sense that people are doing majority of their shopping. gerri: we'll unpack that in just a second. i want to show folks what you get for 99 bucks a year. protwo-day shipping. unlimited access to movies and music. exclusive products. there are a lot of things you get for that money. but i have to tell you, when i saw it was $99 a year i didn't

realize i was paying that because it has gone up over time. kind of your savings that you're getting it is diminishing, isn't it? >> the price for prime membership has gone up by $20 over last year. however, if you are doing a lot of your shopping online and you are taking advantage of the two-day shipping or you're not meeting that $35 minimum order to qualify for shipping, then the shipping services alone pay for the prime membership. if you don't shop online frequently it might not make sense for you. if you're looking for less expensive alternative to video streaming services compared to netflix and hulu, amazon prime instant video will be less expensive then. gerri: lots of interesting stuff going on with entertainment but first, it sounds like you're saying if you are a frequent online shopper maybe there are things you used to buy in the real world now you buy online. toilet paper.

all the usual household items you have delivered to your door. the question is when am i spending more on this kind of stuff than in the real world? what is amazon charging me more for? >> that is the interesting part about it. we all perceive amazon to be this great online retailer for low prices and they do a really good thing with pricing strategy highly viewed products or products often associated with amazon like electronics and gadgets, they keep those prices low so they create that perception they offer low prices but other items typically you don't associate with online shopping like car tires, toiletries those will not be cheaper on amazon. when it comes to big-ticket items like car tires maybe important to compare prices but bottle of shampoo people don't want to run around the store to save a cheaper price maybe 50 cents. it boils down to what is important to you convenience or

fast delivery or bottom price. gerri: give folks some idea how to compare those prices. you have some great websites great apps to do it. >> yes of course, anytime shopping online or shopping in store i want you to track prices. we heard about dynamic prices. you and i talked about that. gerri: right. >> with stores fluctuate prices on good throughout the day throughout the week. track the prices with poach it or track it. it will set sales alerts. if you buy something today you notice it goes on sale today and goes lower tomorrow you can ask for price adjustment. or use price grabber.com to compare prices online across hundreds of retailers. coupon sherpa for finding online coupons. for delivery cost, find expedited deliveries there if you're not shopping at amazon and not a prime member become look there for deals. invisible hand is really cool online browser extension that

offers you instant price comparison for anything that you happen to be browsing online. so kind of does the work for you. gerri: andrea, 40 million folks are amazon prime members, paying that 99 bucks a year. that is a lot of people. they have really hooked a lot of us. thanks for coming on the show. great information. >> thanks for having me. gerri: we want to know what you think. here is our question tonight. how often do you shop on amazon once a week, once a month, never, never go there? log on to gerriwillis.com. vote on the right-hand side of the screen. i will share results at the end of tonight's show. we have an important "fox business alert" for you. seems one step forward, two steps back for turbotax these days. after agreeing to refund customers forced to spend 50% more on their software tax software this year, more secrets are coming out. according to "usa today," the company that makes turbotax intuit has a database database which keeps all your information, talking names, e-mails addresses yes even

social security numbers. now if you're thinking, ithe program on my desktop and store everything on personal hard drive, so my information is not inconcluded. nope, you're wrong. think again. your data is stored by intuit as well. so what does turbotax have to say about all this a spokeswoman says the database is all in accordance to irs regulations. well if the irs says it is okay, i feel so much better, don't you? coming up later, the federal reserve is keeping a party going. great for wall street. how can you benefit from the low rates? speaking of a party, are you ready for the super bowl? domino's pizza is here to tell us how they are going high-tech for their busiest delivery day of the year. ♪

