Than six per team and the referees can look at the replay screen for no more than 60 seconds a limit on the search. That works. Clear and simple rules than the rest get out of the way gerri hello, everybody. Im gerri willis. Tonight on the willis report its Super Bowl Weekend, and the point scoring has already begun. We are talking about the ads, of course. We have the super preview. Also, a not so super jobs report. Have we reached the jobs in this country . And if you want your portfolio to peak but do not have the stomach for stocks and bonds, how about collectible coins . The willis report is on the case. Gerri all that and more coming up later, including that dow hitting a 5year high closing above 14,000. That was good news. First, more good news, Super Bowl Weekend this year. The San Francisco 49ers taking home the coveted Vince Lombardi trophy or will it be the Baltimore Ravens . I guess we will have to watch and see like everybody else, 111 million fans. Joining in on sunday, not just for the game, but also for the halftime show in the commercials. According to a new report from nielsen hominine that of ten consumers say they are just interested in watching the ads. Just as interested in watching the ads as they are the game itself. I understand that. The average cost for 1,302nd spot during the super bowl is close to 4 million good reason for it. Last years super bowl ever is more than 111 million viewers, making it the most watched tv event in u. S. History. With more on the business behind the Super Bowl Ads is branding expert, also the former pr manager for the new york yankees. You know a thing or two about sports. What is this obsession with Super Bowl Ads . You know what, it takes place in the greatest, most watched event of all time, and over time the ads have been built into being, as your traffic showed, has been as popular as the game itself. For the advertisers, this is there super bowl. Gerri and you were saying, it is critically important for these companies to get their ads in this game because everyone is watching. Everyone is watching. It raises you to another level. Like i said before, stakes are high. No coach has ever been fired for losing the super bowl, i dont think. People have lost accounts over failed Super Bowl Ad campaigns or campaigns gerri that is for darn sure. We were talking before we came to air about, hey, almost 4 million may not be that much for the exposure youre getting. Well, even more when you consider, that is just what it cost to by that time. You have production cost, cost to procure talent, but even with those costs involved it is well worth the money for these companies because even a bad ad is talked about years and years later. Gerri top five Super Bowl Advertisers, patsy, gm, you name them, you know them, anheuser, cocacola, the walt disney company. I want to show a couple of these. Were going to watch it and then i will be degraded. Here you go. Last one. [laughter] this set. Gerri here is the great thing about the ad. For seven years they have amateur film makers make their ads. You know, on the internet consumers have picked which one airs. So the costs are minimal and they are usin to of the three abcs. Animals to my babies, and celebrity. The animal and the baby in one spot. Gerri knows celebrity. To of the three. Gerri i want you to see the apollo axe at. This one is good. Gerri what is going on in this category . It is crazy. Here is the interesting thing. That is an ad that when you picture yourself that youre super bowl party, people will react to that positively, but by putting it out on the internet early, so many of these, you can go on the internet and see. But the one that really is going to last and the memorable is the one that they are keeping back that you have not seen yet. Gerri what have we not seen . There are some surprises out there. Believe me. There are some surprises. Chrysler, which had the Clinton Eastwood at, the 2minute ad, theyre taking a big risk. We have not seen that, but theyre going to use berry gordy, the rockandroll hall of famer who founded and motown, 83 years old. He is not the mideast with in terms of official recognition. So they are taking and we have not seen that one. Gerri so there are some surprises here. I was asking you about the rita doritos and the axe at. Companies, are they hoping to increase awareness of brand . What is the goal here . Almost trying to do all those things. Different companies, like anheuserbusch, you know the brand. This year theyre going to run a spot with clydesdales which will resonate with the audience, stevie nicks singing landslide in the background which will get people to do and got. Gerri of a certain age. But they are also pushing aircraft be your with jayz. Two Different Things going on. Some things want to start of the campaign. Some people want to reinforce their brand. There will be talked about the vote. Gerri this is, as you said, the super bowl of ads. Who you think will come away with the biggest impression, the biggest nap . It may be the old standby, but doritos does an incredible job because they are getting, you know, they are getting amateur film makers to provide a copy. I think they are going