The news comes as more and more children report to hospitals and doctors offices across the country with cases of poisoning from these very products. But is the fda move too little too late . Joining me the doctor who first told us about the injuries, gaylord lopez, director of the georgia Poison Center. Doctor, welcome back to the show. Great to have you here. Fda announcing, people using ecigs, have to be at least 18 years of age. A Health Warning is required. You cant sell these things in vending machines. They have to register all products an ingredients with the fda. No more free samples. Which is i find things interesting. That is great way to help people get hooked. Do you think the food and Drug Administration has gone far enough . The right steps have been taken. Those of us in the Poison Center world want to see a few more. They include putting hazard or warning labels that reflect this stuff can be very poisonous, if just touched on the skin. Precautions about handling. Probably more important than anything, mandating that safety caps or some type of child resistant enclosure is put on the little droppers of liquid nicotine because thats where the problem lies. Gerri absolutely. Those refillable cylinders, that is what is creating a problem for so many kids out there. Tell us what the kids are doing . It is very dangerous. A lot of people are not aware how poisonous, toxic this liquid nicotine is. Theyre attracted frequently to the smell of some of these liquid nicotine products. You find smells and flavors like coconut, strawberry,. Gerri bubble gum. Bubble gum. These to unsuspecting childing look like, smell like and taste like something good to drink when in fact it is poison and just a few drops can be really toxic. Gerri weve been talking a lot about how many people have been hurt with these ecigarettes. Lets be clear here. This is unintended use of this product, right . Some kids break open one of vials . Right. Gerri drinks it and rolling around on somebodys bed and breaks open and rubs bense the skin of someone. That is typically what happens. You have told us that lots of calls to Poison Centers, your Poison Center now, how many are you getting and how much are the calls up yearoveryear . When you look at national data, in 2013, we had just over 1400 calls. Already through, not even the end of april, nearly 900. In my state, weve double already what we saw all of last year. So these things are going to happen. If we can tell parents to be a little bit more careful, put these things up and out of the reach, they wont be in the way of that unsuspecting child. Gerri gaylord, i have to say though, i have some suspicions about the ability of the fda to take care of this problem. I will tell you why. A lot of states already say you cant sell ecigs to anybody under 18. Seems to me theyre still getting ahold of this product anyway. What needs to happen . Well, with the regulations, i mean certainly it is going to restrict. The thing is, were not going to stop these folks from getting these products. For us its a matter making sure theyre stored properly because a little bit here can go a long ways. Were talking about not only making kids ill, but also in some cases making them have severe symptoms that are difficult to control. Gerri so your advice tonight to mom and dad, lock the stuff up if you have it in the house. Make sure kids cant get ahold of it. It naturally attractive to them, right . Pretty colors and smells good. Exactly. Here is what we do as adults. We leave it on the desks and kitchen table. And thats where these kids and when theyre within easy access of these products theyre getting into them. Theyre attractive. They smell great. And they even taste great. Thats whats dangerous. Unbelievable. Gaylord lopez, thanks for coming on the show tonight. Good to see you again. My pleasure. Gerri big day for ecigs. Thanks for being on. It was also a very big day for the internet. The federal government just ruined the internet. That is what some consumer groups are saying the fcc said it is aokay for companies to get preferential treatment on internet. The fed insists it is new proposal makes it fair for everyone. In other words, that everyone is equal but some are more equal than others. We have mashable editorinchief, lance ulanoff. Lance, Net Neutrality is dead, is it not . If you talk to the fcc they never called it Net Neutrality. They call it open internet. Gerri yeah. Open internet rules. There is no Net Neutrality, as of january 14th, they lost in court there is big gap. The fcc is scrambling to try to reconstitute the rules. What we learned it is same rules they had before. Gerri same rules, this is big win for cable. Heres what they said. They said look, if you want to accept payments from content providers on the web, lets say hulu, lets say, anybody, you name it, netflix, you can do that and what weve seen in the past, netflix has paid for special acts to comcast. They paid a big price tag. And turned around and said, consumers you can pay