service. the buy button is the gateway into that entire ecosystem. >> jo ling kent thank you very much. thank you so much for joining us. "the willis report" is next. >> see you tomorrow. gerri: hello everybody. i'm gerri willis, and this is "the willis report" the show where consumers are our business. tonight the fbi now looking into the theft of personal tax information of more than 100000 taxpayers. why couldn't the irs keep people safe? and more evacuations ordered in texas as the rains continue to fall, and flooding just keeps getting worse. we'll have a live report. and the fcc says it's going to make it easier for consumers to stop the annoying robocalls, you know the ones at dinner. will their plan work? "the willis report" starts right now. is your tax refund and your personal identity safe? tonight a troubling new look at what happens when the irs

doesn't protect your identity or your wallet. like the latest data breach impacting over 100,000 taxpayers our next guest has experienced tax fraud firsthand and has crucial advice for viewers. here with me is the founder and president of diversified financial consultants. welcome to the show. we have talked about the issue you and i for a long time. you are familiar with it. i didn't realize you were so personally familiar with it. tell me your experience with this kind of fraud. >> just in the last 12, 18 months, we've had two of our own clients contact us because when your data gets robbed, tax information gets robbed, this is literally the open book to your financial picture. so we were contacted by two of our own clients who were like please watch our accounts put alarms on our accounts so you get any kind of contact or requests for liquidations it's not us you need verbal

confirmation directly from us that you want money sent out from our account. when this happens it literally scares people to death. this is the open window to everything financial related to a client. gerri: absolutely right. couldn't have that more right. and, of course i've heard that it can take months and months and months to get this fixed. not only to get your tax refund back, but also to fix your identity. >> well the insult to injury here is you go and file your tax return like you're supposed to on a timely basis and get a nice letter back from the irs saying you've already filed a tax return, we're going to ignore the one you just did. that's the alarm bell that somebody filed a tax return in your name. you have to prove that you are the person legitimately entitled to file the tax return and wait for the refund. that is a very long, extended process. obviously the irs is swamped with this. gerri: absolutely right. let me tell you what's happening next here. >> it takes a very long time.

gerri: we've got the fbi opening an investigation, and i want to read to folks what the fbi spokesman had to say about this. the fbi has opened an investigation into the recently reported incident at the irs working with our interagency partners to determine the nature and scope of the matter, individuals contacted by the irs should take steps to monitor and safeguard their personally identifiable information and report any suspected instances of identity theft to the fbi. and tell you how to get to it www.ic 3.gov. i got to tell you,dom, this is called comfort right? they're going to say, if you have problems, the horse is out of the barn, but call us and we'll do something about it. i have to tell you if you're paying your taxes on time, you're doing all the right things as 98% of american taxpayers are the idea that you're going to have your identity stolen for complying with the law is an insult. what's your reaction? >> look, gerri we've seen this

and can talk about what happened with the data breach at target and banks and now the irs. these are criminal organizations this is not some guy working out of his basement. very sophisticated and they are data harvesting looking for your name address, social security, date of birth and using that as the entry way, in this case the irs' own website to get past tax returns. once they get hold of that financial data, it's all over. they have the keys to the kingdom. so all these institutions whether we're talking about retail stores or the irs have a huge responsibility to their customer and in this case the taxpayer, we the taxpayer are the customer. gerri: well so my outrage is about the fact that i'm not picking up toothpaste at target, i'm complying with obligations as a citizen in this country and the irs can't protect me doing that? they should be out of business. you can't do that in the private sector. before we go on. >> i don't get to vote on that

one. gerri: dom, i have to ask you this before you go what should people do seriously? if you think this might have happened to you and worried about it happening in the future, what should you do? >> so some of it is in our control, and that's what you have to stress. guard your information your personal data your home your address date of birth. you have to guard it like it's the most important piece of data you have in your life. and the other party, in this case, the irs, they have responsibility, they have to equally guard that information and we do have to hold them accountable. it's easy enough with the department store i'm not going to shop anymore there. when it comes to the irs, they have a fiduciary responsibility to guard and protect your information. gerri: dom, i appreciate you coming on the show tonight. thank you so much. >> thank you, gerri. gerri: there's a new study out there totally different topic going to health care nouchl the study says the genetic tests