to rate in the top three, if not at the top of the usa today ad. Gerri take upton and that mercedes had. Oh, my lord. Here is the bottom line. Once the spot. A logger spot. This is not the one that they are showing in the super bowl. This is one of the two. There is another one, though, where someone makes a deal with the devil, played by willem de file, and he gets to go on the red carpet. I think at the end of this kind of a big yawn. I dont think. Gerri no points. What about the other one. Kate upton in the car and the guys are cleaning it. That is fine, but we have seen some any times already. I dont think people are going to go well because we have seen it. Gerri all right. Good stuff. I think it is fascinating. I am one of those people who will watch the super bowl mostly for the ads. The question is when the go to the bathroom now . Gerri choices. You have to make choices. Have time. Gerri you can go at halftime. Its beyonce. Forget about that. Thanks. Earlier we showed you the top five super bowl commercials of all time ccording to add reader. This one from 93 featuring basketball legends Michael Jordan and larry bird playing, well, a ridiculous game of worse to see who gets a big mac was number one. We wanted to know what you think as you descend in your picks for the best commercial, and then make a tonights top five. Number five, as the chris commercial from 2010 think featuring americas sweetheart. The been riding the odd game. Youre playing like betty white out there. S what your girlfriend said. He does neckers. Better . Gerri that had to hurt. Member for, a 2011 folks like a commercial that was shorts a warm your heart. Gerri that is adorable. Number three was from ten years ago, an ad from budeiser. This referee is a jackass. I believe that is a zebra. Gerri and number two, the clydesdales more popular among our viewers, an ad from 2008. Gerri and the number one Super Bowl Ad of all time, this according to our viewers, once again, comes from budweiser. Gerri im a big mush. Only ever aired once because of a company not wanting to profit off for the tribute to 911. But it was a favorite in our winners love it. A lot more to come including every look at a elected ridiculous tax bill. Is the worlds secondbiggest company paying their share . And a ridiculous debate over a waitress showing a recede saying a tape was not paid by pastor. Mandatory tips. Stay with us. The capital one cash rewards card gives you 1 cash back on all purchases, plus a 50 annual bonus. And everyone likes 50 more. [ midwestern chicago accent ] cheddar yeah 50 percent more [yodeling] yodelayeeoo. 50 more flash. [ southern accent ] 50 percent more taters. Thats where tots come from. [ male announcer ] the capital one cash rewards card gives you 1 cash back on every purchase plus a 50 annual bonus on the cash you earn. Its the card for people who like more cash. 50 more spy stuff. Whats in your wallet . This car is too small. Gerri all right. Tonight were breaking down one of the most talkedabout job firings of the week. A waitress at apple bees getting the boot for posting a picture of a receipt that was left by a pastor slamming the automatic gratuity added to his bill. The st. Louis pastor scratched out the automatic 18 percent tip, wrote zero where the additional tip would be and wrote, im giving guide 10 , why should i give you 18 . Joining me now, managing partner. Fox news legal analyst. Im starting with you. Should the witness have been fired . Absolutely not. She thought it was funny, but it out there. Maybe she should have got a warning, but absolutely not fired. When you put a recede out like this is out there for the world. There is no expectation of privacy. You signed it off, its like throwing of your garbage. Gerri did they get it right . I respect your opinion. I would say, no. You have to look get this case into perspectives. The law and the facts. This person was an employe yet well, so unfortunately she can be fired with or without cause. No freedom of speech issue because the constitution restricts the Governments Authority to inhibit freedom of speech, but apple bees is, of course, not the government. I understand the pastor was extremely rude. This other individual that was fired is very sympathetic, but she exercised bad judgment here. If she was not terminated what would happen the next day if someone came in and the only ft a 10 to because theyre unemployed and short on cash . Judith had the ability to take their receipts to operate online. Gerri the reason it was posted was because there was a nasty message, not the lack of tips. I guess i am a former waitress. To saing all that bad stuff. It is ridiculous. Do you think she could have a case if she brought a lawsuit . Know because she is an employee at will and could be terminated with our without cause. Or wrongful termination. You can still sue for wrongful termination. In this case and would say not they were out to get here. Almost retaliatory. The wrongful termination is a very limited to very specific instances. Virtually that is not going to work. The bottom line here is that there is no reasonable expectation of privacy. I understand all that. Thank you. Exactly. My point is