more money. They raised their prices. On the netflixcomcast things a whole bunch of different stuff going on. That is peering agreement, server to server. Two networks talking to each other. In fact the fcc never covered that in their their open internet. The thing most concerning about the plan they have is the language they use now. They talk about commerciallyreasonable. So it was kind, before it was reasonable. What was reasonable for everyone on the internet. Now it is commercially reasonable. That word is really fraught with all kind of meaning. Is that companies . It certainly doesnt say consumers. Gerri the way i read this is somewhat different, and i spent a lot of time studying this today and it looks to me like if youre a small player in this field you may get hosed. People will not have access to your content to your material like they will have access to the Big Companies that can afford to pay for the freight. Netflix, 30 of the traffic in the evenings, right . 3 of the traffic. Theyre 33 of the traffic. Theyre dominating. Who else can play . Only a handful . Who else can pay money to potentially have the deal. That is a big question mark. They dont address them because they are network to network. They would go into different network. Now they go into another one. Gerri i dont care whether as a consumer about lit it is networks to network. Ultimately i am concerned whether i pay for more that. I have to tell you everything i read says yes, you will. There are no rules. Which is good and bad. Bad because there are no rules and what are people going to do . Good, because they havent done much with the exception of netflix an comcast which officially does not fall under that same definition of Net Neutrality as far as the fcc is concerned. But the problem we have right now is there so so little real information about what this plan is going to do but they did say they, one thing they were pretty clear about. They wont let anyone block lawful content on the networks. Again gerri if you find it, if you get it, if it can get to your ipad if isp is blocking it that will be unlawful. Gerri you see that as breakthrough . I think that is very important theyre holding on to that piece. Dont think they have done a ton of new writing here this is more or less the same thing they had in january but they wanted it to pass judicial muster. They didnt want the court to be able to knock it down. Gerri i think it is more different than that big debates because first of all, this isnt even law yet, right . This is a proposed rule. Out for conversation. People will make comments. Let me tell what you wheeler said, fcc chairman, chairman. Federal communications commission. Behavior harmful to consumers competition by limiting the openness of internet will not be permitted. That is just what you were referencing. Thats right. Thats right. He is definitely saying that he wants to protect consumers. The problem is the rules he is setting in place dont necessarily do that. They seem to leave too much leeway for companies, for isps and content creators to do things that could ultimately harm your access to the internet and i think that is the big problem. He needs the language to be clearer. He needs it to be absolute, not a bunch of tests. You know, is it anticompetitive . Is it bad for consumers . I dont know. Does it infringe on free speech . Are they engaging in good faith practices . By the way, could you define what that is . I cant. Gerri you know the business for sure. Thats right. Gerri but the internets not free anymore, lets face it. Those days are over. Its done. If you think of the internet as a place where people go to have open debate and communication and conversation, maybe not . Well, it is definitely changing. By the way, i dont think the fcc does a really good job how the internet is ink thatting. Were doing more and more on surface on mobile devices. They barely addressed that. They dont change anything when that is the world. They have to make one world forrering on the desktop and mobile all together and get it right so people can have access to what they want. I got to tell you, i think they sold us out. Think that is exactly what happened with this Big Companies are going to win but consumers are going to pay. There is still time to talk about this. There will be months before anyone put as stamp on it. Time for everybody to speak up what they want out of your free internet. Gerri thats a good point. I like that. Email, send us a tweet at gerri willis fbn. We appreciate your time. Thank you, lance. We have more this hour, how do you do that . How do you retire on a Million Dollars . Guess what . It sound harder than it sounds. Airbnb should it be regulated like a hotel rental . Should it be regulated at all . [ girl ] my mom, she makes underwater fans that are powered by the moon. She can print amazing things, right from her computer. [ whirring ] [ train whistle blows ] she makes trains that are friends with trees. My mom works at ge. Gerri with the growing