gerri: you have put it to gather. but now look at tind 401k pla in the cotry is the nfl career savings an. how did that happ? >> they're highly paid when you see a very distinct employees that oftentimes the comny is is a device to contribute more on behalf of ththose employees becse th do not want lose them. in this case. gerri: and uned airl pilots are southwest pilots that are well paid have good compensation of packages what was the savings plan and udi arabia of oil? thatwas another pan that was incredibly generous. they just love the company because they say it does a lot including putting a ton ofoney in that has been on the list i think every year since we started five years ago. then they decided to be so generous. %-those other plants.ut was there any surprises of companies that you expected to have good plans but were not sogerous? >> i have been watching apple for several years it a great company if you just held the stock for yourself you made money but the benefit will come in the form of other things outside of the tirem

gerri: i like playing with pretax dollars. if you get a bonus don't take it on christmas day. wait until to refers to tit into the nextyear. >> is a with deductions move those in to a 2013 for the immediate benefit. gerri: a lot of changes mi. ank you for coming on. merry christmas. for more last-minute tipsto and on wednesday, a christmas day user's guide to taxes everything you need to know not all 401k programs are created eql you're looking well for you and your buddy some of the best on the market. [ male annouer ] how can por consumption in china, impact woolxports from new zealand, textile production in spain, and the use of medical technology in the u.s.? at t. rowe price, we understand the connections of a complex, global economy. it's jusone reason over 70% of our mutual funds beat their0-year lipper average t. rowe price. invest with confidence. with investment information, risks, fees and expenses to read and consider carefully before investing. hmm. mm-hmm. [ engine rev] ♪ [ male announcer ] oh what fun it ito ride. gethe mercedes-benz on your wish list at t winter event going on now -- bu

and some are extending free shipping as late as t 23rd with free shipping or expeted shipping. gerrilue? >> they guarantee. is crazy a phenomel number because they know that people are shopping online and waiting and procrastinating. gerri: they're up against problems a srter holiday. >> losing 1.5 billion because of that. gerri: retailers have been so aggressive but what is interesting is they don't get the sales they expected even with this craziness. >> table get some traffic the days ahead are the busiest shoppg days as we go into next week it gets busy and saturday, but tomorrow is generally very busy so i think they will get the traffic b overall sales will be up three or 4% which is okay. you think it would be better >> with said gdp report he woulthink people would be more extended. >> that they are tired of the discounts. >> they are used to free shipping something exclusive something not going out to every tom dick and harry we are provided with text messages total craziness. gerri: get a less than stick to window go further. americans were criticized for consumer oriented

gerri: all right. tou know, interesting, mattie, maryland, there is now a millionaire's tax increase from 5.5%, to 6.25%. this is the president's fight. we'll make the rich people pay. they're not paying enough. they need to pay more. is this going to catch on? >> well, we'll see. marylander is an entirely different beast, they have not only a millionaire's tax hike, they have a sales tax hike, gas tax hike. theyve have a tax on rain watern maryland. gerri: what? what? >> they have a tax on depending how big your roof is on your house the rain running off of it apparently is taxable and ability to flush the toilet and septics tanks. gerri: making my head hurt. >> if you live in the d.c. area, don't move to maryland. district might be better for auguste that is saying something. pete, i want to talk about property taxes. >> yes. gerri: we took a look at some numbers. second quarter, u.s. property tax collections were $374 billion. that is one quarter. think about that. that is a lot of money. people are s

t. j. max gerri: this is a different case real world theft n online. >> but these magnetic cards in existence ever. would think with this particular point thpoint i try to make is th aspect has had stakes iother situations there is settlements because this offer issues are known these are not new problems. >> i gave you that but with dollarand cents in front of a jury or judge for damages you really have damages wn everything is paid for? >> tt is a problem. >> but the person in the street yes the fraudulent charges may be paid by somebody ails the la payment fees what about overdraft protection or identity theft? >> i agree with all of that. >> i completely agree but in the court of loss. -- court of law. i agree. i lve to shop there but now claims scared. but they say we take care of all of that then there is nothing to argue about. >>ut they don't. >> the will. >> other retailers there was $7 million worth of damages with 40,000 class members they got what it is $75 each gerri: the reality is this is unacceptable thh is their responsibility. let's talk about this what is valuable? is that

