Gerri we begin tonight with an iconic american brand. You just heard about them, burger king, looking to head north for a whopper of a tax deal. Burger king in talks to buy tim horton, doughnut and coffee chain based in canada. The pending deal would create the worlds Third Largest fastfood company, all the while, burger king avoiding uncle sams hefty tax bill. Here to weigh in john fund of national review. Welcome to the show. You heard two previous anchors debating why burger king would do this why do you think burger king wants to move north . I think most important reason, tim horton is incredibly wellmanaged company. They have 4,000 stores. They are perfect compliment. They would be 18 billion giant in fastfood. Gerri theyre being accused doing what is called inversion. Let me read the definition of that. A u. S. Company that rye organizes in a company with a lower tax rate, by merging with a company there and allows money earned transferred to the Parent Company without paying u. S. Taxes. As you just heard, tax rate in the u. S. , 35 for corporations. 15 in canada. A big deal, burger king is saying that is why we want to move. I think it is a big sweetener. Gerri i think tim horton is company they want to acquire to become competitive with Companies Like mcdonalds. Will it work . I think the tax situation is nice sweetener. I spoke to the institute in canada and i heard canada is rated number one country in the world for businessfriendly taxation. Given how much pressure u. S. Companies are under and by the way, canada is now the 8th freest country in the world, according to phraser institute in terms of economics, the u. S. Is 11th. Were falling behind canada. Gerri, we have lower per capital income in the u. S. Than canadians do. That never happened before. So the fact that Canadian Companies are so attractive is testimony to how much were falling behind. Gerri it is shocking, really shocking canada is more businessfriendly than the u. S. Because that i mean think about the policies of that country over the years. They have had a singlepayer Health Care System for decades. So many of their policies have been so friendly, so socialistfriendly, not company friendly. This is a real turn around. Do you actually believe this idea that canada is super friendly to corporations . To corporations. Tax rates are still higher in canada. A lot of provinces are still spending way too much money but in terms of corporate taxation, the u. S. Has the highest corporate taxation in the world. Canada has one of the lowest, that has to be an attractive incentive to grow jobs and businesses. Gerri well take a look. Corporate tax rates with the u. S. , 35 . China 25, germany 15, are canada 15, ireland 12. 5. Talk about the idea of inversion and how popular it has become. Weve lost a lot of popular names. Chiquita brand, Applied Materials a important name in the tech industry. Do we stand to lose countries to locations that offer tax advance. Of course. The same thing happened in the u. S. At state level. New york city used to be home of 150 of the fortune a 500. Now its a fraction of that. Corporations move to texas and move to florida. Now theyre moving out of the united states. Gerri all together. Warning signal, wakeup call gerri that is not the way the administration wants to deal with it. They want to come down harder on Companies Instead of providing them with the relief theyre looking for. What would be the right policy at this point . To follow our competitors and match their offer. Instead of turning corporations into scapegoats, for simply doing what they have to do, corporations have the obligation to do well by their shareholders. They have to look for the best deal. That means we have to offer them a better deal. Gerri okay, so if you look attacks allin canada versus the u. S. , were looking at local, state, federal taxes all together, 46. 4 lower, in canada. That is sweetener, my friend that you just cant resist. And if in fact canada is friendlier to companies these days, not just tax rates but other ways as well, i cant imagine that other companies will not follow suit and move north. Absolutely. Remember there is one other advantage canada has, less debt than we do, much less debt. Gerri great things for companies as well. You dont have to have that burden on you too. John, thank you for coming on the show. Great to see you. We want to know what you think. Here is our question tonight. Is canada a better place to do business than the u. S. . Log on to gerriwillis. Com. Vote on righthand side of the screen. I will share results at end of tonights show. From tax rates to fees, first it was airlines nickel and diming us with fees, charging for everything from suitcases to sodas. Now when you finally get to your destination, you may find, well your hotel is doing the same thing. Joining me now, smarter travel. Com. Ann recalls welcome back to the show. Good to see you. You too. Gerri good to have you here. Tell us about these higher fees at hotels. Why are they doing this . It is really simple, gerri. Makes a lot of revenue for these hotels. Honestly they can getaway which with it. Gerri get away with it because what else are you going to do . What are onerous