joining me is fox business network jerry willis. >> let me get to it. should we stop using credit cards? >> yes. you have several options. a use more cash. not every family can do that. a lot of families bridge the car with cards. and use fewer credit cards. i had an expert say check your credit card every single day. if you have 15 it is hard to do. i got wind of the super chip and pin cards that will protect you more. >> explain that super pin and chip card that protect us. >> enb smart card and chip in pin and microchip embedded in the card and protects your permanent information. you know, we tock a look recently how many times your information flows through the system with one credit card purchase. 12 times. 12 people exchange your information. that is it a lot of opportunity for hackers go tote your stuff. >> this card, how dow get one of those? >> it is tough because it is not the rule. i beg my credit card issuer for one and i got one and not what everyone is doing. 2 billion to turn the whole country to chip and pin and they don't want to spend

. >> jerry willis. host of fox business network. >> i am good. hemmer. >> this is shocking. two-thirds of folks who tried to epiroll 2.2 million had coverage or recently had coverage. this comes as a shock. reason the administration's argument in getting the affordable care passed we have to help people. look at 48 million were deemed not to have health insurance and we could fix the problem and pass the law and get coverage to 25 million people. and in the end of the day, these numbers are coming from the private sector. these folks are seeing the result of obama care and seeing who is enrolling. it is people who had coverage or have coverage. it is a shock. >> why is it not hitting at least the minimum number? >> big conversation about that today. people are speculating. maybe the affordable care act is affordable only for people who have coverage. the deductibles are 5,006,000. and so there is a lot of out of pocket costs that you have to be able to afford. and a lot of people want that extra money for a subsidy. and your costs are highway, maybe it is more affordable and

the fox business network's jerri willis is with us. >> may not be the same hackers but the same softwareare, designed by a 17-year-old russian kid, and apparently a lot of these hackers come from russia. look at the gardner data. russia is the number one source for some of these cyberattacks and cyberhackers. >> off the shelf hardware and software? >> in stores, online that you and i would never see that are available to the hackers. they find this stuff. that stuff was online since the beginning of last year at the cost of $2,000. think of the millions millions d millions that stores and banks and consumers lose. >> how do we protect ourself? >> we found your information changes hands some 12 times in a routine credit card transsection. >> 12 times? >> so first, don't use a credit card. use cash. the deb -- debit card does not have the protections, and check your account. and an expert says check it daily, and that's a lot to do. i think people should have fewer cars, check and make sure nobody is using them right now. >> amex, visa, debit card. that's all you've need. >> you can do wit

log on to jerry willis -- gerriwillis.com. >>> one thing you can expect at the state of the union ishe new general motors sitting in the vip box giving the president the perfect opportunity how the bailout of gm was a success. he saved the car industry >>> joining us now a senior research fellow at regulatory policy at the heritage foundation. welcome to the show. it's great to have you here. i really think there's going to be a lot of bragging about bringing the auto industry back from the brink. do you agree? >> yes. it's going to be a celebration of, you know, -- they may take out the champagne and post gm right on the spot. but there's nothing to celebrate though. gerri: we lost $10 billion on the thing. how can you be happy on something that cost taxpayers $10 billion? >> this is like the person who goes to a casino and brags how much money they won and they lost more than they won. but i won at lot of money. [laughter] it's a ask. gerri: i can just hear the -- compare gm with ford. ford just reported earnings. they had $1.3 billion in earnings. this is one of the best years eve

jerry willis. thank you for being here. great information. the senate committee makes its conclusions on the benghazi attack. a movie mogul that thinks he will take out the nra with a movie. the "notable, quotables" that's next. we'll be right back. turn to the ah, actually i think my eyes might ha... next! digital insurance id cards. just a tap away on the geico app. could save you fifteen percent or more on car insurance. everybody knows that. well, did you know that when a tree falls in the forest and no one's around, it does make a sound? ohhh...ugh. geico. little help here. is a really big deal.u with aches, fever and chills- there's no such thing as a little flu. so why treat it like it's a little cold? there's something that works differently than over-the-counter remedies. prescription tamiflu attacks the flu virus at its source. so call your doctor right away. tamiflu treats the flu in people 2 weeks and older whose flu symptoms started within the last two days. before taking tamiflu tell your doctor if you're pregnant, nursing, have

. >>> so my friend, jerry willis over at the fox business news, came over and talked about the new year is my first tv job. >> that is so cute. >> and i mean, i didn't know what the hell i was doing. and the carjacking -- it was a carjacking, here i was covering it. so that is now posted -- that was tonight on her show, here at 6:00 p.m., now posted on our facebook page, which is facebook.com/thekellyfile. and there are thoughts on there how i changed my life and got to a very, very happy place. thank you, everybody for watching. this is "the kelly file." see you tomorrow. >>> and this is a fox news alert, the senate intelligence committee releases its explosive report about what the obama administration knew and when about the benghazi terror attack that left four americans dead back in september of 2012. the key finding, this tragic event was indeed preventible. and in just a few moments, senator marco rubio, a member of that committee will be here to weigh in on this revelation. but first, that is just part of what you can expect on tonight's jam-packed edition of "hannity". >> that

down in four or five years or something but, as you know, the politics got involved with jerry brown, our mayor, williehey wanted in mitigation. >> reporter: not to mention governor sha wachwarzenegger scrapping design plans at one point. there were five cities involved and a price tag that ballooned to five times the original zime estimate. but the bridge got done. consider the troubles faced by the golden gate bridge which was close to never seeing the light of day. rod deeradon names a few obstacles like lawsuit and money. >> the golden gate bridge in 1930 had 2,300 lawsuits against it. 2 stsht 2,300 lawsuits against it. >> compared to fewer than a dozen for high speed rail. then there's the cost. >> the price tag had gone up dramatically. couple hundred million dollars. goodness, a couple hundred million dollars. 1935, that was a few bucks. >> reporter: in today's money, the golden gate bridge would cost around $1.5 billion according to the bridge's highway and transportation district. high speed rail, estimates in current dollars are around $70 billion minimum. and here is where the difference bet

