Those people with direct contact and care of patients, particularly in best west africa, with direct exposure to bodily fluids. Which would put them at risk for getting infected themselves, to some level risk. These include hospital workers in the u. S. People who might be in africa but didnt get close to any of these patients who have come back, a low risk, nonzero level and finally, no identifiable risk. The cdc is recommending for the highrisk is category, direct active monitoring and home isolation for those people and that would include, not going out in public in commmnity events. Not traveling in airlines or Public Transportation f they want to travel they have to make other arrangements. Cdc director tom frieden said they could go out for a jog but we dont want them in con a gant activities as he tribed described it. Kongregant he said if the states want to be more stringent in the guidelines he conceded they have the ability to do that. Stronger quarantines may Health Care Workers fall into the highrisk category and hurt recruitment of Health Care Workers to go to the ebolaravaged countries in west africa. We dont want to turn these Health Care Workers into pariahs. Gerri. Gerri peter, thank you for that. Well the cdc issuing guidelines as the u. S. Army orders controlled monitoring for 2star general and 11 others who spent 11 days in liberia helping with ebola crisis. The joint chiefs of staff recommending that the military impose a mandatory 21day quarantine for all troops returning from ebolastricken countries. Cdc released the into new jersey nurse after she threatened to sue. They joined new york and illinois issuing mandatory quarantines. 3 we have cdc new rules. Congregant actions . This sound so complicated and difficult to understand. We seem to walk further and further away from 21day quarantines. What is your reaction . Problem here is the cdc theyre chasing issue. Got guidelines wrong for hospitals. You had two nurses infected in dallas. States, new york, new jersey, florida, acting on their own. Cdc is not providing guidelines with Health Care Workers with highest risk actively treating patients in africa. This is creating a trust gap between the federal government and states and public because they seem to be chasing the problem. Gerri chasing the problem and these new guidelines sound pretty complicated to me i have to say. You mentioned tates, new york and new jersey wanted to put in place 21day quarantines for people come being into the area who might have been exposed in some way to ebola but now theyre backing off of all that is that a good idea . Shouldnt we have in place some kind of protection forru. S. Citizens . Look, even among the aids groups, i had a group, people like samaritan purse, after their Health Workers come back, 21day selfquarantine. Dont take Public Transportation. Observe a threefoot rule. Dont hug people. You do have some risk, not zero risk but some very low risk. Out of abundance of caution theyre taking that approach. I think that is the right approach. I think quarantining these people, making them feel like approach. These are heroes here. The risk of transmission is low. Better to get out ahead and say, for these workers here are clr guidelines you should observe when you come back. Gerri thats what states were trying to do. Now theyre backing off from that. Now were hearing from the cdc, recommending local health centers, monitor, maintain contact with people coming back from the affected area. Is that enough . Arent we relying on peoples keeping their word about what theyre going to do . Well, look, the states have all the power here. The cdc actually can not require the states to do anything. These are suggested guidelines. The states are going to be on the front lines no matter what happens. They have been acting out of abundance of caution. At end of the day, public need to know until you are actively ill, seriously i, your risk of transmission is very, very low, extra dreamily low. Extremely low. Gerri interesting that the joint chiefs of staff are mulling 21day quarantines for all soldiers when they come back. One part of the government saying one thing. Another part of the government saying something totally different. What do you make of this . What i make i think they have got it backwards. Health care workers highest risk, troops constructing Health Care Facilities extremely low risk. On the other hand if you have thousands of troops and you will have thousands of troops over there, you roll the dice enough times you will get one transmission. Out of abundance of caution theyre doing. That monitor something much more appropriate for the troops than Health Care Workers at the highest level. Gerri speaking of one of those workers in the front lines, kaci hickkx, kaci hickox, i will say that again, she is the nurse, see picture of her right there. David who was told she would be in quarantine and new jersey changed its mind. Letting her go, letting her free. There is nothing to stop her from traveling virtually anyway. She s from maine. Maybe she goes back there, we juut dont know. Is that a good idea. Were citizens of the United States, without good reason well not just quarantine somebody. There are great ways to look at problem. There are blood test for ebola. Within three to five days directly exposed to ebola, there will be virus part sells in your particles in your body. Here is electronic monitor. Take it home. Test your temperature three, four types a day. That transmission is