Paralysis. The exciting results come from a new technique which uses electrical stimulation of the nerves. We have doctor from National Institute of health which took part in the study. Dr. Gray, thanks for coming on the show. Tell us how this Technology Works . Thank you very much, gerri, im glad to be here. So this Technology Uses spinal stimulation. It takes off the shelf technology, which medtronic has developed to simulate the surface of the spinal column. Those these patients who are severely injured with spinal cord injury are implanted with spinal stimulation electrodes and these electrodes send signals to move the legs. Gerri people are moving their legs. They are wiggling their toes. People who thought they would never have hope for doing that will these people walk again . Well, of course that is the ultimate goal. But please remember, that this is the first step in a very Long Research study which we at the National Institutes of health and in particular, my institute, the National Institute of biomedical imaging and bio engineering funded. So this is a first step translating decades of fundamental basic Neuroscience Research to the clinic and to humans. Gerri interesting. So, essentially what happens, and keeping in mind here, there are some 23,000 people with spinal cord injuries in the u. S. But in this research, what youre doing is essentially implanting a box, in peoples backs. Now, would they essentially wear this their entire lives . What is the plan . How do you extend what has been incredible performance so far . So, this again, is a Research Study in which the device is implanted in the body. The next step actually is to look at other types of technology in which this stimulator may not be actually implanted in body, but surface of the spine call cord or to the neck. Gerri wow, so lots of changes yet to come. My understanding that so far you havent solved the problem of moving both legs. You can only move one at a time. So it is baby steps quite literally here. What else needs to be done . What other problems you need to solve to make this more robust as a solution . The researchers are developing new technologies. Theyre improving the stimulator itself so that we can, so that they can program more efficiently how to allow the different parts of the legs to move more efficiently. As i said, were also developing a new stimulator that is applied above the skin, on the surface of the spine call cord and the neck. And youve been saying that this is not a cure but, boy, it must feel like heaven to the people involved in the study. Youre just Getting Started here. Well have to keep an eye on this. Thanks for coming on the show tonight. Great to see you. Oh, thank you. Gerri good luck with your study. Thank you. Gerri awesome stuff. Thank you very much. Gerri well, from medical innovation to food safety, food safety advocate cates were on capitol hill today trying to stop chinese chicken from coming into this country. Last year the federal government, if you remember this, we reported it, lifted a ban on imports of processed chicken from china even though we cant guaranty the foods safety. Tony carbo from food and water watch was on capitol hill. He joins us. Tony, thanks for being with us. Weve had questions about this for a long time and i know you were bringing up a lot of the issues around this processed chicken. Actually it doesnt come from china but its processed in china. Let me tell you some of the things, some of the reasons that we were concerned if youll remember. There was mercury in baby formula, the tainted milk powder. These are stories we heard over the years. Rat meat sold aslam be. Tainted pet treats. Of course the famous images of 16,000 pig carcasses dumped in a river. Should we be concerned from your point of view. Yes a lot of those same issues exist because the food Safety System in china still has not been improved. So we w on capitol hill today to educate Congressional Staff about the food safety issues in china and to try to garner support for amendments to the usda appropriations bill this year to put a halt to this. Gerri i just dont understand. We have a problem with chicken in this country already and that is domestically produced chicken. There are some instances of salmonella, all kinds of poisoning going on all over the country, big issues. Consumer reports released a report not that long ago, that most of the chicken you picked up in the Grocery Store had a problem that if you dont cook it correctly, you will be in trouble. Why do we want to bring in processed chicken from china . Well this really revolves around a trade issue. Back in 2003 we had a case of mad cow disease with one cow in washington state. And that one cow stopped our exports to most of the rest of the world of our beef. China was one of the countries. And so when usda went back to our trading partners asking to reopen beef trade, china said, well, if you want us to take your beef, youre going to