made. Just because somebody was reared does not give somebody the opportunity as an employee to go broke. But if there is no expectation of privacy does not matter. Thank you for making my case. Gerri and here is the receipt. There is no opportunity to be able to file a lawsuit here. She was treated rudely, but that does not violate the law. Gerri we just showed the recede so you get a sense of what it looks like. Here is what the file which fired waitress had to say. I thought the note was insulting, but it was also comical. I posted it because i thought others would find it entertaining, which goes to this whole idea, is the public i dont know, its sitting on a table, really, you have no expectation of privacy . I might have my mastercard number on there. That is the other problem. If someone came in and give a 10 percent tip the next night and she was allowed to stay there, that persons credit card information would be on line. That individual in apple these of the credit card information, just to name that she signed. If youre worried about the privacy than paying cash. If youre not pointing to it, then pay in cash and no but your name out there. Once you put it on Common Ground like that you have no expectation. If i go tomorrow and have no expectation of privacy that if i put my credit card down and the person disapproves of my tip they can help me, put me on line and gold robes on the internet . That does not give make any sense. Gerri the statement. Heres what they said. Yes, i expect and deserve to be treated with professionalism and care which includes respecting a protecting the privacy of every guest which is why our franchisees have strict policies to protect personal information, even the names. What do you say [talking over each other] to fire her over that, they should have taken her aside and say, look, you used poor judgment dont do it again. To fire her over this, absolutely wrong. She used poor judgment. She used poor judgment because your management could double this person aside and said, was there something wrong with the service . What did we do long . If you cannot let your employees warm all over the place and put your customers on the internet. Abide by the contract. I love apple bees. There is a contract. If you have more than six or eight people in this case, you are subject to that . Gerri the pastor in this case came out and apologized. The same im looking in my bill, 18 percent gratuity and was like, man, i give god 10 . Why should i give you eight teen. Im sorry and eroded. It was done. It was done of me. Almost everybody with the exception of up obese is backing up. Alice apologizing for their behavior. One woman is out of a job. Employment is not pretty. Parsenia im sorry, they should give her back the job. Gerri i find this sucks. I have to tell you. I do. I dont think their is a policy. You are supposed to take care of your customer, protector customer, not complain about the publicly. Im sure you always did very well. Gerri i dont to 18 . Well, id do if i want to. But you should know when you go into a party like that some of the group, you are supposed to. I just like being told to. Dont tell me what to do. I would tip 20 if no one told me to do anything. Be careful when you go there. You better get a good tip or you might end up on the internet. [laughter] gerri well said, and that is the end of this segment. Thank you for coming on. Appreciate your time. You did a great job. Now we want to know what you think. Should restaurants charge of mandatory gratuity . Log onto gerriwillis. Com and a vote on the righthand side of the screen and i will share the results of the end of the show. Coming up, the dow closing and an alltime high. Is it too good to be true . Next, one of the reasons for todays rally, exxon mobile earnings. I will break down shocking numbers over just how much the Worlds Biggest Oil company pays uncle sam. You will be surprised. Email marketing from Constant Contact reaches people in a place theyre checking every day their inbox. And it gives you the tools to create custom emails that drive business. Its just one of the ways Constant Contact can help you grow your small business. Sign up for your free trial today at constantcontact. Com try. It was the biggest race of the year, and no matteoqat, i was gonna win. Someti[js. Things happen you just canoi explain. a oh, i believe there e angels among us. R and some things ar more importanthan winning. sent iiwn to us ]from somewhere up above r2 o hey come to you and me i dont remember who won the ra that day. R2 to show usfr how to live,. Buill never forget how i felt. To teach us f how to give to guide us with the light of love. Gerri president obama has made the Oil Companies out to be tax cheats, but ill write down h gerri well, it was a record date or near record day for one of the worlds Biggest Companies , exxon mobil. Now, the oil joint giant barely missed a record 44year earnings just under 45 billion, 340 million shy of its 2008 record profit. Net income equals 2. 