man. >> yeah. let's hope that his legacy continues. and, by the way, the rest of the interview, foxbusiness.com. check it out. >> we hope you have a great evening. we'll see you back here tomorrow. meanwhile, the willis report is next. gerri: hello everybody. i'm gerri willis and this is the willis report. the show where consumers are our business. >> it's an orwellian nightmare. it comes with a privacy warning because of snooping on your personal conversations. >> federal government can be listening to what you're saying in front of that television in your own home without you knowing about it. >> robo callers are coming after you. they're pushing to change the law that keeps your cell phone off-limits to annoying and unwanted calls. another winter storm that slammed the northeast. boston to break more records as they face a new problem, what to do with all that snow? >> this is an actual giant pile of snow.

these are periodically placed all the way down the street. it's a struggle to find places to put it all. >> the big data theft. what should you be doing right now to protect yourself? our consumer expert clark howard is here. and some say it's no longer the american dream. why an increasing number of americans want to rent, not buy. >> it just makes sense right now, with the economy bottoming out. that i continue to rent. gerri: all that and more coming up on the willis report, where consumers are our business. ♪ gerri: we begin tonight with a new intrusion on some of your most personal spaces. samsung has a new tv that comes with a a privacy warning. it listens to you and records your conversations. and our cars are pushing the boundaries of privacy and data collection. so far that congress is stepping in. with us to examine the issue, cyber and

identity protection experts joe lumis and adam. i want to read what samsung, a little disclaimer that samsung put out with its tv. your device may capture voice commands and associated texts so that we can provide you with voice recognition features. please be aware if your spoken words have personal information that info will be captured and transmitted to a third party. what's going on here? >> well, this is part of the whole concept of the internet of things. and unfortunately -- >> all right. internet of things. describe what that is. >> internet of things are all the appliances and electronic devices that are in our homes that interconnected. >> because they're connected to the internet. >> that is right. >> information can come in and go out. joe, when you look at this, tell us, what do you make of this privacy

policy? >> i'd say is convenience worth the vulnerability of being intruded upon? i mean, that's the thing you have to think about. all these convenience expense -- explosive growth or convenience towards the market, it comes at a draw back of invading your privacy. do you trust that samsung has the vulnerability patched in the -- the exploits for the software development there to ensure they can't be comprised or hacked? it comes down to, what is your privacy work? is it worth that you have to talk to your television? gerri: talking to your television sounds like a bad idea to begin with. adam, to you was this idea or our idea? does d consumers ask for this? who is that third party listening in anyway? >> whatever they retain in order to gather and analyze data. (?) the concern is that everyone is trying to -- this is a rush to the finish line to see who can create greater convenience for consumers and newer and

more exciting bells and whistles. unfortunately, we're getting caught up in it so much our eye is getting off the ball. the ball is privacy. the concept that you may have to self-sensor in your own living room is totally -- >> ridiculous. it's hard to imagine thinking what about what you're saying in your living room. our cars are essentially doing the same thing. joe, to you. the senator putting out a report saying big problems with cars. they're hooked up to the internet. somebody could hijack your car. what are the risks? >> well, the risks are actually death. because the problem we have now with the cyber breaches is we really haven't seen any loss of life. now that we're really dependent on the internet of things and the connectivity of our automobiles, you now put your life at risk in hoping your car doesn't sustain any kind of vulnerability or exploit where your brakes start failing, your car turns off when you're on the

freeway. so on and so forth. how much is convenience worth? is it worth having the convenience of browsing your internet on your phone. on your dashboard. is your life worth that? is it worth having the convenience? gerri: i look at this, adam, i think, who will go through this kind of trouble to try to hijack your car? the very real threat is there. not only can they, you know change what your windshield wipers are doing. put on the brakes. they can do absolutely anything. but how would that as a practical matter work itself out? who will do that? >> think about someone who wants to commit a kidnapping, for instance. what they would do is mask your ability to see what's going on on your dashboard. you may think you have more gas than you do. they may lock your doors. take your car out to a remote place.