have to take our chicken. That was in 2004. Those discussions have been going on since then. Gerri but at what price . I mean, you know, i understand the politics of the thing but do we really want to endanger American Consumers and possibly schoolchildren . Heres my concern. So this is processed chicken, right . So it is not necessarily will be labeled where we find out. You say, no, no the chinese processed chicken. I will take the u. S. Processed chicken. Consumers may not have a choice. Absolutely. Our country of origin labeling laws and regulations are limited to raw product. So if its a cooked, if it is cooked it is considered to be processed and country of origin requirement, country of origin labeling requirement is eliminated. This dont have to label it. Gerri weve been talking about this so long for this issue. Seems to me it gets worse and worse. I think people would be surprised to know, there will not be any fd aft inspectors over there, right . We dont have people on the ground saying youre doing the right thing, we like your processes, everything is clean, right. Absolutely correct. Usda will not station inspectors in those processing plants when they cook or bread the chicken to send back to the United States. So were not going be assured, well not going to be assured were getting back a poultry that was either raised in the United States or canada or chile. Those are the three approved countries that can send raw product to china, for them to process to send back. Now you brought up the example of the rat meat that was being sold as mutton. It wont take a Rocket Scientist to disguise chicken raised in china for chicken that is raised in the United States and send it back to us. So this is, this is a big concern for us. That theres going to be, there will be loopholes in this system. Were not going to have adequate checks and were going to put, our consumers at risk. You raise a very good point. We have enough problems with our own poultry in the United States. Why should we import somebody elses . Tony, i got to tell you, i think people would be shocked to hear what you just explained. The amount of frequent flyer points these chickens will have. I guess they travel by cargo container ship. But they go everywhere, right . These are not even chickens that necessarily come pro usa, right. Correct, absolutely. They can come from canada. They can come from chile and they can send them to china. The meat is processed and sent to the United States. Gerri unbelievable. Just surviving transportation, makes you wonder about the safety of the food once it reaches the u. S. Tony, thanks for coming on the show. Appreciate your time. Thank you very much for having me on. Gerri thank you. Still to come this hour, another couple take as willis report cash challenge, vowing to go credit cardfree. Well hear the man taking on General Motors. There he is. He is demanding all recall cars to stay parked until theyre fixed. Well talk to him. So ally bank really has no hidden fees on savings accounts . Thats right, no hidd fees. Its just that im worried about, you know, hidden things. Ok, whys that . Well uhhh. Surprise um. Well, its true. At ally there are no hidden fees. Not one. Thats nice. No hidden fees, no worries. Ally bank. Your money needs an ally. Why relocating manufacturingpany to upstate new york . I tell people its for the climate. The conditions in new york state are great for business. New york is ranked 2 in the nation for new private sector job creation. And now its even better because theyve introduced startup new york dozens of taxfree zones where businesses pay no taxes for ten years. Youll get a warm welcome in the new new york. See if your business qualifies at startupny. Com i and i got the tools ira to do it my way i got a lock on equities thats why im type e thats why im tyyyyype eeeee, i can do it all from my mobile phone thats why im tyyyyype eeeee, if i need some help im not alone were all tyyyyype eeeee, weve got a place that we call home were all type e gerri last week, General Motors, mary barra shade she woe allow her son to drive one of recalled gm cars only if he used ignition key alone. Our next guest says that is not to make the car safe. Joining me personal injury attorney robert hillard. Thanks for joining me on the show. This is fascinating story. You say you have a client who had trouble with their gm car and they did not have the big heavy key chain that we heard so much about. Tell us about her. Thats right. So, General Motors told all of their customers in their recall letter that even if you dont have anything on your key chain, if you hit a rough patch of road or have a sudden jarring event such as a pothole, this could still occur. Even if you do everything they say in regards to the key. So mary barra tells senator blumenthal on the senate floor, you show me one instance of this happening. When it is just the key and no weight and i will ground the entire fleet in the United