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gerri: you can forget about the federal reserve. one of the biggest and best barometers of the economy is pizza and business is booming. dom set to have the busiest day of the year thanks to this weekend's super bowl. with us tim mcintyre from dominoes. welcome to the show. great to have you here. >> thanks for having me. gerri: we're really interested what you're doing with the super bowl. i want to ask you about high-tech things you're doing. we heard from companies like starbucks, technology is critically important to their future. what kind of plans do you have when it comes to high-tech? >> we have a lot of plans, we have a lot of things going. we dominate 95% of the smartphone and tablet market. you can order from any digital device. it makes up about 50% of our sales. what's new this year, is that if

you have a new samsung smart tv you can track your order without ever leaving your living room. gerri: it shows you exactly where your pizza is in the process of making and delivery? >> exactly. it shows you who is make pizza. when it is in the oven. when it is leaving the store and name of the driver. gerri: tim, i want to show you, i don't know if you have return but we'll show our viewers. we have a bunch of do knows pizzas here in the studio. we tried to keep some of it here. look what happened of most of it is gone. folks right here in the studio started eating. once you smell that, you just can't stop yourself. so what do you guys have cooked up for the super bowl? >> we have so many different varieties. get pizza, pasta wings, bread, sides, you name it. you can get a chocolate dessert from dominoes. one of the things we're really

focused on the idea of using technology to help you with your order. if you want to order today you can place an order online and have it timed for kickoff on sunday and we will be there. gerri: so tell me, some people out there putting out glueden-free pizza. is that the next place you will go? >> we're already been there. we're the first national chain with gluten-free crust. we launched it two years ago. we want to reach those gluten intolerant or reduce it in their diet. it is a steady seller for us. gerri: i'm curious. basically you're selling bread and tomato sauce, right? but you find endless variations on this. how can you continue to be so creative? >> that is the beauty of pizza is customization. with dominoes alone through crust types and toppings there are 34 million different combinations of pizza you can order. when you go outside of the u.s. you're talking about toppings

that meet other cultural needs. you can find fish and shrimp and eggs on pizza across the world. gerri: what is the wildest thing you put on a pizza? >> my favorite from japan. it has got potatoes bacon and sweet mayonnaise. gerri: that sound pretty good actually. i like that idea. >> it is. very good. gerri: what is the biggest threat to your business? is it fast casual? is it chipolte? >> we, i think if there is a threat it is our lack of focus. we want to continue to be where our customers are and we have been paying attention to consumer demand they want to see their food being made. we'll remodel all pizza stores end of tme world by 2017 into what we call the pizza theater. to bring the art and theater back to pizza make. so the kitchen is in front of the store and consumers will -- gerri: you will have some guy

throwing peas swap into the air, is that the idea? >> we don't train it that way but we don't, we actually are encouraging our pizza makers to do it when people are in the store, especially if there are kids in the store. gerri: quickly, super bowl weekend, your biggest weekend, very big for you. what do you think will happen? will this be bigger than last year? biggest ever? have consumers really loosened their wallets for pizza? >> jobs are getting are growing. the economy is getting better. fuel prices are low. people have more discretionary funding. i think with the unique news stories around the super bowl there will be a lot of people tuning in. and we're ready to serve them. gerri: i bet you will be very very busy. tim, thanks for coming on the show tonight. >> thanks for having me. >> and it is fbn's hottest new show. it is called "strange inheritance." hosted by our own jamie colby. at 9:00 p.m. eastern jamie

dives into the world of antique cellos, i can't wait for this, with a 300-year-old stradivarius. that is tonight at 9:00 p.m. boosting your brain power and we'll investigate the new craze. money coach takes on health insurance business. for one business owner it is easier to skip the insurance and just pay the penalty. what about the long run? our money coach is next. ♪

gerri: welcome back to the willis report. in a moment, our money coach is here to help a small business owner. it's time now for a look at other stories in the news. as many as 6 million households may have to pay a penaltior penalty for not having health insurance.

