companies or affect the whole market? >> whole market clearly. if she mentions anything that has not been mentioned or has not been clarified about the interest rate literally that will affect things. david: jason, thank you very much. liz: gerri is next. >> hello, everybody, i'm gerri willis. this is "the willis report" the show where consumers are our business. explosive report on "60 minutes" about the safety of wood flooring sold by lumber liquidators. >> you want the company to remove all the flooring? >> every single board at their cost and replace it with clean flooring. gerri: what consumers need to know after the company is accused putting cheap chinese flooring with dangerous chemicals in american homes. new warning on interest rates from legendary investor bill gross. he is my special guest. we'll talk about his take on the economy and what investors need to know when the fed will start raising rates. the backlash against common core, new government standards

hitting schools this week. students parents, politicians are in full revolt. >> the federal government has no right imposing curriculum imposing content standards in local classrooms when these decisions always been made by local parents, by teachers by local leaders. >> also our special series this week, user's guide paying for college. important information for parents and students about one of the biggest financial commitments of their lives. >> thing you have to focus on is total cost of attendance. that is the actual sticker cost. gerri: everyone wants bills to get electronically. consumer expert clark howard is here to say why we should stick with paper. on "the willis report," where consumers are our business. gerri: is there danger hidden underneath your feet? a "60 minutes" investigation raising questions about the safety of laminate flooring sold

by lumber liquidators. the cbs program reporting that hundreds of thousands of homes across the u.s. may have chinese made flooring with high formaldehyde levels. lumber liquidators denies the report and stands by every plank. we have the denny larson he was in that "60 minutes" piece last night. tom critler, host of money pit, dr. mitch gain nor, cornell medical center and author of a book gene therapy plan. talk about the chinese product, the laminate flooring sold by lumber liquidators. what is the problem with it? >> just as reported last night the problem there appears to be a lot of formaldehyde in the glue that puts the laminate together. if you don't know laminate is really like a sandwich. they take sawdust. they add glue and paste picture of plastic on top of it. inside the core of that board is a lot of formaldehyde based on

80 independent tests we conducted. we tried, we tried to find a box that passed and we couldn't find one. gerri: couldn't find one. i want to play a little sound from that report. listen to this. >> this is -- >> lumber liquidators? >> yes. >> part two? >> part two it is compliant with california law. listen to what the general manager told us? >> no, no. >> so -- >> have to be honest. >> is this carb 2? [inaudible] gerri: so apparently the folks at the chinese production facility telling two stories. one to the "60 minutes" folks and another to everybody else about whether there is formaldehyde in this. tom, to you, you're a building expert. tell me how common is it to have

formaldehyde in building products? >> it is extremely common. formaldehyde exists in thousands of materials in our homes and materials that we interact with, everything from our clothing to our kitchen cabinets to carpet and furniture has formaldehyde as part of the manufacturing process. gerri: dr. mitch, i have to tell you, these levels are six to seven times above what california considers safe. what is the health risk here? >> the health risk of formaldehyde, especially in chemically sensitive people are watery eyes, sore throat it could exacerbate asthma, it is classified as carcinogen. it can cause cancer at prolonger high levels so it is concerning. >> so would living with this flooring constitute prolonged exposure? >> it depends. i think if people get the facts, it is important to you can mesh surety formaldehyde level in your house with a number of different types of kits. so before i would panic i would want to know what the

formaldehyde levels were. if they're high you can remediate it by increasing ventilation, getting an air filter, things like that. gerri: i want to read a response from lumber liquidators, the company selling these products. here is what they say. we believe "60 minutes" used an improper test method that is not included in the cache regulations and carb. our laminate floors are completely safe to be used as intended. denny, how do you respond to that? >> well that is just not accurate. you know we are very aware that lumber liquidators and composite flooring manufacturers long not liked the california regulation that underpin this is testing method. they commented as such during the comment period. they lost that battle. peer reviewed studies threw that idea out window. the testing method we use and follow, the carb method not something we thought up. go to the carb website.

