tv The Willis Report FOX Business December 21, 2013 5:00am-6:01am EST
the willis report is next. >> hello. tonight on "the willis report." three days to go before the first obamacare debt by the white house changes the law again we have the latest in customers are screaming mad target is not doing more to help them after a data preach canconsumers be made whole? the second busiest shopping day of the season we will tell you where retailers are doing to get you in their store. we are watching out for you. tonight. "the willis report." gerri: the willis report
your show. your money. your voice. the government i backtracking as if things could not get any more confusing the administration into a canges the rules for consumers yet again days before the big deadline. todd miller at the erican enterprise institute joins us now. thank you fobeing with us. here is what they say if your health care insurance policy was canceled you can claim the hardship exemption not responsible for coming to terms to be the individual mandate. i thght this was the law of and we were all subject to obamacare now the government comes to terms that people cannot sign up for coverage? >> that was yesterday's law it is like the night at the
improv comedy keeps coming on but it is sad the policies are changed and revised i am looking for new announcements for christmas steve will probably have a new health care policy for other aspects. gerri: you're not seriously suggesting we will get more announcements? >> yes. this administration with its approach is like somebody who is behind on a very expensive loan normally the loan shark cuts of the thinkers a of the toes but the administration does it is self with those provisions that are no longer workable. gerri: so it is too late to but this idea the fantasy that somehow the obama will follow its own way?
i don't see that. >> correct. >> this is what hhs said. >> of the consumer believes the plan option is more expensive the and the canceled health insurance policy they could be eligible r catastrophic coverage for the hardship exemption. that is more expensive than obamacare coverage? really? >> it could be. the actual premiums would be loaded if they of the fully loaded policies you will not get any subsidies for the catastrophic coverage even if you bought it through the change. that is the difference from net cost but this backtracks that the coverage scheme, regulation, subsidies are not working and for the people who work their way through th web site
they are told thank you very much that we will let you off the hook. th is a bet -- a d headline. gerri: listening to what the president said. >> the basic structure of the law is working. you still have to laypeople that signed up those that rolled through in the first three weeks of december alone. gerri: what? really? i don't think that is true? >> note. they're all kinds of fake numbers the 2 million came from adding medicaid some could be bag and tank to work out the details ler it is fuzzy for those who
had gotten through these applications. remember last week's rule was you did not hve to pay for this insurance they will now cover you for a period of time but we will make it up later. these are people who did not complete the process but it is better on the state exchanges. gerri: we are running a list of delays. 24 that is what we calculated. 24 changes. that was to be the perfect solution cut the costing keep your door the world is your oyster now more people have lost insurance coverage take a look at these numbers. 365,000 cancellations cancellations, nearly 6 million. i see this as a tragedy for
the american people. >> it is an embarrassment. we cannot just make things up but it turns out that is what goes on. gerri: i agree. looking for word i am afraid to say 2014 wilbe its own problem looking for the who provide coverage it is more expensive and they get less options? >> not only led be higher or your doctor is not in the network and the first month in particular is a nightmare for matching up as opposed to what the paper work shows and whis holding the bag what is not regular reimbursement. >> that is scary. people are going to the doctor or dead hospitalto find out you don't have
coverage. thank you for coming on. it is a pleasure to see you. merry ristmas. >> un tell the next surprise >> we will have you back. now end exclusive update. target response to the williseport on the fallout of millions of customers impacted by that date a breach. we have co-founder and chairman of identity theft 911. great to have you. 40 million americans in the cross hairs facing what could be a financial loss or identity the we don't know. what do you make of it? >> el link him breath is still unknown. we just know they found out out, it wws revealed by some of the processors.
some people were notified by credit-card companies, a target made a statement we still try to gather the full dimensions but it is pretty serious. gerri: we go to night mentioning security, of the numbers that were slen debit and credit card numbers are out there sold by criminals and to other criminals. maybe were shopping at target on black friday value reformation is sold at20 or 100 bucks per piece for your information right here probably rsian criminals buying your information on the black market is a agedy. people pass this off as just another blow up. i believe targets >> they are fighting the uphill battle and byhe way
>> uphill battle? what did they do? where is the ceo? they put out some p.r. releases but will nt pick up the phone how many tweets or facebook post from people who sat on the phone trying to talk to somebody from target nobody gets on the phone with them? >> it is outrageous thhre is a flaw someone managed to debit cards andpeople were credit car now they have announced tay there'll be free credit monitoring. gerri: that is not a comfort. the information has already been stolen now you tell me you offer free credit
monitoring? now they say if you have a loss they will make you whole but you may not know forwhile. maybe it happens down the road. >> one of the things that is important people have to look at credit accounts and they count on a daily basis. they should do this anyway. to make sure every transaction they see is there's. people may want to replace their cards this could be part of their buying pattern people also have to remember gerri: but you cannot find fall on consumers shoulders it just is not good enough. i want you to hear from the people trying to get target to respond.