this is the first year people will face the obamacare penalty when they file their taxes. and california health officials have declared electronic cigarettes a health threat and want to regulate it like tobacco products. the state lawmaker has just introduced a bill to ban e-cigarettes in public places. bacon lovers rejoice. bacon is falling. pork prices could fall lower. good news. and a new video has gone viral, a puppy named quinn, eager to play out in the snow in new hampshire. however, she had a little difficulty keeping her ballot balance on the ice. now, time for our money coach. the deadline to purchase health care through the federally operated health care place is coming up. february 13. a mama thinks her family is better off paying the

obama penalty. is it risky. derek and hairstylist rebecca. rebecca, welcome to the show. so good to have you here. (?) >> thank you so much. gerri: help us understand what your family is like. what you're earning, what you're facing and why you're choosing to pay the obamacare penalty instead of buying health insurance. >> okay. we make about 80,000 together a year. and we just find that to pay for health insurance every month is a ridiculous cost to what we would pay for self-pay. when we self-pay at a business establishment for our health care we don't have to pay that much. they lower the rates. plus, we have to include that penalty. it's still cheaper for us to do that than to pay monthly for health care. gerri: what would you face if you were to buy a policy the old-fashioned way. >> for example we might spend five to $800 a month. with $500, you'll have a higher premium.

then you're talking about 80/20. so i have another bill coming in the mail. if i go up for my family of five, i might have less bills in the mail of course, i'm paying more on the month. gerri: this is a quandary faced by many. rebecca is 44. a family of five. she has three kids. not a small family. it's a huge cost. does this make sense. is she making the right choice? >> i think she's making a good choice based on her situation. let me go back to the numbers. this will give us some perspective. think about the obama penalty this year. $325 per adult. $162 per child. for a family of five that's $1,100 per year. or the other factor is 2% of household income, which is $1,415 for them. they'll pay that in just

penalties alone. when you factor what it will be next year, the adult cost goes from 325 to 695 these become staggering numbers very, very quickly. gerri: yes. >> what this comes down to gerri is economics versus risk. so far this gamble has paid off well. the bottom line if there are surgeries keep in mind when you have self-pay, hospitals and medical providers are open to negotiation. the research i've done shows, they may cut as much as 50, 60% off. you may have to ask for it. that's a big discount many people are benefiting right now. gerri: let me ask rebecca. i think she's done that. >> yes, i have. gerri: you were able to negotiate away thousands of dollars of payment. what happened? >> right. yes, last year my son had an unexpected surgery. the bill came in the mail. about $22,000. gerri: wow. >> they found we were self-pay. they said if you can pay this amount, x amount of

dollars, happened to be $4,000, within the next 30 days, that's your bill. so my bill was four thousand. gerri: wow. look, if you can stay healthy and keep those costs down you're in good shape. if you can continue to negotiate, derek, you say they need to be setting aside money for these 4,000 surgeries. >> yeah. if they were to continue with the obama penalty at some point they reach a point where it will cost more to pay the penalty than to have an insurance policy. gerri: just a second. that penalty goes up each and every year. it becomes onerous. >> each and every year. 800 to $1,000 a year in terms of insurance costs. that's a big nut to crack. if we don't have insurance, what can we do? what i would suggest rebecca and scott do is have a candid discussion about the mediocre options available to them. let's face it, that's

what's available to people right now. you make the best choice available. two questions for rebecca and scott to talk about, number one are they willing to take the risk given a health issue down the roacomfortable doing that, what are the ways to protect themselves? if they decide not to take coverage, set aside a couple hundred dollars a month. stash this pile of cash over here. if something comes up they have money to fall back on. the issue though becomes, if a catastrophic issue occurs, they could be saddled with debt that could last a long time. it could hinder education and future savings. gerri: it's a big risk your family is taking. i have to tell you, a lot of families are in the same situation. we feel for you. great job both of you. >> my pleasure. thank you. gerri: and now it's your turn. do you have a question for our money coach? go to gerriwillis.com.