gerri: to have another recommendation?t >> i a a jazz did or. >> -- iahs.org at. ri: vicki cooper called it is possible and do movies are out this season to anything mean any more? is a really pg-13? just by talking to a helmet. it grabbed the patient's record before we even picked himp. it found out the doctor we needed was at st. anne's. wiggle youroes. [ driver ] and it got his okay on treatment from miles away. it even pulled strings with the stoplights. my ambulance talks with smoke alarms and pilots and adiums. but, of course, 's a good listener too. [ female announcer ] today cisco is connecting the internet of everything. so everything works like never before. [ engine revs ] ♪ ♪ [ male announcer ] the mercedes-benz winter event is back, with thperfect vehicle that's just right r you, no matter which list you'ren. [ santa ] , ho, ho, ho! [ male announcer ] get the all-new 2014 cla250 starting at just $29,900. gerri: is the tea s.a. becoming the new nsa? according to the "new york times" to speed up securityyo checkpoints the gsa coming on dash is coming thr

gerri: to have another recommendation?t >> i a a jazz did or. >> -- iahs.org at. anything mean any more? is a really pg-13? was to be far was to be far no cutting in line... play by the rules play by the rules don't pick on the little kids it's important. it's the right thing to do it helps create the world we want to live in well.... there's something i need to tell you kids aren't the only ones that should be fair... mommy's and daddy's should be that way, too. every time you go to the store you have a chance to be fair... to do the right thing to make a difference in someone else's life it's easy it's not expensive and it makes a huge difference. just look for the fair trade certified label on products in the grocery store it means that farmers are getting a fair deal ... that their kids get to stay in school... that they can look forward to a brighter future and we're getting great products that were grown with care now that's fair it's good for our family... it's good for our neighborhood it's good for the whole world. buy fair. be fair. visit befair.org to l

t. ♪ ♪ gerri: hello, everybody.erri willis, and welco to a special edition of "the willis report." if you bought something this holiday season that you are rethinking or already know that somebody will want to return it to me how you do that? personal finance expert very gibbons joins me now.i here is what typically happens. a lot of markdowns. i am worried their return al policies will be tougher thaneto ever.ugher th >> this is when you have the ee extended policy.h, but they give you a longer time in which to makeheir return.until e end of january to r amazon, until the end of january. gerri: so if you didn't send it across the countryetur. >> they try to be a little morey generous, but you do have to beo help us to. >> guesstimate you try to be a little bit more generous. staples gives 15 extra days, target is 45 days, you may have a short window for the electric returns the. gerri: at the end of the day when we are talking about the retailers who are most persnickety aboutaking things back. >> this is a 9 billi

gerri: to have another recommendation?t >> i a a jazz did or. >> -- iahs.org at. oper called it is possible and do movies are out this season to anything mean any more? is a really pg-13? ♪ wow...look at you. i've always tried to give it my best shot. these days i'm living with a higher risk of stroke due to afib, a type of irregular heartbeat, not caused by a heart valve problem. at first, i took warfarin, but i wondered, "could i up my game?" my doctor told me about eliquis. and three important reasons to take eliquis instead. one, in a clinical trial, eliquis was proven to reduce the risk of stroke better than warfarin. two, eliquis had less major bleeding than warfarin. and three... unlike warfarin, there's no routine blood testing. [ male announcer ] don't stop taking eliquis unless your doctor tells you to, as stopping increases your risk of having a stroke. eliquis can cause serious and in rare cases fatal bleeding. don't take eliquis ifyou have an artificial heart valve abnormal bleing. while taking eliquis, yomay bruise more easily and it m take longer tha

t. ♪ ♪ gerri: hello, everybody.ecial edition of "the willis report." if you bought something this holiday season that you are rethinking or already know that somebody will want to return it to me how you do that? personal finance expert very gibbons joins me now.i here is what typically happens. a lot of markdowns. i am worried their return al policies will be tougher thaneto ever.ugher th >> this is when you have the ee extended policy.h, but they give you a longer t

gerri: of theseompanies that people will be publicly advertising? the new rus coming up from tt's a good question. there's a lotf uncertainty. more of a cwd funding fashion. i think most of these things in and near term will still be done more private than just advertised on line as a public investment. but over time it remains to be seen and that changes. gerri: thank you for coming on. i hope you'll c gerri: thank you. coming up, why braiding your marriage may help you get that true sense of your relationship. you won't want to mess that. getting your home ready for the new year. ♪ [ male announr ] this store knows how to handle a saturday crowd. ♪ [ male announcer ] the parking lot helps by letting us know who's coming. the carts keep everyone on the right track. the power tools iroduce themselves. all the bits and bus keep themselves stocked. and the doors en handle the checkout so we can work on at thing that's stuck in the thing. [ female announcer ] today, cisco is connecting the internet of everything. so everyone goes home happ gerri: are you looki to put our hon thear