debt collectors can shut down a car if you're late on your bill. gerri: holy cow. >> they shut down your car. you can be vulnerable to carjacking. kidnapping. it's a very scary -- i don't want to be the most par annoyed person in the world, we're living in an environment that is welcoming more paraannoy i can't than before. >> are automakers doing anything to fix this problem? (?) >> there are discussions going on with detroit and automobile manufacturers including tesla being on the forefront of vulnerability. we saw recent vulnerability exploit with the tesla market. with congress being involved, there will definitely need to be strong security advocates in the market to talk about, how do we protect ourselves? what limitations do we allow the automobile manufacturers to allow internet access. there's no regulation around that. that's something legislation should be talking about. if it were up to the auto manufacturers,

they'll be doing everything they can to be most convenient. we're a lazy society. humans are lazy. we're a lazy species. anything that makes our lives better, sells more. unfortunately, we don't think about the drawbacks unless you have guys like adam and i in the room. gerri: listen, i got to disagree with you. i think people are really hip to this, and they don't like it and they're starting to complain. the snowball will only get bigger and roll down the hill and we'll have more and more consumer advocates stepping up like the two of you. thank you for coming on the show. joe and adam appreciate your time. here an update on a cyber security story. the turbo tax people have resumed filing electronic state tax returns after stopping the practice last week. the problem seeds using -- stealing possibly your refund. turbo tax says all is well. i say this, file early this year.

the bad guys are out and about. if your refund gets hijacked there's no recourse for you. get those forms out of the door asap. another winter storm bearing down the northeast. all new snowfall records in boston. mass transit in the city will shut down at 7:00 tonight. mollie, i hear there's 5 feet of snow up there. what's going on? [laughter] >> there are almost 74 inches. the tenth snowiest winter on record. it's not over yet. the winter is still going. this is one of the narrow streets in boston. watching the cars crawl here and playing a game. is that a snow pile or a car buried? about every other one is just a snow pile that the neighbors have created because they're trying to find a place to put all this stuff. the rail service tonight, it's the rail service of the mbta, the

trolley and trains will be shut down at 7 o'clock tonight. hopefully folks got word earlier enough to hop on the trains and get ready. we spoke to one boston resident. >> i'm getting tired of it. yesterday we had to do it. and it's been two or three times a day for every storm. gets backbreaking after a while. >> that it is. a lot of hardy new englanders out here. one more issue that the city will have to contend with: schools. a big problem. already seven snow days in the past week or so. now cutting into some of their vacations coming up in order to make up the days. that's the latest news here. that willthankfully, it's just beginning to stop snowing. let's see what will come to pass. it's expected to taper off in the evening

tonight. gerri: those big hills are bigger than you are. keep it boston strong out there, my friend. >> they're over my head. gerri: ridiculous. thank you. and still a lot more to come this hour including, how do you do that? 529 plans to help you save for college tax-free. there are other tax breaks you might be missing out on. owning a home is the american dream. but now many people are opting out. is that a good idea? we'll debate the topic next. ♪

gerri: and now on to how a new report says we're fast becoming a renter nation. even in places where owning can be cheaper than renting people are still opting to rent. so what's going on and how does it impact the rest of the economy? with us now, fox business contributor and chief of economist for the heritage foundation, steve moore.

and brian professor of business and economics of kings college in new york city. brian, i'll start with you. so why are people opting to rent, particularly in the big cities? >> i think what you have right now is a situation where the -- the economy is just far more uncertain than it was 30 50, 75 years ago. you think about a knowledge economy. you think about high skilled jobs. not an economy where you can expect to take a job and keep it for 30, 40 years. you'll be shifting around from year to year. decade to decade. a lot of people are grapple be with that reality. gerri: is it the bust? a lot of people lived through the housing bust. they saw housing prices go down. maybe they saw that of their mom and dad. what are they thinking about when they rent, even when it's cheaper to buy? >> i don't think there's any question that people are traumatized. greatly traumatized where people lost their homes and life savings with these -- the low