send us an email. you can get expert advice. and coming up later in the show thinking about starting a family soon or down the line how you can protect your fertility options? will popping a pill make you smarter? here's the consumer gauge with the numbers that matter the most to you. we'll be right back. ♪

gerri: the fed today wrapped up its two-day policy meeting. and the headline: it's this they're in no hurry to raise rates. the fed is committed to keeping rates near zero at least until the summer. the word of the day was patient. how long can savers remain patient? with us, chief financial

analyst, greg mcbride. greg welcome. it looks like we could get placed on hold. most economists still on that june time line. do you agree? >> yeah. i think june or back half of the year. we will see the fed get active. look, my forecast is much more conservative than the fed themselves. i see them raising rates a couple of times this year. that's it. just a couple times. and, you know, the timetable will come in the clear. this is a fed that is clearly in no hurry to begin raising interest rates. even once they start, i think it will be very deliberate. gerri: why are you so conservative? >> there's a lot of moving parts. one thing or another, whether it's the economy firing on all cylinders and then it stubs its toe. we came out with an economy doing, well, then that miserable first quarter, that just pushed the timetable out. we have a lot of these things that come out of

left field. i sort of expect that again. the other factor is the fact that we have a slow-growth economy. i have a difficult time seeing how we'll kick that into a higher gear without higher income. until that household income materializes. i think we'll continue to be a slow-growth economy. gerri: i think you make a good point. bankrate.com makes a good point. low rates are supposed to spur growth. at the same time, savers got hit. that's the flip side. how bad is it for people who don't want to walk out the risk curve, want to be in safe investments? >> well, it's just been a long tough slog. we've been at these rates since 2008. you might see some improvement this year, but the improvement will be very modest. 2015, all told, i think we'll be hunkering down and safe haven investments won't grow

your buying power. it will erode your buying power because the rates of return will at best keep up with inflation. you probably won't outpace inflation. you need the fed to start raising interest rates before you see good return on those accounts. you have to hold that inflation doesn't offshet those increases. gerri: great to see. come back soon. >> thanks, gerri. gerri: and now to a growing trend among the overworked and sleep deprived. a cocktail of pills called smart drugs meant to increase brain function and performance. is it safe. immune ceo. great to have you on the show. >> great to be here gerri. gerri: i think this is fascinating. tell our audience, what is a smart drug? >> smart drugs are basically nutritional components that are marketed as enhancing performance. and those drugs are

cocktails of, you know, products for the most part. sometimes they used to be drugs. one of them used to be a prescription drug in europe and is marketeds aaedas a drug that enhances performance. gerri: this is everything from souped up coffee to something that might be an illegal drug. right? there's a big range of products out there. >> no, absolutely. and that's where the consumer has to be protected. for example, we're not talking about enhancement. researchers looked at 80% of drugs herbal supplements that they looked at contained the active ingredient of the drug viagra. and the fda, and the fda actually i think fined 11 companies for having counterfeit drugs included in their supposedly natural products. gerri: so these things don't get

tested. we don't know if they're safe. >> no regulation. gerri: your company doesn't make these drugs. >> absolutely not. gerri: you're looking at this category because potentially some day there might be a drug you might want to manufacture or make. right? >> well, gerri, there's a convergence between the food and nutritional world and pharmaceuticals. people want natural products that enhance their performance and that's a fine line. and obviously the fda doesn't have the resources to control everything. but i think what the consumer deserves is at the very least knows what's included in the products. that it's safe. and no overclaim of performance. gerri: now, we hear stories about taking scores of pills every day. big vats of pills they take that are all kinds of things. you know, maybe that's okay this week, next week, but if you're doing that over a long period of time, can you be certain of the impacts on your body.

>> if they only contain natural substances there's no risk. because it's a very competitive market, the manufacturer feels obliged to actually include a counterfeit drug, then there's a major risk for the consumer. gerri: fascinating story. can't wait to read more about it. nice to meet you. and, next dealing with the anxiety of starting a family. kara philips, the wife of fox news john roberts. he's here with her and her new book about how to protect your fertility. we'll be right back. ♪

gerri: a business alert, mcdonald's ceo is out. don thompson will retire at president and ceo and from the board of directors after nearly 25 years at the company. the mcdonald's board has elected steve to replace thompson. thompson's last day is may first. mcdonald's has been trying to spice up its menu. mcdonald's ceo is out. investors like the move. the stock price up 3% after hours. moving on to a totally different topic. as more women choose to start a family later in life, anxiety about the ability to have children is growing. about 20% of women in the us now have their first child after age 35. think about that. here to help ease those concerns the author of a new book called "the whole life fertility plan." and kira philips is here. we should mention that her husband is part of the fox family. john roberts is a national correspondent.