>> are you kidding me? after 48 minutes on hold been a busy gnal and the call isropped. completely unacceptable. >> white you cancel everyone's card and reissued to everyone since none of us can get through? people would be grateful for the pro-active nature. >> target neds to do more to protect its customers data to restore confidence how come it has not gotten ahead of the news? but 22 days between the time the rip-off started in the date they said something apparently reporters were calling them fromall over the country they did not say anything they let people use the credit cards and put themselves at risk. why?
trying to uphold their good name during the season? crazy. >> there are situations where of a data em preach you hear the alarm sometimes they cannot be discovered right to way. sometimes law enforcement investigates and they tell the target they dealt with their release that does not excuse the problem. gerri: target did not even find out first. they hado be td by other people in the industry. this is not a pblem on the web but in the real world that they were not able to handleow 40 million americans, who knows? will they be ripped off?
will they have their identity stolen? we have radio silence. >>e don't know so far target maintains the pin number for the debit card has not been comprised. if they are you have another set of problems because it is one thing for someone to use your debitard for a specific transaction its another thing if it is used anti-atm machine. gerri: that was the good news the numbers were not stolen. >> but the biggest problem it is not the first. i a -- it will not be the last the business community doesot take thi as seriously as they should. breach after breaching an issue after issue. and what they need to protect themselves and they
don't create systems that respondent to people when there is a breach to make sure they are taken care of. gerri: i agree. we running out of time. think you for coming. we appreciate it thing gives you still have time to give an end more on a massive story from a target as lawsuits kyle in against the discount against the discount retailer. hi honey, did you get e toaster cozy? yep. got all the cozies. [ grandma ] with n fedex one rate, i could ll a box and ship it r one flat rate. so i kn untilt was full. yod be crazy not to. is tt nana?
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at your local mercedes-benz dealer. gerri: the problems for target keep coming not just dealing with the fallout of a security breac but now being sued by customers for invasion of privacy and negligence. can and these cases stand? let's ask our guests. >> we don't like target right now but we will not make any money off suing taet to avert the customers that this is what happened very quickly they did that.
but the credit card is paid via -- by the company. gerri: 22 days? reporters were calling them but they heard nothing spinet they had still have full disclosure with data reach where once they know that they are to do it immediately. >>hat was reasonable to do the own internal investigation also t. j. max gerri: this is a different case real world theft not online. >> but these magnetic cards in existence for ever. he would think with this particular point the point i try to make is that aspect
has had stakes in other situations there is settlements because this offer issues are known. these are not new problems. >> i gave you that but with dollars and cents in front of a jury or judge for damages you really have damages when everything is paid for? >> that is a problem >> but the person in the street yes the fraudulent charges may be paid by somebody ails the late 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 love to shop there but now claims scared. but theyay we take care of all of that then there is nothing to argue about.
>> but they don't. >> they 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 ucceptable thhs is their responsibility. let's talk about this what is valuable? is that the inventory? the stores or real estate? >> than they are not protecting that they have our information stolen. >> but the problem is in a court of law at what happened. >> but this period was during the black friday period. they tried to patronize the
stores now they t this? >> no target tells people to go out and cancel the card in the middle of the holiday season before the biggest shoppingday of the is ludicrous. >> now it is aeal problem. >> elevate it out in front of it? they should have done it two weeks ago. >> would get the statues they will not be held accountable in a court. >> there is already a lawsuit in california. it is unfortunate we don't have a federal statute. >> so it was meaningful to the company but not the consumers. >>ut the consumer is capped >> it could be a tinymount we will pay you back. gerri: why isn't the ceo talking abouthis?
>> they should be. this is an outrage. gerri: i apologize. merry christmas. think you very much. braving the malls he will tell you which poll out the stops and heading to "consumer reports" for you ocrastinators looking for something to put under the tree. ♪ [ female announcer ] there's one thing dave's always wawanted to do when he retires -- keep working, but for himself. so as his financial advisor, i took a look at everything he has. the 401(k). insurance pies. even money he's invested elsewhere. we're building a retirement plan to help him launch a second career. dave's flight school.