electronically sent to health care expert. If you dont take it well come down on you a little harder some there are degrees of monitoring here. Again the blood test can be very certain, almost certain test within three to five days of potential exposures. And that is first line of defense. Gerri speaking of the blood test, we have a fiveyearold tested today. This hour. Et results sometime well certainly report it when we do. Being tested for ebola, the story goes on and on. 446 Health Care Workers have been infected with ebola who were in the area, west africa. Five f them are americans who returned to the u. S. You talk about, you know, making sure that people have their civil rights. I think higher priority has to be keeping americans safe, dont you agree . But at end of the day, what we do know, medicine is frontier, doctors without borderseshundred physicians observing dealing with ebola patients. Only three have been infected so far. Until you are literally, pardon the expression, spewing vomit or diarrhea you are not at highrisk for transmission. As long as were actively monitoring peoppe. That is exactly what the states are doing. Gerri i couldnt agree with you, paul. We told the storyylast week of the doctor who came to new york and did not selfmonitor effectively, went all over the city. I was told, you know it is human nature just to do that. So, selffmonitoring may not be enough. Paul, thank you for coming on sharing your opinion. We appreciate night my pleasure. Now we want to know what you think. Here is our question tonight. Should there be a mandatory quarantine for returning Health Care Workers . Log on to gerriwillis. Com. Vote on righthand side of the screen. I will share results at the end of tonights show. Invasion of ebola in the u. S. Has americans wondering, how would you pay for that . Is your insurance going to cover happens . With more on this, andrew stitch a Health Care Pricing network for nerd wallet. Richard kaczynski, for insurer epic underwriting some of these policies. Start with the idea how expensive thii is. Andrew, to you, we know that in the case of some of these folks who have been treated as many as 76 Health Care Workers are working on them. How much does it cost to take care of an ebola patient . Great question, gerri, and you know just like any other procedure in the Health Care System it will vary widely from hospital to hospital. What were seeing is an effect and reflection of the current Health Care System where hospital charges vary widely from one facility to another depending on labor inputs and how many people are involved in the cost of care. As well as gerri it could be millions, right . It could be millions of dollars . We understand that dallas was, you know yeah. Gerri floating over a Million Dollars for the care of duncan there, who actually died of the disease. Give me some real numbers. Yeah. Im not surprised to see estimates ranging from 5,000 to 25,000 per day. It is really going to vary on a couple of different factors. Gerri okay. Lets give richard a chance to get in hereetoo because youre actually underwriting some of this insurance. I understand youre underwriting insurance for hospitals. Tell as you little bit about that and what kind of interest youre getting at this point. Sure, gerri. Thank you for having me on the show. So we have partnered with lloyds of london recently and we are bringing to the market something called essential professionals insurance coverage. What epic provide is really indemnity policy that provide a benefit for these specific occupational hazards that Health Care Workers gerri richard, help e understand in english what that means . What are you covering . What are you underwriting . So we provide the ability for a nurse or health care law,3 Health Care Worker or a Law Enforcement professional to buy very inexpensive coverage in the event that they get infected through bodily, Something Like ebola or hiv or hepatitisb or c. For nominal amount of 269 per year they get 200,000 of coverage if the worst case happens and they get infected with bowl ol or some other type of blood pathogen. Gerri you sell to individuals or sell to Police Departments or Health Care Systems . Who is the end market . Weve been providing this coverage for over a year now, primarily through unions to Large Health Care hospitals and other institutions. We Just Announced ability to provide an individual, the ability to buy an individual policy on our website. Gerri okay. Also we are also providing it through hospitals as well on group plans. Gerri all right. Lets get andrew back here. More people, less expensive it will be. Gerri the other big headline which i think is so interesting, a lot of companies are excluding ebola coverage and what they say, andrew, that the impact on premiums would be astronomical. It would be too expensive to offer it. Often not kind of coverage richard is talking about. Sometimes coverage for event organizers, businesses who have people who work for them traveling to the region. What do you make of this . Is this, is this something youve seen before . You know most Health Insurance carriers are probably still going to be covering ebola, unless the case, for example, a Health Care Worker went overseas and came back. That may falllanother type of insurance such as workers comp. What it will cost an individual at end of the day will depend on exact type of plan they have, where they ended up receiving care and how intensive that care was at the hospital. Gerri richard, do toy, are you surprised by this . With subpoenas saying well not underwrite this. Im not surprised at all. I think this will take the same course that hiv exclusions have in the past. To Andrews Point some numbers i heard 600,000 plus for nina phams cost of care. Gerri wow. What epic provide some sort of a financial safety net that can help defray some of these astronomical costs. No one is going to pay for the average Health Care Worker to be flown to cdc facility to get health care. Gerri how can you afford the coverage . If you say a lot of companies dont want to foot the bill, how can you do when others cant . This is lloyds of londdn. 