popularity of Online Rental service, you know this company, airbnb, more lawmakers are seeking regulation. Critics of shortterm rental service say what the company is doing is illegal. But can airbnb be regulated . Here with more, heritage chief economist steve moore. Great to have you here. This story makes my blood boil, gerri. Gerri why . Look, who do you think is bringing charges against airbnb . It is Hotel Industry and Motel Industry dont want the domtics. Gerri there is law right here in new york city that you cant do it . Youre right. Get rid of those laws. Those laws were actually put in place by the industry as pretext. We live in an age right now, gerri, where you could, why shouldnt you be able to create your own taxi company . Why shouldnt you let out your house if you want to . Consumers benefit from that, right . They get lower prices. And what youre seeing in all of these kind of new Internet Industries that are developing, that are taking on these existing corporate empires is, the empire is striking back, saying no, we dont want the competition. They run to the government for the help to try to run these people out of business. Gerri music industry. Exactly. Name across the board. New York Attorney general Eric Schneiderman says this should be illegal. It is unfair competition . Why . What is unfair about it . They might say they dont have to comply with the building codes and all regulations. But these industries sprout up, gerri precisely because there are so many regulations that are imposed. These are ways, it is true these are ways of getting around regulations, reducing costs to consumers. So, for example, if you come to new york you doesnt have to pay 300 for a hotel as i did last night. Gerri okay. But look, im playing devils advocate. Right. Gerri you think, ive used airbnb. I used it one time going on vacation to paris. I use it one time. Gerri switched with somebody who lived in paris and somebody lived in new york and it work very well. A agreement between two individuals, right. Exactly. Gerri but reality is these days with airbnb what is going on people are actually professionals. They have got hundreds of properties. Theyre putting on 40, 50, 60 at a time. They have, they have none of the, you know, regulatory force, power coming down on top of them. Thats true. Gerri that the Hotel Industry does. And to me that, is that a fair . I think that is valid point theyre acting as de facto hotels. The Hotel Industry and Motel Industry should say look, you have to get rid of these regulations you will put us out of business. You may a good point. These are voluntary transactions between a renter rentee and the you know, if they both voluntarily agree to it, who is being hurt here . Gerri the top 40 users of airbnb, made 35 million over last three years. I got to think a lost hoteliers out there who would like to make money. When is it a crime to make money . Thats what the capitalist system is all about. Gerri i told you i was playing devils advocate. What is interesting to me i think this is another gray area in the economy. It is. Gerri internet, guy we had on, lance ulanoff, it is blowing up industry after industry. It is creative destruction. It is lowering costs. That means every industry, i mean, from the cabin industry to the Hotel Industry to the Restaurant Industry is having to change their business model. But the main thing is, this is proconsumer because it is giving consumers way more choices at lower costs. That is what capitalism does. Gerri here is my other question. Schneiderman wants to put these people out of business, right . Basically that is his idea. Right. Gerri how do you do that . If you tell me i cant exchange with a fellow in paris for vacation i will go to another website like craigs list and list there. How do you police this thing. Well i mean, they could really penalize people who, you know, theyre going to come after the people, literally, if you tried to lease your home, you know, for a month when youre gone in august they will come after them and fine you and basically go after the people actually letting their homes. Or the people at uberusing their cars as a taxicab. I dont see any Public Service being advanced by doing that. Gerri do you think the long arm of the law is really interested in tax revenues . Yeah. Well, i think tax revenues is one of the things that motivates this by the way the hotel and motel taxes are so high in new york, this is one of the things that motivates these alternative industries. That is why, you know, youre going to see the same thing happening in rental car industry. You will have now people, renting out their, their pintos and so on. Gerri their mustang. Exactly. Gerri not in the driveway, honey because i rented it out. Rent ited out. That is not a bad thing this is the wild west of capitalism, ladies and gentlemen. Gerri take the power back. That is all for you. Thats what steve says. Love the new studio. Gerri later in the show, what is more important for College Grads to land