read it. it is there. gerri: i understand this particular level set by california is going to go national soon. so it is not just california. >> yeah. no, this is really big part of it. it is important part of it, because we're suing under special california provisions under proposition 656789 the consumer outside of california doesn't have that protection. you can imagine, congress actually passed legislation to put the california standard national. that is how much consensus there is on this. we hope epa moves. it has been sitting there there three years. gerri: i want to stalk to tom. this reminds me another scenario. reminds me a lot about chinese drywall in 2:00. i went to homes in florida that had drywall made in china. it was substandard. it was no joke. this stuff, corroded copper throughout the home. >> air-conditioning systems jewelry, electronics. gerri: you name it.

is this another example of this? >> look, there are many manufacturers manufacture overseas. you need to do strong oversight. i think what lumber liquidators said they will look into the oversight to make sure it needs to be but they reported to me this only impacted 15% of the flooring they sold. gerri: this is a small but important part of what they sell. doc to you there are tests you can do in your own home. will that really tell what you you need to know? >> it will actually. you can measure what are called vocs or volatile organic chemicals. formaldehyde is one of them. if you need to you can test your flooring. it may be coming from somewhere else like carpet or new couch. >> yeah, that is a good point. because you have just hang one of those formaldehyde passes tells you formaldehyde it is noted in all kinds of products. really only way to do it look at official carb test measures lifetime of exposure, not when you hang the badge and follow

the law. gerri: i don't know the average person in new jersey can get a carb test, can they? >> it is a thousand bucks. gerri: that is a lot of money. >> the other test is 100 bucks f you want a baseline screening. >> that could be a false-negative. gerri: may not give you enough information. my big question, doc, to you, you know, look what if i have an 8-month-old at home, a baby, small child an elderly parent living with me, are they more at risk than say i am? >> the elderly parent, probably not but the eight-month-old definitely. children are less able to detoxify and carcinogens are more concentrated because of their low body weight. that is more personning -- concerning of course. gerri: i will wrap it here. this is fascinating story. i'm sure we'll be back to this, talk more about the issue. denny thanks for coming on. tom, good to see you. dr. doctor, thanks for coming in

here. thanks a lot. more to come this hour, the latest fight to end common core education. wait until you hear this. next, day one of the user's guide to paying for college. with advice on deciphering lengthy and confusing acceptance letters and financial aid offers. tweet me @gerriwillisfbn. or through the website gerriwillis.com. we'll be right back.

[ female announcer ] who are we? we are the thinkers. the job jugglers. the up all-nighters. and the ones who turn ideas into action. we've made our passions our life's work. we strive for the moments where we can say, "i did it!" ♪ ♪ we are entrepreneurs who started it all... with a signature.

legalzoom has helped start over 1 million businesses, turning dreamers into business owners. and we're here to help start yours. you can't predict the market. but at t. rowe price we've helped guide our clients through good times and bad. our experienced investment professionals are one reason over 85% of our mutual funds beat their 10-year lipper averages. so in a variety of markets we can help you feel confident. request a prospectus or summary prospectus with investment information

risks, fees and expenses to read and consider carefully before investing. call us or your advisor. t. rowe price. invest with confidence. ♪ gerri: over the next six weeks millions of high school seniors will get word whether they got into the college of their dreams. mom and dad will be watching out for that financial aid offer comes shortly thereafter. with the price of college rising faster than inflation, anxiety levels are running high. but all this week we're bringing you a special user's guide to paying for college. from advise on negotiating more financial aid, to advice from real people in the process right now. here to kick things off tonight

is the senior vice president of the princeton review and publisher of the book paying for college without going broke. this is a book with a whole section dedicated to decoding those award offers. rob welcome to the show. >> good to be here. >> we've been looking at acceptance letters, aid offers all week long. >> listen to the acceptance letters. gerri: you're in says rutgers. congratulations, university of pittsburgh, i'm pleased to inform you are in admission. you pick up financial aid offer is lot less fun and it is confusing. why? >> the lingo is confusing. some call them scholarships. some call them grants. there are lots of acronyms. they're confusing and process already a little scary to students and parents could be confusing with the language. gerri: i have read some of these. i will show people what we're talking about here. >> excellent. gerri: so here's a financial aid offer from monmouth, new jersey.