3 lloyds of london has 500 year history of underwriting specialty risks. Lloyds is insurer of specialty risks throughout the entire world and has that history. So we understand the risks. We have understand how to price it correctly and we understand how the claims are going to be paid out. Gerri andrew, richard, thank you so much for being on the show tonight. Great job. Thank you, gerri. We have more to come this hour including your voice. Your voice is important to us. Thats why during the show we want you to facebook me or tweet me gerriwillisfbn or send me an email, just go to gerriwillis. Com. At the bottom of the hour i will read your tweets and emails. We debate next whether the quarantines are the way to go. A vaccine for ebola seems still too far off. Well have latest where companies are in the process of developing them after this. Ameriprise askedeople a simple question in retirent, will you havenougmoy to live lifen your . I sure hope so. Wi healthcare costs, who knows. Umm. Everyone has retirement questions. Ameriprise eate the exclusive confident retirementpproach. W you and your eripisadvir. Can get the real answers you need. Starbuilding yourconfiden. They take us to rlds fulldeo. For respawn, buildg the best Interactive Entertainment begins with the cloud. Th is titanfall the first multiplayer game blt and run on mrosoft azure. Empoweri gamers around the world nteract in ways theyever thought possible. Is cloud turns data into excitement. Thiss the microsoft cloud. An unpreceed program pstartg s. That partns businesses with universities across the state. Fobetter access to talent, ttg edge rh, with universities across the state. Anstate of the art facilities. D you pay no taxes for ten yes. From biotech iooklyn, next gen energy in bimton, toanufacturing in buffal. Startupny has new businesses popping up across thstate. Gerri the deadly ebola virus infected 10,000 people around the world and killed nearly 5,000. The race to find vaccine is on. Development face as slew of challenges. We have the president and ceo of geovacs which is currently developing two ebola vaccines. Welcome to the show. Great to have you here, robert. 3 i want to talk about the vaccine. Obviously that is what everybody wants to see, would be so great to eradicate ebola. First case back in the 1970s. More than 40 years ago. This has been around for a long time. Why dont we already have effective vaccine . First, gerri a pleasure to be here. Thank you. 40 years is a long time. I think there are some vaccines that are actually mothballed and put on a shelf. Some of those vaccines are now being dusted off. Some of them started their clinical trials. There is nothing to say that those particular vaccines are going to be the ones that will answer the problem. All they can state to us is the fact that were using current generation ebola in the vaccine that we intend to put out. Gerri that is a very good point this thing changes overover time. It is not always the exact same virus, thats for sure. Tell me what youre doing now, from what i understand, ebola is not that big after mystery how it operates. How hard is it to develop a vacs teen to stop isnt. Weve been working on hiv vaccine for the last 12 years. I think hhv is considerably more difficult than ebola vaccine. Sweat constructs. Well use the same basic methodology were using for hiv cac seen which has shown pretty good success. Well apply that technology to ebola. Gerri how close are you . Were about 15 to 18 months, depending upon the financing that were able to get for the company. We might be able to speed up that calendar. Gerri what is the problem . Seems to me this should be something people are throwing money at . I think it takes time for things like the funding to actually ramp up. To be hooest with you, just last couple of weeks weve seen a number of grand proposals come from both the department of defense, and the nih. So there is a step up on interest in funding for ebola. Gerri my understanding is that the end market is really governments. So youve got to get the government to believe your solution. How many other challenges are there out in the field who also want the government dollars . Well you know, the biggest challenge for somebody like ourselves that is a biotech is a of course fund something number one issue. After that, can you make the vaccine . Is it going to be effective . Will it be longlasting or one dose or multiple doses. Our vaccine from our experience in the hiv realm, we belief we can do this with one dose. We know our platformmworks nicely for hiv. Applying to ebola we know it should be successful. Gerri with ebola how do you test . Not like you can give people a little ebola to see how the vaccine works . No of course not. The animal models are welldefined. They will be done in rodents. Geovacs is building relationship with