a job . Should you be book smart or street smart . We have the answer. Coming up we answer the question, how do you do that . How do live out your retirement with Million Dollars in the bank. Sound easy . Could be hard if youre going to live 25 years. Well talk about. Gerri think one Million Dollars is a lot of money . Well break down hough you have to live on in retirement. [ chainsaw buzzing ] humans. Sometimes, life trips us up. Sometimes, we trip ourselves up. And although the mistakes may seem to just keep coming at you, so do the solutions. Like multipolicy discounts from Liberty Mutual insurance. Save up to 10 just for combining your auto and home insurance. Call Liberty Mutual insurance at. To speak with an Insurance Expert and ask about all the personalized savings available for when you get married, move into a new house, or add a car to your policy. Personalized coverage and savings all the things humans need to make our world a little less imperfect. Call. And ask about all the ways you could save. Liberty Mutual Insurance responsibility. Whats your policy . Gerri one Million Dollars. Should i say one Million Dollars sound like a lot of money, right . Only 10 of savers hit that threshold for retirement. Is a Million Dollars enough to live on . I went to the streets today to find out. Here is what people told me. Could you retire on a Million Dollars . Im still very young but i dont think so. This doesnt even sound like million can get awe great place to live. No. I have three children and i have to put them all threw college. No, not enough. How much is enough . Not even close. Pick a number . I would say, a minimum of five million. Depend where you live. If you live in manhattan, the cost of live something very, very high. I want to live happy. That is what i will be do. Money dont make happenness but money does work. Gerri money does work. Well make sure whatever you have saved, works for you in retirement. So how do you do that . Joining me now, certified financial planner, saul simon of the simon financial group. Welcome back to the show. Tell me, what did you make of answers you heard. I think theyre absolutely right. It is difficult. Some of those people have kids in college or wanting to be prepared for college. Some people are not retired yet. Agree at the five Million Dollars number. It takes a lot of money to live a quality of life especially in this northeast corridor. Dont have to live in the northeast corridor. That is the beauty of that. Well get to that in a second. I wanted to show results of a gallup poll which i think you will find interesting. Retirement number, do you have enough, number one fear of americans. Retirement. Medical costs. Maintain standards of living. Paying off financial debt. That is financial fierce. Is that what your clients tell you . Theyre fear is out living their money. Theyre not taking care, operating haphazardly. Theyre not organizing themselves. They really dont have a grasp to put together a plan and create a direction strategy. And theyre afraid. Interest rates have come down. It is not like it was 10 years ago where you put money in a bank, earn a cd Interest Rate and live on income. Gerri no, youre absolutely right about that. Get back to the Million Dollar figure. A lot of people believed this was the nut. This is what i was driving for. This is what i wanted at retirement. Work it out for us. Why isnt this enough money in your view. If we use assumption, 4 on Million Dollars we can take 40,000 of income a year. Gerri money were taking out. Thats right, thats right. You will have Social Security and if youre single that is one check. If there are two people, meaning married you have two checks. You have to have this money to stay up with inflation. So we need to put money into these various pools. I do something called, money now, money soon, money later. We want to take money out of the money now pool as it is liquid, safe, almost cash, if not some fixed income. Then maybe for your money we want to be little morris can i with, yet also conservative. And then, ira money and longterm money i will not need for maybe eight years, overall, were looking to create like, you know, putting money in like a crock pot and let it stew. Gerri but not really. Right. Letting it work for you, so that money can grow on interest and interest can grow on more of the money, so these people can live quality of life they want to accomplish depending on where they want to live and depending how they want to live. Gerri i think big surprise, we have list of biggest retirement costs here. One of the biggest surprises is health care, how much you will have to pay for health care and that will fall on peoples shoulders. That is a big, big variable. As much as you want to be conscientious of health care. Simon says you got to own longterm Care Insurance product. I speak about this very much in the book i had recently published. By, most people think it is very expensive, i say it is more expensive if you gerri do it other way. You can