willie brown for months now. he insists and gets national attention every time he does it, that jerry brown is lining up to run fordent. i can't help on to laugh at that. >> i can't imagine. as far as the gubernatorial run, that looks like a done deal. >> who was the last guy we had as governor? >> arnold schwarzenegger. >> i remember. i had a bet with my producer at the time. i said it was not going to happen. >> there we go. >> and we'll be right back. ,,,, i remember the moment clearly. -i'll never forget that moment. woman: as long as i live. man: i realized, at that moment, when we first saw the damage, these people really needed us and i was going to make a difference, right here in my community. together with local responders, we cleared trees and collapsed walls. we had to get to the family trapped beneath. as a citizen-soldier, i made a difference. announcer: be there for your community, at nationalguard.com. morning. the time is _ _ _. good morning, i'm phil matie >>> welcome back to kpix 5 this morning. the time is 9:00. good morning, i'm phil matire. >> i'm anne makovec. we have a lot to talk about, in

willie brown. no stranger to budgets and joe garafoli. the first question is, how veal the budget? >> no, it's really a genuine budget. jerrywn is the kind of guy that doesn't like to repeat himself, supposedly, and he put it out there. he's made it in some detammy. he's designated the amount and categories. all that you can do is play around within the framework of his map. >> he's put fellow democrats on the defensive. they were hoping to spring back some of the programs that have been cut in the recreation and he's saying no dice? >> no. in fact, he's getting more love from republicans than the more liberal democrats and they saying come on. bring back the money for the social program. the republicans are like, you know, we like that rainy day fund, the go slow approach. >> and he knows the public justed to a lower level of expenditures. don't elevate it to the point you appear to be buying thrills. >> and he's running for re- election. >> he has to maintain he's the grownup in the room, push it back against the liberal democrats spending the money. >> joe, he's walking for re- election. he's not running. >> what exactly

that question to the insiders and former speaker willie brown and "san francisco chronicle" reporter yoga foley. >> it's really a genuine budget. jerry brown is the kind of guy that doesn't like to repeat himself supposedly and he has put it out there and made it in some detail and he's designated the amount and categories. all -- he can do is play around within the framework of his map. >> he's already put fellow democrats on the defensive. they were hoping to spring back some of the programs that have been cut in the recession and he's already saying no dice. >> in fact he's getting more love from republicans in the budget than from the more liberal democrats. the democrats are saying come on bring back the money for the social programs. the republicans are saying we kind of like that rainy day fund. >> he knows the public already adjusted to a lower level of expenditures. therefore don't elevate it to the point of which you appear to be buying frills. stay with basics. >> and he's running for re- election. he has to maintain that he's the grown up in the room. and pushing back against those liberal democrats that want to spend all

meantime host of the willis report on fox network very briefly because it looks like the president will speak right now, jerryconomically speaking what do you think of the plan? >> i'm not a fan. you can spend $750 in one community and not solve poverty. it's a big goal. the money against it isn't enough. >> take a break, we'll listen to president obama. >> sharing your story, just so poised. i know jeff is out there all excited and proud and i know your mom is proud. i know she is. she should be. you know, kiara and the rest of these young people grew up in a 97 square block section of harlem. it's a place where the odds used to be stacked against them every single day. even just graduating from high school was a challenge. with the help of some very dedicated results and a program caused harlem children's zone, they are right on track to go to college together. students, teachers, administrators, parents, community, they are changing the odds in this neighborhood. that's what we're here to talk about today. changing the odds for every american child so that no matter who they are, no matter where they are b

willie in louisiana. >> caller: hey, boo ya, cramer. >> hey man, what's up? >> caller: bw. >> refining? valero would be my second favorite. jerryyork. >> caller: halkin resources. >> we talked away from halkin. if you want the spec we've gone back to magnum hunter. let's go to chris in south carolina. >> caller: yes, yes, thank you very much for having me on. i love the show. the question i got for you, where do you see usg going in this upcoming year? >> i think it goes higher because i'm a big believer in housing part two. my charitable trust played it with masco. it's cheaper. let's go to pat in virginia. >> caller: hey, jim. i was just wondering what your thoughts were on a stock like nly. >> i walked away from annaly. i think that business model is no longer a great place to be and i don't know what they really have or are going to do as we get through the taper, so it's too hard for me. let's go to cole in iowa. >> caller: booyah, cramer. i bought your book "get rich carefully" and i absolutely love it. >> thank you. i know it just came out and a lot of people are tweeting me pictures of it. please do that. tweet me with

jerry brown doesn't have to worry. if he has two people he can play games with, one coming, one going, no power. >> would willie brown ever time? i don't think so. it's a chess game now, when people are thinking two, three steps ahead. >> how does it affect the lawmakerring, what you hear on the floor? >> they have to be aware of everything that goes on in the state. as steinberg says it's no longer a geographical thing. >> we lose in the new deal simply because symbolically the title is gone. can we get it back? i would seriously doubt it. >> it's such a messy game. what this means to all of us. we don't have any representative at the top of the legislature. does that matter to us in northern california? >> it does. in northern california, especially in the bay area, the ability to put leaders in place, whether it's nancy pelosi in washington or willie browns in the state level, because of money. >> what do you think we're going to miss out on then? >> we're going to find that we've always had this inordinate ability to get more money out of sacramento by our power rather than our population. like it or not a lot of the