fees in your view . What really set you off . Well there are two type of fees. Fees actually for things such as parking which might go to repair of the parking garage. That might be justified of the fees that are really tricky are ones where hotels, sort of this practice right now where hotels are not disclosing fees up front. What they do lure consumers in with very low base price. Once you booked hotel, theyre tacking on fees for things like housekeeping and resort fees which can charge people upwards 50 a day. Gerri ive seen resort fees. Theyre ridiculous. I have to agree with you. Those are awful. What other kind of fees do you see . One of the interesting things i think theyre doing, is, if you move something in the mini bar you may get charged for eating it if you dont. How can they get away with that. That is something people might not realize, that those mini bars are on censors. Even if you remove an item and put it back you might still getting chad for that. Often time your kid pulls out a soda, no, were not buying that, you put it back. You get it charged, if that happens immediately call the front desk to ask you to remove the charge. Gerri thats crazy. You mentioned hotels are not disclosing fees up front. What can i do booking a hotel . Should i ask for allin price . How do i get the right number . It is really tricky. You need to read the fine print and prescreen hotels for fees. Part of the problem, if you book on opaque site like hotwire or priceline, the fine print might Say Something generally, additional fees might apply. In that case you might not find out until you get the hotel bill. Another thing you can do, if you want to have incidental fees removed such as checkin, early checkin fees or checkout, joining hotels Loyalty Program they will automatically wave those fees for you. Gerri that is a great idea. Is there any way that i can get my Credit Card Company to fight the bill for me . Thats a tricky situation. And in most cases that will be your last resort. When it does work, is when the hotel break as contract. Say for instance, that, you can sell your hotel with within the cancellation window and still charge you for the quoteunquote, one nights reservation deposit . In that case you probably can have that removed from the credit card. Incidentals will be a lot harder to do that. Gerri one of the things were on fire here about at the willis report is how these airlines are starting to charge a lot of money in fees, if you have a child that youre sending on their own. Last week we just reported how some airlines. American airlines in particular is charging 150 additional each way if you send a child on their own. Youre essentially paying double the fare. We talked to lee about this about the fees people are facing when they fly, not just hotels, but when they fly. Here is what he said. Airlines are charging you between 15 and 100 generally to choose your seat. Which is kind of ridiculous. Especially depending where in coach you might be sitting or in business of course. But if youre sitting in emergency or want an aisle versus window you have to pay more. Add that on top of everything else, another example of how the u. S. Airlines legacy carriers are nickel and diming consume consumeers. It is maddening. Gerri more nickel and diming. Last thoughts fighting back against the fees . Best thing to be informed consumer. Read the fine print, do your research and compare prices. That is the best way. Gerri ann, thank you so much. Thanks for having me. Still, a lot more to come this hour including your voice. Your voice is important to us. That is why during the show we want to you facebook me or tweet me gerriwillisfbn. Send me a email going to gerriwillis. Com. At the bottom of the hour i will railed your tweets and emails. Next, dont mess with mom. One mom was so sick of teen not answering phone, she developed an app as payback. She will explain after the break. [ male announcer ] since we began, mercedesbenz has pioneered many breakthroughs. Breakthroughs in design. Breakthroughs in safety. In engineering. And technology. And now our latest creation breaks one more barrier. Presenting the cla. Starting at 29,900. But they have to use special care in keeping the denture clean. Dentures are very different to real teeth. Theyre about 10 times softer and may have surface pores where bacteria can multiply. Polident is designed to clean dentures daily. Its unique microclean formula kills 99. 