they're offering something called alternate financing. >> ah-ha. gerri: they say they give you, sounds like they will give you $8800 but in reality it is a loan. >> totally, totally. it could be confusing for some schools. some schools are clear. others are not. you have to focus on total cost of attendance. the actual sticker cost, room and board, fees. gerri: we'll get there my friend. i have another one to show. here is something called wildcat excellence t-1. >> ah. gerri: you're wondering what the heck is that? it's a scholarship, that is good news. for $1,000 even better news at university of arizona. guess what one-year deal. >> right. gerri: doesn't renew. a lot of people look i'm getting this every year. does that happen? >> not every year. tough be clear. tough ask for clarification. some schools are giving clarity at beginning. other schools might not give that clarity. so be unashamed to be able to reach back out to the financial aid office and administration office to ask for clarifications

on each of those. gerri: i think that is great advice. talk about you started this before. which of these financial aid letters, what am i looking for? >> first thing is total cost of attendance. room and board, fees, books obviously tuition. everything that you could expect to pay for. gerri: all right. so i have an example here. >> yes. gerri: we're going to blow the budget. monmouth, new jersey. that university says in their letter, $31,878. except for the fact that they didn't include $900 worth of books, or $2500 for travel. >> right. gerri: they are light. real tab would be something like $35,000. that is not a happy thought for mom and dad, right? >> particularly going in with blinders on not thinking that is the real sticker price you will pay. gerri: mentioned cost of attendance, grants scholarships. >> right. gerri: there are loans. >> right. gerri: work study and expected family contribution. this is the key, right? >> it is the key. you have to think about the scholarship and grants you will get.

that is the free money. the best money. expected family contribution, an acronym will say efc. that is important number to focus on, that is what you are expected to pay at that college. gerri: terms it of money, getting free money, how much can i expect to get? >> depends on the school honestly. there is difference in sticker price. then, it is difference how much the school actually wants you as an applicant. that is where other scholarships come in, based on academic merit. gerri: people are surprised how much people typically get. they think they will pay full freight themselves. >> that is not true. a third of students pay full fair. a third will pay some financial aid. there are $150 billion worth of aid. there is a lot of money. you have to get that money working being savvy on process. >> did a great job on this one of the biggest confusions people reading reading this documentation, what is night merit-based money,

academic prowess, s.a.t., act and need-based on fafsa form. gerri: gapping. tell me about that. >> difference between efc expected family contribution and what the school can give you to try to fill in the gap is the challenge for many. some schools can meet it 100%. as we talked about colleges that pay you back, some come in 80%. 60%, 50%. that is the difference. gerri: often not clear from the documentation. if you have a gap or fill that gap exactly what the gap is. >> how you can fill it. convenient to fill it with a loan but that might not be the best thing for students and families. without blinders into the loan process to take it. gerri: just underline, front-load something issue for incoming freshmen. >> it is an issue. you have to be savvy about that process. ask for the clarification we talked about. is the scholarship guaranteed for four years. what are the prerequisites. gerri: i hear you. maintain a gpa. goodness knows. might have to live on campus. >> you may. gerri: rob, thank you for coming

on. helping us out. you're with us all week. very excited. >> i am too. gerri: good to see you. thank you. coming up tomorrow our user's guide to paying for college continues with how to negotiate that as your offer can get more money if you ask. financial aid officers don't like to admit but very boosten you can. we want to hear from you. if you have questions for yourself or soon to be freshman in your life, on facebook or twitter. email us at gerriwillis.com. on friday we'll have a roundtable of experts to answer all of those questions. programing note for you. it is two more all new episodes of "strange inheritance unpacked" tonight. the first episode at 9:00 eastern time about a family who inherit as landmark on the highway to las vegas, decrepit is 34-foot thermometer -- 134. next to deprep it restaurant. can they restore both to their glory. >> world's tallest thermometer. >> if you ask my mom she would

think he is little craze at this to spend $750000 to build a thermometer. gerri: at 9:30 a woman inherits her dad's huge collection of civil war artifacts, bullet riddled tree stump from one of the war's bloodiest battlefields. "strange inheritance" airs monday 9:00 p.m. on the fox business network. watch it. later in the show i go one-on-one with one of the biggest names in investing, bond king, bill gross. next opt out movement is sweeping the nation as parents protest common core by having their children opt out of standardized tests. we'll explain that coming up after the break. ♪

the real question that needs to be asked is "what is it that we can do that is impactful?" what the cloud enables is computing to empower cancer researchers. it used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. whatever i can do to help compute a cure for cancer, that's what i'd like to do. every truck can tow a boat. every truck can climb a hill. every truck can haul a trailer. but not everyone can say they're the fastest-growing truck brand in america.