States. Gerri tell us about your client. You have somebody who actually experienced this. What happened . Yeah. I have three of them. I have a client that got the recall letter, took all the weight off the key. Was driving to walmart and, suddenly her car died. She had no steering. Fortunately she wasnt involved in an accident. So again i sent her statement to the ceo and said, live up to what you said you were going to do. Gerri and you have other clients as well. So, what youre saying is this whole problem has been mischaracterized as an issue of just the heaviness of the key chain. That is all we really heard about, lets face it, causing problems with airbags not deploying, the car essentially going dead and people, 13 deaths, 300 accidents. Lots and lots of problems. What do you think should happen . What are you asking this Federal District judge to do . To order gm to issue a park it now alert. Listen, gerri, there are two million vehicles right now on the roads of the United States that have this defect. And they can not yet be repaired. So regardless of how safely you drive, when you go home tonight after this show, a cobalt could lose control and hit you head on. There is nothing you can do bit. Gerri and as a matter of fact there is no safe way. Gerri as a matter of fact, senator boxer has said, you know, we just dont need to recall cars owned by American Consumers. We have to recall cars owned by rental companies because people are renting these cars and could be having some of the same problems. Bob, i want to ask you a question. News flash this afternoon. We got it in earlier on the network. Gm is being penalized 28,000 by nits sachs the regulators for failure to respond to questions that they asked them last week. These answers were turned in. They were not complete. What do you make of that . You know thats a perfect example of nhtsa being unable to regulate this huge car company. Thats the same me telling you to go to your purse, pull out a penny and give it up as a fine. You know, generalot has 24 billion in cash on hand. You know, that kind of fine, it is cheaper for them not to comply than it is to comply if that is the kind of fine they can expect. Gerri so youre waiting on the judge. You dont have a response now. When do you expect some kind of a response . Late friday, early next week. Shes looking a the evidence and she has asked for more briefing and so my hope is, given that this is current, ongoing, Public Safety issue, literally as we speak right now, that were saving tomorrows victim by her issuing an order demanding that gm send this notice. Gerri well, i got to tell you, we have a long way to go on this story. Thanks for coming on the show. Appreciate your time. Maybe you should next time bring one of the folks who is making this claim that single key alone can create problems for these gm cars. Thank you so much for coming on. Happy to do it. Youre welcome, thank you. Gerri coming up, do you, do you trust your tax preparer . New efforts to stop predatory tax preparers. Some people say more regulation is needed. Is it . And next our users guide to education. Which College Degree gives you the most bang for your buck and which ones are a costly mistake . Well have answers. Stay with us. dad well, weve been thinking about it and were just not sure. agent i understand. dad weve never sold a house before. agent ill walk you guys through every step. dad so if we sell, do you think we can swing it . agent i have the numbers right here and based on the comps that ive found, the timing is perfect. Theres a lot of buyers for a house like yours. dad thats good to know. mom im so excited. My dad has aor afib. Brillation, he has the most common kind. Its not caused by a heart valve problem. Dad, it says your afib puts you at 5 times greater risk of a stroke. Thats why i take my warfarin every day. But it looks like maybe we should ask your doctor about pradaxa. In a clinical trial, pradaxa® Dabigatran Etexilate mesylate . Was proven superior to warfarin at reducing the risk of stroke. And unlike warfarin, with no regular blood tests or dietary restrictions. Hey thanks for calling my doctor. Sure. Pradaxa is not for people with artificial heart valves. Dont stop taking pradaxa without talking to your doctor. Stopping increases your risk of stroke. Ask your doctor if you need to stop pradaxa before surgery or a medical or dental procedure. Pradaxa can cause serious, sometimes fatal, bleeding. Dont take pradaxa if you have abnormal bleeding or have had a heart valve replaced. Seek immediate medical care for unexpected signs of bleeding, like unusual bruising. Pradaxa may increase your bleeding risk if youre 75 or older, have a bleeding condition or stomach ulcer, take aspirin, nsaids, or blood thinners. Or if you have kidney problems, especially if you take certain medicines. Tell your doctors about all medicines you take. Pradaxa side effects include indigestion, stomach pain, upset, or burning. If