99 of odor causing bacteria and helps dissolve stains, cleaning in a better way than brushing with toothpaste. Thats why i recommend using polident. [ male announcer ] polident. Cleaner, fresher, brighter every day. Gerri trying to get ahold of your teen on their cell phone can be tough. One texas mom had enough of her son avoiding her calls. So she create ad an app her son simply couldnt ignore. Joining me that mom, the creator of the app, ignore no more. So good to have you here. Tell me why you created this app. I created this app because i was out one day with my husband and i couldnt get ahold of my children. All i needed them to do was let the dog out, after many texts and calls, i got frustrated and looked at my husband, thats it, im done. Im going to create an app. Gerri how does the app work . Look at your family. Your family is gorgeous. Showing a picture of them here. What a lovely family. Thank you so much. How does it work . It works by the way a parent can lock the childs phone. It lilts their texting, their gaming, their surfing the internet. It forces them to call you back because they need a password to unlock their phone. They can always Call Emergency Services though. Gerri if theyre really in trouble they can get help or always call mom, right . Youre not locking them from doing that. If they want play on the phone, forget about it. It will not happen. Does it work. Oh, it absolutely works. I only used it once on my son. Feedback from other parents is positive thanking me for creating this app, because it puts the ball back in their court. Gerri what i love about this story, youre not a software engineer. Youre a gulf war veteran. You climbed mount kilimanjaro, and somehow you figured out how to make an app. How do you do that . Im just a person who likes a challenge. I looked at App Development as one more challenge. I sat down on the internet. I research ited for couple weeks. Came up with a gameplan and started executing. That is amazing to me. So is your son mad or, is he on the program now . Oh, he is on the program now. He knew it was coming. He got on very quickly. Gerri you have never done this, your daughter, calls you back, right . She is not the issue . No. Well, no, i take that back, she is at college. So we decided not to use the app on her. She gets the idea too. She is responding, just by the virtue of fact she knows we can put it on her phone. Gerri are you developing other apps . Is there anything else . I have four more in my pocket and centers around family issues like this. So were hoping to start that process very soon. Gerri i was just wondering does this app work on husbands too . Is there any way i can control my husband and get him to call me back by using this app . Ive been saying no comment on that. All right. Sharon, you have to promise me to come back as you develop new apps. I will. Hope to come back, so. Good to see you, sharon. Thanks for your time today. Appreciate it. All right, thank you. Gerri later in the show, were helping you with your back to School Shopping just as kids get back on the bus. We answer the question how do you do that . Well have advice pricing your home to sell. How not to go too high or too low. Stay with us. Its monday. A brand new start. Your chance to rise and shine. With centurylink as your trusted technology partner, you can do just that. With our visionary cloud infrastructure, Global Broadband network and Custom Communications solutions, your business is more reliable secure agile. And with responsive, dedicated support, we help you shine every day of the week. Gerri officially back to school time. If the American Academy of pediatrics had its way the school day would start later n a new report in the journal of peed attrition. Delaying pediatrix, starting school day 8 00 a. M. Would help teens with their chronic lack of sleep. 20 of teens get recommended nine hours of on school nights. That is linked with poor health, bad grades, and depression. Of the start times would create later dismissal times and impacting schools and clubs and why cant they go to bed a little earlier . Makes more sense to me. Another story about parents they should look out for great back to school deals. Americans are expecting to shell out 75 billion on back to school items, up 3 since 2013. We have a savvy ways to cut down on casts with the National Director of the retail federation. Cathy, welcome to the show. We say there is no inflation in the economy. The truth is when it comes to be consumers there is a whole lot of inflation. Prices going up again. Is it for everything that mom and dad is buying this year . Believe it or not there is not a whole lot mom and dad spend a whole lot on, in terms of electronic supplies and electronic needs an school supplies. Of course mom and dad are on the hook for a little bit more money. Mostly because the school is asking them to spend more money on those items. Well, some of the items, there is a 29 increase in some issues. Just depend on what you look at. But the good news is, in some areas, you can actually get a nice tax break this time of year, when youre paying for these items, right . Thats right. A lot of states have started to adopt more and more state sales tax holidays and we do know that parent across the country are looking for ways to save money. This is one of the biggest ways to do it. And we know that, again, parents this summer are delaying their Shopping Trips and we think that the sales tax holidays might be why they were waiting to shop towards the mid to late part of august, right. Gerri here is how much theyre spending for kindergarten through high school. On average of 669. 28. College students, 916. 