guts. glory. ram. he's out there. there's a guy out there whose making a name for himself in a sport where your name and maybe a number are what define you.

somewhere in that pack is a driver that can intimidate the intimidator. a guy that can take the king 7 and make it 8. heck. maybe even 9. make no mistake about it. they're out there. i guarantee it. welcome to the nascar xfinity series.

gerri: well it is test time for the federally mandated common core program in schools across the country. protests well they're deafening from parents, teachers and students. in albuquerque, hundreds of students walked out, defying administrators who said they wouldn't graduate. why are people so angry and consequences of not taking common core tests? we have the founder and executive director of turning point usa is here to break it down. charlie, great to see you. why so many protests in your view? >> you know i've gotten a chance to travel the country to meet with parents and students and teachers and there is unbelievable widespread rejection and also skepticism about this increasing common core standards being implemented in local education. i truly believe that the parents are concerned and rightfully so because they feel that their children and students in their local community are being gathered and being dictated by ever increasing growing federal bureaucracy system if you see

some problems and see some tests they're being forced to do and changes in curriculum and new textbooks. this is concerning. honest let's boil it down. parents should be in charge of curriculum, not unelected bureaucrat. gerri: people are firing from every corner. parents hate it. students hate it. i want to show you attack ad from teachers. take a look at this. >> my first-grader came home the other day and cried because he couldn't, he didn't feel like going to karate practice. after he done his work mom i'm just tired. started to cry, in first grade. what are we doing? what are we doing to our kids? gerri: i got to tell you, i hear this from parents too. what do you make of the fact that you have so many disparate groups complaining? >> i think it is really interesting. one of the few things you get teachers, administrators, parents students agree on. rejection of this increasing federal bureaucracy and control over local and state schools.

increasing tests and rigorous standards that come with them. really interesting thing, it doesn't actually raise the education, nor does it, are more people learning anything. we're trying to have a one size fits all education system. you and i know and viewers probably agree, education has to be specific to the child. that is why parents have to be heavily involved and increasing department of education with common core standards is creating separation between parents and students and putting a federal bureaucracy in between them. that is why there is this rejection. gerri: uncle sam getting in the middle. >> absolutely. gerri: i will read a tweet a parent wrote about a common core curriculum. i have a bachelor of science in electronic engineering which included extensive study in differential equations. nor can i explain the common core answer approach and get the answer correct. the parents can't figure it out. the way they teach this math is confounding. >> yeah. i can consider myself somewhat

after smart person. i look at problems. i have no idea what they're talking about. like trying to solve a rubic's cube blind foiledded. i think to be honest it is made intentionally confusing because they want a lower type standard, not standard but a lower performance for certain students only put them through the system time and time again. i don't understand the thought process behind it. however i will say parents and teachers, they don't even know what they're teaching. how can we put curriculum or standards in front of them and they don't completely understand it. i agree with that tweet. i hear that all across the country. what are we putting into schools. doesn't make any sense. gerri: before you two, i want to ask you this, a lot of students say i'm not taking tests today. mom and dad are standing behind them or opting out on their own. what will happen to them? >> sure. if a school has 5% of students opt out there could be ramifications of ties to funding n new york, 67 more or less

students statewide decided opt out of english standards testing out of 1.1 million test takers. some superintendents, there was principal in new jersey says this will be treated with any other disciplinary measure. they were very hard. most principals are looking other way. that's fine. you don't have to take the test. gerri: wow. >> i think grassroots resistance is real. principals and teachers and students need to continue to make their voice heard against the ever growing bureaucracy in education. gerri: we'll have to keep watching. republican candidate, jeb bush is a big proponent. we'll see how that works out. thank you for coming on tonight. >> you bet. thank you so much. gerri: coming up, do you get your bills and statements by mail or electronically? there is a good reason to stick with paper. we will explain. next, one of the biggest names in investing, bill gross joins me. the bond king is here. he has a new warning over the fed's ultralow interest rates. don't go away. at ally bank no branches equals great rates. it's a fact.