>> i love this fox love. i remember interviewing you when your book came out on my show. this is wonderful. we've come full circle. gerri: what goes around, comes around. what you're doing is so interesting. you're talking from a place of experience. tell me why you wrote this book. >> well, because here's what happened. you know what it takes to work your way up in this business. i had given up on love and relationships and it was all about career. all of a sudden i hit 30 i had this great job. i better get going. the biological clock is ticking. so i rushed to marriage. rushed with going forward to what i thought would be balance. here i am covering the war in iraq. i'm going through a terrible divorce. my house floods. i lose everything. i'm 40 years old. wow, it hit me. i have to do something.

i know i want a family. looking for information. trying to figure out what i can do. i couldn't find it. so after going through the process of fertility. i thought, i will write a book that will empower women from teenage years all the way through 40. gerri: youthe information in this book is stuff that i've never seen before. >> and you're well-read on stuff like this. i learned so much researching this. and my doctor, dr. jayne, he was at nyu fertility. he was saying, wow i'm learning a lot here about all the stuff affecting our body. gerri: i think our audience would love to hear this. you have to protect your fertility. i don't think young women think about that at all. it matters what you eat and do. give us examples. >> absolutely. one chapter have chapter i love. put down that drink. look out for that lipstick. don't eat too much bacon. exactly.

the cosmetics we wear a number of lipsticks were found to have led. led leads to miscarriages. candles. vocs. volatile organic compounds are in candle does. when you're burning them actually these chemicals released in some of these candles are as toxic as cigarette smoke. you want soy-based candles. gerri: this talks about being a mother to be. we have pictures of you and john and the twins. (?) >> yes. gerri: and i know our fox viewers would love to see this. look at this. >> those are our babies. those are our babies. finally came into fruition. gerri: look at john. oh, my goodness. >> yes, of course, i had to show you that one. we were given a hard time about that. i do believe we have a

fair and balanced one. yes, there he is. it's equal opportunity family here in household. gerri: so tell me, how old are they now. >> four in march. it goes so fast. gerri: i can't believe that. so what did you do? you were already 40. there's john with the baby. >> that's right. he's such a great dad too. he has so much joy with them. gerri: what did you do to have these babies? >> i actually went through fertility. i embraced it. it. even though i had a couple of miscarriages and it was really tough and took two years. i didn't give up. gerri: you persisted. you wanted a family. and a family with john. >> i did. and if i can tell younger women in their early 20s hey, there's stuff you can do so you don't have to be in the position i was in, you can do it. that's what's in the book. gerri: i love that message. that's beautiful. kyra, thank you for coming on the show and telling us about the book. >> means a lot to me.

gerri: the answer to the question of the day. how often do you shop on amazon? once a week, once a day never? we'll tell you all about it.

gerri: amazon is quickly becoming the walmart of the new age. so how often do you shop on amazon? 12% of you said once a week. 43% said once a month. and a bunch of never go there at all. 45% aren't amazon shoppers. here's what you're posting on my facebook page. maybe once or twice a year for outdoors stuff. now and then. but it has to be hard to find a bargain price. >> for me, amazon prime is worth it. i live in a rural area, and i do all my shopping through amazon. in addition to following me on twitter and facebook, be sure to like fox business on facebook. and that's it for tonight's willis report. thanks for joining us. dvr the show if you can't catch us live.

"making money" with charles payne is coming up next. have a great night. ♪ charles: i'm charles payne and you're watching "making money." after crashing 300 points yesterday the market struggled to stay in the plus column, but lost and lost big. down another 100 points. as oil hits a new low. even after black buster earnings from apple and others, can facebook turn it around? let's go to nicole petallides on the floor of the new york stock exchange. nicole. >> that's right, charles. you say jam-packed. every day feels jam-packed. it's pertaining season. we had a slew of news coming in. economic news. international news. today certainly it was higher. right? we were up almost 100 points after yesterday's bloodbath, to a certain extent. but we lost it all