people at cdc for instance, to be able to use their facility to test whether or not our vaccine would be effective. Gerri robert, i feel badly taking up your time. Go ahead, find the solution. No, no. Gerri thank you so much for coming on the show tonight. Youre welcome. My pleasure. Coming up later in the show, gas prices continue to plummet as ddivers rejoice. Well have the latest numbers. And neet, will all the good news come to an end if the fed begins taking away the punchbowl this week. Well have previewwfrom one leading voice in the bond world. Stay with us. Your aspirations, our analytics. Your goals, our technology. Introducing synchry financial, bringing new meaning to t word rtnershi banking. Loyalty. Analytics. Synchrony financl. Enagage with us. Wi centurylink visionary cloud a brinfrastructure, and Custom Communications solutitions, your biness is more reliablesecureand agile. Metimes theyusdrop in. Alys obvious. Cmgroup can help you navigate risks and capture opportunities. We enable you to reach glal markets and drive foard with der possibilities. Cme group ou to reach hothe world advances. Gerri earnings alert. Twitter coming out with results an hour from now. Revenue higher than expectations at 361 million. That compares to 351 millionn the number of users also jumped 23 . Investors seeing something in the report they didnt like since the stock is down roughly 10 in afterhours trading. Meanwhile all eyes on the Federal Reserve as it kicks off twoday policy mmeting tomorrow. Investors and bond fund holders3 are looking for any clues if they raise rates and what it will mean for bottom lines. We have a Vice President and Portfolio Manager of loomis. Its bond fund is rated four stars by morningstar. Youre the perfect person to have on the show today. Of the dan, thankssfor coming on. A Top Performing bond fund manager. I want to talk about the fed to see what you think they will do. Will they extend or end what is called quantitative easing by the pros . What i call goosing the economy, what will happen . We, i wish i knew for sure. My before the guess is that qe3 is coming to a formal end. Now the aftermath of qe three goes on for a long, long time. I doubt if the fed will say anything at this meeting that would cause, best guesses to change at all. I think it is steady as she goes and rely on data in the future. They are more sensitive to the International Scene and to disrupted parts of word and to the level our market and Interest Rates has on other markets around the world. Gerri so we had some bad news out of europe obviously. The economy not doing so great there. China slowing down as well. Talk to me a little bit what you see impacts of not goosing the economy not quite to the extent they have been in. What happens to stocks, what happens to bonds, what happens to the economy . Again, imponderable. Our economy in the u. S. And north america, our economy is quite good right now. Were growing at rate several times past the population. Not so much you would ccll it a boom. Gerri no. More of a controlled expansion. And, europe is in the tank. Asia, china, im not so sure how much that is slowing down. So the impact on the markets, it is a gentle impact. The one thing you need to watch is in the bond market. It probably is going to be bit longer than i or many others thought until the fed really lets short rates come up. It may be a much longer time. Or, if the International Scene quiets down, it will be fairly soon. I think it is going to be a longer time. Gerri the wall street journal in an article today saying it will be maybe not even next year until rates rise. Do you think that is a possibility . It is certainly possible. A year ago i didnt think it would be this long. But it is international, if i can emphasize one thing. It is the detemporary race deterioration internationally that aught everybodys fed. And that causes them to go slower when it comes to letting rates in the us go up. Gerri danny, youve managed money in the bond arena for a long time. Our viewers have been huge fans of bonds. Whats your advice to them tonight . Well, id be cautious. The you dont desert the bond market by any means, but you do have desert the bond market. Specifically with regard to maturity. Bring in maturities of it, but not so far as you have a real ir haircut on income. So that brings you into the intermediate space. Number one. Number two, realize that when rates do start up, the credit dynamics certainly do change. As long as rates are thhs low, it is very helpful to the marginal credit but when rates start up it becomes a very different scene and you dont want to learn after the fact. Nt so you have to get a bit more cautious on the credit side. Gerri meaning, some those highyield bond funds, maybe not . I dont worry too much about the fund unless theyre extreme on the credits. If theyre pushing for, you you know, just maximum current yield, then i would i would worry. But the reality is, i dont think too many of the high yield funds do that. So its a matter of degree. Its more on the individual side that i would worry with people using just, you know, buying a couple different credits on their own and pushing for maximum yield. There, i would be really concerned. Gerri there you have it. Word from one of the topranked bond managers country. Dan, thanks for being on tonight. Appreciate it. Youre very welcome, thank you. Many up were looking coming up were looking for you and your money in this volatile trading time. Speaking of volatility, oil