veronica daguerre, "wall street journal" columnist and our own adam shapiro.yh, there is debate on homeland security between president and congress now, whether that is playing a role, the bush administration is was often accused of. that is that what the obama administration is doing now? >> david, it is not unknown that sort of thing has taken place in the past. i doubt if that is the case here. the reason for that, al-shabaab, the group that issued this threat, has taken some real hits in somalia. we've taken out some of their top operatives. my guess this is their attempt to look like they're relevant, still a player. it is unrelated to our domestic politics. david: veronica, the question is whether americans will defy the threat to go out to the malls? malls are hurting particularly after this bad winter. >> retailers have had especially tough winter. cold weather with the ports out in california. so much pressure on sales. not to mention people haven't seen wage growth. they have haven't been so inclined to spend their money from all the gas taxes, credi

with us ed butowsky, managing director of chatwood investments and veronica daguerre from the "wall streetournal" welcome to you both. veronica, i will start with you, why do people typically want to switch? why do they want to leave their fa? >> also because that person doesn't call them back. that is one of the big reasons. they don't feel like they're communicating. a few other reasons as well. they might like the person and see that person is giving them same generic advice they could get by doing a google search. what am i paying for if i can do this myself? gerri: i have to bring you in here ed. reality a lot of us feel like, my savings are not doing as well as market. what's wrong? but the devil is in the details right, ed? my entire portfolio will not always get stock market returns because it is not always in stocks. do you think people overlook details here? >> a lot of advisors dumb things down to get through meeting. in reality when i look my client in the eye, do you know what rate of return you need so you don't lose purchasing power based on what you do in your life-style? i

veronica daguerre, "wall street journal." liz: thank for joining us. "the willis report" is next. gerri: hello, everybody, i'm gerri willis. this is "the willis report," the show where consumers are our business. gas prices are shooting up again. we'll investigate why drivers are paying more and how high these prices may go. >> horrible. >> gerri: deep freeze. winter storm alerts across 14 states. temperatures plunge again. >> national weather service says temperatures are 25 to 30 degrees below normal for much of the country. >> the consumers hit for judgments for debt that isn't theirs. what is going on? clark howard is here to explain. >>> a huge step learning about your health. the feds reverse course, giving go ahead for first ever at home dna testing. >>> if you love bacon, little caesar's is here to unveil bacon wrapped crust pizza. >> watched with bacon it has so much bacon you won't know how to hold it. like that. >> all that and more coming up on "the willis report" where consumers are our business. ♪ gerri: want more money in your retirement account? the government says