down payment loans and so on in 2008 and 2009. it's a curious thing. at the same time people are not buying homes, we have the lowest mortgage interest rates that we've had in 50 years. gerri: absolutely. >> now, is not a bad time to buy a property. i agree with the professor. one of the reasons, in addition to people being traumatized, just the kind of long term jobs we used to have in this country don't exist anymore. it's a new economy. you know, these younger workers are footloose and fancy free. they don't want to be tied down to a house. gerri: it's funny. because you look at the lifestyles they lived before they settled down. all the services he get on campus. the life of reilly. this fabulous existence with great food served for you. why would you possibly buy a house and endure the upkeep and work associated with it? brian, what do you say? >> as you just said rents are really high right now. it's like the flip

situation of what it was eight years ago if you had done the story, we had record amounts of homeownerships. people were buying homes they couldn't afford. gerri: exactly. these renters are in big city. miami, 65%. new york 64%. houston, 54. atlanta, 49. at least a couple of those cities you're looking at, especially houston and dallas, big numbers and improving jobs market. to your point, which is people are moving there for the first time in their lives. >> yeah. you know, the recovery -- we've only been in the recovery situation for not a long period of time. people are getting back into the work force. they don't have a sense of, this is what i'll be doing for the next ten 20 years. you can't expect them to make that big investment right now. gerri: i saw one story about this story. i'm moving to houston for the first time, i don't know if i'll like the city. i'm not buying yet. let me get to another issue.

so the federal reserve has said that when you look at the money people have when they hit retirement by far, the largest cash of money they have is in their home. (?) not a 401(k). not an ira. money is fungible. those instruments are leaky, as you know. people are using money for other things. wouldn't it be smarter to have an investment in a house ultimately to put that down and diversify your portfolio away from stocks, bonds and other investments? >> you know, i think both. i mean look, i think homes are always a good investment. but my goodness, the long-term rate of growth in the stock market, adjusted for inflation is seven or 8%. you want some money in the stock market. this is a big problem with the economy right now. only the top ten or 15% are investing in the stock market as we had this boom. the rest of the america is being left behind. gerri: totally true. brian, should it be a multi legged stool?

should people be invested in more than stocks and bonds? the ira, the 401(k)? >> diversifying your investments is a good idea. the thing about millennials, they're having to make bigger investments -- gerri: what do you mean about that? >> high skill economy. jobs are changing. gerri: education is too expensive. >> and i don't mean formal education. informal education. and formal education. they have to make a bigger investment on human capital. many people are making that bigger investment at front, delaying the home ownership because they'll have to live off their human capital. gerri: i don't think their decisions are all that rational. i see how they spend their money. they're not like gee, my human capital costs are high. >> yeah. the other thing those cities you're talking about, san francisco chicago, atlanta dallas those are hot cities. everyone wants to move there.

the prices to buy in those places are huge. san francisco my god, you have to be a millionaire to buy a house there. gerri: forget it. you can't buy a closet in san francisco. let me tell you. maybe a doghouse somewhere. out on the bay, i don't know. steve and brian, thank you for coming on this show tonight. appreciate it. and now we want to know what you think. here's our question tonight: do you own your home or rent? log on to gerriwillis.com and vote. i'll share the results at the end of tonight's show. coming, up next, obamacare is heading to the supreme court again. my next advice to the g.o.p. don't bungle this opening. let us know what you think. tweet me. or send me an email through our website gerriwillis.com. we'll be right back. ♪

gerri: republicans announced a new replacement for obamacare last week, just weeks before the supreme court will hear arguments that very well could dismantle the law, the obamacare law. my next guest is challenging the way the g.o.p. is handling this and has a plan on what he thinks conservatives should be doing. joining me now physician and resident fellow at the american enterprise institute, dr. scott. thank you for coming on. before we move forward let's describe what king versus burwell is saying in this lawsuit that will appear before the supreme court justices. >> it says the subsidies offset the obamacare plans can only flow to individuals in exchanges run by the state. thirty-two states didn't set up their own exchange. they're using healthcare.gov, which is the federal exchange. if you read the plane language of the statute it would suggest strongly that they're