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gerri: the clock is ticking as americans wait until the last minutto finish shopping habit you find the best cadging aift? visiting "consumer reports" testing center. the liy season people are not done. >> as of early december only one-third have started so lot of the stores there will be marathon shopping. gerri: believe fell hardest for the last. >> spouses, a significant hers children never to m3 but who's to the most regally kids with 39 percent of those surveyed in
"consumer reports" said they will spend more money on their kids than anyone else. gerri: will cap the tablets with the ipad air? >> for the new one is thin and light colors e studying and realistic it is about 13.five hours of battery life it is easy to read it is about twice as fast. gerri: it's is lovely you also have the kid version. >> the curio is wonderful it is responsive with the sicone bumper 63 pre-install caps with seven hours of battery life it you can access the parental controls.
gerri: so many worry and my protected. >> this is one of the best options out there we like the security inherited this product. >> if my husband came to me with this i should not be happy. >> you should have a more open mind if this is cool not like a vacuum cleaner but it is a fun appliance that can do sething you don't want to do. gerri: big concerns how this has been operated but the probm with these it seems they miss a loof areas but the i robot is terrific it picked up almost everything in its path when we tted it here at "consumer reports" it did a terrific job it is programmable you
could have it after everybody is asleep it is for a hundred $50 but it was a standout. >> to be but once the of blue touse -- blue two's people can talk on the airplane it will sell out. >> this is superb. it offers blue tooth or wire cake about the capability in the blutooth realm and natalie that very good ways canceling properties for sizing comfort to a hu utility it is a terrific model. >> what you recommend? we back the buck stops here said nokia libya about would
hundred dollars with a two-year contract what stays out about this product is phenomenal. with 1.to make a pixel and it can shoot a low light -onditions or photo correction. >> this is something at has reached new heights. gerri: why you have to wait to get your tax refund next year and what you should do about a. even during the busiest this shopping season consumer is sick of the discounts why the fatigue after the break.
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with investment information, risks, fees and expenses to read and consider carefully before investing. gerri: the christmas season of midtown tailers pulling out all the stops to open their wallets will this work ? here today if we have a personal finance expert. what are they doing? any other discounts? >> probably as good if not tter. with the little electr pet? [laughter] 3999. you will see good promotions across the board then the extended hours. gerri: we have a good graphic tell us about the
marathon retailer. >> around the clock they will be open crazy kohl's, a macy's, a toys r us some going over 100 hours consecutively to bring in traffic is crazy. and some are extending free shipping as late as t 23rd with free shipping or expeted shipping. gerri: value? >> 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 to buy the new stuff are they over that? >> they do but they buy a lot of junk showi a lot of people to have these budgets but they're worried they cannot keep the budgets of 59 percent say they're more kely to vote that specifically those to go in therto spend the money like no tomorrow because they need more stocking stuffers.
gerri: we want to ask about reid shifting there's a poll that sws it is okay. do you go along with that? >> igree t you have to do with the right way. i got a blue sweater was n my color but i knew it is exactly what he wanted and your size i baby giftit. i would take it. >> i think it is perfectly fine and has become more acceptable. bore people doat. gerri: merry christmas. here is a question to you reid gift? i will share the results since most americans do what are the most common and gives? number five is jewelry. year old stuff is just
vintage the picture frames. swap out the smilg faces. number three gift baskets. make sure the items have not gone bad first. [laughter] number two housewares. coffee makers, blundersand the number o goes to be gifted item is clothin. i am shocked. but then they see you did not wear it to. always rember the cardinal rule is membered you gave it to you in the first place. when we comeack advice on the best retirement option and to the important steps toake this week to make the pavement of fi your taxes of little less. taxes of little less. ♪ [ male announcer ] here's a question for you:
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gerri: you may have to wait longer to get your refund chk the government shut down interrupted the tasks to update the processing systems so they have to start processing returns january 31st 10 days later than normal. great t have been on the set. people are a fan of the refund although i am not but they rely on the many the earlier the deadlock -- the better. >> unfortunately these people will have to wait it affects those that most needed the money.
they live paycheck to paycceck but those that file pay down holiday bills or essentials purchases. it is unfortunate but this if you use tax software to file your return you can start filing electronically through jittery second. we will hold the return and tell the irs opens the doors then they will transmit and will be first in line to get the refund. gerri: h&r block is doing that same thing but i do see people out there those who tend to be wealthier but you can do things right now to reduce the tax bill. what youthink?