20 per share or about 10 million a. Its a huge number for that company. As a result of the success people on the left really does the Companies Say they dont deserve the massive tax breaks theyre getting. These big bad boy of guys have to pay their fair share like the rest of successful i mean, im sorry, wealthy americans. Take a look at this. For the Fourth Quarter exxon paid nearly seven and a half billion dollars in income taxes. Nearly 8 billion in sales taxes. Nearly 9 billion in assorted other taxes, a total of more than 24 billion in taxes. So, lets revisit the top of the segment for a moment. According to todays Earnings Report exxon earned about 10 billion last quarter. The oil giant paid 24 billion in taxes. Look at that comparison. And that is just the fourth gerri for 2012, they earned 45 for 2012 exxon earned 45 billion paid 102 billion. In fact, their tax rate, 31 percent that does not sound like a free ride to meet. To put it into perspective, their tax bill was greater than the entire gdp of morocco. Think about it. An entire country. Talk about there fair share. The fair share, if thats what we are striving more, the irs has to give its money back. Unlike your pet projects like solyndra, exxon is more than profitable, and it puts money back into the economy in the form of nearly 37 billion in energy investments. Stop making them out to be the bad guys. Like you have other Successful Americans that take pride in a u. S. Company being number one in the world. Thats a good thing. Coming up next, traders seem to love todays jobs numbers, but were they really all that good . Our Political Panel weighs in, and stocks on a roll, lately, topping numbers not seen since 2007. How long will it last, and how high will they go . Coming up. Coming up. [ woman ] if you have the audacity to believe your Financial Advisor should focus on your longterm goals, not their shortterm agenda. [ male announcer ] join the nearly 7 million investors who think like you do. Face time and think time make a difference. At edward jones, its how we make sense of investing. At legalzoom, weve created a better place to handle your legal needs. Maybe you have questions about incorporating a business youd like to start. Or questions about protecting your family with a will or living trust. And youd like to find the right attorney to help guide you along, answer any questions and offer advice. With an a rating from the Better Business bureau legalzoom helps you get personalized and affordable legal protection. In most states, a legal plan attorney is available with every personalized document to answer any questions. Get started at legalzoom. Com today. And now youre protected. [ male announcer ] a full life measured in seats starts with the right ones early on. Car crashes are the number one killer of children 1 through 13. Learn how to prevent deaths and injuries by using the right car seat for your childs age and size. Studios in new york city, its the willis report with gerri willis. Gerri beautiful evening in new york, but cold. All right, talking about the dow topping 14,000 today for the First Time Since the financial crisis rocked the world economy, but should investors brace for a painful correction . Thats what folks are saying. Jared, senior equity strategist at Zachs Investment Research joining me now. All right. Tell me, explain the stock market. Why is it happy when we have a punk jobs data and then the economy slip shrinks in the Fourth Quarter. Why is it so high . I thought about it and talked about it in the past. I was more of a bear coming into the new year, but i realized a couple things. Number one is we have to stop looking at the market as a predictor. Its only interpreting the data it has right now. In 2007 and 2000, in 2000, there was a dotcom fueled rally. Po ratios at 26. 2007, fueled by housing and commodities, that ratio at 18. Now weve got a rally fueled by nothing. I mean, gerri haha right. Horrible gdp readings, lackluster growth, no bubble other than maybe china, yet pes are down 14. In my mind, and right now, still difficult, i think we have the ability to move higher. Gerri all right. Stocks are cheap. Is it possible that look, the only thing thats working is the stock market. Ben bernanke keeps printing money. Is that the reasoning, you think . Yeah, i mean, think about it like this; right . Where else you going to go. The fed is injecting billions of dollars into the economy, the monetary system, monetizing our debt, which well reap those issues down the road, but right now, you said it. Theres no other asset performing the way the u. S. Equity markets will, and people dont understand china to put the money there. This is the place to be. Gerri let me ask this, though. Everybody on the floor today so exted about dow 14,000. Again, its, you know, its 30 stocks, people, dont get excited. The reality is this. We have been here, and it was seven years ago. We have been here, and it was seven years ago. To me, i remember that, and i think, oh, thats disappointing that it took us this long to get back to where we should be. I always think the stock market should be moving ahead in a fairly straight line, not with big multiyear gaps. I guess i, like a lot of americans out there who have been trying to save for retirement, trying to save for all kinds of things, i wish it would stop surprising me and start