being affected by that fire such as the size of that fire. so it is affecting a broad swath of new york right now. >> well you have con ed on the scene and, of course, new york's finest. we'll keep you updated on fox business. right now the willis report. >> hello everyone. i'm gerri willis. this is the willis report. the show where consumers are our business. dramatic new details in the crash of a jet in the french alps. the 28-year-old copilot blamed for the disaster. >> the copilot intentionally crashed the plane. the fbi now aiding in the investigation. >> do airlines need a full review of pilot monitoring and training? saudi led forces bombed forces in yemen. iran warns of chaos in the middle east. oil prices surge on the news. federal government takes aim at e-cigarettes. the first ever ad campaign against statutoryvaping. >> sex discrimination

suit. comes closer to a verdict. for profit colleges in deep trouble. university of phoenix loses half its students. all that and more coming up on the willis report where consumers are our business. and tonight, what could have made the copilot of a german jetliner lock the pilot out of the cockpit and fly the plane into the mountain. trying to learn more about andreas lubitz why we wanted to destroy the plane. our adam shapiro has been following the story. joins me now with the latest. >> it's important to know that the regulations in europe over the number of people in the cockpit are different up until about an hour ago. than in the united states. the european union the zone actually decided that the airlines now will do what the united states already does. when a pilot leaves the cockpit, a steward or stewardess has to go in. always have to have two people in the cockpit to prevent people from being locked out.

that was how it always was but not in europe. the locking mechanism. we know from the investigators. the pilot who was locked out. was trying to get back in. on the airbus aircraft, you can punch in an electronic code to unlock the door. but a pilot in the cockpit can override that system. so that's something that's being addressed. finally, gerri, this is something you should know not the first time the pilot has been locked outside the cockpit and the person inside crashed the plane. happened in mozambique airlines in 2013. then a new zealand pilot was reprimanded he locked his copilot out after an argument. the other crash was ethiopiaian airlines where a pilot locked the other pilot out and crashed the aircraft. gerri. >> thank you so much for that. the story brings new concerns surrounding the mental stability around pilots. aviation officials in the us rely largely on pilots to self-report

their psychological issues and problems. why aren't mental screenings mandatory? how can you research your own pilot before flying? we're asking mike boyd president of boyd group international. welcome back to the show. big headline coming out of europe tonight. the newspaper in germany is reporting that this young man who is the copilot who was at the helm of this plane suffered from depression and took time off from work for that very reason. what's your reaction tonight? >> well that was back in 2009. we don't know what could have happened between now and then. but emotional events can take place in everyone's lives that could cause someone to do something crazy like this. that's why the mental screening is one thing but what is mental screening? screening for depression for schizophrenia? it's a lot different than giving someone a roar shack test. these things are rare. (?) i'm not sure we can avoid them. as long as we're letting

humans flying airplanes. that won't change. >> that's not going to change. the ceo of lufthansa saying that no policy changes were needed. and as adam just reported they're already making some changes in policies. are any other changes needed? >> well, one of the things we have to throw out right away is this argument that we have to be able to override the cockpit from outside the cockpit that's ridiculous. is the system that should be there to keep people from coming in. but another thing, having a flight attendant in the cockpit does help, but if you have a crazy person in the left seat or right seat and flight attendant in the other this, is one more victim involved. >> spanish pilots are calling for more training. are you surprised about that? >> no. pilots are the first. when these things happen depend on the pilots unions to be first one to drop the dime to say we

need better. they are the leaders. that makes sense to me. that's reassuring but i tnk eral i'mnot ure if can x ts kd o aroblm. gri: thk y snd a grter ancegettgurt cki outofour dreway an gtti hu o lane en wththeven th happed or tis wk. ceainlsafe toe in a ple. i ve t te you wheou ok aiine fetyanks tse dys iisot a ptty picte. 20 saty pplenirlines, the worst in a few years. you look at the jdec rankings lufthansa ranks a u.s. airline operator until you get to number nine and that is jetblue. what do you make of that? >> statistics are statistics reality like for example last year we had a very bad record of people dying because a malaysian airplane disappeared could have been for the same reason this one went down. another airplane was shot down. overall when you really look at