that claim to predict cancer and other diseases are not reliable. not reliable. the first big report on the issue since the use of the tests became popular. tests are so flawed the report says, some people could be told not to worry when the health risk is present. and others are told to take drastic action when they should be given the all-clear. with us dr. kevin campbell assistant professor of medicine at unc. great to see you, dr. kevin. how big is this problem? how many of these reports have errors? >> you know, there are tons of genetic testing companies out there. before the last year, they didn't share data. there are so many errors occurring nearly 20% of the different laboratories differ on what they think the particular result means, and that impacts us as patients. gerri: so i read there is something like 17% of cases results are interpreted differently to your point. so it's not just that the test may not be all they're cracked up to be.

whoever is reading it may interpret it differently. tell me about that? >> it's really important to establish a genetic test that actually you associate a particular disease with a gene then you show that a mutation or change in the gene causes the disease and you have to have clinical action you can take. we need tests that can predict disease and do something to prevent it. as physicians that is a wonderful tool that we'll be able to use to help patients. we have to have reliable testing. impression that the tests themselves there are big gaps in knowledge in terms of what they're actually looking at, and the length of the dna code. there's more information that is actually analyzed. help us understand the degree to which these are really last words on your health? >> you know i think the future of medicine is personalized medicine. where we use your genetics and dna to predict disease and to specifically treat you. the power of genetic testing is

in pooling of data. before the last year or so we weren't sharing data between companies. now we have the cooperative effort where data is shared and i think we're going to get real information that gives us reliable testing. as we go forward over the next five to ten years. gerri: that is very exciting, and a brand-new database that's going to do just that. i want to read to you, though i think the issue, the example of this that got everybody talking was angelina jolie finding out she had the cancer gene. here's what she said i carry a faulty gene brca 1 which sharply increases my risk of carrying breast cancer and ovarian cancer, my doctors said i have 87% risk of breast cancer and ovarian cancer. i made a decision to have a double mastectomy. how many angelina jolies are there that could prevent a horrible disease by acting early? >> the sky's the limit in terms of predicting disease this way

and acting early. what we want to make sure we do is not give negative results and say you don't need to do anything and end up getting the diagnosis or you have a high chance of getting cancer and you do a radical surgery like this and it wasn't. we need the tests to be reliable and accurate to give our patience the very best chance of survival there is. >> the million-dollar question dr. campbell, what do i do as a patient anybody watching you tonight do if they want to get ahead of the curve on any family diseases? should they take the test? should they not? what should they do? >> you have to work with your physician talk with doctor about concerns, family history and then decide together if genetic testing is right for you. if it is make sure you talk to a geneticist so when you get the information back, have you people help you interpret it and also tell you how reliable this particular test is so that you can make really good well-informed decisions.

gerri: great advice dr. kevin, so good to see you. >> thanks for having me gerri, have a great evening. gerri: you as well. we want to know what you think, here's our question tonight -- i'll share the results at the end of tonight's show. and still to come a warning about rising medicaid costs you want to hear that. we head back out on the campaign trail as the republican field keeps getting more and more crowded. what will george pataki bring to the table? let us know what you think. you can go to our website gerriwillis.com. we'll be right back.

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sayeg executive vice president of georgetown associates surrounded by politicos. so excited. we have pataki jumping into the race, what really are his chances? >> very, very, very very slim you. >> mean slim? >> yes, very hard for socially liberal former governor from the northeast that doesn't have much of a national profile hasn't held office for years to break through any field, especially one that is as crowded and as talented as this one. gerri: so i want to play sound from his presser he had some interesting things to say about hillary. listen to this. >> our justice department will treat all fairly and uphold the constitution, no one will be above the law. not even if you're a former secretary of state whose name happens to be clinton. [ cheers and applause ] . gerri: what do you make of, that tony? >> the more these growing field