gerri: that is amazing, and reminds me of the housing problem. we could have bought everyone out of of their most gangs efficient same moment we spent on -- most gangs for same mome t of mey. this is the mistake this adminiration keeps making over and over again, throwing tax dollars is not solving it. >>hank you. gerri: unbelieveable, right, own carry mess goes on. and now more disturbing news for your healthy, fda warning some defidefibrillators made by phils medamedical system may fail. i have to tell you, i think this story is appalling, so many machines and only now federal government waking up saying we need to fix it, get out tell people that machine macs may not work. they may be -- you may be having a heart attack, it supplies to you, you are not rsus started. where is the government been? what about something simple like this. >> you know, interestingly, fda just this year, finally passed new legislation that they will regulate deeibrillators like other medical devices, however all tse bits and pieces are just now coming together, over 400,000 americans die suddenly every year, that is more than all types of cancers combined, if you have a defibrillate or

gerri: i have plenty of stats for that. t let me show you this.ve countries scored higher, science, 27 scored higher, reading, 23 scored higher. lately some of the countries that are ahead of us. vietnam, ireland, poland, at the end of the day, if you don't agree with the numbers, do they tell a broad story that is basically accurate? >>well, in genel, it's a legitimate test. the problem is we are going to get all upset about these outcomes and the part of the reason that people ce is because they are telling us something about the productivity of the next generation of workers and says that her students are not going to be competitive five years down the road when i finished college were when they go into the workforce. but we have had a level of literacy in the unit states it is actually okay. but what we really have to worry about is the kind ofthings that will happen to the the students when they get into the economy. gerri: you make a good point and you talk about the productivity of the students on what i'm worried about is the productivity

start a t-free business at startup-ny.com. gerri up homebuyers get read tea pay mored in the new more in the new year, with fees for those without a perfect credit score or a large down payment. so could this move backfire and hurt the economy? joining me now "wall street journal" journal reporter nick, great to you have show, government putting a top spin on this by raising fees. >> have you federal reserve gone you know buyiig up millions in mortgage securities to keep rates now, now fannie and freddie monday night, really the direction of regulator say we want to increase certainties to raise mortgage races, we want to reduce footprint of companies in market. >> talk about how much it would raise costs. >> it depends on your credit score and down payment level you have. so really the hill consumers with -- hit consumer with score between 680, and 760, they are good but not perfect. you are looking for up-front fee that could amount to a quarter point increase in your mortgage rate. gerri: we worked up one. ffees were up 2% of the

choices in terms of shopping, but right now, the consumer is still going to get out t there and spend, but on-line. gerri >> i agree, based on expe exper. i will say those with money in savings are going to spend. gerri: jeff? >> i agree too. look at all these people, black friday, rushing to walmart, and killing people for some cheap chinese tv. gerri: sales were down. >> you have to look at the big picture, befor black friday you can thanksgiving sales that could have cut into that, and cyber monday, we need today's numbers. and also consider, wre in a different time, internet allow us to buy our goods later three days before christmas i'm bing gifts because i can. >> all right, great job, great conversation thank you so much jeff, frank, and hillary. time for a look at stories you are clicking on, on fox business.com, shoppers spent less over thanksgiving weekend, stocks feeling the pinch. many retail stocks in the red, major indexes lower, on-line shoppers may soon have to pay the taxman in some spates. this means stes will soon start collecting internet sales taxes, fast-food workers, will walk out

gerri: grover, thanks for coming on the show tonight, we appreciate your time. now we want to know what you think. here's our question tonight, when it comes tx dollars, are they working, or are they being wasted? log on to gerri willis.com, a i'll share the results at the en of tonight's show. >>> coming up at the bottom of the hour, we have a special call-in show where our panel of experts will answer your tax questions with. you want to sound off, you have a question, we want to hear from you. so we'll get your calls in about 20 minutes from now. >>> when we come back, a major fight brewing in san diego as a landmark is being taken down because of the good old separation of church and state. and the white house putting more pressure on insurers to make up for their obamacare mistakes. the ceo of e-health joins me with his take, cong up. ♪ ♪ gerri: another obamacare deadline chany the white house. the obama administration requiring insurers, get this, to allow enrollees who pay their first month's premium by december 31st to be given coverage starting january 1st, insurance industry.train on the with more on this, gary lauer, the ceo of e-