acting a little more rationally. I know im asking too much, but do you see what im saying here . It, you know, gerri, when you look back at the past decade or past 12 years as you pointed out, think about the headlines that drive us. Think about dotcoms, housing. Gerri bubbles, bubbles, bubbles. It might be better to muddle through and get through slowly. There will be a small correction, but its a buying opportunity. Im changing the tune, butfor the next year, unless something crazy happens with china or europe, and i dont think theres a big chance of either, i think the market can creep higher. Im scared. Theres names to stay away from, amazon, which is completely nuts, but i think the market can go higher. If we continue to muddle through, its not as volatile as its been. Thats anyones guess. There are not big headlines. Gerri money in stocks, thats the way i play. I believe in American Companies and the american economy, and i want to see it grow. I guess its more thats noble. Gerri its not really all that rationale. You made me talk about any personal investment habits. Thanks for coming on. Great to see you. Thanks, great to see you. Gerri wall street cheering todays jobs report, but is the report worth celebrating or just hot air . With more, resident scholar at the american prize institute and and a former adviser to president george bush. Brad, what do you think of the report . Ed dpoo good news, bad news . Its horrible news. The job numbers that picked up to 7. 9 unemployment and growth anemic, you know, its about policy, gerri. The medical device tax, part of obamacare, kicked in in january. 2. 3 excise tax on sales killing Companies Like a Small Company in california named avenger with a catheter to save 80 to 90 of leg amputations. They are not profitable, but hit with this tax. American companies, innovators on the hook for 94 million. Gerri john, the jobs report. This hits every american. You know, the rate 7. 9 as we showed you, higher than when obama took office, and we got a report last week about gdp in the Fourth Quarter being negative, down a tenth of a percent, what gives . Well, its pretty much business as usual out there. The numbers are mixed, as you say, we had zero growth in the Fourth Quarter and gerri what do you mean business as usual . This is the worst recovery weve ever seen in this country. The worst. Business as usual in the recovery. Its been going on for four years. Im used to it. Gerri the new normal. Thats what i mean. Tepid. I give the jobs report a bminus. The market liked it. I think a lot of professionals are uncomfortable as jared said with where the stock market is. Heres my take. We had a lot more hiring in the Fourth Quarter in this month than what would hve made sense given the underlying path of the economy. A lot of employers saying i wish i hasnt hired. People are getting more taken out of the paychecks. Theres a lot of fiscal drag. Theres going to be a slow down, and i think the hiring increasing are going to slow, and i think well probably have a negative quarter by the Second Quarter when all of these tax increases and sequestering cut in. Gerri two quarters of negative gdp growth. Every year it slows in the Second Quarter, and i think thats going to happen here. Gerri all right, all right. Dig dpeeper into the report. I think theres things that you keep expecting to get fixed that never get fixed. Like the fact that people who are long term unemployed, this never goes away. The number is stat tick, remains at the same highs weve seen, and then the jobs growth that happens, its not the Big Companies doing it, but the Small Companies doing it. The very people president Obamas Administration doesnt listen to. They didnt put those folks on the jobs coucil that they disbanded. Its the Big Companies. We are not supporting them. Brad, to you. Seems to me that these kinds of problems get ignored and are not being fixed. Absolutely. The fact that its become the new normal. You just hit the nail on the head that we are numb and we dont challenge the people who are in power to actually provide results. You know, bill clinton said it best. Theres about a trillion dollars just sitting on the sidelines of people who have no confidence anymore, not only our government fixing problems, but they are able to do it. What we need to do is hold the governments feet to the fire. The obama administration, the house, the senate because they are direct responsibility for why weve see such anemic growth, and to say to somebody looking for a job, its coming, its coming, four years . Its coming . No, it should be unacceptable. Gerri john, i want you to talk to some of the Participation Rates, labor rate issues, and among 60yearolds, its growing. The Labor Force Participation among people who might be thinking about retirement is actually growing. Theremore people who are in the age category who are actually working. Now, this contravenes everything you think is going on, and, certainly, the message from the white house saying, hey, boomers retiring everywhere. Its not happening. Whats going on . Well, you know, the thats right, a lot of people put off retirement plans because the typical household lost a lot of money when