not eligible for those subsidies. gerri: what's going on is republicans are coming out with bills to try and get rid of obamacare. fred upton and orrin hatch that will essentially throw the law out the window. why not that? >> if they lose the case, the republicans will have a moment of leverage. that moment won't last forever. they have an opportunity to drive meaningful reform of obamacare through. but if they put up a full replacement of the law, the president will veto that. they don't have the votes to override the veto. gerri: how likely is it that the president puts out an executive order and says the federal exchanges in those states are state exchanges. consider them state exchanges. >> that's exactly what they'll try to do. there's something called state supported exchanges. three states that have. which is basically the front end of the state exchange but the back end defaults to

healthcare.gov. those state exchanges qualify as state exchanges. it requires the governor to do something affirmative. they have to have an executive action to become one of those state supported exchanges. this will put a lot of -- it's easy. but it will put a lot of pressure to do something affirmative to support obamacare. they'll see the subsidies go away. gerri: this is so complicated. is there something simple that the republicans could do that would blunt the acts of obamacare right now? >> they could pass reforms to deregulate the market. the president will have a hard time vetoing that legislation. that will create more opportunity for individuals to get a wider selection of plans. gerri: there's no choice of doctors, very narrow networks, the prices are through the roof, and you think that allowing these insurers to compute would be a better solution? >> right. basically refer back to the way it was. governors would get in

return for starting these state-based exchanges. gerri: the other problem, of course, is that these insurance policies that obamacare mandates, they're all the same. right? >> right. gerri: you can't get something like catastrophic or something very targeted to who you are and what you need. >> right. it was designed that way. it's a one-size-fits-all plan. if you go between the gold and silver and bronze plans, the only thing that varies is the cost plan. the actual networks, the benefits you're getting is all the same. people aren't getting a choice. everyone should be buying the silver plan. that's where they'll get the most subsidies. gerri: wow. cost sharing. i feel like i've shared all my costs. like i'm paying the cost. that's the way a lot of americans feel right now. if you're not getting the obama subsidies you're paying for everybody else. >> that's the problem. it raised costs for everybody. the subsidies will go away. all the pain of obamacare, but none of the subsidies to offset the pain.

that's the problem if conservatives win this case. that's why they need a plan ready. gerri: thank you. later in the show, is your cell phone about to ring with a robo-call? thieves are targeting anthem customers. what should you be doing to protect yourself? consumer advocate clark howard is here with his advice. here's your consumer gauge with the numbers that mean the most to you. we'll be right back. ♪

♪ gerri: welcome back to the willis report. in a moment, consumer advocate clark howard sounds off on one of the biggest health care data breaches ever. it's time for a look at other stories in the news. president obama confirmed he is considering sending weapons to the ukraine if diplomacy can't be reached. during a joint press

conference with angela merkel the two leaders pledged to work together toward a diplomatic -- with russia. the heaven, hsbc dodged taxes. however, the company maintains the unit has undergone a radical transformation. gas prices are rising. the national average for regular gasoline, 2.17 per gallon. up 12 cents in the past week alone. aaa motorists should expect to pay more in the coming weeks. measles are spreading. the number of measles cases this year has jumped 121 people in 17 states. the cdc reported 102 cases in 14 states. and those are some of the stories in the news tonight. and moving on now, as many as 80 million people may have had

their information stolen when anthem was hacked. cyber criminals raided the insurer last week. getting their names on social security numbers names, and birthdays. what should you do to protect yourself? joining me now consumer expert clark howard. clark, welcome back. great to have you here. >> thank you. great to be here. gerri: you say this hack is more dangerous than the others we've heard about. why? >> oh, yeah. this is not like target or home depot. those are like pee-wee football. this is like the super bowl. the problem here is the criminals have all the information they need to basically replicate fort knox over and over again for themselves. because with the information they have from anthem, they can take over your identity my identity, anybody's identity who is among the 80 million like that. they've got everything they need to credibly be you. gerri: right. >> that's why this one, is of all the data