falling below the benchmark of 80 bucks a barrel. What that means for you after the break. Hocod a minous protein in j jellyfish impact life exexpectcy in the u. S. , realand the optics industry inermany . At trowe pce, we understand the coections of a complex, global enomy. Its just one reason ove of our mutual funds beat thr 10year lipp average. Quest a prospectus or mmary prospectus with investnt. Information, risks, fees and expenseso read a csider carefully before investing. reconist gunderman oup is growing. Getting in a groove. Grows gratifying. Go is grow. Gotta get greater growth they g expert advise, special discounts, new technologies. Kema picups. Theyll onlsh up wh you print a label and its autoti time . Money . Time and money. Awesome. Time andawesome awawesome awesome time andawesawesome all ese i love logtics. Rd it can. Now how. To brthe with copd . It caneel like ts. Copd includes nic bronchitis and emphysema. Spiriva is a onceeily inhaled. Copd maintenance treatment. Thahelps openy airways for a full 24 hours. You know, spiriva hes me breathe easier. Spiriva handihal tiropium bromide inhati pder does not replace rr suen symptoms. Tl your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlargedrostate. These may rsen with spiriva. Discuss all medicines you take, even eye dps. Stop takg spiriva and seek immediate medical help if yourhroat oring tongue swells,. Ns, you can get hives, visio, or problems passing urine. Other side effects include dry mouth and conspation. Nothing can reverse copd. Spiriva helps mebreathe. Sf blowing sound. Does breathing with copd. Weigh y dn . Dont wait ask your doctor about Spiriva Handihaler gerri fox business alert toyota continues the strain as the most reliable automaker. The companys toyota and lexus have topped the annual rankings. Audi was the highest scoring nonjapanese brand at number five while buick was the only domestic brand to make the op ten. And Mercedes Benz fell in the rankings as Consumer Reports say they put glitz and glamour in front of reliabilitt. Good news for you at the gas pump, the National Average price for regular leaded gasoline falling to a fouryear low of just over 3 a gallon. Joining me now is fox business contribute phil flynn, phil, always good to see you. Thank you. Im ready to celebrate. Come on. If we break 3 a gallon, you and i are going out and partying. Its been four years. Gerri were crying a river here at the network because its bad for the industry, but for consumers its a holiday. Theyre going to feel richer, theyll feel happier. People get rankier when gas prices go up. Gerri its not juss being cranky. It is. They do and they feel down. R when prices go they have more money in their pockets. Already weve seen in some of the data like the Consumer Confidence data, theyre feeling better about the economy. Its amazing what lower gasoline prices can do for you. Ill tell you gerri well, i was just going to ask you its not just this day thing, Goldman Sachs looking forward several years, well continue to have low gas prices. How do they figure that . Us Oil Production is continuing to boom. Advertised on the air many times were in a new era of gasoline prices. We have to thank the Oil Companies. We used to blame the Oil Companies when prices went up, theyre messing with us, but its really been their innovation thats created this oil boom in the United States that will lead to an era of low gasoline prices. Were putting the pressure not only on opec, but, you know, all those countries that dont like us in the middle east, were saying were going to be oil independent. Thats great for the u. S. Gerri and its great policy to have that independence. You just saw the expectation from goldman, prices are going to decline another 17 percent. Thats the oil forecast. I want you to respond to a number from the heritage foundation. They say these Oil Gas Prices are equivalent of a 200 billiondollar cost savings to American Consumers and businesses. This is important. How much does that mean to the average american, do you think . I think it adds one and a quarter percent to the gdp. It means more jobs. Its a big boom. You know, i hate to think where the economy would be if it werent for the boom in the us Oil Production. This is one of the best things the us economy has had going for it in the last couple of years years. The oil industry because of the oil prices and the jobs they created really carried the economy on their back. Approximate theyre one of the bright spots if you have to have to look at a industry thats not only giving an economy a boost, but i think longterm this is going to be a longterm situation that will be around giving the economy a strength for years to come. Gerri its an important thing. Now, if we can just convince airlines to cut their prices. Right. Well, you know, the poor airlines, they finally got it into their heads after not hedging for years that maybe we got to hedge these prices because they keep going up on us. A lot of them locked in hedges at which higher prices. The good news, once those hedges start to come off, those prices will go down. Jet fuel demand has been going through the roof. Weve been seeing Strong Demand for jet fuel. Theres better competition in the air, i think, theres more Business Travel going on. Thats a good sign for the economy. Gerri Goldman Sachs says 75 bucks a barrel. Were feeling richer as a result. Thanks for coming on the show tonight. And if you want to head to the states with the cheapest