installed. we are very close with the city of san jose in getting it installed. we are very excited. our vision and our mission began in 2008. i think we have moved along quite well for a small group. >> i know that in my father-in-law's case it took him 40 years to hear welcome home. have we paid enough tribute? >> i think this is a start. i think it needs to be ongoing and they need to be revered as heroes. this is just one other avenue where we can start the healing. >> and give us a number, if you will, how many sons of san jose are there? san jose high school you can't get more san jose than that? >> there are 142 names on the wall. and it is pretty evident when you look at the names without promoting it it is pretty

evident that well over 40% are latinos. it is a hidden agenda that keeps us driven to finish this project and get it installed. w every ethnic group is represented and all armed forces are represented, as well. >> what does say about the courage and valor of the men who served in vietnam from this area? >> they went to that war with full honor. they went to fight for their country. and everyone forgets that they had hopes and dreams and a whole life that they were looking forward to and they didn't get to come home. so their families are as deserving of this wall to come and memorialize them as heroes. >> how do you speak without getting choked up? >> it is hard. it is difficult because when i think about the young men that went over there, 18, 19, 21 years. they are babies.

they had a whole life ahead of them and it got cut short. >> they are holding a special fundraising dance for this great event that is happening. tell us when it is happening. >> it is with the band mystique february 18. we want it there was that is where we used to go when we were 19 years old to dance and have a wonderful time. we are looking forward to it. every penny raised at this dance will go to the monument. >> we'll be back and speak with the architect of this great itmorial when we continue

when my father-in-law read

the blog he asked why i call them heroes. he said the real heroes are the ones on that wul. what is your take on that attitude? the fact that they don't want any of the credit because the real heroes are the ones on that wall? >> the real heroes, the ones on the wall are the heroes. the ones that gave their life in the name of freedom, the ones who stepped forward. they enlisted, got drafted, all ethnic groups. they went forward and fought the war. they didn't survive that war and never came home. those are the true heroes, the ones that gave up their tomorrows for our todays. >> the arct tewhat made them sa this? >> there was no hesitation. i was contacted from mike.

it is a long story how we know each other and introduced me to the foundation and explained what they were trying to do. i was more than happy to jump in. it was a great opportunity to put my marker or my contribution to serving the country and putting this great monument out there for the public. >> we all know the emotions of the folks who go to the wall in washington, d.c. what do you want folks to go home with? >> the ability to have a nice place to pause and reflect on the names and really think about the sacrifice that those families gave with their children and that. there hasn't been a place in san jose for these families to do that. so i think at the end of the day i think that's really what we would like to do is have that location for them to really find a place that they can come back in remembererance and closure. >> and the city has been in full support of the project in. >> they have been. it has been a long process.

we had to go through and actually revise the city's monument policy to get this approved. that was a long hurdle to get through. and then now we are just working really with the different departments, parks and recand public works on finalizing the agreements and plan checking. we are looking for the march council hearing for our final approval. >> i guess this is the magic number that you all are look frmpth ing for. $100,000 is what we are looking for. that is what we still need. >> we are fundraising. we have a great contractor community and a lot of donations have been made. a lot of the consulting community has stepped forward to do this on a pro bono basis but there are costs along the way. >> we are also fundraising in a fun way. we have a dance on february 18

with mystique. it will be the hottest ticket in town and we have a golf tournament august 6 which we have had an overwhelming response from the community. we can't say enough and give enough thanks to those people who have supported us. >> how exciting is this for you? >> it is very exciting. i'm thrilled. we're etching on 142 names on this wall but we are also going to walk away with a feeling, an unselfish feeling inside that we were able to make a difference and give back. those families are going to have closure and know that their sons and daughters did not die in vein. >> this for the two wars that we were atnd are at right now. what is your feeling when you see a house with the gold star in front? >> with the gold star it means

they lost somebody in battle. we give tribute during the ceremony. we perform a ceremony at our events called the missing warrior ceremony. we give special tribute during that ceremony to all the veterans from wars but also to the mothers and loved ones and wives that have to stay home and spend those trying days by themselves in prayer and not knowing whether their loved one is coming back or not. we make sure that the mothers are always talked about and the wives. >> any final thoughts on your project here? >> we are looking forward for that ribbon cutting that you had mentioned. i think that will be broadcast to the community. we would love a full show of support. >> final thoughts? >> final thoughts? only again none of this could be possible without everybody out

there supporting us. we're doing this for you. and by golly when this monument is constructed everybody wins. everybody is going to win. >> when you first brought it up it seemed like a distant dream but this is about to happen. >> this is real. we are going to memorialize our friends. >> there is a golf tournament on august 6. the upcoming dance february 18 on the ies hall. there is the web address for more information. sj war memorial.com. thank you for the work you are doing and we'll see you at the ribbon cutting. here is our address for next week's birthdays. drop us an e-mail if you have important news for the show. also pick up a copy of our newspaper and support your bilingual weeklies.