breaches we've heard about, and people are in a full zone out on these things they've come one after another, and the number of people involved is always so big. but this one is the real deal that you need to pay attention to. the boy crying wolf, the wolf is really at the door this time. gerri: i agree. social security numbers are a very big thing. again, we're talking about a company that has medical data. we took a look at what's going on in that arena. what you find when you talk to people in the business, 45% of them say, we're not ready for a hack attack. something were to happen here, as you well know, clark howard, the value of that health information, it's worth more to hackers than even your social security number. if they get their hot little hands on your prescription for xanax or whatever, it will be an ugly scene. right? >> yeah. and the information they have is for financial

crimes. you're talking about a bigger ugly picture when they have our personal medical information. and unfortunately, we don't have firewall sufficient in any of this information area to truly protect people. all you can do is protect yourself. and i've got something that i really like for people to do. gerri: what's that. >> right now. go through the process of freezing their credit. you know anthem has done what corporate 101 is. well, we'll give you credit monitoring or whatever. that's a joke. if you really want to do something to keep the criminals out of your business and taking over your identity you go through the hard work that takes about 15 minutes to freeze your credit. and then even with all this information the criminals will not be able to open accounts as you. then the second thing the criminals have enough information here, gerri, that they can

potentially take over your bank accounts or brokerage accounts. so setting up, with your bank or brokerage account, two-factor authentication. it's a process even being able to answer challenge questions, they won't be able to get into your account without a whole separate procedure they won't know. it's something i strongly encourage people to do to truly protect the money you already have. gerri: i think those are great ideas, clark. i have to say anthem is saying this is a super sophisticated hack. i don't think so. this information was not encrypted. i mean, this is -- it was a weak log-in security that is a problem these companies need to do a better job protecting our private information. do you agree? >> yeah. you know, the thing is, companies have their core things they're about. and they always look at data security as a cost center, as something that subtracts from profit. nobody is worrying about the long-term

implications and the costs now for anthem. all they were worried about was hitting quarterly numbers. it needs to be something that the ceos of these big companies understand that they have to devote the resources for to protect the company and to protect you and me. gerri: clark howard, great advice. thank you. >> thank you. gerri: well, tv tonight at fbn on cavuto. neil cavuto will have an exclusive interview with 1998 democrat nominee michael. how democrats are looking for a liberal alternative to hillary clinton. catch "strange inheritance" with jamie colby starting at 9:00 p.m. here's a preview of tonight's episode. it's about a family whose inheritance comes in the form of creepy crawlers. one of the rarest collection of bugs from around the world. >> somebody tells you you're sitting on how much in terms of value of this collection of

insects? >> there are some insects that have never been seen since. there are some insects that are thought to be extinct, but not confirmed. it's around five or $6 million. jamie: for bugs? >> for this collection. gerri: you can catch "strange inheritance" at 9:00 and 9:30 p.m. on fox business. how do you withdraw your funds without valuable tax benefits. it happens early in the morning and late at night, those annoying robo-calls. robo-callers could be coming after your cell phone too. details coming up after the break. ♪

♪ gerri: well, if you think your cell phone is safe from

robo-callers, think again. big banks are pushing government regulators to allow them to send out text messages to your cell phone. we have the details with john. credit expert for creditsesame.com. welcome to the show. haven't these people heard, there's this thing called the postal service. why don't they send us a letter? >> they understand that people are migrating away from land line telephone numbers and more so to the wireless phones. how is the best way to collect an unpaid debt from a consumer, actually get them on the phone and have a conversation with them. they'll do a better job of getting unpaid money from you if they can get you on the phone, rather than send you a letter. that is the catalyst behind this mess. gerri: not just debt collectors. but bank of america. all the big banks are signed on to this.