48. I look at these numbers and i think back to when i was in school. My mom and dad would have had a heart attack if they had to spend that. Youre absolutely right. I can tell you from looking at the data myself over the last nine, 10 years, there is a sharp increase in what parents have had to spend on everything from apparel and footwear to supplies and electronics and certainly inflation does play a role but at the end of the day we know that schools are asking parents to spend more. Gerri right. You cant really forget that, millenials today have their own unique fashion sense that wasnt there 10 years ago. Yeah, those ripped jeans are super expensive. So you mentioned the supply list and how that is going up, right . So here is how much more students are having to spend for what the schools require them to bring in. 29 more. 29 more. And average of 18 items, everything from pencils to paper, you name it. How else can mom and dad save . Where else can you cut prices . There are a ton of ways for mom and dad to save money this summer, whether shopping for school, k12 or college. I think one of the easiest ways simply sign up for retailers emails. You cant go very far without seeing some kind of a specialties count from a retailer, via an email and a lot of times that email comes directly through the mobile device and what is better than being in a store, when you can actually see the deal right then and there. Of course there are a lot of websites out there that offer Price Comparison and other shopping comparison tools that let you do research before you let out. Gerri lets mention some of these deals. The apple store has deals for you. Apple store for education to be precise. They will give you 200 bucks off a new mac. Off 30 off a new ipad, supplying a student, not yourself. Officemax and office depot are offering special deals. Take a look at this, staples offering special deals. You have to really look around. Cathy, you cant go out to buy the first thing you see, can you . It pays to research for sure. A lot of retailers this year, you of course have to know are competing with everybody else down the street. Their goal is to get that customer in the store or get them on the website or get that sale, especially in this economy. So, it really does benefit the consumer for them to do that research and, check online for all the prices and see where the prices match their budget. Gerri lets mention three retailers here who have back to School Clothing sites. This just isnt a website for everybody. This is a back to school website, h m, tj maxx, these companies are pretty savvy. They figured out there is big business back to school. Absolutely. Back to school is 75 billiondollar season if you will. Second only to christmas. If you are a large Discount Store or Large Department store or Office Supply or even drugstore you want to be where the consumer is and right now, that consumer is shopping for back to school and back to college. Cathy, thanks for that. Great stuff. Appreciate your time. Great. Thank you for having me. Gerri well, as you head back to school whether college or high school there are a host of apps out there that could make your live a little bit easier. The best apps out there according to Time Magazine make up tonights top five. Number five, my homework. This is way to organize Class Schedule and upcoming assignments. Free app sinks with your syncs with your desk stop. Number four, graphing calculator. Now you turn to your smartphone for just a buck. Number three, g flash pro. Forgot handwriting all the flashcards . This will do it for you and include audio files and videos. For five bucks us get access to database of flashcards somebody else already made. That sound like cheating. Number two, every note. This essential up photos and voice recordings. Time calls it god send for organizationally challenged which i am. Number one back to school app, core smart gives you access to 7,000 textbooks on the smartphone. Simple way to lug all the books around, not to mention saving a ton of d. O. E. Other apps, documents to go and wiki companion. Cool. Price it too high, you scare away buyers. Price it too low and you pay too low. How to price your home just right. She inspires you. No question about that. 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. 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We build it in classrooms and exhibit halls, mentoring tomorrows innovators. We build it raising roofs, preserving habitats and serving americas veterans. Every day, thousands of boeing volunteers help make their communities the best they can be. Building Something Better for all of us. Gerri if youre selling your home, its one of the hardest decisions youre going to make, the sales price. Go in too high, nobody will knock on your door, go in too low, you miss out on thousands of dollars. How do you find the right price . The executive Vice President of auction. Com. Dope you just go with whatever your realtor dont you just go with whatever your realtor recommends . [laughter] sure, thats the way to do it. We can cut this interview short right now. [laughter] no, you need to do some homework. You want to look for what properties are currently listed for in your neighborhood. And you should do your homework even if youre working with a realtor which, by the way, is still probably the best decision for people looking to sell a house. Gerri youre saying look at the other houses in your neighborhood that have sold. Arent you