you or someone you love has afib not caused by a heart valve problem. Sk your doctor about reducing the risk of stroke with pradaxa. Gerri next colleges and majors not worth the money. Were breaking down the best and worse degrees for return on your investment next. Gerri our users guide is heating up tonight. Were helping students, parents, even grandparents finance a college education, everything from appealing your subpar aid packages to digging up free money. First were helping you get the most bang for your college bucks with cal cheney, founder and president of campus consultants. The author of the book, paying for College Without going broke. Great to have you back on the show. Always nice to have you here. Thank you. Gerri this is the tile of year, mom, dad, kids, get your acceptance letter, package for money, you find out how much money theyre willing to give you. What should people think about in terms of affordability though . What can families afford . How do you do that calculation . One thing for people, that is somewhat individual thing what you can afford to pay and that depends on priorities but one thing to be careful about is amount of debt. Parents say, students can borrow, well could sign the loan and let them take care of later. Never borrow the course of the degree more than the average salary of the degree or career youre interested in. Gerri totaled debt should not be more than first years salary. That you can figure it out. That will be tough for some people in some careers actually do. What careers really pay off for students. Those tend to be the stem careers. Now those require a lost discipline, prep work. Stem is the science, technology, engineering and mathematics. Some of those are even liberal arts disciplines. The mathematic, but those are very rigorous courses of study. The average starting salaryies are quite high for those jobs if you can get them. Those programs gerri a lot of ceos are pushing the next generation go into these fields. 28 now going into stem careers, up from 20 in 1997. Were seeing more and more students do it but i have to tell you, there are some really sting codegrees out there, that people spend a lot of time and a lot of money getting. What are some degrees that really dont have payoffs. It is in part depends on the student but of course gerri yeah, thats true. Liberal arts are difficult. Some are lowpaying professions. Art, that doesnt say one shouldnt do that but you should not be borrowing a large amount of money assuming you will make the huge big bucks to get out to be able to sustain that debt but soft skills, no matter what you have, that is very important. Whatever you major in. That is big lacking thing with employers, students lack soft skills, critical thinking, communication skills. Important they develop those regardless what they major in, they will have better shot getting a job when they get out. Gerri salary. Com reports worst jobs for return on investment, communications, hello, a lot of people in this build having that. Psychology,m, religious studies and and i know a lot of people in category number five. Not a lot to make money there. That is not what people are going for. If you look at schools for best return on investment, same schools all over. Harvey mudd college, mit. Tell us about the schools where graduates do super well. Top five schools to pay scale, harvey mudd, mit, caltech, stanford, Stephens Institute of technology. Those of course have high returns on investmented because they tend to be schools where there are large stem graduates, a percentage of the graduates. That is one thing to bear in mind, somewhat selfselecting. Students are primarily in the highpaying majors that they go there. In terms of looking at return on investment you want to look at your aid package. What are you actually paying . Then avoiding the debt so that if youre going to school where you dont incur with a lot of debt you have more flexibility majoring because youre not tied down to certain career because you have to pay off a student loan. Gerri talk about some of the things people do wrong when applying for aid. Let me tell you, some folks will look down and look at package they get and have to go look more aid. Some mistakes are silly like putting down wrong Social Security number but beyond that what are some of the mistakes people make . They also think somehow this is altruistic charitable thing. They dont realize its a business decision when youre applying for financial aid. When the college wants you and attractive you which get better gerri youre a product, the student is a product in the marketplace. People think youre looking at colleges but theyre really your target market, they selected where you live, s. A. T. Scores and target you as likely student to go to the school. You need to be savvy with the process. When you strip away ivy you basically have a business and college will not show you how to maximize your eligibility for