we thank you for sharing a part of your sunday with us once again. have a good afternoon. -dad, why are you getting that? -that's my cereal. is there a prize in there? oh, there's a prize, all right. is it a robot? no. is it a jet plane? nope. is it a dinosaur?] [ male announcer ] inside every box of heart healthy cheerios are those great tasting little o's made from carefully selected oats that c help lower cholesterol. stickers? uh-uh. a superhero? ♪ kinda. [ male announcer ] and we think that's the best prize of all. ♪

say you have a hip replacement and you pay for the workup of the hip remacement and the surgeon separately, the anesthesiologist separately the hospital room and hospital stay and post rehabi put it in to on you measure the quality and you let the hospital, with the doctors try to figure out how to deliver it more efficiently. we have done experiments on that and it improved quality and

reduced costs. >> i'm glad you brought this up, bundling. this is something that came up in a conversation this week that i had with the head of a major with hospital and they said where is the evidence that the afford able care act and delivery pay models like bundling are going to impact costs, cut costs? >> so on the bundling, as the congressional budget office showed, that does -- there's been a lot of experiments with that at medicare. there are reductions. as a matter of fact, medicare is now running what is called the ace demo, acute care episodes demo where they are bundling 29 separate cardiac procedures like bypass surgery, pacemakers and eight orthopedic procedures. my complaint is they are only doing it in 11 hospitals. i they is ready for primetime where we have evidence that it improves quality and reduces cost 5 to 10%. i think that is actually the big challenge of the system.

implementing things that have been shown in small scale to work. >> let me switch gears and ask you from the patient side of things. you worked on the president's health care reform agenda for two years. what do you think the most important thing, the average patient out this, does not know about how the reform will be impacting their care and coverage? >> i think by 2020, care for all americans will be substantially better because of the affordable care act. first, by 2020 we will have electronic health records that every doctor, hospital, health dare facility we go to will have access to that. it is a direct result of health care reform. it came in the recovery act. we will have better coordinated care. doctors will be working better with hospitals. fewer hospital acquired infections and other mistakes like drug interactions, falls in the hospital. we will have fewer hospital readmissions. so that when a patient is discharged, really better cared for. we with will have more information about what

interventions work, and which don't work and for which patients they are better. all of those will be a lot better for -- lead to better care for patients. i think the other thing you have to see is that the system is now going to focus on the sickest patients and ensuring they get the best quality care because that's where the money is. >> i have a push back on the price, the expense for companies. if this health care legislation is so positive in terms of really impacting costs, how come we see so many waivers? you are talking roughly 1200 companies have received waivers from participating in this health care reform. many of them employers of low-wage workers. hhs is estimating that is 4 million people actually. so these companies are ranging in size, not all small companies. mcdonald's, labor, teachers unions, they were allowed to the get a waiver from the legislation. so if companies and people can opt out of it, what is supposed

to be national reform? how can it work? >> 1200 companies is a small number of the millions of companies in the united states. if i have got it right, the waiver you are referring to on mcdonalds is a short-term waiver, not a long-term waiver that allows the transition to the full implementation in 2014. >> they were given -- >> more smoothly. >> they were given the waiver because they said, look, we are considering not offering health care benefits to our employees. that's not what the president wanted, companies saying it is too expensive. >> this is an effort on the administration to be more flexible in implementation to smooth the path to implementation. by 2014 we will have exchanges in place, subsidies for people who can't afford to buy insurance. there will be a mechanism. right now one of the problems in our system is we don't have a good mechanism for getting people pooled to get the cheapest price to make sure if they have a disease they are not

given an outright denial or a price they couldn't possibly afford. rather than jump in and say, we are only two years in to this and there are all of these issues -- i agree there are all of these issues, the right time to evaluate a change like this is not in two years. it's in ten years them real question the audience ought to ask themselves and businesses ought to ask themselves is in 2020 will we be at a better place? the alternative was not the greatest health care system in the world with no problems. it is a health care system with a lot of problem s, uncontrollable costs, quality that was very uneven and the affordable care act is not perfect but definitely a step in the right direction. >> your take on what is happening in the supreme court right now. if they rule against the mandate, against the mandate that individuals have to purchase insurance, how does that impact the rest of it? >> first of all, this is an open and shut legal case. talk to every constitutional lawyer. this is open and shut.