really trying to make an apples to apples comparison so you look at price per square toot, and then you can apply that to the size of your house . Yes. Go to a web site what they list recentlysold properties, and you take a look at what the sales price was, you divide it by the Square Footage of the house, and you develop an average price per square foot and multiply it by how many square feet your house is, and now you know your price neighborhood. Gerri ive got to tell you, some people lowball thinking theyre going to get people to bid higher and higher and higher. Does that always work . Thats called Auction Companies. [laughter] and it works, it works for Auction Companies because of how an auction works. But you cant lowball too far or you might wind up not getting a price you really want or need. Freddie mac did some Research Last year that said if youre in a really hot market and theres a lot of sales activity, its sometimes smart to price a little low because you get bidders working against each other. But if youre in a colder market, prices are flat or declining, they actually suggest you price it a little higher than what youd like to get so you have room for a discount to be able to sell the property. Gerri you know, i think of setting that price as the opening, you know, bid in a negotiation, right . I mean, its not just a rice youre putting on your price youre putting on europe house, its part of the negotiation. How do you think about that . Youre absolutely right. And you need to have a number in mind. You need to have your lowest price possibility in mind, what you absolutely wont sell below. And then work your Sales Strategy either above or below that to get to that price. But theres so many variables that go in. How old is your house . How much repair does it need . How does it compare to other houses in your neighborhood . Whats your lot size . Do you have a pool or not have a pool . And it goes on and on and on. So, you know, we really suggest you take a look at Third Party Resources to help you out and take a look at all those variables to determine the best way to move a rot in your neighborhood. It varies wildly across the country. Gerri we all look at these national averages, and we assume thats whats going on in our neighborhood. Not true. Some parts of the country are doing super well, others not at all. As a matter of fact, we just reported today that new home sales dropped unexpectedly. What should people who are selling today make of that . What does that mean for them . Well, theres a slight difference in the new home market compared to the existing home market. And existing home sales probably peaked in july. I think thats what were going to see for the rest of this year. The bottom line right now is it actually is a pretty good time in most markets to be a seller. Theres still more buyer activity out there than there really is available inventory, and thats particularly true at the low end of the market. So its a sellers market. Now is not a bad time to be thinking about it if you have desire to sell your house. And i dont think id read too much into those new home Sales Numbers just right now. Gerri rick, you say its a sellers market, but rates are still at lows here. I mean, weve got really good numbers if youre going to go out and get a mortgage, you might be encouraged to get into the marketplace. And, certainly, i would think theres room for negotiation. So what would you say to buyers out there . You know, buyers probably have to be willing to spend a little bit more than what theyd ideally like to for a property. Again, in most markets there are more buyers than there are available properties. So theres going to be price competition. If youre a buyer, try and get in early, try and headache sure that youre preapproved for a loan. Not just prequalified, but the banks already said your purchase. If at all possible, cash is king right now in this market. So you have to move quickly, you have to be dill gent and have your financing in place gerri rick, were going to leave it there. Thanks for coming on the show tonight. And when we come back, another record day on wall street. Were covering your assets with a look at the stock market. Why it just keeps going higher and how you should play it. And heres your consumer gauge with the numbers you need to know. Well be right back. Gerri it was a great day for your 401 k . The s p 500 smashed through yet another record, topping 2,000 for the first time in history. And many are calling for the benchmark to hit 2300 this year. Can the bulls keep running . Were covering you assets with michael carr, mike burly, the president of Peak Capital Management and david bach, vice chairman of edelman financial services. David, what do you make of all this talk about where the indexes are going . Should i be paying attention to that as an individual investor . Ive been on this show for five years talking about the fact this was a great market to be buying into when we see record highs. What should you be doing as an investor . You should be meeting with your football adviser Financial Adviser and looking at does the portfolio need to be rebalanced. Here is the key in a market like this, gerri, you