t's highly likely that it needs to be checked and possibly replaced. you can find atechnician can do it for you at a reasonable price. >> synthetic oil, it absolutely the wisest hoice. gerriere's a lot of fluids. going out to start the car in the morning, 6 inches of snow on the ground and the car is not starting. >> that is a big headache that you will have. and so the last few times, now is the time for you to get your battery replaced and here's a tip to save a little bit of money. by the battery and you can get it replaced for free. gerri: a lot ofit is really mplicated these days because there's all of these electronic components. one thing that is critical is the indshield wipers. they always get broken and messed up and you have to be careful about hat. >> that's right, 80% of your driving decisions are based on your driving dcisions. you don't see all the moving components. the best ways you can get, and the auto parts store will do this for free. the white eadlights look a little bright, those are truly the best headlights. gerri: i hate that and you lso say invest in winter tires. >> it makes sense to invest in a good set of winter tires. i'm not talking about t

t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. gerriquestion on gerriwillis.com, is it fair? beshear on to logon for your online question every weekday and finally, it is a heartwarming giveaway that has gone viral. nineteen hidden cameras so take a look at these pictures. lo and behold, their wishes were granted just a few hours later. giftwrapped on the carousel, it was unusual. a marketing gimmick, no doubt about it. but isn't it time for companies just to be a little bit nicer to us? and how much goodwill could consumer product companies by by offering a give away to needy families or advertising clearly about the products? is the real deal on these deals? many companies have rigorous charitable programs and what about treating consumers a little bit less like the enemy and more like valued clients? american families are still feeling the tension and the american middle class is still under assault and it's a topic that we also discussed here tonight. maybe it is time for all of us to be a little bit nicer. more decking the halls to

t structure they have this is. they did not know about the weakness obviously beforehand or they would not have had to find out from outside sources. gerriink we have to talk a little bit about this is so one usual and bizarre. the secret service may launch an investigation. the federal trade commission will investigate. there will be a lot of probes, and this comes to a bad time for target. the earnings have not been that great lately. you know, this will cause people to trust them less. do you think trust is a big issue? >> there is no question. i mean, the cost of this, you know, repairing a breach number one, but the loss of that customer loyalty and trust will cost them so much more than that tiny, tiny amount it would have cost to avoid it in the first place. that is what these companies always learn, but they learned after they have been breached rather than stopping it up from. gerri: i want to quickly go through your tips for what to do. target once you to call them, and i think we have been running their number at the bottom of the screen all through this thing so that you can give them a jingle. we have someone tweet me saying

t. rowe price. vest with confidence. equest a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. gerri to listen. it is a heads up to small investors. tax trap is set at year's end that could change the way you invest. our panel of experts is you with answers. jimmy connors, marketing partner at here is financial, dan schaefer, ceo of schieffer asset manager and author of the book you can never be too rich. welcome. i will start with you. year-end distributions for mutual funds could get ugly for some people. what can we expect? >> if you try to buy before they made their distributions or go ex-dividend which means after the make the distributions will basically be paying tax on earnings from the fund that took place during the previous year dating back. so if you're not an investor in did not take advantage of the fund could be down and you would still have the capital gain distribution. gerri: what is your advice? some people out there right now are trying to buy funds. you certainly would not want to buy one of these right now and then take a taxi when you have not done that the ent

t this year. let's get right down to it. amazon is not a good guy it year. why? >> their policy got them on the naughty list this year, gerriwas their, they have raised the requirement for super saver ship shipping on he will babble items by $10 to $35. this is the company, 11th largest retailer in the world, earned 61,000 -- $61 billion in sales. i think, one wonders why they raised it. but then again, it may encourage more people to purchase amazon prime which actually is a paid service, expedited shipping but $79 a year. gerri: they're trying to push us into that program probably. so best buy, the traders love this company. do you like it? >> well best buy is an interesting one this year because the electronics chain has a very stern warning for customers who plan to make a return. it is about their return policy. even if you have a receipt, you will need to present a photo i.d. and best buy, then retains the right to take the information from your i.d. and store it in its database to track future returns. gerri: oh. >> based on future return and exchange patterns, some customers will actually be warned, that they will n