go bankrupt. Gerri that industry has gone through some troubles with that product in particular and they havent been able to really offer it with a lot of confidence. Have they recovered and does it make sense now . Yes, it makes sense. Still less expensive today than needing 100,000dollars of money to live and take care of yourself in the event of care, number one. Number two, you have to remember what youre doing is preserving your net worth. That is why people are buying longterm care. And number gerri thats why theyre buying. But my point, why you do it, it is the product worth it . Absolutely is worth it. One of the things that happened in the past, Insurance Companies didnt price the product properly. So we often tell clients that they should put some sort of a compounding, 3 , 5 inflation on the dollar. And what happen is, they realized they didnt price it properly and have ability to raise the rates. Gerri and they have done that. They have done that you can modify it. Remember, when you buy a policy at a certain age, you get locked in. So although were going to modify the policy based on some inflationary numbers it is still less expensive than buying it 10 years later. Gerri well do a whole segment on that because it is an interesting area. I just quickly want to touch on, we were mentioning that you probably dont want to live in the northeast if youre retiring because it is so expensive here. We have a list of places you can go. Augusta, georgia, st. Louis, albuquerque, new mexico, columbia, south carolina. It is more attractive. Rent, median mortgage, lower, lower. Quality of life. You have to look at quality of life. You have to realize where is your grandchildren . Where are your children living. And socially, do you have your friend there . And is this actually where i want to live . Very often again i have to repeat, repeat, repeat, tough put together a budget. Tough determine what your financial needs and goals are. And can you afford it. Gerri makes sense to me. Simon, thanks for coming on tonight. My pleasure. Gerri lots of information packed in a very small segment. Thanks for having me. Gerri now we want to know what you think. Heres our question tonight, can you retire on a Million Dollars . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will share the result at the end of tonights show. Stories youre clicking on tonight. Google, facebook, microsoft and others are pledging a total of 3. 6 milliondollars to Fund Improvements in securing software systems. Stocks ending the day mostly higher. The rally in apple and facebook shares pushing nasdaq higher while the dow closing flat. The dow hasnt closed unchanged that is in more than 12 years. General motors says it is facing multiple probes into its recent recalls. In a regulatory filing today, gm announced it is facing five, five different government investigations. Automaker is being investigated by the u. S. Attorneys office for the Southern District of new york. The sec, Securities Exchange commission. Nhtsa, the National High tray Traffic Safety administration, state attorney general and congress. Whoo. The end of an era. They are shutting down the regular monthly publication of ladies home journal. They are planning to have quarterly special issue and robust digital presence. They said the end of magazines 130year run. Due to lack of sales. Those are some of the hot stories right now on foxbusiness. Com. We have more coming. Online booking sites like orbitz are going all out and sweetening travel rewards. Will customers go for the deals . House something slowly turning itself around. Housing is slowly turning itself around. Predicting the future is a pretty difficult thing to do. But, manufacturing in the United States means advanced technology. We learned that Technology Allows us to be craft oriented. No ones losing their job. Theres no beer robot that has suddenly chased them out. The technology is actually creating new jobs. Siemens designed and built the right tools and resources to get the job done. Schneiderman. Brand spanking new numbers in the Housing Market show the spring slowdown could go on and on and on. Is the weak market the new normal . Joining me is don peebles, chairman and ceo of peebles corporation. Thanks for coming on the show, don. Appreciate your time. What do you make of the weak numbers . Is that the new normal . Whats happening is the market is catching up with itself. There was an overhang of inventory and now inventory decline, thats why youre seeing the very strong price increases. But activity is down because theres nothing to buy. So whats being sold and purchased right now is more of the presale and preconstruction products with products under construction that are not actually coming online to actually show these transactions yet. So transactions happ the major markets. Theyre just not coming up right now in the report. Gerri let me show what you were seeing right now. Single family homes, sales down, 14. 5 . Housing start missed expectations up 2. 