it. You need to do the homework, know how the formulas work. Best case advantage. File forms on time. Big mistake is waiting to be accepted at a school, to apply for financial aid. Some people wait too late. They miss priority deadlines. Those are by each school. Gerri you can still apply. Kal cheney, thanks for coming on, great advice and great perspective, thank you. We want to know what you think. Here is our question tonight. Are too many College Degrees not worth it . Log on to gerri willis dotcom. Vote on the righthand side of the screen. I will share the results at the end of tonights show. Most common majors are Business Administration and psychology according to the Princeton Review but students are looking for something different. In tonights top five, the most unusual College Majors, number five, theme park engineer. I didnt know you could study that. Cal State University at long beach will give you a degree for designing and building theme park rides. Number four, bakery science. They spend most times testing ingredients in finished products. Grads can work in bakeries and work on development. Want a Class Schedule involving Whitewater Rafting and major for you. This could be fun. This could lead in Environmental Education or outdoor leadership. Whatever that is. Number two, bowling management. Offered at Benson University in indiana. This is the only program of its kind in the country. Students pick one of three leans. Bowling center management, sales and marketing or pin setter mechanics. Most unusual College Major is puppetry, inspiring puppet masters can hone their craft at university of connecticut . Really . Grads go on to perform and design for theaters and out outlets around the world. You need a degree in that . I had no idea. Still to come. She is a force in the publishing world and here to share her thoughts about the challenges in print. Another couple will take our cash challenge. They will share their story. And how theyre going credit cardfree and how you can too, coming up. [ male announcer ] help brazil reduce its overall reliance on foreign imports with the launch of theountrys large petrochemical operation. When emerson takes up the challenge, its never been done before simply becomes consider it solved. Emerson. Before those little pieces would get in between my dentures and my gum and it was uncomfortable. [ male announcer ] just a few dabs is clinically proven to seal out more food particles. [ corrine ] super poligrip is part of my life now. To seal out more food particles. When folks in the lower 48 think athey think salmon and energy. A, but the energy bp produces up here creates Something Else as well jobs all over america. Thousands of people here in alaska are working to safely produce more energy. But thats just the start. To produce more from existing wells, we need advanced technology. That means hitech jobs in california and colorado. The oil moves through one of the Worlds Largest pipelines. Maintaining it means manufacturing jobs in the midwest. Then we transport it with 4 stateoftheart, doublehull tankers. Some of the safest, most advanced ships in the world built in san diego with a 1 billion investment. Across the United States, bp supports more than a quarter million jobs. And no Energy Company invests more in the u. S. Than bp. When we set up operation in one part of the country, people in other parts go to work. Thats not a coincidence. Its one more part of our commitment to america. Fiftyseven. Gerri a cash challenge in full swing we asked if you could drop the plastic to live off of just dash . Our first couple last week from colorado agreed to take on the challenge and here is how the first week when it. We want to show you. This is how we track our cash on a weekly basis. We spend our money into the jar then at the end of the week to see how were doing. Decided 6 00 in the morning i amanda drive your i have 13 to my name and i realize to things never mind item addicted to starbucks. Member to i spend way too much on starbucks. What about paying gas and cash forecasts . To make a worse time . Taking too much time to walkin. We have budgeted 60 for the weekend we have almost went through all of the of money. I already feel the control having them right in front of me we had that with our old budget but i feel that cash makes me feel more in control summit will be fun to see how this goes. Gerri what a performance. I like the jars to organize the many. We will continue to follow them as the weeks go on but we have another couple to has decided to go cash only. Fellow who we are from colorado springs. We have three children i administrator for a Sheet Metal Company and we recently moved here five months ago. My wife is a stay at home moms. We have been married 22 years with for credit cards we have used every would like to pay those off we are excited to take the cash challenge. Gerri a great looking family. They join us now. We appreciate your time. What a good