safety in the air can always be better but right now i would rather be flying than driving my car down the interstate on i-95. >> i want you to respond to something that one of our guests today in "varney"'s show early in the day had to say about issue should the rules be changed. listen to this. >> i was surprised to hear that number one, that germanwings does not have a two-man policy. in other words, in u.s. airlines you have always got to have two people in the cockpit. nor do they have a deep psychological testing process. whether it is politically correct or whatever it is, i'm sure it is going to change very quickly but you can see why it is very important as we understand really happened, why it is important that you do have these ike logical tests. gerri: so that was lt. general tom mcinerney. i played that spot for you because he does suggest maybe, he wants more testing, you don't, but maybe we should do

something about these doors to the cockpits. what do you say? >> no, the doors to the cockpit worked properly. number one. having two people in the cockpit does help but the overall, the door system worked way it should work. unfortunately we had a crazy person on the wrong side of the door. that is one thing. gerri: yeah. >> the second thing, psychological testing what does that mean? i don't know what that means. this is same person that said it was terrorist event. it really wasn't a terrorist event. it was a crazy person event. i don't know how we can fix that. you fight terrorism but it kind of thing, deep psychological testing might help. but it is not going to a panacea. gerri: mike boyd, thank you for coming on the show tonight. now we want to know what you think. here's our question tonight, is pilot training rigorous enough? log on to gerriwillis.com and vote. i will share results at the end of tonight's show. moving on, i mean moving on in a big way around the globe to the middle east, saudi arabia launching airstrikes in yemen

sending price of crude oil soaring, hitting a five-week high push gushing past $50 a barrel. phil flynn, price futures group, fox news contributor. welcome back to the show. weren't we talking about yesterday the possibility of a $20 a barrel? >> we were. $10, $20 forget that. throw that out the window. this is a new dynamic. i never bought into the $209 a barrel calls. most of the people calling for that never thought we would get to 40. i think they became too bearish. i think at the end of the day i think we've seen a significant bottom not just because what is happening in yemen but for a lot of reasons. gerri: tell us what is going on here? how much are they up? what are the underlying fundamental reasons for it? >> in short term there is no doubt the increased geopolitical risk was the headline today. the thing is, even though yemen isn't a big producer

saudi arabia is biggest producer in the world, biggest producer in the opec cartel. they're really going against the iran cans of course which be iranians which is the third biggest producer in the opec cartel. you have this clash right now that could really spin out of control. not only could impact supplies but put a monkey wrench and a deal, on iran and their nuclear program. if that happens some of this oil the market was expecting to get when iranian sanctions were lifted will be off the table. that will be develop bullish. gerri: all right how long will this take to get to my gas pump? >> i would fill up on the way home tonight. do not wait. it is going to happen right away. in fact i wish we could have filled up this morning. no, will be a really quick run-up. i wouldn't be surprised in coming weeks to see gasoline prices go up 10 to 25 cents a gallon. the good nice oil in the 2 heroin $40 to 25 handle most parts of the country.

-- 2 heroin 40. we'll. i like it talking about to oil. good to see you. >> thank you. gerri: still more to come to the proxy war in yemen spread to saudi arabia? send us an email, go to our website, gerriwillis.com. we'll be right back. ♪

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citi had the strength to help us go to the credit markets and raise the money. it's a brighter day in detroit. people can see better when they're out doing their tasks, young people are moving back in town the kids are feeling safer while they walk to school. and folks are making investments and the community is moving forward. 40% of the lights were out, but they're not out for long.they're coming back. gerri: new reports from the middle east. a coalition of countries led by saudi arabia and egypt are poised for a ground invasion into yemen. fighter jets already unleashed devastating airstrikes on rebels overrunning the area. we've been showing pictures all day. could the crisis escalate into proxy war between iran and saudi arabia? we're asking former u.n. ambassador and fox news contributor john bolton. welcome back to the show.