they know we're ditching our land lines and they can't get a hold of us. we talked about other ways to get a hold of us. obviously, send us a letter. will this get traction with the fcc? >> i don't know. this is definitely a lightning rod topic. there are too many federal statutes that we haven't talked about. like the fair debt practices act that kind of defines how you can contact debtors that are past due. there are things you need to be careful about. a, you don't know if it's the same person that owns the number that's actually answering, or, b if it's been reassigned to another consumer. the minute you talk about financial information, you break pretty significant rules. gerri: hard to do. 322 million on the do-not call list. go to do not call.gov. it doesn't always work, i have to tell you. (?) another topic i want to

talk to you about tonight, you can get your credit score for free these days, what's going on out there? >> the momentum is behind the free score credit movements. ten years ago, they were products sold to consumers. and today, unless you're completely blind and ignoring what's happening, you can get a credit score free from a variety of different sources, which is fantastic because i think more exposure to free credit-related products and services, the better we are as a consuming public understand how these things work and why it's important to stay on top of them. >> a lot of the big banks involved offering the free credit score. ally. on and on. this is critical. this determines how much you will pay for your house. what kind of terms you will get on any kind of loan. this is kind of the big kahuna of consumer information. to think companies could hold this back, you know from us who are essential to their business model is

confounding. but that's all over. so that's the good news. what's your first piece of advice for people looking at that number for the first time. how do they analyze it? >> number one, if you're getting this information, be aware that this number has incredible influence over your financial life. gerri: yeah. >> this is your financial cholesterol life, if you will. it's as important in the financial world as your cholesterol is in the health world. this number should be above 750 which puts you in the golden borrower type of category. if it's below the 500s, you have big problems. you will know at the very least what kind of credit risk you pose to companies who all use this number to make decisions about you. gerri: thank you. tonight, we have vital tax tips for the millions of americans with 529 college savings plans. there are times you shouldn't use these savings because you could be missing out on thousands of dollars in

tax benefits. so how do you juggle those 529s? we're asking wealth manager, rich. rich welcome back to the show. we talk a lot about 529 plans because the president tried to shoot them in the foot and remove their tax advantages. you say even if you're using that 529, you have to be careful because you'll lose tax benefits. what's the calculation you're making? diswrrks >> the expenses that are paid out of the 529 plan don't qualify on the tax return if you're trying to qualify for the american opportunity tax credit or the lifetime earning credit. for those folks who could benefit from the credit on the tax return, take that credit. that's dollar for dollar offsetting your taxes due. what you want to do, to the extent you qualify make sure that you at least pay for those expenses out of your own cash flow and therefore can get the credit rather than taking that expense out of the 529. gerri: it's all about managing the money in the kids name, the money you have in your name.

tell me about all the credits you mentioned. whywhich is the most valuable to the most people? >> the american opportunity tax credit. it's a 2500 maximum credit. versus lifelong learning. the american opportunity tax credit is per child. so it's a credit -- maximum credit of 2500, multiple times. depending upon how many people you have in school. and the american opportunity tax credit is actually refundable credit, up to $1,000. so that's something you can't get with the lifetime learning credit. file your tax return, even if you don't owe anything and you qualify for the credit, you get $1,000 back. it's important. many people think well, i don't have any income tax. why file? file to get the refund. gerri: we know that's a big middle class benefit. lots of people putting aside money every month. what's the best way to use that and manage that? >> i love the 529 plan. i think it's a great

plan. for people making more than 160 and $180,000 in adjusted gross income, you won't qualify anyway. you can maximize the spending. up to five years of gifting. that's up to five times 14,000. gerri: grandma and grandpa can get involved. >> 14,000 is your annual exclusion. front load it by five years. it's 70,000. husband, wife times would it, 140,000. bigbig numbers. president obama talked about lowering the benefits of that because it's beneficial to the folks of the higher wage earners. gerri: right. but it's a win for everybody. >> right. anyone who can put money away and grow tax-free if you use it for college is win-win. the problem is these fine line issues are very difficult. this is tax planning. you have to run the numbers.