focuses on hillary clinton and barack obama versus each other i think is a positive thing for the conversation. of course you have to offer solutions, and that's where i do believe governor pataki whether or not you can handicap him as being a good chance to win or not offers something to this debate. he's very thoughtful, i observed him for three terms in new york, strong in national security, and at this early stage gerri, i know it's tempting to make this a horse race, it's not. this is about close to a dozen republicans all who are going to try to get their message out. gerri: now ones every day. i want to move onto scott for a second. scott as i say, there is so many republican hopefuls here. is anybody standing out in your view? >> let's talk about new hampshire, the fact that governor pataki did it here in new hampshire held a town hall announced the birth place of republicans, it was a good move by him. it got him some new hampshire

exposure, first in the nation primary state. that gives him a little advantage but he's not polling hardly at all. the front-runners i think in new hampshire once again are rubio obviously walker rubio bush, you've got christie coming in there, rand paul and huckabee that's the top six. but it is early and there's a long way to sgoeshgs right now no one is dominating in new hampshire and the rest of the country. gerri: exactly right. the other side of the coin here hillary rodham clinton, 53% of us are saying these she's not trustworthy. rich, can she get past this? >> yes she can because if being deemed untrustworthy by the american public means you can't be elected president, bill clinton never would have been elected president, and re-elected. so i think a key indicator to look at is does she identify with people like and you with your problems? if that number slides in the wrong direction.

gerri: she tries to identify all the time but she seems more like the 1% than the majority. >> i promise rich and i did not clap rate on this point. i think that is her biggest problem in the quinnipiac poll only 40% of people say she identifies with people like them. 47% say she does not. this is the question barack obama overwhelmingly beat mitt romney on. she clearly is not resonating as champion of the middle class, the populist thing is proving to be authentic and hurting her. gerri: i want to look at poll that we have. republicans poll against hillary rodham clinton and in every case she seems to be at them, rand paul, marco rubio mike huckabee every single time, hrc does better than the republicans what do you make of this? can she maintain it? >> we might as well give up. i guess the selection tomorrow. we have a chance to get a

qualified nominee. we have a very qualified field. she is out of touch with mainstream america. she hasn't driven in decades, getting paid upwards of a million plus for speeches complete lack of understanding there is a trust issue a lack of accountability issue, and the fact that she's not willing to talk and answer questions and/or disclose the full financial matters affecting not only her but her husband is a real problem, just a question of whether mainstream media and others are going to pick it up and inquire like they should. gerri: rich you know, you can say she's out of touch, you can quantify the many times she said one thing and done something else but she still leads in the polls? >> yeah, you'd rather be leading than not. it's still very early, and i think the republicans are in a better position in this sense, they have about six plausible candidates depending how you count. a lot represent a new fresh

generation, it will be an exciting interesting race, much more interesting than anything on the democratic side. when you get people voting in the primaries, you have a good chance getting them to come back and vote. gerri: i need two seconds on carly fiorina. i think she's popping out here. tony what to you make of her? >> she has broken into the top ten of republicans running which means she will have an opportunity to participate in the debates. look, her tactics are effective. she chased hillary down to south carolina. she's approaching this the right way. republicans love to see their candidates fight for, it not whine and complain like the others. gerri: scott tell us quickly when will we see the republicans break through when will somebody get in front of hillary? >> well i think once you have the debates and the american people can actually hear the people, hear their ideas, i know carly, i've seen her, she's feisty hard working energetic, she offers a good alternative. what do they have on the other

side, bernie sanders and o'malley? that's a joke that's a joke. i know bernie and we're not going to elect a socialist. gerri: probably not. chances are. rich, tony and senator brown thank you so much for coming on. great to see. >> you thanks gerri. gerri: later, residents in texas. texas and oklahoma can't catch a break as more rain pounds the region. we'll have the latest. weeks before the supreme court is set to rule on the future of obamacare subsidies, the president's signature law is back in court for another reason. we'll explain coming up after the break. i am totally blind. and sometimes i struggle to sleep at night, and stay awake during the day. this is called non-24, a circadian rhythm disorder that affects up to 70 percent of people who are totally blind.