give us the latest on yemen. >> it has been a proxy war between iran and saudi arabia for some time. this houthi coalition in effect dividing country this is proxy and back door of saudi arabia and other oil producing monarchies on arabian peninsula. this is desperate situation. i think saudis waited too long. it is significant the egyptian government is in there. there are reports of egyptian groups already in the strait between the red sea and gulf of aden. i think that is potentially significant. and it stems in part because saudis and other arabs have given up the notion that united states will do anything significant about iran's nuclear weapons program. gerri: they're right on the border of saudi arabia. they have to be nervous about what is going on there. how much is this about sunnis and shiites not getting along together other is this more political than that? >> it is very complex inside of

yemen there is no doubt about it. the state has effectively disintegrated. the houthi are allied with former president of yemen who was once ally of the united states, former president saleh. but i think the real question here is the conflict between iran on the one hand and it is shia and shia related around the region and sunnis and shia. it is religious and military. but at source is the threat of iranian nuclear weapon which is es sustention threat not just for israel but for the minds of monarchs producing oil on that side of the gulf too. mention the fact that the president sitting on the sight lines and john boehner criticizing him for that. should we take more active role? >> we should do what we can to aid the saudis. no reason they and egyptians

shouldn't carry the burden inch of military action here. this is more a question of politics rather than what specifically we'll do military. the fact is a iran led by fanatics who have been central bankser of international terrorism for 35 years now on the verge being legitimate mated politically by the united states and having uranium enrichment capacity legitimated by the united states are direct threat to oil producing countries, friends of the united states. friends of an effort to get a settlement in the middle east. this introduced instability like we haven't seen in probably 40 or 50 years. gerri: israel surrounded, nervous worried worried about iran getting a bomb. on and on it goes. does it escalate here? what happens next? >> i think saudis egyptians and others see it as their objective to destroy the al-houthi coalition. to stitch back together some kind of government in yemen acceptable to them.

i think they will have the military capability to do it. the real issue is not fighting in yemen though it roiled oil markets. the real issue is iran's nuclear weapons. it has been and will be. gerri: to that point, ambassador bolton,. what next there? i line up with israelis. i would hate to see that country get i can intoed. but we're looking we're on the road to that, do i agree. >> if iran gets nuclear weapons, so do the saudis, turks and maybe others. that is very bad situation. there are two options in my view. one is most likely iran gets nuclear weapons. the second, either israel or united states uses preemtive military force to preempt that from happening. i argued that in a piece in the "new york times." under the obama administration i see zero chance that the united states will use force even if we signed this agreement with iran tomorrow, and they violate it on

saturday. so that is why the spotlight is on israel. to see if they will act. they have done twice before, against nuclear weapons programs in the hands of hostile states. gerri: on and on it goes. only getting more dramatic every day. ambassador bolton, thanks for coming on the show. >> thanks for having me. gerri: coming up later, our are home warranties worth it? do you have one? federal government talking e-cigarettes for first time in new national campaign. could it lead to an all-out ban? we'll discuss.

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gerri: federal government talking about e-cigarettes. they will warn consumers about vaping. we have founder of website, the

doctor is in. dr. pat, welcome to the show. show the ad itself, one of them. get a sense what the government is doing. you see a picture of a woman here. she is quoted as saying, i started using e sig gets -- cigarettes but kept smoking up until my lung collapsed. people tell you this is a great way to stop smoking. is it? >> there actually isn't any good evidence that shows that using e-cigarettes, as a nicotine delivery device helps people stop smoking. in fact recent studies make it look like smokers that use e-cigarettes less likely to quit than make smokesser who don't. gerri: unbelievable. we reported extensively on the show about some health impacts health problems especially for children who get burned because they break open one of these e-cigs and nicotine inside, the material, burns their skin. are there other health drawbacks