gas. Seventeen states have an average gas price below [no audio] and mississippi is at 280 a gallon. ighest remains the highest of the pumper with an average above four bucks a gallon. Of course, now we want to hear from you. The un secretary general says the stigma facing health care orkers who have been treated with ebola victims should end. This is another state. Maryland announces another mandatory quarantine. Do you agree with that . Heres what you are tweeting me. Seth writes why is this a question, of course, there should be. Take no chances. Steve said,of course. They did the same years ago when they did so to immigrantss ted said, why is it so bad for three weeks of your life. Its reasonable. Yes, its not a denial of rights its preservation of life and keeping the general population safe. Melanie, i agree with you. And whennwe come back, some pretty big stumbling blocks for apple pay. Well tell you how you an ride the rollercoaster that has been the stock market lately. Heres our consumer gauge. Well be right back. Gerri buying high and selling low, small investors repeatedly get burned by mistiming the stock market particularly investors who arent well off. A recent survey shows over 5 million households in the bottom 90 percent bailed out of the stock market just as it started to rebound. Only the ultra wealthy kept buying stocks during the decline which ended up making the rich richer and the poor poorer. One of our viewers came on the show and described the devastating losses he and his wife faced in the downturn. Listen to this. I lost 35 percent out of my 401 k , and my wife lost probably 25 percent out of her 403b account. And were worried about that over the next 12 years before we retire, it could be multiple corrections. Gerri i know a lot of you out there had the same problems. Could there be another correction . We dont know. Howl small investors probably the same. Joining me now to have a conversation about it we have ed, the founder of ira health. Com. Rainer and ralph president and owner hes also a financial advisor. Start with the financial journalist. Ive seen this over and over and over again where people get so frightened, so scared about a declining market that they just want out at any cost. But the cost is too high isnt it . Yeah, and its a really good time to think about your overall investment. In my book which is primarily for student loan brothers. I dedicate half the book to budgeting. When it comes to the stock market, you shouldnt be in it if you need the money in the immediate future. Gerri i think thats what happened to a lot of people out there. During the turn down during 2008, people lost 30, 40 percent of their savings. And they said, i just cant afford that. What should you do when the market starts to tank . The worst thing to panic. If those people stayed like you said earlier, they would have gotten it all back and then some, myself included. But if youre saving for retirement, you have to have a longer term time horizon, and you have to know your risk tolerance. Gerri you cant be retiring next year. I want folks to see these numbers. If you start the clock ticking at the worst part of the correction that would be march 2009 to today, the dow is up 156 percent. The s p is up 189 percent. What do we learn from those numbers, al . What weve learned, nobody has a crystal ball. Timing the market is probably one of the worst things you can do at any time. We try to educate our clients and make sure they have pure exit strategies. That they understand the closer they are to retirement, they understand what the goals of the portfolio are so they can stay consistent. Gerri what do you mean by a clear exit strategy . What is as that that . What i mean is to have an absolute number. Were big on teaching our clients to make sure theres a number that we want to get out, at 10 percent stop loss. At a 20 percent stop loss. Depending where we are in the horizon toward retirement. 3 gerri i think its so interesting that people think you can time this. Ive never been a fan of that. I cant tell what time to go for lunch much less when stocks will sell off. We have News Research that shows the wealthier families dont try to time it. They only try to buy when stocks fall and that really helps their portfolios. Rain a,to you, why is there such a disconnect for people from different socioeconomic backgrounds . I think a lot of it comes down to, if you have more money, youre less scared of changes. Yes, for snib no matter what income level you are, you should stay in theestock market with the money you actually have set aside to be in the stock market. But and then you can make different changes. Gerri okay. So, ed, stay the course obviously, a lot of people have exited the stock market for good. They left they never came back. What would be your message to them . Maybe now would be a good time to come back and buy back bargains. Keep buying in and keep buying in. The market goes up and down. And up and down. But upward generally. Gerri over long periods of time. If youre retiring tomorrow or next year or next month, if you have a long time horizon, it makes a lot of sense. Before you guys go, i want to get a response to the fed meeting this week. Lots of concerns that all of that money flowing from the Federal Reserve bank is going to end. Al, what are you telling your clients about that . Were telling our clients tt not expect any real big surprises. Theyre not in the mood to start things too much. I think quantitative easing