looking family. Sincerely. Id you decide to ditch the creditcard . It is probably my fault we have the credit card so i thought it would be a great idea to take them motivational challenge to do something positive. Gerri when do you think we will accomplish and what it are your biggest concerns . What we hope to accomplish is to train our children this is very easy to overspend my biggest concerns no purchases online i am not sure how that can be done with cash. I hear about the strategy they use some people buy gift cards and then use that. There is a lot of ways or paypal that people try to shortcut the problem. But you said this is your issue but icu really mean you are a mom and dad do most of the shopping . Day you think use a a creditcard distances you from what you spend . It does. With a creditcard i can put everything in my car title after worry if i have enough cash. So i think this will be more focused not just to we get all the time. Gerri you have 18,000 of creditcard debt. That is not too surprising that i guess you want to whittle that down . Absolutely. A little bit of some of surprised how much we did have. So i had been tracking when so this is a good chance for us to work hard to get out of debt completely. Did you not to share that information . [laughter] i think i can handle things on my own and i dont want to detail him. Gerri but creditcard debt goes up so quickly. You buy a couple of things then if you dont pay off right away with the fees and interest escalate. Are you building a budget . Will you try to control the spending . We have done cash in the past we actually did the envelope system to put money into the and the local for the week. We might go to that that is a good way to keep track as long as you know, steel from one to pay the other. [laughter] also looking at getting cash tender and spending under control. Gerri we had your Monthly Expenses they are much lower they in your economy looks like there is room to pay this off. Your income is over 7,000 your expenses are 3,000 a year and you even have some savings. We have too full screens on this. As you look for word you want to show you do the right thing by d you have other the goals . Maybe a trip. [laughter] we have done some in the past one year ago we did a two week trip to the panama canal. We want to put away money instead of borrowing. Gerri you are terrific a and it thank you for helping us out and going along with us. They accuse so much. Thank you so much. Gerri we are still looking for those who want to go creditcard free. Go to gerriwillis. Com send me an email or arent twitter also facebook. Come on the show go cash only a credit card three. Later new warnings over the head in fees and other prepaid debit cards. Coming up our exclusive interview with the director of hearst magazine. Stay with us. Why relocating manufacturingpany to upstate new york . I tell people its for the climate. The conditions in new york state are great for business. New york is ranked 2 in the nation for new private sector job creation. And now its even better because theyve introduced startup new york dozens of taxfree zones where businesses pay no taxes for ten years. And now its even better because theyve introduced youll get a warm welcome in the new new york. See if your business qualifies at startupny. Com can you start tomorrow . Yes sir. Alright. Lets share the ws tomorrow. Today we failrly busy. Tomorrow were booked solid. We close on the house tomorrow. I want one of these opened up. Because tomorow we go live. Its a day full of promise. And often, that day arrives by train. Big day today . Even bigger one tomorrow. When csx trains move forward, so does the rest of the economy. Csx. How tomorrow moves. announcer scottrade knows our and invest theieir own way. Withcottrades smart text, i can quickly understand my charts, and spend more time trading. Their quick trade bar lets my account follow me online so i can react in realtime. Plus, my local scottrade office is there to help. Because they know i dont trade like everybody. I trade like me. Im with scottrade. announcer ranked highest in Investor Satisfaction with selfdirected services by j. D. Power and associates. Gerri of fox business exclusive on the companys rebuilding manhattan joining us live from Hearst Corporation is interviewing the editorial director for hearst magazine. This is the magazine that has changed so much. Everything is Going Digital but some are thriving. Lets bring her in a right now for rival taking back 16 years ago to the o magazine. That is but i was the editor of Good Housekeeping at that time and it sold like crazy. I talked with the corporate chief here at that point to say a think we have the magazine. , so oprah invited us out it is still selling really well very well. The assumption now is magazines the circulation is down with pressure because everything goes digital but that is not always the case . Let me just say magazines are all live me and