here? >> oh, sure. beyond burning your skin nicotine is actually a neurotoxin and as little as teaspoon of the liquid nicotine that people have that they keep in bottles to refill these devices could actually kill a child. now there has been no deaths yet but, there has been a remarkable increase in the number of calls to poison control centers across the country reporting toxicity poisonings from these, from the nicotine the liquid nicotine. gerri: we had some of those folks on our show, people who run the poison centers who take calls in the made i will confident night because some killed rolled over one of these things in their parents bed. sort of appalling. only person on this network who doesn't like e-cigarettes. i think it's a situation where money talks. this is a $2.5 billion industry right now. they say they should not be harassed by the government. they say the government has no studies to prove it is a

problem. how do you answer that? >> well i think one of the reasons why we have no studies is because we haven't had regulation the relatively new product but if they were regulated, as tobacco is, they would have to prove you know their claims. they would have to particularly if they want to be classified as a officially as a tobacco cessation product. they have to do studies to prove that it is safe and that it works. so i actually think that when you're inhaling a toxic substance, even though it doesn't have all the same carcinogens as cigarettes, there is strong reason to believe that these products should be regulated. >> on another top i can, do you think that these ads will work? i mean, how many people listen to the original smoking cessation ads? i don't know. is this kind of thing that would sway people? >> sure. they actually studied it, initial cdc ads of course didn't include e-cigarettes but aimed

mainly at traditional cigarettes. actually were responsible for about 100,000 people quitting for at least six months. and another 1.6 million people who attempted to quit. so we do know that these kinds of ads work. they're not only thing that works but they're one thing that does have, has been proven to help people stop smoking. >> dr. pat, before you go, give me couple more ways to stop smoking if i'm thinking about it now. >> i think using some approved stop smoking devices such as nicotine patches and nicotine gum. they all have efficacy. not being around people who are smoking. so if all your friends smoke makes it very difficult to quit smoking. gerri: right. >> trying to change your milieu so to speak are all things that work. and then, there is, there are counseling programs online that also have been shown to help. but it is not easy.

nicotine is a highly addictive substance. >> that's right. and i used the patch. that is what worked for me. doctor, thank you for coming on. >> sure, my pleasure. gerri: programing note for you tonight's "strange inheritance" about two forgotten tv actors who inherit a fortune from an illinois hermit they never met. it makes great discussion for you know packed after the episode. with melissa. >> ray had access to the computer. he could have found me. done anything. but i think the relationship already been there. he knew about my family and dogs names from teen beat magazines. it is all written done this. i think ray was not that man. he was harmless but there are one letter that had direction specifically from the farm right to my house. gerri: "strange inheritance" airs monday this thursday, 9:00 p.m. eastern. shocking attendance numbers at controversial university of phoenix. how much trouble are for-profit

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. ♪ ♪ gerri: welcome back to "the willis report." in a moment, how businesses are fighting back against negative online reviews, but it's time now for a look at other stories in the news. a suspected gas explosion sparked a huge fire and a building collapse in new york's east village just this afternoon. the new york city fire department saying 12 people were hurt, three are critical. the exact cause still under investigation. and the cockpit recorder is providing details of the final minutes of the germanwings plane that crashed tuesday in the french alps. french 2346g9ers say the copilot deliberately crashed the plane killing all 150 people onboard. european countries are pushing to have two people in the cockpit. the u.s. already has that rule.

and sergeant bowe bergdahl says he was tortured by the taliban for five years and blindfolded for months. new details coming from his attorney today. the army has charged him with desertion. the governor of hom declaring a state -- of oklahoma declaring a state of emergency. storms left widespread damage, numerous injuries and at least one death. and those are is some of the other stories in the news tonight. and now to a closely-watched sex discrimination lawsuit in california. the outcome of the case could have big implications for workplaces all over the country. it's about ellen pao, a former junior part nor at one of the most storied venture capital firms in the country, kleiner perkins, the company behind amazon and google. pao is i suing kleiner perkins for for sex discrimination. arthur aidala great to have you on the show here. >> thank you.