will come to a end. Interest rates will probably stay the same for the foreseeable future. Gerri ed. Im telling them to ignore that. If anything, most retirees want Interest Rates to go up. Stick to thinking about your basic budget and things that are important to you, and if you negotiate your car insurance, you negotiate your home insurance, you look at your Student Loans gerri lots of work ahead of us. Great job, all. And a programming note to you tonight on making money, Charles Payne is3 giving an investing 101 lesson on iivestment terms. Its advice you wont want to miss. My 2 cents moreand next apple pay is only a week old, and retailers are dropping out already. Youll want to hear why. Its an interesting explanation. Well have the latest coming up. Im only in my 60s. Ive got a nice long life ahead. Big plans. So when i found out medicare doesnt pay all my medical expenses, i looked at my options. Then i got a Medicare Supplement insurance plan. [ male announcer ] if youre eligible for medicare, you may know it only covers about 80 of your part b medical expenses. The rest is up to you. 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[ male announcer ] join the millions of people who have already enrolled in the only Medicare Supplement insurance plans endorsed by aarp, an Organization Serving the needs of people 50 and over for generations. Remember, all Medicare Supplement insurance plans help cover what medicare doesnt pay. And could save you in outofpocket medical costs. Call now to request your free decision guide. And learn more about the kinds of plans that will be here for you now and down the road. I have a lifetime of experience. So i know how important that is. Gerri big retailers like right aid and cvs have declared war on apple pay. Theyve just shut down access to apples new wallet and they want you to use their system instead. But is the consumer the ultimate loser. The ceo of werable. Com. Luis, welcome back to the show. . this is a complete list. Cvs, target, lowes, best buy, theyre all part of a Merchant Exchange conabsorb up until. Why dont they want to use this apple system . . first of all, great to be back. Two things transaction fees and ata. Lets start with the first one. The whole reason they created this was to get away from credit card fees. They deal with any sort of percentage point they can get back is huge for them. Gerri lets slow it down. Explain what that charge is, who gets it who pays it. So any time you make a payment, lets say you buy 100dollar item at cvs or your total item was 100, they end up paying two to 3 percent to visa, mastercard, american express. They pay it out of their share of the profits. It hits them immediately. This is more about them trying to control their costs. Theres an additional reason theyre doing this, whaa is it . Thats the data. Consumers are finally getting open to sharing their data with companies. One in three consumers actually is willing to share what they purchased online. They want the retailers to reach out to them when they have some sort of rewards and deals. The most valuable data is the data at the apple gets to keep that data with the currency which is the app the retailers are able to keep. They get to keep the data across these transactions. Its huge for them to have access to this. Gerri theres two very big economic reasons why these retailers want to hang onto this. Im a consumer like everyone else watching the show, so which is safer in terms of where my data and information is going how i might lose control of my information to the bad guys. Lets remember and lets remind all consumers they have the power here. The consumers will decide. Apple wins pretty much a landslide on which one is safer. One, the technology that apple based the apple pay system is nsi technology which is perhaps the most secure payment Transaction Technology out there. Currency, the retailers app is actually qr based the second which is telling of the way they set up their apps, they want to get away from these credit cards. With apple pay youre putting in your credit card information. We all know or should all know hopefully as consumers that credit card protective measures are superior to bank account protective measures. This way, youre dealing one to one apple. Youre dealing with your credit card that is dealing with apple. Your Bank Information is actually stored somewhere in the cloud. Gerri apple safer. These other retailers their system not so much. Lewis, thanks for coming on tonight. W well be right back. Gerri and finally some food that 5yearold boy who entered the country this weekend and was staying at bellevue where he was in isolation has tested negative for ebola. Again, the young boy, he will stay at the hospital and be tested for other diseases. Thats it for tonights willis report. Making money with Charles Payne is up next. With details on this story. Have a good night. Charles im Charles Payne and youre watching making money now a 5yearold boy who had been in africa quarantined awaiting results for an ebola test. A confusing back and forth whether the pentagon is organized quarantine. Peter by reasons is live in d. C. With the latest. Well, charles, the new York City Department of health has Just Announced that this 5yearold boy who was admitted to bellevue hospitaa last night for possible ebola has tested negative for the disease. This is a 5yearold boy who arrived from guinea recently and he was admitted to bellevue last night, put under observation. He had b