dont want to get greedy. And too many investors right now are looking at investments that have gone up, and they want to put the money into one thats gone up. This is a marketplace at an alltime high. You sit down with your Financial Adviser gerri i love that advice. If you dont one, you review your portfolio. Carr, how far can the s p 500 go . Whats your outhook . What do you see next . I think 2300 is the right target. Thatd be about 17 times estimated 2015 earnings, puts the index at fair value, so thats not an unrealistic target. Gerri mike burly, do you agree . I think were ready for a allback be, myself. However, momentums a very powerful thing. Who knows how long this thing can run. Gerri there you have it, the bull and bear on the same panel. All right, thats awesome. I know a lot of people out there, david bach, will be looking at buying opportunities out there. Where should i be putting my money now. You say its all about asset allocation, and yet if you see something you really love or, shouldnt you go out and buy it . If you have the portfolio with a correct asset allocation, when you look at that portfolio, the first thing youll notice is certain Asset Classes are down right now. What you do when you diversify is put money in the asset class thats gone down can. Thats traditional allocation. Thats professional money management, and thats institutionalized approach to managing money. This is what investors should be doing. Gerri michael carr, do you see buying opportunities when you look at how these stocks are priced . I do. I especially like south korea right now. Gerri weve got to go outside the u. S. , huh . We do. I think a lot of consumers are waiting for that new iphone by apple, and traders have pushed that stock up quite a bit in the past six months. If those consumers are disappointed in apples new iphone, theyre going to why a samsung. And the i shares south korea etf symbol ewy has about 20 percent of its assets in samsung. Gerri theres a recommendation right there. Mike burly, let me turn to you. Do you agree, do you think thats the way to invest right now . What do you think is fueling this rally . Well, the be i was going to get if i was going to get long right here, i would have to look at exchangetraded funds on a broadbased index probably with some trailing stops. Might be a little late to the party. Gerri you know, we talk about this all the time. Whats the best vehicle for your money. David bach, today we found a story on the oped of the wall street journal about a taxfree savings account that the canadians use, and it sounded like a really good deal. You know, the reality here in the u. S. Is that our vehicles are just not perfect. You cant put away enough money taxfree. There are lots of rules, restrictions, you cant do a lot. What do you think of this canadian plan . Well, you know, look at the canadians to keep things simple. What they really created is a turbocharged roth ira. Super simple, super easy to use. They dont have all the tax restrictions we have, you can take it out, you dont have to wait until youre 59 and a half. You know whats happened . Over 45 of canadians have signed up for these plans in the last five years, theyve put over 100 billion, the equivalent of a trillion dollars here in the u. S. What we need to do in the u. S. Is very simple, make our retirement accounts simpler and easier to use, and americans will save more money. Gerri well, thats a great point, mike many l carr, because a lot of people say americans are undersaved, people arent doing what they need to do. What do you think its going to take . What will it take for people to set aside enough dough for retirement . I dont believe the average family really sees the need to save. Social security is the equivalent of a 250,000 inflation indexed guaranteed annuity. So weve eliminated the requirement to save for retirement for that average family. We also, that average familys going to look to College Loans and Financial Aid to pay for college, when they need a car, theyre going to finance it with an 84month loan to lower the payments. Gerri i hate that. This is ridiculous. I mean, mike burly, to you. You see this all the time where people are taking out these massive loans, theyre completely unable to pay. People need to have some sense about this, dont they . Oh, absolutely. I think, you know, its a simple thing, but you just simply, you have to ayourself first. Pay yourself first. Thats the only way youre going to be able to bank any money today. Gerri i absolutely agree. David . Look, the average american is not planning to live off social security. For women its 1,000 a month, for men this its 1,400, that a solution to be living a very difficult lifestyle. So when you go back to pay yourself first, automatically youre watching this show right now, what you do is bump up your 401 k plan, your savings plan, and we put pressure on our politicians to make it easier for americans to save money. Americans are smart, well do it, take action. Gerri i love that positivity. Michael, mike and david, stay tight here with us now because were probably going to keep you after this break, so dont go anywhere. In the meantime, time now for a look at stories youre clicking on tonight on foxbusiness. Com. Fewer americans buying new homes this summer, more proof that the housing markets still struggling. New home sales fell 2. 