gerri: you said four hours? four days. >> four days. she was on the stand for many days, and the judge here did something that's very atypical. he allowed the jurors to ask her questions. the jurors asked a hundred questions. that's a lot. gerri: is that a good thing or a bad thing for her? >> it depends how she's coming across the jury quite frankly. if she's coming across cred credible, a sympathetic, b, then it's good for her. if she's coming across i'm princeton, i'm harvard law that's her pedigree then it's bad for her. but this is all about credibility. she's saying she didn't get promoted she didn't get advanced -- gerri: [inaudible] >> she didn't get invited to al gore's house because of her gender -- gerri: that's such a bad thing? >> they're saying she's overrated in her own mind and she wasn't invited to those events she wasn't elevated because she wasn't great at what she did. there were people who were

better than she was. gerri: here's what kleiner perkins' attorney says: she was given every opportunity to succeed, ellen pao failed because of her view of her skills and performance were far different from what they were. >> right. so she thought she was great. gerri: we know this. let's tell it from her point of view. >> that's what they're saying, she thinks she was great, she deserved a b and c, and they're saying, no. also what's in her favor is 20% of the leadership at this venture capital company is female that's three times higher than the average of the venture capital world. gerri: most of silicon valley is all knell las. >> correct. that's what she's saying, it's a boys' club. gerri: here's my view on this, and i don't know how successful these suits typically are, but if you're a woman working in a largely male environment, you know that walking in the front door, right? that's not a surprise to you. t you've got to figure out a way to act and be in that environment so you succeed. >> there are a lot of hurdles

you know going in you have to overcome. but here's the quick, the tricky point. she does testify that there was a plane trip that she was on, and all the guys were talking about playboys and pornography and things like that. that bodes well for her. she was saying there was a ski trip that was office wide, that it was men only and she was excluded. that bodes well for her. so it really is going to depend -- it's the jury is six men six women. the lawyers are two women. i believe the judge is a man. and it's going to depend on what these jurors -- gerri: yeah, but, you know, people don't necessarily vote their gender. >> usually it's the opposite. usually the men are more productive of the women and vote for the women, and the women -- gerri: really? >> oh, yeah. like in a rape case the big misnomer is, oh, you want women jurors. not necessarily. men jurors want to defend the victim, defend the woman, and they want to put the guy in jail where the women are like oh, i don't want to put anyone in jail. gerri: so she could win $16 million -- >> plus and there's punitive damage on top of that.

she could become a multi multimillionaire. number one, she's got to win liability and the award has to hold water. a judge can reduce it. gerri: i think she's going to be writing op-eds with gloria steinem for the rest of her life. that's my view. >> we call this lawyer lotto. gerri: it totally is. you can't predict what's going to happen. how often do people who claim sexual discrimination, how often do they win? >> i would say over 90% settle. you don't hear about these cases, right? nobody wants that to be in the public view. you can't go and find it. very rarely do these cases come to trial. gerri: arthur, great to have you on -- >> it was a pleasure to be here. and i love that color. [laughter] almost like match a little bit, we're springish we're pushing spring, even though it's rainy and miserable outside. [laughter] gerri: when we come back are for-profit colleges going the