kind of like mute buttons equal danger. ...that sound good? not being on this phone call sounds good. it's not muted. was that you jason? it was geoffrey! it was jason. it could've been brenda. in new york state, we're reinventing how we do business so businesses can reinvent the world. from pharmaceuticals to 3d prototyping, biotech to clean energy. whether your business is moving, expanding or just getting started... only new york offers you zero taxes for 10 years with startup ny business incubators that partner companies with universities, and venture capital funding for high growth industries. see how new york can grow your business and create jobs. visit ny.gov/business ♪ at mfs, we believe in the power of active management. every day, our teams collaborate around the world to actively uncover, discuss and debate investment opportunities. which leads to better decisions for our clients. it's a uniquely collaborative approach

you won't find anywhere else. put our global active management expertise to work for you. mfs. there is no expertise without collaboration. 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. ♪ help an oil company overcome minus

47 degree temps, 5 foot ice, and 16 foot waves, to safely keep crude oil flowing 365 days a year. when emerson takes up the challenge it's never been done before simply becomes consider it solved. emerson. at ally bank no branches equals great rates. it's a fact. kind of like shopping hungry equals overshopping.

>> gerri: welcome back to "the willis report". it is time to look at other stories. israel's leaders insist the alliance between his country and the united states is stronger than ever speaking at a pro israel lobby had a session of congress. of history of mergers and positive economic news funding above the 5,000 mark for the first time in 15 years. but the result of falling gas prices last month for the debt. texas south presbyterian hospital was not prepared to handle the ebola cases. the world's richest man says bill gates net worth topped

$79 billion from 56 billion last year those are some of the stories in the news tonight. a new warning for investors from one of the legends in the business. in the latest market outlook central banks have gone too far by keeping interest rates too low for too long. with the race to the bottom could seriously harm pension fund and insurance companies. bill gross is with me now. welcome to the show. let's talk about the warning you're giving to investors. central banks continue to go too far to support future economic growth. tell us about that and why does this hinder what the economy could be doing?

>> let's talk about this several positives they lift stock prices and bond prices and capital gains accrued to set up the benefit but the negatives are not will recognize. one of them being that pension-fund with insurance companies with long-term liabilities and retirement and death benefits require a long period of time and the high interest-rate. so when interest rates go negative and in some cases 75 basis points there under the burden of low interest rates. gerri: i also think retirees

those who went to get earnings on their savings are getting killed with a low interest-rate environment. what you say to them? >> another good example where a certain expectations with retirement and health expenses going forward and for much of those years they have required the interest rates of 5% to pay for the liabilities but now with interest rates close at zero to be disenfranchised of the ability to make a return on monday it is problem for households as well but individuals and families and households that require a positive return on savings

in order to pay for what they hope to achieve in the future. gerri: we hear from them all the time. if the economy endorsed another shock what can the fed to vent -- do then? >> maybe in june or september we will try to raise interest rates. as they point out 2008 and 2009 to lower interest rates dramatically to your 0 percent will help to salvage the economy for the next five or six years. as we get into a slow growth or recession and their needs to be the ability of the central bank of the federal reserve to lower interest rates to stimulate the economy again like they did after the great recession.

gerri: how fast will this come and what would you prefer to see them do? >> i think they know that not much is certain or what the neutral interest-rate is going forward. i think we will see an interest rate increase by june but for the next three years talking about 2018 short-term rates will only rise to present which is the four or 5%. so they will see the period of higher interest rates that is much lower than historical norms. gerri: and rival business network they said 6 percent

is the good thing. do you agree? >> it isn't what it was. but what has been the advanced by the imf in the cbo and the united states with the structural growth rate which is a lower level of productivity but it is in 3-1/2% which the economy has bed use tarot and beginning in the early in 1980 is. so that type of number or a growth rate is what we can expect gore and forward then prices will be lower in those bond returns will be lower as well. with a 2% growth rate. gerri: wouldn't you rather

see something higher? with the economy grows for some time? don't we need a faster growing economy to really put people to work? >> we know much about the labor force david rigo there are lot of people that have gotten out of the labor force so people would be willing to come back if we had a higher growth rate. but that depends on productivity for what we have seen over the past five years is the lifting of investment prices but we haven't seen the uplift of capital spending. that 3 percent growth rate is as historical and i deal with a much higher level of

investment as opposed to the financial economy. gerri: hurry to guided into snow today. >> is breaking but it isn't snowing. but i feel for you on the east coast's big mac that sounds like heaven. good to talk to you. thank you for your time. companies what you to get your bills electronically but paperless is actually a bad idea but taxpayers do not see a dime now there is a plan to change that to get the rail company to act more like a business. but here is your consumer gauge first. we will be right back. ♪