5 last month to 412,000. And as we mentioned, the new home sales werent enough to stop wall street. Stocks moving higher again today, pushing the s p 500 up past the 2,000 mark for the first time. The utility serving Northern California says it continues to search for possible gas leaks in the coming days in the wake of yesterdays 6. 0 earthquake. Pacific gas and electric has received hundreds of calls from people reporting the smell of gas since yesterday morning. The quake also ruptured water mains. And a bad weekend for sony, hackers attacked the lay Station Network and playstation and caused a bomb threat. Thanks to someone called lizard squad. And those are some of the hot stories right now on foxbusiness. Com. Well be right back. It can bring out the worst in people. But the mclass scans for danger, corrects for lane drifting, and if necessary, it will even brake all by itself. It is a luxury suv engineered to get you there and back safely. For tomorrow is another fight. The 2015 mclass. See your authorized dealer for exceptional offers through mercedesbenz financial services. A brand new start. Your chance to rise and shine. With centurylink as your trusted technology partner, you can do just that. With our visionary cloud infrastructure, Global Broadband network and Custom Communications solutions, your business is more reliable secure agile. And with responsive, dedicated support, we help you shine every day of the week. Your studied day and night for her drivers test. Secretly inside, you hoped she wouldnt pass. The thought of your baby girl driving around all by herself was. You just werent ready. But she did pass. cause shes your baby girl. And now youre proud. A bundle of nerves proud. But proud. Get a discount when you add a newlylicensed teen to your Liberty Mutual insurance policy. Call to learn about our whole range of life event discounts. Newlywed discount. New College Graduate and retiree discounts. You could even get a discount when you add a car. Call Liberty Mutual for a free quote today at see Car Insurance in a whole new light. Liberty mutual insurance. Gerri welcome back. With some final thoughts from our panel, michael carr, mike burly and david bach are back. And my question to the three of you here tonight, what is the single most important thing that individual investors need to know to make their money safe, to keep safe investing their money . David bach, ill start with you. Well, look, what do people worry about . We worry were going to run out of money, so thats the number one concern americans have, is my money going to last my lifetime . Get a Retirement Plan going, and if you havent got one, you sit down with a professional, and you run the numbers. Gerri thats scary. [laughter] and those numbers, youve got to go back to on a regular basis and headache sure youre staying on make sure youre staying on track. Gerri michael carr, what do you say . I think investors need to stop worrying and just follow the trend. When stocks are going up, you want to ride the bull. A simple indicator like the 200day moving average will tell you when the trend changes, and following that will help. Gerri michael burly, is the trend your friend . I think you have to take a look at your risk allocation, and you dont want to find out how much of a risk taker youre not. If youre within 510 years of retirement, you have to be comfortable with where youre at. Gerri okay. David bach, michael carr, mike burly, thanks to all three of you, appreciate it. Thank you. Gerri well, from money to scams, a growing concern as more Senior Citizens fall victim to scammers every single year. The amount of complaints by consumers over the age of 60 has increased 135 between 2009 and 2013. Here with what these scams are and how to avoid them is aarps Consumer Fraud attorney sally herme. She has her own personal story with financial fraud. Sally, im so glad youre here tonight because when we do these stories, people tell me, oh, gerri, id never fall for that. But, in fact, your husband fell for one of these scams. Tell me what happened. Well, one day i came home from ark arp, and my husband immediately said im going to be getting this very important phone call in just a few minutes, im waiting for that call, but i cant tell you about it. And almost immediately my red flag went up, and quickly i got out of him that someone had called impersonating our daughter. She said she was in big trouble and would he talk to her lawyer . The lawyer got on the phone and then explained this elaborate Automobile Accident and so forth, but the kicker was she needs to have 3,000 immediately or shes going to have to spend the night in jail. Gerri wow. My husband took the bait, got withdrew 3,000 and sent it off through green dot cards. Gerri oh and that 3,000 was immediately gone. Gerri now, we should tell our viewers that this is what you do for a living. You warn people about these kinds of scams and this kind of fraud. One of the questions that occurs to me, and we were talking about this in our meeting this