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[beeping] ooo come on everybody, i think this is my grandson. [lip syncing] ♪little girl you look so lonesome oh my goodness. ♪i see you are feeling blue ♪come on over to my place

♪hey girl ♪we're having a party happy birthday, grandma! ♪we'll be swinging ♪dancing and singing ♪baby come on over tonight [baseball crowd noise] ♪ ♪ [x1 chime] ♪ ♪ [crowd cheers] oh! i can't believe it! [cheering] hi, grandma! ♪ . gerri: no surprise here court is back in session for obamacare. oral arguments banned over the house republicans obamacare

lawsuit. republicans say the obama administration overstepped authority when it made changes to the law, but will republicans prevail? we're asking founder of viral springs technology. thanks for coming on the show tonight. this is not king v. burwell this is a different lawsuit altogether and brought by republicans who say the president did not do the right thing in bringing obamacare to law. what are they stating that president did wrong? >> as we recollect, gerri, manipulations in terms of the exemptions that were given to employers, the delays in terms of the actual deadlines for implementation, so a lot of the things that were written into the original law were not actually enforced according to the way the law was written, so there were a lot of actions taken to manipulate those

deadlines and compliances that are at the root of this particular lawsuit. gerri: they are saying it has no chance they're saying the lawsuit is wasting taxpayer dollars, what do you say? >> well, i think there may be some substance to that. in that i think the greater focus now, if we're really trying to mitigate some of the downstream impact of what's happening with the rollout of obamacare we're going to be better focused on look at an alternative plan in case the supreme court rules that the subsidies are no longer valid, and i think a lot of the attention from lawmakers a republicans really needs to come up with a sound, well articulated plan that provides confidence to the public in terms of what's happening. i think -- gerri: let me tell you, the real losers in king v. burwell

if it prevails are republican governors they're blamed for people losing subsidies. how many folks are at risk? and why would they lose the subsidies? >> you raise an interesting point. it will be a very interesting chess game that the republican governors be in a position to respond to because the public rhetoric will be that you have millions of people that all of a sudden could lose their coverage, and the republican governors could easily, you know, sign up for the exchanges and mitigate that risk. there have been some proposals, though, that are an interim step for allowing the subsidies to continue until 2017 while there say longer term solution put in place to rectify the path on which the affordable care act proceeds. that may be a more pragmatic approach as opposed to the

republican governor simply surrendering and signing. gerri: yet to be seen if anyone is pragmatic on it. dr. p, thanks for coming on the show. so good to see you. >> thank you. gerri: coming up we have a surprise! fox news kim berl guilgoyle is here to talk about her new book. floodwaters keep rising and rain falling in texas and oklahoma. we'll have a live report from houston. coming up. stay with us. ♪ (piano music) ♪ fresher dentures, for the best first impression. love loud, live loud polident. ♪ ♪ fresher dentures... ...for those breathless moments. hug loud, live loud, polident. ♪ ♪ ♪ ♪ ♪ ♪

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♪ ♪ gerri: welcome back to "the willis report." in a moment a live report on the severe weather in texas that just doesn't seem to let up. but it's time now for a look at other stories in the news. seth blather says he -- fifa president amid a massive corruption probe the investigation into racketeering charges in the 2018 and 2022 world cup votes.

he's up for re-election tomorrow in zurich after rejecting demands from the european branch of fifa that he resign. automakers and governments are releasing models of an airbag recall announced last week. the canadian government says more than 7,000 honda vehicles dating back to 2001 could have those airbag inflaters that can shoot shrapnel into drivers or passengers. last week the recall was doubled to nearly 34 million. and stocks hitting the slightly lower. the price of oil continued to fall down to around $57 a barrel. and amazon stepping up its game yet again, offering free same-day delivery service in some cities to prime customers. starting today more than a million items including books and electronics will be eligible in 14 cities including new york, philadelphia and l.a. orders need to be over $35 and placed by noon. and those are some of stories in the news tonight.