striking at the Hearst Corporation. We sell about 31 million copies of paid magazines every month. See you are paying ferrites. I will tell you we are the largest publisher in the United States. We are a great believer to move forward. Never stuck in the bledsoe five years ago it was a very important effort to develop digital. You Just Launched the good life with the doctor is. Earlier today of fox business they said health is a big approach for hearst magazine but you said this fall off the show was. Did that surprise you . It is what you hope for when you have any idea you want to prove there is an audience to test the launch a and the idea before into full production. So we sold out 375,000 copies of the magazine in about four weeks then we went back to press for another 80,000 and we have sold to a moderate thousand at this point. Mostly it is women . Women loved doctor is but we research before we spend the money and they trust him so for her to have respect for somebody that vilifies them light dr. Oz does the good life you need to the female readers. Lets bring in his gerri willis. You used to work in the magazine industry and what do you think of the business . Gerri full disclosure i used to work for her. They were my boss and of course, i know alan. When is interesting is the trend to with the bigger than life personalities wrapping them magazines around that. How did they choose them or figure out the bright kind of person . Is there certain characteristics . First off she says hello. [laughter] how did you choose with those that will sell all of magazine. You discussed oprah of but who else . A food network or homes and Gardens Television magazine but hearst magazine is a good partner we have looked for partners to launch with. But the thing about it is they have to have something unique about them or about that magazine that doesnt desist on the newsstand. We think about it a lot a and fallen in love with our ideas to sit back and say why wont they . You can convince yourself of something positive but you needed to know how to create an original product that does not exist that women will buy because they will if they need it. Of our partners Like Food Network has been terrific carters we Work Together to test product so we do we will get the full subs were 1. 7 million with the of magazine Like Food Network hdtv is only 02 years and is already profitable because it has a good following. And hope that the answers your question learning how they have been so successful as i walked around with my ipad i still like the magazine. But our readers do like to read online it sometimes the of 1. 2 million in readers great to have you. I hope your viewers have learned something that Everybody LovesGerri Willis Gerri she runs everything from cosmo to car and driver. She is impressive think you for bringing on to the show tonight. Heres a question to you really trust your tax preparer . Taking center stage as lawmakers look into predatory practices. Peter barnes is here with the latest there are seven 1000s registered with the irs to prepare tax returns of more than half are uncontrolled prepares often not cpa or opted not to regulated in any way with the explosion of tax preparation programs it could be a friend or a neighbor to get you help at their dining room table. With 80 million tax returns at least half from a pate prepare an estimated half of those of that is not regulated the government has tried to crack down for several years. Some of them are accused of charging excessive fees a year and mistakes and outright fraud. Is an egregious cases they calculate the refund and skip the wine that shows he did the work then after the tax payer leaves they boost the refund the thin pocket the difference. Worst of all homeless the taxpayer can improve what can happen they are on the hook for the monday when the irs finds out he. More oversight got ammunition today from the lead gao investigators poising as waitresses it mechanics had an undercover review those that were not cpas or lawyers and in 70 cases there were refund fares ranging from getting the taxpayer 52 less or more than they were entitled to. But there are critics of minimum standards to say they could raise prices is a fondness it had to do regulation may not stop the crooks who want to commit fraud. A lot of those moms and pops cannot afford this Regulatory Burden for sure. Still too, not all prepaid cards are equal. Coming up. A short word thats a tall order. Up your game. Up the ante. And if you stumble, you get back up. Up isnt easy, and we ought to know. Were in the business of up. Everyday delta flies a quarter of Million People while investing billions improving everything from booking to baggage claim. Were raising the bar on flying and tomorrow we will up it yet again. [ male announcer ] youre watching one of the biggest Financial Services cpanies in the country at work. Hey. Thanks for coming over. Hey. [ male annouer ] how did it come to