8 they were expecting much better. Mortgage applications down 3. 3 . You mentioned a lack of inventory. I mention the fact that Interest Rates are rising. The fact that the home prices are so high, were not attracting brand spanking new homebuyers. Firsttime buyers, the kinds of buyers that propel a market forward. What is it going to take to get the market going . I think Income Growth. Income and job growth, we have a relatively flat job growth. We dont have a lot of Income Growth and thats what is necessary for new buyers to be able to enter the market and afford to buy. And thats a challenge. And right now we have a tale of three markets. We have the super luxury market and the major Global Cities in the u. S. And the markets are doing outstanding, and then you have the existing home inventory, and those markets are supply constraints so not enough there, and then we have new home starts which are trailing in part because as you pointed out theres not a lot of demand for firsttime homebuyers. Thats credit and jobs. Gerri i think you made a good point about jobs. You have to have reliable income to buy a house. Were hearing that maybe mortgage money is freeing up from the wall street journal. We heard that story last week. You talk about the markets, the super high end, doesnt help most of us, nice for the people who have a lot of dough. For the rest of us were looking for the markets doing well. Geographically, what parts of the country have it together, or are moving forward . Washington, d. C. Metropolitan area is a diverse marketplace, thats doing well because the government is spending more money. Gerri amen. I think were going to see more growth in nevada for example. Very favorable tax treatment. More californians continuing to move there. Texas, austin and san antonio doing very well. Philadelphia, in between washington and new york, two of the top five markets in the country, and amongst the top 15 in the world. So philadelphia going to pick up. And i think that were going to see in terms of new york city, new york city is just on fire. The biggest challenge is affordability. Gerri yeah, let me tell you, affordability here, what a nightmare. I saw a story what a Million Dollars buys you in new york city. You are lucky if you can stash winter coats in it. What buyers and sellers need to know. Sellers first, what do they need to know about the market . What should they be prepared to see . They should be prepared in markets where theres an imbalance of supply and demand, if youre on the side of a seller and theres a limited inventory, then you should be patient and get your price. I think in markets where there is sluggishness, especially on the job side and the economic side, then youre going to need to be creative and making deals. Have more flexibility on price, youre going to have to figure out ways to get your property to stand out, and then on the buy side, of course, youre looking to buy in environments where there are greater inventory and not as much demand, and i think credit will free up more so especially as we go into the summer months when i think its going to be in some of the key markets which will actually affect the u. S. As a whole, there is going to be a slowdown. Florida is going to slow down significantly in the spring and summer for existing inventory. And thats going to put some demand to get money out elsewhere. I think well see financing more available to the average home owner than weve seen in the last year for example. Gerri about time, thanks for coming on the show, thank you. Great, thank you. Gerri and coming up, what do employers look for street smarts, or book smarts . Online booking sites are boosting travel rewards. Are the rewards enough for customers to stop browsing and start buying . Well have answers. She loves a lot of the same things you do. Its what you love about her. But your erectile dysfunction that could be a question of blood flow. Cialis tadalafil for daily use helps you be Ready Anytime the moments right. You can be more confident in your ability to be ready. And the same cialis is the only daily ed tablet approvedo treat ed and symptoms obph, like needing to go frequently or urgently. 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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. 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 betterbecd 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. Gerri its that time of year, are you looking for the spring or summer getta way . I am. Online travel sites are working hard to turn you shoppers into buyers. Here to explain, travel expert mark murphy. Its the revenge of the websites, is it not . They want the end user to book not just look. Most are lookers and shop on dozens of sites and never buy and go back to the supplier of that site. Gerri because you can price on the site and figure out what the lowest price is, what you should be paying. Exactly. Gerri whats the problem with that . A Great Service theyre providing, not making money, if they are making a booking, everybody thinks of orbitz as airline booking site. They dont make money. Gerri they dont make money on Airline Tickets . Very, very small. Tiny amount of money. Gerri this is orbitz. Any of them on the air. If you look at expedias revenue, 70s perfect revenues come from selling hotels. 