hail, tornadoes and thunderstorms are expected across the southern plains into texas and oklahoma. we've been telling you about this for days. the two states have already gotten record rainfall and deadly flooding and the nearly 3 inches more rain coming is sure to hamper search efforts in central texas which is where we find will carr in houston with the latest. >> reporter: hi gerri. walmart has come out this afternoon and pledged half a million dollars to help with the relief effort here in texas. at the same time, eight people are still missing in hayes county, texas, about three hours west of us right now. we've learned that 250 people have joined search and rescue crews and members of the military to try to find those who are unaccounted for. also there are voluntary evacuations going on right now in wharton texas, and parker county, texas, because there's concerns about more flooding going on there. and then there are the tornadoes. a tornado set down in the panhandle last night of texas it hit an oil rig injuring three

people. here in southwest houston, a lot of residents are coming out trying to see what's salvageable that was hit by the flash flooding the other day here many just taking their possessions and putting them on their front lawns out here. and the last thing they want to hear is more storms could be on the way here although some gerri are taking it in stride. take a listen to the homeowner who owns the house behind me. >> there's more storms come, i guess the stuff will continue to get wetter and wetter and wetter. i just hope the bayous and everything can handle it. i guess at this point what's a little more water? >> reporter: a pretty good attitude, and we've seen that from a lot of residents around here including from two men who actually gave their rabbi a ride the other day in a canoe when the flash flooding was at its peak level in this neighborhood. his synagogue sustained a lot of damage, gerri. the rabbi though, he's doing okay. gerri: will, thank you for that. some good news at least. and when we come back, important

information for homeowners as we head into summer. how to keep your deck in tiptop shape. and next, the sec says it's finally cracking down on row bo calling. should we believe them and will it work? we'll have the details but first here's your consumer gauge with the numbers that mean the most to you. ♪ ♪ if you're an adult with type 2 diabetes and your a1c is not at goal with certain diabetes pills or daily insulin your doctor may be talking about adding medication to help lower your a1c. ask your doctor if adding once-a-week tanzeum is right for you. once-a-week tanzeum is an injectable prescription medicine that may improve blood sugar in adults with type 2 diabetes along with diet and exercise. once-a-week tanzeum works by helping your body release its own natural insulin when it's needed. tanzeum is not recommended as the first medicine to treat diabetes or in people with severe stomach or intestinal problems. tanzeum is not insulin.

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gerri: breaking news out of chicago where former speaker of the house dennis hastert has been indicted. federal prosecutors say the 73-year-old illinois republican is accused of withdrawing nearly a million dollars in cash in a way that evades transaction reporting requirements. he's also accused of lying to the fbi. each count carries a punishment of up to five years in prison and a quarter of a million dollar fine. moving on now, the ongoing battle against those dreaded unwanted robocalls comets, you know, the ones you get at

dinner. the fcc proposing a plan to make it easier for consumers to stop receiving automated calls. with more on this, timothy marvin. timothy, welcome the show. what is the fcc chairman really calling for? what does he want to see happen here? >> he released the proposal that would clear the way for companies to stop -- to start blocking robocalls for consumers. this is a big victory for consumers. and it really does put the to miss for -- the onus for blocking these calls back on carriers to institute technology and give consumers options to block these calls before they get to our houses. gerri: but, tim, i thought we were already blocking these calls. it just doesn't work. why is this proposal going to be any better? >> yeah. you're talking about the do-not-call list. the do-not-call list was really great when it came out. virtually every american has signed up for the do-not-call list and if you asked them, they would tell you they've

probably got a robocall in the last week or so. it just isn't effective anymore, and that's why we need companies to start offering consumers real options to block these calls and that's why we launched our campaign, end robocalls.org. gerri: okay, so how is this going to work as a practical matter? companies have to inform me out of their goodness of heart, or am i paying extra? what's going to happen? >> we're leaving that up to the companies. we're calling for free, effective tools that would allow you to have the option to block these calls before they get to us. we've seen some technologies out there that are already doing this on a small scale. we'd like to see companies adopt these technologies on a much larger scale and offer us the consumers, the option to start blocking these. and we think that they can solve this problem. they're really great at a lot of things -- gerri: you know, timothy -- >> we think he was the ability to start doing this for consumers. gerri: so consumer complaints the fcc's top consumer complaint in 2014, it was unwanted calls