morning, why did your husband think the person calling was your daughter . Could he not tell the voice . Well, thats exactly one of the questions that he was asking this impersonator who was calling, and he said it doesnt sound quite like you. But she went on this with cockamamie story that shed hit her mouth during the gerri oh, my lord. The accident, and it was hard for her to speak, and since she was in jail, the connection was bad. And, of course, he couldnt get back in touch with her because theyd confiscated her cell phone. Gerri now, i just want to tell people your husband is a smart and intelligent person be, i understand hes a marine biologist, so this is no dummy answering this phone call, he was just worried that his daughter was in pain and hurting and wanted to help her. Now, he got scammed again, is that right . Well, no. He hasnt been scammed again because he is now super on the alert. But, yes, we had the experience of what we call reloading in which they called my husband back with another elaboration of the story. He knew immediately now that this was a scam, so he promptly hung up as he now knows. Gerri well, i mean, playing on parents fears and worries is the oldest trick in the book, but its easy to fall for, thats for sure. Whats your advice to people out there . Well, the advice is that dont get caught up in the excitement of the emergency. Thats one of the key tricks of the trade by these scammers to catch you unaware, to get your emotions involved rather than your head. And its a natural reaction, obviously. If a family members in trouble, you want to help. But dont do, as the scammer always says, which is dont verify, dont tell anyone. The key thing to do to stay away there this kind of from this kind of imposter scam is to take your time, verify even though they tell you not to, and if it does make sense, if its too good to be true, then just hang up. Gerri amen and amen. Sally, thanks for coming on tonight. Great to meet you. Thank you. Gerri now we want to hear from you. Burger king is in talks to buy tim hortons and create a new company headquartered in canada, a move that could cut its tax bill. So is canada a better place to do business than the . Heres what some of you are posting tonight. Ed says cant blame bk, it seems that the first rule under the Obama Administration is survival. Michael agrees the government pushes jobs away with high taxes. Betty writes why is it necessary to take away u. S. Businesses . American government, wake up. Amen to that. And heres dennis money goes where it is treated best. We have the donothing congress to thank for not closing all the tax loop hoels and bring loopholes and wring down rates. Bring down rates. Well be right back. When your favorite food starts a fight fight back fast with tums. Relief that neutralizes acid on contact. And goes to work in seconds. Tum, tum tum tum tums try great tasting tums chewy delights. Yummy. Ever since we launched snapshot, my life has been positively craycray. Whats snapshot, you ask . Only a revolutionary tool that can save you bigtime. Just plug it in, and the better you drive, the more cash youll stash. Switching to progressive can already save ye 500. Snapshot could save ye even more. Meat maiden bringeth to me thine spiciest wings of buffalo. I research. I dig. And dig some trader more. Search. Because, for me, the challenge of the search. Is almost as exciting as the thrill of the find. announcer at scottrade, we share your passion for trading. Thats why we rebuilt scottrade elite from the ground up including a proprietary momentum indicator that makes researching sectors and Industries Even easier. Because at scottrade, our passion is to power yours. Gerri we told you about how burger king is in talk to buy tim horton. So is canada really a better place to do business than the u. S. . We asked the question on gerriwillis. Com, 73 said yes. 27 said no, im shocked, log on to gerriwillis. Com for our online question every weekday. Tonights emmy awards could be a new record breaking one. If modern family wins for best comedy it would tie frazier with 5 wins each, ceremony airs tonight, 8 p. M. Eastern time, it will include a tribute to Robin Williams from his friend billy crystal. Tonight, never thwart a mom. A texas woman developed a app to force teens to call home, to me, the most amazing thing is that sharon is not a software engineer. She is a gulf war vet, and climbed mount kilimanjaro, she is no one to be messed with. She said creating an app is not that difficult, bravo sharon. Tomorrow, from airline to restaurants, were turning into a self service nation, but not everyone is onboard. We will have story with todd march tomorrow night, making money with Charles Payne is up next, stay tuned for that. Charles tonight on making money. The dollar is doomed, proven by the biggest economic story of the day. Living daytoday with worth less paper money or preparing for the day of reckoning . And th the king versus the impel president . You heard about the burger king deal, going to canada, get read to be outrageed, dumb policy is part of the wore on. And living up to the nail of the show, viewers, you should be making a ton of money. Remember it was a loser, i