90 of profits come from the hotel side. They get big fat margins are on the hotels. Gerri this is why they push it so hard. Have you explained something i wondered about. So you said before we were in the break before and explaining that the online websites are doing this offering extra incentives, and tell me about those, because the Airline Websites themselves they came out with muscle, too. So whats happened over the years is the airline and hotel sites have incentivized the frequent travelers by giving extra bonuses, extra points and rewards, they wanted to pull you away from the otas and traditional travel agents. They incentiveized the end user. Gerri end user, me and you. Yep. Theyre saying how do we get to you book on orbitz or expedia. Gerri ota standing war in . Online travel agencies. They are travel agencies, they happen to be online. Gerri i read recently that airlines rank lower than the irs in customer satisfaction. I frankly did not know that you could rank lower than the irs. Isnt that amazing . Gerri somehow the airlines have done it. Its a challenge trying to build loyalty with the airlines and the hotels as well. People dont realize Loyalty Programs cater to 10 of the market. The average consumer, orbitz does a calculation, if you book four Airline Tickets, six nights in a hotel and spend 6000 on the new credit card through orbitz, you get about 400 bucks back. Gerri wait. To use on free stuff. When you calculate stuff, you say im going to get 400 which isnt a hotel in new york for one night. Thats where it falls a little flat. Gerri you think the rewards are not that good . I think theyre very rich with orbitz, and orbitz has taken the lead as far as. That its going to cater to a select group of heavy bookers and users, and they want you to book on their app because you book on the app, you are closer to travel, and not going to cancel and they want you to use the credit card. Gerri im not opening a credit card with an Online Travel its not happening, i dont need any more credit cards. How do i get the deal without opening a credit card . You get a deal but its half the points. On hotels, 5 with orbitz if you book with them, you get an extra 5 if you use the orbitz rewards card that you open. You have to give me 10 for the rest of the my life. I appreciate your coming on and explaining this us to, interesting to hear the deals and how theyre trying to get our bucks. Thanks, mark murphy. Okay. Gerri if you travel to a staples today, not fancy pants city, you saw postal workers hand delivering anger at a retail chain. Members of the American Postal Workers Union protesting 50 staples locations in 27 states today. Workers are up in arms over the deal between the u. S. Postal service and staples to operate a Pilot Program of mail counters. The counters offer customers quick Mail Services like stamps and package deliveries. Union says its not against the counters, but wants union staff helping customers not staples folks. Union claims it is paving the way for privatization of post office jobs. Postal Officials Say this is about growing the business and does the Postal Service need business . The agency lost 5 billion dollars last year. Still to come, my 2 cents more and the battle between book smart and street smart. Which one do you want if youre a college grad . Stay with us. This allergy season, will you be a sound sleeper, or. Mouth breather . Well, put on a breathe right strip and instantly open your nose up to 38 more than allergy medicines alone. So you can breathe and sleep. Shut your mouth and sleep right. Breathe right. 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. Gerri coming up, what Companies Really want from college graduates. It may not be what you think. Well tell you. Humans. Even when we cross our ts and dot our is, we still run into problems. Thats why Liberty Mutual insurance offers accident forgiveness with our auto policies. If you qualify, your rates wont go up due to your first accident. Because making mistakes is only human, and so are we. We also offer new car replacement, so if you total your new car, well give you the money for a new one. Call Liberty Mutual insurance at. And ask us all about our auto features, like guaranteed repairs, where if you get into an accident and use one of our certified repair shops, the repairs are guaranteed for life. So call. To talk with an Insurance Expert about everything that comes standard with our base auto policy. And if you switch, you could save up to 423. Liberty Mutual Insurance responsibility. Whats your policy . Gerri if youre about to graduate, you know this. Jobs are scarce. Look, you wept through years of school and ready to land the perfect job, but studies are showing more and more