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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 ♪ ♪ gerri: the largest for-profit university in the country is losing students, lots of them according to a new report. the university of phoenix's enrollment number has dropped, well significantly in the past five years if you call it dropping by half. with more on this, rob franticment welcome back to the show. >> good to be here. gerri: before we get to this topic you and taylor swift are an item. >> one of our course manuals for the s.a.t., we talk about one of her songs using poor grammar -- gerri: what's the song? >> it's called "fearless," came

out a couple years ago. great song, and we're big fans but poor grammar does not get you points on the s.a.t. gerri: and so she took umbrage? >> yes, she has. first of all, there was part of the lyric that was incorrect, however, the grammar is still wrong, and we're giving away two free tickets for her two biggest grammar lovers. gerri: you're giving away a free to 1989? how do you do that? >> that is the new tour -- gerri: oh, to her 1989 tour. >> correct. gerri: she has, like, five million followers on twitter. that's like winning the lottery, i think. [laughter] i do want to talk about this university of phoenix move because this is very controversial. these for-profit colleges have been accused of nefarious doings with public dollars, let's keep in mind. this is student loan money that they've really frittered away. >> yep. gerri: tell us what's going on here. >> a couple things. university of phoenix had great success 2008-2010, redefining

online education, but 13% of all the students in college and graduate school are enrolled in online courses however they're taking up nearly 30% of the student loans coming out from the federal government with a nearly 50% default rate. gerri: so they default, and they don't graduate, right? >> it's sad because we've talked about ballooning debts or don't have a degree or have the degree and didn't get the gainful employment, many of those students are coming from for-profits. gerri: what is the future of for-profit schools? >> i don't think all are created equal. there are some exceptional schools, university of southern california university of north carolina has a business -- mba done completely online. an undergraduate school, which we are big fans of, called the mier in v.a. project, we are big fans of -- gerri: you know what i hear you saying is most of these are bricks and mortar schools that have launched an online element to what they're doing and that

seems to work better. >> it does work better, and it's complementary because brick and mortar schools are not going to grow that far, so they can grow fairly rapidly with an online platform, and they can do it well. university of phoenix is not one of them. gerri: how do i know who's good and who's bad? besides buying your book? >> well, do your due diligence. the focus that you put on finding enough data on college or graduate school, you have to do the same thing online. it doesn't excuse you just because it's easier to enroll in a class. gerri: rob, thank you so much for being with us tonight. you and taylor swift -- [laughter] pleasure you're blushing. >> fearless. gerri: that's amazing. all right. you may want to think twice the next time you post an online review, especially a negative one, because you could be sued. a virginia dog owner was slapped with a 65,000 defamation suit for posting bad online reviews of a dog obedience school that

she says didn't work. joining me now, vera gibbons. personal finance expert. what happened here? >> she didn't like the dog obedience school. [laughter] she was trying to make her dog, apparently, more social, and the trainer, the woman who owned this company dog tranquility, put the dog in a class that she didn't think was appropriate so she complained about it on yelp and some of these other sites and now she's up against a $65,000 lawsuit. crazy. gerri: yeah, it is crazy. there's a lot of reaction against this online because there are other people who are fans of the same service, right? >> it's amazing, i did a quick search, there were something like a thousand comments in regards to "the washington post" site and negative backlash going on. i think this woman took the wrong course of action suing an actual customer for a huge sum of money. what she should have done is a rebuttal maybe issue a refund, make nice with your consumers don't all yen nate them further -- alienate them further. gerri: was there any evidence

that might have happened, look, is there something we can do here? >> there is some evidence. apparently, she offered a credit, but from my perspective from what i've seen it sounds like this woman just wanted a refund. it was $175 it can't work for her, her dog wasn't happy, nobody was happy so she should have gotten the refund, in my opinion. gerri: should have gotten the refund. so what's your advice to people out there who want to complain online and don't want to be sued for $65,000? [laughter] it seems to me like it's my first amendment right, you know? >> yes. gerri: because that's what these web sites are for. >> right. this is what these web sites are for. the vast majority of people who post reviews on these web sites are legitimate people like you and me, over 95% are people who are legitimate. they want to express the good the bad, the ugly. this is what these sites are for, and the vast majority of internet users use them to make an educated informed decision about hotels restaurants bars hair dressers dentists. so this is what they're for and