>> taxpayers will see sticker shock but this is a great time to look at your donations not only cash but furniture and toys can be written f on the tax return to the extent that you value those. >> at the devil is with the details. backs of your retirement the payment. whether the i.r.a. or the 401k plan invted in your future through your retirement plan is a great tax savings moved. gerri: this education savings is a good thing to reduce. >> everyone really colle, which is very expensive.
it does provide tax benefits not only college expenses so don't overlook that but these education benefits kim / that. gerri: i like playing with pretax dollars. if you get a bonus don't take it on christmas day. wait until to refers to to push it into the next year. >> is a with deductions move those in to a 2013 for the immediate benefit. gerri: a lot of changes coming. thank you for comingn. 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 equal you're looking well for you and your buddy some of the best on the market. ♪ this is the quicksilver ca back card from capital one. it's not the "juggle a bunch of rotating categories" card. it's not the "sign up for rewards each quarter" card. it's the no-games, no-messing-'round, no-earning-limit-having, do-i-look-like-i'm-joking, turbo-osting, heavyweight-champion- of-the-world cash back card. thiss the quicksilver cash back card from capital one. unlimited 1.5% cash back on every purchase, everywhere, every single day. now tell me, what's in your wallet? see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors,
treatment options and estimates for how much il pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's health in numbers. unitedhealthcare. gerri: if you want to know which companies offer the best choral
this is fascinating because you have so much data at your fingertips with 401k. let's talk about how you come up with this list to help us know how the for a 1k plan is good. >> this is not a political contest your survey. be actually grabd the fed to statements for eachlan and we do a lot of processing in putting to quantitative scoring model in trying to determine which plan will get you to retire but faster. gerri: what kinds of things you consider? is it th options it? we back the number one thing is how much money actually goes into the planet your behalf with your deferral or that your company puts in for you for the match.
fees, quality of deduction and options you have a good option? real-estate? bond? small-cap? how long does it take to you to get the match. gerri: you have put it to gather. but now look at the number of wind 401k plan in t country is the nfl career savings plan. how did that happen? >> they're hhly paid when you see a very distinct employees that oftentimes the company is is a device to contribute more on behalf of those employees because they do not want to lose them. in this case. gerri: and united airlines pilots are southwest pilots that are well paid have good
compensation of packages whatas the savings plan and saudi arabia of oil? thatwas another plan that was incredibly generous. they just love the company cause they say it doe a lot including putting a ton of money in that has been on the list i think every year since we started five years ago. thenhey 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 so generous? >> i have been watching apple for several years it is 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 tirement plan
relative to google'sr i am it is just not that generous gerri: that is fascinating. wide you go to the trouble? >> our mission statement is about providing retirement security to the work force and providing transparency. it incentivizes whether the cfo or the plan sponsor for the company like schwab who is of low cost index for the market pixel whole market better. gerri: fascinang. is a great coach check out the web site. we will be right back with the user to the question of the day. to you mine was earned orbiting the mon in 1971. afghanistan in 2009. on the u.s.s. saratoga in 1982.
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news poll,,more than 7-inch and people say it is okay to every audi do that? here is what some of your postin on my facebook page. i've done it. it is thh thought that counts. jack right normally i have no problem th it, but everyone should be reminded to always practice safe we give in. that means be discreet. also asked the question on gerriwillis.com. 33% sad yes, 37 percent of you say don't do that to me. here are some of your e-mails. in response to your question of whether the government should provide job equality or equality of opportunity, the government has no constitutional business guaranteeing any sort of jobs. give men need only get out of the way in a business to provide all the jobs. jim from indiana says it cannot guarantee equal results. the best that we can do is t guarantee an equal opportunity. the results lie in the hands of the individual. agree, jim. and nt from wisconsin agrees, it is not the government's job
to make sure everything is fair. life is not fair. having a skill set or knowledge enshrined productive results for your employer will get you ahead in ts country. lincoln said, you cannot lift up the wage earner by bringing down the wage payer. we love hearing from you. send me any member. get to gerriwillis.com. consumers get the short end of the stick all too often, and so it is with the target breach of security. as we have been saying, 40 million americans have been exposed to identity theft and financial losses. consumers on the high. while targets says customers won't y for losses, what about the people lose the peace of mind or are forced to cancel cards during the hololiday seas. for its part, target could have done a better job protecting yes. the company 20 days to make public the breach. their response after the announcement was subpar. waited and waited and did not get a response. the company cl talks directly to the public.
come on and say something. consider this an invitation to come on "the willis report". that's my "2 cents more." and that's it for tonight on "the willireport." thank you for joining us. have a great nig a go. ♪ >> voters are ticked. welcome come i am melissa francis in for neil cavuto and the obama admnistration investing millions from the health care insurance mandate. americans whose policies were canceled won't be penalized. arkansas governor says democrats still have a lot to do to sway the public by november's election. and that's a long wayaway. >> people have to rememr that 2000 cortinas year in which they try to navigate