employers are looking for something you cant learn in the classroom. Are you book smart or street smart . It might make a big difference whether you get a job or not. With me now, career coach is roy cohen. Roy, welcome back to the show. Good to have you here. What do you make of this, the importance of street smarts, is it important . Its crucial, essential, in fact. And in an ideal world i would like to be both street smart and smart. Gerri i think youre both, but, yes. Heres what the harris poll showed us, employers have doubts, 53 say there is too much emphasis on book learning. So if you know that employers want more street smarts, what do you as somebody about to graduate do . We start a little bit before graduation. I look for internships, i try to get real life Work Experience on campus. I can be working in the kitchen, at the front desk as a security guard. No matter what im doing, im learning to operate and navigate in the world. That produces street smarts. Gerri street smarts. I think its interesting, you see a lot of people, we were looking at resume of a young man accepted into every single Ivy League College in the country, and i think he started his own charity, there was all this entrepreneurial effort that he had undergone as a young person. I think that kind of thing helps too . How amazing is that to take such initiative and to demonstrate that initiative. Youre reaching out to people. They are teaching you, youre learning from the experience. So whether its volunteer work or paid work, it doesnt matter as long as you get yourself out there. Gerri tell me, youre talking to a lot of people through the and advising folks. I bet you see this a lot, somebody sees i totally understand money and investing 101, when it comes to reality, i dont. How do you get them on board. D smarts as important . Interesting, and thats a great question because im a career coach, and i work with a lot of folks when they trip, often when they trip they are far more receptive to advice and ideas what they need to do to prepare themselves. Gerri thats a big point. Receptive to it, absolutely. Gerri the good news here, and ive been saving the best for last, more employers say theyre going to hire new grads. 57 plan to hire this year. Wow, right . Absolutely. Gerri is this not good news . Be prepared for the hiring so you have the skill set and the interpersonal skills that are essential to convince them youre the right candidate. Gerri tell me more about that. How do i have the interpersonal skills . I thought i needed a sheep skin. You need both, you need to demonstrate have you academic excellence, you need to show them you know how to express yourself, talk about what you want and why you want it, and what youre looking to do and how you add value to the organization. Most important, how can you demonstrate youre going to add value. Gerri thats a big deal, and especially for young people who may be unsure of that. I find you have to have the kinds of skill set that you can deal with people one on one, give them what they are expecting to see for the first time in a job setting, and operate as if you have already been hired, almost . Absolutely, that social maturity happens through experience, the more experience you get before interviewing, the more likely you will present a mature candidate. Practice. Gerri i like what youre saying, practice, i like that, too. Good news for grads out there, more hiring is going to be done. Like to hear that. Roy, thanks for coming on the show. Very well. Gerri well be back with 2 cents more and answer to the question of the day can you retire on a Million Dollars . Is that enough money . Stay with us. Gerri earlier in so we the show we talked about retiring on a Million Dollars. He could you do that . Rick said yes, you can. And we also asked the question on gerriwillis. Com great 66 i guess i can and 44 said no. The 44 on beasley lives in new york city. Lochinvar question every weekday. And finally. The Net Neutrality, it will access to the internet no matter how weak your pocket. The proposal and it leads me to think that if you dont pay you wont have access. Its a pretty big change in the way the internet has worked for a long time. Its going to be less of a billboard and more like a mall or the big anchor tenant pay for the vast spaces. It will probably cost you lost more. Thats my two cents more. Thats it for the tonight willis report. Dont forget to record the show if you cant catch us live. Have a great night and we will see you tomorrow. Charles americas Balance Sheet is out of whack. Welcome come everyone. I am Charles Payne and for neil cavuto. About half of america had zero net worth. Stocks comest savings come in your car and your home, you added up and you subtract how much you owe, chances are youre left with nothing. That is scary. And zuckerman says what is even scarier is the white house isnt doing anything to help you out of your debt dilemma. So what exactly should the white house be doing right now . I dont think that if t