consumers how old continue to use them -- gerri: i can see, though, as a business owner just as they're very important to consumers, they're also very important to the business owner, right? and you probably rely on a lot of your traffic on these web sites. one negative review probably turns away a lot of people. >> right. i mean, the businesses are hugely reliant on these reviews to drive business to get people into their shops, into their stores and that type of thing. number one is word of mouth. number two is consumer reviews, so from a company perspective, yes they want these reviews to all be pretty and clean and five stars, but unfortunately when i go on there we want to see the good, the bad and the ugly. i don't trust a company that has all five stars. i want to see some negative with some positive. a nice mix, and then i want to make my own decision on my own. gerri: that's a mature reaction vera, i appreciate that. [laughter] thank you so much. >> thanks gerri. gerri: still to come, we answer the question how do you do that. we'll have advice on tapping those whole home warranties, have you heard of those?

we'll tell you whether they're even worth it in the first place. more on that in a minute. ♪ ♪ 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.

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request your free guide, and explore the range of aarp medicare supplement plans to choose from based on your needs and budget. sixty-five may get all e attention, but now is a good time to start thinking about how you want things to be. [ male announcer ] go long™. ♪ ♪ gerri: home warranties not warranties on a product but on your whole house. they're supposed to provide peace of mind in case of an unexpected repair but it seems like the only thing they provide is a headache when homeowners try to use them. so how do you decide if they're worth it? here with his advice tom crimer. good to have you here. so we hear a lot online about how bad these things are. what do you make of them, are they worth the money? >> not really. [laughter] gerri: that's an honest answer, i like to hear that. >> you know, they're one of the most complained-about categories

on some consumer web sites, and you say how can they be so popular? they're popular with home sellers. they're a selling tool. you put your house on the market, maybe it's an older house you're worried about things breaking down during this transaction, they put the warranty on to pass it on to the prospective buyer. gerri: but the problem is making good on that. let's say something goes wrong with the house and you trying to get something sticked, it's going to be hard to do, right? >> it can be. there are things they do cover and there's only a couple of reasons i think it makes sense to have this. if you have no extra money to do any repairs on the house then maybe -- gerri: how much do they cost? >> well, the warranties are like $5-$600. gerri: so we're talking about a big fix. >> $50 a month. if everything is old in your house and there's no pre-existing condition for age, that might make it a good reason to buy it and, of course, if you're putting your house on the market, they are attractive to home buyers. gerri: even though they may not

know they're difficult to use. >> yep. gerri: so if you want to purchase a home with a warranty is this a way to do that that makes sense? >> well, listen it's kind of what you get is what you get, but the devil is in the details. there's a lot of things that these warranties don't cover, and you have to be careful to understand what it does and doesn't do. gerri: tell me about that. >> well, for example i had a family member that had one of these warranties last winter terrible winter. furnace goes out. the warranty was supposed to cover installation and the new furnace -- gerri: and? >> the serviceman says, yeah but it doesn't cover modifications. well what's a modification? they called modification removing and reconnecting the electrical wire, the gas pipe and removing and reconnecting the duct. that's not a modification, that's what it takes to install a furnace. gerri: wow. so the whole bill was not covered? >> just that, but they ended up tacking on about $600 to the cost of the replacement. it cost her $600 for the

modification. gerri: so that's a big devil in the details, if you ask me. anything you want to mention specific here? >> well, if you've bought a house and it's really old and you're concerned about making sure nothing really goes wrong with it and you don't have any money, that's really the only time it makes sense to have a home warranty. other than that i think you're better off thinking about this. appliances, right? that's one of the things it covers, appliance service contracts almost never make sense. set money aside for that. buy on your credit card, they'll double the -- gerri: and you can pay anything you want to for an appliance. you can go low end, mid-range, high end -- >> exactly. gerri: you don't have to spend a million dollars. >> heating and cooling systems that's something you want covered so why not get a service contract through your local hvac pro? now roofs, if you have a big storm and you get a leak, you don't need a warranty, that's covered by your homeowners insurance. gerri: what great advice. i think that's terrific. i think people look for an