be . Yours . Ah. Not anymore. Its a very short story. Come on in. [ male announcer ] by meeting you more than halfway. Its how edward jones makesense of investing. Gerri prepaid debit cards we have been critics for a long time but news may change your mind. We have of bank rate. Com here. The big study on this what is your primary finding especially with the fees . Good news. What we see is a continued evolution of the market place whereby we see new offers coming to market that is more transparent and a lower. Over time it could marginalize the hifis cards that were characteristic for so long. Gerri transfers also about what is the primary trend . We saw a long period a tie with celebrities coming now with sky high fees. The cave in to challenge that . Interestingly we see a lot of the Large National and regional banks are coming in with not only the more transparent Fee Structure but the monthly fee is much lower, they dont charge the other a ancillary fees are sometimes waive it based on direct deposit. So a Good Opportunity for consumers also to help leverage the atm network because you can use that for free cash castrati and freeloads of that is a compelling offer for those who may not be able to get a Checking Account or avoided the overdraft. Gerri who has the lowest fee is . To make the best card it depends on how you use it to i do think the most compelling offers for the majority are going to me that of these offered by the banks that just have a flat monthly fee and not the ancillary charges. To couple the findings you said take charge monthly fees. Have have the activation fee . Period yes. A onetime charge. There a when dash they will charge a fee to activate. Stay away from of a card that charges both the monthly fee in reactivation fee. We did see some instances it was a wonder the other. So focused on one monthly fee not to pay an array. Do not call because you will pay. A high fee cards that were so popular one of the staples was a Customer Service fee if you called. They are still around but they are marginalized so it is much less common now with the ec the more competitively priced. Gerri the law was come from the big banks fis from the celebrities. Thank you for putting it into perspective. Gerri we will be right back. Why relocating manufacturingpany to upstate new york . I tell people its for the climate. The conditions in new york state are great for business. New york is ranked 2 in the nation for new private sector job creation. And now its even better because theyve introduced startup new york dozens of taxfree zones where businesses pay no taxes for ten years. Youll get a warm welcome in the new new york. See if your business qualifies at startupny. Com maestro of project management. Baron of the buildout. You need a permit. To be this awesome. And you. Rent from national. Because only national lets you choose any car in the aisle. And go. And only national is ranked highest in car rental Customer Satisfaction by j. D. Power. aaron purrrfect. vo meeeow, business pro. Meeeow. Go national. Go like a pro. We are thinkers. The job jugglers. The up allnhts. And the ones who turn ideas into action. Weve made our passions oulifes work. We strive for the moments where we can s, i did it we are entrepreneurs who started it all. With a signature. Legalzoom has helped start over 1 million businesses, turning dreamers into business owners. And were here to help start yours. agent i understand. dad weve never sold a house before. agent ill walk you guys through every step. dad so if we sell, do you think we can swing it . agent i have the numbers right here and based on the comps that ive found, the timing is perfect. Theres a lot of buyers for a house like yours. dad thats good to know. mom im so excited. Gundyes n group is a go. Not just a start up. An upstart. Gotta get going. Gotta be good. Good . Good. Growth is the goal. How do we do that . I talked to ups. Theyll help us out. New technology. Smart advice. We focus on the business and they take care of the logistics. Ups . Good going. We get good. Thats great. Great. Great. Great. Great. Great. Great. Great. Great. all great i love logistics. Neil . Gerri finally the cash challenge you met the new family. They will forgo the creditcard data and use cash that takes a lot of planning in the coming weeks we will ask you to follow our families and hopefully you will decide to join well. Send us an email or follow me on twitter or facebook. That is it for the willis report. We will see you tomorrow night. Neil why are democrats pushing tax hikes on the nation when theyre own constituents are in trouble if it is a tax breaks to the rescue . Welcome, everybody. I am neil cavuto. Democrats who refused to eat their own reporting. But the latest budget proves where the 1 trillion of more attacks and is no surprise like liberals one trick pony intel they need to find another tony. Take chuck schumer. Please. [laughter] never met dutch tax he did not like