the problem is, some of these aren't extended until too late in the game. after you've made your college payments throughout the year and it might be too late. so the safety is, if you think you will qualify pay 4,000 of your expenses out of your cash flow. you have the possibility of getting the tax credit. gerri: all right. great advice. rich, thank you for coming on. >> thanks. gerri: with the sacrifices parents are making to send their children to college it's good to know if you're getting your money's worth. class 120. it alerts parents when students skip a class. the student enters his or her class information in the calendar. if the student doesn't show up at the location where the class is being held, a message is sent to the parent letting them know. school administrators can also be notified. as for privacy concerns, well, i'll take them seriously when little johnny is paying full tuition. in the meantime, word of warning, the app is not cheap. the service will cost mom and dad between

200 bucks and $215 a year. still to come, a new study finds, it's not just people riding the new york subways. you can be riding with germs that cause the bubonic plague. the lead researcher explains the findings coming up. yuck! ♪

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♪ gerri: well, break out the hand sanitizer if you have a squeamish stomach, turn down the sound for a moment or two. new study being released. it's showing the results of an 18-month long swab test of the new york city subway system. let me tell you, the results are scary. here to break it down.

researcher and assistant professor at the wile cornell college, dr. christopher mason. welcome to this show. we were talking in the break about the appalling things you found. tell us about your methodology. why did you start looking at this? >> it started as pure curiosity to build what we say a molecular map of all of the new york city to track all the microbes around us. >> you had your daughter out. taking her to day care. and you found yourself worried. >> my daughter put a toy in her mouth. i thought, there must be transmission. we never had a dna-based tracking of it. let alone in a city or day care. gerri: if you spent time on a subway, you're worried about what's on it. you spent 18 months studying it. you found 15,000 different forms of life forms. some of it good and some bad. >> the vast majority is

good. i want to tell everyone, it's all fine. don't worry. still wash your hands. gerri: wear gloves. >> no reason to wear gloves or plastic or be afraid of the surfaces there. they're a mirror of the microbes we have on our skin. about 48% of them are still unknown. a lot of the fragments of dna don't match any known micro organism. >> you have your beetles and flies. your cucumbers and humans. you mean like the vegetable? >> like what people eat in salads. it's a molecular echo. the lifestyles of new yorkers, you can see. the food they eat. we can see it change by the neighborhood. even the dna left behind matches the us census data. >> let's get to the appalling stuff. the most common bacteria from the swab test

antibiotic resistant bacteria. right? >> yep. sounds -- gerri: how many stations did you do total? >> 460 ate468 stations. we saw 400 samples. we saw the types of bacteria are perfectly benign. gerri: you keep saying. there's food poisoning urinary tract infections. mozzarella cheese. and staff infections in 37. mozzarella cheese, is that the pizza thing? >> yeah, that's the pizza. (?) >> one of the sued monis trains. a lot of things there. (?) a lot of these things can be associated with disease. they're normally present. only when they get something bad can they get you sick. gerri: thank you for coming on. i wish you had better news. we'll be right back.

when the moment's spontaneous, why pause to take a pill? or stop to find a bathroom?

cialis for daily use is approved to treat both erectile dysfunction and the urinary symptoms of bph, like needing to go frequently, day or night. 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 symptoms of an allergic reaction stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial.

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speak to a new report says we are becoming a nation of renters. do your own your home or do you rent? here is what some of you were tweeting me. my wife and i are paying far home or on track to pay off her retirement. and rick says i don't want to go through today's mortgage application. and buster posting on my facebook page oh free and clear, thank god. and joe writes to us i will sell them go on rv'ing after we sell. in addition to following the on twitter and facebook, like fox business on facebook. we asked this question on gerriwillis.com, 90% say that they own their own home and 10% say that they rent. be sure to log onto gerriwillis.com for online question every weekday. that is that it for tonight "willis report." thank you for joining us and don't forget to do ebr the show.

"making money" with charles payne is coming up next. have a great night. ♪ ♪ ♪♪ charles: you are watching "making money." the anti-chromatic feeling that always seems to set in but this time opec taking an early victory. does this mean that oil is bottom? and the greeks playing the nazi card. first, let's go to nicole petallides on the floor of the new york stock exchange. reporter: no doubt come in a bit of a tough start. the dow jones down about 95 points. and we saw most of the names on the dow jones concerns about greece and