brad. and then you totaled him. you two had been through everything together. two boyfriends. three jobs. you're like "nothing can replace brad!" then liberty mutual calls. and you break into your happy dance. if you sign up for better car replacement, we'll pay for a car that's a model year newer with 15,000 fewer miles than your old one. see car insurance in a whole new light. liberty mutual insurance. the real question that needs to be asked is "what is it that we can do that is impactful?" what the cloud enables is computing to empower cancer researchers. it used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. whatever i can do to help compute a cure for cancer, that's what i'd like to do.

[announcer:] what if one stalk of broccoli could protect you from cancer? what if one push up could prevent heart disease? [man grunts] one wishful thinking, right? but there is one step you can take to help prevent another serious disease- pneumococcal pneumonia. one dose of the prevnar 13® vaccine can help protect you ... from pneumococcal pneumonia, an illness that can cause coughing, chest pain difficulty breathing and may even put you in the hospital. prevnar 13 ® is used in adults 50 and older to help prevent infections

from 13 strains of the bacteria that cause pneumococcal pneumonia. you should not receive prevnar 13 ® if you've had a severe allergic reaction to the vaccine or its ingredients if you have a weakened immune system, you may have a lower response to the vaccine. common side effects were pain, redness, or swelling at the injection site. limited arm movement, fatigue, head ache muscle or joint pain less appetite, chills, or rash. even if you've already been vaccinated with another pneumonia vaccine, prevnar 13® may help provide additional protection. get this one done. ask your healthcare professional about prevnar 13® today.

gerri: amtrak going off the rails to take taxpayers' money with it. the house will take a bill to authorize funds for the national rail service but a promise is to make amtrak operates like a true business. we have details with richardson. >> after creating amtrak congress has been overhauling over decades. supporters the 19th century technology for 21st century challenge but the partnerships say the writer ship grows with 30 million passengers last year loaded with adjustments it could reduce cost federal government spends 1.$5 billion annually on amtrak including the a hundred million over a decade on food service by selling hamburgers at about

a $6 loss per piece with and also a popular routes so with that they're requiring food service and also the most popular line to keep in reinvest profits last year made $480 million in with a supporter says his forces the real service to possibly closing the unprofitable routes like a business would. >> we don't just want to stop people getting on not having the writer shipped what can we do to improve that? but over the next several years if you have paid money loser or people are not using the cerebus then we should cut it out the spirit the house is scheduled to consider the bill tomorrow the legislation allows the

that's to come on the trade for the fee. gerri: everything you do with a business pitches to paperless as the attacks become more sophisticated he is urging people not to take electronic statements. come on. >> i don't care if you get your cable bill electronically but i don't want you to get your brokerage george will find or retirement plan or a big statement only electronically because if you look at the penetrations that keep popping up there getting deep into the banking system. imagine if somebody who means ill to us as a country wipes out records that the

brokerage has how can you prove what you had? even though they encourage you and push to to go electronic statement only but you should draw the line when it comes to your money that you worked hard for the you have saved a and invested go back to paper statements if we had a serious data breach you want to say i know this is old school but here is my statement. >> this is my big fear is that what you have played at night when he think of all the things that could go wrong? that somehow you don't exist anymore. but disney ticket prices are through the roof. $100? what you going to do to save

me money? >> $105 for the magic kingdom. but the ticket to emissions is only a part of the cost. the big money is planning were used a particularly for those who go to universal or disney, there are 71 or two-bedroom for studio apartments available if you stay with those accommodations you can reduce so much cost. also your meals take food with you or take bottled water with you go to wal-mart first instead of paying $4 and the park if you buy it may be $0.15 if you do simple things around the edges it is amazing how much you could attack the total cost of the trip.