and texts, 215,000 of them. that's a ton. i feel like i got half of those myself. and i have to tell you, if you going to leave it up to the phone companies to do it, i see a higher bill in my future. is that possible? >> yeah, that is possible. [laughter] but, you know we think the marketplace will eventually push all the carriers to adopt robocall-blocking technology. i mean, the fact is not only are these calls annoying, but over 350 million every year is lost to telecommunication fraud. so not only is it annoying, but it's also affecting people's quality of life and at the end of the day, it's affecting people's pocketbooks. and because the problem is rising so quickly, we think that companies are going to have to respond now that the fcc has cleared the way. gerri: from your lips to god's ear, we'll see n. the meantime i barely pick up my telephone at home anymore because there are so many of these calls. and we're on the do-not-call list. >> it's out of control. yeah. gerri: tim, thank you.

well in other tech news, a newly-discovered itch in apple's software where it can cause products sho shut down after getting a certain text message. the message includes a string of characters including some arabic characters. the crash happens when a phone isn't in use and a short version of message appears on the lock screen. you can prevent this yourself by turning off the message previews, that's a feature in your setting. apple says it's aware of the problem and is working on a fix. work faster, that's what we say. well, it's almost summer and we've got some great advice for you about your deck. you may be trying to enjoy it right now, but it could be one of the most dangerous parts of your house. we're talking to tom -- [inaudible] the host of "the money pit." how likely is it there's a problem with anybody's deck that that's watching the show right now? >> pretty likely. the average deck life is 10-15

years. gerri: is that all? that's it? >> that's it. that's all you're going to get. gerri: why because they're made out of bad material? >> they're made out of wood and they're affected by rain and winds, so if you have an older deck like that, you could be at high risk of a failure. it's usually when you have 20 or 30 of your closest personal friends on -- gerri: put your friends at risk. i heard a great story about this today, somebody told me they had a deck collapse at their house right? in the middle of a party. they just kept partying. [laughter] >> good for them. gerri: let's talk about warning signs because you can tell if something bad's going to happen. >> the most common way is when the ledger board separates from the house the beam that connects the deck to the house. that's just nailed it's not enough. you need to use bolts on something like that, but that's the weak point. as a consumer, there are really five things you can check for. the first one is missing connections or lose connectors. if you see -- gerri: does that mean screws?

>> well, it could be the stairs, the railings, the beams. if they're loose, that's a problem. the second thing is missing connectors, because when you put the floor joist together, you have to use brackets and these brackets tie all these pieces together and stand up to that kind of breeze. gerri: let me ask you about this because sometimes you see the metal pieces, they're falling apart. >> yeah, corrosion. you know why that is? the pressure-treated lumbar we are has -- lumber has a corrosive effect on the opinioners. you have the -- fasteners. if you see corrosion, that's a big problem. another one, of course, is rot. rot is just everywhere when it comes to wood components. if you can stick a screwdriver in it or something like that that's a problem. and, of course cracked beams. if you see cracks in the railings the post u they need to be replaced. gerri: i'm wondering was you are a -- because you are a former home inspector, should you have these things inspected? still my house

i'm not buying a new house but should i bring in an inspector? >> i think it's a great idea to have a home inspector every five years or so. when it comes to the deck, the trained eye of the inspector can spot these problems way before you can. i can give you tip but an inspector's going to see a lot more than that. gerri: well okay. how do i test it myself though, if i'm concerned and i don't want to spend $300 or $400 for an inspector? >> those things are things you should look for, missing connectors, that sort of five-point inspection. gerri: materials that are more heavy duty line you say pressure-treated wood but aren't there other therls that are better? >> composites are far better for the decking surfaces, the railings and the boards. i mean, a lot of people don't like the splinters that happen, so i think composites are good. pressure treated is still the right choice for the structure. you just need the right fasteners so they're not going to rust away. gerri: we had such a bad winter.