the commerce clause gives congress the pow er to regulate health insurance and the so-called necessary and proper clause which says congress can do whatever is necessary and proper to affect that clause says that congress can do this. it's quite clear that the mandate is necessary to get the exchanges working to get people who have preexist ing conditions insurance. the supreme court is going to rule it constitutional. i have two very large bets with billionaires that it will be constitutional. >> so you think -- i may be on the other side of that bet. how will premiums with or without subsidy relief going to stay afford able going forward for the average person? >> the only way premiums can stay affordable going forward is if health care costs moderate going forward and the only way for health care costs to moderate is to figure out better ways of delivering care that are cheaper and higher quality. that's why when we started this

discussion we started on bundling and affordable care organizations and so the public, if they really want their premiums to stay flat should say let's try different ways of paying doctors. that's important to my having a lower premium. >> we will be watching this. dr. ezekiel emanuel. great to have you yo on the program. >> great to be here. up next, mortgage rates lower than ever. is it a good time to refinance? we will have advic

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welcome back. the battered housing market has seen mortgage rates pushed to historic lows. is now the time to take advantage of those numbers and come out ahead of your bill? joining me now is "money" magazine donna rosato. mortgage rates are at unprecedented lows. what's going on in the mortgage market? >> that's right. the 30 year nixed rate is 4% and 15 year at 3%. those are amazing low rates. we are seeing more people take advantage of them. of course. something like 43% of people are refinancing in to shorter-term loans, 15 or 20 year loans the highest percentage since 2003. >> what's the refinance option? who's the refinancing option best for?

in that case let's go to a shorter maturation. who's this best for? >> if you move to a short-term loan, 15, 20 year loan you have a higher monthly payment. you need to make sure you can afford it. it is for someone later in their career, someone that can afford the higher rate. it is good for someone who wants to the stay in their home and pay it off. you will save tens of thousands of dollars over the life of the loan in interest. >> those are real, big numbers if you make the change. there are fees involved and so how complicated can this the get? >> it can be complicated. the big thing to know is you are paying more each month but you can get closer say if you want to do a 20 or 21, 22. you will pay more in fees but if you are looking to stay in the home for a long time or you want to retire in that home it's a great move to get rid of debt faster.

>> let me get your take on what the government did with revamping the home -- harp program. there this help underwater homeowners. >> people are saying it is h. a r.p. 2.0. 11 million people have not been able to refinance because they are under water and owe more on their mortgage than their home is worth. the program has been revamped so no matter highway underwater on your mortgage you can qualify for this. you have to be up to date on your payments and you have to have had to purchase the home before june 2009. >> so that's the date. you mentioned paying off the mortgage. what about paying a lump sum to get a lower rate? who is that appropriate for? >> say you don't have enough equity in your home. you know, lenders are strict requirements these days. they are looking for people who have 20, 20 0% in your home.

you may pay points. that is paying one or two percent in exchange for a lower rate. another thing you can do is a cash in refinancing. you go to the closing with some money to, your own money to pump up equity in your home and that way you can meet the equity threshold and have a shot at a lower rate. >> great to have you on the program. >> thank you, maria. >> always great to see you and hear your insights. donna rosato. up next we will look at the news that will have an impact on your money. and a sweating palms, aching head. how to tell if banking is bad for you. ♪

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for more on our show and our guests check out our website. hope you follow me on twitter and google+. look for @maria bartiromo. look at the market this week. monday is president's day. all u.s. markets are closed for the federal holiday. later in the week earning will be out from home depot, hewlett-packard and kraft foods the nation's realtors will report the number of existing homes sold in the last month and the number of new homes sold as well as the university of michigan east latest reading on consumer sentiment. finally today is the stress of working on wall street enough to make you sick? a business professor studied entry-level investment bankers for a decade and found that the

fast pace and long hours took a toll on their health. 8 to 120 hour workweeks survived for four years and for the bankers bodies turned antagon t antagonistic. every person observed developed a stress related physical illment, ranging from weight gain top heart palpitation and arthritis. maybe a case where hard work is not its own reward. thank you for joining me. next weeb hope you will will be here. we will talk to a doctor who says what we know about living healthy may be strong. keep it here for where wall street meets main street. see you next weekend.