all-in-one solution, and often that's just not the case. when you become a homeowner, you have to have a million people that you work with to keep that house in shape. >> you need a team. gerri: absolutely. tom thanks for coming on the show. >> you're welcome. gerri: and now we want to hear from you. the cockpit voice recorder is providing details of that terrifying time, the final minutes of germanwings flight 9525 leading prosecutors to say that copilot caused the crash. is pilot training is it rigorous enough? here's what some of you are tweeting me on our poll question tonight. arthur says: no, there should be more testing. donald asks: what about the technology built into members today? -- planes today? isn't it almost foolproof if you have a brain? and on facebook annie writes this: it seems commercial pilots should be required to have periodic psych evaluations in order to retain flying eligibility. they certainly have physical checkouts all the time. but rick says this: yes it appears to be sufficient for a copilot. the issue here may be that of a detailed background check that may have raised red flags.

interesting conversation. in addition to following me on twitter and facebook, be sure to like fox business on facebook. and now we want to hear from you. here are some of your e-mails on the hillary clinton e-mail scandal. this is no longer a question as to whether clinton has broken a whole series of laws, it is one of whether our elected officials can do anything about it and gene from new york says: any government official who puts any official government business on their private e-mail site exposes all private e-mails to public scrutiny. in other words, when private and public e-mails become comingled, the site or server -- server in this case -- has to be considered public domain or ownership. i agree with that jean. and here's robert from georgia: i have had two e-mail accounts on my computer for five years with absolutely no problem. hillary is obfuscating. the real reason? no accountability. we love hearing from you. send me an e-mail, gerriwillis.com. we'll be right back with a

look at how taylor swift seems to be going back on her principles. her latest move, coming up. ♪ ♪ ♪ hi, tom. how's the college visit? does it make the short list? yeah, i'm afraid so. it's okay. this is what we've been planning for. knowing our clients personally is why edward jones is the big company that doesn't act that way. 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.

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gerri: a french prosecutor says the copilot of the germanwings plane intentionally crashed it into a mountain, killing all 150 people onboard. when it comes to airline safety is pilot training rigorous enough? 55% of you said yes. 45% said, no. pretty split. log on to gerriwillis.com for our online question every weekday. and football fans listen up. major changes could be on the way for the most boring play in the game, the extra point. nfl owners' meeting this week making major announcements including the end of the

blackout rule, but the owners seemed eager to change the p.a.t., changes that could happen at the may meeting and be implemented this season. i hope i said that right. among the possibilities are moving back to the line of scrimmage for extra point kicks and eliminating the kicks entirely. changes to the two-point conversion may be included as well. currently the line of scrimmage for both is the 2-yard line. now voted down is the proposal is each team get a chance in overtime. taw hour swift yanked her music off spotify last year, but now streaming her music is possible on a site you've probably never heard of but you've definitely heard of the guy who just bought it, jay-z. and unlike spotify, the price tag for streaming music on title is pretty high $20 a month. but if it keeps signing big stars like taylor swift, it could be real competition. that's it for tonight's "willis

report." don't forget to dvr the show if you can't catch us live. charles payne is coming up next with "making money with charles payne." we will see you tomorrow. ♪ ♪ charles: i'm charles payne, and you're watching "making money." well the markets continue to struggle in part because of the spike in crude oil and war back on the table. saudi arabia taking matters into their own hands, leading a ten-nation coalition to send the advance of the huety rebels in yemen, the whole country is falling completely apart. crude oil roaring higher after forming a double bottom. i've got to tell you manager, maybe it's a coincidence but this one chart pattern always seems to work, and since then crude oil has gone significantly higher. another problem for the market today, earnings warning. we're back in earnings warning system as sandisk got clobbered on a warning.