>> we did. gerri: it's all that much important -- >> if you think about it that snow was very heavy. it almost weighs as much as water. all of that water, all of that ice, all of that salt on -- gerri: freezes, it expands. >> exactly. it really can put a lot of stress on them, so you need to do that inspection now before you start using that deck every day. gerri: before you put your kids on it. >> get it checked out. gerri: tom, thank you. >> you're welcome. gerri: and still to come, she's one of the give and has a new -- the five and has a new book out. kimberly guilfoyle will join me after the break.

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gerri: you'll enjoy watching my next guest on fox news as the vivacious and outspoken host of the hit show the five and outnumbered. "making the case," kimberly guilfoyle, she wants to pay it forward by sharing advice with everybody. joining me now kimberly guilfoyle. i'm so excited about this book. >> i appreciate that. and you've always been so supportive of me and my career and always having me on so i greatly appreciate that. women helping other women. gerri: i love it. here's the thing that blew away you seem so happy and upbeat. you're making jokes all the time. you've faced some real bobss. -- obstaclings. >> and i thought that was important. if people are going to informs their time energy and hard-earned money, make it worth it. so i said kimberly some of this may be uncomfortable but if they can benefit from the really tough things i went through in my life, i hope that it'll help them. maybe i've done some good.

because i've been able to get to where i am today by people mentoring me by people sharing the good and the tough times with me. so here i am to do it and pay it forward like you said. gerri: you lost your parents at a very young age. tell us about that. >> my mother was diagnosed with leukemia when i was 9, she passed away when i was 11 my father died thanksgiving night about five years back, but it was very tough because we had a very small family. my dad was a single father, did a great job. that's a picture of him with my brother and i. gerri: what a cutie. >> yeah. i was a little girl. i had to really rely on that valuable time that i had with my mom and the impressions that she left on me that indell can bl imprint of having good character and integrity and making this life not about you. and then my father, living a life with no regrets, meaning give it your best every day. and i had great pride in my work at a delicatessen, i worked in a clothing store -- gerri: you in a deli? >> yeah, it was one of my

favorite jobs. i was manager of a delicatessen. i have an obscene relationship with salami. [laughter] literally when i was a little girl and went back to ireland at 5, i packed a big thing of salami in my suitcase. so it was the best job for me. i loved making sandwiches, and i wanted to earn the extra money, so that's what i did. gerri: so funny. let's get down to some brass taxes about advice what's the best advice you've ever gotten? >> the best advice i would say would have to be from my father. don't be afraid to ask for what you want. to be able to articulate get in front of somebody. he says you can't be afraid of a no meaning i may ask you to come on your show, and worst thing that can happen is you tell me no, right? but i've lost if i haven't even put myself out there. so don't be afraid to be a little bit vulnerable, to show your eagerness and enthusiasm. and i believe oftentimes it will be rewarded. people really see when you're authentic, genuine --

gerri: totally true. >> yeah absolutely. gerri: is people know. >> so if you're going for a job interview, i tell people be very prepared if you want to get hired, let them know that's your first choice. make sure you dress the part that you look professional. when i was trying cases, you might have seen me look a little different. i had my glasses on, my hair tied back, some pearl high neck. gerri: i can't imagine it. [laughter] >> a little different. gerri: a lot of people don't know you paid your way through law school. so tell me about that. >> well, had to move on from the deli job but i was happy to have that job. i was making $6 an hour, because i was manager. at the time, it was great. and then i got discovered when i was working at my other job by someone whose daughter was modeling for a company owned by the ford agency. i started doing beauty fashion -- gerri: look at that. >> lingerie, if you're into cats. [laughter] gerri: look at you. >> yeah. that was a little bit more innocent, so that was nice. but that paid very very good money something my dad