the stock market went down, and the house is worth less than it was, and the plans go out the window, not sure about their pension, and so thats another reason to keep working. Its difficult, and the Participation Rate of those every 60 goes up. You have an underlying problem thats not going to get solved with macropolicy, and until we start consistently growing, its difficult. Gerri we dont have a ma crow policy. I dont think the president has a solution to this. Like john said, looks like another recession here, and i dont see the president having solutions other than funding green energy. Thats right. He believes the market repairs itself, and that, well, if he had his way, gerri, another huge stimulus package, but they will not go along with that because its been a disaster in the last one that promised reduction in unemployment below 6 ,ut, you know, we have a backlog o people joining the marketplace, and thats why you are seeing the numbers pick up because we cant catch up because people stay in their jobs. Gerri john, brad, thanks for coming on tonight. Great job. Its been a fascinating day in the markets today. Thank you so much. Thank you. Gerri when we return, stocks may be at highs not seen in decades, but many find alternative investments like rare coins. Well tell you about that next. The age of record low Mortgage Rates done . Have we reached the bottom . More predictions on that next. [ male announcer ] how could a luminous protein in jellyfish, impact Life Expectancy in the u. S. , real estate in hong kong, and the optics industry in germany . At t. Rowe price, we understand the connections of a complex, global economy. Its just one reason over 75 of our mutual funds beat their 10year lipper average. 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. Gerri housing free fall seems to have hit bottom, but has the era of record low Mortgage Rates bottom out with it . Joining me now, the ceo of team investments. Tonya, welcome to the show, great to have you here. Thank you so much. Gerri three of the four last weeks, mortgage ratings ticked up. Is it over . Where is it going . Well, you know, bottom line the feds said they would not raise rates until unemployment hit 6. 89 . Were at 7. 9 , and they are raising a limit. They cannot afford to raise rates a lot, not with 16 there in deficit and the economy slightly diminishing, and, you know, this unemployment number, they cant afford to raise the rates. Gerri well, i hear you. I dont know if they are listening. Rates slowly ticking higher here. Will that do anything to the housing rebound. Do you worry people will step back and not buy . No, not yet. When you look at it realistically, buy a 275,000 house with 5 down, your Monthly Payment is still less than in 1987 buying 175,000 house with 5 down. Were still in a better era today for housing than we have been in a long time, and rates are at 3. 5 . I mean, that is still exponentially low. People need to understand where we were, where we are, and just move. If you want to refinance, its time now. Gerri were showing a graph, a chart of 30year mortgage fixed rates from all the way back to 20082009, and it is the steep slope south to 20 2013. Its about comical people are worried about rates popping up because most people have never seen this in their lifetimes; right . How often in your career have you financed houses at this level . Oh, this is unreal. My first house i bought at 8. 9 . I was happy. The second was at 13 , and i was making the payment. Gerri wow. 3. 5 Interest Rate is unheard of, and its great for people who are buying houses. Whether they are Investment Properties or personal family homes, it is time to buy. I dont think it affects the buyers as much as it will affect the refinancers. Gerri thats a Critical Group of people here. People who could refinance, maybe get out of the house, might want to move on, get a new loan. Those are the folks who are clogging up the system at this point. I mean, normally, theres so much turnover. When do you expect us to move towards a more normal market . I think we have a couple of years before we hit normal. All those states that are judicial foreclosures like new york, you have a lot of bog and mire going on still, and those homes have to hit the market. States like arizona that were nonjudicial, they are starting to level out and creep up as we saw in the case schiller numbers, but, really, we have awhile before we hit a normal market. Normal means consistent, and consistent is not going to happen for awhile. Gerri i want to come out to arizona and look at property. Will you host me . Any time, absolutely. Gerri thanks for coming on, interesting stuff. I know people thank you. Gerri they follow rates closely. They are eager to hear anything about it. Thanks so much. Thanks a lot. Gerri my two cents more, investing in wine, but what about rare coins . Is it the right path for you . Thats next. This happy couple used capital one venture miles for their destination wedding. Double miles you can actually use. But with those single mile travel cards. [ bridesmaid ] blacked out. But im a bridesmaid. Oh x marks the spot shell never sit. But i bought a dress a toast. To the capital one venture card. Fly any airline, any flight, anytime. Double miles you can actually use. What a coincidence . Whats in your wallet . [ all screaming ] watch the elbows ladies. Omnipotent of opportunity. You know how to mix business. With business. And you. Rent from national. Because only national lets you choose any car in the aisle. And go. You can even take a fullsize or above. And still pay the midsize price. I could get used to this. [ male announcer ] yes, you could business pro. Yes, you could. Go national. Go like a pro. Gerri skeptical on stocks . What about rare coins gerri you probably read about this story, a rare 1794 u. S. Silver dollar coin sold at auction for 10 million. 