gerri: earlier talking about lumber liquidators and the "60 minutes" piece that said they have formaldehyde in the flooring. you were getting a lot of phone calls. >> a lot of panic calls i have said take a chill pill if there was it has been there for a while we don't know yet how accurate this story is or how dangerous this will be to you and your family and once that comes out there will be a procedure for you to replace your floors. don't panic even the with sounds scary coming take it easy or you will representative but your wallet ripping up the floor before it is time. gerri: or if you're putting it into night or to bornite

lettuces sit in your trijet couple of days to air it out that is one of the housing experts told us to gas off in your basement or figure arrived -- provides. gerri: how do prefer to get your bill? to the mailbox or the in box? i will show the -- hear the results at the end of the show. what are the best to cars to buy under $15,000? we have the answers. ♪ the future of the market is never clear. but at t. rowe price

we can help guide your retirement savings. our experience is one reason 100% of our retirement funds beat their 10-year lipper averages. so wherever your long-term goals take you we can help you feel confident. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. call us or your advisor. t. rowe price. invest with confidence. many people clean their dentures with toothpaste or plain water. and even though their dentures look clean, in reality they're not. if a denture were to be put under a microscope we can see all the bacteria that still exists on the denture and that bacteria multiplies very rapidly. that's why dentists recommend cleaning with polident everyday. polident's unique micro clean formula works in just 3 minutes, killing 99.99% of odor causing bacteria. for a cleaner, fresher brighter denture every day. you total your brand new car. nobody's hurt,but there will still be pain. it comes when your insurance company

says they'll only pay three-quarters of what it takes to replace it. what are you supposed to do, drive three-quarters of a car? now if you had a liberty mutual new car replacement, you'd get your whole car back. i guess they don't want you driving around on three wheels. smart. new car replacement is just one of the features that come standard with a base liberty mutual policy. and for drivers with accident forgivness,rates won't go up due to your first accident. learn more by calling switch to liberty mutual and you can save up to $423. for a free quote today,call liberty mutual insurance at see car insurance in a whole new light. liberty mutual insurance.

gerri: if you were looking for a smart set of wheels that won't break the bank we have a list for you. joining me now takes for coming on the show as a car under 15,000? >> yes. have a quick list of five started with the cheapest option is that is a great thing to do but the neece on versa brand-new under 12,000 but what is interesting is it comes with a car that is surprisingly huge if you are in the back seat it has laid room with 40 miles per gallon than saving cash at the gas, is another way to watch your budget.

gerri: the tab is enormous what about the ford fiesta? >> absolutely. it is a good option because it is the car you can show up to college and not feel terrible about yourself. end with voice activation that is peace of mind for parents sending their kids off to the world. >> chevy spark? >> is the cool car of very cheap option just over $20,000 it is very small because you are the college-bound student would be in the urban setting it would easily fit for adults it is just a cool car very cheap and pragmatic. gerri: deal like to rio? >> i do.

having a few great things going for it a 10 year $100,000 powertrain for peace of mind you cannot be to that. gerri: is that unusual? >> it is that's the best warrantee will find in the business so that is great peace of mind also 138-horsepower is not too bad. gerri: what about toyota yaris? ltd. is the most pragmatic for your college-bound students because it has great retail value is a toyota ashtray also not expensive with cost is some need to technology with the

6.1 inch entertainment system comes standard across the board per you don't pay extra for that and also ninth air bags standard. gerri: but this was all before tax and title prices correct? >> you need to budget and extra seven or $800 for destination charges but even that you could get a great car. without breaking the bank. gerri: we will be right back. inventing how we do business so businesses can reinvent the world. from pharmaceuticals to 3d prototyping, biotech to clean energy. whether your business is moving, expanding or just getting started... only new york offers you zero taxes for 10 years with startup ny business incubators that partner companies with universities, and venture capital funding for high growth industries. see how new york can grow your business and create jobs. visit ny.gov/business

♪ ♪ ♪ tigers, both of you. tigers? don't be modest. i see how you've been investing. setting long term goals. diversifying. dip! you got our attention. we did? of course. you're type e* well, i have been researching retirement strategies. well that's what type e*s do. welcome home. taking control of your retirement? e*trade gives you the tools and resources to get it right. are you type e*?

>> we spoke with clark howard to pay your bills online or on paper which you prefer? we ask the question. 77 percent said mailbox 23 percent said on-line. coming up tomorrow the user's guide to pay for college continues as we show

you how to negotiate your offer. financial aid officers but don't like to read it but very often you can. making money is next. have a great night. charles: i am charles payne the market's quickly gave way to new highs. certainly beneath the surface there are things to be excited about. technology the sales representative 17% and then to make credibility with the street. stocks are in play it said 15 years to get here is