supported me in. i wouldn't have done anything that was a disappointment to my mother or my father. to this day, i won't do anything that the next morning they tell meow will regret. gerri: i want more advice on two topics. one divorce. the other, real estate. >> divorce can be pleasant. i mean -- [laughter] as bad as it is, you can learn and grow. you can learn more about yourself for what you need to work on, and you can have a great relationship with your ex. i know, i've done it twice. now, i would like to, you know get married again. i believe in great love so that's my, kind of my nature. i'm a very warm, affectionate person and a pisces, but i have a great relationship with gavin, lieutenant governor of california. we keep in close contact and i co-parent really well with my ex-husband eric who is my son's father. so we get along very very well. gerri: you make it work. >> and we actually communicate and get along better now than when we were married. gerri: wow. >> we've learned the language.

gerri: your last thought on real estate. a lot of people out there are thinking about buying. >> listen, i'm big on real estate. people call me mini trump. so because i love to get places that need some extra love and care fix 'em up and then sell them. maybe live in them for a while, and i've done very well with that. i'm currently remodeling an apartment on the upper west side in new york, which is really exciting. and i've done this on my own with very little money to make the investment starting out, but sometimes that's all it takes, especially with some of the loans that are out there. i'm not afraid of some of these variable rate if you're going to take something, you know you're going to sell it and you're in a good market like new york to take five-year interest-only and that sort of thing. but there's a lot of options, so do your research. gerri: before you go, i just want to mention the book is number one on amazon right now in the personal finance category. >> yes. gerri: i believe number 13 overall, that's huge. >> and amazon so that's fantastic. we're loving it harpercollins.com. it sold out on barnes & noble

today on fifth avenue. gerri: love it. "making the case. how to be your own best advocate." kimberly guilfoyle so good to see you. >> thank you my friend. gerri: a new study shows consumers to be careful about genetic testing, saying errors have been discovered. would you get a genetic test? here's what some of you are tweeting me tonight. rick writes: no way, because it could cause undue worry that is often inaccurate. i'm let the genes fall where they may. i'll let the genes fall where they may. they usually fall on the floor in my house. on facebook a different rick posts: no, life is just dicey. and lynn saw days -- linda says: when i'm 100. in addition to following me on twitter and facebook like fox business on facebook. and here are some of your e-mails answering a recent question, have you smoked? dennis from michigan says never smoked in my life. a couple of relatives have died where smoking was a factor in their death. good decision, dennis. and bill from kansas writes: i

quit in 1977 and never smoked again. i wasn't easy, but i went cold turkey and haven't smoked since. i'm 68 now. well, you can thank quitting smoking. and here's lynn from maine: i smoked for about eight years and quit, having smoked in 35 years. yes, it can be done. would you take a genetic test? our question of the day. you are looking at two airplane fuel gauges. can you spot the difference? no? you can't see that? alright, let's take a look.

the one on the right just used 1% less fuel than the one on the left. now, to an airline a 1% difference could save enough fuel to power hundreds of flights around the world. hey, look at that. pyramids. so you see, two things that are exactly the same have never been more different. ge software. get connected. get insights. get optimized.

gerri: our poll question tonight, would you take a genetic test? we asked it on gerriwillis.com. 37% of you said yes 63% said no. interesting. and finally this hour, a husband and wife from michigan each got a hole in one on the same hole. tony and janet blundy look at them, edge meadows golf course on the 16th hole. two golfers who were not acquainted with couple confirmed the feat. according to the national hole in one association -- yes, there is one -- the odds of two amateur golfers getting a hole in one on the same round, 26

million to 1. that's it for tonight's willis report. thanks for joining us. "making money" with charles payne is coming up next, you'll enjoy it. have a great night we'll see you tomorrow. ♪ ♪ charles: profits versus political correctness and political madness. when addressing questions on why exxonmobil has refused to invest in renewable energy or research the impact of fracking on climate change ceo rex tillerson had to say: charles: now, earlier this week, though, it was a different story. abbott labs maker similar lack, announced it would no longerer use gmos in its baby formula and look at this. more and more companies are acing we're going to do the right thing. spam doesn't last for three decades, what are you going to use for currency when the world goes all to hell? never mind that though. bowing to political