10 million. Imagine that. Doesnt look like its worth 10 million. Its one of the first coins produced ever by the u. S. Mint, and believed to set a new record for the sale of a u. S. Coin. We are continuing the discussion of investment. Yesterday was wine, and today, rare coins. Where do you start . Joining me now, investment adviser, comanager of encompass funds. Thanks for coming on, marshall, appreciate your time. Tell me, how hard is it thank you. How hard is it to make money investing in coins . Well, its like investing in anything else whether its wine, land, or the stock market. You need knowledge, some experience, and probably more so with wine or coins. You need to work with somebody thats knowledgeable and experienced to help guide you along the way until you get that knowledge and experience. Gerri well, so, how much money do i need to get started . Well, you can get started with rare coins for just a few dollars. You mentioned the 10 million sale last week gerri thats a lot. Thats a lot. The stock market is approaching all time highs. That was an all time high for a single coin, but the range of prices are vary greatly from a few dollars on up. Often, rare coins are not necessarily expensive coins. You have greek coins. You have roman coins that are available, thousands are available, and they are not very expensive. Indian pennys, a hundred years old are not that expensive because they are a great number. Theres two gradeing services that grade the coins, pcgs and ngc, and the rarer the coin, the better the condition, the more valuable it will be. Gerri all right, marshall, you said the conditions important, but what other thing am i looking for . You said rarity is not necessarily a reason that a coins valuable. What makes a copy worth a lot of money . Scarcity is a major aspect of it, and condition of the coin. You can two coins of the same vintage, same era, and they will have different values because of the condition. Maybe its a coin thats been out in public usage versus one thats still fresh from the mint a hundred or 150 years ago or 50 years ago so the condition of the coin, the scarcity of the coin, what they call the how much population. Are there a hundred coins out there, a thousand, or a million of that make and year. Gerri get a dealer, make sure you know what your dealers doing, and then get a lot of advice, obviously. Marshall, thank you very much. Yeah, and if it looks too good a deal or if you get a phone call or if its on the interpret, check it out. Unfortunately, theres scams and fakes available in the coin market. Gerri sounds too good to be true, it probably is. True, it probably is. Thank you for coming on, and all stations come over to mission a for a final go. This is for real this time. Step seven point two one two. Rify and lock. Command is locked. Five seconds. Three, two, one. Standing by for capture. The most Innovative Software on the planet. Dragon is captured. Is connecting todays leading companies to places beyond it. Siemens. Answers. [beep] [indistinct chatter] [kids talking at once] [speaking foreign language] [heart beating] [heartbeat continues] [faint singing] [heartbeat, music playing louder] im feeling better since you know me i was a lonely soul, but thats the old me. Announcer this song was created with heartbeats of children in need. Find out how it can help Frontline Health workers bring hope to millions of children at everybeatmatters. Org. Gerri a waitress fired for posting a recede online showing onof her customers not paying the mandatory tip on their large parties meal. We told you about it earlier, but should restaurants make gratuity part of the bill . Drizzle some of your posting and my facebook page. Absolutely. You have a big group. Incredible work and notorious for assuming somebody elses tipping and nobody does. John says, no way. A gratuity is earned, not given, much like respect. Since when the folks think they are entitled to do nothing. And, now she has credibility, i used to be a waitress. I think the mandatory gratuity cut specter to. People seem less likely to be generous when they are already being charged. We asked the question on gerriwillis. Com. 9 percent said yes, 91 percent said no. Im with you guys. Be sure to log on to gerriwillis. Com for online question every weekday. And we get to read some emails. Larry from arizona says, i have a problem with congress. Why is it that they do not separate the house and the senate . If they did then we would have a better idea of which party